Back
Regulation E — Debit Card Dispute Rights
Federal protections for unauthorized electronic fund transfers on US debit and prepaid cards.
Last updated: 2026-07-02
Key Regulation E timelines
Report unauthorized debit transactions within 60 days of the statement showing the error. Reporting within two business days of learning of the loss limits your liability to $50.
After 60 days, you may lose dispute rights for older transactions.
- •Within 2 days of discovery: up to $50 liability
- •After 2 days but within 60 days: up to $500 liability if you delay
- •After 60 days from statement: potential full loss on undetected transactions
Frequently asked questions
- Does Regulation E cover Zelle or Venmo?
- Authorized P2P payments are generally not covered. Unauthorized account access may be — contact your bank immediately.