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HR 2234 105th Congress House

Dual-Use Debit Cardholder Protection Act of 1997

Official title: To amend the Electronic Fund Transfer Act to eliminate confusion about consumer liability for unauthorized transactions involving debit cards that can be used … Show full official titleShow less

Official title: To amend the Electronic Fund Transfer Act to eliminate confusion about consumer liability for unauthorized transactions involving debit cards that can be used like credit cards, and for other purposes.

Introduced: July 23, 1997 Introduced by: Schumer, Charles E. Democratic · New York See on congress.gov
Finance and Financial Sector CommerceConsumer creditConsumer educationConsumer protection
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Debit cardsElectronic funds transfersIdentification devicesLawLiability (Law)Science, Technology, Communications
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This bill died when the 105th Congress ended
It never became law before the 105th Congress (1997–1998) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 30, 1997
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Jul 23, 1997
Referred to the House Committee on Banking and Financial Services.
Jul 23, 1997
Introduced in House
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 Latest action July 30, 1997

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Dual-Use Debit Cardholder Protection Act of 1997 - Amends the Electronic Fund Transfer Act to provide that if an unauthorized electronic fund transfer has been initiated with a card that does not require the use of a unique identifier (such as a fingerprint or retina scan), consumer liability will be determined as if the transfer were an extension of credit. Declares that a signature shall not be treated as a unique identifier for purposes of this Act.

Denies consumer liability for unauthorized electronic fund transfers unless the consumer has received notice of liability for such transfers, and of the advisability of prompt reporting of any loss, theft, or unauthorized use of a card, code, or other means of access.

Permits distribution to consumers of electronic fund transfer cards without unique identifiers only if certain validation requirements are met.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 2234: Dual-Use Debit Cardholder Protection Act of 1997. 105th Congress. Open America. https://openamerica.io/bill/105-HR-2234/
MLA
"H.R. 2234: Dual-Use Debit Cardholder Protection Act of 1997." 105th Congress, 2026, Open America, https://openamerica.io/bill/105-HR-2234/.
Bluebook (legal)
H.R. 2234, 105th Cong. (2026), https://openamerica.io/bill/105-HR-2234/.
Markdown link
[H.R. 2234: Dual-Use Debit Cardholder Protection Act of 1997](https://openamerica.io/bill/105-HR-2234/)
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