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Regulation II

Updated on June 14, 2023

This document provides an overview of Federal Regulation II (hereinafter referred to as Reg II) which applies to US debit card issuers. The Reg II functionality developed for Pega Smart Dispute helps Issuers to identify and process cross-network card-not-present debit card transactions in the US.

This document describes the functionality that is released as the first Minimum Lovable Product (MLP 1) of our planned support for Reg II. The functionality will be expanded and enhanced as the regulation matures and as the card networks make automated processing pathways available.

Intended audience

This guide is intended for users of Pega Smart Dispute for Issuers who issue debit cards in the US.

  • Business Process Managers who are responsible for evaluating solutions and specifying the configurations that are necessitated by bank policies and priorities. These managers possess a general, non-technical understanding of the features and capabilities of the application and are responsible for how the solution will be used.
  • Project Managers and Business Architects who implement solutions that satisfy specific business requirements, ensure regulatory compliance and drive continuous improvement across the organization.
  • System Architects and Application Developers who build, maintain, modify, and extend the solution according to the requirements elaborated by the Business Architect. Their technical skills complement the business acumen and experience of business architects on the implementation project team.
  • System and Database Administrators who are responsible for installation, security, and ongoing operational functions of the application, such as access, tuning, and troubleshooting. It is assumed that they have experience with system operations.

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