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Electronic Fund Transfer Act (EFTA): Federal law that provides a basic framework establishing the rights, liabilities, and responsibilities of participants in electronic fund transfer (EFT) systems

Regulation E: Federal regulation implementing the EFTA, providing specific guidelines for electronic fund transfers and consumer protections

NACHA Rules: Operating rules established by the National Automated Clearing House Association governing the ACH Network for direct deposits and electronic payments

Federal Reserve Regulation CC: Regulation implementing the Expedited Funds Availability Act, governing funds availability and collection of checks

Gramm-Leach-Bliley Act (GLBA): Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive customer data

Fair Labor Standards Act (FLSA): Federal law establishing wage payment requirements and other labor standards that may impact direct deposit arrangements

State Banking Regulations: Various state-specific rules governing banking operations and electronic fund transfers within state jurisdictions

State Labor Laws: State-specific requirements regarding payment methods and employee consent for direct deposit

CFPB Regulations: Consumer Financial Protection Bureau regulations protecting consumers in financial transactions including direct deposits

State Consumer Protection Laws: State-specific laws designed to protect consumers in financial transactions and banking relationships

Privacy and Data Protection Requirements: Federal and state requirements for protecting personal and financial information in banking transactions

Identity Theft Prevention Requirements: Regulations requiring financial institutions to implement programs to detect and prevent identity theft