Real ChatGPT answer · index seedq287w54lw9QcompleteFinance and banking · credit cardscomparison

Compare the fraud liability rules for unauthorized credit card use versus unauthorized checking account debits to keep my retirement savings safe.

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Compare the fraud liability rules for unauthorized credit card use versus unauthorized checking account debits to keep my retirement savings safe.
2 real searches · 1 real-search pass
CFPB unauthorized credit card charges $50 liability Regulation Z unauthorized electronic fund transfers debit card Regulation E 2 business days 60 daysGoogle ↗
OBSERVEDConsequence
eCFR 12 CFR 1026.12 unauthorized use credit card $50 12 CFR 1005.6 liability unauthorized electronic fund transfersGoogle ↗
OBSERVEDConsequence

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)
Short factOther / navigationalComparisonConsequence100%ReasonDefinitionInstructionYes / no

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
CFPB unauthorized credit card charges $50 liability Regulation Z unauthorized electronic fund transfers debit card Regulation E 2 business days 60 days Google ↗
eCFR 12 CFR 1026.12 unauthorized use credit card $50 12 CFR 1005.6 liability unauthorized electronic fund transfers Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
CFPB unauthorized credit card charges $50 liability Regulation Z unauthorized electronic fund transfers debit card Regulation E 2 business days 60 days
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
eCFR 12 CFR 1026.12 unauthorized use credit card $50 12 CFR 1005.6 liability unauthorized electronic fund transfers
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1