I didn't say exactly that. I reported I heard the level of protection is lower in America, but I don't have the exact description of the difference, I might even be proven wrong. Or it might be different depending on the state.
It is a federal law. See http://www.bankrate.com/brm/news/DrDon/20020617a.asp?keyword=CREDITCARDS&authorid=12&firstn=Don&middlen=&lastn=Taylor .
My experience is that's more protection than is afforded to credit cards in France. In particular, the "quality of goods" provision means that most US merchants have flexible return policies. I have tried returning stuff I bought that I was unhappy with in France (with a credit card). No luck : it's up to the merchant, there is no law that gives this right. Anyway, this is drifting somewhat off-topic from the fraud subject.
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