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Modifying Regulation E decision rules

Updated on March 21, 2023

Review the Regulation E (Reg E) rules to ensure that they are compliant with the bank's policies.

Pega Smart Dispute for Issuers Implementation Guide
  1. Click Dev StudioSmart Dispute ConfigurationsRegE.
  2. Use the Reg E control panel to review the following rules and modify them if necessary.
    Written Notification ( WrittenNotificationRequired )
    Used to configure the conditions in which a customer is required to provide written notification.
    Attestation criteria ( VerbalAttestationRequired )
    Can be used for extending the criteria under which attestation assignment is displayed.
    Immediate Provisional Check ( ImmediatePCAndDocCheck )
    Used for evaluating if provisional credit can be given can be given immediately at the time of case creation.
    RegE Eligibility Criteria ( RegEEligible )
    Used to check if dispute is eligible for Reg E processing.
    Deposit Account
    The When rule checks whether the account holder's primary address has a country code of US, and that the account type is checking or savings.
    Transaction Date
    The NoRegECreditDate data transform rule determines the date before which a transaction is not subject to Reg E processing. This is done by reading the account's statement cycle date, and calculating the first date of the second to the last statement. The IsRegECreditRequired When rule compares NoRegECreditDate to the transaction date to determine if the dispute is subject to Reg E requirements.
    Additional RegE eligibility notification ( IsEligibleForREGEPC )
    When rule used to configure additional criteria for giving provisional credit.
    Note: The PCAmountAvailable property rule is used to track whether or not the Provisional credit amount is available. A value of true is required to give Provisional Credit automatically. Similarly, the IsThirdPartyResNetworkEligible property is used to identify if the merchant is registered with a third-party dispute resolution network (for example, Verifi). A value of false for this property is required to ensure automatic provisional credit. Both of the properties are set in the SetPCAmtAvailable data transform rule.
    Note: If you are handling ACH disputes, check the setting of the written notification flag. The Written Notification flag is not checked during ACH flows because the customer is required to either verbally attest or send a written statement of unauthorized debit (WSUD). Disabling attestation makes WSUD mandatory.
  • Previous topic Configuring Regulation E requirements
  • Next topic Modifying Regulation E document receipt service-level agreement rules

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