1. Short title This Act may be cited as the Unsolicited Loan Act of 2019 . 2. Unsolicited loan checks prohibited (a) In general Section 132 of the Truth in Lending Act ( 15 U.S.C. 1642 ) is amended— (1) by striking the section heading and inserting Unsolicited credit ; (2) by inserting (a) Credit cards .— before No credit ; and (3) by adding at the end the following: (b) Unsolicited loan checks or transfers No person may extend any consumer credit that is otherwise subject to this title by— (1) making an unsolicited transfer of funds to the consumer’s credit or asset account