The Fair Credit and Charge Card Disclosure Act of 1988 is optional advice to credit card companies.

Name: The Fair Credit and Charge Card Disclosure Act of 1988 is optional advice to credit card companies.
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The Fair Credit and Charge Card Disclosure Act of 1988 is actually a federal law that requires credit card companies to provide certain disclosures to consumers about the terms and fees associated with their credit cards. It is not optional advice, but rather a legal requirement.