Electronic Fund Transfers: Regulatory Compliance

Author: James H. Pannabecker
Format: 3-Ring Binder with CD
Frequency of Update: 2 updates annually
Price: $499
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As existing EFT products grow and new technologies and opportunities emerge, bankers need a way to keep up with both business and compliance changes to offer EFT products safely and remain competitive.

Sheshunoff Electronic Fund Transfers provides easy-to-read analysis and guidance on the federal laws, such as the Electronic Fund Transfer Act, Regulation E, the UCC, and privacy laws, plus a discussion of relevant state compliance issues. The manual is organized by type of EFT product and by regulatory issues, so you can quickly turn to the information you need. Plus, an up-front overview of the fundamentals of EFT services explains their development and the larger compliance issues involved. There is also an explanation of regulatory payment mechanisms, such as Federal Reserve Operating Circulars and Rules of the National Automated Clearing House Association, to help you understand and properly use the various electronic payment systems. Plus, there are special sections covering regulatory points concerning EFTs that you might otherwise overlook.

Comprehensive coverage of federal statutes and regulations.
Checklists for specific EFT products.
State-specific compliance issues.
Checklists from the examination procedures used by the regulators.
Model disclosure forms and error resolution notices.
Coverage of security and privacy issues.

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About the Author

James H. Pannabecker writes from Natural Bridge Station, Virginia, focusing on banking law and regulatory compliance. He was formerly a senior vice president and general counsel of Citicorp Mortgage, Inc., where he managed the provision of legal services for the nationwide origination of mortgage loans through Citicorp’s affiliated first mortgage lenders. Before joining Citicorp, Mr. Pannabecker served as in-house counsel to Maryland National Bank; First Virginia Banks, Inc.; and First American Mortgage. Mr. Pannabecker is the author or co-author of numerous publications in the areas of mortgage lending, truth-in-lending, financial privacy, and banking law. These include Mortgage Compliance Update: Solutions for Mortgage Professionals (A.S. Pratt & Sons); The RESPA Manual: A Complete Guide to the Real Estate Settlement Procedures Act (A.S. Pratt & Sons); Mortgage Lending Compliance with Federal and State Guidance (A.S. Pratt & Sons); Model Compliance Manual: A Template for Mortgage Professionals (Sheshunoff Information Services); Mortgage Lending Operations and Administration (Sheshunoff Information Services); and The Truth-in-Lending Manual by Ralph C. Clontz, Jr. (Warren, Gorham & Lamont), He graduated from the University of North Carolina School of Law in 1978 and has been admitted to practice law in the District of Columbia, Georgia, Maryland, Missouri, North Carolina, and Virginia.