Which of the Following Statements Is True of the Fair

Which of the following statements is true of the Fair Credit Billing Act?

A) It prohibits creditors from taking actions that adversely affect the consumers' credit standing until the investigation is completed.
B) It gives consumers the right to obtain one free credit report once every 12 months from the 3 nationwide credit reporting agencies.
C) It is a federal statute that protects consumer-debtors from abusive, deceptive, and unfair practices used by debt collectors.
D) It is a federal statute that requires disclosure of credit terms on credit card and charge card solicitations and applications.