Dr. Charles Pat Davis, MD, PhD, is a board certified Emergency Medicine doctor who currently practices as a consultant and staff member for hospitals. He has a PhD in Microbiology (UT at Austin), and the MD (Univ.
Americans for Effective Law Enforcement was formed in 1966. The Law Enforcement Legal Center was begun in 1973. AELE is a research driven educational organization that produces and disseminates legal information through traditional seminars, via electronic media and direct contact.
While technically EFT stands for electronic funds transfer, and in theory could be any funds movement that is electronic, ACH is what the average person means when they use the term, as a consumer, business or in banking.