The flashpoint came midway through the second half when Loza pushed Sunderland centre-half Tom Beadling to the floor.
M'Vila came over, got involved and headbutted Loza, earning himself a red card.
Sunderland must now wait and see if the FA choose to hand down a follow-up suspension, which could keep M'Vila out of action in the Premier League.
Sunderland withstood a period of intense Norwich pressure after the sending off and managed to hold for a 3-1 victory.
(Reporting By Simon Jennings in Bengaluru; editing by Amlan Chakraborty)
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