Latest Operations - ATM Topics

A debt may not be a “debt”

07/14/2019

What debts may be covered now?

You don’t have to investigate all Reg E claims.

07/07/2019

Why do we have to investigate all Reg E EFT claims?

Conditions for customers making EFT claims

06/16/2019

When Reg E does apply, what kind of requirements can we place on the customer? Can we require that they file a police report or prove they have attempted contact with the merchant first?

You can’t change Reg E because you want to.

06/09/2019

How can we shorten the time limits in regards to a customer reporting a problem in for Reg E? Our card agreement requires provisional credit in five business days, so we want the customer to be forced to notify us sooner.

Reg E is “use dependent”

03/17/2019

I have heard that business accounts do not fall under Reg E. How does this apply to internet banking and what about a business account that is a sole proprietorship?

Reg E and buyer’s remorse

03/10/2019

If a consumer purchased tires and later claimed they were defective and they filed a Reg E claim, but refused to go back to the merchant, can we deny his claim?

Reg E claim 1st question

02/17/2019

What is our obligation under Reg E if a spouse on an account wants to file disputes for charges incurred by the other spouse on the account?

Overdraft opt-ins and opt-outs

12/09/2018

Does the Reg E rule permit the use of an opt-out of overdraft services?

Overdrafts and available balances

12/02/2018

Can we charge our customer an overdraft fee when a withdrawal or other transaction exceeds the available balance in his account?

No opt-in, no overdraft fee

11/25/2018

Can we charge an overdraft fee for a one-time debit card transaction that overdraws an account of a customer who has not opted-in if there were sufficient funds at the time of authorization but not at the time the transaction posts?