(a) The retailer management EBT contractor:(1) investigates and resolves transaction disputes between a retailer and third-party processor; and(2) requests information from the initiator and responder as needed.(b) The retailer management EBT contractor responds in writing:(1) within 10 banking business days after initiation, if the dispute is over system errors; and(2) within 15 calendar days after initiation for all other disputes.(c) Funds are transferred to the retailer or third-party processor only.(d) A chargeback transaction may be used to resolve a disputed EBT program transaction. A chargeback may be issued against the:(1) retailer management EBT contractor;(2) retailer; or(3) third-party processor's settlement account.