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passerbytiny 美国法典 Title 15 › Chapter 41 › Subchapter I › Part B › § 1643
15 U.S. Code § 1643 - Liability of holder of credit card
(a) Limits on liability
(1) A cardholder shall be liable for the unauthorized use of a credit card only if —
(A) the card is an accepted credit card;
(B) the liability is not in excess of $50;
(C) the card issuer gives adequate notice to the cardholder of the potential liability;
(D) the card issuer has provided the cardholder with a description of a means by which the card issuer may be notified of loss or theft of the card, which description may be provided on the face or reverse side of the statement required by section 1637(b) of this title or on a separate notice accompanying such statement;
(E) the unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise; 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 reasonably required in the ordinary course of business to provide the card issuer with the pertinent information have been taken, whether or not any particular officer, employee, or agent of the card issuer does in fact receive such information.
简要解释：
https://www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cardsCredit Card Loss or Fraudulent Charges
Under the FCBA, your liability for unauthorized use of your credit card tops out at $50. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didn ’ t authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.
主流发卡机构
VISA
https://www.visa.com/chip/personal/security/zero-liability.jspVisa's Zero Liability Policy is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.
万事达
https://www.mastercard.us/en-us/about-mastercard/what-we-do/terms-of-use/zero-liability-terms-conditions.htmlHave peace of mind knowing that the financial institution that issued your Mastercard won't hold you responsible for “ unauthorized transactions.” As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if:
You have used reasonable care in protecting your card from loss or theft; and
You promptly reported loss or theft to your financial institution.
还需要什么其他支持材料以证明美国联邦法律的条款吗？