Here's the complaint filed in court, in case you're interested: https://files.consumerfinance.gov/f/documents/cfpb_Zelle-Com...

... by design. Leaked internal decks showed that one of the main motivators for building Zelle was to shift fraud liability more to consumers and away from the banks.

I suggest https://www.consumerfinance.gov/about-us/newsroom/cfpb-sues-... instead of the empty link