Answer:
If it is a credit card, the transactions are subject to Reg Z. If it is a debit card, whether authenticated by signature or by PIN, POS transactions are subject to Reg E's error resolution rules which allow up to 90 days for a claim to be resolved. If the transaction is an ATM withdrawal made within the US, the cap is 45 days. Transactions made outside the U.S. (and territories) or in a new account, even at ATMs, can be resolved in up to 90 days.
First published on BankersOnline.com 3/16/09