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?
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?
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?
Does the Reg E rule permit the use of an opt-out of overdraft services?
Can we charge our customer an overdraft fee when a withdrawal or other transaction exceeds the available balance in his account?
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?
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?
1. Has the CFPB issued anything official relating to overdraft payment programs?
If our customer claims an EFT is unauthorized, we have to make sure they get a credit for the transaction, right?
When we are updating our investigation procedures, is it just Regulation E we need to consider?