CMCCMC-Disputes-2026-07v1 · 1 Jan 2027

Customer liability in fraudulent electronic banking transactions

Owner Disputes & Fraud · Approver CARO

§4 Zero liability and shadow reversal

From 1 Jan 2027: zero liability for third-party breach reported within 5 calendar days; shadow reversal on the card within 5 calendar days, value-dated to the transaction date; resolution within 45 days domestic / 60 cross-border.