Fumbles have been stupidly high for all versions, but I agree it's gotten worse in 0.4.3. I think the problem is in 0.4.3 it takes more plays to score, and fumbles like all the other stupid things in the game (looking at you holding penalties) are based on a percentage chance per play rather than on player attributes. More plays, more chances to fumble. I've basically stopped looking at avoid fumble and a lot of attributes because it just makes me frustrated.

We're 12 games into our leagues' season, and we've got 7 guys with over 10 fumbles, three of whom have avoid fumble ratings over 80. Anyone who's fumbled that often would, IRL, be cut. Something is clearly outta whack here.

Seems rather random too, my rain RB, with an avoid fumble rating of 75, only has 2 fumbles in 12 games. That seems more normal.

here is that league = https://badcompany.myfootballnow.com/

if people want to check those stats

The only clarification here is that AF does play a reduced role in avoiding a fumble, like Discipline plays a reduced role in avoiding a penalty, in that (I'm almost certain) AF is rolled after the chance for fumble on the play to see if the player avoids fumbling on a for sure fumble play.

Also, some fumbles are the result of the backwards pitch.