A side effect of disinfection, not a contamination event.
Chlorine keeps tap water safe from bacteria. When it reacts with naturally occurring organic matter — leaves, soil, decaying plant material — already present in the source water, it also forms a small family of compounds as a byproduct. Two groups are regulated.
Haloacetic acids
Five related compounds, measured together. They form in the same chlorine-plus-organic-matter reaction and tend to build up the longer water sits in the distribution system before it reaches a tap.
Total trihalomethanes
A related family of four byproducts, also measured together. The EPA regulates both groups because long-term exposure at elevated levels is linked to increased cancer risk — which is also why both limits sit well below the concentration where any immediate effect would occur.