This rule flags transactions occurring during unusual business hours when legitimate activity is typically lower, making fraudulent transactions easier to hide.

The rule triggers when:
1. A transaction occurs between 12:00 AM (midnight) and 7:00 AM
2. The merchant is NOT in an excluded category (24-hour operations):
   - MCC 8062: Hospitals
   - MCC 7011: Hotels and Lodging
   - MCC 5542: Automated Fuel Dispensers  
   - MCC 5812: Eating Places and Restaurants

Transactions meeting these criteria are placed on HOLD for review, as late-night transactions outside of expected business types often indicate unauthorized terminal access or compromised cards being used when detection risk is lower.