(b) Definitions. For purposes of this section:

1. (1) Cardholder means a consumer who has been issued a credit or debit card.
2. (2) Clear and conspicuous means reasonably understandable and designed to call attention to the nature and significance of the information presented.

(c) Address validation requirements. A card issuer must establish and implement reasonable policies and procedures to assess the validity of a change of address if it receives notification of a change of address for a consumer's debit or credit card account and, within a short period of time afterwards (during at least the first 30 days after it receives such notification), the card issuer receives a request for an additional or replacement card for the same account. Under these circumstances, the card issuer may not issue an additional or replacement card, until, in accordance with its reasonable policies and procedures and for the purpose of assessing the validity of the change of address, the card issuer:

1. (1)

   1. (i) Notifies the cardholder of the request:

      1. (A) At the cardholder's former address; or
      2. (B) By any other means of communication that the card issuer and the cardholder have previously agreed to use; and
   2. (ii) Provides to the cardholder a reasonable means of promptly reporting incorrect address changes; or
2. (2) Otherwise assesses the validity of the change of address in accordance with the policies and procedures the card issuer has established pursuant to § 222.90 of this part.