Lesson

Consumer Rights & Disputing Errors

9-12th Grades

45 min

Summary

Fraudulent charge or merchant dispute? The distinction determines whether you get your money back. This lesson unpacks the Electronic Fund Transfer Act, the 2-day liability rule, and the exact steps to dispute an unauthorized transaction.

Activities

Bellringer: Mystery $80 Charge

Pose the unknown-charge scenario to the class.
Surface initial reactions before defining dispute terminology.

5 min

Instruction

Define fraud vs. merchant dispute and walk the 5-step dispute process.
Introduce the Timer Rule and Electronic Fund Transfer Act protections.

15 min

Discussion: Fraud or Merchant Dispute?

Work three scenarios as a class: canceled subscription, stolen card, unauthorized ATM withdrawal.
Push students to identify liability and next steps for each.

10 min

Activity: Dispute Letter

Students invent a hypothetical unauthorized charge and draft a formal letter of dispute.
Require date, amount, company, and supporting documentation references.

12 min

Wrap-Up & Assessment

Explain the difference between fraud and merchant disputes.
How will you prevent personal liability for unauthorized charges on your account? Give 2-3 strategies.

3 min

Est. Time	Activity	Description
5 min	Bellringer: Mystery $80 Charge	Pose the unknown-charge scenario to the class. Surface initial reactions before defining dispute terminology.
15 min	Instruction	Define fraud vs. merchant dispute and walk the 5-step dispute process. Introduce the Timer Rule and Electronic Fund Transfer Act protections.
10 min	Discussion: Fraud or Merchant Dispute?	Work three scenarios as a class: canceled subscription, stolen card, unauthorized ATM withdrawal. Push students to identify liability and next steps for each.
12 min	Activity: Dispute Letter	Students invent a hypothetical unauthorized charge and draft a formal letter of dispute. Require date, amount, company, and supporting documentation references.
3 min	Wrap-Up & Assessment	Explain the difference between fraud and merchant disputes. How will you prevent personal liability for unauthorized charges on your account? Give 2-3 strategies.

Class Presentation

Includes a 25-slide deck with teacher notes. Present from Banzai, download a PDF, or copy it to Google Slides.

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Unit 5: Banking

Peer-to-Peer Payments

P2P payment apps aren't banks — and your money isn't protected like it is in one. This lesson compares popular P2P apps, identifies common scams, and walks students through real-world scenarios to practice smart digital payment decisions.

9-12th Grades

45 Min

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