What is the time frame to dispute a charge?

The time frame to dispute a charge is typically 60 days from the date of the monthly statement that includes the charge being disputed. However, in many contexts, for specific types of transactions or under certain regulations, a shorter window may apply.

In this case, if the reference to 20 days pertains to a specific regulation that allows consumers to address unauthorized charges or resolve disputes in that time frame, then it aligns closely with common practices where prompt action is encouraged. A timeframe like this often emphasizes the importance of monitoring financial statements closely and promptly reporting discrepancies to avoid being liable for fraud or errors.

The other options (30 days, 15 days, 10 days) might represent varying guidelines from different institutions or specific types of charges but do not align with the typical industry standard of 60 days for broader disputes. Therefore, if the focus is on the 20 days, it likely addresses a specific circumstance or rule that necessitates quicker action for resolution, highlighting the importance of timeliness in managing financial disputes.