Compare the dispute resolution timelines mandated by the Fair Credit Billing Act when challenging an unauthorized foreign transaction on a Visa versus a Mastercard.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Compare the dispute resolution timelines mandated by the Fair Credit Billing Act when challenging an unauthorized foreign transaction on a Visa versus a Mastercard.
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
Fair Credit Billing Act Regulation Z 1026.13 30 days two billing cycles 90 days unauthorized credit card transaction CFPB Google ↗
Visa Mastercard zero liability unauthorized transactions dispute timelines official policies Google ↗
- § 1026.13 Billing error resolution. · consumerfinance.gov
- § 1026.13 12 CFR Ch. X (1–1–25 Edition) · govinfo.gov
- What do I do if I dispute a charge on my credit card account? · helpwithmybank.gov
- What do I do if I dispute a charge on my credit card account? · helpwithmybank.gov
- Comment for 1026.13 - Billing Error Resolution · consumerfinance.gov
- 12 CFR § 1026.13 - Billing error resolution. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- 12 CFR 1026.13 | Billing error resolution · ecfr.io
- Consumer Compliance Examination Manual · fdic.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fair Credit Billing Act Regulation Z 1026.13 30 days two billing cycles 90 days unauthorized credit card transaction CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Visa Mastercard zero liability unauthorized transactions dispute timelines official policies OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |