Regulation E and the Rise of P2P Payments: What Every Financial Institution Must Know

Event Description

As peer-to-peer (P2P) payment platforms like Zelle, Venmo, and Cash App continue to dominate the digital landscape, financial institutions face growing compliance and operational risks under Regulation E. From unauthorized transfers to consumer error disputes, institutions must navigate complex expectations around error resolution, liability, and customer protections — all while balancing fraud prevention and customer experience.

This timely webinar will unpack the regulatory obligations imposed by Regulation E in the P2P environment, including recent CFPB guidance and enforcement trends. Participants will gain clarity on how to apply Regulation E definitions to fast-moving payment technologies and leave with actionable strategies for updating policies, training frontline staff, and mitigating risk.

Key Takeaways:

• Understand which P2P transactions are covered by Regulation E and how “unauthorized” transfers are defined.

• Learn how to handle disputes, error resolution timelines, and provisional credit requirements.

• Review recent CFPB guidance on P2P fraud — including when banks are liable vs. when consumers are.

• Explore the compliance challenges of Zelle and other real-time payment platforms.

• Get practical recommendations for updating disclosures, procedures, and employee training.