Reg E — EFTA Error Resolution (12 CFR 1005.11)

Reg E — EFTA Error Resolution (12 CFR 1005.11) — 100% of in-scope requirements covered.

4 requirements · 3 in scope (3 enforced) · 1 out-of-scope (outside KYE™’s authority layer). The 100% is weighted over the in-scope base.

Reg E: requirement → the KYE™ artefact that enforces it

Demo data

You learn: Which requirements KYE™ enforces at runtime and with which artefact. You can: Walk the requirements.

  1. provisional-credit-authority · enforced

    A provisional credit / refund in the error-resolution flow proceeds only under a recorded named-authority…

    Audit events: kye.purpose.request.v1, kye.purpose.admissibility.v1, kye.evidence.decision_map.v1 · Rule packs: kye:rule-pack:chargeback-evidence · Constitution: 12 purpose permission

  2. investigation-evidence-record · enforced

    The error-resolution investigation rests on an evidence trail captured at transaction time

    Audit events: kye.evidence.decision_map.v1, kye.evidence.pack.v1 · Rule packs: kye:rule-pack:chargeback-evidence · Constitution: 13 resilience loop

  3. error-determination-contestability · enforced

    Contestability & reconstruction of the error determination and the written explanation

    Audit events: kye.evidence.pack.v1, kye.replay.context_seal.v1, kye.replay.proof.v1 · Rule packs: kye:rule-pack:chargeback-evidence · Constitution: 13 resilience loop, 21 delegated auditability

  4. substantive-error-adjudication · out-of-scope

    Substantive adjudication of whether an unauthorized EFT or error in fact occurred

    (no enforcement cited)

How this widget is built
Demonstrates
KYE™ Compliance Mapping Rail™
Components
  • Framework requirement (clause)
  • Coverage status
  • KYE™ enforcement artefact (event, decision-record field, Evidence Pack™ entry)
Flow
Clause → status → the KYE™ artefact that enforces it, enforced requirements first. Architecture diagram
Used on

Source: The Electronic Fund Transfer Act and Regulation E (12 CFR Part 1005) govern error resolution for electronic fund transfers in the United States. §1005.11 requires a financial institution to investigate an alleged error, provisionally credit the consumer within statutory deadlines, determine whether an error occurred, and provide a written explanation when it determines no error occurred. KYE Protocol™ governs whether a refund / provisional credit / error determination in the dispute flow may PROCEED — under a named owner's recorded authority, with the transaction evidence captured as evidence events at transaction time, with a signed Evidence Pack™, and a recorded contestable determination. KYE™ does not adjudicate whether an error in fact occurred, decide whether to fight a dispute, or do fraud scoring. · License: Regulation E (12 CFR Part 1005) is a US government work in the public domain; the KYE™ registry paraphrases each requirement's intent and cites the official section identifier for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
Named-authority on the provisional credit / refund action11000100%
Investigation evidence record captured at transaction time11000100%
Contestability & written-determination reconstruction11000100%
Substantive error adjudication on the merits100000%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
reg-e.provisional-credit-authorityA provisional credit / refund in the error-resolution flow proceeds only under a recorded named-authority decisionenforcedaudit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1, kye.evidence.decision_map.v1
engines: internal, internal
rule_packs: kye:rule-pack:chargeback-evidence
dictionaries: internal
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
reg-e.investigation-evidence-recordThe error-resolution investigation rests on an evidence trail captured at transaction timeenforcedaudit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
engines: internal
rule_packs: kye:rule-pack:chargeback-evidence
constitution_refs: constitution/13-RESILIENCE-LOOP.md
reg-e.error-determination-contestabilityContestability & reconstruction of the error determination and the written explanationenforcedaudit_events: kye.evidence.pack.v1, kye.replay.context_seal.v1, kye.replay.proof.v1
engines: internal, internal
rule_packs: kye:rule-pack:chargeback-evidence
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/21-DELEGATED-AUDITABILITY.md
reg-e.substantive-error-adjudicationSubstantive adjudication of whether an unauthorized EFT or error in fact occurredout-of-scope(no enforcement cited)

Canonical KYE™ surfaces referenced on this page: Evidence Pack™ · KYE Protocol™.