Provisional Credit Under Reg E: Rules, Best Practices & FAQs

Date:

Sep 15, 2025

Register

Reg E is designed to protect consumers.

If there is an unauthorized EFT, your institution must investigate and, in some cases, provide provisional credit. This session will explain how to assess whether your institution is required to grant provisional credit – and if so, how much.

Agenda

September 15, 2025
11:00am - 12:30pm EST

Regulation E protects consumers from unauthorized electronic fund transfers (EFTs) by requiring your institution to investigate alleged unauthorized EFTs and to provide provisional credit to accountholders within specific deadlines. Did you know that your institution is obligated to conduct an investigation even when your accountholder won’t cooperate? Did you know your institution is obligated to provide provisional credit within the standard deadlines even if you haven’t received sufficient investigative information from your core processor? Conversely, did you know you aren’t required to provide provisional credit if the accountholder won’t sign a simple written statement regarding the alleged unauthorized EFT? This webinar will explain how to determine when your institution is required to provide provisional credit and in what amount.

Topics

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

  • Understand what constitutes an “unauthorized” transaction for purposes of provisional credit
  • Distinguish between what you can and can’t require of the consumer before providing provisional credit
  • Explain the specific deadlines for completing an investigation and for providing provisional credit
  • Determine the proper dollar amount of provisional credit that is required by Reg E
  • Use the best practices for providing provisional credit under Reg E
Speaker(s)

Shelli Clarkston
Spencer Fane LLP

Shelli Clarkston is an attorney with Spencer Fane LLP where she provides financial institutions with proactive legal counsel on regulatory and compliance matters. She received her law degrees from the University of Missouri – Kansas City and her undergraduate degree from the University of Nebraska – Lincoln. In addition, she has a master’s degree from Doane University.

Before joining Spencer Fane, Shelli was the Risk and Compliance Officer for a financial services technology platform with one of the world’s largest technology companies. She oversaw the platform’s regulatory compliance and handled all risk-related matters. She also has experience as general counsel for a community bank, where she managed all legal, regulatory, compliance, and corporate matters.

Additional Information

WHO SHOULD ATTEND?

This informative session will be useful to all deposit personnel, tellers, service representatives, new accounts personnel, account officers, managers, auditors, attorneys, and compliance personnel.

 

TAKE-AWAY TOOLKIT

  • Detailed sample form of investigation procedures, including specific deadlines for providing provisional credit
  • Easy-to-follow matrix to determine the dollar amount of provisional credit
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Fees

Live Webinar - $255

  • Unlimited connections for your institution
  • Available on desktop, mobile & tablet
  • Take-away toolkit
  • Presenter’s contact info for questions

On-Demand Webinar - $255

  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions

Live + On-Demand - $375

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

Association Contact

Katie Yates
Education Coordinator
o: 317-387-9380
d: 317-333-7162
kyates@indiana.bank