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15 U.S.C. 1642: Issuance of credit cardsText contains those laws in effect through Public Law 119-120 (October 7, 2026).
From Title 15-COMMERCE AND TRADECHAPTER 41-CONSUMER CREDIT PROTECTION
Jump To: Source CreditStatutory Notes and Related SubsidiariesEffective Date

§1642. Issuance of credit cards

No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.

( Pub. L. 90–321, title I, § 132 , as added Pub. L. 91–508, title V, § 502(a) , Oct. 26, 1970 , 84 Stat. 1126 .)

Statutory Notes and Related Subsidiaries

Effective Date

Pub. L. 91–508, title V, § 503(1), Oct. 26, 1970, 84 Stat. 1127, provided that:

“Section 132 of such Act [this section] takes effect on date of enactment of this title [Oct. 26, 1970].”