{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/6.2-432.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/6.2-432.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/6.2-432.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/6.2-432.html"}],"law_id":374261,"edition_id":2,"section_id":374261,"structure_id":53216,"section_number":"6.2-432","catch_line":"Credit card account disclosures","history":"1987, cc. 622, 639, 714, \u00a7\u00a7 6.1-330.63, 6.1-330.78; 1992, Sp. Sess., c. 4; 1997, c. 112; 2005, c. 670; 2009, cc. 784, 860; 2010, c. 794; 2016, c. 501.","full_text":"Any application form or preapproved written solicitation for an open-end credit card account to be used for personal, family, or household purposes that is mailed to a consumer residing in the Commonwealth by or on behalf of a creditor, whether or not the creditor is located in the Commonwealth, other than an application form or solicitation included in a magazine, newspaper, or other publication distributed by someone other than the creditor, shall contain or be accompanied by a disclosure that satisfies the initial disclosure requirements of Consumer Financial Protection Bureau Regulation Z (12 C.F.R. Part 1026).\n\n","order_by":null,"text":{"0":{"id":1397183,"text":"Any application form or preapproved written solicitation for an open-end credit card account to be used for personal, family, or household purposes that is mailed to a consumer residing in the Commonwealth by or on behalf of a creditor, whether or not the creditor is located in the Commonwealth, other than an application form or solicitation included in a magazine, newspaper, or other publication distributed by someone other than the creditor, shall contain or be accompanied by a disclosure that satisfies the initial disclosure requirements of Consumer Financial Protection Bureau Regulation Z (12 C.F.R. Part 1026).","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":53216,"edition_id":2,"name":"Credit Cards","identifier":"3","label":"article","depth":4,"order_by":3,"parent_id":53213,"metadata":{"child_laws":9,"child_structures":0},"date_created":"2026-08-02 03:13:14","date_modified":"2026-08-02 12:27:56","permalink":{"id":1490567,"object_type":"structure","relational_id":53216,"identifier":"3","token":"6.2\/I\/4\/3","url":"\/6.2\/I\/4\/3\/","edition_id":2,"permalink":0,"preferred":1}},{"id":53213,"edition_id":2,"name":"Certain Lending Practices","identifier":"4","label":"chapter","depth":3,"order_by":4,"parent_id":53153,"metadata":{"child_laws":38,"child_structures":5},"date_created":"2026-08-02 03:13:11","date_modified":"2026-08-02 12:27:55","permalink":{"id":1490465,"object_type":"structure","relational_id":53213,"identifier":"4","token":"6.2\/I\/4","url":"\/6.2\/I\/4\/","edition_id":2,"permalink":0,"preferred":1}},{"id":53153,"edition_id":2,"name":"General Provisions","identifier":"I","label":"subtitle","depth":2,"order_by":1,"parent_id":53152,"metadata":{"child_laws":99,"child_structures":18},"date_created":"2026-08-02 03:11:41","date_modified":"2026-08-02 12:27:54","permalink":{"id":1490253,"object_type":"structure","relational_id":53153,"identifier":"I","token":"6.2\/I","url":"\/6.2\/I\/","edition_id":2,"permalink":0,"preferred":1}},{"id":53152,"edition_id":2,"name":"Financial Institutions and Services","identifier":"6.2","label":"title","depth":1,"order_by":10,"parent_id":null,"metadata":{"child_laws":961,"child_structures":89},"date_created":"2026-08-02 03:11:41","date_modified":"2026-08-02 12:27:53","permalink":{"id":1490251,"object_type":"structure","relational_id":53152,"identifier":"6.2","token":"6.2","url":"\/6.2\/","edition_id":2,"permalink":0,"preferred":1}}],"structure_contents":[{"id":374253,"structure_id":53216,"section_number":"6.2-424","catch_line":"Definitions","url":"\/6.2-424\/","token":"6.2\/I\/4\/3\/6.2-424","metadata":false},{"id":374254,"structure_id":53216,"section_number":"6.2-425","catch_line":"Cardholder not liable in absence of request for, consent to issuance of, or use of card","url":"\/6.2-425\/","token":"6.2\/I\/4\/3\/6.2-425","metadata":false},{"id":374255,"structure_id":53216,"section_number":"6.2-426","catch_line":"When request, consent, or use not condition precedent to liability","url":"\/6.2-426\/","token":"6.2\/I\/4\/3\/6.2-426","metadata":false},{"id":374256,"structure_id":53216,"section_number":"6.2-427","catch_line":"Costs and attorney fee in suit on card; evidence of request or consent","url":"\/6.2-427\/","token":"6.2\/I\/4\/3\/6.2-427","metadata":false},{"id":374257,"structure_id":53216,"section_number":"6.2-428","catch_line":"Production of credit card number as condition of check cashing or acceptance prohibited","url":"\/6.2-428\/","token":"6.2\/I\/4\/3\/6.2-428","metadata":false},{"id":374258,"structure_id":53216,"section_number":"6.2-429","catch_line":"Improper use of payment device numbers","url":"\/6.2-429\/","token":"6.2\/I\/4\/3\/6.2-429","metadata":false},{"id":374259,"structure_id":53216,"section_number":"6.2-430","catch_line":"Place where transaction occurred; federal Fair Credit Billing Act","url":"\/6.2-430\/","token":"6.2\/I\/4\/3\/6.2-430","metadata":false},{"id":374260,"structure_id":53216,"section_number":"6.2-431","catch_line":"Certain cards excepted","url":"\/6.2-431\/","token":"6.2\/I\/4\/3\/6.2-431","metadata":false},{"id":374261,"structure_id":53216,"section_number":"6.2-432","catch_line":"Credit card account disclosures","url":"\/6.2-432\/","token":"6.2\/I\/4\/3\/6.2-432","metadata":false}],"previous_section":{"id":374260,"structure_id":53216,"section_number":"6.2-431","catch_line":"Certain cards excepted","url":"\/6.2-431\/","token":"6.2\/I\/4\/3\/6.2-431","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/6.2-432\/","history_text":"

This law was first created in 1987. The record of its establishment is cataloged in chapters 622, 639, and 714 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1987 \u201cActs\u201d aren\u2019t available online. It has been modified 5 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1997, chapter 112<\/a>; in 2005, chapter 670<\/a>; in 2009, chapters 784<\/a> and 860<\/a>; in 2010, chapter 794<\/a>; in 2016, chapter 501<\/a>.<\/p>","references":false,"refers_to":false,"permalink":{"id":1490601,"object_type":"law","relational_id":374261,"identifier":"6.2-432","token":"6.2\/I\/4\/3\/6.2-432","url":"\/6.2-432\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/6.2-432\/","token":"6.2\/I\/4\/3\/6.2-432","dublin_core":{"Title":"Credit card account disclosures","Type":"Text","Format":"text\/html","Identifier":"\u00a7 6.2-432","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

Any application form or preapproved written solicitation for an open-end credit card<\/span> account to be used for personal, family, or household purposes that is mailed to a consumer residing in the Commonwealth by or on behalf of a creditor<\/span>, whether or not the creditor<\/span> is located in the Commonwealth, other than an application form or solicitation included in a magazine, newspaper, or other publication distributed by someone other than the creditor<\/span>, shall contain or be accompanied by a disclosure that satisfies the initial disclosure requirements of Consumer Financial Protection Bureau<\/span> Regulation Z (12 C.F.R. Part 1026).<\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nCREDIT CARD ACCOUNT DISCLOSURES (\u00a7 6.2-432)\n\nAny application form or preapproved written solicitation for an open-end credit\ncard account to be used for personal, family, or household purposes that is\nmailed to a consumer residing in the Commonwealth by or on behalf of a creditor,\nwhether or not the creditor is located in the Commonwealth, other than an\napplication form or solicitation included in a magazine, newspaper, or other\npublication distributed by someone other than the creditor, shall contain or be\naccompanied by a disclosure that satisfies the initial disclosure requirements\nof Consumer Financial Protection Bureau Regulation Z (12 C.F.R. Part 1026).\n\nHISTORY: 1987, cc. 622, 639, 714, \u00a7\u00a7 6.1-330.63, 6.1-330.78; 1992, Sp. Sess.,\nc. 4; 1997, c. 112; 2005, c. 670; 2009, cc. 784, 860; 2010, c. 794; 2016, c.\n501.","edition":{"id":2,"name":"2026","slug":"2026","date_created":"2026-07-16 18:40:23","date_modified":"2026-08-02 15:14:36","current":1,"order_by":2,"last_import":"2026-08-02 12:37:30"}}