... 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.

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

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