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Fair Credit Billing Act (FCBA): Federal law that protects consumers against billing errors and provides mechanisms for disputing charges and seeking refunds for credit card purchases

Federal Trade Commission Act (FTC Act): Fundamental federal consumer protection law that prohibits unfair or deceptive practices in commerce

Consumer Protection Act: Federal legislation designed to protect consumers from unfair practices and ensure their rights in commercial transactions

Magnuson-Moss Warranty Act: Federal law that governs consumer product warranties, making them easier to understand and enforce

Mail, Internet, or Telephone Order Merchandise Rule: Federal regulation that applies to online, mail, and phone orders, requiring timely delivery and specific procedures for delayed or cancelled orders

State Consumer Protection Laws: State-specific statutes that provide additional consumer protections and may include specific refund and return requirements

Industry-Specific Regulations: Sector-specific rules and regulations that may apply depending on the product or service (e.g., airline, healthcare, telecommunications)

Uniform Commercial Code (UCC): Standardized set of laws governing commercial transactions, including sales contracts and warranties

Statute of Limitations: State-specific time limits for filing consumer complaints or legal actions related to refund requests

Company Policies: The merchant's published refund, return, and warranty policies that form part of the purchase agreement