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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 in payment scam cases. It redefines key terms to include transfers where a consumer was fraudulently tricked into authorizing them, and establishes that financial institutions must reimburse consumers for such transfers. The bill also creates a shared liability framework where the institution holding the consumer's account and the receiving institution split losses evenly, with potential additional liability for certain intermediary financial institutions.
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