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republic-os/legal/us/code/title-15/chapter-41/section-1651.md
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now, uniform edition; Title 53 is reserved/empty). LegalText 11,221 ->
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Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
2026-07-06 10:51:44 -04:00

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---
type: "LegalText"
title: "15 U.S.C. § 1651"
description: "Procedure for timely settlement of estates of decedent obligors"
jurisdiction: "us"
corpus: "united_states_code"
kind: "code_section"
title_number: 15
title_name: "COMMERCE AND TRADE"
chapter_number: "41"
chapter_name: "CONSUMER CREDIT PROTECTION"
section: "1651"
citation: "15 U.S.C. § 1651"
status: "current"
release_point: "119-100"
release_date: "2026-06-26"
source: "official"
source_url: "https://uscode.house.gov/download/releasepoints/us/pl/119/100/xml_usc15@119-100.zip"
source_identifier: "/us/usc/t15/s1651"
source_file: "data/legal/raw/us/code/title-15/usc15.xml"
source_hash: "985b44947a21bdb9fb6fc9c2aa422f58c42eac8a6b32798eeb7e82e40a276a7d"
raw_snapshot_hash: "6982338d990ef19d6b52bff6825089bdd6d0ee1233d9382673faf533decd5059"
text_hash: "3bcd3aa812ca9304589361c677ec9b685389f2f60cf3580e80537835e89c5b26"
retrieved_at: "2026-07-04"
confidence: "official"
tags: ["legal", "us-code"]
---
# 15 U.S.C. § 1651 - Procedure for timely settlement of estates of decedent obligors
## Text
The Bureau, in consultation with the Bureau 11 So in original. and each other agency referred to in section 1607(a) of this title, shall prescribe regulations to require any creditor, with respect to any credit card account under an open end consumer credit plan, to establish procedures to ensure that any administrator of an estate of any deceased obligor with respect to such account can resolve outstanding credit balances in a timely manner.
(Pub. L. 90321, title I, § 140A, as added Pub. L. 11124, title V, § 504(a), May 22, 2009, 123 Stat. 1756; amended Pub. L. 111203, title X, § 1100A(2), (3), July 21, 2010, 124 Stat. 2107.)
## Notes
Editorial Notes
Amendments2010—Pub. L. 111203, § 1100A(3), substituted “the Bureau” for “the Federal Trade Commission”. Pub. L. 111203, § 1100A(2), substituted “The Bureau” for “The Board”.
Statutory Notes and Related Subsidiaries
Effective Date of 2010 AmendmentAmendment by Pub. L. 111203 effective on the designated transfer date, see section 1100H of Pub. L. 111203, set out as a note under section 552a of Title 5, Government Organization and Employees.
Effective DateSection effective 9 months after May 22, 2009, except as otherwise specifically provided, see section 3 of Pub. L. 11124, set out as an Effective Date of 2009 Amendment note under section 1602 of this title.