---
kind: "section"
citation: "15 U.S.C. § 1651"
title: "15"
title_heading: "Commerce and Trade"
number: "1651"
heading: "Procedure for timely settlement of estates of decedent obligors"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1651"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter I — Consumer Credit Cost Disclosure"
  - "Part B — Credit Transactions"
---

# §1651. Procedure for timely settlement of estates of decedent obligors


The [Bureau](/usc/15/1602.md?p=b), in consultation with the [Bureau](/usc/15/1602.md?p=b)[^1] and each other agency referred to in [section 1607(a) of this title](/usc/15/1607.md?p=a), shall prescribe regulations to require any [creditor](/usc/15/1602.md?p=g), with respect to any [credit card](/usc/15/1602.md?p=l) [account](/usc/15/1681a.md?p=r-4) under an [open end consumer credit plan](/usc/15/1602.md?p=j), to establish procedures to ensure that any [administrator](/usc/15/636e.md?p=1) of an estate of any deceased obligor with respect to such [account](/usc/15/1681a.md?p=r-4) can resolve outstanding [credit](/usc/15/1602.md?p=f) balances in a timely manner.


## Footnotes

[^1]: So in original.

## Source credit

(Pub. L. 90–321, title I, § 140A, as added Pub. L. 111–24, title V, § 504(a), May 22, 2009, 123 Stat. 1756; amended Pub. L. 111–203, title X, § 1100A(2), (3), July 21, 2010, 124 Stat. 2107.)

## Notes

### Editorial Notes

### Amendments

2010—Pub. L. 111–203, § 1100A(3), substituted “the Bureau” for “the Federal Trade Commission”.

Pub. L. 111–203, § 1100A(2), substituted “The Bureau” for “The Board”.

### Statutory Notes and Related Subsidiaries

### Effective Date of 2010 Amendment

Amendment by Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.

### Effective Date

Section effective 9 months after May 22, 2009, except as otherwise specifically provided, see section 3 of Pub. L. 111–24, set out as an Effective Date of 2009 Amendment note under section 1602 of this title.