On an automated teller machine (ATM) belonging to Rockfield Bank, Shane placed a card-skimming device to pull information from the magnetic strips of users debit cards. The device then transmitted the stolen data to thieves who used it to gain access to, and empty, the bank accounts of the users, including Melanie. Melanie learned of the theft the next day and promptly notified Rockfield Bank. Is Melanie entitled to a recredit of her account for the most of the loss due to the theft?

State and explain the applicable law which includes the federal statute and apply the law to the facts to answer the question. Also state whether Melanie is responsible for any amount of money.