; and (B) paid for, to the extent such instruments shall be paid for, through delivery of physical currency or demand deposits at an interoperable exchange terminal. (4) Disclosures by e-cash distributors (A) In general Disclosures by the United States Government and any third-party authorized to distribute e-cash devices or balances regarding usage, fees, interoperability, security, privacy, data collection, error resolution, and any other terms considered relevant by the Bureau of Consumer Financial Protection shall be clear and readily understandable, in writing, and in a form the e-cash instrument bearer can reasonably maintain. (B) Form of disclosures Disclosures described under subparagraph (A) may be provided to the consumer in offline electronic form, subject to compliance with the consumer-consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act ( 15 U.S.C. 7001 et seq. ). (5) Liability of issuers for unauthorized transfers Neither the issuing entity nor any other Government agencies or approved e-cash distributors shall be held liable for unauthorized transfer of e-cash balances, so long as the appropriate disclosures and protections described in this Act are made. (6) Fees by merchants It shall be unlawful for the United States Government, authorized e-cash distributors, or any other person to impose a service fee or an interchange fee, or other processing fee or surcharge, for the use of e-cash in payments or purchases. (7) Bankruptcy E-cash instruments and balances shall be considered exempt property equivalent to physical currency for the purposes of Chapter 7 Bankruptcy proceedings. (8) Transactional reporting Under no circumstance, regardless of the particular technology involved, shall any transaction data generated by e-cash payments be collected, monitored, or retained by the United States Government, an authorized e-cash distributor, or any other counterparty except via the exemptions provided by this Act. (9) Preemption of inconsistent State