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**The Electronic Funds Transfer Act and the Federal Reserve Board’s Regulation E**
These are the federal regulations that provide guidelines for the use of ATM and debit cards. The Electronic Funds Transfer Act (EFTA) establishes the basic rights, responsibilities, and protections for consumers who use electronic fund transfer services, including ATM and debit card transactions. Federal Reserve Board's Regulation E provides specific rules and requirements under the EFTA, including disclosure requirements, error resolution procedures, and limitations on liability for unauthorized transfers. These regulations aim to protect consumers when using electronic payment methods.