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Understanding the Basics of Payments Law
This session delves into these issues and provides an overview of the most significant laws and regulations governing payments, including Uniform Commercial Code Articles 3, 4, and 4A, the Expedited Funds Availability Act and Regulation CC, the Electronic Funds Transfer Act and Regulation E, the CFPB’s authority to act against unfair deceptive, and abusive acts or practices, and recent updates to Regulation J in anticipation of FedNow. The session touches on the rules that structure the Federal Reserve’s payments services, including Regulation J and the Fed’s Operating Circulars. The speaker will also describe the OFAC/Bank Secrecy Act compliance regime that applies to all payments in the U.S.
Understanding Consumer Liability for Unauthorized Instant Payments Transactions
The speaker in this session will discuss protections from liability for consumers under traditional card networks, unauthorized electronic fund transfers under the Electronic Fund Transfer Act (EFTA).
Legal & Compliance Roles in Cybersecurity Incidents
This session will explore the legal frameworks and best practices for responding to cyber security incidents and highlight the legal implications of such incidents.
The Legal & Compliance Landscape of Instant Payments: What You Need to Know
During this session, speakers discuss the legal and regulatory frameworks that apply to instant payments, including Regulation E & UCC4A, as well as dive into the liability and risk management concerns associated with instant payments, including fraud, chargebacks, and data breaches. Speakers will also discuss strategies for mitigating these risks, such as implementing robust security protocols and complying with industry standards.
Payments After Dark: Examining High Risk Originators
Speakers in this session discuss what constitutes “high- risk” payments and the types and magnitude of transactions that give rise to such risks. Understand who needs to be involved and why, what process elements need to be considered, and what are potential client showstopper questions.
Navigating the Legalities & Compliance Implications of Third-Party Providers
During this session, we will explore the legal landscape surrounding the use of third-party senders and service providers.
Examining Cross Channel Fraud
This session is designed to provide attendees with a comprehensive understanding of the legal risks and consequences associated with fraud in different payment channels.
Data Aggregation & Privacy - Whose Information is It Really?
Speakers in this session discuss how data aggregators are working with the industry to understand how agreements, requirements such as WEB debit verification, and fraud prevention exceptions under existing and pending legislation are impacting and defining data usage and privacy protection.
Current Events in Sanctions and AML
This session will provide attendees with a deep dive into the legal and regulatory implications of recent developments in sanctions and anti-money laundering (AML) compliance.
After a Collapse: Asking the Right Questions
Playing Monday morning quarterback extended beyond the football field in the spring of 2023 as the financial industry watched the aftermath of the Silicon Valley Bank and Signature Bank closures. With the seizures of the banks came questions concerning the establishment of the bridge bank, the role of the FDIC, receivership certificates, pass through insurance and deposit insurance limits. But beyond those, industry insiders were asking about pending ACH and real- time files and transactions and pondering what this event might have looked like with the FedNow system in place. The speaker in this session explores these questions and considers if there were other, better questions to ask as the situation was unfolding.