Which is correct?

A subsection of the Uniform Commercial Code, Article $4-$state law$-$governs a customer's liability for unauthorized charges on her credit card.

$$Federal law governs a consumer's liability for unauthorized electronic funds transfers.

An unauthorized transfer occurred on May $1.$ Customer did not discover it until May $16,$ when she

$$received her bank statement; she reported it to the bank on May $17.$ Because she did not report the loss within two business days of its occurrence, Customer is liable for $$500$ of the loss.

$$Your employer, a government agency, or a creditor can require that you pay your bills by electronic transfer.