15 U.S.C. § 1643
Liability of holder of credit card
United States · Title 15 — COMMERCE AND TRADE · Status: effective
Cite this
- Citation
- 15 U.S.C. § 1643, Liability of holder of credit card, United States, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/441197
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Full text
A cardholder shall be liable for the unauthorized use of a credit card only if—
In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection (a), have been met.
Nothing in this section imposes liability upon a cardholder for the unauthorized use of a credit card in excess of his liability for such use under other applicable law or under any agreement with the card issuer.
Except as provided in this section, a cardholder incurs no liability from the unauthorized use of a credit card.
Legislative history
The public laws that enacted or amended this section. Tallies are for the whole bill as it passed each chamber — often an omnibus covering far more than this provision — not a vote on this section alone. The law that originally enacted this section predates the public laws loaded here, so only later amendments are listed.
- Depository Institutions Deregulation and Monetary Control Act of 1980House: no recorded tallySenate: no recorded tally