Truth in Lending: 7.10.2.3 Is a User an Authorized User?
Whether a person has actual, implied, or apparent authority to use the card is a question of state law.1244 The card issuer has the burden of proving that the user had actual, implied, or apparent authority and that the conditions for imposing liability on the cardholder have been met.1245 Apparent authority must be proven through actions of the principal, not those of the supposed agent.1246