Regulation E implements the Electronic Fund Transfer Act. It regulates electronic fund transfers, prepaid accounts, remittance transfers, gift cards and gift certificates.
Rules listed here are final rules issued by the CFPB. To identify all the rules related to a single consumer financial product, use the filter tool below.
Types of final rules
Final RuleOther than interim final rules, this includes all CFPB final rules, including procedural and interpretive rules. Generally, final rules go through notice and comment before issuance.
Interim Final Rule
Under some circumstances, the CFPB may issue final rules without a comment period before issuance. The CFPB may request comment on these rules and may later alter the rules, if necessary.
Amendments are adopted that will allow insured institutions to estimate certain costs associated with sending a remittance transfer under certain conditions and raise the normal course of business safe harbor.
Treatment of Pandemic Relief Payments Under Regulation E and Application of the Compulsory Use Prohibition
The Bureau is issuing this interpretive rule to provide guidance to government agencies distributing aid to consumers in response to the COVID-19 pandemic.
The Bureau is issuing technical specifications for submissions of prepaid account agreements, as required by the Bureau’s 2016 final rule regarding prepaid accounts (as subsequently amended).
Rules Concerning Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z)
The Bureau is finalizing amendments to its rule governing prepaid accounts under Regulations E and Z that make modifications to several aspects of that rule and extend the overall effective date of the rule to April 1, 2019.
Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z); Delay of Effective Date
The Bureau issued a final rule to delay the Oct. 1, 2017 effective date of the rule governing Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z) by six months, to April 1, 2018.
Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)
The Bureau is finalizing comprehensive consumer protections for prepaid accounts under Regulations E and Z, including tailored provisions governing disclosures, limited liability and error resolution, periodic statements, and the posting of account agreements. The final rule also regulates overdraft credit features that may be offered in conjunction with prepaid accounts.
The Bureau of Consumer Financial Protection (Bureau or CFPB) amends the regulation defining larger participants of certain consumer financial product and service markets by adding a new section to define larger participants of a market for international money transfers.
This final rule amends Regulation E to conform to the EFTA amendment.