Which federal law is designed to protect against unfair billing practices?

The Fair Credit Billing Act is specifically designed to protect consumers from unfair billing practices, particularly in the realm of credit transactions. This act provides a framework for consumers to dispute billing errors and outlines the obligations of creditors in handling disputes. It ensures transparency and fairness in billing statements, allowing consumers to challenge charges they believe are incorrect or fraudulent without facing immediate repercussions.

This law addresses critical aspects of billing, such as ensuring that consumers receive accurate bills and that creditors investigate any disputes properly and in a timely manner. Such protections are crucial for maintaining consumer trust and preventing exploitative practices in the billing process.

In contrast, other options relate to different aspects of consumer protection and regulation. The Health Insurance Portability and Accountability Act primarily focuses on the privacy and security of health information, rather than billing practices. The Fair Debt Collection Practices Act regulates the conduct of third-party debt collectors but does not directly address billing processes. The Truth in Advertising Act is primarily concerned with truthful advertising practices rather than billing specifics. Therefore, the Fair Credit Billing Act stands out as the law that directly aligns with protections against unfair billing.