I 
111TH CONGRESS 
1ST SESSION H. R. 1882 
To amend the Truth in Lending Act to provide safeguards for credit card 
holders whose accounts were, or are about to be, terminated for inac-
tivity, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 2, 2009 
Mrs. DAVIS of California (for herself and Mr. JONES) introduced the following 
bill; which was referred to the Committee on Financial Services 
A BILL 
To amend the Truth in Lending Act to provide safeguards 
for credit card holders whose accounts were, or are about 
to be, terminated for inactivity, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. PROVISIONS RELATED TO CREDIT CARD TER-
MINATIONS DUE TO INACTIVITY. 
(a) IN GENERAL.—Section 127 of the Truth in Lend-
ing Act (15 U.S.C. 1637) is amended by adding at the 
end the following new subsection: 
‘‘(i) PROVISIONS RELATED TO CREDIT CARD AC-
COUNT TERMINATIONS DUE TO INACTIVITY.— 
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‘‘(1) TERMINATION NOTICE.—A credit card ac-
count under an open end consumer credit plan shall 
not be terminated for inactivity unless, not less than 
60 days prior to the date of such termination, the 
card issuer transmits to the cardholder a clear and 
conspicuous disclosure that the cardholder’s account 
will be terminated for inactivity, along with the ex-
pected date of such termination. 
‘‘(2) NO
TERMINATION
FOR
INACTIVITY
IF 
CARD IS USED WITHIN NOTICE PERIOD.—If, after 
receiving the disclosure described under paragraph 
(1), but before the termination of the account for in-
activity, a cardholder uses the credit card, then the 
credit card account cannot be terminated for inac-
tivity. 
‘‘(3) REQUIRED
30-DAY
REACTIVATION
WIN-
DOW.— 
‘‘(A) IN
GENERAL.—If, within 30 days 
after the date of the termination for inactivity 
of a credit card account under an open end con-
sumer credit plan, the cardholder notifies the 
card issuer that the cardholder wants to con-
tinue using the credit card account, the card 
issuer shall reopen the account. 
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‘‘(B) USE REQUIRED WITHIN 30 DAYS.— 
With respect to an account reopened under sub-
paragraph (A), the card issuer may perma-
nently close such account if the cardholder does 
not make use of the credit card account within 
30 days after the date of the reopening of such 
account. 
‘‘(4) APPEAL
OF
TERMINATION
DUE
TO 
ERROR.—If, within 60 days after the date a credit 
card account under an open end consumer credit 
plan is terminated for inactivity, the cardholder of 
such credit card account notifies the card issuer that 
the cardholder believes the account was terminated 
for inactivity due solely to an administrative or cler-
ical error on the part of the card issuer, the card 
issuer shall make an investigation to determine 
whether such an error occurred. The card issuer 
shall transmit to the cardholder the results of such 
investigation and, if the card issuer determines that 
such an error did occur, the card issuer shall reopen 
the credit card account.’’. 
(b) EFFECTIVE DATE; REGULATIONS.— 
(1) IN
GENERAL.—The amendment made by 
subsection (a) shall take effect 90 days after the 
date of the enactment of this Act with respect to all 
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credit card accounts under open end consumer credit 
plans. 
(2) REGULATIONS.—The Board of Governors of 
the Federal Reserve System, in consultation with the 
Comptroller of the Currency, the Director of the Of-
fice of Thrift Supervision, the Federal Deposit In-
surance Corporation, the National Credit Union Ad-
ministration Board, and the Federal Trade Commis-
sion, shall, within 90 days after the date of the en-
actment of this Act, prescribe regulations, in final 
form, implementing the amendment made by sub-
section (a). 
Æ 
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