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Fair Credit Billing Act (FCBA): Federal law that protects consumers from unfair billing practices and provides a procedure for resolving billing errors in open-end credit accounts

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

Consumer Financial Protection Bureau Regulations: Federal regulatory framework that oversees consumer financial products and services, including payment processing and dispute resolution

Regulation E: Federal regulation that implements the Electronic Fund Transfer Act, establishing guidelines for electronic banking transactions

State Consumer Protection Laws: State-specific laws that protect consumers from unfair practices and establish additional rights regarding financial transactions and refunds

State Banking Regulations: State-specific rules governing banking operations, including payment processing and error resolution timeframes

State Refund Timeframes: State-specific regulations determining the maximum time period for requesting and processing refunds for duplicate payments

State Statutes of Limitations: State-specific time limits within which legal action must be taken for payment disputes

UCC Article 4: Uniform Commercial Code article governing bank deposits and collections, including error resolution and payment processing

UCC Article 4A: Uniform Commercial Code article specifically dealing with fund transfers between financial institutions

Financial Institution Policies: Individual bank or financial institution's specific procedures and requirements for handling double payment situations

Payment Method Regulations: Specific rules and regulations governing different payment methods such as credit cards, ACH transfers, and wire transfers