Citation-locked remittance document (Reg E Subpart B) — error notice with elected remedy and the provider's 90-day/3-day/1-day deadlines, the five-prong §1005.33(h) rebuttal to "you typed the wrong number" denials, or the 30-minute cancellation refund demand; California senders get the Fin. Code §2102 10-day-refund section. Fee-and-tax add-back computed for late/never-arrived transfers. Honest-no when the 180-day window is dead.

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