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Uniform Commercial Code (UCC): Particularly Articles 3 (Negotiable Instruments) and 4 (Bank Deposits and Collections) which govern payment instruments and banking transactions

E-SIGN Act: Electronic Signatures in Global and National Commerce Act - Governs the legal validity of electronic signatures and records in payment consent documents

Electronic Funds Transfer Act (EFTA): Provides a basic framework for establishing the rights, liabilities, and responsibilities of electronic fund transfer participants

Truth in Lending Act (TILA): Requires clear disclosure of lending and payment terms to protect consumers in credit transactions

State UCC Variations: State-specific adoptions and modifications of the Uniform Commercial Code that may affect payment arrangements

State Contract Laws: Various state-specific regulations governing contract formation, validity, and enforcement

State Electronic Transaction Laws: State-specific laws governing electronic transactions and digital signatures

Regulation E: Federal regulation implementing the Electronic Fund Transfer Act, establishing rules for electronic banking services

Regulation Z: Federal regulation implementing the Truth in Lending Act, providing guidelines for credit terms disclosure

Fair Debt Collection Practices Act (FDCPA): Regulates the behavior of debt collectors and protects consumers from abusive collection practices

Gramm-Leach-Bliley Act: Requires financial institutions to explain their information-sharing practices and protect sensitive data

Bank Secrecy Act: Requires financial institutions to assist government agencies in detecting and preventing money laundering

USA PATRIOT Act: Includes provisions for strengthening anti-money laundering procedures in payment processing