are we liable for the full amount of unauthorized debit card transactions that take place in europe? I thought I read somewhere that we may not be, but I can't seem to find the info

You were "hoping, wishing and a dreamin'". You do get some extra time to investigate (90 days vs. 45), but you still have to provisionally re-credit within 10 biz. days after dispute. Get copies of those signed receipts and see if by chance it looks like your customer's signature. You might stand a chance to deny.

Good luck.

thanks for your reply...i'm usually hoping, wishin & dreamin when it comes to reg e!!

And while coming down from the wishin, hopin and dreamin cloud, remember that it usually takes more than the allowable time to investigate international transactions.