Section 1748.12.
Cal. Civil Code - CIV § 1748.12.
in effect(a)
For purposes of this section:
(1)
“Cardholder” means any consumer to whom a credit card is issued, provided that, when more than one credit card has been issued for the same account, all persons holding those credit cards may be treated as a single cardholder.
(2)
“Credit card” means any card, plate, coupon book, or other single credit device existing for the purpose of being used
from time to time upon presentation to obtain money, property, labor, or services on credit. “Credit card” does not mean any of the following:
(A)
Any single credit device used to obtain telephone property, labor, or services in any transaction under public utility tariffs.
(B)
Any device that may be used to obtain credit pursuant to an electronic fund transfer but only if the credit is obtained under an agreement between a consumer and a financial institution to extend credit when the consumer’s asset account is overdrawn or to maintain a specified minimum balance in the consumer’s asset account.
(C)
Any key or card key used at an automated dispensing outlet to obtain or purchase petroleum products, as defined in subdivision (c) of Section 13401 of the Business and Professions Code, which will be used primarily for
business rather than personal or family purposes.
(3)
“Marketing information” means the categorization of cardholders compiled by a credit card issuer, based on a cardholder’s shopping patterns, spending history, or behavioral characteristics derived from account activity which is provided to a marketer of goods or services or a subsidiary or affiliate organization of the company that collects the information for consideration. “Marketing information” does not include aggregate data that does not identify a cardholder based on the cardholder’s shopping patterns, spending history, or behavioral characteristics derived from account activity or any communications to any person in connection with any transfer, processing, billing, collection, chargeback, fraud prevention, credit card recovery, or acquisition of or for credit card accounts.
(b)
If the credit card issuer discloses
marketing information concerning a cardholder to any person, the credit card issuer shall provide a written notice to the cardholder that clearly and conspicuously describes the cardholder’s right to prohibit the disclosure of marketing information concerning the cardholder which discloses the cardholder’s identity. The notice shall be in 10-point type and shall advise the cardholder of his or her ability to respond either by completing a preprinted form or a toll-free telephone number that the cardholder may call to exercise this right.
(c)
The requirements of subdivision (b) shall be satisfied by furnishing the notice to the cardholder:
(1)
At least 60 days prior to the initial disclosure of marketing information concerning the cardholder by the credit card issuer.
(2)
For all new credit cards issued on or after
April 1, 2002, on the form containing the new credit card when the credit card is delivered to the cardholder.
(3)
At least once per calendar year, to every cardholder entitled to receive an annual statement of billings rights pursuant to 12 C.F.R. 226.9 (Regulation Z). The notice required by this paragraph may be included on or with any periodic statement or with the delivery of the renewal card.
(d)
(1)
The cardholder’s election to prohibit disclosure of marketing information shall be effective only with respect to marketing information that is disclosed to any party beginning 30 days after the credit card issuer has received, at the designated address on the form containing the new credit card or on the preprinted form, or by telephone, the cardholder’s election to prohibit disclosure. This does not apply to the disclosure of marketing information prior to
the cardholder’s notification to the credit card issuer of the cardholder’s election.
(2)
An election to prohibit disclosure of marketing information shall terminate upon receipt by the credit card issuer of notice from the cardholder that the cardholder’s election to prohibit disclosure is no longer effective.
(e)
The requirements of this section do not apply to any of the following communications of marketing information by a credit card issuer:
(1)
Communications to any party to, or merchant specified in, the credit card agreement, or to any person whose name appears on the credit card or on whose behalf the credit card is issued.
(2)
Communications to consumer credit reporting agencies, as defined in subdivision (d) of Section 1785.3.
(3)
To the extent that the Fair Credit Reporting Act preempts the requirements of this section as to communication by a credit card issuer to a corporate subsidiary or affiliate, the credit card issuer may communicate information about a cardholder to a corporate subsidiary or affiliate to the extent and in the manner permitted under that act.
(4)
Communications to a third party when the third party is responsible for conveying information from the card issuer to any of its cardholders.
(f)
If the laws of the United States require disclosure to cardholders regarding the use of personal information, compliance with the federal requirements shall be deemed to be compliance with this section.
(g)
This section shall become operative on April 1,
2002.
References
referencesCal. Business and Professions Code - BPC § 13401.
referencesCal. Civil Code - CIV § 1785.3.
Source: CA Legislative Counsel Bulk DataURL: https://downloads.leginfo.legislature.ca.gov/pubinfo_2025.zipFetched: 6/27/2026