While the Fair Credit Billing Act limits a cardholder's liability for unauthorized charges to $50, many card issuers now have voluntaryzero-liability policiesthat reduce it to $0. Fair Credit Billing Act (FCBA) vs. Fair Credit Reporting Act (FCRA) The Fair Credit Billing Act is often compar...
Person permitted by a credit cardholder to charge goods and services on the cardholder’s account but who is not responsible for repayment of the debt. The account displays on the credit reports of the cardholder as well as the authorized user. If you wish to have your name permanently remove...
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In 1974, Congress passed the Fair Credit Billing Act (FCBA), designed to protect consumers from unfair billing practices and limit their liability. The FCBA gives you the legal right to address everything from a fraudulent charge or a billing error to a creditor changing your billing period. T...
It's easy to picture nothing but partisanship and in-fighting when you think of lawmakers. But through the years, Congress has initiated some powerful consumer protection tools, including the Fair Credit Billing Act. If you use consumer credit, you do...