Tariq Law PC
New York EFTA Lawyer —Protecting Your Rights Under Federal Law
If your bank denied your fraud dispute or refused to refund money taken from your account without authorization, you may have rights under federal law. The Electronic Fund Transfer Act (EFTA) provides consumer protections for electronic transactions — and Tariq Law PC helps New York consumers understand and pursue those rights.
What Is the EFTA?
The Electronic Fund Transfer Act is a federal consumer protection law that governs electronic transactions involving personal bank accounts. It covers debit card transactions, ATM withdrawals, ACH transfers, and payments made through platforms like Zelle and Cash App when linked to a consumer account. Under the EFTA and its implementing regulation, Regulation E, financial institutions generally must investigate qualifying claims, may be required to provide provisional credit during the investigation process, and may be required to reimburse consumers for unauthorized electronic fund transfers. Entitlement to a refund depends on several factors, including the nature of the transaction, the timing of the report, and the outcome of the institution’s investigation.
When Should You Speak With an EFTA Attorney?
Consider consulting an attorney if:
• An unauthorized transfer left your account and your bank denied your dispute
• Your bank failed to investigate within the required timeframe
• Your bank did not issue provisional credit when required
• You received a denial without a written explanation
• Your bank refused to provide records used in the investigation
Potential Remedies Under the EFTA
If your bank violated the EFTA, you may be entitled to:
• Actual damages — the amount you lost as a result of the violation
• Statutory damages that may be available under federal law, together with actual damages and attorneys’ fees where authorized
• Attorney’s fees and costs, which may be recoverable from the bank
New York EFTA Representation
Our attorneys handle EFTA disputes in federal court, including in the Southern District of New York (SDNY) and the Eastern District of New York (EDNY). We represent consumers throughout New York City — Manhattan, Brooklyn, Queens, the Bronx, and Staten Island.
Banks have legal teams working on their behalf. You deserve experienced representation too.
AS SEEN ON...
Communication
Always on your side.
Integrity
Honesty at our core.
Excellence
Pursuing the highest standards.
Call To Schedule a Consultation
Tariq Law, PC. is located in the heart of New York City at 99 Park Avenue, footsteps from the iconic Grand Central Terminal in Midtown Manhattan. We serve clients primarily in New York, New Jersey, and in federal courts across the United States.
In order to evaluate your particular circumstances, please reach out to us to schedule an individual case review. Using this site or communicating with an attorney does not establish an attorney-client relationship, which can only be established in writing and signed by the lawyer and the client.
Prior results do not guarantee a similar outcome. This website is for informational purposes only.
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NYC's premier consumer protection law firm. We fight for justice in FCRA, FDCPA, identity theft, and debt defense cases with unmatched expertise and tenacity.
Email: [email protected]
Phone: (866) 885-8529
Location: 99 Park Avenue New York, NY 10016
