Provisional Credit Under Reg E: Rules, Best Practices & FAQs

Frontline & New Accounts Information Technology Operations Security & Fraud Deposit Account Compliance Fraud

On-Demand Webinar

StreamedSep 15, 2025Duration90 minutes

Unlimited & shareable access starting two business days after live stream
Available on desktop, mobile & tablet devices 24/7
Take-away toolkit
Ability to download webinar video
Presenter's contact info for questions

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Reg E is designed to protect consumers.

If there is an unauthorized EFT, your institution must investigate and, in some cases, provide provisional credit. This session will explain how to assess whether your institution is required to grant provisional credit – and if so, how much.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

Understand what constitutes an “unauthorized” transaction for purposes of provisional credit
Distinguish between what you can and can’t require of the consumer before providing provisional credit
Explain the specific deadlines for completing an investigation and for providing provisional credit
Determine the proper dollar amount of provisional credit that is required by Reg E
Use the best practices for providing provisional credit under Reg E

Webinar Details

Regulation E protects consumers from unauthorized electronic fund transfers (EFTs) by requiring your institution to investigate alleged unauthorized EFTs and to provide provisional credit to accountholders within specific deadlines. Did you know that your institution is obligated to conduct an investigation even when your accountholder won’t cooperate? Did you know your institution is obligated to provide provisional credit within the standard deadlines even if you haven’t received sufficient investigative information from your core processor? Conversely, did you know you aren’t required to provide provisional credit if the accountholder won’t sign a simple written statement regarding the alleged unauthorized EFT? This webinar will explain how to determine when your institution is required to provide provisional credit and in what amount.

WHO SHOULD ATTEND?

This informative session will be useful to all deposit personnel, tellers, service representatives, new accounts personnel, account officers, managers, auditors, attorneys, and compliance personnel.

TAKE-AWAY TOOLKIT

Detailed sample form of investigation procedures, including specific deadlines for providing provisional credit
Easy-to-follow matrix to determine the dollar amount of provisional credit
Employee training log
Interactive quiz
PDF of slides and speaker’s contact info for follow-up questions
Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.