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

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

The bill now explicitly lists specific exceptions where issuers do not need to provide notice, including fraud, delinquency, bankruptcy, death, and compliance with federal or state laws.

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