Under the current regulatory framework known as Regulation E, banks are only liable to cover fraudulent activity when it involves unauthorized transactions. Likewise, Zelle will reimburse consumers for unauthorized fraudulent transactions but will not reimburse consumers for authorized transactions including authorized push payment fraud. However, Zelle and its bank owners are actively involved in talks to establish new rules regarding liability. For authorized push payment fraud where a customer gets tricked into sending money, these proposed changes include shifting the liability from the consumer to the receiving bank. This would enable the consumer to receive a direct refund for the associated P2P scam.