Actually, there is a law in the United States that says the lender is responsible and the loan is essentially invalid if the underlying purchase is based on fra

Actually, there is a law in the United States that says the lender is responsible and the loan is essentially invalid if the underlying purchase is based on fraud. Any protection you receive from a debit card transaction is essentially at the mercy of whatever the bank chooses to do and some banks claim you are protected and most don't, but it doesn't have the force of federal law the way it does with a credit card.