Modernizing consumer protection in the financial regulatory system: strengthening credit card protections : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Eleventh Congress, first session, on reforming the practices of credit card companies and providing new protections for consumers, February 12, 2009
U.S. G.P.O., 2009 - Business & Economics - 233 pages
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THURSDAY FEBRUARY 12
Adam J Levitin Associate Professor of Law Georgetown University
Ausubel Professor of Economics University of Maryland
abusive access to credit Americans amount annual fees Ausubel Bank of America bankruptcy beneﬁts billing practices billion borrowers card interest rates cardholders cash advance Chairman DODD changes Clayton consumer credit consumer debt consumer protection consumer’s cost of credit cost of funds credit card accounts credit card companies credit card debt credit card industry credit card interest credit card issuers credit card market credit card practices credit card pricing credit limit creditors customers disclosure economic existing balances Federal Reserve ﬁnancial ﬁnd ﬁrst households income increase interest rates interchange fees issue late fees late payment lending Levitin minimum payment Morrison & Foerster mortgage Ofﬁce overlimit fees penalty fees penalty interest rate penalty rate percent price points proﬁts Providian rates and fees reﬂect regulation regulatory repayment repricing revolving credit risk proﬁle risk-based pricing rule securitization signiﬁcant signiﬁcantly subprime sumers supra note Error transaction unfair universal default Zywicki