> banks typically offer stronger
That's irrelevant since banks can change their ToS.
But if you have a link to the federal law/regulation please share.
lets see what ftc.gov has to say about it
https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-mon...
oh what's that, there are federal protections surrounding debit cards?
imagine going into this conversation actually knowing what you're talking about.
/inb4 "I did some quick googling, let me explain how I'm going to try and change my argument to save face"
https://news.ycombinator.com/newsguidelines.html
However, I appreciate the CFPB link. Having worked in fintech I'm familiar with them.
The link does corroborate that debit card protections are weaker than credit card protections. They have with more aggressive reporting requirements (2 days) and higher potential liability ($500, or even as much as the full amount in some circumstances, though unlikely).
This document has a handy table that compares the protections side by side. As you can see, debit card protections are weaker. Scroll down to the table "Federal Protections for Unauthorized Transactions":
https://www.experian.com/blogs/ask-experian/are-credit-cards...
between 2 days and 60. read it closer.
this is called backpedaling, as I predicted. we've now gone from "prove debit cards have federal protections!" to "but but but ... they're different!".
they're protected mr fintech family who had no idea.