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Consumer Credit Laws

Fair Credit Billing Act

By February 3, 2023No Comments

The Fair Credit Billing Act (FCBA) is a United States federal law enacted as an amendment to the Truth in Lending Act (codified at 15 U.S.C. § 1601 et seq.). Its purpose is to protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors in “open end” credit accounts such as credit cards or charge card accounts.[1]

The following are examples of billing errors under the FCBA:

  • Charges not actually made by the consumer
  • Charges in the wrong amount
  • Charges for goods not received by the consumer
  • Charges for goods not delivered as agreed
  • Charges for goods that were damaged on delivery
  • Failure to properly reflect payments or credits to an account
  • Calculation errors
  • Charges that the consumer wants clarified or requests proof of
  • Statements mailed to the wrong address

Use this link to download a copy of the Fair Credit Billing Act