Electronic Fund Transfers
Resources to help industry understand, implement, and comply with the electronic fund transfer provisions of Regulation E.
Featured topic
On January 15, 2025, the CFPB issued a new Electronic Fund Transfer (EFTA) FAQ about the compulsory use prohibition. You can read the EFTA FAQs here.
Rules
Browse the electronic fund transfer final rules to see specific amendments to Regulation E.
Regulations and official interpretations
Browse Regulation E (12 CFR 1005) on: Interactive Bureau Regulations | eCFR
Main electronic fund transfers provisions and official interpretations can be found in:
- §§ 1005.2, and 1005.3, Scope and Key Definitions
- §§ 1005.4, 1005.7, 1005.8, 1005.16, and 1005.17, Disclosures
- § 1005.5, Issuance of access devices
- §§ 1005.6, and 1005.11, Consumer liability and error resolution
- § 1005.9, Receipts and periodic statements
- § 1005.10, Preauthorized transfers
- § 1005.17, Electronic transaction overdraft service opt in
- § 1005.20, Gift cards
- Supplement I to Part 1005 (including official interpretations for the above provisions)
Guides
Supervision and examination materials
Guides to how the Bureau and prudential regulators will supervise and examine entities for compliance with Federal consumer financial law.
Interagency examination procedures for EFTA
FAQs
The Bureau provides a list of commonly asked questions and answers on particular topics to assist in understanding and complying with the electronic fund transfers provisions of Regulation E.
Additional materials
Prepaid Cards
Resources to help industry participants understand, implement, and comply with the Prepaid Rule. Prepaid resources
Information regarding the agreement submission requirements of the prepaid rule. Submission resources
Remittance Transfers
Resources to help industry participants understand, implement, and comply with the remittance transfer rule (subpart B of Regulation E). Remittance transfer resources