15 USC § 1645 - Business credit cards; limits on liability of employees

---
identifier: "/us/usc/t15/s1645"
source: "usc"
legal_status: "official_prima_facie"
title: "15 USC § 1645 - Business credit cards; limits on liability of employees"
title_number: 15
title_name: "COMMERCE AND TRADE"
section_number: "1645"
section_name: "Business credit cards; limits on liability of employees"
chapter_number: 41
chapter_name: "CONSUMER CREDIT PROTECTION"
subchapter_number: "I"
subchapter_name: "CONSUMER CREDIT COST DISCLOSURE"
part_number: "B"
part_name: "Credit Transactions"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(Pub. L. 90–321, title I, § 135, as added Pub. L. 93–495, title IV, § 410(a), Oct. 28, 1974, 88 Stat. 1519.)"
---


# § 1645. Business credit cards; limits on liability of employees

section 1603(1) of this titlesection 1643 of this titlesection 1643 of this title

The exemption provided by  does not apply to the provisions of sections 1642, 1643, and 1644 of this title, except that a card issuer and a business or other organization which provides credit cards issued by the same card issuer to ten or more of its employees may by contract agree as to liability of the business or other organization with respect to unauthorized use of such credit cards without regard to the provisions of , but in no case may such business or other organization or card issuer impose liability upon any employee with respect to unauthorized use of such a credit card except in accordance with and subject to the limitations of .

---

**Source Credit**: (Pub. L. 90–321, title I, § 135, as added Pub. L. 93–495, title IV, § 410(a), Oct. 28, 1974, 88 Stat. 1519.)

## Statutory Notes and Related Subsidiaries

### Effective Date

Section effective , see , set out as a note under .