3.0.0 3492 2023-01-13T04:50:33Z 2023-01-13T04:50:33Z House H HR 2005-07-27 109 hsba00 Financial Services Committee House Standing hsba15 Consumer Protection and Financial Institutions Subcommittee Referred to 2005-08-24T19:55:17Z Referred to 2005-07-27T14:05:30Z 2005-08-24 hsba15 Consumer Protection and Financial Institutions Subcommittee 1 House committee actions Referred to the Subcommittee on Financial Institutions and Consumer Credit. Committee 2005-07-27 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2005-07-27 Introduced in House IntroReferral Intro-H 9 Library of Congress 2005-07-27 Introduced in House IntroReferral 1000 9 Library of Congress S000033 Rep. Sanders, Bernard [I-VT-At Large] Bernard Sanders I VT N F000339 Rep. Frank, Barney [D-MA-4] BARNEY FRANK D MA 4 2005-07-27 True M000309 Rep. McCarthy, Carolyn [D-NY-4] CAROLYN MCCARTHY D NY 4 2005-07-27 True L000551 Rep. Lee, Barbara [D-CA-9] BARBARA LEE D CA 9 2005-07-27 True K000336 Rep. Kucinich, Dennis J. [D-OH-10] DENNIS KUCINICH D OH J. 10 2005-07-28 False H000324 Rep. Hastings, Alcee L. [D-FL-23] ALCEE HASTINGS D FL L. 23 2005-07-28 False B000410 Rep. Berman, Howard L. [D-CA-28] HOWARD BERMAN D CA L. 28 2005-07-28 False M001160 Rep. Moore, Gwen [D-WI-4] Gwen Moore D WI 4 2005-07-29 False G000535 Rep. Gutierrez, Luis V. [D-IL-4] LUIS GUTIERREZ D IL V. 4 2005-07-29 False S001145 Rep. Schakowsky, Janice D. [D-IL-9] JANICE SCHAKOWSKY D IL D. 9 2005-07-29 False M000404 Rep. McDermott, Jim [D-WA-7] JIM MCDERMOTT D WA 7 2005-07-29 False B000574 Rep. Blumenauer, Earl [D-OR-3] EARL BLUMENAUER D OR 3 2005-09-20 False G000551 Rep. Grijalva, Raúl M. [D-AZ-7] Raúl Grijalva D AZ M. 7 2005-09-20 False M000725 Rep. Miller, George [D-CA-7] GEORGE MILLER D CA 7 2005-09-20 False C000984 Rep. Cummings, Elijah E. [D-MD-7] ELIJAH CUMMINGS D MD E. 7 2005-09-20 False F000116 Rep. Filner, Bob [D-CA-51] BOB FILNER D CA 51 2005-10-07 False D000216 Rep. DeLauro, Rosa L. [D-CT-3] ROSA DELAURO D CT 3 2005-10-07 False L000287 Rep. Lewis, John [D-GA-5] JOHN LEWIS D GA 5 2005-10-17 False W000215 Rep. Waxman, Henry A. [D-CA-30] HENRY WAXMAN D CA A. 30 2005-11-04 False U000039 Rep. Udall, Tom [D-NM-3] TOM UDALL D NM 3 2005-11-04 False S000810 Rep. Stark, Fortney Pete [D-CA-13] PETE STARK D CA 13 2005-11-04 False M000133 Rep. Markey, Edward J. [D-MA-7] Edward Markey D MA J. 7 2005-12-15 False T000266 Rep. Tierney, John F. [D-MA-6] JOHN TIERNEY D MA F. 6 2006-01-31 False N000179 Rep. Napolitano, Grace F. [D-CA-38] GRACE NAPOLITANO D CA F. 38 2006-01-31 False W000738 Rep. Woolsey, Lynn C. [D-CA-6] LYNN WOOLSEY D CA 6 2006-01-31 False E000215 Rep. Eshoo, Anna G. [D-CA-14] ANNA ESHOO D CA G. 14 2006-01-31 False A000210 Rep. Andrews, Robert E. [D-NJ-1] ROBERT ANDREWS D NJ E. 1 2006-01-31 False A000014 Rep. Abercrombie, Neil [D-HI-1] NEIL ABERCROMBIE D HI 1 2006-01-31 False K000180 Rep. Kilpatrick, Carolyn C. [D-MI-13] CAROLYN KILPATRICK D MI CHEEKS 13 2006-01-31 False A000357 Rep. Allen, Thomas H. [D-ME-1] THOMAS ALLEN D ME H. 1 2006-03-15 False W000794 Rep. Watson, Diane E. [D-CA-33] Diane Watson D CA E. 33 2006-03-15 False P000096 Rep. Pascrell, Bill, Jr. [D-NJ-8] WILLIAM PASCRELL D NJ J. 8 2006-05-23 False N000002 Rep. Nadler, Jerrold [D-NY-8] JERROLD NADLER D NY 8 2006-07-11 False Finance and Financial Sector Commerce Consumer credit Consumer education Consumer protection Credit cards Fees Interest rates Finance and Financial Sector 00 2005-07-27 Introduced in House 2005-09-30T21:39:19Z Consumer Credit Card Protection Act of 2005 - Amends the Truth in Lending Act to prohibit a creditor from using adverse information concerning a consumer as the basis for increasing any annual percentage rate of interest applicable to a credit card account of the consumer under an open end consumer credit plan, or to remove or increase any introductory annual percentage rate of interest applicable to such account, for reasons other than actions or omissions of the consumer that are directly related to such account (universal default).

Expands mandatory disclosures governing an open end consumer credit plan to include clear and conspicuous minimum payment terms with respect to the outstanding balance on the account, including prescribed details expressed in tabular format and in close proximity.

Requires a creditor to furnish advance notice as a prerequisite to increasing rates or imposing fees on a consumer credit card account.

]]> Consumer Credit Card Protection Act of 2005 Display Title Consumer Credit Card Protection Act of 2005 Official Title as Introduced To amend the Truth in Lending Act to protect consumers from unfair practices of credit card issuers, and for other purposes. Introduced in House IH Short Titles as Introduced Consumer Credit Card Protection Act of 2005 Introduced in House 2005-07-27T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-109hr3492ih/xml/BILLS-109hr3492ih.xml 2005-08-24 Referred to the Subcommittee on Financial Institutions and Consumer Credit. text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.