Blog
Dispute strategy, compliance updates, and operational guidance from the APS team.
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Visa VAMP Compliance: What the October 24 Rule Change Means for Card Programs
VAMP counts fraud and disputes as one number, and Visa’s October 24 change raises the stakes. Here’s why the reason code you…
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Your Reg E Deadlines Are Fine. Your Resolution Letters Might Not Be.
Your dispute team hits every Reg E deadline. That’s not the same as being compliant. Recent Federal Reserve examination findings on Reg…
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Regulation E and Regulation Z Disputes Run on Different Clocks. Most Platforms Only Know One.
Regulation E and Regulation Z govern disputes differently — different timelines, different documentation, different rules. Most dispute management software was built for…
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ACH Disputes Follow Different Rules — Are You Ready?
ACH disputes operate under NACHA rules with return deadlines, entry codes, and dispute classifications that differ meaningfully from card disputes. Teams that…
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Scaling Dispute Operations Without Scaling Headcount
Volume grows. Programs expand. Fraud patterns shift. The institutions that handle this without proportional headcount increases have one thing in common: they…
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Provisional Credit: The Riskiest Moment in Every Dispute
Provisional credit decisions must be made quickly, timelines are strict, and mistakes — both over-crediting and under-crediting — carry real financial and…
