Bill Text
111th Congress (2009-2010)
H.R.627.ENR


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Final version (Enrolled Bill) as passed by both Houses. There are 5 other versions of this bill.
{title: 'THOMAS - Bill Text - H.R.627.ENR', link: 'http://thomas.loc.gov/cgi-bin/query/z?c111:H.R.627.ENR:/' }

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H.R.627 -- Credit CARD Act of 2009 (Enrolled Bill [Final as Passed Both House and Senate] - ENR)


Beginning
    SECTION 1. SHORT TITLE; TABLE OF CONTENTS.
    Sec. 1. Short title; table of contents.
    Sec. 2. Regulatory authority.
    Sec. 3. Effective date.
    Sec. 101. Protection of credit cardholders.
    Sec. 102. Limits on fees and interest charges.
    Sec. 103. Use of terms clarified.
    Sec. 104. Application of card payments.
    Sec. 105. Standards applicable to initial issuance of subprime or `fee harvester' cards.
    Sec. 106. Rules regarding periodic statements.
    Sec. 107. Enhanced penalties.
    Sec. 108. Clerical amendments.
    Sec. 109. Consideration of Ability to repay.
    Sec. 201. Payoff timing disclosures.
    Sec. 202. Requirements relating to late payment deadlines and penalties.
    Sec. 203. Renewal disclosures.
    Sec. 204. Internet posting of credit card agreements.
    Sec. 205. Prevention of deceptive marketing of credit reports.
    Sec. 301. Extensions of credit to underage consumers.
    Sec. 302. Protection of young consumers from prescreened credit offers.
    Sec. 303. Issuance of credit cards to certain college students.
    Sec. 304. Privacy Protections for college students.
    Sec. 305. College Credit Card Agreements.
    Sec. 401. General-use prepaid cards, gift certificates, and store gift cards.
    Sec. 402. Relation to State laws.
    Sec. 403. Effective date.
    Sec. 501. Study and report on interchange fees.
    Sec. 502. Board review of consumer credit plans and regulations.
    Sec. 503. Stored value.
    Sec. 504 Procedure for timely settlement of estates of decedent obligors.
    Sec. 506. Board review of small business credit plans and recommendations.
    Sec. 507. Small business information security task force.
    Sec. 508. Study and report on emergency pin technology.
    Sec. 509. Study and report on the marketing of products with credit offers.
    Sec. 510. Financial and economic literacy.
    Sec. 511. Federal trade commission rulemaking on mortgage lending.
    Sec. 512. Protecting Americans from violent crime.
    Sec. 513. GAO study and report on fluency in the English language and financial literacy.
TITLE I--CONSUMER PROTECTION
TITLE II--ENHANCED CONSUMER DISCLOSURES
TITLE III--PROTECTION OF YOUNG CONSUMERS
TITLE IV--GIFT CARDS
TITLE V--MISCELLANEOUS PROVISIONS


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