The Liability Shift Is Coming to the Americas. Is Your Bank Ready?
Scam losses are moving onto banks — even when the customer authorized the payment.
Across the Americas, fraud is no longer driven by technical breaches. It’s driven by manipulation, and on real-time rails like Pix, Zelle, and Interac e-Transfer, the money is gone in seconds.
For now, most scam losses fall on the victim. But that’s changing fast.
This whitepaper maps where every major market stands on fraud and scam liability and where it’s heading next.
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Where Liability Stands Now A country-by-country outlook across the US, Canada, Costa Rica, Brazil, Chile, and Argentina.A country-by-country outlook across the US, Canada, Costa Rica, Brazil, Chile, and Argentina.
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Why the Ground Is Shifting: How manipulation, real-time payments, and industrialized fraud are rewriting decades-old liability rules.
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What's Next: The five trends defining scam liability — and what banks must demonstrate to stay ahead. Now matched to the original's length. Want any tone adjustments?