The National Credit Card Consumer Protection Act, and the Credit Cardholder Protection Act: Hearing Before the Subcommittee on Financial Institutions and Consumer Affairs of the Committee on Banking, Housing, and Urban Affairs, United States Senate, Ninety-ninth Congress, Second Session, on S. 1603 ... and S. 1922 ... January 28, 1986 |
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American Bankers Association annual fees annual percentage rate application average daily balance bank card Bankers Association card accounts card interest rates cardholders cards issued ceiling on credit Chairman competition Congress consumer credit cost of credit cost of funds credit card credit credit card industry credit card interest credit card issuers credit card market credit card operations credit card plans credit card programs credit card rates creditors customers disclosure discount rate economic Electronic Funds Transfer Federal Reserve Board finance charges financial institutions forms of consumer grace period higher increase interest rate ceilings interest rate controls J.C. Penney legislation lenders limit losses merchant discount million National Bank offer outstanding payment percent price controls prime rate profit proposed Rainier Bank rates charged rates on credit regulation restrictive retail cards revenue Senator D'AMATO Senator GORTON Senator Hawkins statement subcommittee sumer transaction Truth in Lending Truth-in-Lending Act usury ceilings Washington
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Page 173 - Consumers Union is a nonprofit membership organization chartered in 1936 under the laws of the State of New York to provide information, education and counsel about consumer goods and services and the management of family income. Consumers Union's income is derived solely from the sale of Consumer Reports, its other publications and films. Expenses of occasional public service efforts may be met, in part, by nonrestrictive, noncommercial contributions, grants and fees.
Page 18 - Mr. Chairman, I appreciate the opportunity to appear before the subcommittee to present the views of the...
Page 45 - Any association may take, receive, reserve and charge on any loan or discount made, or upon any note, bill of exchange or other evidence of debt, interest at the rate allowed by the laws of the state where the bank is located and no more.
Page 81 - For these data, we are submitting a more detailed written supplement to this oral presentation and ask that it be included in the record of these hearings following my remarks.
Page 18 - We appreciate having your statement and it will be included in the record as if read.
Page 47 - NRMA is the nation's largest trade association for the general merchandise retail industry. Our members operate 45,000 leading department, chain, independent and specialty stores in all 50 states.
Page 11 - The discount rate is the interest rate charged by the Federal Reserve Banks on extensions of short-term credit to depository institutions, and is a tool of monetary policy.
Page 10 - Thank you for coming this long distance, and we are anxious to hear what you have to say. STATEMENT OF HON.
Page 13 - HECHT) introduced the following bill; which was read twice and referred to the Committee on...
Page 45 - Marquette National Bank of Minneapolis v. First of Omaha Service Corp., 439 US 299 (1978).