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.
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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 II--ENHANCED CONSUMER DISCLOSURES
TITLE III--PROTECTION OF YOUNG CONSUMERS
TITLE IV--GIFT CARDS
TITLE V--MISCELLANEOUS PROVISIONS
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