Improving credit card consumer protection: recent industry and regulatory initiatives : hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, first session, June 7, 2007, Volume 4
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Dugan Hon John C Comptroller of the Currency Office of the Comptroller
Neiman Richard H Superintendent New York State Banking Department
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apply Bachus Bank of America Board Board's proposal Carey Chairwoman Maloney competition compliance consumer complaints Consumer Credit consumer protection consumer testing credit card accounts credit card companies credit card debt credit card disclosures credit card industry credit card issuers credit card lending credit card market credit card practices credit limit credit score creditors customers disclosed double-cycle billing Ellison Empire State Plaza enforcement actions examination FDIC federal credit unions Federal Reserve federally insured credit finance charges Financial Institutions Government Accountability Office guidance improve increase insured credit unions interest rate issues late fees laws Madam Chairwoman minimum payment national banks NCUA negative amortization penalty rate percent periodic statement PIRG programs Regulation regulatory repricing risk risk-based pricing safety and soundness Schumer box securitized small businesses Subcommittee on Financial subprime credit card sumer supervisory Thank thrifts TILA Truth in Lending understand universal default