APP Fraud & P2P Scams: Managing Risk and Responsibility in Real-Time Payments

Event Description

As real-time payments through platforms like Zelle, Venmo, and Cash App become the norm, financial institutions face a growing wave of Authorized Push Payment (APP) fraud — where consumers are tricked into sending money themselves. Unlike traditional unauthorized transactions, APP fraud blurs the lines of liability, leaving institutions and regulators to grapple with who is responsible when fraud feels voluntary.

This webinar will unpack the mechanics of APP fraud and explore how peer-to-peer (P2P) scams are evolving across social, email, and mobile channels. We’ll review recent regulatory guidance, including CFPB expectations under Regulation E, and provide actionable strategies for prevention, customer education, and dispute handling.

Key Takeaways:

• Understand how APP fraud differs from unauthorized transactions — and why it’s harder to reverse.

• Explore the most common P2P scam typologies, from impersonation and romance scams to refund fraud.

• Learn what Regulation E requires when a consumer is deceived into initiating a transfer.

• Review recent CFPB interpretations and how they’re shifting expectations around liability and reimbursement.

• Discover practical ways to strengthen authentication, customer education, and fraud monitoring without disrupting the user experience.