The 60-day rule can be applied to claims in which recurring transactions are being disputed.
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| Regulation | Deny Scenario | Notes |
|---|---|---|
| Regulation E | Non-fraud (Cancelled Recurring) | Date of first transaction: Transactions taking place after XX/XX/XXXX are being denied as out of time frame: (Transactions denied). |
| Regulation E | Fraud | Date of first transaction: Transactions taking place after XX/XX/XXXX are being denied as out of time frame: (Transactions denied). |
| Regulation Z | Non-fraud | Date of first transaction: (Transaction ID) All transactions reported after (DATE) that do not have recovery rights will be denied. |
| Regulation Z | Fraud | The 60-day Rule does not apply, therefore, no notes required for the 60-day Rule. Notes will be made based on the fraud investigation. |
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| Scenario | Next steps |
|---|---|
| The recurring charges are under limit. | Pay the transactions that are covered by the 60-day rule and deny the charges that aren't covered using the Past Timeframe reason. |
| The recurring charges are over limit. | Pay the transactions that are covered by the 60-day rule and grant provisional credit to the other transactions that have chargeback rights. Deny charges that don't have rights. |
| The member is disputing recurring charges from the same merchant on two separate cards and two individual claims. | Apply the 60-day rule to each claim independently of each other. |
| The first recurring charge is over a year old. | Anything over a year old is not covered. |
| The dispute reason is not covered by regulation. | Were there transactions reported more than 60 days after the statement date on which the first disputed transaction appears? If If there are chargeback rights, issue PC and process recovery. |