Consumer Comeback Blog

Credit Score Glossary: Fair Credit Billing Act (FCBA)

Fair Credit Billing Act (FCBA): A federal law that provides a specific resolution procedure protecting consumers from making payments on erroneous billings.

This legislation applies specifically to billing inaccuracies. Common errors include:

  • Charges that are not authorized
  • Charges that list the wrong date or amount
  • Charges for goods or services the consumer did not accept or were not delivered as agreed
  • Math or calculation errors
  • Failure to properly post payments, returns, or other credits
  • Failure to send bills to the consumer’s correct address
  • Charges for which the consumer wants clarification or proof