> ## Documentation Index
> Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# January 2026 Risk, Fraud, and Disputes Release Notes

> Release notes for the Risk, Fraud, and Disputes platform: new features, enhancements, fixed issues, and notable documentation changes.

To follow new Risk, Fraud, and Disputes release notes with RSS, subscribe to the current release notes feed:

`https://www.marqeta.com/docs/developer-guides/risk-fraud-disputes-release-notes/rss.xml`

**New features**

## Added support for Mastercard BIN attack flag in 3D Secure requests

In compliance with Mastercard's updated requirements, Marqeta now enables card programs to reject 3D Secure (3DS) transactions that Mastercard has flagged as BIN attacks. When Mastercard flags a transaction as a suspected BIN attack, card programs will receive a 3DS completion webhook with `transaction_reason = NETWORK_SUSPECTED_BIN_ATTACK`.

For more information on 3DS webhooks, see [3D Secure transition events](https://www.marqeta.com/docs/core-api/event-types.md#_3d_secure_transition_events).

**Enhancements**

## New evidence collection requirements for disputes

Action required

Breaking change

Marqeta is implementing new evidence collection requirements for dispute events under Regulation E. These requirements vary by program type and are only applicable to programs that are Managed by Marqeta or hybrid.

| Program type | Program responsibility | Required evidence |
| - | - | - |
| Marqeta-managed JIT programs | Program provides money movement evidence; Marqeta handles communications | Documentation for provisional credit grant, reversal, and permanent credit submitted via API or the disputes portal within 3 business days |
| Hybrid JIT programs | Program provides both money movement evidence and communication evidence | Documentation for all credit events plus consumer communication records submitted via API or the disputes portal within 3 business days |
| Marqeta-managed pre-funded programs | Marqeta handles all evidence collection and communications | No evidence required — monitor dispute events through the disputes portal |
| Hybrid pre-funded programs | Program provides communication evidence; Marqeta handles money movement evidence | Consumer communication dates and content for all credit events submitted via API or the disputes portal within 3 business days |


## Related topics

- [January 2026 Card Issuing and Processing Release Notes](https://www.marqeta.com/docs/developer-guides/card-issuing-processing-release-notes/2026-01.md)
- [January 2026 UX Toolkit Release Notes](https://www.marqeta.com/docs/developer-guides/ux-toolkit-release-notes/2026-01.md)
- [February 2026 Risk, Fraud, and Disputes Release Notes](https://www.marqeta.com/docs/developer-guides/risk-fraud-disputes-release-notes/2026-02.md)
- [March 2026 Risk, Fraud, and Disputes Release Notes](https://www.marqeta.com/docs/developer-guides/risk-fraud-disputes-release-notes/2026-03.md)
- [June 2026 Risk, Fraud, and Disputes Release Notes](https://www.marqeta.com/docs/developer-guides/risk-fraud-disputes-release-notes/2026-06.md)