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The Fair Credit Dealing Act (SCBA) and the Electronic Fund Transfer Act (ESCA) in the US protect against unauthorized credit and debit card use. Under the SCBA, your liability for unauthorized credit card use is limited to $60, and some credit card companies may waive this fee. The ESCA offers similar protections for debit card fraud, but reporting timelines are stricter and there may be increased liability if fraud is not reported promptly. In the United States, both the Fair Credit Dealing Act, SCBA, and the Electronic Fund Transfer Act, ESCA, offer protection for citizens against unauthorized credit and debit card use. Under the SCBA, if someone is unwilling to use your credit card, your responsibility is limited to $60. And many credit card companies waive this amount, meaning you may pay nothing. The ESCA provides similar protections for debit card fraud. Though reporting timelines are stricter, potentially increased liability in the fraud is not reported promptly.