Credit CARD Act of 2009

833

54397 1232600400

false

1242843840

1242964800

185

627

40741

Broadly, this bill seeks to establish transparency between all actors participating in the consumer credit market. More specifically, it seeks to restrict unfair interest rate hikes, fees and penalties. It also bans credit card companies from knowingly issuing cards to people under the age of 18. Furthermore, it calls for the broad dissemination of information by creditors to the public regarding changes and developments in credit card accounts, methods of contact, and credit counseling services, and by the Federal Reserve Board to Congress and the public, alike, regarding the general health of the consumer credit market.

111

400251

5/22/2009--Public Law. (This measure has not been amended since it was passed by the Senate on May 19, 2009. The summary of that version is repeated here.) Credit Card Accountability Responsibility and Disclosure Act of 2009 or the Credit CARD Act of 2009 - (Sec. 2) Authorizes the Board of Governors of the Federal Reserve System (Federal Reserve Board) to issue rules and publish model forms to implement this Act. (Sec. 3) Makes this Act effective nine months after its enactment. Title I: Consumer Protection - (Sec. 101) Amends the Truth in Lending Act (TILA), with respect to credit card accounts under an open end consumer credit plan, to require a creditor to provide written notice not later than 45 days prior to the effective date of: (1) any increase in an annual percentage rate (APR); and (2) any significant change, as determined by rule of the Federal Reserve Board, in the terms of the cardholder agreement (including an increase in fees or finance charges). Prohibits a creditor from increasing any annual percentage rate (APR) of interest, fee, or finance charge applicable to the existing balance on an open end consumer credit card account unless specified conditions are met. Allows a creditor to increase an APR, fee, or finance charge only if the increase is due solely to: (1) expiration of a specified time period (e.g., promotional period) disclosed clearly and conspicuously to the consumer before commencement of the time period; (2) a change in index not under the creditor's control; (3) payment not received during the 30-day grace period after the due date; or (4) completion of a workout or temporary hardship arrangement, or the consumer's failure to comply with such an arrangement. Prohibits any APR increase relating to such an arrangement from exceeding the APR applicable to the particular category of transactions on the day before the effective date of the arrangement. Prohibits a creditor from changing the terms governing repayment of an outstanding balance; but permits the creditor to provide the obligor with specified repayment methods. Requires a creditor that increases the APR based upon factors including the obligor's credit risk, market conditions, or other factors to: (1) consider changes in such factors in subsequently determining whether to reduce the APR for such obligor; and (2) reduce the APR when a review indicates a reduction. Declares that no increase in any APR, fee, or finance charge, with certain exceptions, shall be effective before the end of the one-year period beginning on the date on which the account is opened. States that, in the case of a promotional rate, no written notice of an increase in the APR shall be effective before the end of a six-month period beginning from the date the promotional rate takes effect. (Sec. 102) Prohibits imposition of a finance charge, with certain exceptions, upon a credit card account balance that is based on balances for days in billing cycles preceding the most recent billing cycle (double billing cycle) as a result of the loss of any grace period. Prohibits penalties for on-time payments. Prohibits the charge of an over-the-limit fee unless the consumer expressly permits the creditor to complete the relevant transaction (opt-in). Allows imposition of an over-the-limit fee only once during a billing cycle. Prohibits its imposition more than once in two subsequent billing cycles with respect to such excess credit, unless the consumer: (1) has obtained an additional extension of credit in excess of the credit limit during any such subsequent cycle; or (2) reduces the outstanding balance below the credit limit as of the end of such billing cycle. Prohibits a creditor from imposing a separate fee related to the method of payment (by mail, electronic transfer, telephone authorization, or other means), unless the payment involves an expedited service by the creditor's service representative. Requires any penalty fee or charge to be reasonable and proportional to the omission or violation involved. Directs the Federal Reserve Board to establish standards for assessing whether the amount of any penalty fee or charge is reasonable and proportional to the omission or violation to which the fee or charge relates. (Sec. 103) Limits the use of the term "fixed," in conjunction with an APR or applicable interest rate, to a rate that will not change or vary for any reason over the period specified clearly and conspicuously in the terms of the account. (Sec. 104) Revises requirements governing crediting of payments. Requires a card issuer, upon receipt of payment, to apply amounts in excess of the minimum payment amount first to the balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. Requires a creditor to allocate the entire amount paid in excess of the minimum payment to a balance on which interest is deferred during the last two billing cycles immediately preceding the expiration of the period during which interest is deferred. Prohibits a card issuer from imposing any late fee or finance charge for a late payment if: (1) the issuer makes a material change in the mailing address, office, or procedures for handling cardholder payments; and (2) such change causes a material delay in the crediting of payment made during the 60-day period following the date on which such change took effect. (Sec. 105) Prescribes a standard for the initial issuance of subprime or "fee harvester" cards (accounts requiring first-year fee payments in excess of 25% of the total amount of credit authorized). Prohibits payment of any fee from the credit made available by the card (other than any late fee, over-the-limit fee, or any fee for a payment returned for insufficient funds). (Sec. 106) Requires the payment due date to be the same day each month, or the next business day if such date falls on a weekend or holiday. Revises requirements for the timing of payments and the grace period. Requires each periodic statement of payment due to be mailed no later than 21 days before the payment due date. (Sec. 107) Revises civil penalties for creditor noncompliance with TILA. Includes in such penalties twice the amount of any finance charge in connection with a transaction, between $500 and $5,000 (or a higher amount in the case of an established pattern or practice of noncompliance), in the case of an individual action relating to an open end consumer credit plan that is not secured by real property or a dwelling. (Sec. 109) Requires a card issuer to consider the ability of the consumer to make required payments as a prerequisite to opening any consumer credit card account, or increasing any credit limit. Title II: Enhanced Consumer Disclosures - (Sec. 201) Revises and expands requirements for mandatory minimum payment disclosures a creditor must furnish. Directs the Federal Reserve Board to issue guidelines, by rule, for the establishment and maintenance by creditors of a toll-free telephone number for purposes of providing information about accessing credit counseling and debt management services. (Sec. 202) Revises requirements relating to late payment deadlines. Requires specified disclosures relating to increases in interest rates for late payments. States that the date on which the obligor makes a payment at the local branch of a creditor financial institution shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment. (Sec. 203) Requires a card issuer that has changed or amended any term of the account since the last renewal that has not been previously disclosed to make such a disclosure to the consumer by a certain deadline. (Sec. 204) Requires creditors to post on an Internet site the written agreement between the creditor and the consumer for each open-end consumer credit plan. (Sec. 205) Amends the Fair Credit Reporting Act to require any advertisement for a free credit report to disclose prominently that free credit reports are available under federal law at AnnualCreditReport.com (or other authorized source). Title III: Protection of Young Consumers - (Sec. 301) Amends TILA to prohibit extensions of credit to consumers under age 21, unless the consumer has submitted a written application that meets specified requirements. Requires any such application to be signed by a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account. (Sec. 302) Amends the Fair Credit Reporting Act to permit a consumer reporting agency to furnish a consumer report regarding credit or insurance transactions that are not initiated by the consumer only if the report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, the consumer consents to the furnishing of such report. (Sec. 303) Amends TILA to require approval by the jointly liable party to increase credit lines for accounts for which a parent, legal guardian, spouse of the consumer, or any other individual is jointly liable. (Sec. 304) Requires an institution of higher education to disclose publicly any agreement made with a card issuer or creditor for the purpose of marketing a credit card. Prohibits a card issuer or creditor from offering to a student at an institution of higher education any tangible item as inducement to participate in an open end consumer credit plan if such offer is made: (1) on or near the campus of the institution; or (2) at an event sponsored by or related to such institution. Expresses the sense of Congress that each institution of higher education should consider adopting the following policies relating to credit cards: (1) that any card issuer that markets a credit card on the campus notify the institution of the location at which such marketing will take place; (2) that the number of locations on the campus at which the marketing of credit cards takes place be limited; and (3) that credit card and debt education and counseling sessions be offered as a regular part of any orientation program for new students. (Sec. 305) Requires each creditor to submit an annual report to the Federal Reserve Board containing the terms and conditions of all business, marketing, and promotional agreements and college affinity card agreements with an institution of higher education, or with an affiliated or related alumni organization or foundation, with respect to any college student credit card issued to a college student at such institution. Directs to the Federal Reserve Board to report to Congress, and make available to the public, on the information concerning credit card agreements submitted to it by each institution of higher education, alumni organization, or foundation. Directs the Comptroller General to review and report to Congress about the mandatory reports submitted by creditors as well as their marketing practices to determine the impact that college affinity card agreements and college student card agreements have upon credit card debt. Title IV: Gift Cards - (Sec. 401) Amends the Electronic Fund Transfer Act to declare unlawful: (1) the imposition of a dormancy fee, an inactivity charge or fee, or a service fee with respect to a gift certificate, store gift card, or general-use prepaid card; and (2) the sale or issuance of a gift certificate, store gift card, or general-use prepaid card that is subject to an expiration date. Title V: Miscellaneous Provisions - (Sec. 501) Instructs the Comptroller General to study and report to Congress on use of credit by consumers, interchange fees, and their effects on consumers and merchants. (Sec. 502) Directs the Federal Reserve Board to review biennially and report to Congress on specified aspects of the consumer credit card market. Directs the federal banking agencies and the Federal Trade Commission (FTC) to report annually to the Federal Reserve Board, for inclusion in its annual report to Congress, on their regulatory activities regarding credit card issuer compliance with federal consumer protection statutes and regulations. (Sec. 503) Directs the Secretary of the Treasury to issue regulations implementing the Bank Secrecy Act regarding the sale, issuance, redemption, or international transport of stored value, including stored value cards. (Sec. 504) Amends TILA to direct the Federal Reserve Board to prescribe regulations to require creditors to establish procedures to ensure that any administrator of the estate of any deceased obligor can resolve outstanding credit balances of the estate in a timely manner. (Sec. 505) Directs the Federal Reserve Board to report to certain congressional committees on the extent to which creditors have reduced credit limits or raised interest rates applicable to credit card accounts based on specified factors, including the geographical location of a credit transaction, the identity of the merchant involved, the consumer's credit transactions, and the identity of a consumer's mortgage creditor. (Sec. 506) Directs the Federal Reserve Board to review and report to Congress on: (1) the use of credit cards by small businesses with not more than 50 employees; and (2) the credit card market for such businesses. (Sec. 507) Directs the Administrator of the Small Business Administration (SBA), in conjunction with the Secretary of Homeland Security, to establish the Small Business Information Security Task Force to: (1) address the information technology security needs of small business concerns; and (2) help them prevent the loss of credit card data. Requires the task force to make recommendations to the SBA Administrator about establishment of an Internet website to receive and dispense information and resources with respect to: (1) the information technology security needs of small business concerns; and (2) the programs and services provided by the federal government, state governments, and nongovernment organizations (NGOs) that serve those needs. Requires the task force to make recommendations also relating to developing additional education materials and programs with respect to information technology security needs. Authorizes appropriations for FY2020-FY2013. (Sec. 508) Directs the FTC to study and report to Congress on the cost-effectiveness of making technology available at an automated teller machines (ATM) that enables a consumer under duress to alert a local law enforcement agency electronically that an incident is taking place at the ATM. (Sec. 509) Directs the Comptroller General to study and report to Congress on the terms, conditions, marketing, and value to consumers of products marketed in conjunction with credit card offers. (Sec. 510) Directs the Secretary of Education and the Director of the Office of Financial Education of the Department of the Treasury to coordinate with the President's Advisory Council on Financial Literacy to report to Congress on: (1) their evaluation and compilation of a comprehensive summary of existing federal financial and economic literacy education programs; and (2) development of a strategic plan to improve and expand financial and economic literacy education. (Sec. 511) Amends the Omnibus Appropriations Act, 2009 to direct the FTC to initiate a rulemaking on unfair or deceptive acts or practices with respect to mortgage loans, loan modification, and foreclosure rescue services. Denies the FTC authority to promulgate a rule regarding an entity that is not subject to its enforcement powers. Authorizes a state, as parens patriae, to bring a civil action on behalf of its residents if the state attorney general believes that an interest of state residents is threatened or adversely affected by action of any person subject to an FTC-prescribed rule in a practice that violates such rule. (Sec. 512) Prohibits the Secretary of the Interior from promulgating or enforcing any regulation that prohibits an individual from possessing a firearm, including an assembled or functional firearm, in any unit of the National Park System (NPS) or the National Wildlife Refuge System (NWRS) if: (1) the individual is not otherwise prohibited by law from possessing the firearm; and (2) the possession of the firearm complies with the law of the state in which the NPS or NWRS unit is located. (Sec. 513) Requires the Comptroller General to study and report to Congress on: (1) the relationship between fluency in the English language and financial literacy; and (2) any extent to which individuals whose native language is a language other than English are impeded in their conduct of their financial affairs.

1242964800

2009-05-22

Tue Jan 05 19:24:20 -0600 2010

enacted

54397

'act':3 '2009':5 'card':2 'credit':1

75999

false

Credit CARD Act of 2009

short

enacted

54397

'act':7 '2009':9 'card':2 'credit':1 'account':3 'respons':4 'disclosur':6

75998

false

Credit Card Accountability Responsibility and Disclosure Act of 2009

short

passed senate

54397

'act':3 '2009':5 'card':2 'credit':1

75997

false

Credit CARD Act of 2009

short

passed senate

54397

'act':7 '2009':9 'card':2 'credit':1 'account':3 'respons':4 'disclosur':6

75996

false

Credit Card Accountability Responsibility and Disclosure Act of 2009

short

introduced

54397

'act':3 '2009':5 'card':2 'credit':1

73926

true

Credit CARD Act of 2009

popular

passed senate

54397

'act':7,14 '2009':9,16 'card':2,13 'credit':1,12 'account':3 'respons':4 'disclosur':6

73925

false

Credit Card Accountability Responsibility and Disclosure Act of 2009, or the Credit CARD Act of 2009

short

passed house

54397

'act':6 '2009':8 'bill':3 'right':5 'credit':1 'cardhold':2

72875

false

Credit Cardholders' Bill of Rights Act of 2009

short

reported to house

54397

'act':6 '2009':8 'bill':3 'right':5 'credit':1 'cardhold':2

72440

false

Credit Cardholders' Bill of Rights Act of 2009

short

introduced

54397

'of':4,7 'act':6 '2009':8 'bill':3 'credit':1 'rights':5 'cardholders':2

68294

false

Credit Cardholders' Bill of Rights Act of 2009

short

introduced

54397

'act':7 'end':23 'fair':10 'lend':6 'open':22 'plan':26 'amend':2 'relat':14 'truth':4 'consum':24 'credit':19,25 'extens':17 'purpos':30 'practic':13 'transpar':12 'establish':9

67423

false

To amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.

official

enacted

54397

1242964800 Fri May 22 00:00:00 -0500 2009 196915

Became Public Law No: 111-24.

M000087 1948-02-19

6594

2331 Rayburn House Office Building

http://maloney.house.gov/index.php?option=com_email_form&Itemid=73

14 202-225-4709 Carolyn

'd':4 'ny':5 '-14':6 'rep':1 'carolyn':2,7,9 'maloney':3,8,10

F 400251 Maloney

Carolyn_B._Maloney

B. Rep. Carolyn Maloney [D, NY-14]

3205

N00000078

8983

Democrat 202-225-7944 Presbyterian NY

Rep.

Carolyn Maloney

2.38461538461538

http://maloney.house.gov/

signed

54397

1242964800 Fri May 22 00:00:00 -0500 2009 196914

Signed by President.

enacted

54397

1242964800 Fri May 22 00:00:00 -0500 2009 196915

Became Public Law No: 111-24.

topresident

54397

1242878400 Thu May 21 00:00:00 -0500 2009 196999

Presented to President.

action

54397

1242877680 Wed May 20 12:48:00 -0500 2009 196079

Mr. Frank (MA) moved that the House agree to the Senate amendment.

action

54397

1242877680 Wed May 20 12:48:00 -0500 2009 196080

DEBATE - Puruant to the provisions of H. Res. 456, the House proceeded with one hour of debate on the motion to agree to the Senate amendment to H.R. 627. Pursuant to the provisions of H. Res. 456 and at the conclusion of debate on the motion, the Chair will put the question in divided portions.

action

54397

Wed Dec 16 01:07:21 -0600 2009

1242843900 Wed May 20 14:25:00 -0500 2009 220285

Pursuant to the provisions of H. Res. 456, the House is considered to have agreed to the Senate amendment.

action

54397

Wed Dec 16 01:07:21 -0600 2009

1242843840 Wed May 20 14:24:00 -0500 2009 220284

On motion to agree to section 512 of the Senate amendment Agreed to by the Yeas and Nays: 279 - 147 (Roll no. 277).

action

54397

Wed Dec 16 01:07:21 -0600 2009

1242843300 Wed May 20 14:15:00 -0500 2009 220283

On motion to agree to all but section 512 of the Senate amendment Agreed to by recorded vote: 361 - 64 (Roll no. 276).

action

54397

Wed Dec 16 01:07:21 -0600 2009

1242841740 Wed May 20 13:49:00 -0500 2009 220282

The previous question was ordered pursuant to the rule.

action

54397

1242840300 Wed May 20 14:25:00 -0500 2009 196082

Pursuant to the provisions of H. Res. 456, the House is considered to have agreed to the Senate amendment.

action

54397

1242840240 Wed May 20 14:24:00 -0500 2009 196998

On motion to agree to section 512 of the Senate amendment Agreed to by the Yeas and Nays: 279 - 147 (Roll no. 277).

action

54397

1242839700 Wed May 20 14:15:00 -0500 2009 196997

On motion to agree to all but section 512 of the Senate amendment Agreed to by recorded vote: 361 - 64 (Roll no. 276).

action

54397

1242838140 Wed May 20 13:49:00 -0500 2009 196081

The previous question was ordered pursuant to the rule.

action

54397

Wed Dec 16 01:07:21 -0600 2009

1242838080 Wed May 20 12:48:00 -0500 2009 220281

action

54397

Wed Dec 16 01:07:21 -0600 2009

1242838080 Wed May 20 12:48:00 -0500 2009 220280

Mr. Frank (MA) moved that the House agree to the Senate amendment.

topresident

54397

1242792000 Wed May 20 00:00:00 -0500 2009 196633

Cleared for White House.

topresident

54397

1242792000 Wed May 20 00:00:00 -0500 2009 196634

Presented to President.

vote

54397

1242705600 Tue May 19 00:00:00 -0500 2009 roll 195797 pass

5579

194

Passed Senate with an amendment by Yea-Nay Vote. 90 - 5. Record Vote Number: 194.

vote2

action

54397

1242705600 Tue May 19 00:00:00 -0500 2009 195798

Message on Senate action sent to the House.

action

54397

1242705600 Tue May 19 00:00:00 -0500 2009 195796

Considered by Senate.

action

54397

1242273600 Thu May 14 00:00:00 -0500 2009 195308

Cloture motion withdrawn by unanimous consent in Senate.

action

54397

1242273600 Thu May 14 00:00:00 -0500 2009 195307

Considered by Senate.

action

54397

1242273600 Thu May 14 00:00:00 -0500 2009 195795

Cloture motion on the bill withdrawn by unanimous consent in Senate.

action

54397

1242187200 Wed May 13 00:00:00 -0500 2009 195794

Cloture motion on the bill presented in Senate.

action

54397

1242187200 Wed May 13 00:00:00 -0500 2009 195023

Cloture motion presented in Senate.

action

54397

1242187200 Wed May 13 00:00:00 -0500 2009 195022

Considered by Senate.

action

54397

1242100800 Tue May 12 00:00:00 -0500 2009 194754

Considered by Senate.

action

54397

1242014400 Mon May 11 00:00:00 -0500 2009 194615

Measure laid before Senate by unanimous consent.

action

54397

1241668800 Thu May 07 00:00:00 -0500 2009 194363

Cloture motion on the motion to proceed to the measure withdrawn by unanimous consent in Senate.

action

54397

1241582400 Wed May 06 00:00:00 -0500 2009 194091

Motion to proceed to consideration of measure made in Senate.

action

54397

1241582400 Wed May 06 00:00:00 -0500 2009 194093

Motion to proceed to consideration of measure withdrawn in Senate.

action

54397

1241582400 Wed May 06 00:00:00 -0500 2009 194092

Cloture motion on the motion to proceed to the measure presented in Senate.

action

54397

1241149920 Thu Apr 30 12:52:00 -0500 2009 193354

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Hensarling amendment number 9.

action

54397

1241149860 Thu Apr 30 12:51:00 -0500 2009 193353

POSTPONED PROCEEDINGS - At the conclusion of debate on the Maloney amendment, the Chair put the question on adoption of the amendment and by voice vote, announced the ayes had prevailed. Mr. Neugebauer demanded a recorded vote and the Chair postponed further proceedings until later in the legislative day.

action

54397

1241149320 Thu Apr 30 12:42:00 -0500 2009 193352

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Maloney amendment.

action

54397

1241148780 Thu Apr 30 12:33:00 -0500 2009 193351

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Jones amendment.

action

54397

1241148480 Thu Apr 30 12:28:00 -0500 2009 193350

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Polis amendment.

action

54397

1241148180 Thu Apr 30 12:23:00 -0500 2009 193349

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Pingree(ME) amendment.

action

54397

1241147640 Thu Apr 30 12:14:00 -0500 2009 193348

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Gutierrez amendment number 4.

action

54397

1241147580 Thu Apr 30 12:13:00 -0500 2009 193347

POSTPONED PROCEEDINGS - At the conclusion of debate on the Slaughter amendment, the Chair put the question on adoption of the amendment and by voice vote, announced the ayes had prevailed. Mr. Neugebauer demanded a recorded vote and the Chair postponed further proceedings until later in the legislative day.

action

54397

1241146920 Thu Apr 30 12:02:00 -0500 2009 193346

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Slaughter amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241120100 Thu Apr 30 15:35:00 -0500 2009 220279

The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 627.

vote

54397

Wed Dec 16 01:07:20 -0600 2009

1241120100 Thu Apr 30 15:35:00 -0500 2009 roll 220278 pass

228

On passage Passed by recorded vote: 357 - 70 (Roll no. 228).

vote

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241119260 Thu Apr 30 15:21:00 -0500 2009 220277

On motion to recommit with instructions Failed by recorded vote: 164 - 263 (Roll no. 227).

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241118120 Thu Apr 30 15:02:00 -0500 2009 220276

The previous question on the motion to recommit with instructions was ordered without objection.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241117400 Thu Apr 30 14:50:00 -0500 2009 220275

Floor summary: DEBATE - The House proceeded with 10 minutes of debate on the Roskam motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment to add a section entitled Trigger for Enactment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241117400 Thu Apr 30 14:50:00 -0500 2009 220274

Mr. Roskam moved to recommit with instructions to Financial Services.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241117340 Thu Apr 30 14:49:00 -0500 2009 220272

The previous question was ordered pursuant to the rule.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241117340 Thu Apr 30 14:49:00 -0500 2009 220273

The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241117280 Thu Apr 30 14:48:00 -0500 2009 220271

The House rose from the Committee of the Whole House on the state of the Union to report H.R. 627.

action

54397

1241116500 Thu Apr 30 15:35:00 -0500 2009 193371

The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 627.

vote

54397

1241116500 Thu Apr 30 15:35:00 -0500 2009 roll 193370 pass

5515

228

On passage Passed by recorded vote: 357 - 70 (Roll no. 228).

vote

action

54397

1241115660 Thu Apr 30 15:21:00 -0500 2009 193369

On motion to recommit with instructions Failed by recorded vote: 164 - 263 (Roll no. 227).

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241114580 Thu Apr 30 14:03:00 -0500 2009 220270

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Schock amendment.

action

54397

1241114520 Thu Apr 30 15:02:00 -0500 2009 193368

The previous question on the motion to recommit with instructions was ordered without objection.

action

54397

1241113800 Thu Apr 30 14:50:00 -0500 2009 193366

Mr. Roskam moved to recommit with instructions to Financial Services.

action

54397

1241113800 Thu Apr 30 14:50:00 -0500 2009 193367

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241113800 Thu Apr 30 13:50:00 -0500 2009 220269

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Teague amendment.

action

54397

1241113740 Thu Apr 30 14:49:00 -0500 2009 193364

The previous question was ordered pursuant to the rule.

action

54397

1241113740 Thu Apr 30 14:49:00 -0500 2009 193365

The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union.

action

54397

1241113680 Thu Apr 30 14:48:00 -0500 2009 193363

The House rose from the Committee of the Whole House on the state of the Union to report H.R. 627.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241113200 Thu Apr 30 13:40:00 -0500 2009 220268

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee on the Whole proceeded with 10 minutes of debate on the Schauer amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241112660 Thu Apr 30 13:31:00 -0500 2009 220267

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Perriello amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241112180 Thu Apr 30 13:23:00 -0500 2009 220266

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Gutierrez amendment number 13.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241111880 Thu Apr 30 13:18:00 -0500 2009 220265

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Price(NC) amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241111700 Thu Apr 30 13:15:00 -0500 2009 220264

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Minnick amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241111040 Thu Apr 30 13:04:00 -0500 2009 220263

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Hensarling amendment number 10.

action

54397

1241110980 Thu Apr 30 14:03:00 -0500 2009 193362

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Schock amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241110320 Thu Apr 30 12:52:00 -0500 2009 220262

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Hensarling amendment number 9.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241110260 Thu Apr 30 12:51:00 -0500 2009 220261

action

54397

1241110200 Thu Apr 30 13:50:00 -0500 2009 193361

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Teague amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241109720 Thu Apr 30 12:42:00 -0500 2009 220260

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Maloney amendment.

action

54397

1241109600 Thu Apr 30 13:40:00 -0500 2009 193360

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee on the Whole proceeded with 10 minutes of debate on the Schauer amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241109180 Thu Apr 30 12:33:00 -0500 2009 220259

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Jones amendment.

action

54397

1241109060 Thu Apr 30 13:31:00 -0500 2009 193359

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Perriello amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241108880 Thu Apr 30 12:28:00 -0500 2009 220258

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Polis amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241108580 Thu Apr 30 12:23:00 -0500 2009 220257

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Pingree(ME) amendment.

action

54397

1241108580 Thu Apr 30 13:23:00 -0500 2009 193358

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Gutierrez amendment number 13.

action

54397

1241108280 Thu Apr 30 13:18:00 -0500 2009 193357

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Price(NC) amendment.

action

54397

1241108100 Thu Apr 30 13:15:00 -0500 2009 193356

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Minnick amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241108040 Thu Apr 30 12:14:00 -0500 2009 220256

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Gutierrez amendment number 4.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241107980 Thu Apr 30 12:13:00 -0500 2009 220255

action

54397

1241107440 Thu Apr 30 13:04:00 -0500 2009 193355

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Hensarling amendment number 10.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241107320 Thu Apr 30 12:02:00 -0500 2009 220254

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Slaughter amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241106780 Thu Apr 30 11:53:00 -0500 2009 220253

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Frank amendment.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241106060 Thu Apr 30 11:41:00 -0500 2009 220252

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 20 minutes of debate on the Gutierrez amendment number 1.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241106000 Thu Apr 30 11:40:00 -0500 2009 220249

Considered as unfinished business.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241106000 Thu Apr 30 11:40:00 -0500 2009 220251

FURTHER CONSIDERATION OF H.R. 627 - Pursuant to the provisions of H.Res. 379, the Committee of the Whole resumed consideration of H.R. 627 and the amendments made in order thereto by the rule.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241106000 Thu Apr 30 11:40:00 -0500 2009 220250

The House resolved into Committee of the Whole House on the state of the Union for further consideration.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241105940 Thu Apr 30 11:39:00 -0500 2009 220248

Rule H. Res. 379 passed House.

action

54397

1241103180 Thu Apr 30 11:53:00 -0500 2009 193345

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Frank amendment.

action

54397

1241102460 Thu Apr 30 11:41:00 -0500 2009 193344

DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 20 minutes of debate on the Gutierrez amendment number 1.

action

54397

1241102400 Thu Apr 30 11:40:00 -0500 2009 193342

The House resolved into Committee of the Whole House on the state of the Union for further consideration.

action

54397

1241102400 Thu Apr 30 11:40:00 -0500 2009 193343

FURTHER CONSIDERATION OF H.R. 627 - Pursuant to the provisions of H.Res. 379, the Committee of the Whole resumed consideration of H.R. 627 and the amendments made in order thereto by the rule.

action

54397

1241102400 Thu Apr 30 11:40:00 -0500 2009 193341

Considered as unfinished business.

action

54397

1241102340 Thu Apr 30 11:39:00 -0500 2009 193340

Rule H. Res. 379 passed House.

calendar

54397

1241064000 Thu Apr 30 00:00:00 -0500 2009 193372

Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 55.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241045460 Wed Apr 29 18:51:00 -0500 2009 220247

Rules Committee Resolution H. Res. 379 Reported to House. Rule provides for consideration of H.R. 627. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill. All points of order against the committee amendment in the nature of a substitute are waived except those arising under clause 10 of rule XXI.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241043720 Wed Apr 29 18:22:00 -0500 2009 220246

Committee of the Whole House on the state of the Union rises leaving H.R. 627 as unfinished business.

action

54397

1241041860 Wed Apr 29 18:51:00 -0500 2009 193037

action

54397

1241040120 Wed Apr 29 18:22:00 -0500 2009 193036

Committee of the Whole House on the state of the Union rises leaving H.R. 627 as unfinished business.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241039340 Wed Apr 29 17:09:00 -0500 2009 220243

The House resolved into Committee of the Whole on the state of the Union pursuant to special order.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241039340 Wed Apr 29 17:09:00 -0500 2009 220242

Considered pursuant to a previous order.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241039340 Wed Apr 29 17:09:00 -0500 2009 220244

The Speaker designated the Honorable Henry Cuellar to act as Chairman of the Committee.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241039340 Wed Apr 29 17:09:00 -0500 2009 220245

GENERAL DEBATE - Pursuant to a previous special order, the Committee of the Whole proceeded with one hour of general debate on H.R. 627.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1241039220 Wed Apr 29 17:07:00 -0500 2009 220241

Consideration initiated pursuant to a previous order.

action

54397

1241035740 Wed Apr 29 17:09:00 -0500 2009 193032

Considered pursuant to a previous order.

action

54397

1241035740 Wed Apr 29 17:09:00 -0500 2009 193033

The House resolved into Committee of the Whole on the state of the Union pursuant to special order.

action

54397

1241035740 Wed Apr 29 17:09:00 -0500 2009 193035

GENERAL DEBATE - Pursuant to a previous special order, the Committee of the Whole proceeded with one hour of general debate on H.R. 627.

action

54397

1241035740 Wed Apr 29 17:09:00 -0500 2009 193034

The Speaker designated the Honorable Henry Cuellar to act as Chairman of the Committee.

action

54397

1241035620 Wed Apr 29 17:07:00 -0500 2009 193031

Consideration initiated pursuant to a previous order.

calendar

54397

Wed Dec 16 01:07:20 -0600 2009

1240879440 Mon Apr 27 20:44:00 -0500 2009 220240

Placed on the Union Calendar, Calendar No. 41.

action

54397

Wed Dec 16 01:07:20 -0600 2009

1240879380 Mon Apr 27 20:43:00 -0500 2009 220239

Reported (Amended) by the Committee on Financial Services. H. Rept. 111-88.

calendar

54397

1240875840 Mon Apr 27 20:44:00 -0500 2009 192571

Placed on the Union Calendar, Calendar No. 41.

action

54397

1240875780 Mon Apr 27 20:43:00 -0500 2009 192570

Reported (Amended) by the Committee on Financial Services. H. Rept. 111-88.

action

54397

1240372800 Wed Apr 22 00:00:00 -0500 2009 192568

Committee Consideration and Mark-up Session Held.

calendar

54397

1240372800 Wed Apr 22 00:00:00 -0500 2009 192569

Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 19.

action

54397

1238644800 Thu Apr 02 00:00:00 -0500 2009 191496

Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote .

action

54397

1238644800 Thu Apr 02 00:00:00 -0500 2009 191495

Subcommittee Consideration and Mark-up Session Held.

action

54397

1238558400 Wed Apr 01 00:00:00 -0500 2009 191494

Subcommittee Consideration and Mark-up Session Held.

action

54397

1237435200 Thu Mar 19 00:00:00 -0500 2009 189959

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

action

54397

1237435200 Thu Mar 19 00:00:00 -0500 2009 189960

Subcommittee Hearings Held.

action

54397

1232600400 Thu Jan 22 00:00:00 -0600 2009 182026

Sponsor introductory remarks on measure. (CR E122)

action

54397

1232600400 Thu Jan 22 00:00:00 -0600 2009 182027

Referred to the House Committee on Financial Services.

introduced

54397

1232600400 Thu Jan 22 00:00:00 -0600 2009 182025

279

54397

Wed May 20 13:24:00 -0500 2009

false

5593

false

147 277

257

0 Concur In Sec. 512 of Sen Amdt.: H R 627 Credit Cardholders’ Bill of Rights Act of 2009

true

1/2 Passed

Concur In Sec. 512 of Sen Amdt.

Wed May 20 14:05:21 -0500 2009 house

361

54397

Wed May 20 13:15:00 -0500 2009

true

5584

false

64 276

157

0 Concur In All But Sec. 512 of Sen Amdt.: H R 627 Credit Cardholders’ Bill of Rights Act of 2009

true

1/2 Passed

Concur In All But Sec. 512 of Sen Amdt.

Wed May 20 14:05:09 -0500 2009 house

54397

Tue May 19 11:53:00 -0500 2009

true

5579

false

5 194

295

0 On Passage of the Bill (H.R. 627 As Amended)

true

1/2 Bill Passed

On Passage of the Bill

Sun Jan 03 16:38:07 -0600 2010 senate

19048

54397

Tue May 19 11:18:00 -0500 2009

true

5580

false

2 193

142

0 On the Cloture Motion (Motion to Invoke Cloture on the Dodd Amdt. No. 1058)

true

3/5 Cloture Motion Agreed to

On the Cloture Motion

Sun Jan 03 16:38:08 -0600 2010 senate

19075

54397

Wed May 13 15:51:00 -0500 2009

false

5561

false

35 192

180

0 On the Motion (Motion to Waive CBA Re: Gregg Amdt. No. 1085)

true

3/5 Motion Rejected

On the Motion

Sun Jan 03 16:38:09 -0600 2010 senate

19052

54397

Wed May 13 15:24:00 -0500 2009

true

5560

false

60 191

333

0 On the Motion (Motion to Waive CBA Sanders Amdt. No. 1062)

false

3/5 Motion Rejected

On the Motion

Sun Jan 03 16:38:11 -0600 2010 senate

19056

54397

Wed May 13 14:56:00 -0500 2009

false

5559

false

65 190

172

0 On the Amendment (Vitter Amdt. No. 1066)

true

1/2 Amendment Rejected

On the Amendment

Sun Jan 03 16:38:12 -0600 2010 senate

19057

54397

Tue May 12 16:45:00 -0500 2009

false

5546

false

29 188

252

0 On the Amendment (Coburn Amdt. No. 1067)

true

3/5 Amendment Agreed to

On the Amendment

Sun Jan 03 16:38:14 -0600 2010 senate

357

54397

Thu Apr 30 14:34:00 -0500 2009

true

5515

false

70 228

239

0 On Passage: H R 627 Credit Cardholders’ Bill of Rights Act of 2009

true

1/2 Passed

On Passage

Sun May 03 14:19:10 -0500 2009 house

164

54397

Thu Apr 30 14:21:00 -0500 2009

false

5516

false

263 227

0 On Motion to Recommit with Instructions: H R 627 Credit Cardholders’ Bill of Rights Act of 2009

true

1/2 Failed

On Motion to Recommit with Instructions

Sun May 03 14:19:07 -0500 2009 house

284

54397

Thu Apr 30 13:48:00 -0500 2009

true

5518

false

149 226

0 On Agreeing to the Amendment: Amendment 8 to H R 627

false

1/2 Agreed to

On Agreeing to the Amendment

Sun May 03 14:19:04 -0500 2009 house

276

54397

Thu Apr 30 13:39:00 -0500 2009

true

5513

false

154 225

0 On Agreeing to the Amendment: Amendment 3 to H R 627

false

1/2 Agreed to

On Agreeing to the Amendment

Sun May 03 14:19:00 -0500 2009 house