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Regulation E and Faster Payments: Error Resolution, Unauthorized Transfers, and Fraud on RTP®, FedNow®, and Zelle®

Electronic Format

When a consumer says "I did not send that," the clock starts ticking. This fully rewritten 2026 edition connects Regulation E’s error-resolution machinery to RTP®, FedNow®, and Zelle®, including the push-payment scam question every institution is wrestling with.

Inside the book
Sixteen chapters covering Regulation E and instant payments, what counts as an error, the error-resolution clock, network rules, police reports, and merchants, unauthorized EFTs and consumer liability limits, the CFPB scenarios, fraudulent inducement and negligence, authorized versus induced push-payment scams, agreements and finality, the RTP® and FedNow® rules for consumer payments, Nacha False Pretenses and credit monitoring, Regulation E in 2026, policies and procedures, and case studies that put it all together. Appendices include the clocks, key dates, a glossary, a procedure toolkit, and a quiz answer key with final review.

Who it’s for
Deposit operations and dispute staff, electronic banking and payments teams, fraud analysts, branch and contact center leaders, and the compliance, audit, and risk professionals who write the procedures.

This publication is formatted as a PDF document. Users must have access to Adobe Reader.

Format: PDF

Please Note: All digital purchases are final.

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