John E. Koerner & Co. applied for a credit card account with the American Express Company. The application was for a company account designed for business customers. Koerner asked American Express to issue cards bearing the company’s name to Louis Koerner and four other officers of the corporation. 

Koerner was required to sign a company account form, under which he agreed that he would be jointly and severally liable with the company for all charges incurred through use of the company card. American Express issued the cards requested by the company. Thereafter, the cards were used almost totally for business purposes, although Koerner occasionally used his card for personal expenses. Later, a dispute regarding charges appearing on the company account arose. Does the Fair Credit Billing Act apply to this dispute?