I would require her to file a police report and provide a copy.
I would stongly recommend against this "requirement" as MarkleBank in Markle IN was recently handed an $82,500 CMP for requiring police reports in response to Reg E claims.
Related Thread My investigation would focus much more on how the husband "knew" the ID and password to the wife's individual account. As soon as she admits to sharing it with him you can invoke the staff interpretations to Reg E:
2. Authority. If a consumer furnishes an access device and grants authority to make transfers to a person (such as a family member or co-worker) who exceeds the authority given, the consumer is fully liable for the transfers unless the consumer has notified the financial institution that transfers by that person are no longer authorized. Another possible avenue to explore is when did the wife learn of the theft of the access device (i.e. the ID and password) if she claims to have not given it willingly to the husband. If she had known for more than 60 days prior to the 30k transfer that he had access and failed to notify the bank, you can invoke the unlimited liability tier under 205.6.
As the original poster correctly stated, we don't have to worry about provisional credit or completing the investigation in a timely fashion so take your time to get to the bottom of this one. Given the suspicious nature and large dollar amount of the claim, it also wouldn't hurt to give the bank's attorney a call before paying out on this claim.
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