Reg E — EFTA Error Resolution (12 CFR 1005.11) — 75% covered.

4 requirements · 3 enforced · 0 designed · 0 advisory · 0 deferred.

Source: The Electronic Fund Transfer Act and Regulation E (12 CFR Part 1005) govern error resolution for electronic fund transfers in the United States. §1005.11 requires a financial institution to investigate an alleged error, provisionally credit the consumer within statutory deadlines, determine whether an error occurred, and provide a written explanation when it determines no error occurred. KYE Protocol™ governs whether a refund / provisional credit / error determination in the dispute flow may PROCEED — under a named owner's recorded authority, with the transaction evidence captured as evidence events at transaction time, with a signed Evidence Pack, and a recorded contestable determination. KYE does not adjudicate whether an error in fact occurred, decide whether to fight a dispute, or do fraud scoring. · License: Regulation E (12 CFR Part 1005) is a US government work in the public domain; the KYE registry paraphrases each requirement's intent and cites the official section identifier for mapping purposes only.

By category

Category	Reqs	Enforced	Coverage
Named-authority on the provisional credit / refund action	1	1	100%
Investigation evidence record captured at transaction time	1	1	100%
Contestability & written-determination reconstruction	1	1	100%
Substantive error adjudication on the merits	1	0	0%

Every requirement → the KYE™ artefact that enforces it

ID	Title	Status	KYE™ enforcement
`reg-e.provisional-credit-authority`	A provisional credit / refund in the error-resolution flow proceeds only under a recorded named-authority decision	enforced	audit_events: `kye.purpose.request.v1`, `kye.purpose.admissibility.v1`, `kye.evidence.decision_map.v1` engines: `internal`, `internal` rule_packs: `kye:rule-pack:chargeback-evidence` dictionaries: `internal` constitution_refs: `constitution/12-PURPOSE-PERMISSION.md`
`reg-e.investigation-evidence-record`	The error-resolution investigation rests on an evidence trail captured at transaction time	enforced	audit_events: `kye.evidence.decision_map.v1`, `kye.evidence.pack.v1` engines: `internal` rule_packs: `kye:rule-pack:chargeback-evidence` constitution_refs: `constitution/13-RESILIENCE-LOOP.md`
`reg-e.error-determination-contestability`	Contestability & reconstruction of the error determination and the written explanation	enforced	audit_events: `kye.evidence.pack.v1`, `kye.replay.context_seal.v1`, `kye.replay.proof.v1` engines: `internal`, `internal` rule_packs: `kye:rule-pack:chargeback-evidence` constitution_refs: `constitution/13-RESILIENCE-LOOP.md`, `constitution/21-DELEGATED-AUDITABILITY.md`
`reg-e.substantive-error-adjudication`	Substantive adjudication of whether an unauthorized EFT or error in fact occurred	out-of-scope	(no enforcement cited)