H.R. 3639 - Expedited CARD Reform for Consumers Act of 2009
- Sponsor:
- Carolyn Maloney
- Summary:
- This bill proposes to expedite the effective date of the Credit Card Accountability Responsibility and Disclosure Act of 2009 to December 1, 2009. (by CRS)
- Status:
- The bill was voted on in the House on November 4, 2009
- Amendments:
- 5 proposed amendments. 5 accepted. View amendments
PASSED on November 4, 2009.
1/2 required to pass
voted YES: 331
voted NO: 92
9 voted present/not voting
Expedited CARD Reform for Consumers Act of 2009
H.R. 3639 — 111th Congress (2009–2010)
- Summary
- This bill proposes to expedite the effective date of the Credit Card Accountability Responsibility and Disclosure Act of 2009 to December 1, 2009. (by CRS)
- Learn More
- At OpenCongress
- Title
- To amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 to establish an earlier effective date for various consumer protections, and for other purposes.
- Other Titles
- Expedited CARD Reform for Consumers Act of 2009
- Expedited CARD Reform for Consumers Act of 2009
- Expedited CARD Reform for Consumers Act of 2009
- Sponsor
- Carolyn Maloney
- Co-Sponsors
- Larry Kissell
- Edward Markey
- Jerrold Nadler
- Paul Kanjorski
- James McGovern
- John Tierney
- Betsy Markey
- Raul Grijalva
- Marcia Fudge
- Nita Lowey
- Judy Chu
- Keith Ellison
- Michael Capuano
- Dina Titus
- Gary Ackerman
- Zoe Lofgren
- Doris Matsui
- James Langevin
- Daniel Maffei
- Kendrick Meek
- Steven Rothman
- Barbara Lee
- Chellie Pingree
- Barney Frank
- John Hall
- Janice Schakowsky
- Mazie Hirono
- Mary Jo Kilroy
- Joe Baca
- Brad Sherman
- Betty Sutton
- Paul Hodes
- Elijah Cummings
- Sander Levin
- John Olver
- Henry Waxman
- George Miller
- Patrick Murphy
- Subjects
- Finance and financial sector
- Administrative law and regulatory procedures
- Consumer affairs
- Consumer credit
- Federal Reserve System
- Interest, dividends, interest rates
- User charges and fees
- Related Bills
- H.Res. 884 (111th) : Providing for Consideration of the Bill (H.R. 3639) to Amend the Credit Card Accountablity Responsibility and Disclosure Act of 2009 to Establish an Earlier Effective Date for Various Consumer Protections, and for Other Purposes.
- S. 1833 (111th) : Expedited CARD Reform for Consumers Act of 2009
- Major Actions
Introduced 9/24/2009 Referred to Committee Amendments (5 proposed) Passed House 11/04/2009 - Bill History
-
Chamber/Committee Motion Date Result select this vote House Amendment 1 to H.R. 3639 11/04/2009 This amendment PASSED the House 427 voted YES 0 voted NO 11 voted present/not votingselect this vote House Amendment 2 to H.R. 3639 11/04/2009 This amendment PASSED the House 427 voted YES 0 voted NO 11 voted present/not votingselect this vote House Amendment 3 to H.R. 3639 11/04/2009 This amendment PASSED the House 251 voted YES 174 voted NO 13 voted present/not votingselect this vote House Amendment 4 to H.R. 3639 11/04/2009 This amendment PASSED the House 353 voted YES 71 voted NO 14 voted present/not votingselect this vote House Amendment 5 to H.R. 3639 11/04/2009 This amendment PASSED the House 249 voted YES 173 voted NO 16 voted present/not votingselect this vote House On Motion to Recommit with Instructions: H.R. 3639 Expedited CARD Reform for Consumers Act of 2009 11/04/2009 This motion DID NOT PASS the House 171 voted YES 253 voted NO 8 voted present/not votingcurrently selected House On Passage - House - H.R. 3639 Expedited CARD Reform for Consumers Act of 2009 11/04/2009 This bill PASSED the House 331 voted YES 92 voted NO 9 voted present/not votingAction Date Description Introduced 9/24/2009 9/24/2009 Referred to the House Committee on Financial Services. 10/08/2009 Committee Hearings Held. 10/22/2009 Committee Consideration and Mark-up Session Held. Put on a legislative calendar 10/22/2009 Ordered to be Reported by Voice Vote. 10/26/2009 Reported (Amended) by the Committee on Financial Services. H. Rept. 111-314. Put on a legislative calendar 10/26/2009 Placed on the Union Calendar, Calendar No. 180. 11/03/2009 Rules Committee Resolution H. Res. 884 Reported to House. Rule provides for consideration of H.R. 3639 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. The rule waives all points of order against consideration of the bill except clauses 9 and 10 of rule XXI. The rule provides that the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill, modified by the amendment printed in part A of the report of the Committee on Rules, shall be considered as adopted and provides that the bill, as amended shall be considered as the original bill for the purpose of further amendment under the five-minute rule. 11/04/2009 Rule H. Res. 884 passed House. 11/04/2009 Considered under the provisions of rule H. Res. 884. 11/04/2009 Rule provides for consideration of H.R. 3639 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. The rule waives all points of order against consideration of the bill except clauses 9 and 10 of rule XXI. The rule provides that the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill, modified by the amendment printed in part A of the report of the Committee on Rules, shall be considered as adopted and provides that the bill, as amended shall be considered as the original bill for the purpose of further amendment under the five-minute rule. 11/04/2009 House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 884 and Rule XVIII. 11/04/2009 The Speaker designated the Honorable Ed Pastor to act as Chairman of the Committee. 11/04/2009 GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 3639. 11/04/2009 Amendment (A001) offered by Mr. Hensarling. 11/04/2009 DEBATE - Pursuant to the provisions of H.Res. 884, the Committee of the Whole proceeded with 10 minutes of debate on the Hensarling amendment. 11/04/2009 POSTPONED PROCEEDINGS - At the conclusion of debate on the Hensarling amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Mr. Frank (MA) demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. 11/04/2009 Amendment (A002) offered by Mrs. McCarthy (NY). 11/04/2009 DEBATE - Pursuant to the provisions of H.Res. 884, the Committee of the Whole proceeded with 10 minutes of debate on the McCarthy (NY) amendment. 11/04/2009 POSTPONED PROCEEDINGS - At the conclusion of debate on the McCarthy (NY) amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Mrs. McCarthy (NY) demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. 11/04/2009 Amendment (A003) offered by Mr. Maffei. 11/04/2009 DEBATE - Pursuant to the provisions of H.Res. 884, the Committee of the Whole proceeded with 10 minutes of debate on the Maffei amendment. 11/04/2009 POSTPONED PROCEEDINGS - At the conclusion of debate on the Maffei amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Mr. Maffei demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. 11/04/2009 Amendment (A004) offered by Ms. Sutton. 11/04/2009 DEBATE - Pursuant to the provisions of H.Res. 884, the Committee of the Whole proceeded with 10 minutes of debate on the Sutton amendment number 4. 11/04/2009 Amendment (A005) offered by Ms. Sutton. 11/04/2009 POSTPONED PROCEEDINGS - At the conclusion of debate on the Sutton amendment number 4, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Ms. Sutton demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. 11/04/2009 DEBATE - Pursuant to the provisions of H.Res. 884, the Committee of the Whole proceeded with 10 minutes of debate on the Sutton amendment number 5. 11/04/2009 POSTPONED PROCEEDINGS - At the conclusion of debate on the Sutton amendment number 5, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Ms. Sutton demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. select this vote Vote 11/04/2009 Amendment 1 to H.R. 3639 select this vote Vote 11/04/2009 Amendment 2 to H.R. 3639 select this vote Vote 11/04/2009 Amendment 3 to H.R. 3639 select this vote Vote 11/04/2009 Amendment 4 to H.R. 3639 11/04/2009 The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3639. select this vote Vote 11/04/2009 Amendment 5 to H.R. 3639 11/04/2009 The House adopted the amendment as agreed to by the Committee of the Whole House on the state of the Union. 11/04/2009 Mr. Castle moved to recommit with instructions to Financial Services. 11/04/2009 DEBATE - The House proceeded with 10 minutes of debate on the Castle motion to recommit with instructions. The instructions contained in the motion seek to require that the bill be reported back to the House with an amendment to require the Federal Reserve System to submit a report to Congress certifying whether or not the implementation of necessary regulations under those provisions affected by the amendments made by section 2 and section 3 of H.R. 3639 is feasible by December 1, 2009. The amendment also states that unless such certification reports that such implementation is feasible by December 1, 2009, section 2 and section 3 of H.R. 3639 shall have no force or effect. 11/04/2009 The previous question on the motion to recommit with instructions was ordered without objection. select this vote Vote 11/04/2009 On Motion to Recommit with Instructions: H.R. 3639 Expedited CARD Reform for Consumers Act of 2009 currently selected House Vote on Passage 11/04/2009 On Passage - House - H.R. 3639 Expedited CARD Reform for Consumers Act of 2009 11/05/2009 Received in the Senate. 12/23/2009 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Number Sponsor Date Offered Status select this vote H. Amdt. 494 Hensarling, Jeb [R-TX5] November 4, 2009 Passed by roll call vote on November 4, 2009. Amendment clarifies that changes to a credit card agreement which reduce a customer's interest rate or other fees can be implemented immediately, instead of being subject to the 45-day waiting period required under the CARD Act of 2009.
select this vote H. Amdt. 495 McCarthy, Carolyn [D-NY4] November 4, 2009 Passed by roll call vote on November 4, 2009. Amendment provides that any card issuer that imposes a moratorium on increases in rates, fees and terms and conditions of a contract would be exempt from the accelerated date for the provision requiring an issuer to apply a customer's payment in excess of the minimum amount due, to the highest rate balance.
select this vote H. Amdt. 496 Maffei, Daniel [D-NY25] November 4, 2009 Passed by roll call vote on November 4, 2009. Amendment sets the effective date of certain provisions of the CARD Act of 2009 to coincide with the enactment date of the bill.
select this vote H. Amdt. 497 Sutton, Betty [D-OH13] November 4, 2009 Passed by roll call vote on November 4, 2009. Amendment prevents the closure of a credit card account in response to the imposition of a new fee from negatively impacting a consumers' credit report or credit score.
select this vote H. Amdt. 498 Sutton, Betty [D-OH13] November 4, 2009 Passed by roll call vote on November 4, 2009. Amendment imposes a moratorium on increasing annual percentage rates, fees and finance charges, as well as a moratorium on changing the terms for repayment of outstanding balances on credit card accounts, for nine months after enactment of the bill.
Average contributions given to House members from interest groups that…
supported this bill
| Credit unions [About] |
| Small business associations [About] |
| Travel agents [About] |
| Consumer groups [About] |
opposed this bill
| Commercial banks & bank holding companies [About] |
Contributions data source: OpenSecrets.org
