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Contact your bank or credit union immediately and dispute the specific transfer. Give its date, amount, and recipient if known; ask the institution to secure your account and investigate. If the transfer is pending, ask whether it can be stopped. If it was a bank wire, ask right away whether it can be recalled or reversed. Recovery is not guaranteed, and the legal outcome depends on the account, payment method, access arrangement, and authority you gave the agent.
What should I do first?
- Call the bank or credit union through an official channel. Use the number on your card or statement, or the institution’s official app or website. Identify the transaction and clearly say you are disputing it as unauthorized. Ask for a case number, whether it is pending or complete, and what the institution can do to stop or recover it. The FTC advises people who sent a fraudulent bank wire to ask the bank whether it can reverse it; that is a request, not a promise of recovery.
- Ask how to secure the account. Find out whether the institution recommends blocking transfers, replacing a card or other exposed access device, changing credentials, or taking other steps. Change relevant passwords through the official app or website, and revoke the agent’s access. If you can do so without delaying the bank report, preserve the agent’s permissions, instructions, activity logs, and configuration before changing or deleting them.
- Keep a record and follow the institution’s notice requirements. Save transaction details, messages, screenshots, the bank’s case number, and notes about when and with whom you spoke. Ask whether the bank requires written confirmation, what it must contain, and where to send it. For a covered Regulation E dispute, a bank may require written confirmation within 10 business days after oral notice, but it must begin investigating promptly and cannot wait for that confirmation to start.
- Check for related activity. Review recent transactions and statements, including transfers to other recipients. Report each suspicious transfer promptly; some reporting deadlines affect potential liability for later transactions.
- Ask for the investigation result and supporting information. For a covered electronic fund transfer dispute, request the institution’s findings and ask how to obtain the information it used to decide the case.
Does Regulation E cover this transfer?
Regulation E applies to covered electronic fund transfers involving consumer accounts; it does not automatically cover every payment or every account. The regulation defines an “unauthorized electronic fund transfer” as one initiated by someone other than the consumer, without the consumer’s actual authority, and from which the consumer receives no benefit (12 CFR § 1005.2(m)). Those are facts the institution may need to assess. The phrase “AI agent” by itself does not decide whether the transfer was authorized.
The authority question can be difficult when you deliberately connected an agent to an account. The CFPB’s Regulation E provisions address cases where a consumer furnishes an access device to someone and authorizes that person to make transfers: those transfers are generally excluded from the unauthorized-transfer definition unless the consumer tells the financial institution that the authority has ended. The cited rules do not specifically determine how an AI agent’s access, instructions, or limits fit that scenario. Explain exactly what you enabled, what limits or instructions you set, what the agent did, and whether you had told the institution that its authority ended. Do not assume that enabling access automatically authorizes every transfer, or that an agent’s mistake automatically makes a transfer unauthorized.
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When credentials may have been stolen or misused
If an intruder obtained credentials through a data breach or fraudulent inducement and initiated the transfer, that is different from a transfer made under authority you deliberately granted. CFPB Electronic Fund Transfers FAQs discuss fraudster-initiated electronic transfers, including certain peer-to-peer credit-push transfers. The CFPB says a bank must begin investigating after consumer notice; it cannot require the consumer to contact a merchant first. Report the suspected account compromise to the bank and describe what you know without guessing about how access was obtained.
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Account and payment method matter
| Situation | What to know | Immediate question |
|---|---|---|
| Consumer account; covered electronic fund transfer | Regulation E’s error-resolution and liability rules may apply, depending on the facts and transaction. | “Are you treating this as a Regulation E error, and what notice or written confirmation do you require?” |
| Bank wire | The FTC recommends reporting a fraudulent wire promptly and asking whether it can be reversed. Recovery is not assured, and a wire should not automatically be treated as a Regulation E transfer. | “Can you send a recall or reversal request now, and what information do you need?” |
| Business account | The consumer-account protections described here do not establish the rules for a business account. The applicable account terms and payment method matter. | “What dispute process and deadlines apply to this account and payment rail?” |
| Another payment method or international transfer | The legal and recovery process depends on the specific payment rail; the available official guidance does not establish one outcome for every type. | “Which team handles this payment type, and can the transfer still be stopped or recalled?” |
What if the transfer is still pending or already completed?
If it is pending
Ask the bank whether it can block, cancel, or hold the transfer before settlement. Give the transaction reference and recipient details if available. A pending status does not guarantee that the institution can stop it, so make the request immediately.
If it is a completed bank wire
Ask the bank to send a recall or reversal request as soon as possible and to tell you what information it needs. The FTC’s guidance is to ask whether the bank can reverse a fraudulent wire and return the funds; it does not promise the receiving institution or recipient will return them.
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If another electronic transfer is complete
Dispute it with the institution that holds the account as soon as you discover it. Ask whether the payment can be recalled and whether a Regulation E error-resolution process applies. Do not wait to contact the bank while trying to resolve the matter with a recipient or merchant; for covered disputes, CFPB guidance says the institution must begin investigating on notice.
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Regulation E has different timing rules for different circumstances. The limits below apply only where the relevant Regulation E requirements and facts are present; they are not a blanket guarantee of reimbursement.
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- Lost or stolen access device: If you notify the institution within two business days after learning of the loss or theft, potential liability is generally limited to the lesser of $50 or the amount of unauthorized transfers made before notice. If notice comes later, liability may be as much as $500 plus certain transfers made before notice, subject to the rule’s conditions.
- Unauthorized transfer shown on a periodic statement: Report it within 60 days after the institution sends the statement. Missing that period can expose you to later transfers that the institution establishes would not have occurred if you had given timely notice.
- No lost or stolen access device: The first two liability tiers described above do not apply in the same way. Report the transfer promptly and ask the institution how the rule applies to your facts.
These deadlines are not a reason to delay: notify the institution as soon as you discover a transfer you did not authorize.
How long can a covered investigation take?
For a covered Regulation E dispute, the institution generally must investigate promptly and determine whether an error occurred within 10 business days. If it needs longer, it can generally take up to 45 days by providing provisional credit within 10 business days, subject to exceptions, including certain transaction types and failure to provide requested written confirmation. Provisional credit is conditional, not a final finding or a promise that the money will remain credited.
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After completing its investigation, the institution generally must report its findings within three business days. If it determines an error occurred, it generally must correct it within one business day. You may request the information the institution used to reach its decision.
What to tell the bank about the AI agent
Give a factual account that separates what you know from what you suspect. For example, identify the agent or service, how it was connected to the account, what permissions and instructions you gave it, what transfer you intended (if any), and what actually happened. Say whether you recognize the recipient, whether the agent may have followed a misunderstood instruction, and whether you suspect another person accessed the account. Preserve relevant records and do not alter them to make the event appear more or less authorized.
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There is no special AI-agent rule established by the official consumer sources cited here. The institution’s assessment may turn on the payment rail, whether the account is a consumer account, who initiated the transfer, whether the agent had actual authority, what access you gave it, and whether you received a benefit.
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