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

Spencer Fane LLP
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