{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/6.2-425.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/6.2-425.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/6.2-425.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/6.2-425.html"}],"law_id":78928,"edition_id":1,"section_id":78928,"structure_id":15640,"section_number":"6.2-425","catch_line":"Cardholder not liable in absence of request for, consent to issuance of, or use of card","history":"1970, c. 324, \u00a7 11-31; 2010, c. 794.","full_text":"A\n\nA cardholder who receives a credit card from an issuer, which card the cardholder has not requested nor consented to the issuance of in writing, nor used, shall not be liable for any amount owing because of a use of the credit card.B\n\nThe failure to destroy or return an unsolicited credit card shall neither:1\n\nBe evidence of a cardholder’s request for or consent to the issuance of the credit card, nor2\n\nConstitute negligence on the part of the cardholder.C\n\nUse by an authorized agent of the cardholder shall be the equivalent of use by the cardholder. The burden of proving the authority of an agent shall be upon the issuer.","order_by":null,"text":{"0":{"id":282702,"text":"A cardholder who receives a credit card from an issuer, which card the cardholder has not requested nor consented to the issuance of in writing, nor used, shall not be liable for any amount owing because of a use of the credit card.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":282703,"text":"The failure to destroy or return an unsolicited credit card shall neither:","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"B1"},"2":{"id":282704,"text":"Be evidence of a cardholder’s request for or consent to the issuance of the credit card, nor","type":"section","prefixes":["B","1"],"prefix":"1","entire_prefix":"B1","prefix_anchor":"B1","level":2,"prior_prefix":"B","next_prefix":"B2"},"3":{"id":282705,"text":"Constitute negligence on the part of the cardholder.","type":"section","prefixes":["B","2"],"prefix":"2","entire_prefix":"B2","prefix_anchor":"B2","level":2,"prior_prefix":"B1","next_prefix":"C"},"4":{"id":282706,"text":"Use by an authorized agent of the cardholder shall be the equivalent of use by the cardholder. The burden of proving the authority of an agent shall be upon the issuer.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B2"}},"ancestry":[{"id":15640,"edition_id":1,"name":"Credit Cards","identifier":"3","label":"article","depth":4,"order_by":1,"parent_id":12854,"metadata":{},"date_created":"2026-06-26 03:57:15","date_modified":"2026-06-26 03:57:15","permalink":{"id":263565,"object_type":"structure","relational_id":15640,"identifier":"3","token":"6.2\/I\/4\/3","url":"\/6.2\/I\/4\/3\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12854,"edition_id":1,"name":"Certain Lending Practices","identifier":"4","label":"chapter","depth":3,"order_by":1,"parent_id":12853,"metadata":{},"date_created":"2026-06-26 03:43:56","date_modified":"2026-06-26 03:43:56","permalink":{"id":263463,"object_type":"structure","relational_id":12854,"identifier":"4","token":"6.2\/I\/4","url":"\/6.2\/I\/4\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12853,"edition_id":1,"name":"General Provisions","identifier":"I","label":"subtitle","depth":2,"order_by":1,"parent_id":12852,"metadata":{},"date_created":"2026-06-26 03:43:56","date_modified":"2026-06-26 03:43:56","permalink":{"id":263251,"object_type":"structure","relational_id":12853,"identifier":"I","token":"6.2\/I","url":"\/6.2\/I\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12852,"edition_id":1,"name":"Financial Institutions and Services","identifier":"6.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:56","date_modified":"2026-06-26 03:43:56","permalink":{"id":263249,"object_type":"structure","relational_id":12852,"identifier":"6.2","token":"6.2","url":"\/6.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":69648,"structure_id":15640,"section_number":"6.2-424","catch_line":"Definitions","url":"\/6.2-424\/","token":"6.2\/I\/4\/3\/6.2-424","metadata":false},{"id":78928,"structure_id":15640,"section_number":"6.2-425","catch_line":"Cardholder not liable in absence of request for, consent to issuance of, or use of card","url":"\/6.2-425\/","token":"6.2\/I\/4\/3\/6.2-425","metadata":false},{"id":69824,"structure_id":15640,"section_number":"6.2-426","catch_line":"When request, consent, or use not condition precedent to liability","url":"\/6.2-426\/","token":"6.2\/I\/4\/3\/6.2-426","metadata":false},{"id":59762,"structure_id":15640,"section_number":"6.2-427","catch_line":"Costs and attorney fee in suit on card; evidence of request or consent","url":"\/6.2-427\/","token":"6.2\/I\/4\/3\/6.2-427","metadata":false},{"id":65187,"structure_id":15640,"section_number":"6.2-428","catch_line":"Production of credit card number as condition of check cashing or acceptance prohibited","url":"\/6.2-428\/","token":"6.2\/I\/4\/3\/6.2-428","metadata":false},{"id":71795,"structure_id":15640,"section_number":"6.2-429","catch_line":"Improper use of payment device numbers","url":"\/6.2-429\/","token":"6.2\/I\/4\/3\/6.2-429","metadata":false},{"id":70551,"structure_id":15640,"section_number":"6.2-430","catch_line":"Place where transaction occurred; federal Fair Credit Billing Act","url":"\/6.2-430\/","token":"6.2\/I\/4\/3\/6.2-430","metadata":false},{"id":83421,"structure_id":15640,"section_number":"6.2-431","catch_line":"Certain cards excepted","url":"\/6.2-431\/","token":"6.2\/I\/4\/3\/6.2-431","metadata":false},{"id":66433,"structure_id":15640,"section_number":"6.2-432","catch_line":"Credit card account disclosures","url":"\/6.2-432\/","token":"6.2\/I\/4\/3\/6.2-432","metadata":false}],"previous_section":{"id":69648,"structure_id":15640,"section_number":"6.2-424","catch_line":"Definitions","url":"\/6.2-424\/","token":"6.2\/I\/4\/3\/6.2-424","metadata":false},"next_section":{"id":69824,"structure_id":15640,"section_number":"6.2-426","catch_line":"When request, consent, or use not condition precedent to liability","url":"\/6.2-426\/","token":"6.2\/I\/4\/3\/6.2-426","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/6.2-425\/","history_text":"

This law was first created in 1970. The record of its establishment is cataloged in chapter 324 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1970 \u201cActs\u201d aren\u2019t available online. It has been modified 1 time. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. That modification is as follows: in 2010, chapter 794<\/a>.<\/p>","references":[{"id":69824,"section_number":"6.2-426","catch_line":"When request, consent, or use not condition precedent to liability","order_by":null,"url":"\/6.2-426\/"},{"id":59762,"section_number":"6.2-427","catch_line":"Costs and attorney fee in suit on card; evidence of request or consent","order_by":null,"url":"\/6.2-427\/"}],"refers_to":false,"permalink":{"id":263571,"object_type":"law","relational_id":78928,"identifier":"6.2-425","token":"6.2\/I\/4\/3\/6.2-425","url":"\/6.2-425\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/6.2-425\/","token":"6.2\/I\/4\/3\/6.2-425","dublin_core":{"Title":"Cardholder not liable in absence of request for, consent to issuance of, or use of card","Type":"Text","Format":"text\/html","Identifier":"\u00a7 6.2-425","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> A cardholder<\/span> who receives a credit card<\/span> from an issuer<\/span>, which card the cardholder<\/span> has not requested nor consented to the issuance of in writing, nor used, shall not be liable for any amount owing because of a use of the credit card<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> The failure to destroy or return an unsolicited credit card<\/span> shall neither: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Be evidence<\/span> of a cardholder<\/span>’s request for or consent to the issuance of the credit card<\/span>, nor <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> Constitute negligence<\/span> on the part of the cardholder<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> Use by an authorized agent of the cardholder<\/span> shall be the equivalent of use by the cardholder<\/span>. The burden of proving the authority of an agent shall be upon the issuer<\/span>. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nCARDHOLDER NOT LIABLE IN ABSENCE OF REQUEST FOR, CONSENT TO ISSUANCE OF, OR USE\nOF CARD (\u00a7 6.2-425)\n\nA. A cardholder who receives a credit card from an issuer, which card the\ncardholder has not requested nor consented to the issuance of in writing, nor\nused, shall not be liable for any amount owing because of a use of the credit\ncard.\n\nB. The failure to destroy or return an unsolicited credit card shall neither:\n\n 1. Be evidence of a cardholder’s request for or consent to the issuance\n of the credit card, nor\n\n 2. Constitute negligence on the part of the cardholder.\n\nC. Use by an authorized agent of the cardholder shall be the equivalent of use\nby the cardholder. The burden of proving the authority of an agent shall be upon\nthe issuer.\n\nHISTORY: 1970, c. 324, \u00a7 11-31; 2010, c. 794.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}