Debit / Credit Card Issuance & Re-Issuance — impact tolerance ≤ 5 business days — ITOL

Impact tolerance: ≤ 5 business days — expedited re-issue queue > 3 business days; instant-issuance outage > 1 business day at branch (illustrative default — trace the derivation, then replace with your own harm analysis)

Definition: Produce and deliver new, replacement, and emergency-reissue debit and credit cards, including instant issuance at branch and expedited fulfillment for lost/stolen scenarios.

Why it is designated: Card issuance can wait longer than card authorization. But delayed replacement after a fraud event causes prolonged loss of access, elevated dispute exposure under Reg E (the federal electronic fund transfer rule), and complaint risk with the CFPB (Consumer Financial Protection Bureau). Fair-access considerations apply for cash-dependent customers.