Right to dispute errors notice with statements

Regulation E (Electronic Fund Transfer Act), 12 CFR 1005.11, requires financial institutions to maintain an error resolution procedure and to inform consumers of that procedure with every periodic statement. The Fair Credit Billing Act (FCBA) separately requires a 60-day dispute window disclosure on credit card statements. A transaction history page that shows charges without a dispute notice creates a misleading impression that users cannot challenge errors — and in the absence of a disclosed dispute window, regulators will infer the institution is concealing consumer rights. Institutions that omit this notice face CFPB enforcement and potential liability for undisclosed errors that go unresolved because users were not informed of their rights.

Render a dispute notice adjacent to every transaction list or account statement view. In app/account/statements/page.tsx:

// app/account/statements/page.tsx
<TransactionList transactions={transactions} />

<aside className="dispute-notice" role="note">
  <h3>Your Right to Dispute Errors</h3>
  <p>
    If you believe a transaction is an error or unauthorized, notify us within
    60 days of the statement date. Email disputes@yourfinserv.com or call
    (800) 555-1234. We will acknowledge your dispute within 10 business days
    and resolve it within 45 business days.
  </p>
</aside>

The notice must include a specific numeric dispute window (e.g., "60 days"), the contact method, and the expected resolution timeline. Do not place this notice only in the Terms & Conditions document — it must appear on every statement page.