Are credit cards covered under the Electronic Funds Transfer Act (EFTA)?

"The EFTA and Regulation E apply when the capability to
initiate EFTs is added to an accepted credit card (as defined under Regulation Z)." What does this statement mean exactly in layman's terms?

"The EFTA and
Regulation E also apply to the issuance of an access device that permits credit extensions under a preexisting agreement between the consumer and a financial institution to extend credit only to
cover overdrafts (or to maintain a specified minimum balance)." What does this statement mean in layman's terms?

Did you read the commentary to 1005.12(a), there are some pretty good examples.

Thanks! I did check out that commentary. The CFPB's official interpretation of 1005.12(a) helped a lot.