To amend the Truth in Lending Act to provide safeguards for credit card holders whose accounts were, or are about to be, terminated for inactivity, and for other purposes.

Amends the Truth in Lending Act to set forth restrictions upon the termination of a consumer credit card account due to inactivity.

Prohibits a consumer credit card account from being terminated for inactivity unless the cardholder is notified within 60 days before the termination date.

Authorizes the cardholder to appeal a termination on the basis of error. Requires the card issuer to: (1) investigate whether such an error occurred; (2) transmit the investigation results to the cardholder; and (3) reopen the credit card account if an error did occur.