/**
 * Regulation E / Electronic Fund Transfer Act Compliance Pack
 *
 * Regulation: Electronic Fund Transfer Act (EFTA), 15 U.S.C. §1693 et seq.,
 *             implemented by Regulation E, 12 C.F.R. Part 1005.
 *
 * Regulator: Consumer Financial Protection Bureau (CFPB) -- primary since
 *            Dodd-Frank (2011). Prior authority vested in the Federal Reserve
 *            Board. Examination and enforcement shared with prudential
 *            regulators (OCC, FDIC, NCUA) for their supervised institutions.
 *
 * Scope:
 *   - Electronic fund transfers (EFTs) initiated through electronic terminals,
 *     telephone, computer, or magnetic tape for consumer accounts.
 *   - Prepaid account rules (Subpart E, effective April 1, 2019): prepaid
 *     cards, payroll cards, mobile wallets, peer-to-peer payment products.
 *   - Gift card / gift certificate rules (12 C.F.R. §1005.20): dormancy
 *     fees, expiration dates, disclosure requirements.
 *   - Remittance transfer rules (Subpart B, 12 C.F.R. §§1005.30-1005.36):
 *     international remittances sent by consumers.
 *
 * Companion regulation:
 *   Regulation Z (12 C.F.R. Part 1026 / TILA) covers credit-related
 *   disclosures. Reg E and Reg Z are companion consumer financial
 *   regulations: Reg E covers debit/EFT, Reg Z covers credit. This pack
 *   covers Reg E only. See us-tila.ts for Reg Z.
 *
 * Pack alias note:
 *   FS-05 on site/packs.html is NOT assigned to this pack. FS-05 is currently
 *   attached to us-tila.ts (Reg Z). Reg E is a separate pack without a current
 *   FS-0x alias; one should be assigned when the HTML surface is next updated.
 *
 * Key obligations for AI systems:
 *   - Error resolution: 10 business days to investigate, extendable to 45
 *     business days if provisional credit is given. Consumer has 60 days from
 *     statement to report unauthorized transfer.
 *   - Change-in-terms notice: 21 days before effective date.
 *   - Periodic statement: required for accounts; prepaid account rules vary.
 *   - Prepaid account disclosures: short-form + long-form disclosure before
 *     account acquisition (§1005.18(b)).
 *
 * Retention: Most records -- 2 years per 12 C.F.R. §1005.13.
 *
 * @connexum/ai-governance
 */
import { CompliancePack } from './index';
import { CategoryClassifiers } from '../classification/pack-driven-classifier';
/**
 * Regulation E category classifiers.
 */
export declare const REG_E_CATEGORY_CLASSIFIERS: CategoryClassifiers;
export declare const REG_E_PACK: CompliancePack & {
    categoryClassifiers: CategoryClassifiers;
};
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