Most Popular Technology Content
The OD Fee Opt-in Switch
05/03/2010
With Reg. E, if you opt out and then want to opt in, can you? If you opt in can you later opt out, can you?
Authorized Signers and Reg. E Opt-in Requirements
05/03/2010
Concerning Reg. E and opt-in, should authorized signers, rather than an account owner, on an account be allowed to make the opt-in decision?
Must we send opt-in if we won't charge a fee?
05/03/2010
If it will not be our practice to charge an overdraft fee for a POS transaction or ATM withdrawal, are we required to notify our customers of the opt-in/opt-out choice?
Why Should Customers Opt In?
04/26/2010
Why should customers opt into overdraft protection under Reg E?
Reg E Dispute Timeframes
04/26/2010
When do most banks give final credit for Reg. E disputes? As I understand, merchants have forty-five calendar days from the date that the processor gives the bank provisional credit to file a representment, but our bank only has forty-five days from the receipt of a notice of error to investigate and determine whether an error occurred. I know there are instances where the bank can take up to ninety days for an investigation, but for those times when the bank only has forty-five days, the forty-five day period could end for the bank, and then the merchant could represent after that. In this case, would it just be a loss for the bank?