institutions are closed on weekends and during the evening so if you are unfortunate enough to detect a fraud at 6:00 on a friday evening, by the time you get to report the fraud on monday, your 48-hour window has elapsed. reporter: o farrell says there s simply not enough regulation when it comes to identity theft and financial institutions. and until there is, the best way to protect yourself is to do what tyrone is doing. i use credit now as opposed to debit. reporter: so bottom line, you have additional protection when you use your card as a credit card instead of debit thanks to tougher credit card regulations. bank of america admits it made a mistake and reimbursed wayne under its zero liability policy. but tyrone is out of luck and higher one is refusing to reimburse him. i want to go back to that 48- hour window thing. if this happens on a friday, or even a thursday and the bank is closed over the weekend you re done. reporter: yeah. if the bank is closed an