Fair Credit Billing Act (FCBA)

The Fair Credit Billing Act (FCBA) is a federal law that protects consumers from unfair billing practices by credit card companies. The FCBA was enacted in 1974 and has been amended several times since then.

The FCBA gives consumers the right to dispute billing errors and to have those errors corrected. It also requires credit card companies to provide consumers with clear and accurate billing information.

If you believe that there is an error on your credit card bill, you should first contact the credit card company and try to resolve the issue directly. If the credit card company is not responsive or if you are not satisfied with the resolution, you can file a complaint with the Consumer Financial Protection Bureau (CFPB).

The FCBA also provides consumers with protection from credit card fraud. If you are the victim of credit card fraud, you are not liable for any charges that you did not authorize. You should report credit card fraud to the credit card company immediately.

The FCBA is an important law that protects consumers from unfair billing practices and credit card fraud. If you are a consumer, it is important to be aware of your rights under the FCBA.

Here are some specific examples of how the FCBA can protect you:

* If you find an error on your credit card bill, you have the right to dispute it and have the charge removed from your account.
* If you are the victim of credit card fraud, you are not liable for any charges that you did not authorize.
* Credit card companies must provide consumers with clear and accurate billing information.
* Credit card companies must give consumers a reasonable time to dispute billing errors.
* Credit card companies must investigate billing disputes and take appropriate action to correct any errors.
* Credit card companies must provide consumers with a written explanation of their rights under the FCBA.

The FCBA is a valuable consumer protection law. If you are a consumer, it is important to be aware of your rights under the FCBA. If you have any questions about the FCBA, you can contact the CFPB or your state's attorney general's office.