Consumer Debit Card Protection Act

Limits to $50 any consumer liability for unauthorized electronic fund transfers where the relevant cards do not necessitate a unique identifier, such as a photograph, fingerprint, or retina scan. Conditions such liability upon timely notification to the consumer 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.

Mandates that any financial institution which issues consumer check cards maintain a 24-hour notification system which includes a toll-free telephone number at which personnel are continuously accessible to accept reports of theft, loss, or unauthorized use.

Prohibits consumer liability for fees for insufficient funds due to an unauthorized electronic fund transfer executed by the use of a card lacking a protective device to serve as a unique identifier of the rightful consumer. Requires prompt re-crediting of the consumer's account for any fee imposed before receipt of the consumer's notice of an unauthorized electronic fund transfer.