Overview
The Electronic Fund Transfer Act and its implementing Regulation E establish the rights, liabilities, and responsibilities of participants in electronic fund transfer systems. The law protects consumers engaging in electronic transfers including ATM transactions, direct deposits, point-of-sale transfers, and online banking. It requires financial institutions to provide specific disclosures, limits consumer liability for unauthorized transfers, establishes error resolution procedures, and restricts certain practices including compulsory use of electronic fund transfers. Regulation E is particularly relevant to fintech platforms, payment apps, and banking agreements that govern how consumer funds are handled electronically.
Penalties
Individual liability: actual damages, statutory damages of $100 to $1,000 per individual action, up to $500,000 or 1% of net worth for class actions. Attorney fees and costs.
Key Articles & Sections
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Section 905 / Reg E § 1005.6
Consumer Liability for Unauthorized Transfers
Limits consumer liability for unauthorized electronic fund transfers based on how quickly the consumer reports the loss or theft.
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Section 908 / Reg E § 1005.11
Error Resolution Procedures
Requires financial institutions to investigate and resolve errors reported by consumers within specific timeframes.
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Platforms We Track Subject to EFTA / Reg E
Recent Changes Related to EFTA / Reg E
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Sep 4, 2026
Uniswap
Low
Uniswap's Privacy Policy metadata was updated on September 4, 2026 to reflect that the document was last updated 22 days prior, compared to the previous timestamp of 21 days prior. This is a routine …
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Sep 3, 2026
Hilton
Low
Hilton's updated privacy statement now explicitly lists five additional data categories that may be collected and shared with third parties: Gender, Telephone, Arrival Time, Departure Date, and Spend…
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Sep 3, 2026
Google Gemini
Low
Google Gemini's model card was updated to reflect a change in the list of related model versions. The document previously listed 'Gemini 3.1 Flash-Lite Image' as the latest available model, and the u…
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Sep 3, 2026
Uniswap
Low
The Uniswap Privacy Policy's metadata timestamp was updated in an update detected on September 3, 2026. The 'Updated' field changed from '20 days ago' to '21 days ago', reflecting a routine refresh o…
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Sep 3, 2026
SoFi
Low
SoFi revised its SoFi Plus early withdrawal fee terms to use consistent terminology. The document previously used the term 'total equity' inconsistently and added a formal definition of 'pre-promotio…
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Sep 3, 2026
SoFi
Low
SoFi revised terminology in its SoFi Plus account terms, changing instances of 'total equity' to 'total equity value' throughout the early withdrawal fee provisions. The company also added an explici…
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Sep 3, 2026
Robinhood
Unknown
Robinhood updated their Robinhood Customer Agreement on September 03, 2026. Change detected: 1 sentence(s) modified. Document contained 19 sentences after update.
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Sep 3, 2026
Coinbase
Medium
Coinbase expanded the circumstances under which it can liquidate customer assets without notice to cover losses. The updated language adds a new scenario: if a transfer of securities into a customer'…
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Sep 2, 2026
Uniswap
Low
Uniswap updated a metadata timestamp in their Privacy Policy detected on September 2, 2026. The update changed a single sentence from 'Updated 19 days ago' to 'Updated 20 days ago'. This is a routine…
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Sep 2, 2026
MetaMask
Low
The change detected on September 2, 2026 involves a modification to one sentence in MetaMask's Terms of Use. The BEFORE and AFTER sections provided appear identical in their rendered text, suggesting…
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ConductAtlas maps governance language to potentially relevant regulatory frameworks. Regulatory applicability and enforceability may vary by jurisdiction, enforcement context, and individual circumstances. This page is informational and does not constitute legal advice. Methodology
Provisions Governed by EFTA / Reg E (306 across 56 platforms)
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Frequently Asked Questions
What does EFTA / Reg E require?
Which platforms does EFTA / Reg E apply to?
ConductAtlas tracks EFTA / Reg E-relevant provisions across 56 platforms. Each platform's specific provisions are classified by severity and mapped to EFTA / Reg E requirements.
How does ConductAtlas monitor EFTA / Reg E compliance?
ConductAtlas captures policy documents daily, classifies provisions by regulatory framework, and flags changes that affect EFTA / Reg E obligations. Every change is archived with cryptographic verification.