Generate a compliant Reg E error resolution workflow for Electronic Funds Transfer disputes. Produces required investigation timelines, provisional credit rules, consumer notification requirements, and investigation steps per 12 CFR Part 1005.
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Scope & reliance — Timelines are calculated in business days per 12 CFR Part 1005 and CFPB Official Interpretations (Supplement I). “Business days” for most Reg E purposes excludes Sundays and federal public holidays (but not Saturdays). The provisional credit and extended investigation rules for new accounts (opened within 30 days) and foreign-initiated or POS transactions apply automatically where indicated. Always apply institution-specific procedures and state law overlays.
Transaction & Account Details
Investigation Context
Note: “Business days” for purposes of the 10-day investigation limit and all Reg E timelines excludes Sundays and federal public holidays per 12 CFR 1005.11(c). For the consumer notice of account terms (§1005.7), business days includes all calendar days except Sundays and legal public holidays.
Consumer Liability Determination
Step-by-Step Investigation Workflow
Step
Action Required
Responsible Party
Deadline (Business Days from Report)
Reg E Citation
Required Consumer Notices
Special Handling Notes
Regulatory Citations
Electronic Fund Transfer Act (EFTA), 15 U.S.C. § 1693 et seq. — foundational statutory authority for consumer electronic funds transfer rights and error resolution.
Regulation E, 12 CFR Part 1005 — CFPB implementing regulation; specifically §1005.11 (error resolution procedures), §1005.6 (liability of consumer), and §1005.7 (initial disclosures).
CFPB Official Interpretations to 12 CFR Part 1005, Supplement I — authoritative commentary on provisional credit requirements, investigation timelines, new account extensions, and consumer liability rules.
CFPB Prepaid Accounts Rule, 12 CFR Part 1005.18 — extended full Reg E error resolution protections to prepaid accounts (effective April 1, 2019); payroll cards covered under §1005.18(e).
NACHA Operating Rules — ACH network error resolution procedures, return codes (R05, R07, R10, R29), and ODFI/RDFI obligations in parallel with Reg E requirements.