On January 18 Karen received her credit card statement specifying that the due date to pay the bill is January 30. Which Act was violated in this scenario?

The Credit Card Accountability Responsibility and Disclosure (CARD) Act specifies that credit card issuers must give consumers at least 21 days after the mailing of the bill before payment is due. In this scenario, the credit card issuer violated the CARD Act by allowing less than 21 days from the statement date to the due date.