Chargeback Rules Changed: What It Means for Fraud Victims

Major changes to chargeback regulations came into effect in early 2026, affecting how consumers can dispute unauthorized or fraudulent transactions.

Key Changes

The new regulations extend the dispute window from 60 to 120 days for certain types of fraud, giving victims more time to identify and report unauthorized charges. Additionally, banks are now required to provide preliminary credits within 5 business days of a chargeback filing.

How This Helps You

These changes strengthen consumer protections and make it easier for professional recovery services to build stronger cases. At Citadel Asset Recovery, we've already updated our processes to take full advantage of these new rules.

What You Should Do

Review your recent statements carefully. If you've been hesitant to file a dispute because you thought the window had closed, the new rules may give you a second chance.