united-states
What laws govern credit or debit card processors&#39; chargeback/dispute facilities?
<p>What laws are there that govern credit card chargebacks? Is it the fair credit reporting act? What is the rationale/reasoning behind these legislatively mandated provisions?</p>
<p>Why do the consumer protections for credit card transactions seem to be stronger than for debit card transactions?</p>

<p>With minor exceptions, the general law of contract and the language of the contracts, and possibly arbitration law, such as the Federal Arbitration Act in the usual case where the decisions are resolved by arbitration in the event of a dispute, are what control in U.S. law.</p>
<p>(If I am wrong I don't know what other law would apply.)</p>

<blockquote>
<p>In certain cases, cardholders can also dispute purchases they made, such as when merchants provide unsatisfactory goods or services or fail to provide promised goods or services. The <strong>Fair Credit Billing Act</strong> protects your right to dispute charges under these circumstances.</p>
</blockquote>
<p><a href="https://www.fool.com/the-ascent/credit-cards/disputing-credit-card-charge/" rel="nofollow noreferrer">https://www.fool.com/the-ascent/credit-cards/disputing-credit-card-charge/</a></p>
