An amendment numbered 17 printed in House Report 111-92 to allow consumers who have not activated an issued credit card within 45 days, to contact the issuing institution to cancel the card and have it removed from their credit report entirely. If after 45 days the card has not been activated it is automatically removed from any such report.

In the subsection heading for section 3(d), strike “Before” and insert “After”.

In the subsection heading of subsection (h) of section 127B of the Truth in Lending Act (as added by section 3(d)), strike “Before” and insert “After”.

In paragraph (1) of section 127B(h) of the Truth in Lending Act (as added by section 3(d))--

(1) strike “may not furnish any information to” and insert “shall remove any information furnished to”; and

(2) strike “until the credit card has been used or activated by the consumer”and insert “if the consumer has not used or activated the account and the consumer contacts the creditor within 45 days of the establishment of the account to close the account”.