[toomuchtodo]

Regulation E applies to FedNow instant payments as it applies to payer recourse.

https://www.wolterskluwer.com/en/expert-insights/navigating-...

https://www.consumerfinance.gov/rules-policy/regulations/100...

[lxgr]

Only for unauthorized payments, i.e. for transactions you did not consent to.

This does not cover products/services not received at an online merchant, for example, just like how you can’t retroactively cancel a check. Cards do allow chargebacks in this situation.