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  • EnactedJuly 27th, 2010
    The President signed this bill into law
  • The senate Passed July 13th, 2010
    Passed by Voice Vote
      senate Committees
      Senate Committee on Banking, Housing, and Urban Affairs
  • The house has not voted
      house Committees
      House Committee on Financial Services
    IntroducedJune 10th, 2010

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Bill Details

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Official Title

To amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009.


Amends the Credit Card Accountability Responsibility and Disclosure Act of 2009 to state that, in the case of a gift certificate, store gift card, or general-use prepaid card produced before April 1, 2010, the effective date of certain disclosure requirements under the Electronic Funds Transfer Act pertaining to fees shall be delayed until January 31, 2011. Requires the issuer of such a certificate or card, as a condition of such delayed effective date, to: (1) comply with a specified prohibition against and certain requirements for the imposition of any dormancy, inactivity, or service fees; (2) consider any such certificate or card for which funds expire to have no expiration date with respect to the underlying funds; (3) replace, at consumer request, any such certificate or card that has funds remaining at no cost to the consumer; and (4) comply with certain consumer rights disclosure requirements.

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