<Table> Electronic Fund Transfer Act <Tr> <Td colspan="2"> </Td> </Tr> <Tr> <Th> Other short titles </Th> <Td> <Ul> <Li> Financial Institutions Regulatory and Interest Rate Control Act of 1978 </Li> <Li> Change in Bank Control Act </Li> <Li> Change in Savings and Loan Control Act </Li> <Li> Depository Institution Management Interlocks Act </Li> <Li> Export - Import Bank Act Amendments </Li> <Li> Federal Financial Institutions Examination Council Act </Li> <Li> National Credit Union Central Liquidity Facility Act </Li> <Li> Right to Financial Privacy Act </Li> </Ul> </Td> </Tr> <Tr> <Th> Long title </Th> <Td> An Act to extend the authority for the flexible regulation of interest rates on deposits and accounts in depository institutions . </Td> </Tr> <Tr> <Th> Nicknames </Th> <Td> American Arts Gold Medallion Act </Td> </Tr> <Tr> <Th> Enacted by </Th> <Td> the 95th United States Congress </Td> </Tr> <Tr> <Th> Effective </Th> <Td> November 10 , 1978 </Td> </Tr> <Tr> <Th colspan="2"> Citations </Th> </Tr> <Tr> <Th> Public law </Th> <Td> 95 - 630 </Td> </Tr> <Tr> <Th> Statutes at Large </Th> <Td> 92 Stat. 3641 aka 92 Stat. 3728 </Td> </Tr> <Tr> <Th colspan="2"> Codification </Th> </Tr> <Tr> <Th> Titles amended </Th> <Td> <Ul> <Li> 12 U.S.C. : Banks and Banking </Li> <Li> 15 U.S.C. : Commerce and Trade </Li> </Ul> </Td> </Tr> <Tr> <Th> U.S.C. sections amended </Th> <Td> <Ul> <Li> 12 U.S.C. ch. 3 § 226 et seq . </Li> <Li> 15 U.S.C. ch. 41 § 1601 et seq . </Li> <Li> 15 U.S.C. ch. 41 § 1693 et seq . </Li> </Ul> </Td> </Tr> <Tr> <Th colspan="2"> Legislative history </Th> </Tr> <Tr> <Td colspan="2"> <Ul> <Li> Introduced in the House as H.R. 14279 by Fernand St. Germain ( D - RI ) on October 10 , 1978 </Li> <Li> Committee consideration by House Banking , Finance , and Urban Affairs , Senate Banking , Housing , and Urban Affairs </Li> <Li> Passed the House on October 11 , 1978 ( passed ) </Li> <Li> Passed the Senate on October 12 , 1978 ( passed ) with amendment </Li> <Li> House agreed to Senate amendment on October 14 , 1978 ( 341 - 32 , in lieu of H. Res. 1439 ) with further amendment </Li> <Li> Senate agreed to House amendment on October 14 , 1978 ( agreed ) </Li> <Li> Signed into law by President Jimmy Carter on November 10 , 1978 </Li> </Ul> </Td> </Tr> <Tr> <Th colspan="2"> Major amendments </Th> </Tr> <Tr> <Td colspan="2"> Credit CARD Act of 2009 </Td> </Tr> </Table>
when was the electronic funds transfer act signed into law
November 10 , 1978