You have a deadline, and when a decision is made, final is final. There is very little latitude in Reg E and you don't get more time because someone at the bank couldn't count the days or enter them correctly. If the consumer reported the loss after 2 business days, but says they meant to tell you sooner, they don't get credit for those days.
Someone should be using our BOL Claims Calendar for Reg E.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell