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Government regulatory compliance

Updated on June 12, 2022

Pega Smart Dispute for Issuers includes eligibility rules, SLAs and processing rules for various government consumer regulations.

Pega Smart Dispute for Issuers

Regulation Z (Truth in Lending)

The application stores notification SLAs for US Regulation Z and holds cases open after chargebackIdispute submission until the Regulation Z finality date as specified by the regulation. Once finality has been reached, cases can automatically close with appropriate customer notification. If a case has post-chargeback processing in flight, Pega Smart Dispute for Issuers prevents further customer accounting entries per the regulation.

Regulation E (Electronic Funds Transfer Act)

Pega Smart Dispute for Issuers supports eligibility and notification requirements for Regulation E, including provisional credit, finality SLAs and rules to reverse provisional credit.

Section 75 (Applicable for UK credit cards)

Section 75 is a regulatory rule in the United Kingdom that requires issuers to review certain disputed transactions and ensure that the cardholder receives full credit for the actual purchase cost of merchandise or services in certain scenarios. For more information on Section 75 implementation within Smart dispute, refer to Section 75 Implementation guide.

Canada Regulation C-86 (consumer protection bill)

C-86 is applicable for credit cards issued in Canada. Per the C-86 regulations, a cardholder cannot be made liable for more than 50 CAD for fraud/unauthorized use reported on credit card unless the issuer can establish that the fraud was purely due to gross negligence on the part of the cardholder. In Pega Smart Dispute for Issuers, C-86 is a configurable feature which can be enabled by issuers. For more information on the C-86 implementation within Smart Dispute, refer to C86 Compliance.

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