Consumer - Credit Billing

The federal Fair Credit Billing Act (FCBA) applies to “open end” credit accounts, such as credit cards and revolving charge department store accounts.  It does not apply to installment contracts – loans or extensions of credit you repay on a fixed schedule.  The FCBA also establishes procedures for resolving billing errors on your credit card accounts.  The Federal Trade Commission (FTC) is the governmental agency that has the most complete regulatory and enforcement authority over the provisions of the FCBA. The FCBA also provides for private rights of action.

More Information:

FTC's Fair Credit Billing Facts For Consumers

Where to file a complaint

Federal Trade Commission Complaint Assistance

Toll free phone number: 1-877-FTC-HELP (1-877-382-4357);
TTY: 1-866-653-4261

Complaints also may be filed with our office.