SUMMARY
This chapter is excerpted from the 2013 edition of Consumer Law in Oregon, which will enable you to protect your clients' financial interests and advise them about available rights and remedies. PDF Download - After purchase go to My Content to retrieve your digital file(s).
DESCRIPTION
Chapter 20
ELECTRONIC FUND TRANSFER ACT
Christian M. Oelke
William H. Glasson
§20.1 INTRODUCTION
§20.2 ESSENTIAL ELEMENTS
§20.2-1 Definitions
§20.2-2 Transfers Subject to EFTA
§20.2-3 Transfers Not Subject to EFTA
§20.2-4 Relation of EFTA to Other Laws
§20.2-5 Waiver of Rights Prohibited
§20.3 COMPLIANCE WITH EFTA
§20.3-1 Issuance of Access Devices
§20.3-2 Disclosure Requirements
§20.3-3 Collection of Return Fees
§20.3-4 Record Retention Requirements
§20.3-5 Gift Cards
§20.3-6 Payroll Card Accounts
§20.3-7 Overdraft Services
§20.3-8 Preauthorized Transfers
§20.4 ERROR RESOLUTION AND CONSUMER LIABILITY
§20.4-1 Error-Resolution Requirement
§20.4-2 Consumer Liability for EFTs
§20.5 REMEDIES AND DAMAGES
§20.5-1 Actual and Statutory Damages
§20.5-2 Treble Damages
§20.5-3 Attorney Fees
§20.5-4 Criminal Liability
§20.6 DEFENSES
§20.6-1 Reliance on Federal Reserve Board Rule or Regulation
§20.6-2 Damaged Notices and Temporary Exemption
§20.6-3 Act of God
§20.6-4 Bona Fide Error
§20.6-5 Timely Remedy of Error
§20.6-6 Statute of Limitations
§20.7 PLEADING AND PRACTICE
§20.7-1 Jurisdiction
§20.7-2 Burden of Proof