Credit Card Accountability Responsibility and Disclosure Act of 2009/Title IV

{{SECTION|SEC. 401.|SEC. 401}}. GENERAL-USE PREPAID CARDS, GIFT CERTIFICATES, AND STORE GIFT CARDS.

 * The Electronic Fund Transfer Act (15 U.S.C. 1693 et seq.) is amended—
 * (1) by redesignating sections 915 through 921 as sections 916 through 922, respectively; and
 * (2) by inserting after section 914 the following:

{{SECTION|SEC. 402.|SEC. 402}}. RELATION TO STATE LAWS.

 * Section 920 of the Electronic Fund Transfer Act (as redesignated by this title) is amended by inserting “dormancy fees, inactivity charges or fees, service fees, or expiration dates of gift certificates, store gift cards, or general-use prepaid cards,” after “electronic fund transfers,”.

{{SECTION|SEC. 403.|SEC. 403}}. EFFECTIVE DATE.

 * This title and the amendments made by this title shall become effective 15 months after the date of enactment of this Act.