// CATEGORY
CONSUMER
4 POSTS
Credit card disputes and debit card disputes are not the same protection
Federal law caps your credit card fraud liability at $50 and gives you real leverage over bad merchants. Debit cards play by different rules, and the clock starts the moment the charge hits.
No law says a store has to take your return
Return policies are a courtesy, not a legal requirement, with one real federal exception. Knowing which is which changes how you shop and how you argue when a return gets denied.
'Warranty void if removed' stickers are mostly illegal
A federal law from 1975 already settled this: a manufacturer can't void your warranty just because you used a third-party part or an independent repair shop, unless they can prove that part caused the problem.
Why canceling a subscription is never as easy as signing up for one
It's not your imagination — some states legally require cancellation to be as easy as sign-up, but there's no federal rule yet forcing every company to comply.