Title 15, Commerce and TradeRelease 119-102
§1693j Suspension of Obligations
Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER VI — ELECTRONIC FUND TRANSFERS › § 1693j
Summary
A system error that stops an agreed electronic payment pauses the payer’s responsibility to pay until it’s fixed and the transfer can go through, unless the payee later asks in writing to be paid some other way.
Full Legal Text
Title 15, §1693j
Commerce and Trade, Source: USLM XML via OLRC
If a system malfunction prevents the effectuation of an electronic fund transfer initiated by a consumer to another person, and such other person has agreed to accept payment by such means, the consumer’s obligation to the other person shall be suspended until the malfunction is corrected and the electronic fund transfer may be completed, unless such other person has subsequently, by written request, demanded payment by means other than an electronic fund transfer.
Reference
Citations & Metadata
Citation
15 U.S.C. § 1693j
Title 15, Commerce and Trade
Last Updated
Aug 21, 2026
Release point: 119-102