If you submit a fraud or scam report through the Zelle website, Zelle will share your report and your personal information with the bank or credit union involved in the transaction.
This analysis describes what Zelle's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Consumers reporting a fraud or scam may not expect that their personal details and account of the incident will automatically be forwarded to the other party's financial institution, which could affect how their report is handled.
Zelle's website now operates under a binding privacy notice that requires you to expressly consent to the collection, use, disclosure, and retention of your personal information as a condition of visiting the site. The policy states that by using the website, you consent to these practices, and you should not use the site if you disagree. This represents a shift from marketing content to enforceable legal terms that govern what data is collected from website visitors and how it may be used. You can review the full privacy notice in the footer of zelle.com pages or request a copy via email at zelleprivacy@earlywarning.com to understand what specific data practices apply to your visit.
View change record →Submitting a fraud report through the Zelle website results in your name, contact information, and transaction details being disclosed to the recipient's bank or credit union, which is a third party over which Zelle has limited control once the disclosure is made.
How other platforms handle this
We will disclose personal information to companies that help us run our business to detect, prevent, or otherwise address fraud, deception, illegal activity, misuse of Adobe Services and Software, and security or technical issues.
we may share data between our affiliates for the safety and security of our users and may take necessary actions if we believe you have violated these Terms, including banning you from our Services and/or our affiliates' services...
Protect us, our business, our users, and others, for example to enforce our terms of service, prevent spam or other unwanted communications, and investigate or protect against fraud
"We may disclose Personal Information with the following categories of third parties for the business purposes we described above in Section 5. a. our Network Financial Institutions (e.g., if you report a fraud/ scam to us through our Website, we will disclose that information to the recipient's bank or credit union)Excerpt from Zelle's Privacy Policy
REGULATORY LANDSCAPE: Disclosure of consumer fraud report data to network financial institutions implicates the Gramm-Leach-Bliley Act to the extent that participating banks are covered financial institutions, and may engage CFPB supervisory authority over consumer financial …
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Consumers reporting a fraud or scam may not expect that their personal details and account of the incident will automatically be forwarded to the other party's financial institution, which could affect how their report is handled.
Submitting a fraud report through the Zelle website results in your name, contact information, and transaction details being disclosed to the recipient's bank or credit union, which is a third party over which Zelle has limited control once the disclosure is made.
ConductAtlas has identified this type of provision across 287 platforms. See the full comparison.
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