Which of the Following Is/are NOT Limitations on Liability in EFT

Which of the following is/are NOT limitations on liability in EFT?

A) $150 liability limit if consumer notifies the institution within two business days of discovery of loss or theft of access device, not including the day the consumer learns of the loss or theft
B) If state law has more generous limitations of liability for the consumer, the state laws will govern
C) Full liability (up to the amount of the unauthorized transfer) may be imposed if the consumer does not notify the institution within 30 days of the institution's transmission of the statement on which the first unauthorized transfer appears (to raise the liability limit, the institution must first establish that the unauthorized transfers would not have occurred if the consumer had notified the institution within the 30 days) . The unlimited liability applies only to the transactions that occur after the 30-day time period
D) Extenuating circumstances (such as hospital confinements, travel, and so forth) may extend the liability time periods