A bill to amend section 134 of the Truth in Lending Act and section 916 of the Electronic Fund Transfer Act.

Amends the Truth in Lending Act and the Electronic Fund Transfer Act to expand fraudulent use of a credit card or debit instrument to include any transaction affecting interstate or foreign commerce by any person: (1) who knowingly furnishes, transfers, or obtains a credit card or debit instrument for use in connection with a scheme to defraud a consumer or any other person; or (2) who, with unlawful or fraudulent intent, furnishes, acquires, or uses any actual or fictitious credit card or debit instrument account numbers or identification or other access codes, whether alone or together with credit card or account holders, or other information pertaining to a credit card or debit instrument account in any form, and as they may be reflected or retained in any medium.

Sets the penalty for a subsequent violation of either Act at a fine of up to $100,000 or imprisonment for up to 20 years, or both.

Defines "debit instrument" to include an account number or other means of account access.