Marcus realized that he misplaced his credit card and that it may have been stolen. He was worried that it could be misused. He called the credit card company and notified them that the card had been misplaced. A few hours later, he got a text message stating that a purchase of $1,650 had been made using his card. He called the credit card company again and reported this fraudulent transaction. He also informed them that he had notified them the card was missing before the fraudulent transaction was made. The credit card company official reassured Marcus that he would not have to pay this amount. Which law protects Marcus in this scenario?