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15 U.S.C. § 1644 — Fraudulent use of credit cards; penalties
Federal law — U.S. Code and appendices · legal_authorities
**(a) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce** Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating $1,000 or more; or
**(b) Transporting, attempting or conspiring to transport card in interstate commerce** Whoever, with unlawful or fraudulent intent, transports or attempts or conspires to transport in interstate or foreign commerce a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained; or
**(c) Use of interstate commerce to sell or transport card** Whoever, with unlawful or fraudulent intent, uses any instrumentality of interstate or foreign commerce to sell or transport a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained; or
**(d) Receipt, concealment, etc., of goods obtained by use of card** Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value (except tickets for interstate or foreign transportation) which (1) within any one-year period has a value aggregating $1,000 or more, (2) has moved in or is part of, or which constitutes interstate or foreign commerce, and (3) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card; or
**(e) Recei
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Source file: Laws/federal/codes/united-states-code/title-15/section-1644-fraudulent-use-of-credit-cards-penalties--14a1912d9d.md
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Source location: Title 15, Chapter 41, § 1644; chapter-041-consumer-credit-protection.md
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**(a) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce** Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating $1,000 or more; or
**(b) Transporting, attempting or conspiring to transport card in interstate commerce** Whoever, with unlawful or fraudulent intent, transports or attempts or conspires to transport in interstate or foreign commerce a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained; or
**(c) Use of interstate commerce to sell or transport card** Whoever, with unlawful or fraudulent intent, uses any instrumentality of interstate or foreign commerce to sell or transport a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained; or
**(d) Receipt, concealment, etc., of goods obtained by use of card** Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value (except tickets for interstate or foreign transportation) which (1) within any one-year period has a value aggregating $1,000 or more, (2) has moved in or is part of, or which constitutes interstate or foreign commerce, and (3) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card; or
**(e) Receipt, concealment, etc., of tickets for interstate or foreign transportation obtained by use of card** Whoever knowingly receives, conceals, uses, sells, or transports in interstate or foreign commerce one or more tickets for interstate or foreign transportation, which (1) within any one-year period have a value aggregating $500 or more, and (2) have been purchased or obtained with one or more counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit cards; or
**(f) Furnishing of money, etc., through use of card** Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating $1,000 or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained— shall be fined not more than $10,000 or imprisoned not more than ten years, or both.
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Federal law — U.S. Code and appendices · legal_authorities
In responding orally to any inquiry about the cost of credit, a creditor, regardless of the method used to compute finance charges, shall state rates only in terms of the annual percentage rate, except that in the case of an open end credit plan, the periodic rate also may be stated and, in the case of an other than open end credit plan where a major component of the finance charge consists of interest computed at a simple annual rate, the simple annual rate also may be stated. The Bureau may, by regulation, modify the requirements of this section or provide an exception from this section for a transaction or class of transactions for which the creditor cannot determine in advance the applicable annual percentage rate.
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Federal law — U.S. Code and appendices · legal_authorities
Page 1528
TITLE 15—COMMERCE AND TRADE
§ 1644
may occur as the result of loss, theft, or other-
wise; and
(F) the card issuer has provided a method
whereby the user of such card can be identified
as the person authorized to use it.
(2) For purposes of this section, a card issuer
has been notified when such steps as may be rea-
sonably required in the ordinary course of busi-
ness to provide the card issuer with the perti-
nent information have been taken, whether or
not any particular officer, employee, or agent of
the card issuer does in fact receive such infor-
mation.
(b) Burden of proof
In any action by a card issuer to enforce li-
ability for the use of a credit card, the burden of
proof is upon the card issuer to show that the
use was authorized or, if the use was unauthor-
ized, then the burden of proof is upon the card
issuer to show that the conditions of liability
for the unauthorized use of a credit card, as set
forth in subsection (a), have been met.
(c) Liability imposed by other laws or by agree-
ment with issuer
Nothing in this section imposes liability upon
a cardholder for the unauthorized use of a credit
card in excess of his liability for such use under
other applicable law or under any agreement
with the card issuer.
(d) Exclusiveness of liability
Except as provided in this section, a card-
holder incurs no liability from the unauthorized
use of a credit card.
(Pub. L. 90–321, title I, § 133, as added Pub. L.
91–508, title V, § 502(a), Oct. 26, 1970, 84 Stat. 1126;
amended Pub. L. 96–221, title VI, § 617, Mar. 31,
1980, 94 Stat. 182.)
Editorial Notes
AMENDMENTS
1980—Subsec. (a). Pub. L. 96–221 revised existing pro-
visions into pars. (1) and (2) and, as so revised, in par.
(1) made changes in structure and phraseology and
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