The commentary to 1005.6 makes Randy's answer abundantly clear for consumers.
3. Limits on liability. The extent of the consumer's liability is determined solely by the consumer's promptness in reporting the loss or theft of an access device. Similarly, no agreement between the consumer and an institution may impose greater liability on the consumer for an unauthorized transfer than the limits provided in Regulation E.
VISA/Mastercard also will not take kindly to the bank asking its cardholders to waive Zero Liability protections. You are contractually obligated to provide them.
Last edited by BrianC; 04/23/18 02:03 PM.
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