A credit card holder can dispute a billing error under the FCBA within how many days of the billing date?

The correct answer is that a credit card holder can dispute a billing error under the Fair Credit Billing Act (FCBA) within 60 days of the billing date. This timeframe is crucial as it ensures that consumers have adequate time to review their statements and identify any discrepancies. The 60-day window starts from the date the statement is mailed or delivered to the consumer.

Understanding this timeframe is important for consumers as it delineates their rights and the necessary steps they should take to address any disputed charges effectively. If a billing error is reported within this period, it triggers the creditor's obligation to investigate the claim, ensuring protection for the consumer against unauthorized or incorrect charges.

The other options reflect longer periods that do not align with the requirements set forth by the FCBA, which specifies the 60-day limit as a key aspect for initiating a dispute process.