Fair Credit Billing Act
E618777
The Fair Credit Billing Act is a U.S. federal law that protects consumers from unfair billing practices and provides a mechanism for addressing errors in credit card and other open-end credit accounts.
All labels observed (1)
| Label | Occurrences |
|---|---|
| Fair Credit Billing Act canonical | 2 |
How this entity was disambiguated
This entity first appeared as the object of triple T6772829 — resolving that mention is where its identity was fixed. The disambiguator weighed these candidate entities and picked the highlighted one (or “None”, minting a new entity). This is how homonymy is resolved: the same surface form can point to different entities.
NED1
Entity disambiguation (via context triple)
gpt-5-mini-2025-08-07
Target entity: Fair Credit Billing Act Context triple: [Electronic Fund Transfer Act, relatedTo, Fair Credit Billing Act]
-
A.
Consumer Credit Protection Act
The Consumer Credit Protection Act is a landmark U.S. federal law that regulates consumer credit practices, safeguards borrowers from unfair or abusive lending, and mandates clear disclosure of credit terms.
-
B.
Fair Credit Reporting Act
The Fair Credit Reporting Act is a U.S. federal law that regulates how consumer credit information is collected, shared, and used, providing protections for accuracy, privacy, and access to credit reports.
-
C.
Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act is a U.S. federal law that protects consumers from abusive, deceptive, and unfair debt collection practices by regulating how third-party debt collectors may conduct their business.
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D.
Truth in Lending Act
The Truth in Lending Act is a U.S. federal law that requires lenders to clearly disclose key terms and costs of consumer credit to promote informed borrowing and protect consumers from unfair lending practices.
-
E.
Credit CARD Act of 2009
The Credit CARD Act of 2009 is a U.S. federal law that established significant consumer protections and restrictions on unfair or deceptive credit card industry practices.
- F. None of above. chosen
- G. Unsure - the case is ambiguous/there is not enough information to decide.
NED2
Entity disambiguation (via description)
gpt-5-mini-2025-08-07
Target entity: Fair Credit Billing Act Target entity description: The Fair Credit Billing Act is a U.S. federal law that protects consumers from unfair billing practices and provides a mechanism for addressing errors in credit card and other open-end credit accounts.
-
A.
Consumer Credit Protection Act
The Consumer Credit Protection Act is a landmark U.S. federal law that regulates consumer credit practices, safeguards borrowers from unfair or abusive lending, and mandates clear disclosure of credit terms.
-
B.
Fair Credit Reporting Act
The Fair Credit Reporting Act is a U.S. federal law that regulates how consumer credit information is collected, shared, and used, providing protections for accuracy, privacy, and access to credit reports.
-
C.
Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act is a U.S. federal law that protects consumers from abusive, deceptive, and unfair debt collection practices by regulating how third-party debt collectors may conduct their business.
-
D.
Truth in Lending Act
The Truth in Lending Act is a U.S. federal law that requires lenders to clearly disclose key terms and costs of consumer credit to promote informed borrowing and protect consumers from unfair lending practices.
-
E.
Credit CARD Act of 2009
The Credit CARD Act of 2009 is a U.S. federal law that established significant consumer protections and restrictions on unfair or deceptive credit card industry practices.
- F. None of above. chosen
Statements (49)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal law
ⓘ
consumer protection law ⓘ |
| allows |
consumers to challenge charges for goods not as described
ⓘ
consumers to challenge charges for goods not received ⓘ withholding payment for defective goods under certain conditions ⓘ |
| amends | Truth in Lending Act NERFINISHED ⓘ |
| appliesTo |
charge card accounts
ⓘ
credit card accounts ⓘ open-end credit accounts ⓘ revolving charge accounts ⓘ |
| consumerLiabilityCap | 50 USD for unauthorized credit card use ⓘ |
| country |
United States of America
ⓘ
surface form:
United States
|
| currentlyImplementedBy | Consumer Financial Protection Bureau regulations ⓘ |
| doesNotApplyTo |
closed-end credit
ⓘ
installment loans ⓘ |
| enactedBy | United States Congress ⓘ |
| enforcedBy |
Consumer Financial Protection Bureau
NERFINISHED
ⓘ
Federal Trade Commission NERFINISHED ⓘ federal banking regulators ⓘ |
| grantsRight |
dispute billing errors
ⓘ
receive investigation of billing disputes ⓘ withhold payment on disputed amounts ⓘ |
| implementedBy | Federal Reserve Board regulations ⓘ |
| legalArea |
banking law
ⓘ
consumer credit law ⓘ |
| limits | consumer liability for unauthorized use of credit cards ⓘ |
| partOf | Truth in Lending Act NERFINISHED ⓘ |
| prohibits |
creditors from reporting disputed amounts as delinquent during investigation
ⓘ
retaliatory actions against consumers who exercise dispute rights ⓘ |
| provides |
procedures for resolving charges not properly identified
ⓘ
procedures for resolving failure to post payments or credits ⓘ procedures for resolving mathematical or clerical errors ⓘ procedures for resolving unauthorized charges ⓘ |
| purpose |
protect consumers from unfair billing practices
ⓘ
provide a mechanism for resolving billing errors ⓘ |
| regulates |
billing error resolution procedures
ⓘ
credit card billing practices ⓘ creditor responsibilities in disputes ⓘ periodic billing statements ⓘ |
| requires |
clear disclosure of consumers’ rights on billing statements
ⓘ
consumers to send written notice of billing errors ⓘ creditors to acknowledge billing error notices within 30 days ⓘ creditors to correct confirmed billing errors ⓘ creditors to resolve billing errors within a maximum of 90 days ⓘ creditors to resolve billing errors within two billing cycles ⓘ |
| sector | financial services ⓘ |
| shortName | FCBA NERFINISHED ⓘ |
| signedBy | Richard Nixon NERFINISHED ⓘ |
| timeLimitForConsumerNotice | 60 days from transmission of the first statement containing the error ⓘ |
How these facts were elicited
The pipeline generated the facts above by prompting gpt-5.1 with this entity's name + description and the instruction below.
Instruction
You are a knowledge base construction expert. Given a subject entity and a description of it, return factual statements that you know for the subject as a JSON list of dictionaries(triples), where keys must be "subject", "predicate" and "object". The number of facts may be very high, between 25 to 50 or more, for very popular subjects. For less popular subjects, the number of facts can be very low, like 5 or 10. # Requirements - If you don't know the subject at all, return an empty list. - If the subject is not a named entity, return an empty list. - Include at least one triple where predicate is "instanceOf". - Do not get too wordy. - Separate several objects into multiple triples with one object.
Input
Subject: Fair Credit Billing Act Description of subject: The Fair Credit Billing Act is a U.S. federal law that protects consumers from unfair billing practices and provides a mechanism for addressing errors in credit card and other open-end credit accounts.
Referenced by (2)
Full triples — surface form annotated when it differs from this entity's canonical label.