The amendment also covers "prepaid access devices", which is apparently the technically-specific way to talk about things like prepaid Visa cards. Quote:

>A prepaid access program is an arrangement through which one or more persons acting together provide access to funds or the value of funds that have been paid in advance and can be retrieved or transferred at some point in the future through an electronic device or vehicle, such as a card, code, electronic serial number, mobile identification number, or personal identification number.

https://www.occ.treas.gov/news-issuances/bulletins/2011/bull...

So basically, the grandparent is asserting that the main thrust of the bill is the amendments that make prepaid cards covered.