This module bridges regulatory knowledge with real-world application. It begins with the Electronic Signatures in Global and National Commerce Act (ESIGN), explaining what makes an electronic signature legally valid, what institutions must do to obtain proper e-consent, and how ESIGN enables compliant electronic delivery of the Reg E disclosures and authorizations covered in Module 1. From there, learners move into the scenarios they are most likely to encounter: handling EFT disputes from initial consumer contact through investigation and resolution, processing unauthorized transfer claims, and managing the full lifecycle of recurring payment authorizations — from setup through modification and cancellation. A video walkthrough demonstrates dispute handling in action, and scenario-based activities give learners the opportunity to apply the correct steps in realistic situations. By the end of this module, learners will be able to explain ESIGN's role in Reg E compliance and confidently handle the most common EFT issues they face in their roles.

This module brings the course to a close by assessing cumulative knowledge and equipping learners with resources for continued reference. The final assessment measures understanding across all course objectives — from EFT scope and consumer protections through ESIGN requirements and practical scenario handling. Following the assessment, learners receive a consolidated summary of the course's key principles and an action-oriented checklist to bridge learning to on-the-job application. This module ensures learners leave the course not only having demonstrated competency but also with clear next steps for applying Reg E and ESIGN knowledge in their daily roles.