Latest Operations - ATM Topics

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?

No overdraft service, no opt-in

11/18/2018

Can our bank obtain a Reg E opt-in for overdraft fees to allow us to charge our customer when a debit card transaction overdraws his account because a check or ACH posted before the debit card purchase transaction?

CFPB work on overdraft programs

11/11/2018

1. Has the CFPB issued anything official relating to overdraft payment programs?

Does my bank have to pay?

11/04/2018

If our customer claims an EFT is unauthorized, we have to make sure they get a credit for the transaction, right?

Updating EFT Investigation Procedures

10/28/2018

When we are updating our investigation procedures, is it just Regulation E we need to consider?