// civil-liability3 articles

Civil liability.

On the MED clock, the only deadline that releases the money belongs to the victim's bank

Brazil's Special Return Mechanism has six deadlines, and they don't carry equal weight. Five are service-level targets, measured by percentile. One is a deadline with an automatic consequence — and the party that misses it is the defrauded customer's own PSP.

Compliance & Regulation5 min read

MED is not a chargeback: anyone hit by an improper return gets 80 days to react

As of September 1, the window to contest a Pix return transaction goes from 30 to 80 days. It is the recourse available to whoever was debited by a MED they consider improper — and every wrong call along that chain has an owner named by the rulebook.

Case Law6 min read

The fake call-center scam: bank liability moved from automatic to evidentiary

In July, the STJ held that banks are not automatically liable for the fake call-center scam. Nine months earlier, the same panel had ruled against a bank. The contradiction is only apparent — what shifted was not the doctrine, but the burden of proof.

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