12DLUnsolicited debit cards

#### 12DL Unsolicited debit cards (1) A corporation must not send a person: (a) a debit card that allows access to an account that is a financial product; or (b) an article that may be used as a debit card of that kind; except in accordance with subsection (2). (2) A corporation may send the person the card: (a) in pursuance of a request in writing by the person who will be under a liability to the person who issued the card in respect of the use of the card; or (b) in renewal or replacement of, or in substitution for: (i) a card of the same kind previously sent to the first‑mentioned person in pursuance of a request in writing by the person who was under a liability to the person who issued the card previously so sent in respect of the use of that card; or (ii) a card of the same kind previously sent to the first‑mentioned person and used for a purpose for which it was intended to be used. (3) Subsection (1) applies only in relation to the sending of a card by or on behalf of the person who issued the card. (4) A corporation must not take any action that enables a person who has a credit card to use the card as a debit card except in accordance with a request in writing by the person. (5) In this section: > article includes a token, card or document. > credit card means: (a) any article of a kind commonly known as a credit card; or (b) any similar article intended for use in obtaining cash, goods or services on credit; and includes any article of a kind that persons carrying on business commonly issue to their customers or prospective customers for use in obtaining goods or services from those persons on credit. > debit card means an article intended for use by a person in obtaining access to an account that is: (a) held by the person for the purpose of withdrawing or depositing cash or obtaining goods or services; and (b) a financial product.