Requires issuers of credit cards to give the cardholder at least thirty days notice before closing, cancelling, or terminating the cardholder's account

The required notice period for closing a credit card account was reduced from 45 days to 30 days.

The bill now explicitly lists specific exceptions (fraud, delinquency, bankruptcy, legal orders) where an issuer can close an account without providing the 30-day notice.

The language was updated to clarify that the notice requirement applies to closing, canceling, or terminating an account.

The effective date of the law was changed from 'immediately' to '120 days after it becomes law'.