The ESCWA Cyber Legislation Digest Article 16: Article 17: Article 18: Article 19: Article 20: Article 21: Article 22: Article 23: Article 24: Article 25: Article 26: The issue of e-payment and e-transfer orders Electronic systems for the issue of e-payment and e-transfer orders The responsibility of the client for e-payment and e-transfer orders The responsibility of banks and financial institutions for e-payment and etransfer orders The modification of contractual terms The issue of banking cards The responsibility of banks and financial institutions as regards banking cards The responsibility of the owner of banking cards Electronic money Electronic checks Final Provisions Directive 3: e-Commerce and Consumer Protection The following is a summary of the proposed legal framework: Chapter 1: Article 1: Article 2: General Provisions The objectives of the Directive and its scope of implementation Definitions of terms such as:           Electronic commerce (e-Commerce) Electronic message The sender and receiver of the electronic message The intermediary Electronic services Electronic contracts The consumer The professional Commercial messages and communications Automated e-message system Article 3: Freedom of e-Commerce Chapter 2: Article 4: Article 5: Article 6: Article 7: Commercial Electronic Messages and Letters The attribution of electronic messages Acknowledgement of receipt of electronic messages Time and Place stamp for the sending and receipt of electronic messages The information required for commercial messages and communications sent/received electronically Spam (non-desired commercial messages and communications) Regulated professions Article 8: Article 9: Chapter 3: Article 10: Article 11: Article 12: Electronic Contracts The legal recognition of electronic contracts The use of automated e-message system in the drafting of electronic contracts The information required from the providers of services 31