H.R. 627, the Credit Cardholders' Bill of Rights Act of 2009; and H.R. 1456, the Consumer Overdraft Protection Fair Practices Act of 2009: hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Eleventh Congress, first session, March 19, 2009
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Braunstein Sandra F Director Division of Consumer and Community
Clayton Kermeth J Senior Vice PresidentGeneral Counsel American Bank
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account holders Agencies Americans annual percentage rate beneﬁt Bill of Rights billion Board BRAUNSTEIN Chairman GUTIERREZ changes charged community banks Community Groups Consumer and Community consumer credit Consumer Overdraft Protection consumer testing consumer’s cost credit card accounts credit card companies credit card debt credit card issuers credit card practices Credit Cardholders credit limit credit unions customers debit card difﬁcult disclosures Fair Practices Act FDIC Federal Reserve federally insured credit ﬁnal rule ﬁnance ﬁnancial institutions ﬁrst FTC Act funds Hensarling implementation insured credit unions interchange fees interest rates issued legislation MALONEY March 19 NCUA overdraft fees overdraft loans overdraft programs Overdraft Protection Fair overdraft protection programs overdraft services payday loan percent prohibit proposed Protection Fair Practices rate increases regulations require risk risk-based pricing signiﬁcant signiﬁcantly small businesses speciﬁc sumers Testimony of Twelve Thank TILA Truth in Lending Twelve Consumer UDAP Rule universal default