Actually, for PIN transactions routed through VISA, both Reg E and VISA rules would apply. In the event there is a conflict between these rules, the more consumer friendly rule wins.
For example, Reg E allows you to take 10 business day prior to providing provisional credit, but VISA requires provisional credit in 5 business days. The more friendly rule is 5 so you comply with both requirements by providing credit in 5.
Reg E allows you to withold $50 of the provisional credit in the case of a lost/stolen card, VISA provides Zero Liability protection. Again, VISA is more consumer friendly and you must provide the Zero Liability coverage.
Reg E requires that your investigation be completed in 90 calander days. VISA has no time limit on your investigation. Since Reg E is more consumer friendly, you must follow its investigation schedule.
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