Public Law 119-73 (01/23/2026)

15 U.S.C. § 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, § 132Pub. L. 91–508, title V, § 502(a)84 Stat. 1126(, as added , , .)

Statutory Notes and Related Subsidiaries

Effective Date

Pub. L. 91–508, title V, § 503(1)84 Stat. 1127

“Section 132 of such Act [this section] takes effect on date of enactment of this title [].”
, , , provided that: