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This bill amends the Electronic Fund Transfer Act to treat fraudulently induced electronic fund transfers the same as unauthorized transfers, expanding consumer protections for payment scams. It redefines key terms to include transfers where a consumer was fraudulently tricked into authorizing them, expands the definition of errors to include certain account access issues and undelivered goods, and shifts liability for fraudulent transfers to financial institutions. The bill also establishes a shared liability framework where the institution holding the consumer's account and the receiving institution split losses from fraudulent transfers, with potential additional liability for institutions that materially support other financial institutions in processing transfers.
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