Bank and app reimbursement policies for scam and unauthorized transfers at Zelle, Venmo, Cash App, PayPal, Apple Cash and the big banks, Regulation E and CFPB guidance changes, state laws on scam reimbursement, lawsuits and settlements paying scam victims, wire recall and transfer reversal rule changes, bank dispute process and timeline changes, FTC refund programs from enforcement cases, crypto and gift card scam recovery rules and chargeback outcomes for scam purchases, with the bank, app or rule first and what a victim can claim and by when.