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Course description

Your examiner expects you to comply with Reg E, but your issuer contract requires that you comply with VISA/MasterCard Operating Rules, when applicable. Often these do not agree, which can appear to be a no-win scenario for the institution. Misstep in one direction and the regulators are handing out UDAAP citations and fines. Make a wrong move in the other and VISA/MasterCard threatens non-compliance fines or the suspension of the card program. In addition, debit card requirements are sprinkled into several regulations other than Reg E and can easily be overlooked.

Besides worrying about how to comply with card rules and regulations governing issued cards, institutions must also concern themselves with the rules regarding cards that they acquire in the form of cash advances. Failure to comply with VISA/MasterCard procedures here won’t result in fines, but can lead to substantial fraud losses. In addition, Chip Liability Shift could impact who is responsible for counterfeit transactions. Familiarity with the requirements both as an issuer and as an acquirer are key to mitigating your risk.

Many institutions struggle with Reg E investigations. How deep do we have to dig and when do we have enough information to deny a claim? We will cover interview techniques and key red flags that can be considered when investigating a claim.

The account data breaches that have been in the news have all been related to merchants and data security failures. However, compliance is the responsibility of card issuers as well as acquirers. Learn what your institution should and shouldn’t be doing with your card data and the consequences for non-compliance.

In this webinar Brian will lead you through the maze of debit card topics:

  • Reg E liability and investigation procedures
  • Recent UDAAP citations relating Reg E
  • VISA/MasterCard Zero Liability
  • Processing cash advances for VISA/MasterCard
  • Loan payment and loan origination fee processing
  • Reg E - courtesy overdrafts and the opt-in
  • Reg E - gift card Issuance
  • Reg Z as it relates to debit card disputes
  • Reg II - network exclusivity requirements
  • Reg DD - balance disclosure requirements
  • Reg GG - blocking internet gambling purchases
  • FCRA - identity theft red flags and card issuance
  • Card data security
  • BSA/AML - requirements for general purpose reloadable cards

This program will benefit compliance officers, auditors, and operations staff with any responsibilities in the debit card arena. It will focus on the rules and regulations governing debit card programs and will not cover VISA/MasterCard chargeback procedures.


Brian Crow

Brian Crow, CAMS is Managing Partner & Co-President at Thomas Compliance Associates, Inc. in Chicago, IL. Brian’s passion for and skill in protecting bank assets from fraud and compliance losses have earned him the nickname “Security Evangelist.” In addition to developing and guiding the strategic vision for TCA, Brian delivers focused educational support to clients and helps them manage TCA’s suite of consulting, audit, and training services. He is a nationally recognized expert on BSA/AML and deposit compliance and is a regular speaker at the annual BSA/AML Top Gun Conference. As an education consultant for the Glia Group BOL Learning Connect program, Brian conducts webinars on topics like VISA/MasterCard chargebacks, debit card compliance, and fraud prevention. For this work, he was recognized as a Bankers Online Guru in 2011. “Bach to Spock” could characterize his interests outside work. Music has been a lifelong passion, and Brian is the organist and handbell director for King of Glory Lutheran Church in Elgin, Illinois. And as a devoted Trekkie, he can hold my own with anyone in a Star Trek trivia match.

Course curriculum

  • 1


    • Debit Card Compliance Maze

  • 2


    • Materials

    • Slides

    • Questions and Answers