Under the Fair Credit Billing Act (FCBA), ________.
A. the seller cannot offer discounts if the buyer pays cash for a purchase rather than using a credit card
B. a card issuer may report a cardholder's delinquency to a credit reporting agency at any time deemed reasonable by it
C. the consumer has the right to have a credit report withheld from anyone not having a legitimate business need for the information
D. a card issuer must inform the cardholder of the reporting agency to which the issuer sends its reports
Answer: D
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