As a system, when a claim is denied and the Deny Debit date is set the denial action should be counted as day 0. If a claim requires a reg e deny debit date of at least 5 business day, the reg E calculation will be 5 full business days + 1 calendar day to ensure the account holder has the funds for a full 5 business days.

1. When a dispute is denied, the denial action is counted as day 0. 
2. When a Reg E dispute is denied and provisional credit was previously issued...
   1. The PC reversal date displayed in the deny letter reflects the 5th full business day+ calendar day value set after the denial action.
3. If I deny a claim on _________(enter date of test), the deny debit date should be 5 business days + 1 calendar day from the test date.

Updated the Deny Debit Date calculation to ensure accountholders have full use of funds until the regulatory protected 5 business days. The new calculation counts the denial date as day 0 and the deny debit date will be set to 5business days+1 calendar day to ensure provisional credit is not debited before the end of the 5th business day.