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111th Congress (2009-2010)

House Report 111-314

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{link: 'http://thomas.loc.gov:80/cgi-bin/cpquery?',title: 'THOMAS - Committee Report - House Report 111-314' }

EXPEDITED CARD REFORM FOR CONSUMERS ACT OF 2009
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Beginning
AMENDMENT
SECTION 1. SHORT TITLE.
SEC. 2. EARLIER EFFECTIVE DATE FOR THE CREDIT CARD ACT OF 2009, GENERALLY.
SEC. 3. EARLIER EFFECTIVE DATES FOR SPECIFIC PROVISIONS TO PREVENT FURTHER ABUSES.
PURPOSE AND SUMMARY
BACKGROUND AND NEED FOR LEGISLATION
HEARINGS
COMMITTEE CONSIDERATION
COMMITTEE VOTES
COMMITTEE OVERSIGHT FINDINGS
PERFORMANCE GOALS AND OBJECTIVES
NEW BUDGET AUTHORITY, ENTITLEMENT AUTHORITY, AND TAX EXPENDITURES
COMMITTEE COST ESTIMATE
CONGRESSIONAL BUDGET OFFICE ESTIMATE
FEDERAL MANDATES STATEMENT
ADVISORY COMMITTEE STATEMENT
CONSTITUTIONAL AUTHORITY STATEMENT
APPLICABILITY TO LEGISLATIVE BRANCH
EARMARK IDENTIFICATION
SECTION-BY-SECTION ANALYSIS OF THE LEGISLATION
CHANGES IN EXISTING LAW MADE BY THE BILL, AS REPORTED
CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT OF 2009
SEC. 3. EFFECTIVE DATE.
TRUTH IN LENDING ACT
CHAPTER 3--CREDIT ADVERTISING
SEC. 148. INTEREST RATE REDUCTION ON OPEN END CONSUMER CREDIT PLANS.
SEC. 149. REASONABLE PENALTY FEES ON OPEN END CONSUMER CREDIT PLANS.
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