Fair Credit Billing Act (FCBA)

The Fair Credit Billing Act (FCBA) is a federal law that protects consumers from unfair billing practices for credit cards and certain other debts. It allows consumers to dispute charges they believe are incorrect, such as errors or unauthorized transactions, and requires creditors to investigate these disputes. Under the FCBA, you also have the right to withhold payment on disputed charges while the investigation is ongoing. This law aims to ensure transparency and fairness in billing, helping consumers manage their credit more effectively and protecting them from fraudulent charges.