Managing Provisional Credit Under Reg E

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Regulation E sets forth the legal framework for investigating alleged unauthorized electronic fund transfers (EFTs) and providing provisional credit to accountholders within specific deadlines. Do you know that your institution is obligated to provide provisional credit even when an accountholder won’t file a police report or otherwise cooperate with you? However, your institution isn’t required to provide provisional credit if the accountholder won’t sign a simple written statement regarding the alleged unauthorized EFT. These nuances and other unique requirements of Reg E can be confusing. Join us to learn how to properly manage alleged unauthorized EFT investigations and provide provisional credit in compliance with Reg E.


  • Best practices for conducting a Reg E investigation
  • When must provisional credit be provided?
  • What can and cannot be required of the accountholder before giving provisional credit?
  • Specific deadlines for completing an investigation and providing provisional credit
  • How to determine the proper dollar amount of provisional credit required by Reg E


  • Detailed sample investigation procedures, including the deadlines for providing provisional credit
  • Easy-to-follow matrix to determine the provisional credit dollar amount
  • Employee training log
  • Quiz you can administer to measure staff learning and a separate answer key


This informative session will benefit all deposit personnel, tellers, service representatives, new accounts personnel, account officers, managers, auditors, and compliance staff.

Please note: The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, Spencer Fane LLP

Elizabeth Fast is a partner with Spencer Fane LLP where she specializes in the representation of financial institutions. Elizabeth is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions. She is a member of the Missouri State Banking Board by appointment of the Governor.

Originally recorded on August 30, 2018.

Recorded webinar is available until February 28, 2019.

Free Digital Copy included with purchase to download and view beyond link expiration date.

Price includes sales tax.