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Resources (Continued)
The Fair Credit Billing Act (FCBA)
This act was designed as an amendment to the Truth in Lending Act, protecting consumers from errors or unfair practices committed by merchants on credit card purchases. This includes, but is not limited to, billing errors, charges for unsatisfactory services, charges for product never received etc.. Consumers must submit the dispute in writing to the creditor within 60 days of receiving their creditor statement.For full text of the act, Click Here.
Fair and Accurate Credit Transactions Act (FACTA)
Ammended in 2004 to provide additional protection against identity theft, The Fair and Accurate Credit Transactions Act (FACT Act) gave consumers the right to pull a free credit report annually while ensuring lenders base loans on the full credit history rather than stereotypes. Flags and alerts can now be placed on the credit report should the consumer fear they are the victims of identity theft or are military personnel overseas. This act also stated only the last five digits of a credit card can be printed on receipts. For full text of the act, Click Here.
Bonnie L. Canty, ESQ
Certified Financial Counselor
NACBA and NACA Member 20 years experience
representing consumers and handling debt
related issues
Phone: 954-418-5499
Fax: 954-414-4309
