My wife works for Union Bank which is now Mitsubishi Financial Corp. She is an assistant VP for transactional world banking. Here is how it goes and you can call AT&T to confirm it with them. First charge is a pre auth which comes off after 3 days, then they don't charge again till they ship. Believe what you want man, you have a lot of hostility.
Not sure how you read pointing out you and your wife are factually incorrect about what federal law actually says is "hostility"
Are you that insecure about someone showing you're wrong?
Because honestly the only hostility I've seen is your defensiveness that your wife could possibly have been mistaken (and she was)
I notice you've changed your story from "IT'S FEDERAL LAW" to "It's AT&T policy" though, so that's at least a first step in admitting you were wrong