The document explains the terms and conditions that must be disclosed to consumers regarding electronic fund transfers under the Electronic Fund Transfer Act of 2007. Financial institutions are required to disclose terms clearly in English at the time a consumer contracts for electronic fund transfer services. Required disclosures include details about consumer liability for unauthorized transfers, procedures for reporting unauthorized transfers, limits on transfer amounts and frequencies, applicable fees, the right to stop preauthorized transfers, the right to receive transfer information, error resolution procedures, financial institution liability, circumstances for disclosing account information to third parties, and potential fees from ATM operators.