What Obligations Does A Credit Card Company Have When My Credit Card Is Stolen?

As a credit card holder you are protected by the Consumer Protection Act which includes more detailed consumer provisions in the Truth in Lending Act. The Truth in Lending Act (TLA) covers specific areas of card issuance and liability for lost or stolen cards. Unless you apply for a credit card federal law prevents an issuer from giving you a card. Cards can only be issued if you apply for a new card or if you renew your old credit card.