References References Laws 15 USC 1693 et seq., “Electronic Fund Transfer Act” 15 USC 7001 et seq., “Electronic Signatures in Global and National Commerce Act” Regulations 12 CFR 1005, “Electronic Fund Transfers (Regulation E)” OCC Issuances Advisory Letter 2004-6, “Payroll Card Systems” (May 6, 2004) (national banks) Advisory Letter 2004-11, “Electronic Consumer Disclosures and Notices” (October 1, 2004) (national banks) OCC Bulletin 2005-9, “Overdraft Protection Programs: Interagency Guidance” (April 6, 2005) (national banks and federal savings associations) OCC Bulletin 2011-27, “Prepaid Access Programs: Risk Management Guidance and Sound Practices” (June 28, 2011) (national banks and federal savings associations) Comptroller’s Handbook 91 Electronic Fund Transfer Act .