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A consumer fraud dispute is decided by a support agent in about three minutes, not by anything resembling a trial.
Drawn from what Patrick McKenzie said
A private bookmark. Not a position, and never counted.
What Patrick McKenzie actually said
Word for word, with the source under each one. They did not write this page.
Software engineer and writer, known online as patio11
It is a CSR clicking a button on their web app’s interface after 3 minutes of consideration, and then entire evidentiary record often fits in a tweet.
Where this was said
↗One Regulation E, Two Very Different Regimesbitsaboutmoney.com
All 2 korrents from this piecethis one is 1st
Added to korrents 7 Jan 2026 · How quotes work · Something wrong? Tell us
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Related korrents
Nothing near enough to show. As of the last pass () this claim had been compared with the other 5351 claims in the archive and none was close enough in subject or wording to put here. That can change as the archive grows — it is not a judgement that this claim stands alone.