Error definition & intake
Every claim is classified against the six statutory error categories (unauthorized EFT, incorrect amount, omitted transfer, etc.) — misclassification blocks release.
The most rigorous §1005.11 dispute pack a credit union can send.
Reg E Dispute Resolution & Recovery Engine assembles a documentation-complete error-resolution pack — every statutory element, every required investigation step, the evidence log, the determination letter, and the network-recovery filing — checked against the letter of 12 CFR §1005.11 before a trained analyst releases it.
Every subsection of 12 CFR §1005.11Five statutory investigation elements, gate-checked10/45/90-day clock verificationAnalyst release on every pack5-business-day SLA
Why packs fail
A single missing element can trigger an exam finding.
A small FI's error-resolution process is only as strong as the investigation behind it. Miss one of the five statutory elements, skip a required evidence pull, mis-time the provisional-credit window, or fail to issue a compliant determination letter — and the dispute can result in regulatory action, member complaints, or chargeback write-offs.
Most small FIs handle this with 1–3 cross-trained staff who miss deadlines and letter-content requirements — exactly the failure modes examiners cited in 2024, frequently traced to 'third-party vendors lack[ing] effective procedures.'
Reg E Dispute Resolution & Recovery Engine exists to close that gap with a single, exhaustive standard applied identically to every file.
1 of 5
missing investigation elements is enough to jeopardize compliance
The benchmark
Measured against the letter of the regulation — subsection by subsection.
We do not summarize the law and hope. Every pack is scored against a versioned rule pack tied to the exact text of 12 CFR §1005.11. These are the provisions each pack is held to.
10-day investigation & provisional credit
The investigation clock is verified to start on intake; provisional credit (with full fund access) is issued within 10 business days or the pack flags the exception.
45-day extension & timely notice
If provisional credit is given, the 45-day extension window is computed deterministically; the required notice of extension is drafted and included.
Written determination letter
The letter includes the investigation result, the amount of any correction, and the explanation — all elements present, or the pack does not release.
90-day conclusion deadline
The final determination date is verified to fall within 90 business days of the complaint, computed deterministically — never estimated.
Evidence & network rules
Evidence log includes transaction data, member statements, merchant evidence, and Visa/Mastercard condition codes and filing windows — all resolved or exception-coded.
How a pack is built
Intake to analyst release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A trained analyst signs every release. That order is never reversed.
01
Error Gap Scan
Upload the dispute intake and transaction data. We return a free completeness read: which statutory elements and evidence you already have, and which are missing.
02
Evidence & network rule pull
As your authorized clerical agent, we pull transaction records, member statements, merchant evidence, and network rule conditions (Visa/Mastercard) and build the evidence log.
03
Grounded drafting
The investigation memo, determination letter, and network filings are drafted from your validated data and the §1005.11 rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
Intake classification matches the error definition; the 10/45/90-day clocks are verified; the evidence checklist is resolved; provisional credit is computed. Any failure blocks release.
05
Analyst release
A trained dispute analyst reviews the exception queue and signs the release. High-value or complex cases route to attorney review first.
06
Delivery
You receive the pack: investigation file, evidence log, determination letter, network-recovery filing, and the 10/45/90-day ICS calendar — ready for the FI to send under its own name.
The bar we hold
Rigor you can measure.
100%
Analyst-released
No pack ships without a human signature.
5 days
Standard SLA
From complete intake to released pack.
<1%
Critical-defect target
Tracked against a gold-standard pack library.
4
Evidence sources
Core system · card processor · merchant data · network rules, every applicable file.
Why Reg E Engine
Built to be the most thorough option a small FI has.
Documentation-complete, by design
The deliverable is completeness itself — every statutory element and evidence item accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a regulatory requirement.
In its lane, on purpose
We prepare documentation and run evidence pulls as your clerical agent. We never contact the member, give legal advice, or make final credit decisions.
Engagement
Flat fee, per released pack. No contingency, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any recovery.
- A free Error Gap Scan before you commit — see exactly what is missing.
- One flat fee per released Dispute Resolution & Recovery Pack; disclosed pass-through evidence costs.
- Optional fixed-fee attorney review for high-value or complex cases.
- Optional Chargeback Continuity Add-on for network filings and representment responses, pre-dated to your 10/45/90-day windows.
FAQ
Questions, answered precisely.
Is Reg E Engine a law firm?
No. Reg E Dispute Resolution & Recovery Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for high-value or complex disputes.
Do you contact the member or make credit decisions?
Never. Reg E Engine is not a debt collector and does not contact members or make final credit decisions. The FI remains the party responsible for all member communications and final determinations.
What makes a pack 'complete'?
Completeness is defined by the regulation: the six error categories properly classified, the 10/45/90-day clocks verified, the evidence log resolved or exception-coded, the determination letter containing all required elements, and network rules applied. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to an analyst-released pack. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per released pack, plus disclosed pass-through evidence costs. No contingency and no percentage of any recovered amount or sale proceeds.
See what's missing before it costs you an exam finding.
Start with a free Error Gap Scan. Send your dispute intake and transaction data and we'll return a completeness read against every subsection of 12 CFR §1005.11.
Documentation-completeness service · not legal advice · the FI sends every notice.