-- 45 day MAX allowable time from date of statement mailing or digital post to dispute a charge by credit/ debit card.

-- Contracted services signed off/ final payment sent is non-refundable/ non-disputable. PERIOD. If a client agrees at that moment in time that the project is completed satisfactorily and they make that agreement binding by sending final payment it's DONE. No if's or but's about it. It's their responsibility to review a contract before signing and check that the work was done to their specs at that time. If there is a maintenance portion of contract hold them to it. But stealing from them is a crime and must be stopped.

-- MAX allowable time for bank/ institution to respond to claim shortened from 100 to 30 days.

-- IP address cross checking with emails to verify if there is match between transaction IP address. Immediate rejection for claims where proof satisfactory product or service delivery is given by merchant and I didn't buy it or I am not satisfied (for digital), doesn't work, etc., or I don't want it when there is IP match.

-- Central Database for consumer fraud cases which must be cross checked. Fines imposed upon repeat offenders.
(Sure there may happen to be a legitimate claim that a consumer lost but more than one...I don't think so!)

>> Comments welcomed and appreciated! Please email this link to all in your list. Thank you!