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The correct answer is C. The type of EFT the consumer may make and any limitations on EFTs. Initial disclosures under the Electronic Fund Transfer Act (EFTA) indeed include information about the types of electronic fund transfers a consumer is allowed to make and any limitations on such transfers, among other key details. However, the question seems to be seeking a specific aspect of the initial disclosures, and option C directly addresses an essential component of these disclosures. Nonetheless, it's important to note that the initial disclosure requirements under EFTA, implemented by Regulation E, actually encompass all the elements listed in the options, including summaries of consumer liability for unauthorized transfers, contact information for reporting unauthorized transfers, and details about the institution's liability. Therefore, a more comprehensive answer would recognize that initial disclosures cover a broad range of information to protect and inform the consumer, not just the types and limitations of EFTs.
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