Definiciones sobre dispositivos de transacción financiera en Míchigan

Explicación Simple

Esta sección habla de qué se considera un dispositivo de transacción financiera, como tarjetas de crédito o débito. También menciona a las personas o entidades que los usan y a los bancos que los emiten.

Es como tener una llave para abrir una puerta. Las tarjetas y dispositivos financieros son las llaves que te permiten acceder a tu dinero en el banco.

Ejemplo Práctico

Imagina que Juan tiene una tarjeta de débito de su banco. Cuando va a la tienda y compra un teléfono, usa su tarjeta para pagar. En este caso, el banco es la institución financiera y la tarjeta es el dispositivo de transacción financiera.

Texto Original del Estatuto (Inglés)

(i) The person or organization who requests a financial transaction device and to whom or for whose benefit a financial transaction device is subsequently issued. (ii) The person or organization to whom a financial transaction device was issued and who used or accepted a financial transaction device, whether the issuance of the financial transaction device was requested or not. (e) “Financial institution” means a bank, savings and loan association, or credit union, and includes a corporation wholly owned by a financial institution or by the holding company parent of a financial institution. (f) “Financial transaction device” means any of the following: (i) An electronic funds transfer card. (ii) A credit card. (iii) A debit card. (iv) A point-of-sale card. (v) Any instrument, device, card, plate, code, account number, personal identification number, or a record or copy of a code, account number, or personal identification number or other means of access to a credit account or deposit account, or a driver's license or state identification card used to access a proprietary account, other than access originated solely by a paper instrument, that can be used alone or in conjunction with another access device, for any of the following purposes: (A) Obtaining money, cash refund or credit account, credit, goods, services, or any other thing of value. (B) Certifying or guaranteeing to a person or business the availability to the deviceholder of funds on deposit to honor a draft or check payable to the order of that person or business. (C) Providing the deviceholder access to a deposit account for the purpose of making deposits, withdrawing funds, transferring funds between deposit accounts, obtaining information pertaining to a deposit account, or making an electronic f