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S.500 Protecting Consumers from Unreasonable Credit Rates Act of 2009, 111th Congress

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Official Bill Info

  • Latest Action: Feb 26, 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 26, 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

  • 49% of users oppose S.500

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    49% of users on OpenCongress.org, a free, non-partisan resource, oppose S.500.
  • S.500 has been viewed 9,081 times

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    S.500 has been viewed 9,081 times on OpenCongress.org, a free, non-partisan resource.
  • Contribution Data

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    Supporting Organizations

    • ACORN

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      I know that the organization ACORN supports S.500
    • Americans for Fairness in Lending

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      I know that the organization Americans for Fairness in Lending supports S.500
    • Consumer Action

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      I know that the organization Consumer Action supports S.500
    • Consumer Federation of America

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      I know that the organization Consumer Federation of America supports S.500
    • Consumers Union

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      I know that the organization Consumers Union supports S.500
    • National Community Reinvestment Coalition

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      I know that the organization National Community Reinvestment Coalition supports S.500
    • National Consumer Law Center

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      I know that the organization National Consumer Law Center supports S.500
    • National Fair Housing Alliance

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      I know that the organization National Fair Housing Alliance supports S.500
    • Center for Responsible Lending

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      I know that the organization Center for Responsible Lending supports S.500
    • Woodstock Institute

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      I know that the organization Woodstock Institute supports S.500
    • National Association of Consumer Advocates

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      I know that the organization National Association of Consumer Advocates supports S.500
    • Public Citizen

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      I know that the organization Public Citizen supports S.500
    • Jewish Council for Public Affairs

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      I know that the organization Jewish Council for Public Affairs supports S.500
    • Consumers for Auto Reliability and Safety

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      I know that the organization Consumers for Auto Reliability and Safety supports S.500
    • National Association for the Advancement of Colored People

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      I know that the organization National Association for the Advancement of Colored People supports S.500
    • National Congress of American Indians

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      I know that the organization National Congress of American Indians supports S.500
    • U.S. PIRG

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      I know that the organization U.S. PIRG supports S.500

    Opposing Organizations

    • American Financial Services Association

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      I know that the organization American Financial Services Association opposes S.500
    • Community Financial Services Association of America

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      I know that the organization Community Financial Services Association of America opposes S.500

    Most-commented sections of the bill text

    Highest Rated User Comments

    • On May 29, 2009, by kevinmcc - Cap interest at 36%? That is still ridiculous. Try a cap at 20%.

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      As noted by kevinmcc, a user on OpenCongress.org, on May 29, 2009, "Cap interest at 36%? That is still ridiculous. Try a cap at 20%."
    • On April 22, 2009, by idiotsn2009 - I am unsure where you live freedomofchoice...but in states like oklahoma, you borrow $216 and payback $330. How do you like those apples? Instead of paying back $30 how about $114? Since we are dealing with credit challenged people who do not understand the importance of paying on time...lets add a $15 late fee if not paid by the 10th day. Over 6 months, an uneducated customer could pay $420 for that original $216. Now, don't say they should be on time. We all know that, but I have worked in this business and I have seen it happen, more often than not. So who's being helped more, the customer or the CEO? And if you feel that you are really backed into a corner...can you say it's your decision to borrow at 100% interest or the company's whose money you are borrowing? If you had a choice of low interest or hight interest which would you honestly choose?

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      As noted by idiotsn2009, a user on OpenCongress.org, on April 22, 2009, "I am unsure where you live freedomofchoice...but in states like oklahoma, you borrow $216 and payback $330. How do you like those apples? Instead of paying back $30 how about $114? Since we are dealing with credit challenged people who do not understand the importance of paying on time...lets add a $15 late fee if not paid by the 10th day. Over 6 months, an uneducated customer could pay $420 for that original $216. Now, don't say they should be on time. We all know that, but I have worked in this business and I have seen it happen, more often than not. So who's being helped more, the customer or the CEO? And if you feel that you are really backed into a corner...can you say it's your decision to borrow at 100% interest or the company's whose money you are borrowing? If you had a choice of low interest or hight interest which would you honestly choose? "
    • On April 22, 2009, by idiotsn2009 - I don't want to hear less than perfect credit. I've worked in this line of work for 18 years. I see credit with charge offs from every loan company in town. All within different years. explain that. Joe Jones fell on hard time every year someone gave him a chance? No, its ignorance to understanding credit. walk in my shoes for 18 years and you will see what I am trying to get you to understand. It may not be your intent to walk into a finance company, get a loan, and never come back, but you would be amazed at how many people do that.

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      As noted by idiotsn2009, a user on OpenCongress.org, on April 22, 2009, "I don't want to hear less than perfect credit. I've worked in this line of work for 18 years. I see credit with charge offs from every loan company in town. All within different years. explain that. Joe Jones fell on hard time every year someone gave him a chance? No, its ignorance to understanding credit. walk in my shoes for 18 years and you will see what I am trying to get you to understand. It may not be your intent to walk into a finance company, get a loan, and never come back, but you would be amazed at how many people do that. "

    Highly Rated Blog Articles

    • Maruti Alto F8 Does 150 kmph - January 03, 2011 by Motorbeam.com - IPC violations under S.499 and S.500. 7)Finally..Suvendhra and Motorbeam..thank you for sticking up! Further Questions will be answered. Photoshop claims will not be entertained. Neither am I a practisionist of Adobe, nor do i encourage ...

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      As noted by Motorbeam.com on January 03, 2011, "IPC violations under S.499 and S.500. 7)Finally..Suvendhra and Motorbeam..thank you for sticking up! Further Questions will be answered. Photoshop claims will not be entertained. Neither am I a practisionist of Adobe, nor do i encourage ..." (http://www.motorbeam.com/cars/maruti-alto/maruti-alto-f8-does-150-kmph/)
    • Religion Calendar, Jan. 1-7 | Standard-Examiner – Ogden, Layton ... - December 30, 2010 by Latest Headlines - Clearfield Community Church, 200 S. 500 East, Clearfield - As an outreach to the community we will be providing a free dinner to anyone and everyone who comes at 6 p.m. on Wednesdays. After dinner, if you would like, you can join us for ...

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      As noted by Latest Headlines on December 30, 2010, "Clearfield Community Church, 200 S. 500 East, Clearfield - As an outreach to the community we will be providing a free dinner to anyone and everyone who comes at 6 p.m. on Wednesdays. After dinner, if you would like, you can join us for ..." (http://www.standard.net/topics/religion/2010/12/31/religion-calendar-jan-1-7)
    • More things to do | Standard-Examiner – Ogden, Layton, Brigham ... - December 22, 2010 by Standard-Examiner - PIONEER CRAFT HOUSE, 3271 S. 500 East, SLC. Nonprofit dedicated to preserving and teaching craft, including jewelry making, pottery, wood carving, rug making and more. Demonstrations and classes. 9 a.m.-4 p.m. Monday-Friday. ...

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      As noted by Standard-Examiner on December 22, 2010, "PIONEER CRAFT HOUSE, 3271 S. 500 East, SLC. Nonprofit dedicated to preserving and teaching craft, including jewelry making, pottery, wood carving, rug making and more. Demonstrations and classes. 9 a.m.-4 p.m. Monday-Friday. ..." (http://www.standard.net/topics/features/2010/12/23/more-things-do)

    Highly Rated News Articles

    • Diabetes test offered Thursday, Saturday - March 09, 2009 by Deseret News - Participating locations are 455 S. 500 East; 1174 W. 600 North; 828 S. 900 West; 3215 S. Valley St. (3300 East); 2039 E. 9400 South; and 1820 W. 9000 South. ...

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      As noted by Deseret News on March 09, 2009, "Participating locations are 455 S. 500 East; 1174 W. 600 North; 828 S. 900 West; 3215 S. Valley St. (3300 East); 2039 E. 9400 South; and 1820 W. 9000 South. ..." (http://deseretnews.com/article/1,5143,705289896,00.html)
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