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The assertion that purchases are protected by U.S. federal consumer credit card protection laws is correct. These laws, particularly the Fair Credit Billing Act (FCBA), provide specific protections for consumers when it comes to unauthorized charges or issues with goods and services purchased with credit cards. This means that if there is a problem with an online purchase, including cases of fraud or non-delivery, consumers can dispute charges and may not be held responsible for the unauthorized amounts.

This legal protection helps to ensure that consumers have some level of recourse and support when shopping online, making it a crucial aspect of web site security. It’s important to remember that while it offers a measure of safety, it doesn’t eliminate potential risks associated with online transactions, which require cautiousness and the use of secure payment methods.

In contrast, relying on security seals alone does not guarantee a site's safety, as neither the presence of a seal nor a certification ensures that the site has not been compromised or that the transaction will be secure. Moreover, the assertion that online shopping is always safe regardless of payment method is misleading, as safety can vary widely depending on practices and technologies used by each individual site and consumer.