04/22/2013
Can a bank accept a stop payment from a online banking account without a signature? Will the printed request be sufficient and hold up in court?
04/15/2013
When a bank restricts the use of a customer's access device due to excessive transactions under Reg D, does it have to send the Reg E 21-day change in terms notice?
04/15/2013
When setting up businesses for online banking, ACH, and remote deposit capture, does the bank maintain control over users of the business or do they set up an administrator for the business for them to maintain?
04/08/2013
Currently, when a customer signs up for estatements we still send a paper statement. The paper statement turns off when they open their first estatement. Are we required to do this or can we turn the paper statement option off completely when they sign up for estatements?
04/08/2013
A new account (joint) for an existing customer with her adult daughter was opened and had 2 signatures required for withdrawal coded on account and contract. The customer already had Internet banking and the new account was not blocked from being accessed. What is the liability of the bank for funds transferred to an individual account via internet banking?
03/18/2013
Is it OK to require police reports when consumers file EFT disputes?
03/11/2013
What are the features of ebanking?
02/25/2013
We have a customer who disputed a POS charge and the 90-day time frame has been completed with the completion letter already sent. The merchant has provided documents showing that the customer called to unenroll on a different date listed on their dispute letter. They did tell them it takes one business cycle for changes to be made, but hung up. Do we have any rights per Reg E as an institution to charge back the disputed charge to the customer so they will need to resolve it with that merchant directly if the dispute time frame is completed? Or do we take the loss since it is after the completion date when the charge is re-presented back to us?
02/18/2013
If the bank decides to take a loss on an ACH item and gives the customer immediate credit, is the bank still required to wait 7 business days before notifying the customer of final credit?
02/18/2013
How do we submit MasterCard debit card disputes if MC wants a signature but REG E won't let us request it of the customer?