---
kind: "section"
citation: "15 U.S.C. § 1693j"
title: "15"
title_heading: "Commerce and Trade"
number: "1693j"
heading: "Suspension of obligations"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1693j"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter VI — Electronic Fund Transfers"
---

# §1693j. Suspension of obligations


If a system malfunction prevents the effectuation of an [electronic fund transfer](/usc/15/1693a.md?p=7) initiated by a [consumer](/usc/15/1692a.md?p=3) to another [person](/usc/15/1602.md?p=e), and such other [person](/usc/15/1602.md?p=e) has agreed to accept payment by such means, the [consumer](/usc/15/1692a.md?p=3)’s obligation to the other [person](/usc/15/1602.md?p=e) shall be suspended until the malfunction is corrected and the [electronic fund transfer](/usc/15/1693a.md?p=7) may be completed, unless such other [person](/usc/15/1602.md?p=e) has subsequently, by written request, demanded payment by means other than an [electronic fund transfer](/usc/15/1693a.md?p=7).


## Source credit

(Pub. L. 90–321, title IX, § 912, as added Pub. L. 95–630, title XX, § 2001, Nov. 10, 1978, 92 Stat. 3737.)