Consumer Banking and Payments Law
2009 4th ed. and 2012 Supplement
782 pp. with 432-pp. Supplement
and Companion Website
Table of Contents
About the Companion Website
About the Authors
Revolutionary Changes in Electronic Transfers
- Payroll cards
- Consumer protections hidden in NACHA rules
- Electronic check conversions
- Consumer liability for unauthorized use and error resolution.
How Bank Accounts Work in the 21st Century
- Check 21 and the demise of returned paper checks
- Bank fees, bounced checks, and wrongful dishonor
- Accord and satisfaction
- Merchants writing checks on the consumer’s account
- Forged signatures and check alterations.
Money Orders, International Wires, Prepaid and Stored Value Cards
- New consumer protections enacted by Dodd-Frank
- Consumer rights where instrument is lost or stolen
- Who loses when the issuer becomes insolvent.
Dramatic Changes in How Government Payments Are Made
- Treasury's new Direct Express Cards for benefits payments
- Stored value card use for Food Stamps and state benefits.
All the Primary Sources You Need on the Web
- UCC Provisions and Official Comments
- Federal statutes, regulations, and interpretations on electronic funds transfer, fair credit billing, Check 21, check collections, funds availability, and stored value cards
- Electronic Benefit Transfers (EBT), Direct Express Cards, and EFT 99
- 50 state summary of protections of exempt funds in bank accounts
- Electronic records and signatures.
for the NCLC Manuals