News & Information

ID theft info

Current Newsletter

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Change in MasterCard Zero Liability Rule

The following revisions to the MasterCard Zero Liability Rule are effective October 17th, 2014:

  • MasterCard $0 Liability for unauthorized transactions will apply to PIN-based ATM and POS transactions.

  • MasterCard will now impose a reporting duty on the cardholder.  To be covered by the $0 liability limitation under the revised rule, the cardholder must promptly report the loss or theft after becoming aware of it.

  • The new rule eliminates the $50 liability limitation that applies under the current MasterCard rule if the conditions for $0 liability aren't met (i.e. if the cardholder does not promptly report the loss).  Under Regulation E, the cardholder could have up to $500 liability if the loss is not reported within 2 days of discovery, or unlimited liability if the unauthorized transaction is not reported within 60 days of the unauthorized transaction being reported on a periodic statement.

Holiday Schedule 2018

January 1st New Year’s Day (Monday)

January 15, Martin Luther King, Jr., Day (Monday)

February 19, Presidents Day (Monday)

March 30, Good Friday (Friday)

May 28, Memorial Day (Monday)

July 4, Independence Day (Wednesday)

September 3, Labor Day (Monday)

October 8, Columbus Day (Monday)

November 12, Veterans Day (Monday)

November 22 & 23 Thanksgiving (Thursday & Friday)

December 24 & 25 Christmas (Monday & Tuesday)