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S.392 Credit Card Reform Act of 2009, 111th Congress

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Official Bill Info

  • Latest Action: Feb 06, 2009 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

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    I know the most recent action for this bill is as follows: "Read twice and referred to the Committee on Banking, Housing, and Urban Affairs." on Feb 06, 2009
  • Committee Assignment: Senate Committee on Banking, Housing, and Urban Affairs

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    This bill has been assigned to the Senate Committee on Banking, Housing, and Urban Affairs committee.

Bill Statistics on OpenCongress

  • 21% of users oppose S.392

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    21% of users on OpenCongress.org, a free, non-partisan resource, oppose S.392.
  • S.392 has been viewed 41,127 times

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    S.392 has been viewed 41,127 times on OpenCongress.org, a free, non-partisan resource.
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    Most-commented sections of the bill text

    Highest Rated User Comments

    • On March 06, 2009, by ms_mich - This bill does not go far enough >> I agree!!! I also don't believe that these credit card companies and banks, who themselves have been proven not to be credit worthy at all, who are borrowing money from US, the American people since they ran their credit fully in to the ground get to also be the ones who regulate OUR LIVES and OUR credit ratings based on some hidden formula THEY have created. These banking companies and credit card companies can't even qualify for their own credit based on the very scores they regulate us by. They should not be given so much power (or rather none anymore) over our lives on some hidden 3 number score somewhere - and a number that they have now destroyed by consistently upping interest rates while the economy is sinking and while they themselves are being bailed out with OUR money!

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      As noted by ms_mich, a user on OpenCongress.org, on March 06, 2009, "This bill does not go far enough >> I agree!!! I also don't believe that these credit card companies and banks, who themselves have been proven not to be credit worthy at all, who are borrowing money from US, the American people since they ran their credit fully in to the ground get to also be the ones who regulate OUR LIVES and OUR credit ratings based on some hidden formula THEY have created. These banking companies and credit card companies can't even qualify for their own credit based on the very scores they regulate us by. They should not be given so much power (or rather none anymore) over our lives on some hidden 3 number score somewhere - and a number that they have now destroyed by consistently upping interest rates while the economy is sinking and while they themselves are being bailed out with OUR money!"
    • On February 23, 2009, by Anonymous - this bill does not go far enough. Credit card interest rates need to be capped either nationally or by state. Credit card issuers should not be allowed to increase interest rates (except in variable rate situations) on consumers in good standing. Credit card issuers should be made to post interest rate increase alerts to all members signed up for online account access. Credit card issuers are raping the American public and helping to cause individuals to default. By allowing the current usury rates charged by credit card issuers the law is letting them make indentured servants of the public.

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      As noted by Anonymous, a user on OpenCongress.org, on February 23, 2009, "this bill does not go far enough. Credit card interest rates need to be capped either nationally or by state. Credit card issuers should not be allowed to increase interest rates (except in variable rate situations) on consumers in good standing. Credit card issuers should be made to post interest rate increase alerts to all members signed up for online account access. Credit card issuers are raping the American public and helping to cause individuals to default. By allowing the current usury rates charged by credit card issuers the law is letting them make indentured servants of the public."
    • On February 19, 2010, by moeislem - This bill does not go far enough >>> I agree. This bill is a joke. When I first heard about the bill I thought, wow, amazing, our senators/representatives finally did something for the people rather than for the big corporations. But I just realized it is just some token hand out mostly for show. I just learned that I had misunderstood what I considered the most useful item in the bill. I thought any payments you make will first go towards the portion of your debt that has the highest interest rate. This is not the case! Only the portion of your payment OVER the minimum payment, if any, will go towards the higer interest portion. The leaches still apply your minimum payment to your lowest interest rate debt, so they can keep sucking the blood as long as possible! I honestly believe a good number of our Congress people are criminals and corporate agents, and all are selfish ego maniacs who will do anything to accumulate wealth while in power.

      Clicking this will add the following text:

      As noted by moeislem, a user on OpenCongress.org, on February 19, 2010, "This bill does not go far enough >>> I agree. This bill is a joke. When I first heard about the bill I thought, wow, amazing, our senators/representatives finally did something for the people rather than for the big corporations. But I just realized it is just some token hand out mostly for show. I just learned that I had misunderstood what I considered the most useful item in the bill. I thought any payments you make will first go towards the portion of your debt that has the highest interest rate. This is not the case! Only the portion of your payment OVER the minimum payment, if any, will go towards the higer interest portion. The leaches still apply your minimum payment to your lowest interest rate debt, so they can keep sucking the blood as long as possible! I honestly believe a good number of our Congress people are criminals and corporate agents, and all are selfish ego maniacs who will do anything to accumulate wealth while in power."

    Highly Rated Blog Articles

    • THE QUEEN v HUTCHINGS | 73 Wire - January 03, 2011 by 73 Wire - DISPOSITION: Appeal allowed. SOLICITORS: Solicitors for appellants: Gregory & Co.; for H. & G. W. Fox. Solicitors for respondent: Norris, Allen & Co.; for Diggles & Ogden. n(1) 5 M. & S. 392. Comments are closed. ...

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      As noted by 73 Wire on January 03, 2011, "DISPOSITION: Appeal allowed. SOLICITORS: Solicitors for appellants: Gregory & Co.; for H. & G. W. Fox. Solicitors for respondent: Norris, Allen & Co.; for Diggles & Ogden. n(1) 5 M. & S. 392. Comments are closed. ..." (http://73wire.com/england-and-wales/the-queen-v-hutchings/)
    • Rez. AG: F. McLynn: Marcus Aurelius - H-Soz-u-Kult / Rezensionen ... - December 12, 2010 by H-Soz-u-Kult - 53), Aelius Aristides und Galen ergeht es nicht besser (S. 392 u. 348f.). Ein geheimnisvoller „subtext“ der Selbstbetrachtungen (S. 75; vgl. 95) soll Kritik an der Behandlung durch Antoninus Pius, einen „pedantic, control-freak, ...

      Clicking this will add the following text:

      As noted by H-Soz-u-Kult on December 12, 2010, "53), Aelius Aristides und Galen ergeht es nicht besser (S. 392 u. 348f.). Ein geheimnisvoller „subtext“ der Selbstbetrachtungen (S. 75; vgl. 95) soll Kritik an der Behandlung durch Antoninus Pius, einen „pedantic, control-freak, ..." (http://hsozkult.geschichte.hu-berlin.de/rezensionen/2010-4-185)
    • Diskussion zur Quotenentwicklung - Sat.1 Forum - November 04, 2010 by Sat.1 Forum - Videotext, S. 392) ab 3 Jahre: 1,96 Mio.; 9,3 % 14-49 Jahre: 0,85 Mio.; 11,5 % Also, noch mal ein Stück runtergegangen. Auch kein Wunder, schließlich gibt es außer ein paar neuer Kulissen und Gesichtern kaum was Interessantes zu sehen. ...

      Clicking this will add the following text:

      As noted by Sat.1 Forum on November 04, 2010, "Videotext, S. 392) ab 3 Jahre: 1,96 Mio.; 9,3 % 14-49 Jahre: 0,85 Mio.; 11,5 % Also, noch mal ein Stück runtergegangen. Auch kein Wunder, schließlich gibt es außer ein paar neuer Kulissen und Gesichtern kaum was Interessantes zu sehen. ..." (http://forum.sat1.de/showthread.php?t=12540)

    Highly Rated News Articles

    • 200. Geburtstag von Charles Darwin - February 11, 2009 by Funke, Germany - Die Anfänge der Menschheit, München 1982, S.392.) Der Psychologe Jerome Bruner betont in seinen Schriften über die geistige Entwicklung von Kindern, ...

      Clicking this will add the following text:

      As noted by Funke, Germany on February 11, 2009, "Die Anfänge der Menschheit, München 1982, S.392.) Der Psychologe Jerome Bruner betont in seinen Schriften über die geistige Entwicklung von Kindern, ..." (http://www.derfunke.de/content/view/695/75/)
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