Fraud protection is required by law. The reason why the protections differ is because of different laws, Fair Credit Billing Act applies to credit cards, and th

Fraud protection is required by law. The reason why the protections differ is because of different laws, Fair Credit Billing Act applies to credit cards, and the Electronic Fund Transfer Act for debit cards. The only reason fraud protections would not be identical between credit and debit cards is because Congress doesn't care enough to make them the same, and that might have something to do with being under the boot of the finance industry. https://www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cards https://www.consumer.ftc.gov/articles/0213-lost-or-stolen-cr...