3.0.0 1461 2023-01-11T19:54:09Z 2023-01-11T19:54:09Z House H HR 2007-03-09 110 hsba00 Financial Services Committee House Standing Referred to 2007-03-09T14:04:20Z 2007-03-09 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2007-03-09 Sponsor introductory remarks on measure. (CR E501-502) IntroReferral B00100 9 Library of Congress 2007-03-09 Introduced in House IntroReferral Intro-H 9 Library of Congress 2007-03-09 Introduced in House IntroReferral 1000 9 Library of Congress U000038 Rep. Udall, Mark [D-CO-2] MARK UDALL D CO 2 N C001061 Rep. Cleaver, Emanuel [D-MO-5] Emanuel Cleaver D MO 5 2007-03-09 True F000116 Rep. Filner, Bob [D-CA-51] BOB FILNER D CA 51 2007-03-29 False J000284 Rep. Jones, Stephanie Tubbs [D-OH-11] STEPHANIE JONES D OH TUBBS 11 2007-03-29 False N000179 Rep. Napolitano, Grace F. [D-CA-38] GRACE NAPOLITANO D CA F. 38 2007-04-18 False G000535 Rep. Gutierrez, Luis V. [D-IL-4] LUIS GUTIERREZ D IL V. 4 2007-04-25 False C000191 Rep. Carson, Julia [D-IN-7] JULIA CARSON D IN 7 2007-04-25 False C001049 Rep. Clay, Wm. Lacy [D-MO-1] WM. CLAY D MO LACY 1 2007-04-25 False W000784 Rep. Wynn, Albert Russell [D-MD-4] ALBERT WYNN D MD R. 4 2007-05-01 False S001145 Rep. Schakowsky, Janice D. [D-IL-9] JANICE SCHAKOWSKY D IL D. 9 2007-05-01 False G000551 Rep. Grijalva, Raúl M. [D-AZ-7] Raúl Grijalva D AZ M. 7 2007-05-01 False F000043 Rep. Fattah, Chaka [D-PA-2] CHAKA FATTAH D PA 2 2007-05-01 False W000215 Rep. Waxman, Henry A. [D-CA-30] HENRY WAXMAN D CA A. 30 2007-05-01 False M001148 Rep. Meek, Kendrick B. [D-FL-17] Kendrick Meek D FL B. 17 2007-05-01 False E000288 Rep. Ellison, Keith [D-MN-5] Keith Ellison D MN 5 2007-05-02 False H001043 Rep. Hodes, Paul W. [D-NH-2] Paul Hodes D NH W. 2 2007-05-03 False C000380 Del. Christensen, Donna M. [D-VI-At Large] DONNA CHRISTENSEN D VI M. 0 2007-05-07 False S000248 Rep. Serrano, Jose E. [D-NY-16] JOSE SERRANO D NY E. 16 2007-05-07 False J000032 Rep. Jackson-Lee, Sheila [D-TX-18] SHEILA JACKSON-LEE D TX 18 2007-05-15 False R000577 Rep. Ryan, Tim [D-OH-17] TIM RYAN D OH 17 2007-05-17 False F000030 Rep. Farr, Sam [D-CA-17] SAM FARR D CA 17 2007-05-17 False C001067 Rep. Clarke, Yvette D. [D-NY-11] Yvette Clarke D NY D. 11 2007-05-22 False C000984 Rep. Cummings, Elijah E. [D-MD-7] ELIJAH CUMMINGS D MD E. 7 2007-05-24 False H001034 Rep. Honda, Michael M. [D-CA-15] MICHAEL HONDA D CA M. 15 2007-05-24 False M000725 Rep. Miller, George [D-CA-7] GEORGE MILLER D CA 7 2007-06-05 False L000562 Rep. Lynch, Stephen F. [D-MA-9] Stephen Lynch D MA F. 9 2007-06-05 False B001229 Rep. Baird, Brian [D-WA-3] BRIAN BAIRD D WA 3 2007-06-05 False S000185 Rep. Scott, Robert C. "Bobby" [D-VA-3] Robert Scott D VA C. "Bobby" 3 2007-06-07 False D000096 Rep. Davis, Danny K. [D-IL-7] DANNY DAVIS D IL K. 7 2007-06-12 False H001042 Rep. Hirono, Mazie K. [D-HI-2] Mazie Hirono D HI K. 2 2007-06-12 False S001156 Rep. Sánchez, Linda T. [D-CA-39] Linda Sánchez D CA T. 39 2007-07-11 False L000397 Rep. Lofgren, Zoe [D-CA-16] ZOE LOFGREN D CA 16 2007-07-11 False W000793 Rep. Wu, David [D-OR-1] DAVID WU D OR 1 2007-07-23 False B000574 Rep. Blumenauer, Earl [D-OR-3] EARL BLUMENAUER D OR 3 2007-07-23 False W000207 Rep. Watt, Melvin L. [D-NC-12] MELVIN WATT D NC 12 2007-08-01 False P000149 Rep. Payne, Donald M. [D-NJ-10] DONALD PAYNE D NJ M. 10 2007-09-05 False C000714 Rep. Conyers, John, Jr. [D-MI-14] JOHN CONYERS D MI 14 2007-10-10 False J000288 Rep. Johnson, Henry C. "Hank," Jr. [D-GA-4] Henry Johnson D GA C. "Hank" 4 2007-12-04 False M000933 Rep. Moran, James P. [D-VA-8] JAMES MORAN D VA P. 8 2007-12-04 False S001169 Rep. Sestak, Joe [D-PA-7] Joe Sestak D PA 7 2007-12-11 False T000266 Rep. Tierney, John F. [D-MA-6] JOHN TIERNEY D MA F. 6 2008-03-14 False Finance and Financial Sector Commerce Consumer credit Consumer education Counseling Credit cards Education Families Fees Finance charges Government Operations and Politics Government paperwork Higher education Interest Interest rates Law Liability (Law) Nonprofit organizations Parent and child Personal budgets Social Welfare Students Youth Finance and Financial Sector 00 2007-03-09 Introduced in House 2007-04-06T18:50:18Z Credit Card Accountability Responsibility and Disclosure Act of 2007, or the Credit CARD Act of 2007 - Amends the Truth in Lending Act to require advance notice of any increase in the annual percentage rate (APR) of interest pertaining to a credit card account under an open end consumer credit plan.

Imposes a freeze on interest rate terms and fees on canceled cards.

Prohibits: (1) penalties for on-time payments; (2) fees for non-use of credit card; (3) over-the-limit fees for creditor-approved transactions; and (4) use by a credit card issuer of adverse information unrelated to a cardholder's account with that issuer in order to increase the APR under an open-end consumer credit plan.

Requires disclosure of: (1) repayment information applicable to the outstanding balance; and (2) late payment deadlines, postmark dates, and any increase in interest rates for late payments.

Increases the civil penalty against any creditor who fails to comply with specified requirements in the case of an individual action relating to an open end credit plan that is not secured by real property or a dwelling.

Prohibits issuance of: (1) a credit card under an open end credit plan on behalf of a consumer who has not attained the age of 18, unless the consumer has submitted a written application meeting specified requirements; or (2) certain affinity cards to students unless certain requirements have been met.

]]> Credit Card Accountability Responsibility and Disclosure Act of 2007 Official Title as Introduced To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. Introduced in House IH Display Title Credit Card Accountability Responsibility and Disclosure Act of 2007 Short Titles as Introduced Credit Card Accountability Responsibility and Disclosure Act of 2007 Short Titles as Introduced Credit CARD Act of 2007 Introduced in House 2007-03-09T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-110hr1461ih/xml/BILLS-110hr1461ih.xml 2007-03-09 Referred to the House Committee on Financial Services. 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.