Nothing in Regulation E indicates an intent to cover intentional transfers by the account holder to scammers. Quote something specific if you disagree.
> also see official interpretation 2(m)-4 there
None of those scenarios match "I willingly sent money to something that turned out to be a scam". At all.
Each example in that interpretation is that of an unintentional transfer - bank employees doing it, stolen devices, being under duress.
Nothing in Regulation E indicates an intent to cover intentional transfers by the account holder to scammers. Quote something specific if you disagree.
> also see official interpretation 2(m)-4 there
None of those scenarios match "I willingly sent money to something that turned out to be a scam". At all.
Each example in that interpretation is that of an unintentional transfer - bank employees doing it, stolen devices, being under duress.