Consumer Rights and Protection Consumer rights and responsabilities explained in the Lectric Law Library. Fair Credit Billing Act (FCBA) The Fair Credit Billing Act (FCBA) is a United States federal law enacted as an amendment to the Truth in Lending Act (codified at 15 U.S.C.  1601 et seq.).
Galapagos Weather and Climate. The Galapagos Islands are on the equator and the climate does not vary dramatically over the year. The climate of the Islands can best be described as subtropical. There is, however, some variation driven mainly by the ocean currents. December to May can be best described as the warm season.
Extremely draught resistant Opuntia cactuses form arid shrub forests in the lowlands, particularly on the larger islands, like Santa Cruz. At higher elevations, the climate of the Galapagos Islands, Ecuador, is cooler and with more rainfall. As a result there is true forest on the higher mountains thanks to the cooling of the air as it is forced up. When the air cools off, the humidity in the air condenses, thus forming clouds.