Product
Five tools that cover the Reg E case lifecycle
From intake to evidence package. Every step of the Reg E investigation — deadlines, letters, provisional credit, and the audit trail examiners expect — in one case record.
Deadline Engine
The investigation clock starts the day the bank receives notice.
KohltSoft calculates the correct deadline path from intake — 10 business day or 20 business day investigation window, 45 calendar day or 90 calendar day extended investigation for POS, foreign-initiated, and new account disputes. Related notice deadlines are tracked in the same record.
Interface preview
Deadline status examples
10-day investigation— 7d leftWhat it tracks
- 10 business day investigation window (standard ACH/debit card disputes)
- 20 business day extension for new account disputes
- 45 calendar day investigation (POS and foreign-initiated transactions)
- 90 calendar day extended investigation (new account POS disputes)
- Provisional credit notice deadlines tied to the investigation window
- Automatic escalation when a deadline is within two business days
Letter Management
Every required letter generated from the case record — with proof of send.
Reg E requires specific written communications at specific points in the investigation. KohltSoft generates each required letter from the case record, stores it with the case, and tracks delivery. No separate document folder. No wondering whether the letter went out.
Learn more about Reg E letter trackingInterface preview
- Confirmation of receiptSent
- Provisional credit noticeSent
- No-error explanationDue today
- Reversal noticeDay 12
- Final resolution letterDay 12
What it tracks
- Confirmation of receipt (within 10 business days of receiving the dispute)
- Provisional credit notice (when provisional credit is issued)
- No-error explanation (with statement copy and reason for denial)
- Reversal notice (five business day advance notice before reversal)
- Final resolution letter (on conclusion of the investigation)
- Proof of send attached to each letter in the case timeline
Provisional Credit Tracking
Every credit decision tied to the case — amount, date, notification, and outcome.
Provisional credit decisions have documentation requirements at every stage: when issued, when the customer is notified, when the investigation concludes, and whether the credit is finalized, adjusted, or reversed. KohltSoft tracks all of it in the case record.
Learn more about provisional credit trackingWhat it tracks
- Credit amount and date issued
- Customer notification date and method
- Finalization decision on investigation conclusion
- Adjustment or partial reversal with documented reason
- Reversal with five business day advance notice tracked
- Full credit history attached to the case timeline
Audit-Ready Timeline
Every case action preserved in one examiner-ready view.
When an examiner reviews a Reg E case, they want to see: when the dispute was received, what deadlines applied, what letters were sent, what provisional credit decisions were made, what evidence was reviewed, and how the case was resolved. KohltSoft assembles that record automatically from the actions taken in the system.
Interface preview
- Dispute intake recordReceived Day 0
- Provisional credit history$342.00 issued Day 3
- Letters sent2 of 5 letters sent
- Investigation notesIn progress
- Final resolutionAwaiting close
What it tracks
- Timestamped record of every case action from intake to resolution
- All required letters stored with proof of send
- Provisional credit history with all decisions and dates
- Investigation notes and supporting documents attached
- Final resolution decision with documented basis
- One-step export of the full evidence package
Manager Queue
One view of everything that needs attention today.
Operations managers shouldn't have to open every case to know what needs action. The Manager Queue surfaces cases by urgency: due today, approaching deadline, missing required letters, missing evidence, and overdue investigation steps. Assign work, track resolution, and close cases from a single view.
Learn more about the Reg E manager queueInterface preview
- Overdue#2847ACH10-day clockMain St Branch
- Today#2851Debit CardProv. credit noticeOak Ave Branch
- Today#2856ACHLetter requiredOnline Banking
What it tracks
- Cases due today — investigation deadlines and letter deadlines
- Cases approaching deadline — configurable warning threshold
- Cases with missing required letters
- Cases with missing supporting evidence or documentation
- Cases with overdue investigation steps
- Team assignment and workload distribution across locations
See it in your workflow
Request a demo walk-through of the case lifecycle for your bank's dispute types and volume.
Request a Demo