LexisNexis (June 11, 2018, 1:21 PM EDT) -- Background. Under a bill payment service offered by many banks, a customer originates a payment by accessing the customer’s account online, selecting the bill payment service, and inputting the amount to be paid to an identified payee. While most payees are paid electronically through the automated clearing house network, some payees are paid through a paper check drawn on the bank providing the bill payment service, as the payee is unable to receive an electronic payment, particularly an individual payee. Based on an actual incident, we explore below the legal and regulatory ramifications when a consumer customer’s account is compromised and a bank providing a bill payment service is induced to mail a bill payment check to an apparent wrongdoer without the consumer’s authorization....