True or False: A consumer is liable for a disputed charge on their credit card until the dispute is resolved.

The statement is false. When a consumer disputes a charge on their credit card, they are not liable for that charge while the dispute is being investigated. Under the Fair Credit Billing Act (FCBA), consumers have the right to dispute unauthorized or incorrect charges and can withhold payment for those disputed amounts until the credit card issuer has completed its investigation. This legal protection helps to ensure that consumers are not financially penalized while their claim is being processed, reinforcing the concept that they should not be liable for charges that they contest as inaccurate or fraudulent. This framework is crucial for maintaining consumer confidence in credit transactions and protecting against unauthorized use of their credit cards.