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-xxxviii- 40 USC §3703. Report of violations and withholding of amounts for unpaid wages and liquidated damages..........................................512 40 USC §3704. Health and safety standards in building trades and construction industry..........................................................................513 40 USC §3705. Safety programs.. .........................................................................................................................................................................514 40 USC §3706. Limitations, variations, tolerances, and exemptions..............................................................................................................514 40 USC §3707. Contractor certification or contract clause in acquisition of commercial items not required.. ........................................514 40 USC §3708. Criminal penalties........................................................................................................................................................................514 ELECTRONIC FUNDS TRANSFER ELECTRONIC FUND TRANSFER ACT (LAW) U.S. Code, Title 15 —­ Commerce and Trade Chapter 41 —­ Consumer Credit Protection Subchapter VI —­ Electronic Fund Transfers 15 USC §1693. Congressional findings and declaration of purpose.. ..............................................................................................................516 15 USC §1693a. Definitions...................................................................................................................................................................................516 15 USC §1693b. Regulations.................................................................................................................................................................................516 15 USC §1693e. Preauthorized Transfers............................................................................................................................................................516 15 USC §1693k. Compulsory Use of Electronic Fund Transfers.. ...................................................................................................................517 15 USC §1693q. Relation to State Laws..............................................................................................................................................................517 ELECTRONIC FUND TRANSFER ACT (REGULATIONS) Code of Federal Regulations, Title 12 —­ Banks and Banking Chapter X —­ Bureau of Consumer Financial Protection 12 CFR PART 1005. ELECTRONIC FUND TRANSFERS (REGULATION E) Subpart A. General 12 CFR §1005.1. Authority and purpose.. ...........................................................................................................................................................518 12 CFR §1005.2. Definitions..................................................................................................................................................................................518 12 CFR §1005.3. Coverage.. ..................................................................................................................................................................................519 12 CFR §1005.4. General disclosure requirements jointly offered services..................................................................................................520 12 CFR §1005.5. Issuance of access devices.. ....................................................................................................................................................521 12 CFR §1005.6. Liability of consumer for unauthorized transfers.................................................................................................................521 12 CFR §1005.7. Initial disclosures......................................................................................................................................................................521 12 CFR §1005.8. Change in terms notice error resolution notice...................................................................................................................522 12 CFR §1005.9. Receipts at electronic terminals periodic statements.........................................................................................................522 12 CFR §1005.10. Preauthorized transfers.........................................................................................................................................................523 12 CFR §1005.11. Procedures for resolving errors............................................................................................................................................523 12 CFR §1005.12. Relation to other laws.. ..........................................................................................................................................................524 12 CFR §1005.13. Administrative enforcement record retention.. .................................................................................................................525 12 CFR §1005.14. Electronic fund transfer service provider not holding consumer’s account...................................................................526 12 CFR §1005.15. Electronic fund transfer of government benefits...............................................................................................................526 12 CFR §1005.16. Disclosures at automated teller machines..........................................................................................................................528 12 CFR §1005.17. Requirements for overdraft services....................................................................................................................................528 12 CFR §1005.18. Requirements for financial institutions offering payroll card accounts.. ........................................................................529 12 CFR §1005.19. Internet posting of prepaid account agreements................................................................................................................538 12 CFR §1005.20. Requirements for gift cards and gift certificates................................................................................................................539 Appendix A to 12 CFR Part 1005—Model Disclosure Clauses and Forms . ................................................................................................. 541 Supplement I to 12 CFR Part 1005—Official Staff Interpretations .............................................................................................................. 547 BANK RESPONSIBILITIES UNDER EFTPS (REGULATIONS) Code of Federal Regulations, Title 31 —­ Money and Finance: Treasury Subtitle B —­ Regulations Relating to Money and Finance Chapter II —­ Fiscal Service, Department of the Treasury 31 CFR PART 203. PAYMENT OF FEDERAL TAXES AND THE TREASURY TAX AND LOAN PROGRAM Subpart A. General Information 31 CFR §203.1. Scope.. ..........................................................................................................................................................................................595 31 CFR §203.2. Definitions....................................................................................................................................................................................595 31 CFR §203.3. TT&L depositaries.. ....................................................................................................................................................................596 31 CFR §203.4. Financial institution eligibility for designation as a TT&L depositary.................................................................................596 31 CFR §203.5. Designation of financial institutions as TT&L depositaries..................................................................................................596 31 CFR §203.6. Obligations of TT&L depositaries.............................................................................................................................................597 31 CFR §203.7. Termination of agreement or change of election or option...................................................................................................597 31 CFR §203.8. Application of part and procedural instructions.. ..................................................................................................................597 Subpart B. Electronic Federal Tax Payments 31 CFR §203.9. Scope of the subpart...................................................................................................................................................................597 31 CFR §203.10. Electronic payment methods.. ................................................................................................................................................597 31 CFR §203.11. Same-­day reporting and payment mechanisms.. ..................................................................................................................597