To comply with Reg E, what types of transactions must an institution honor after a provisional credit is reversed when a transaction dispute is being denied? Has anyone received any instructions from a regulator or auditor that transaction types other than checks, drafts, or similar instruments must be honored? What would be classified as "similar instruments? For example, do EFTs (such as point of sale and ATM withdrawals) with authorization dates occurring after the denial date have to be honored?

This is the section of Reg E that I am referring to:

(ii) Notify the consumer that the institution will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from the consumer's account (without charge to the consumer as a result of an overdraft) for five business days after the notification. The institution shall honor items as specified in the notice, but need honor only items that it would have paid if the provisionally credited funds had not been debited.

Basically it covers any sort of debit headed the way of the account during those five business days.