2018 - Handling Consumer ACH Disputes: Advanced ACH Sticky Situations

Introduction
Where Regulation E doesn’t align with the ACH Rules
Who each is written for
Regulation E “Notice” requirements vs. ACH Rules return requirements
What to do when a customer/member won’t complete a WSUD
State laws
60 day in-network returns vs. state statute of limitations
State consumer protection laws
Stop Payments – before and after the payment posts
Revoked Authorization
Unauthorized
Consumer account
With consumer SEC
With business SEC
Business account
With consumer SEC
With business SEC
What to do when a customer/member won’t complete a WSUD as required by the ACH Returns
In-network vs. out-of-network returns
Documenting claims
Sticky situation case studies
Statements and actions that increase an institutions liability
Documenting & reporting claims
True / False Scenarios