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12 CFR Part 1005 – Electronic Fund Transfers (Regulation E)

Regulation E protects consumers when they use electronic fund and remittance transfers.

Electronic fund and remittance transfers include:

  • ATMs
  • Direct Deposit
  • Gift cards
  • Overdraft
  • Point of sale transfers
  • Remittances (international money transfers)
  • Telephone transfers

The regulation covers topics such as:

  • Disclosure of fees and limits
  • Cancellation and error correction resolution procedures
  • Liability
  • Preauthorized transfers
  • Receipts

Additional resources

Consumer FAQs

Money transfers

Prepaid cards

Other resources

Prepaid Card Compliance Resources

Prepaid Card Account Agreement Filing Resources

Electronic Fund Transfer Compliance Resources

Remittance Transfer Compliance Resources

REGULATION INQUIRIES

Please review the implementation and guidance materials available on our website, including regulations and official interpretation, before submitting a question about the Bureau’s rules or regulations.

USER NOTICE

The Bureau launched this resource to provide an easier-to-navigate electronic format for many of its Regulations. This resource is not an official legal edition of the Code of Federal Regulations or the Federal Register, and it does not replace the official versions of those publications. The Bureau has made every effort to ensure the material presented in this resource is accurate; if you are relying on it for legal research, please consult the official editions of those sources to confirm your findings.

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