Methodology: how ScamReclaim checks its guidance

ScamReclaim is an independent Australian publisher of plain-English claim toolkits. This page describes how every scam reimbursement guide is researched. No people, no personal details, just the process.

Primary sources we check

The ePayments Code (ASIC), the code of practice for electronic payments in Australia, which sets the framework banks apply to unauthorised transactions and mistaken payments. AFCA's published rules and approach documents on scam, fraud and unauthorised-transaction complaints. ACCC Scamwatch guidance on reporting and recovering from scams. ReportCyber guidance on reporting cybercrime. Sources are cited by name with a last-verified date; readers should check the current text of the Code before acting, because it changes. Last verified 2026-10-05.

Check cadence

Quarterly re-check of the ePayments Code, AFCA's published approach documents and Scamwatch guidance, plus ad-hoc checks when AFCA publishes new determinations or ASIC updates the Code. This page was last reviewed on 2026-10-05.

What "verified" means here

Every process step in the pack is traced to a dated primary source listed above. Where a source does not state a fixed rule (for example, reimbursement outcomes, which sit with the bank), the pack says so instead of implying certainty.

What we never claim

We do not predict whether a bank will reimburse a scam loss, and we do not guarantee AFCA outcomes. Nothing on this site is legal or financial advice, and nothing assesses an individual situation. Reimbursement decisions are at the bank's discretion.

This page last reviewed: 2026-10-05. Contact: fairformco@gmail.com