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Consumer banking and payments law : bank and prepaid accounts, electronic payments, remittances, wage and benefit payments, electronic records and signatures

Author: Lauren K SaundersMargot Freeman SaundersCathy Lesser MansfieldRebecca BornéMark E BudnitzAll authors
Publisher: Boston, MA : National Consumer Law Center, [2018]
Series: Consumer credit and sales legal practice series.
Edition/Format:   Print book : English : Sixth editionView all editions and formats
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Document Type: Book
All Authors / Contributors: Lauren K Saunders; Margot Freeman Saunders; Cathy Lesser Mansfield; Rebecca Borné; Mark E Budnitz; Carolyn L Carter; Jonathan A Sheldon; National Consumer Law Center,
ISBN: 9781602481732 1602481733
OCLC Number: 1046079580
Description: xxxv, 923 pages : illustrations, forms ; 28 cm.
Contents: First considerations --
Deposit accounts : account opening, closing, statements, fees, and interest --
The consumer's payment by personal check --
Check payments to consumers --
Electronic fund transfers --
Payments outside of bank accounts : money orders, cashier's checks, domestic and international remittances --
Prepaid accounts, gift and payroll cards, mobile payments and other stored value systems --
Electronic benefit transfer (EBT) --
Federal benefit payments --
Banker's setoff and security interests in bank accounts --
Electronic transactions : contracts, disclosures, and signatures --
Uniform Commercial Code provisions on consumer checking --Truth in savings --
Federal check regulation : Check 21, funds availability, and check collections --
Payments to telemarketers --
Electronic fund transfers --
NACHA rules, guidelines, and bulletins --
Stored value and prepaid cards --
Federal benefits payments --
Electronic signatures and records.
Series Title: Consumer credit and sales legal practice series.
Responsibility: Lauren K. Saunders, Margot Saunders, Cathy Lesser Mansfield ; contributing authors Rebecca Borné, Mark Budnitz, Carolyn Carter, Jon Sheldon.
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Primary Entity<\/h3>\n
<http:\/\/www.worldcat.org\/oclc\/1046079580<\/a>> # Consumer banking and payments law : bank and prepaid accounts, electronic payments, remittances, wage and benefit payments, electronic records and signatures<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Book<\/a>, schema:CreativeWork<\/a> ;\u00A0\u00A0\u00A0\nlibrary:oclcnum<\/a> \"1046079580<\/span>\" ;\u00A0\u00A0\u00A0\nlibrary:placeOfPublication<\/a> <http:\/\/id.loc.gov\/vocabulary\/countries\/mau<\/a>> ;\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/consumer_protection_law_and_legislation<\/a>> ; # Consumer protection--Law and legislation<\/span>\n\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Place\/united_states<\/a>> ; # United States.<\/span>\n\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/payment<\/a>> ; # Payment<\/span>\n\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/banking_law<\/a>> ; # Banking law<\/span>\n\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/consumer_credit_law_and_legislation_united_states<\/a>> ; # Consumer credit--Law and legislation--United States<\/span>\n\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/consumer_credit_law_and_legislation<\/a>> ; # Consumer credit--Law and legislation<\/span>\n\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/banking_law_united_states<\/a>> ; # Banking law--United States<\/span>\n\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/id.loc.gov\/authorities\/classification\/KF974<\/a>> ;\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/payment_united_states<\/a>> ; # Payment--United States<\/span>\n\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/consumer_protection_law_and_legislation_united_states<\/a>> ; # Consumer protection--Law and legislation--United States<\/span>\n\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/dewey.info\/class\/346.73082\/e23\/<\/a>> ;\u00A0\u00A0\u00A0\nschema:author<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/saunders_lauren_k<\/a>> ; # Lauren K. Saunders<\/span>\n\u00A0\u00A0\u00A0\nschema:author<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/sheldon_jonathan_a<\/a>> ; # Jonathan A. Sheldon<\/span>\n\u00A0\u00A0\u00A0\nschema:author<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/borne_rebecca<\/a>> ; # Rebecca Born\u00E9<\/span>\n\u00A0\u00A0\u00A0\nschema:author<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/mansfield_cathy_lesser_1960<\/a>> ; # Cathy Lesser Mansfield<\/span>\n\u00A0\u00A0\u00A0\nschema:author<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/budnitz_mark_e<\/a>> ; # Mark E. Budnitz<\/span>\n\u00A0\u00A0\u00A0\nschema:author<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/carter_carolyn_l<\/a>> ; # Carolyn L. Carter<\/span>\n\u00A0\u00A0\u00A0\nschema:author<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/saunders_margot_freeman_1953<\/a>> ; # Margot Freeman Saunders<\/span>\n\u00A0\u00A0\u00A0\nschema:bookEdition<\/a> \"Sixth edition.<\/span>\" ;\u00A0\u00A0\u00A0\nschema:bookFormat<\/a> bgn:PrintBook<\/a> ;\u00A0\u00A0\u00A0\nschema:contributor<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Organization\/national_consumer_law_center<\/a>> ; # National Consumer Law Center,<\/span>\n\u00A0\u00A0\u00A0\nschema:datePublished<\/a> \"2018<\/span>\" ;\u00A0\u00A0\u00A0\nschema:description<\/a> \"First considerations -- Deposit accounts : account opening, closing, statements, fees, and interest -- The consumer\'s payment by personal check -- Check payments to consumers -- Electronic fund transfers -- Payments outside of bank accounts : money orders, cashier\'s checks, domestic and international remittances -- Prepaid accounts, gift and payroll cards, mobile payments and other stored value systems -- Electronic benefit transfer (EBT) -- Federal benefit payments -- Banker\'s setoff and security interests in bank accounts -- Electronic transactions : contracts, disclosures, and signatures -- Uniform Commercial Code provisions on consumer checking --Truth in savings -- Federal check regulation : Check 21, funds availability, and check collections -- Payments to telemarketers -- Electronic fund transfers -- NACHA rules, guidelines, and bulletins -- Stored value and prepaid cards -- Federal benefits payments -- Electronic signatures and records.<\/span>\"@en<\/a> ;\u00A0\u00A0\u00A0\nschema:exampleOfWork<\/a> <http:\/\/worldcat.org\/entity\/work\/id\/3862353897<\/a>> ;\u00A0\u00A0\u00A0\nschema:inLanguage<\/a> \"en<\/span>\" ;\u00A0\u00A0\u00A0\nschema:isPartOf<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Series\/the_consumer_credit_and_sales_legal_practice_series<\/a>> ; # The consumer credit and sales legal practice series.<\/span>\n\u00A0\u00A0\u00A0\nschema:isPartOf<\/a> <http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Series\/consumer_credit_and_sales_legal_practice_series<\/a>> ; # Consumer credit and sales legal practice series.<\/span>\n\u00A0\u00A0\u00A0\nschema:name<\/a> \"Consumer banking and payments law : bank and prepaid accounts, electronic payments, remittances, wage and benefit payments, electronic records and signatures<\/span>\"@en<\/a> ;\u00A0\u00A0\u00A0\nschema:productID<\/a> \"1046079580<\/span>\" ;\u00A0\u00A0\u00A0\nschema:workExample<\/a> <http:\/\/worldcat.org\/isbn\/9781602481732<\/a>> ;\u00A0\u00A0\u00A0\nwdrs:describedby<\/a> <http:\/\/www.worldcat.org\/title\/-\/oclc\/1046079580<\/a>> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n\n

Related Entities<\/h3>\n
<http:\/\/dewey.info\/class\/346.73082\/e23\/<\/a>>\u00A0\u00A0\u00A0\u00A0a \nschema:Intangible<\/a> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Organization\/national_consumer_law_center<\/a>> # National Consumer Law Center,<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Organization<\/a> ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"National Consumer Law Center,<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/borne_rebecca<\/a>> # Rebecca Born\u00E9<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Person<\/a> ;\u00A0\u00A0\u00A0\nschema:familyName<\/a> \"Born\u00E9<\/span>\" ;\u00A0\u00A0\u00A0\nschema:givenName<\/a> \"Rebecca<\/span>\" ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Rebecca Born\u00E9<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/budnitz_mark_e<\/a>> # Mark E. Budnitz<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Person<\/a> ;\u00A0\u00A0\u00A0\nschema:familyName<\/a> \"Budnitz<\/span>\" ;\u00A0\u00A0\u00A0\nschema:givenName<\/a> \"Mark E.<\/span>\" ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Mark E. Budnitz<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/carter_carolyn_l<\/a>> # Carolyn L. Carter<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Person<\/a> ;\u00A0\u00A0\u00A0\nschema:familyName<\/a> \"Carter<\/span>\" ;\u00A0\u00A0\u00A0\nschema:givenName<\/a> \"Carolyn L.<\/span>\" ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Carolyn L. Carter<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/mansfield_cathy_lesser_1960<\/a>> # Cathy Lesser Mansfield<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Person<\/a> ;\u00A0\u00A0\u00A0\nschema:birthDate<\/a> \"1960<\/span>\" ;\u00A0\u00A0\u00A0\nschema:familyName<\/a> \"Mansfield<\/span>\" ;\u00A0\u00A0\u00A0\nschema:givenName<\/a> \"Cathy Lesser<\/span>\" ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Cathy Lesser Mansfield<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/saunders_lauren_k<\/a>> # Lauren K. Saunders<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Person<\/a> ;\u00A0\u00A0\u00A0\nschema:familyName<\/a> \"Saunders<\/span>\" ;\u00A0\u00A0\u00A0\nschema:givenName<\/a> \"Lauren K.<\/span>\" ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Lauren K. Saunders<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/saunders_margot_freeman_1953<\/a>> # Margot Freeman Saunders<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Person<\/a> ;\u00A0\u00A0\u00A0\nschema:birthDate<\/a> \"1953<\/span>\" ;\u00A0\u00A0\u00A0\nschema:familyName<\/a> \"Saunders<\/span>\" ;\u00A0\u00A0\u00A0\nschema:givenName<\/a> \"Margot Freeman<\/span>\" ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Margot Freeman Saunders<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Person\/sheldon_jonathan_a<\/a>> # Jonathan A. Sheldon<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Person<\/a> ;\u00A0\u00A0\u00A0\nschema:familyName<\/a> \"Sheldon<\/span>\" ;\u00A0\u00A0\u00A0\nschema:givenName<\/a> \"Jonathan A.<\/span>\" ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Jonathan A. Sheldon<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Place\/united_states<\/a>> # United States.<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Place<\/a> ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"United States.<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Series\/consumer_credit_and_sales_legal_practice_series<\/a>> # Consumer credit and sales legal practice series.<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nbgn:PublicationSeries<\/a> ;\u00A0\u00A0\u00A0\nschema:hasPart<\/a> <http:\/\/www.worldcat.org\/oclc\/1046079580<\/a>> ; # Consumer banking and payments law : bank and prepaid accounts, electronic payments, remittances, wage and benefit payments, electronic records and signatures<\/span>\n\u00A0\u00A0\u00A0\nschema:name<\/a> \"Consumer credit and sales legal practice series.<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Series\/the_consumer_credit_and_sales_legal_practice_series<\/a>> # The consumer credit and sales legal practice series.<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nbgn:PublicationSeries<\/a> ;\u00A0\u00A0\u00A0\nschema:hasPart<\/a> <http:\/\/www.worldcat.org\/oclc\/1046079580<\/a>> ; # Consumer banking and payments law : bank and prepaid accounts, electronic payments, remittances, wage and benefit payments, electronic records and signatures<\/span>\n\u00A0\u00A0\u00A0\nschema:name<\/a> \"The consumer credit and sales legal practice series.<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/banking_law<\/a>> # Banking law<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Intangible<\/a> ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Banking law<\/span>\"@en<\/a> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/banking_law_united_states<\/a>> # Banking law--United States<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Intangible<\/a> ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Banking law--United States<\/span>\"@en<\/a> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/consumer_credit_law_and_legislation<\/a>> # Consumer credit--Law and legislation<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Intangible<\/a> ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Consumer credit--Law and legislation<\/span>\"@en<\/a> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/consumer_credit_law_and_legislation_united_states<\/a>> # Consumer credit--Law and legislation--United States<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Intangible<\/a> ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Consumer credit--Law and legislation--United States<\/span>\"@en<\/a> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/consumer_protection_law_and_legislation<\/a>> # Consumer protection--Law and legislation<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Intangible<\/a> ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Consumer protection--Law and legislation<\/span>\"@en<\/a> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/consumer_protection_law_and_legislation_united_states<\/a>> # Consumer protection--Law and legislation--United States<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Intangible<\/a> ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Consumer protection--Law and legislation--United States<\/span>\"@en<\/a> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/payment<\/a>> # Payment<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Intangible<\/a> ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Payment<\/span>\"@en<\/a> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/experiment.worldcat.org\/entity\/work\/data\/3862353897#Topic\/payment_united_states<\/a>> # Payment--United States<\/span>\n\u00A0\u00A0\u00A0\u00A0a \nschema:Intangible<\/a> ;\u00A0\u00A0\u00A0\nschema:name<\/a> \"Payment--United States<\/span>\"@en<\/a> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/id.loc.gov\/authorities\/classification\/KF974<\/a>>\u00A0\u00A0\u00A0\u00A0a \nschema:Intangible<\/a> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/id.loc.gov\/vocabulary\/countries\/mau<\/a>>\u00A0\u00A0\u00A0\u00A0a \nschema:Place<\/a> ;\u00A0\u00A0\u00A0\ndcterms:identifier<\/a> \"mau<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/worldcat.org\/isbn\/9781602481732<\/a>>\u00A0\u00A0\u00A0\u00A0a \nschema:ProductModel<\/a> ;\u00A0\u00A0\u00A0\nschema:isbn<\/a> \"1602481733<\/span>\" ;\u00A0\u00A0\u00A0\nschema:isbn<\/a> \"9781602481732<\/span>\" ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n
<http:\/\/www.worldcat.org\/title\/-\/oclc\/1046079580<\/a>>\u00A0\u00A0\u00A0\u00A0a \ngenont:InformationResource<\/a>, genont:ContentTypeGenericResource<\/a> ;\u00A0\u00A0\u00A0\nschema:about<\/a> <http:\/\/www.worldcat.org\/oclc\/1046079580<\/a>> ; # Consumer banking and payments law : bank and prepaid accounts, electronic payments, remittances, wage and benefit payments, electronic records and signatures<\/span>\n\u00A0\u00A0\u00A0\nschema:dateModified<\/a> \"2020-03-10<\/span>\" ;\u00A0\u00A0\u00A0\nvoid:inDataset<\/a> <http:\/\/purl.oclc.org\/dataset\/WorldCat<\/a>> ;\u00A0\u00A0\u00A0\u00A0.\n\n\n<\/div>\n\n

Content-negotiable representations<\/p>\n