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The Payment Systems Guidance You Need
The proliferation of alternative payment systems in recent years has created confusion for consumers, merchants, and financial institutions. With the emergence of new payment systems, such as Internet banking, smart cards, and mobile banking, bankers have been required to stay abreast of all the laws and regulations. Now, for the first time, you can find expert guidance to all the payment laws and regulations in one place. Compliance Guide to Payment Systems: Law and Regulation is written specifically for bankers, to give you the practical guidance you need. Compliance officers, security officers, and operations personnel in financial and depository institutions need to understand the rules about all types of payment systems, including:Money/currency
Bank checks
Allocation of loss for check fraud
Mobile banking
ACH networks
NACHA Rules
Credit CARD Act
Credit card disclosure requirements
Smart cards and stored value products
CFPB changes to Regulation Z regarding the ability-to-pay requirement for the issuance of a credit card and the restrictions on fee harvester cards
FRB gift card rules
High-to-low debit posting
CFPB investigation of overdraft programs
Unfair, deceptive, or abusive acts and practices (UDAAP)
Credit union share drafts
Remittance instruments
Payable-through drafts
Documentary drafts
Letters of credit
Automated teller machines (ATMs) and automated intake of ATM deposits
Wire transfers, including security procedures for in-person wire transfers and defenses to unauthorized wire claims
Responsibilities of ODFIs and RDFIs regarding high-risk originators and questionable debit activity
CFPB regulations regarding international transfers
Internet transactions and toxic websites
Unlawful Internet Gambling Enforcement Act
Corporate account takeover
Online authentication, including single-factor authentication resulting in bank liability
Home banking
Consensual security interests in deposit accounts
Organized the Way You Need It!
Compliance Guide to Payment Systems is organized by payment system--not regulation--making this the most user-friendly manual available. For each payment system, you'll find coverage of all the rules and regulations that apply, plus compliance strategies, practical tips, and drafting suggestions.
The proliferation of alternative payment systems in recent years has created confusion for consumers, merchants, and financial institutions. With the emergence of new payment systems, such as Internet banking, smart cards, and mobile banking, bankers have been required to stay abreast of all the laws and regulations. Now, for the first time, you can find expert guidance to all the payment laws and regulations in one place. Compliance Guide to Payment Systems: Law and Regulation is written specifically for bankers, to give you the practical guidance you need. Compliance officers, security officers, and operations personnel in financial and depository institutions need to understand the rules about all types of payment systems, including:
Organized the Way You Need It!
Compliance Guide to Payment Systems is organized by payment system--not regulation--making this the most user-friendly manual available. For each payment system, you'll find coverage of all the rules and regulations that apply, plus compliance strategies, practical tips, and drafting suggestions.
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