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A free scan shows the junk files, broken settings and background clutter dragging Windows down - then fixes them in one click.Free scan · Windows 10 & 11If you spot an electronic transfer from your U.S. consumer bank account that you did not make or authorize, contact your bank or credit union promptly through an official channel and clearly identify the transaction as unauthorized. Keep a record of your notice. Two different reporting deadlines can affect liability, and the bank generally must investigate under the federal Electronic Fund Transfer Act and Regulation E.
How do you report an unauthorized bank transaction?
- Contact the institution through a known official channel. Use the number on your card, the bank’s official app or website, or another contact method it provides. Regulation E recognizes notice given by reasonable steps in person, by phone, or in writing.
- Identify the transaction clearly. State that you did not make or authorize it, and provide the date, amount, and other transaction details you know. Ask how to secure the affected card or account and how to provide any required follow-up notice.
- Keep a record. Note when and how you contacted the institution, whom you spoke with if known, what you reported, and any case number or requested follow-up. Save relevant statements, transaction details, and messages.
- Follow up in writing if useful or requested. If you first gave notice orally, ask whether the institution requires written confirmation and how to submit it. In specified circumstances, it may require written confirmation within 10 business days after oral notice.
Notice is effective when you take reasonable steps to provide the pertinent information; it does not depend on a particular employee having received it. The 10-business-day written-confirmation rule is separate: if the institution requests confirmation after oral notice, failing to provide it may affect the investigation-period protections.
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Which reporting deadline applies?
Regulation E has separate timing rules for a lost or stolen access device and for an unauthorized transfer shown on a periodic statement. The applicable facts matter; neither deadline is a blanket promise of reimbursement.
| Situation | Timing | Potential effect |
|---|---|---|
| You learn that a debit card or other access device was lost or stolen | Report within two business days after learning of the loss or theft | Liability for unauthorized transfers before notice is generally limited to the lesser of $50 or the amount transferred before notice, subject to the rule’s conditions. (CFPB consumer guidance, 2026; Regulation E § 1005.6) |
| You report a lost or stolen access device after the first two business days | Report as soon as possible | A later-notice tier may generally cap liability at $500, subject to the rule’s conditions. (CFPB consumer guidance, 2026; Regulation E § 1005.6) |
| An unauthorized transfer appears on a periodic statement | Notify the institution within 60 days after it sent the statement | Timely notice avoids potential liability for qualifying later unauthorized transfers. If notice is late, you may be liable for qualifying transfers after that 60-day period and before notice; the access-device rules can also affect earlier transfers. (CFPB consumer guidance, 2026; Regulation E § 1005.6) |
The regulation requires a reasonable extension when an extenuating circumstance, such as extended travel or hospitalization, caused the delay. Because the rules can interact, report the transaction as soon as you discover it rather than relying on the last possible day.
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What happens after you dispute the transfer?
For a covered electronic fund transfer error notice, the institution generally must investigate promptly and complete its initial investigation within 10 business days. The CFPB’s consumer guidance notes a 20-business-day initial period for an account open less than 30 days.
If the institution needs longer, it generally must provisionally credit the disputed amount within the applicable initial period, notify you of the credit, and let you use the funds while it continues investigating. Provisional credit is interim, not a final decision that fraud occurred. Specified exceptions apply, including a failure to provide requested written confirmation within 10 business days after oral notice.
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| Investigation milestone | General timing | Qualification |
|---|---|---|
| Complete the initial investigation | 10 business days | For an account open less than 30 days, CFPB consumer guidance notes an initial period of 20 business days. (CFPB consumer guidance, 2026; Regulation E § 1005.11) |
| Complete an extended investigation | Usually up to 45 days | Specified cases can allow up to 90 days, including transfers initiated outside a state, point-of-sale debit-card transactions, or transfers within 30 days after the first deposit to the account. Conditions for extending the investigation apply. (CFPB consumer guidance, 2026; Regulation E § 1005.11) |
| Correct an error once the institution determines one occurred | One business day | The institution must also report its findings within three business days after completing the investigation. (CFPB consumer guidance, 2026; Regulation E § 1005.11) |
Can a bank require a police report before investigating?
No. A police report is not a prerequisite to starting a Regulation E error investigation. CFPB guidance says the institution may not delay initiating or completing its investigation while waiting for a police report or other requested consumer documentation. You can still provide relevant documents that support your account of what happened, but do not wait to report the transfer while obtaining them.
What counts as an unauthorized electronic transfer?
Under Regulation E, an unauthorized electronic fund transfer is generally one initiated by someone other than the consumer, without actual authority, and from which the consumer receives no benefit. CFPB examples include a fraudster using credentials stolen through hacking and a transfer made after credentials were obtained through fraudulent inducement. Whether a particular transfer qualifies depends on the facts about authorization and benefit.
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This article concerns U.S. consumer electronic fund transfers covered by Regulation E, including debit-card and certain account-to-account activity. Do not apply these rules automatically to credit-card billing disputes, checks, business accounts, every remittance, or accounts outside the United States.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What if the bank denies your dispute?
Ask promptly for the information the institution relied on. CFPB consumer guidance says you can request it and the institution must send it promptly. If the bank provisionally credited the funds and later determines no error occurred, it must give you written notice before removing that credit.
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If you cannot resolve the issue with the institution, you can consider submitting a complaint through the Consumer Financial Protection Bureau’s complaint portal. Which additional regulator is appropriate depends on the institution and the issue.
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