If the error investigation takes longer than the 10, 20, 45, or 90 days, are institutions just "out in the cold" as far as giving credit to the borrower? For instance, let's say provisional credit is given and the investigation time frames are extended to 90 days for a POS. If the investigation determined it really was not an unauthorized error, but this didn't happen until the 106th day, does the institution just finalize the provisional credit and should that have been done on the 91st day?