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Consumer Banking and Payments Law: A-11 through A-29 [Reserved]
[Editor’s Note: These forms have been reserved.]
Consumer Banking and Payments Law: A-30(a) Model Form for Pre-Payment Disclosures for Remittance Transfers Exchanged into Local Currency (§ 1005.31(b)(1))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Today’s Date: March 3, 2014
NOT A RECEIPT
Consumer Banking and Payments Law: A-30(b) Model Form for Pre-Payment Disclosures for Remittance Transfers Exchanged into Local Currency (§ 1005.31(b)(1))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Today’s Date: March 3, 2014
NOT A RECEIPT
Consumer Banking and Payments Law: A-30(c) Model Form for Pre-Payment Disclosures for Remittance Transfers Exchanged into Local Currency (§ 1005.31(b)(1))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Today’s Date: March 3, 2014
NOT A RECEIPT
Consumer Banking and Payments Law: A-30(d) Model Form for Pre-Payment Disclosures for Remittance Transfers Exchanged into Local Currency (§ 1005.31(b)(1))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Today’s Date: March 3, 2014
NOT A RECEIPT
Consumer Banking and Payments Law: A-31 Model Form for Receipts for Remittance Transfers Exchanged into Local Currency (§ 1005.31(b)(2))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Today’s Date: March 3, 2014
RECEIPT
SENDER:
Pat Jones
100 Anywhere Street
Anytown, Anywhere 54321
222-555-1212
RECIPIENT:
Carlos Gomez
Consumer Banking and Payments Law: A-32 Model Form for Combined Disclosures for Remittance Transfers Exchanged into Local Currency (§ 1005.31(b)(3))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Today’s Date: March 3, 2014
SENDER:
Pat Jones
100 Anywhere Street
Anytown, Anywhere 54321
222-555-1212
RECIPIENT:
Carlos Gomez
123 Calle XXX
Consumer Banking and Payments Law: A-33 Model Form for Pre-Payment Disclosures for Dollar-to-Dollar Remittance Transfers (§ 1005.31(b)(1))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Today’s Date: March 3, 2014
NOT A RECEIPT
Consumer Banking and Payments Law: A-34 Model Form for Receipts for Dollar-to-Dollar Remittance Transfers (§ 1005.31(b)(2))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Today’s Date: March 3, 2014
RECEIPT
Consumer Banking and Payments Law: A-35 Model Form for Combined Disclosures for Dollar-to-Dollar Remittance Transfers (§ 1005.31(b)(3))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Today’s Date: March 3, 2014
Consumer Banking and Payments Law: A-36 Model Form for Error Resolution and Cancellation Disclosures (Long) (§ 1005.31(b)(4))
What to do if you think there has been an error or problem:
If you think there has been an error or problem with your remittance transfer:
Consumer Banking and Payments Law: A-37 Model Form for Error Resolution and Cancellation Disclosures (Short) (§ 1005.31(b)(2)(iv) and (vi))
You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at [insert telephone number] or [insert website]. You can also contact us for a written explanation of your rights.
You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited.
For questions or complaints about [insert name of remittance transfer provider], contact:
Consumer Banking and Payments Law: A-38 Model Form for Pre-Payment Disclosures for Remittance Transfers Exchanged into Local Currency—Spanish (§ 1005.31(b)(1))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Fecha: 3 de marzo de 2014
ESTE NO ES UN RECIBO
Consumer Banking and Payments Law: A-39 Model Form for Receipts for Remittance Transfers Exchanged into Local Currency—Spanish (§ 1005.31(b)(2))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Fecha: 3 de marzo de 2014
RECIBO
REMITENTE:
Pat Jones
100 Anywhere Street
Anytown, Anywhere 54321
222-555-1212
DESTINATARIO:
Carlos Gomez
Consumer Banking and Payments Law: A-40 Model Form for Combined Disclosures for Remittance Transfers Exchanged into Local Currency—Spanish (§ 1005.31(b)(3))
ABC Company
1000 XYZ Avenue
Anytown, Anystate 12345
Fecha: 3 de marzo de 2014
REMITENTE:
Pat Jones
100 Anywhere Street
Anytown, Anywhere 54321
222-555-1212
DESTINATARIO:
Carlos Gomez
123 Calle XXX
Consumer Banking and Payments Law: A-41 Model Form for Error Resolution and Cancellation Disclosures (Long)—Spanish (§ 1005.31(b)(4))
Lo que usted debe hacer si cree que hay un error o problema:
Si cree que hay un error o problema con su envío de dinero:
Consumer Banking and Payments Law: Appendix B to Part 1005—[Reserved]
[Editor’s Note: This section has been reserved.]
Consumer Banking and Payments Law: Appendix C to Part 1005—Issuance of Official Interpretations
Official Interpretations
Pursuant to section 916(d) of the Act, the Bureau has designated the Associate Director and other officials of the Division of Research, Markets, and Regulations as officials “duly authorized” to issue, at their discretion, official interpretations of this part. Except in unusual circumstances, such interpretations will not be issued separately but will be incorporated in an official commentary to this part, which will be amended periodically.
Consumer Banking and Payments Law: Introduction
Regulation E and commentary was initially promulgated by the Federal Reserve Board (FRB). As of 2010, the Consumer Financial Protection Bureau (CFPB) has authority to issue Regulation E and its official interpretations. See Pub. L. No. 111-203, tit. X §§ 1084(2), 1100H, 124 Stat. 2083, 2113 (July 21, 2010). On December 27, 2011, the CFPB issued its version of Regulation E and its interpretations. See 76 Fed. Reg. 81,023 (Dec. 27, 2011).
Consumer Banking and Payments Law: 2(a) Access Device
1. Examples. The term “access device” includes debit cards, personal identification numbers (PINs), telephone transfer and telephone bill payment codes, and other means that may be used by a consumer to initiate an electronic fund transfer (EFT) to or from a consumer account. The term does not include magnetic tape or other devices used internally by a financial institution to initiate electronic transfers.
Consumer Banking and Payments Law: 2(b) Account
1. Consumer asset account. The term “consumer asset account” includes:
i. Club accounts, such as vacation clubs. In many cases, however, these accounts are exempt from the regulation under § 1005.3(c)(5) because all electronic transfers to or from the account have been preauthorized by the consumer and involve another account of the consumer at the same institution.
Consumer Banking and Payments Law: 2(d) Business Day
1. Duration. A business day includes the entire 24-hour period ending at midnight, and a notice required by the regulation is effective even if given outside normal business hours. The regulation does not require, however, that a financial institution make telephone lines available on a 24-hour basis.