Under 21, credit cards, employment and the Card Act?

I see many answerers on here saying that the new laws requires anyone under the age of 21 to have a job for at least a year. Where do you find that particular information in the Card Act?

For those who hadn't read the Card Act concerning the under 21 crowd and credit cards (I'm not talking about co-signing) here is the part of the Card Act for the under 21 applicants ..

(ii) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account.

All it says is "independent means". To get a broader picture of independent means for 'all' applicants here is ..

6500 - Consumer Protection

PART 202—EQUAL CREDIT OPPORTUNITY (REGULATION B)

§ 202.6 Rules concerning evaluation of applications.

(5) Income. A creditor shall not discount or exclude from consideration the income of an applicant or the spouse of an applicant because of a prohibited basis or because the income is derived from part-time employment or is an annuity, pension, or other retirement benefit; a creditor may consider the amount and probable continuance of any income in evaluating an applicant's creditworthiness. When an applicant relies on alimony, child support, or separate maintenance payments in applying for credit, the creditor shall consider such payments as income to the extent that they are likely to be consistently made.

No where in 202.6 does it say that the applicant 'must' be employed or that there is a length of time. In fact independent means could also mean, SSDI, inheritance, an ongoing monthly stipend, etc., etc., etc.

So, where are people getting their information from the Card Act that an under 21 applicant must be employed and, more importantly, be employed for a year or longer?