Q: On Regulation E error investigations, does a customer have to be given provisional credit if the investigation is conducted within the first day of the dispute and proven the customer is liable for the purchases?
A: You’re required to provide provisional credit if an investigation under Regulation E 1005.11 extends beyond ten days. https://www.ecfr.gov/current/title-12/chapter-X/part-1005#p-1005.11(c)(2) So, if you’re resolving your investigation and issuing findings before that deadline then there is no need for provisional credit under the Regulation.
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