Is regulation E new (in the past decade)? I had a fraud related issue on Simple.com about 10 years back where Kroger decided to keep erratically billing my debit card up until it hit $1000 (I went in and spent probably $20 and their payments system seemed to just go haywire) and I asked their support for help. It took a month to get money back. That was my final straw with debit cards.