H.R. 627 - Credit Cardholders' Bill of Rights Act of 2009

Credit Cardholders' Bill of Rights Act of 2009

H.R. 627 — 111^th Congress (2009–2010)

Keywords

Credit, Consumers' Rights, Banking

Summary

To amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes. (by CRS) (by CRS)

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Title

To amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.

Other Titles

• Credit Cardholders' Bill of Rights Act of 2009
• Credit Cardholders' Bill of Rights Act of 2009
• Credit Cardholders' Bill of Rights Act of 2009
• Credit Card Accountability Responsibility and Disclosure Act of 2009
• Credit CARD Act of 2009
• Credit Card Accountability Responsibility and Disclosure Act of 2009
• Credit CARD Act of 2009

Sponsor

Carolyn Maloney

Co-Sponsors

• Larry Kissell
• Edward Markey
• Madeleine Bordallo
• Bob Filner
• Timothy Bishop
• R. Miller
• Sheila Jackson-Lee
• Jerrold Nadler
• Mark Schauer
• Paul Kanjorski
• Raymond Green
• Barton Gordon
• James McGovern
• John Tierney
• Betsy Markey
• Raul Grijalva
• Yvette Clarke
• Walter Jones
• William Delahunt
• Michael Arcuri
• Marcia Fudge
• Eliot Engel
• Nita Lowey
• Eleanor Norton
• Lincoln Davis
• Alcee Hastings
• Melvin Watt
• Kathy Castor
• Gary Peters
• Jackie Speier
• Keith Ellison
• Jesse Jackson
• Michael Capuano
• John Boccieri
• Dina Titus
• Adam Schiff
• Pedro Pierluisi
• Anna Eshoo
• Daniel Lipinski
• Harry Teague
• Gary Ackerman
• David Obey
• Jerry McNerney
• Timothy Walz
• Kathleen Dahlkemper
• Charles Gonzalez
• Bruce Braley
• Stephen Lynch
• David Wu
• Sanford Bishop
• Gabrielle Giffords
• Zoe Lofgren
• Peter Visclosky
• Doris Matsui
• Fortney Stark
• Nick Rahall
• André Carson
• Paul Tonko
• James Langevin
• Harry Mitchell
• David Loebsack
• Ben Chandler
• Joe Courtney
• Daniel Maffei
• Gerald Connolly
• Henry Johnson
• Neil Abercrombie
• Rosa DeLauro
• Donna Edwards
• John Yarmuth
• Jane Harman
• Gene Taylor
• Lynn Woolsey
• Barbara Lee
• Chellie Pingree
• Barney Frank
• John Hall
• Maxine Waters
• Anthony Weiner
• Al Green
• Steve Israel
• Maurice Hinchey
• Lloyd Doggett
• Janice Schakowsky
• José Serrano
• Peter Welch
• John Barrow
• Russ Carnahan
• Mazie Hirono
• Frank Kratovil
• Mary Jo Kilroy
• Jay Inslee
• Christopher Van Hollen
• Niki Tsongas
• Steve Cohen
• Joe Baca
• Albio Sires
• Danny Davis
• Brad Sherman
• Betty Sutton
• Bart Stupak
• Michael Honda
• Brian Higgins
• Robert Brady
• James Moran
• Susan Davis
• Elijah Cummings
• Earl Blumenauer
• Leonard Boswell
• Ben Luján
• Eric Massa
• John Lewis
• Carol Shea-Porter
• Glenn Nye
• Patrick Kennedy
• Sander Levin
• Howard Berman
• John Olver
• Luis Gutiérrez
• Henry Waxman
• John Larson
• Mike Quigley
• Rubén Hinojosa
• Peter DeFazio
• Emanuel Cleaver
• William Pascrell
• George Miller
• Patrick Murphy

Subjects

• Finance and financial sector
• Administrative law and regulatory procedures
• Banking and financial institutions regulation
• Consumer credit
• Federal Reserve System
• Government information and archives
• Interest, dividends, interest rates

Related Bills

• H.Res. 379 (111^th) : Providing for Further Consideration of the Bill (H.R. 627) to Amend the Truth in Lending Act to Establish Fair and Transparent Practices Relating to the Extension of Credit Under an Open End Consumer Credit Plan, and for Other Purposes.
• H.Res. 456 (111^th) : Providing for the Consideration of the Senate Amendment to the Bill (H.R. 627) to Amend the Truth in Lending Act to Establish Fair and Transparent Practices Relating to the Extension of Credit Under an Open End Consumer Credit Plan, and for Other Purposes.
• S. 235 (111^th) : Credit Cardholders' Bill of Rights Act of 2009
• S. 414 (111^th) : Credit Card Accountability Responsibility and Disclosure Act of 2009

Major Actions

Introduced	1/22/2009
Referred to Committee
Amendments (89 proposed)
Passed House	4/30/2009
Passed Senate	5/19/2009
Signed by President	5/22/2009

Bill History

• All Votes
• All Actions
• Amendments

	Chamber/Committee	Motion	Date	Result
select this vote	House	On agreeing to the Gutierrez amendment (A001) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Frank (MA) amendment (A002) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Gutierrez amendment (A004) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Pingree (ME) amendment (A005) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Polis (CO) amendment (A006) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Jones amendment (A007) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Hensarling amendment (A009) Failed by voice vote.	4/30/2009	DID NOT PASS by voice vote
select this vote	House	On agreeing to the Hensarling amendment (A010) Failed by voice vote.	4/30/2009	DID NOT PASS by voice vote
select this vote	House	On agreeing to the Minnick amendment (A011) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Price (NC) amendment (A012) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Gutierrez amendment (A013) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Perriello amendment (A014) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Schauer amendment (A015) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Teague amendment (A016) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	On agreeing to the Schock amendment (A017) Agreed to by voice vote.	4/30/2009	PASSED by voice vote
select this vote	House	Amendment 3 to H.R. 627	4/30/2009	This amendment PASSED the House 276 voted YES 154 voted NO 9 voted present/not voting
select this vote	House	Amendment 8 to H.R. 627	4/30/2009	This amendment PASSED the House 284 voted YES 149 voted NO 6 voted present/not voting
select this vote	House	On Motion to Recommit with Instructions: H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009	4/30/2009	This motion DID NOT PASS the House 164 voted YES 263 voted NO 6 voted present/not voting
currently selected	House	On Passage - House - H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009	4/30/2009	This bill PASSED the House 357 voted YES 70 voted NO 7 voted present/not voting
select this vote	Senate	Coburn Amdt. No. 1067	5/12/2009	This amendment PASSED the Senate 67 voted YES 29 voted NO 3 voted present/not voting
select this vote	Senate	Amendment SA 1084 agreed to in Senate by Unanimous Consent.	5/13/2009	PASSED by voice vote
select this vote	Senate	Amendment SA 1104 agreed to in Senate by Unanimous Consent.	5/13/2009	PASSED by voice vote
select this vote	Senate	Vitter Amdt. No. 1066	5/13/2009	This amendment DID NOT PASS the Senate 28 voted YES 65 voted NO 6 voted present/not voting
select this vote	Senate	Motion to Waive CBA Sanders Amdt. No. 1062	5/13/2009	This amendment DID NOT PASS the Senate 33 voted YES 60 voted NO 6 voted present/not voting
select this vote	Senate	Motion to Waive CBA Re: Gregg Amdt. No. 1085	5/13/2009	This amendment DID NOT PASS the Senate 59 voted YES 35 voted NO 5 voted present/not voting
select this vote	Senate	Amendment SA 1130 agreed to in Senate by Unanimous Consent.	5/19/2009	PASSED by voice vote
select this vote	Senate	Amendment SA 1058 agreed to in Senate by Unanimous Consent.	5/19/2009	PASSED by voice vote
select this vote	Senate	Motion to Invoke Cloture on the Dodd Amdt. No. 1058	5/19/2009	This amendment PASSED the Senate 92 voted YES 2 voted NO 5 voted present/not voting
select this vote	Senate	On Passage - Senate - H.R. 627 As Amended	5/19/2009	This bill PASSED the Senate 90 voted YES 5 voted NO 4 voted present/not voting
select this vote	House	Concur In All But Sec. 512 of Sen Amdt.: H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009	5/20/2009	This motion PASSED the House 361 voted YES 64 voted NO 8 voted present/not voting
select this vote	House	Concur In Sec. 512 of Sen Amdt.: H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009	5/20/2009	This motion PASSED the House 279 voted YES 147 voted NO 7 voted present/not voting

	Action	Date	Description
	Introduced	1/22/2009
		1/22/2009	Sponsor introductory remarks on measure. (CR E122)
		1/22/2009	Referred to the House Committee on Financial Services.
		3/19/2009	Referred to the Subcommittee on Financial Institutions and Consumer Credit.
		3/19/2009	Subcommittee Hearings Held.
		4/01/2009	Subcommittee Consideration and Mark-up Session Held.
		4/02/2009	Subcommittee Consideration and Mark-up Session Held.
		4/02/2009	Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote .
		4/22/2009	Committee Consideration and Mark-up Session Held.
	Put on a legislative calendar	4/22/2009	Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 19.
		4/28/2009	Reported (Amended) by the Committee on Financial Services. H. Rept. 111-88.
	Put on a legislative calendar	4/28/2009	Placed on the Union Calendar, Calendar No. 41.
		4/29/2009	Consideration initiated pursuant to a previous order.
		4/29/2009	Considered pursuant to a previous order.
		4/29/2009	The House resolved into Committee of the Whole on the state of the Union pursuant to special order.
		4/29/2009	The Speaker designated the Honorable Henry Cuellar to act as Chairman of the Committee.
		4/29/2009	GENERAL DEBATE - Pursuant to a previous special order, the Committee of the Whole proceeded with one hour of general debate on H.R. 627.
		4/29/2009	Committee of the Whole House on the state of the Union rises leaving H.R. 627 as unfinished business.
		4/29/2009	Rules Committee Resolution H. Res. 379 Reported to House. Rule provides for consideration of H.R. 627. 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. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill. All points of order against the committee amendment in the nature of a substitute are waived except those arising under clause 10 of rule XXI.
	Put on a legislative calendar	4/30/2009	Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 55.
		4/30/2009	Rule H. Res. 379 passed House.
		4/30/2009	Considered as unfinished business.
		4/30/2009	The House resolved into Committee of the Whole House on the state of the Union for further consideration.
		4/30/2009	FURTHER CONSIDERATION OF H.R. 627 - Pursuant to the provisions of H.Res. 379, the Committee of the Whole resumed consideration of H.R. 627 and the amendments made in order thereto by the rule.
		4/30/2009	Amendment (A001) offered by Mr. Gutierrez.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 20 minutes of debate on the Gutierrez amendment number 1.
select this vote	Vote	4/30/2009	On agreeing to the Gutierrez amendment (A001) Agreed to by voice vote.
		4/30/2009	Amendment (A002) offered by Mr. Frank (MA).
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Frank amendment.
select this vote	Vote	4/30/2009	On agreeing to the Frank (MA) amendment (A002) Agreed to by voice vote.
		4/30/2009	Amendment (A003) offered by Ms. Slaughter.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Slaughter amendment.
		4/30/2009	POSTPONED PROCEEDINGS - At the conclusion of debate on the Slaughter amendment, the Chair put the question on adoption of the amendment and by voice vote, announced the ayes had prevailed. Mr. Neugebauer demanded a recorded vote and the Chair postponed further proceedings until later in the legislative day.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Gutierrez amendment number 4.
		4/30/2009	Amendment (A004) offered by Mr. Gutierrez.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Pingree(ME) amendment.
select this vote	Vote	4/30/2009	On agreeing to the Gutierrez amendment (A004) Agreed to by voice vote.
		4/30/2009	Amendment (A005) offered by Ms. Pingree (ME).
select this vote	Vote	4/30/2009	On agreeing to the Pingree (ME) amendment (A005) Agreed to by voice vote.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Polis amendment.
		4/30/2009	Amendment (A006) offered by Mr. Polis (CO).
select this vote	Vote	4/30/2009	On agreeing to the Polis (CO) amendment (A006) Agreed to by voice vote.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Jones amendment.
		4/30/2009	Amendment (A007) offered by Mr. Jones.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Maloney amendment.
select this vote	Vote	4/30/2009	On agreeing to the Jones amendment (A007) Agreed to by voice vote.
		4/30/2009	Amendment (A008) offered by Mrs. Maloney.
		4/30/2009	POSTPONED PROCEEDINGS - At the conclusion of debate on the Maloney amendment, the Chair put the question on adoption of the amendment and by voice vote, announced the ayes had prevailed. Mr. Neugebauer demanded a recorded vote and the Chair postponed further proceedings until later in the legislative day.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Hensarling amendment number 9.
		4/30/2009	Amendment (A009) offered by Mr. Hensarling.
select this vote	Vote	4/30/2009	On agreeing to the Hensarling amendment (A009) Failed by voice vote.
		4/30/2009	Amendment (A010) offered by Mr. Hensarling.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Hensarling amendment number 10.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Minnick amendment.
select this vote	Vote	4/30/2009	On agreeing to the Hensarling amendment (A010) Failed by voice vote.
		4/30/2009	Amendment (A011) offered by Mr. Minnick.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Price(NC) amendment.
select this vote	Vote	4/30/2009	On agreeing to the Minnick amendment (A011) Agreed to by voice vote.
		4/30/2009	Amendment (A012) offered by Mr. Price (NC).
select this vote	Vote	4/30/2009	On agreeing to the Price (NC) amendment (A012) Agreed to by voice vote.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Gutierrez amendment number 13.
		4/30/2009	Amendment (A013) offered by Mr. Gutierrez.
select this vote	Vote	4/30/2009	On agreeing to the Gutierrez amendment (A013) Agreed to by voice vote.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Perriello amendment.
		4/30/2009	Amendment (A014) offered by Mr. Perriello.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee on the Whole proceeded with 10 minutes of debate on the Schauer amendment.
select this vote	Vote	4/30/2009	On agreeing to the Perriello amendment (A014) Agreed to by voice vote.
		4/30/2009	Amendment (A015) offered by Mr. Schauer.
select this vote	Vote	4/30/2009	On agreeing to the Schauer amendment (A015) Agreed to by voice vote.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Teague amendment.
		4/30/2009	Amendment (A016) offered by Mr. Teague.
		4/30/2009	DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Schock amendment.
select this vote	Vote	4/30/2009	On agreeing to the Teague amendment (A016) Agreed to by voice vote.
		4/30/2009	Amendment (A017) offered by Mr. Schock.
select this vote	Vote	4/30/2009	On agreeing to the Schock amendment (A017) Agreed to by voice vote.
select this vote	Vote	4/30/2009	Amendment 3 to H.R. 627
		4/30/2009	The House rose from the Committee of the Whole House on the state of the Union to report H.R. 627.
select this vote	Vote	4/30/2009	Amendment 8 to H.R. 627
		4/30/2009	The previous question was ordered pursuant to the rule.
		4/30/2009	The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union.
		4/30/2009	Mr. Roskam moved to recommit with instructions to Financial Services.
		4/30/2009	Floor summary: DEBATE - The House proceeded with 10 minutes of debate on the Roskam motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment to add a section entitled Trigger for Enactment.
		4/30/2009	The previous question on the motion to recommit with instructions was ordered without objection.
select this vote	Vote	4/30/2009	On Motion to Recommit with Instructions: H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009
currently selected	House Vote on Passage	4/30/2009	On Passage - House - H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009
		4/30/2009	The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 627.
		5/06/2009	Motion to proceed to consideration of measure made in Senate.
		5/06/2009	Cloture motion on the motion to proceed to the measure presented in Senate.
		5/06/2009	Motion to proceed to consideration of measure withdrawn in Senate.
		5/07/2009	Cloture motion on the motion to proceed to the measure withdrawn by unanimous consent in Senate.
		5/11/2009	Measure laid before Senate by unanimous consent.
		5/11/2009	Amendment SA 1058 proposed by Senator Dodd.
		5/12/2009	Amendment SA 1085 proposed by Senator McConnell for Senator Gregg to Amendment SA 1058.
		5/12/2009	Amendment SA 1067 proposed by Senator Coburn to Amendment SA 1058.
		5/12/2009	Considered by Senate.
		5/12/2009	Amendment SA 1062 proposed by Senator Sanders to Amendment SA 1058.
		5/12/2009	Considered by Senate.
		5/12/2009	Amendment SA 1066 proposed by Senator Vitter to Amendment SA 1058.
		5/12/2009	Amendment SA 1068 proposed by Senator Coburn.
		5/12/2009	Proposed amendment SA 1068 withdrawn in Senate.
		5/12/2009	Amendment SA 1084 proposed by Senator Gillibrand to Amendment SA 1058.
select this vote	Vote	5/12/2009	Coburn Amdt. No. 1067
		5/13/2009	Considered by Senate.
select this vote	Vote	5/13/2009	Amendment SA 1084 agreed to in Senate by Unanimous Consent.
		5/13/2009	Amendment SA 1085 ruled out of order by the chair.
		5/13/2009	Amendment SA 1104 proposed by Senator Isakson to Amendment SA 1084.
select this vote	Vote	5/13/2009	Amendment SA 1104 agreed to in Senate by Unanimous Consent.
		5/13/2009	Amendment SA 1107 proposed by Senator Collins to Amendment SA 1058.
		5/13/2009	Considered by Senate.
		5/13/2009	Considered by Senate.
		5/13/2009	Point of order raised in Senate with respect to amendment SA 1062.
		5/13/2009	Considered by Senate.
		5/13/2009	Point of order raised in Senate with respect to amendment SA 1085.
		5/13/2009	Considered by Senate.
		5/13/2009	Cloture motion on the bill presented in Senate.
		5/13/2009	Cloture motion on amendment SA 1058 presented in Senate.
		5/13/2009	Amendment SA 1062 ruled out of order by the chair.
		5/13/2009	Considered by Senate.
		5/13/2009	Amendment SA 1079 proposed by Senator Landrieu to Amendment SA 1058.
select this vote	Vote	5/13/2009	Vitter Amdt. No. 1066
select this vote	Vote	5/13/2009	Motion to Waive CBA Sanders Amdt. No. 1062
select this vote	Vote	5/13/2009	Motion to Waive CBA Re: Gregg Amdt. No. 1085
		5/14/2009	Considered by Senate.
		5/14/2009	Amendment SA 1126 proposed by Senator Lincoln to Amendment SA 1107.
		5/14/2009	Considered by Senate.
		5/14/2009	Cloture motion on the bill withdrawn by unanimous consent in Senate.
		5/14/2009	Considered by Senate.
		5/14/2009	Considered by Senate.
		5/19/2009	Amendment SA 1107 ruled non-germane by the chair.
		5/19/2009	SA 1126 fell when SA 1107 was ruled non-germane.
		5/19/2009	Amendment SA 1130 proposed by Senator Dodd to Amendment SA 1058.
select this vote	Vote	5/19/2009	Amendment SA 1130 agreed to in Senate by Unanimous Consent.
		5/19/2009	Considered by Senate.
		5/19/2009	Considered by Senate.
		5/19/2009	Point of order raised in Senate with respect to amendment SA 1079.
		5/19/2009	Considered by Senate.
		5/19/2009	Point of order raised in Senate with respect to amendment SA 1107.
		5/19/2009	Considered by Senate.
		5/19/2009	Considered by Senate.
select this vote	Vote	5/19/2009	Amendment SA 1058 agreed to in Senate by Unanimous Consent.
		5/19/2009	Message on Senate action sent to the House.
		5/19/2009	Amendment SA 1079 ruled non-germane by the chair.
select this vote	Vote	5/19/2009	Motion to Invoke Cloture on the Dodd Amdt. No. 1058
select this vote	Senate Vote on Passage	5/19/2009	On Passage - Senate - H.R. 627 As Amended
	Presented to President	5/20/2009	Cleared for White House.
		5/20/2009	Mr. Frank (MA) moved that the House agree to the Senate amendment.
		5/20/2009	DEBATE - Puruant to the provisions of H. Res. 456, the House proceeded with one hour of debate on the motion to agree to the Senate amendment to H.R. 627. Pursuant to the provisions of H. Res. 456 and at the conclusion of debate on the motion, the Chair will put the question in divided portions.
		5/20/2009	The previous question was ordered pursuant to the rule.
select this vote	Vote	5/20/2009	Concur In All But Sec. 512 of Sen Amdt.: H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009
select this vote	Vote	5/20/2009	Concur In Sec. 512 of Sen Amdt.: H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009
		5/20/2009	Pursuant to the provisions of H. Res. 456, the House is considered to have agreed to the Senate amendment.
	Presented to President	5/21/2009	Presented to President.
	Signed	5/22/2009	Signed by President.
	Enacted	5/22/2009	Became Public Law No: 111-24.

	Number	Sponsor	Date Offered	Status
select this vote	H. Amdt. 90	Gutiérrez, Luis [D-IL4]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment allows issuers to charge consumers for expedited payments by telephone when consumers request such an expedited payment; makes technical corrections; requires that all credit card offers notify prospective applicants that excessive credit applications can adversely affect their credit rating; directs the Board of Governors of the Federal Reserve to suggest appropriate guidelines for creditors to supply cardholders with information regarding the availability of legitimate and accredited credit counseling services; requires all written information, provisions, and terms in or on any application, solicitation, contract, or agreement for any credit card account under an open end consumer credit to appear in no less than 12 point font; and requires that stores who are self-issuers of credit cards display a large visible sign at counters with the same information that is required to be disclosed on the application itself. Show amendment details
select this vote	H. Amdt. 91	Frank, Barney [D-MA4]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment requires the Federal Reserve 1) to review the consumer credit card market, including through solicitation of public comment, and report to Congress every two years; 2) publish a summary of this review in the Federal Register, along with proposed regulatory changes (or an explanation for why no such changes are proposed). The amendment also requires the Federal banking agencies and the FTC to submit to the Federal Reserve, for inclusion in the Federal Reserve's annual report to Congress, information about the agencies' supervisory and enforcement activities related to credit card issuers' compliance with consumer protection laws. Show amendment details
select this vote	H. Amdt. 92	Slaughter, Louise [D-NY28]	April 30, 2009	Passed by roll call vote on April 30, 2009.
	Amendment sets underwriting standards for student credit cards, including limiting credit lines to the greater of 20 percent of a students' annual income or $500 without a co-signer and requiring creditors to obtain a proof of income, income history, and credit history from college students before approving credit applications. Show amendment details
select this vote	H. Amdt. 93	Gutiérrez, Luis [D-IL4]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment requires credit card issuers to allocate payments in excess of the minimum payment to the portion of the remaining balance with the highest outstanding APR first, and then to any remaining balances in descending order, eliminating the pro rata option. Show amendment details
select this vote	H. Amdt. 94	Pingree, Chellie [D-ME1]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment requires the Chair of the Federal Reserve to submit a report on the level of implementation of this bill every 90 days until the Chair can report full industry implementation. Show amendment details
select this vote	H. Amdt. 95	Polis, Jared [D-CO2]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment clarifies that minors are allowed to have a credit card in their name on their parent or legal guardian's account. Show amendment details
select this vote	H. Amdt. 96	Jones, Walter [R-NC3]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment requires the Federal Reserve Board, in consultation with the Federal Trade Commission and other agencies, to establish regulations that would allow estate administrators to resolve outstanding credit balances in a timely manner. Show amendment details
select this vote	H. Amdt. 97	Maloney, Carolyn [D-NY14]	April 30, 2009	Passed by roll call vote on April 30, 2009.
	Amendment requires credit cardholders to opt in to receive over-the-limit protection on their credit card in order for a credit card company to charge an over-the-limit fee. The amendment also allows for transactions that go over the limit to be completed for operational reasons as long as they are of a small amount. Lastly, the credit card company is not allowed to charge a fee. Show amendment details
select this vote	H. Amdt. 98	Hensarling, Jeb [R-TX5]	April 30, 2009	Failed by voice vote on April 30, 2009.
	Amendment sought to allow issuers to raise rates on existing balances if they provided consumers clear notification 90 days in advance, provided that the issuer had previously specified this ability to consumers in their contract and at least once every year thereafter. Show amendment details
select this vote	H. Amdt. 99	Hensarling, Jeb [R-TX5]	April 30, 2009	Failed by voice vote on April 30, 2009.
	Amendment sought to allow creditors to use retroactive rate increases, universal default, and "double cycle billing" practices as long as they offer at least one card option that does not have those billing features to all of their existing customers. Show amendment details
select this vote	H. Amdt. 100	Minnick, Walter [D-ID1]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment provides that the amount of a balance following a notice of a rate increase would be protected from the rate of increase as of the 7-day mark instead of the 14-day mark. Show amendment details
select this vote	H. Amdt. 101	Price, David [D-NC4]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment requires credit card issuers to provide enhanced disclosure to consumers regarding minimum payments, including a written Minimum Payment Warning statement on all monthly statements as well as information regarding the monthly payment amount and total cost that would be required for the consumer to eliminate the outstanding balance in 12, 24 and 36 months; and requires credit card issuers to provide a toll-free telephone number at which the consumer may receive information about accessing credit counseling and debt management services. Show amendment details
select this vote	H. Amdt. 102	Gutiérrez, Luis [D-IL4]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment requires card issuers to notify cardholders 30 days in advance before closing their accounts; provide the reason for the account closure; provide options for keeping the account open; make programs available to repay the balance; and provide the resulting impact on cardholders credit scores. Show amendment details
select this vote	H. Amdt. 103	Perriello, Thomas [D-VA5]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment requires a 6-month period for a promotional rate for credit cards before the standard rate may be increased. Show amendment details
select this vote	H. Amdt. 104	Schauer, Mark [D-MI7]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment requires creditors to post their credit card written agreements on their websites and requires the Federal Reserve Board to compile and report those agreements on its website. Show amendment details
select this vote	H. Amdt. 105	Teague, Harry [D-NM2]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment restricts credit card issuers from making adverse reports to credit rating agencies regarding deployed military service members and disabled veterans during the first two years of their disability. Show amendment details
select this vote	H. Amdt. 106	Schock, Aaron [R-IL18]	April 30, 2009	Passed by voice vote on April 30, 2009.
	Amendment allows consumers who have not activated an issued credit card within 45 days, to contact the issuing institution to cancel the card and have it removed from their credit report entirely. If, after 45 days, the card has not been activated, it will be automatically removed from any such report. Show amendment details
select this vote	S. Amdt. 1058	Dodd, Christopher [D-CT]	May 11, 2009	Passed by roll call vote on May 18, 2009.
	In the nature of a substitute. Show amendment details
	S. Amdt. 1059	Whitehouse, Sheldon [D-RI]	May 11, 2009	Offered on May 10, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1060	Whitehouse, Sheldon [D-RI]	May 11, 2009	Offered on May 10, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1061	Coburn, Thomas [R-OK]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
select this vote	S. Amdt. 1062	Sanders, Bernard [I-VT]	May 12, 2009	Offered on May 11, 2009.
	To establish a national consumer credit usury rate. Show amendment details
	S. Amdt. 1063	Wyden, Ron [D-OR]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1064	Udall, Mark [D-CO]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1065	Casey, Robert [D-PA]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
select this vote	S. Amdt. 1066	Vitter, David [R-LA]	May 12, 2009	Failed by roll call vote on May 12, 2009.
	To specify acceptable forms of identification for the opening of credit card accounts. Show amendment details
select this vote	S. Amdt. 1067	Coburn, Thomas [R-OK]	May 12, 2009	Offered on May 11, 2009.
	To protect innocent Americans from violent crime in national parks and refuges. Show amendment details
	S. Amdt. 1068	Coburn, Thomas [R-OK]	May 12, 2009	Withdrawn on May 11, 2009.
	To protect innocent Americans from violent crime in national parks and refuges. Show amendment details
	S. Amdt. 1069	Kerry, John [D-MA]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1070	Feinstein, Dianne [D-CA]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1071	Feinstein, Dianne [D-CA]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1072	Johanns, Mike [R-NE]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1073	Menéndez, Robert [D-NJ]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1074	Menéndez, Robert [D-NJ]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1075	Menéndez, Robert [D-NJ]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1076	Menéndez, Robert [D-NJ]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1077	Menéndez, Robert [D-NJ]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1078	Menéndez, Robert [D-NJ]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1079	Landrieu, Mary [D-LA]	May 12, 2009	Offered on May 11, 2009.
	To end abuse, promote disclosure, and provide protections to small businesses that rely on credit cards. Show amendment details
	S. Amdt. 1080	Feinstein, Dianne [D-CA]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1081	Kohl, Herbert [D-WI]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1082	Kohl, Herbert [D-WI]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1083	Snowe, Olympia [R-ME]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
select this vote	S. Amdt. 1084	Gillibrand, Kirsten [D-NY]	May 12, 2009	Passed by voice vote on May 12, 2009.
	To amend the Fair Credit Reporting Act to require reporting agencies to provide free credit reports in the native language of certain non-English speaking consumers. Show amendment details
select this vote	S. Amdt. 1085	Gregg, Judd [R-NH]	May 12, 2009	Offered on May 11, 2009.
	To enhance public knowledge regarding the national debt by requiring the publication of the facts about the national debt on IRS instructions, Federal websites, and in new legislation. Show amendment details
	S. Amdt. 1086	Bunning, Jim [R-KY]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1087	Menéndez, Robert [D-NJ]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1088	Menéndez, Robert [D-NJ]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1089	Durbin, Richard [D-IL]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1090	Durbin, Richard [D-IL]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1091	Cardin, Benjamin [D-MD]	May 12, 2009	Offered on May 11, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1092	Levin, Carl [D-MI]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1093	Levin, Carl [D-MI]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1094	Levin, Carl [D-MI]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1095	Levin, Carl [D-MI]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1096	Levin, Carl [D-MI]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1097	Levin, Carl [D-MI]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1098	Udall, Tom [D-NM]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1099	Feinstein, Dianne [D-CA]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1100	Durbin, Richard [D-IL]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1101	Burr, Richard [R-NC]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1102	Menéndez, Robert [D-NJ]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1103	Udall, Mark [D-CO]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
select this vote	S. Amdt. 1104	Isakson, John [R-GA]	May 13, 2009	Passed by voice vote on May 12, 2009.
	To require the Comptroller General to conduct a study on the relationship between fluency in the English language and financial literacy. Show amendment details
	S. Amdt. 1105	Sanders, Bernard [I-VT]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1106	Murray, Patty [D-WA]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1107	Collins, Susan [R-ME]	May 13, 2009	Offered on May 12, 2009.
	To address stored value devices and cards. Show amendment details
	S. Amdt. 1108	Boxer, Barbara [D-CA]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1109	Ensign, John [R-NV]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1110	Akaka, Daniel [D-HI]	May 13, 2009	Offered on May 12, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1111	Vitter, David [R-LA]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1112	Vitter, David [R-LA]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1113	Thune, John [R-SD]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1114	Martinez, Mel [R-FL]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1115	Menéndez, Robert [D-NJ]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1116	Menéndez, Robert [D-NJ]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1117	Levin, Carl [D-MI]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1118	Levin, Carl [D-MI]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1119	Levin, Carl [D-MI]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1120	Boxer, Barbara [D-CA]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1121	Durbin, Richard [D-IL]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1122	Crapo, Michael [R-ID]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1123	Burr, Richard [R-NC]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1124	Lincoln, Blanche [D-AR]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1125	Dorgan, Byron [D-ND]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1126	Lincoln, Blanche [D-AR]	May 14, 2009	Offered on May 13, 2009.
	To amend the Federal Deposit Insurance Act with respect to the extension of certain limitations. Show amendment details
	S. Amdt. 1127	Snowe, Olympia [R-ME]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
	S. Amdt. 1129	Murray, Patty [D-WA]	May 14, 2009	Offered on May 13, 2009.
	Amendment information not available. Show amendment details
select this vote	S. Amdt. 1130	Dodd, Christopher [D-CT]	May 19, 2009	Passed by voice vote on May 18, 2009.
	Of a perfecting nature. Show amendment details