E-SIGN Act: Federal law ensuring the legal validity of electronic signatures and records in commerce
Electronic Funds Transfer Act (EFTA): Federal law governing electronic money transfers, establishing rights and responsibilities for consumers and financial institutions
Uniform Electronic Transactions Act (UETA): State-level law providing uniform rules for electronic transactions and signatures
PCI DSS: Payment Card Industry Data Security Standard - security requirements for organizations handling credit card data
Gramm-Leach-Bliley Act: Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data
Federal Trade Commission Act: Prohibits unfair or deceptive practices in commerce, including online payment services
CFPB Regulations: Consumer Financial Protection Bureau rules protecting consumers in financial transactions
Fair Credit Billing Act: Federal law governing billing error resolution and consumer credit rights
Truth in Lending Act: Federal law requiring clear disclosure of lending terms and costs
CCPA: California Consumer Privacy Act - comprehensive privacy law affecting businesses serving California residents
State Data Breach Laws: State-specific requirements for notification and handling of data breaches involving personal information
Bank Secrecy Act: Federal law requiring financial institutions to assist government agencies in detecting and preventing money laundering
USA PATRIOT Act: Federal law including provisions for customer identification and verification in financial transactions
NACHA Rules: Operating rules for the ACH Network governing electronic payment and money transfer through the banking system
Card Network Rules: Operating regulations set by major credit card networks (Visa, Mastercard, etc.) for payment processing
