I’m not sure what the exact rules and regulations are, but at least in Germany you should be well protected. The German Wikipedia entry [0] is a bit confusing,

I’m not sure what the exact rules and regulations are, but at least in Germany you should be well protected. The German Wikipedia entry [0] is a bit confusing, as it both has damages (I checked the primary source, no further information) but also a section how it will not be your issue as the other party was defrauded, so I can only guess it’s people who simply paid (fraudulent online shop orders or fraudulent withdrawals) without fighting back. [0]: https://de.wikipedia.org/wiki/Identit%C3%A4tsdiebstahl https://de.wikipedia.org/wiki/Identit%C3%A4tsdiebstahl