Truth in Lending Act (TILA): Federal law that protects consumers in credit transactions by requiring clear disclosure of key terms and costs in lending arrangements, including credit card agreements

Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information, particularly relevant when reporting and updating credit status after death

Equal Credit Opportunity Act (ECOA): Federal law ensuring fair treatment in credit transactions, including the handling of credit accounts after a cardholder's death

Fair Debt Collection Practices Act (FDCPA): Federal law that restricts the practices of debt collectors, including how they can interact with deceased person's relatives and estate

State Probate Laws: State-specific laws governing the process of administering a deceased person's estate, including the handling of their debts and financial accounts

State Estate Administration Laws: Laws governing how estates must be managed and settled, including the priority of creditors and payment of debts

State Credit Card Regulations: State-specific rules governing credit card operations and cancellations within the state's jurisdiction

CFPB Regulations: Consumer Financial Protection Bureau guidelines on handling credit accounts and debt collection after death, including requirements for credit card companies

FTC Guidelines: Federal Trade Commission rules and guidelines protecting consumers and their estates from unfair practices in credit and debt collection

Federal Reserve Board Regulations: Banking regulations that may affect how credit card accounts are handled after a cardholder's death

Estate Executor Authority Requirements: Legal requirements for proving executor or administrator authority to act on behalf of the deceased's estate

Death Certificate Requirements: Legal requirements for providing proof of death through official documentation when canceling credit accounts

Privacy Protections: Federal and state laws protecting the deceased's personal and financial information during the account cancellation process