Within the CPA we have a number of rules that afford consumers recourse. In the case of bill payments, once the consumer has made a payment to a utility company, it cannot be reversed. But in those cases, it's unlikely that a fraudulent transaction will be made in order to pay my bill. I'd like it, but I doubt it would happen.
In the case of, particularly, pre-authorized debits, the consumer is afforded a 90-day recourse in the event there's either an erroneous or a fraudulent transaction to their account.