A client does not receive a written monthly statement from their credit card company. Which law might this violate?

The Fair Credit Billing Act (FCBA) requires creditors to provide consumers with regular statements that clearly outline their billing information, including the amounts owed, payment due dates, and details of charges made during the billing cycle. By not receiving a written monthly statement, the client may not have access to critical information that enables them to manage their credit effectively, which could lead to late payments or misunderstandings regarding their account status. This act is fundamentally about ensuring transparency and accurate information sharing between creditors and consumers.

While the other laws mentioned, such as the Credit Repair Organizations Act, the Truth in Lending Act, and the Equal Credit Opportunity Act, address different aspects of credit and lending, they do not specifically mandate the issuance of monthly statements or the types of disclosures related to billing practices that the FCBA covers. Therefore, the absence of a monthly statement is primarily linked to the provisions outlined in the Fair Credit Billing Act.