Sections
27 entriesSection 1747Establishes “Song-Beverly Credit Card Act of 1971” as the title’s statutory short name and allows the title to be cited by that…Section 1747.01Establishes legislative intent that provisions of the title having counterparts in the federal Truth in Lending Act essentially conform to that federal…Section 1747.02Defines credit card, accepted credit card, card issuer, cardholder, retailer, unauthorized use, inquiry, timely response, and billing error. Credit card excludes specified…Section 1747.03Exempts electronic fund transfers and specified business-use petroleum purchases made with automated-dispensing keys or card keys from rights and responsibilities based on…Section 1747.04Bars enforcement of any waiver of the title’s provisions by declaring every such waiver contrary to public policy, void, and unenforceable. The…Section 1747.05Prohibits issuing a credit card except in response to an oral or written request or application, or as a renewal or substitution…Section 1747.06Requires a credit-card issuer to verify an address change before issuing a solicited card to a different address and before mailing or…Section 1747.08Prohibits credit-card-accepting businesses from requesting, requiring, or recording cardholder personal identification information in a transaction, subject to specified deposit, cash-advance, fraud-prevention ZIP-code,…Section 1747.09Prohibits businesses accepting credit or debit cards from electronically printing more than the last five account digits or the expiration date on…Section 1747.10Limits a cardholder’s liability for unauthorized credit-card use to $50 and only when all stated conditions are met, including use of an…Section 1747.20Allows a card issuer and an organization receiving 10 or more credit cards for employee use to agree on unauthorized-use liability without…Section 1747.40Bars a card issuer that fails to respond timely to a cardholder’s inquiry about a debit or credit applicable to a credit-card…Section 1747.50Requires a card issuer to correct its billing error within two complete billing cycles and no later than 90 days after receiving…Section 1747.60Requires a retailer to correct its billing error within 60 days after the inquiry is mailed. A late correction makes the retailer…Section 1747.65Exempts a card issuer from liability for a billing error made by a retailer and exempts a retailer from liability for a…Section 1747.70Prohibits a card issuer from knowingly giving false credit information about a cardholder, reporting unfavorable information solely because a disputed excess balance…Section 1747.80Prohibits a card issuer from refusing to issue a credit card solely because of a characteristic listed or defined in the referenced…Section 1747.81Requires a card issuer that has decided in the ordinary course to issue a card to a married woman to issue it…Section 1747.85Prohibits a card issuer from canceling a credit card without 30 days’ written notice unless the cardholder requested cancellation or specified default,…Section 1747.90Allows a cardholder under an open-end consumer credit plan to assert non-tort transaction claims and defenses against the issuer after a good-faith…Section 1747.94Requires secured-credit-card advertisements and solicitations to identify the product as a “secured credit card,” prominently disclose that the credit is secured, and…Section 1748Bars enforcement of a contract term between a card issuer and retailer that prohibits the retailer from offering discounts or a lower…Section 1748.1Prohibits a retailer from imposing a credit-card surcharge in consumer sales, service, or lease transactions, while allowing discounts for noncredit payment offered…Section 1748.5Requires a card issuer, on a cardholder’s request made no more than once annually, to provide the prior calendar year’s total finance…Section 1748.7Prohibits processing credit-card charges through a retailer’s account when that retailer did not furnish or agree to furnish the underlying goods or…Section 1748.9Requires a credit-card issuer extending credit through a preprinted check or draft to place clear, conspicuous disclosures on the front of an…Section 1748.95Requires a credit-card issuer, after receiving the specified identity-theft police report, request, and identifying information, to provide the affected person or designated…