To amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009.
Public Law 111-209 · H.R. 5502 · 111th Congress · began in the House
Signed by Barack Obama (D) on Jul 27, 2010 · Finance and Financial Sector
Sponsor: Rep. Daniel Maffei (D-NY-25)
Cosponsors (6): Rep. Carolyn Maloney, Rep. Carolyn McCarthy,
Passage votesYeaNay
- HouseRecorded vote: 357 yea, 0 nay357–0
- SenateUnanimous consent
Data notes
The final version of the law, as each chamber passed it. A chamber that passed it by voice vote or unanimous consent has no count. “Method not stated” means the record does not say how the chamber voted. Where the record has a member-by-member vote, the “Who voted for it” section shows who voted yea.
Summary
The Congressional Research Service’s plain-language summary of what the law does.
Amends the Credit Card Accountability Responsibility and Disclosure Act of 2009 to state that, in the case of a gift certificate, store gift card, or general-use prepaid card produced before April 1, 2010, the effective date of certain disclosure requirements under the Electronic Funds Transfer Act pertaining to fees shall be delayed until January 31, 2011.
Requires the issuer of such a certificate or card, as a condition of such delayed effective date, to: (1) comply with a specified prohibition against and certain requirements for the imposition of any dormancy, inactivity, or service fees; (2) consider any such certificate or card for which funds expire to have no expiration date with respect to the underlying funds; (3) replace, at consumer request, any such certificate or card that has funds remaining at no cost to the consumer; and (4) comply with certain consumer rights disclosure requirements.
Who voted for it
Every House member of the 111th Congress on the ideology compass. Highlighted: the 357 who voted yea on final passage. Faded: everyone else, including those who voted nay, did not vote, or had not yet taken office.
357 yea0 nay75 present or did not vote
Democrats who voted yea(210)
Rep. Barbara LeeD-CA-9
Rep. Lynn WoolseyD-CA-6
Rep. Jim McDermottD-WA-7
Rep. Maurice HincheyD-NY-22
Rep. Gwen MooreD-WI-4
Rep. Donna EdwardsD-MD-4
Rep. Marcia FudgeD-OH-11
Rep. Yvette ClarkeD-NY-11
Rep. John OlverD-MA-1
Rep. Tammy BaldwinD-WI-2
Rep. Bob FilnerD-CA-51
Rep. Diane WatsonD-CA-33
Rep. John ConyersD-MI-14
Rep. Jim ClyburnD-SC-6
Rep. Keith EllisonD-MN-5
Rep. Eddie JohnsonD-TX-30
Rep. Mazie HironoD-HI-2
Rep. Donald PayneD-NJ-10
Rep. John LewisD-GA-5
Rep. Jim McGovernD-MA-3
Rep. Barney FrankD-MA-4
Rep. José SerranoD-NY-16
Rep. Linda SánchezD-CA-39
Rep. Nydia VelázquezD-NY-12
Rep. Jan SchakowskyD-IL-9
Rep. Mel WattD-NC-12
Rep. Xavier BecerraD-CA-31
Rep. Jerrold NadlerD-NY-8
Rep. Lucille Roybal-AllardD-CA-34
Rep. Sheila Jackson LeeD-TX-18
Rep. Henry WaxmanD-CA-30
Rep. George MillerD-CA-7
Rep. Judy ChuD-CA-32
Rep. Rush HoltD-NJ-12
Rep. Alcee HastingsD-FL-23
Rep. Jesse JacksonD-IL-2
Rep. Sam FarrD-CA-17
Rep. Michael DoyleD-PA-14
Rep. Bennie ThompsonD-MS-2
Rep. Earl BlumenauerD-OR-3
Rep. David PriceD-NC-4
Rep. Niki TsongasD-MA-5
Rep. Ed MarkeyD-MA-7
Rep. Chellie PingreeD-ME-1
Rep. Doris MatsuiD-CA-5
Rep. John GaramendiD-CA-10
Rep. André CarsonD-IN-7
Rep. Peter WelchD-VT
Rep. Lois CappsD-CA-23
Rep. John LarsonD-CT-1
Rep. Joe CrowleyD-NY-7
Rep. John TierneyD-MA-6
Rep. Emanuel CleaverD-MO-5
Rep. Charlie RangelD-NY-15
Rep. Wm. ClayD-MO-1
Rep. Zoe LofgrenD-CA-16
Rep. Patrick KennedyD-RI-1
Rep. James OberstarD-MN-8
Rep. Brad ShermanD-CA-27
Rep. Dave ObeyD-WI-7
Rep. John DingellD-MI-15
Rep. Rosa DeLauroD-CT-3
Rep. Betty McCollumD-MN-4
Rep. Eliot EngelD-NY-17
Rep. Frank PalloneD-NJ-6
Rep. Elijah CummingsD-MD-7
Rep. Kathy CastorD-FL-11
Rep. Steve CohenD-TN-9
Rep. Richard NealD-MA-2
Rep. Diana DeGetteD-CO-1
Rep. Ed PastorD-AZ-4
Rep. Hank JohnsonD-GA-4
Rep. Al GreenD-TX-9
Rep. Bobby ScottD-VA-3
Rep. Phil HareD-IL-17
Rep. Debbie Wasserman SchultzD-FL-20
Rep. Rob AndrewsD-NJ-1
Rep. Anna EshooD-CA-14
Rep. Steny HoyerD-MD-5
Rep. Nick RahallD-WV-3
Rep. Sander LevinD-MI-12
Rep. Steven RothmanD-NJ-9
Rep. Jackie SpeierD-CA-12
Rep. Gregory MeeksD-NY-6
Rep. Chris Van HollenD-MD-8
Rep. Silvestre ReyesD-TX-16
Rep. Tim RyanD-OH-17
Rep. Dale KildeeD-MI-5
Rep. Gary AckermanD-NY-5
Rep. Paul TonkoD-NY-21
Rep. Bruce BraleyD-IA-1
Rep. Ben LujánD-NM-3
Rep. Rubén HinojosaD-TX-15
Rep. David ScottD-GA-13
Rep. Nita LoweyD-NY-18
Rep. Brad MillerD-NC-13
Rep. Charlie GonzalezD-TX-20
Rep. Susan DavisD-CA-53
Rep. Adam SchiffD-CA-29
Rep. Gene GreenD-TX-29
Rep. Rick LarsenD-WA-2
Rep. Bill PascrellD-NJ-8
Rep. Joe BacaD-CA-43
Rep. Alan MollohanD-WV-1
Rep. Jim LangevinD-RI-2
Rep. Jared PolisD-CO-2
Rep. Steve IsraelD-NY-2
Rep. Steve KagenD-WI-8
Rep. Laura RichardsonD-CA-37
Rep. Ted DeutchD-FL-19
Rep. Bobby RushD-IL-1
Rep. Solomon OrtizD-TX-27
Rep. Brian HigginsD-NY-27
Rep. Ed PerlmutterD-CO-7
Rep. Jane HarmanD-CA-36
Rep. Joe CourtneyD-CT-2
Rep. Norm DicksD-WA-6
Rep. Bart StupakD-MI-1
Rep. Mike ThompsonD-CA-1
Rep. Alan GraysonD-FL-8
Rep. John SprattD-SC-5
Rep. Charles WilsonD-OH-6
Rep. Russ CarnahanD-MO-3
Rep. Sanford BishopD-GA-2
Rep. Shelley BerkleyD-NV-1
Rep. A. Dutch RuppersbergerD-MD-2
Rep. Allyson SchwartzD-PA-13
Rep. Kendrick MeekD-FL-17
Rep. Paul KanjorskiD-PA-11
Rep. Carol Shea-PorterD-NH-1
Rep. Christopher MurphyD-CT-5
Rep. John HallD-NY-19
Rep. Carolyn McCarthyD-NY-4
Rep. Lloyd DoggettD-TX-25
Rep. David WuD-OR-1
Rep. Mary Jo KilroyD-OH-15
Rep. Peter ViscloskyD-IN-1
Rep. Ciro RodriguezD-TX-23
Rep. David LoebsackD-IA-2
Rep. Peter DeFazioD-OR-4
Rep. Marion BerryD-AR-1
Rep. Dennis KucinichD-OH-10
Rep. Leonard BoswellD-IA-3
Rep. Vic SnyderD-AR-2
Rep. Gerald ConnollyD-VA-11
Rep. Earl PomeroyD-ND
Rep. Bob EtheridgeD-NC-2
Rep. Joe SestakD-PA-7
Rep. Mark CritzD-PA-12
Rep. Timothy BishopD-NY-1
Rep. Marcy KapturD-OH-9
Rep. Timothy WalzD-MN-1
Rep. Ron KleinD-FL-22
Rep. Dennis MooreD-KS-3
Rep. Kurt SchraderD-OR-5
Rep. Martin HeinrichD-NM-1
Rep. Lincoln DavisD-TN-4
Rep. Adam SmithD-WA-9
Rep. Patrick MurphyD-PA-8
Rep. Dennis CardozaD-CA-18
Rep. Larry KissellD-NC-8
Rep. Rick BoucherD-VA-9
Rep. Ben ChandlerD-KY-6
Rep. Daniel MaffeiD-NY-25
Rep. Dina TitusD-NV-3
Rep. Chet EdwardsD-TX-17
Rep. Henry CuellarD-TX-28
Rep. Mark SchauerD-MI-7
Rep. Michael MichaudD-ME-2
Rep. Ron KindD-WI-3
Rep. Collin PetersonD-MN-7
Rep. Mike RossD-AR-4
Rep. Jim CostaD-CA-20
Rep. Jim HimesD-CT-4
Rep. Jerry McNerneyD-CA-11
Rep. Betsy MarkeyD-CO-4
Rep. William OwensD-NY-23
Rep. John BarrowD-GA-12
Rep. Steve DriehausD-OH-1
Rep. Deborah HalvorsonD-IL-11
Rep. John BoccieriD-OH-16
Rep. Gary PetersD-MI-9
Rep. Kathleen DahlkemperD-PA-3
Rep. Melissa BeanD-IL-8
Rep. Bill FosterD-IL-14
Rep. Jim CooperD-TN-5
Rep. Michael ArcuriD-NY-24
Rep. Suzanne KosmasD-FL-24
Rep. Zack SpaceD-OH-18
Rep. Michael McMahonD-NY-13
Rep. Christopher CarneyD-PA-10
Rep. Harry TeagueD-NM-2
Rep. Stephanie Herseth SandlinD-SD
Rep. Jim MarshallD-GA-8
Rep. Jason AltmireD-PA-4
Rep. Thomas PerrielloD-VA-5
Rep. Dan BorenD-OK-2
Rep. Mike McIntyreD-NC-7
Rep. John AdlerD-NJ-3
Rep. Scott MurphyD-NY-20
Rep. Brad EllsworthD-IN-8
Rep. Joe DonnellyD-IN-2
Rep. Gabrielle GiffordsD-AZ-8
Rep. Ann KirkpatrickD-AZ-1
Rep. Frank KratovilD-MD-1
Rep. Glenn NyeD-VA-2
Rep. Travis ChildersD-MS-1
Rep. Harry MitchellD-AZ-5
Rep. Bobby BrightD-AL-2
Rep. Walter MinnickD-ID-1
Republicans who voted yea(147)
Rep. Tim MurphyR-PA-18
Rep. Chris SmithR-NJ-4
Rep. David ReichertR-WA-8
Rep. Walter JonesR-NC-3- Rep. Charles DjouR-HI-1
Rep. Steven LaTouretteR-OH-14
Rep. Frank LoBiondoR-NJ-2
Rep. Ileana Ros-LehtinenR-FL-18
Rep. Michael TurnerR-OH-3
Rep. Mario Diaz-BalartR-FL-25
Rep. Charles DentR-PA-15
Rep. Pete KingR-NY-3
Rep. Don YoungR-AK
Rep. Shelley CapitoR-WV-2
Rep. Todd PlattsR-PA-19
Rep. Michael CastleR-DE
Rep. Rodney FrelinghuysenR-NJ-11
Rep. Frank WolfR-VA-10
Rep. Jo Ann EmersonR-MO-8
Rep. Judy BiggertR-IL-13
Rep. Tom LathamR-IA-4
Rep. Candice MillerR-MI-10
Rep. Mike RogersR-AL-3
Rep. Ed WhitfieldR-KY-1
Rep. Vern BuchananR-FL-13
Rep. Leonard LanceR-NJ-7
Rep. Ander CrenshawR-FL-4
Rep. Vernon EhlersR-MI-3
Rep. Tom ColeR-OK-4
Rep. Adam PutnamR-FL-12
Rep. Christopher LeeR-NY-26
Rep. Fred UptonR-MI-6
Rep. Glenn ThompsonR-PA-5
Rep. Brett GuthrieR-KY-2
Rep. Robert AderholtR-AL-4
Rep. Denny RehbergR-MT
Rep. Lamar SmithR-TX-21
Rep. Aaron SchockR-IL-18
Rep. Ginny Brown-WaiteR-FL-5
Rep. Ken CalvertR-CA-44
Rep. Dave CampR-MI-4
Rep. Rodney AlexanderR-LA-5
Rep. Bill ShusterR-PA-9
Rep. Spencer BachusR-AL-6
Rep. Frank LucasR-OK-3
Rep. Jerry LewisR-CA-41
Rep. Brian BilbrayR-CA-50
Rep. Gus BilirakisR-FL-9
Rep. David DreierR-CA-26
Rep. Mary Bono MackR-CA-45
Rep. Robert WittmanR-VA-1
Rep. Buck McKeonR-CA-25
Rep. Elton GalleglyR-CA-24
Rep. Parker GriffithD-AL-5
Rep. Bill PoseyR-FL-15
Rep. Thad McCotterR-MI-11
Rep. Kay GrangerR-TX-12
Rep. Gary MillerR-CA-42
Rep. Timothy JohnsonR-IL-15
Rep. Steve BuyerR-IN-4
Rep. Erik PaulsenR-MN-3
Rep. John MicaR-FL-7
Rep. Lee TerryR-NE-2
Rep. Geoff DavisR-KY-4
Rep. Mike RogersR-MI-8
Rep. Pat TiberiR-OH-12
Rep. Steve AustriaR-OH-7
Rep. Doc HastingsR-WA-4
Rep. Ralph HallR-TX-4
Rep. Roy BluntR-MO-7
Rep. Gregg HarperR-MS-3
Rep. Thomas RooneyR-FL-16
Rep. John CulbersonR-TX-7
Rep. Cathy McMorris RodgersR-WA-5
Rep. Michael McCaulR-TX-10
Rep. John ShimkusR-IL-19
Rep. Daniel LungrenR-CA-3
Rep. Duncan HunterR-CA-52
Rep. Roscoe BartlettR-MD-6
Rep. Todd TiahrtR-KS-4
Rep. Joe BartonR-TX-6
Rep. Peter RoskamR-IL-6
Rep. Blaine LuetkemeyerR-MO-9
Rep. Kevin McCarthyR-CA-22
Rep. Bill CassidyR-LA-6
Rep. Sam GravesR-MO-6
Rep. Phil RoeR-TN-1
Rep. Dean HellerR-NV-2
Rep. Jean SchmidtR-OH-2
Rep. Donald ManzulloR-IL-16
Rep. John FlemingR-LA-4
Rep. John SullivanR-OK-1
Rep. Adrian SmithR-NE-3
Rep. Charles BoustanyR-LA-7
Rep. Lynn JenkinsR-KS-2
Rep. Rob BishopR-UT-1
Rep. Robert LattaR-OH-5
Rep. John KlineR-MN-2
Rep. Joseph PittsR-PA-16
Rep. Tom PetriR-WI-6
Rep. Phil GingreyR-GA-11
Rep. Pete OlsonR-TX-22
Rep. Eric CantorR-VA-7
Rep. Cliff StearnsR-FL-6
Rep. Bob GoodlatteR-VA-6
Rep. Dan BurtonR-IN-5
Rep. Mike CoffmanR-CO-6
Rep. Steve ScaliseR-LA-1
Rep. John BoehnerR-OH-8
Rep. Howard CobleR-NC-6
Rep. Patrick McHenryR-NC-10
Rep. Wally HergerR-CA-2
Rep. Michele BachmannR-MN-6
Rep. Ted PoeR-TX-2
Rep. Michael BurgessR-TX-26
Rep. Paul RyanR-WI-1
Rep. Connie MackR-FL-14
Rep. Pete SessionsR-TX-32
Rep. Mac ThornberryR-TX-13
Rep. Marsha BlackburnR-TN-7
Rep. Sam JohnsonR-TX-3
Rep. Jack KingstonR-GA-1
Rep. Kenny MarchantR-TX-24
Rep. Todd AkinR-MO-2
Rep. Mike PenceR-IN-6
Rep. Randy NeugebauerR-TX-19
Rep. Michael ConawayR-TX-11
Rep. Steve KingR-IA-5
Rep. Jim JordanR-OH-4
Rep. Tom PriceR-GA-6
Rep. Ed RoyceR-CA-40
Rep. James SensenbrennerR-WI-5
Rep. Lynn WestmorelandR-GA-3
Rep. Jimmy DuncanR-TN-2
Rep. Cynthia LummisR-WY
Rep. Virginia FoxxR-NC-5
Rep. Doug LambornR-CO-5
Rep. Trent FranksR-AZ-2
Rep. Scott GarrettR-NJ-5
Rep. Jason ChaffetzR-UT-3
Rep. Jeb HensarlingR-TX-5
Rep. Tom McClintockR-CA-4
Rep. John ShadeggR-AZ-3
Rep. Tom GravesR-GA-9
Rep. Paul BrounR-GA-10
Rep. Jeff FlakeR-AZ-6
Rep. Ron PaulR-TX-14
Data notes
The House’s recorded vote on the final version of the law (roll call 1342 in Voteview), matched to the vote the record cites and checked against its totals. Positions are each member’s DW-NOMINATE score for that Congress, as on the Ideology page; left to right is more liberal to more conservative. Paired and announced yea votes count as yea. Lists follow the compass, most liberal first. A name links to a profile only for members of the current Congress. A law passed by voice vote or unanimous consent has no member list, and neither does a vote Voteview has not yet recorded.
Committees
The committees the bill was sent to, and what each did with it.
Data notes
A committee links to its page only where it exists in the current Congress; older and renamed committees are named without a link.
Related bills
1 bill the Library of Congress relates to this one.
S. 3549Identical bill
A bill to amend the effective date of the gift card provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009.
Data notes
Related bills are identified by the Congressional Research Service, the House and the Senate: companion and identical bills, bills with similar text, bills that were folded into this law, and rules that brought it to the floor. A bill that is itself a public law in this site’s data links here; the others link to Congress.gov.
Timeline
From introduction to signing, newest first: the committees, the floor and the president. 18 actions.
- Jul 27, 2010Became lawBecame law · Became Public Law No: 111-209.
- Became lawBecame law · Signed by President.
- Jul 15, 2010FloorFloor · Presented to President.
- Jul 14, 2010FloorFloor · Message on Senate action sent to the House.
- Jul 13, 2010FloorFloor · Passed Senate without amendment by Unanimous Consent.
- CommitteeCommittee · Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
- OtherOther · Cleared for White House.
- Jun 15, 2010CommitteeCommittee · Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- CommitteeCommittee · Sponsor introductory remarks on measure. (CR E1100-1101)
- Jun 14, 2010FloorFloor · Motion to reconsider laid on the table Agreed to without objection.
- FloorFloor · On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 357 - 0 (Roll no. 357).House roll call 357
- FloorFloor · Considered as unfinished business.
- FloorFloor · At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
- FloorFloor · DEBATE - The House proceeded with forty minutes of debate on H.R. 5502.
- FloorFloor · Considered under suspension of the rules.
- FloorFloor · Mr. Hinojosa moved to suspend the rules and pass the bill.
- Jun 10, 2010CommitteeCommittee · Referred to the House Committee on Financial Services.
- IntroducedIntroduced · Introduced in House
Data notes
Every action the Library of Congress lists for the bill, from introduction to signing, plus the dated committee hearings. The source lists many steps twice (the chamber’s own entry and the Library of Congress copy, or a presidential and a became-law entry with the same words); those are shown once. Amendments are listed in their own section.
Amendments
No amendments to this bill are on record.
Data notes
Amendments offered to this bill in either chamber, as the Library of Congress records them: each with a status read from its last recorded step: agreed to, rejected, withdrawn, ruled out of order, fell with another amendment, or offered with no vote recorded (most Senate amendments are only ever offered). The wording of each amendment is the source’s. Amendments to amendments and amendments to other bills are not listed.
Official record
The bill’s full text is on Congress.gov. Data through Oct 7, 2026.