A shibboleth for dealing with banks: if you ever have a problem with a transaction, get the words “Regulation E” into your description. You will find they listen much more attentively at that point.
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Saying Regulation E doesn’t magically cause a state machine to spring into action, but it puts the bank on notice that you are aware of the state machine already in action, and people who know that bit of trivia are probabalistically dangerous people to put in Fob Off.
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Have a good site for reference on that? Reading through the federal guidelines and getting "electronic money related" as a really patchy TL;DR out of it.
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