I am reviewing error resolutions. When a customer claims and unauthorized ACH does the bank have to follow reg. E for error resolution???? The ACH department does not notify the customer with the results of the investigation because they say they are just reversing the debit.

I have not been able to find which ACH transactions do not come under Reg. E.

Thank you to anyone who can help me.

My understanding is that all ACH transactions would fall under Reg. E. except for businesses who aren't protected under Reg. E. Look under Alphabet Soup, Reg E 205.3(b) and you will see Direct Deposit and Withdrawal listed under the examples.