H.R.3639 - Expedited CARD Reform for Consumers Act of 2009

To amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 to establish an earlier effective date for various consumer protections, and for other purposes. view all titles (4)

All Bill Titles

Official: To amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 to establish an earlier effective date for various consumer protections, and for other purposes. as introduced.
Short: Expedited CARD Reform for Consumers Act of 2009 as introduced.
Short: Expedited CARD Reform for Consumers Act of 2009 as reported to house.
Short: Expedited CARD Reform for Consumers Act of 2009 as passed house.

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Latest Amendment	Status	Purpose View All Amendments [5]

H.Amdt494	Pass	An amendment numbered 1 printed in Part B of House Report 111-326 to clarify that changes to a credit card agreement that reduce a customer's interest rate or other fees can be implemented immediately, instead of being subject to the 45-day waiting period required under the CARD Act of 2009.
H.Amdt495	Pass	An amendment numbered 2 printed in Part B of House Report 111-326 to provide that any card issuer that imposes a moratorium on increases in rates, fees and terms and conditions of a contract would be exempt from the accelerated date for the provision requiring an issuer to apply a customer's payment in excess of the minimum amount due, to the highest rate balance.
H.Amdt496	Pass	An amendment numbered 3 printed in Part B of House Report 111-326 to set the effective date of certain provisions of the CARD Act of 2009 to the enactment date of this Act.