Which law limits how credit card companies can charge consumers? Dodd-Frank Wall Street Reform and Consumer Protection Act Fair Credit Billing Act Electronic Funds Transfer Act Credit Card Accountability and Disclosure Act of 2009

## Step 1<br />The question is asking for the specific law that regulates how credit card companies can charge consumers. The options provided are all laws related to financial regulations and consumer protection, but they focus on different aspects of financial transactions and consumer rights.<br /><br />## Step 2<br />The Dodd-Frank Wall Street Reform and Consumer Protection Act is a comprehensive financial reform law that was enacted in response to the 2008 financial crisis. It aims to increase transparency and accountability in the financial system and protect consumers from abusive financial practices. However, it is not card charges.<br /><br />## Step 3<br />The Fair Credit Billing Act is a federal law designed to protect consumers from a mechanism for addressing billing disputes. While it does address some aspects of credit card billing, it is not the primary law governing credit card charges.<br /><br />## Step 4<br />The Electronic Funds Transfer Act (EFTA) is a federal law that protects consumers engaging in electronic funds transfers, such as direct deposits and online banking. It does not specifically address credit card charges.<br /><br />## Step 5<br />The Credit Card Accountability and Disclosure Act of 2009, also known as the CARD Act, is the most relevant law to the question. It was enacted to address issues related to credit card practices, such as unfair billing practices, hidden fees, and the manipulation of interest rates. The CARD Act requires credit card companies to provide clear and conspicuous disclosures of terms and conditions, prohibits certain unfair restrictions on how credit card companies can charge consumers.