Why does it take the intervention of a top gun consumer watchdog reporter to get a consumer's unfairly collected bounced check fees back from a bank? If the bank regulators hammered banks that ignore consumer complaints or misinterpret the law to their own benefit with some penalties (civil money penalties, to be exact), fewer problems such as this would occur. This detailed Q&A -- Regulation E protects us from electronic bank fraud -- from Yvonne Zanos of KDKA-TV and the Pittsburgh Post Gazette explains your Electronic Fund Transfer Act (Regulation E) rights, including the right to be made whole after checks or other debits bounce due to errors-- including when the bank allows unauthorized electronic debits by fraudsters, and those unauthorized debits lead to fees.