Title 15 — Commerce and TradeRelease 119-73not60

§1693j Suspension of Obligations

Title 15 › Chapter 41— CONSUMER CREDIT PROTECTION › Subchapter VI— ELECTRONIC FUND TRANSFERS › § 1693j

Last updated Apr 3, 2026|Official source

Summary

If a system error stops an electronic payment the payee agreed to accept, the consumer's duty is paused until it's fixed, unless the payee later requests payment in writing another 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

Apr 3, 2026

Release point: 119-73not60