Fraud Reimbursement & Zelle Liability Rule Watch

Why this is recommended

A bank that started reimbursing imposter scams, a settlement that pays victims of a specific fraud, a 60-day dispute window the member did not know was running, or an FTC refund program for a company that took their money are each real money back, and the rules differ by bank and change by the month.

What the Tab covers

Who it is for

The 10 million Americans scammed each year and every parent whose kid just sent $800 to the wrong Zelle.

When it runs

Regulators and banks announce reimbursement policy changes mid-week; victims need the rule the day it matters

Scope

Zelle and Early Warning, Venmo, Cash App, PayPal, Apple Cash, Google Pay, Wise and the 25 largest banks' reimbursement policies for unauthorized and induced transfers; Regulation E, CFPB guidance and enforcement; state scam reimbursement laws; class actions and settlements; wire recall, ACH reversal and transfer hold rules; dispute timelines; FTC and state refund programs from enforcement cases; crypto exchange and gift card issuer recovery rules; card network chargeback rules for scam purchases

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

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.

Track money recovery after fraud for US consumers. Report only confirmed, source-backed items from the last 7 days: reimbursement policy changes for unauthorized and scam-induced transfers at Zelle and Early Warning, Venmo, Cash App, PayPal, Apple Cash, Google Pay, Wise and the 25 largest banks; Regulation E guidance, CFPB and state enforcement and rule changes; state scam reimbursement laws passed or taking effect; class actions and settlements paying scam victims with claims deadlines; wire recall, ACH reversal and transfer hold rule changes; bank dispute process and timeline changes; FTC and state attorney general refund programs from enforcement cases with the company named; crypto exchange and gift card issuer recovery rule changes; and card network chargeback rule changes for scam purchases. Prefer the CFPB, FTC, state attorneys general, bank and app policy pages, court documents and established consumer reporting; ignore unverified victim posts, and never promise a specific outcome. Put the bank, app or rule first in the title and state what a victim can claim and by when. Use high severity for a reimbursement policy change at a top-10 bank or Zelle, a settlement with a claims deadline, or an FTC refund program over $10 million. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who qualifies, how to claim, the deadline, and the source link. If nothing qualifies, push nothing and submit the run receipt.