S. Amdt. 1104 - To Require the Comptroller General to Conduct a Study on the Relationship Between Fluency in the English Language and Financial Literacy.

111th Congress (2009-2010) View amendment details
Sponsor:
This is an amendment to H.R. 627 - Credit Card Accountability Responsibility and Disclosure Act of 2009
Senate Vote: Amendment SA 1104 agreed to in Senate by Unanimous Consent.

PASSED by voice vote on May 13, 2009.

Other Votes:

Credit Cardholders' Bill of Rights Act of 2009

H.R. 627 — 111th 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)
Learn More
At OpenCongress
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
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
Major Actions
Introduced1/22/2009
Referred to Committee
Amendments (89 proposed)
Passed House4/30/2009
Passed Senate5/19/2009
Signed by President5/22/2009
Bill History
Chamber/CommitteeMotionDateResult
select this voteHouseOn agreeing to the Gutierrez amendment (A001) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Frank (MA) amendment (A002) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Gutierrez amendment (A004) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Pingree (ME) amendment (A005) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Polis (CO) amendment (A006) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Jones amendment (A007) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Hensarling amendment (A009) Failed by voice vote.4/30/2009DID NOT PASS by voice vote
select this voteHouseOn agreeing to the Hensarling amendment (A010) Failed by voice vote.4/30/2009DID NOT PASS by voice vote
select this voteHouseOn agreeing to the Minnick amendment (A011) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Price (NC) amendment (A012) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Gutierrez amendment (A013) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Perriello amendment (A014) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Schauer amendment (A015) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Teague amendment (A016) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseOn agreeing to the Schock amendment (A017) Agreed to by voice vote.4/30/2009PASSED by voice vote
select this voteHouseAmendment 3 to H.R. 6274/30/2009This amendment PASSED the House
276 voted YES 154 voted NO 9 voted present/not voting
select this voteHouseAmendment 8 to H.R. 6274/30/2009This amendment PASSED the House
284 voted YES 149 voted NO 6 voted present/not voting
select this voteHouseOn Motion to Recommit with Instructions: H.R. 627 Credit Cardholders’ Bill of Rights Act of 20094/30/2009This motion DID NOT PASS the House
164 voted YES 263 voted NO 6 voted present/not voting
select this voteHouseOn Passage - House - H.R. 627 Credit Cardholders’ Bill of Rights Act of 20094/30/2009This bill PASSED the House
357 voted YES 70 voted NO 7 voted present/not voting
select this voteSenateCoburn Amdt. No. 10675/12/2009This amendment PASSED the Senate
67 voted YES 29 voted NO 3 voted present/not voting
select this voteSenateAmendment SA 1084 agreed to in Senate by Unanimous Consent.5/13/2009PASSED by voice vote
currently selectedSenateAmendment SA 1104 agreed to in Senate by Unanimous Consent.5/13/2009PASSED by voice vote
select this voteSenateVitter Amdt. No. 10665/13/2009This amendment DID NOT PASS the Senate
28 voted YES 65 voted NO 6 voted present/not voting
select this voteSenateMotion to Waive CBA Sanders Amdt. No. 10625/13/2009This amendment DID NOT PASS the Senate
33 voted YES 60 voted NO 6 voted present/not voting
select this voteSenateMotion to Waive CBA Re: Gregg Amdt. No. 10855/13/2009This amendment DID NOT PASS the Senate
59 voted YES 35 voted NO 5 voted present/not voting
select this voteSenateAmendment SA 1130 agreed to in Senate by Unanimous Consent.5/19/2009PASSED by voice vote
select this voteSenateAmendment SA 1058 agreed to in Senate by Unanimous Consent.5/19/2009PASSED by voice vote
select this voteSenateMotion to Invoke Cloture on the Dodd Amdt. No. 10585/19/2009This amendment PASSED the Senate
92 voted YES 2 voted NO 5 voted present/not voting
select this voteSenateOn Passage - Senate - H.R. 627 As Amended5/19/2009This bill PASSED the Senate
90 voted YES 5 voted NO 4 voted present/not voting
select this voteHouseConcur In All But Sec. 512 of Sen Amdt.: H.R. 627 Credit Cardholders’ Bill of Rights Act of 20095/20/2009This motion PASSED the House
361 voted YES 64 voted NO 8 voted present/not voting
select this voteHouseConcur In Sec. 512 of Sen Amdt.: H.R. 627 Credit Cardholders’ Bill of Rights Act of 20095/20/2009This motion PASSED the House
279 voted YES 147 voted NO 7 voted present/not voting
ActionDateDescription
Introduced1/22/2009
1/22/2009Sponsor introductory remarks on measure. (CR E122)
1/22/2009Referred to the House Committee on Financial Services.
3/19/2009Referred to the Subcommittee on Financial Institutions and Consumer Credit.
3/19/2009Subcommittee Hearings Held.
4/01/2009Subcommittee Consideration and Mark-up Session Held.
4/02/2009Subcommittee Consideration and Mark-up Session Held.
4/02/2009Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote .
4/22/2009Committee Consideration and Mark-up Session Held.
Put on a legislative calendar4/22/2009Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 19.
4/28/2009Reported (Amended) by the Committee on Financial Services. H. Rept. 111-88.
Put on a legislative calendar4/28/2009Placed on the Union Calendar, Calendar No. 41.
4/29/2009Consideration initiated pursuant to a previous order.
4/29/2009Considered pursuant to a previous order.
4/29/2009The House resolved into Committee of the Whole on the state of the Union pursuant to special order.
4/29/2009The Speaker designated the Honorable Henry Cuellar to act as Chairman of the Committee.
4/29/2009GENERAL DEBATE - Pursuant to a previous special order, the Committee of the Whole proceeded with one hour of general debate on H.R. 627.
4/29/2009Committee of the Whole House on the state of the Union rises leaving H.R. 627 as unfinished business.
4/29/2009Rules 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 calendar4/30/2009Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 55.
4/30/2009Rule H. Res. 379 passed House.
4/30/2009Considered as unfinished business.
4/30/2009The House resolved into Committee of the Whole House on the state of the Union for further consideration.
4/30/2009FURTHER 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.
4/30/2009Amendment (A001) offered by Mr. Gutierrez.
4/30/2009DEBATE - 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 voteVote4/30/2009On agreeing to the Gutierrez amendment (A001) Agreed to by voice vote.
4/30/2009Amendment (A002) offered by Mr. Frank (MA).
4/30/2009DEBATE - 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 voteVote4/30/2009On agreeing to the Frank (MA) amendment (A002) Agreed to by voice vote.
4/30/2009Amendment (A003) offered by Ms. Slaughter.
4/30/2009DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Slaughter amendment.
4/30/2009POSTPONED 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.
4/30/2009DEBATE - 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.
4/30/2009Amendment (A004) offered by Mr. Gutierrez.
4/30/2009DEBATE - 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 voteVote4/30/2009On agreeing to the Gutierrez amendment (A004) Agreed to by voice vote.
4/30/2009Amendment (A005) offered by Ms. Pingree (ME).
select this voteVote4/30/2009On agreeing to the Pingree (ME) amendment (A005) Agreed to by voice vote.
4/30/2009DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Polis amendment.
4/30/2009Amendment (A006) offered by Mr. Polis (CO).
select this voteVote4/30/2009On agreeing to the Polis (CO) amendment (A006) Agreed to by voice vote.
4/30/2009DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Jones amendment.
4/30/2009Amendment (A007) offered by Mr. Jones.
4/30/2009DEBATE - 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 voteVote4/30/2009On agreeing to the Jones amendment (A007) Agreed to by voice vote.
4/30/2009Amendment (A008) offered by Mrs. Maloney.
4/30/2009POSTPONED 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.
4/30/2009DEBATE - 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.
4/30/2009Amendment (A009) offered by Mr. Hensarling.
select this voteVote4/30/2009On agreeing to the Hensarling amendment (A009) Failed by voice vote.
4/30/2009Amendment (A010) offered by Mr. Hensarling.
4/30/2009DEBATE - 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.
4/30/2009DEBATE - 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 voteVote4/30/2009On agreeing to the Hensarling amendment (A010) Failed by voice vote.
4/30/2009Amendment (A011) offered by Mr. Minnick.
4/30/2009DEBATE - 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 voteVote4/30/2009On agreeing to the Minnick amendment (A011) Agreed to by voice vote.
4/30/2009Amendment (A012) offered by Mr. Price (NC).
select this voteVote4/30/2009On agreeing to the Price (NC) amendment (A012) Agreed to by voice vote.
4/30/2009DEBATE - 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.
4/30/2009Amendment (A013) offered by Mr. Gutierrez.
select this voteVote4/30/2009On agreeing to the Gutierrez amendment (A013) Agreed to by voice vote.
4/30/2009DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Perriello amendment.
4/30/2009Amendment (A014) offered by Mr. Perriello.
4/30/2009DEBATE - 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 voteVote4/30/2009On agreeing to the Perriello amendment (A014) Agreed to by voice vote.
4/30/2009Amendment (A015) offered by Mr. Schauer.
select this voteVote4/30/2009On agreeing to the Schauer amendment (A015) Agreed to by voice vote.
4/30/2009DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Teague amendment.
4/30/2009Amendment (A016) offered by Mr. Teague.
4/30/2009DEBATE - 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 voteVote4/30/2009On agreeing to the Teague amendment (A016) Agreed to by voice vote.
4/30/2009Amendment (A017) offered by Mr. Schock.
select this voteVote4/30/2009On agreeing to the Schock amendment (A017) Agreed to by voice vote.
select this voteVote4/30/2009Amendment 3 to H.R. 627
4/30/2009The House rose from the Committee of the Whole House on the state of the Union to report H.R. 627.
select this voteVote4/30/2009Amendment 8 to H.R. 627
4/30/2009The previous question was ordered pursuant to the rule.
4/30/2009The 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.
4/30/2009Mr. Roskam moved to recommit with instructions to Financial Services.
4/30/2009Floor 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.
4/30/2009The previous question on the motion to recommit with instructions was ordered without objection.
select this voteVote4/30/2009On Motion to Recommit with Instructions: H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009
select this voteHouse Vote on Passage4/30/2009On Passage - House - H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009
4/30/2009The 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.
5/06/2009Motion to proceed to consideration of measure made in Senate.
5/06/2009Cloture motion on the motion to proceed to the measure presented in Senate.
5/06/2009Motion to proceed to consideration of measure withdrawn in Senate.
5/07/2009Cloture motion on the motion to proceed to the measure withdrawn by unanimous consent in Senate.
5/11/2009Measure laid before Senate by unanimous consent.
5/11/2009Amendment SA 1058 proposed by Senator Dodd.
5/12/2009Amendment SA 1085 proposed by Senator McConnell for Senator Gregg to Amendment SA 1058.
5/12/2009Amendment SA 1067 proposed by Senator Coburn to Amendment SA 1058.
5/12/2009Considered by Senate.
5/12/2009Amendment SA 1062 proposed by Senator Sanders to Amendment SA 1058.
5/12/2009Considered by Senate.
5/12/2009Amendment SA 1066 proposed by Senator Vitter to Amendment SA 1058.
5/12/2009Amendment SA 1068 proposed by Senator Coburn.
5/12/2009Proposed amendment SA 1068 withdrawn in Senate.
5/12/2009Amendment SA 1084 proposed by Senator Gillibrand to Amendment SA 1058.
select this voteVote5/12/2009Coburn Amdt. No. 1067
5/13/2009Considered by Senate.
select this voteVote5/13/2009Amendment SA 1084 agreed to in Senate by Unanimous Consent.
5/13/2009Amendment SA 1085 ruled out of order by the chair.
5/13/2009Amendment SA 1104 proposed by Senator Isakson to Amendment SA 1084.
currently selectedVote5/13/2009Amendment SA 1104 agreed to in Senate by Unanimous Consent.
5/13/2009Amendment SA 1107 proposed by Senator Collins to Amendment SA 1058.
5/13/2009Considered by Senate.
5/13/2009Considered by Senate.
5/13/2009Point of order raised in Senate with respect to amendment SA 1062.
5/13/2009Considered by Senate.
5/13/2009Point of order raised in Senate with respect to amendment SA 1085.
5/13/2009Considered by Senate.
5/13/2009Cloture motion on the bill presented in Senate.
5/13/2009Cloture motion on amendment SA 1058 presented in Senate.
5/13/2009Amendment SA 1062 ruled out of order by the chair.
5/13/2009Considered by Senate.
5/13/2009Amendment SA 1079 proposed by Senator Landrieu to Amendment SA 1058.
select this voteVote5/13/2009Vitter Amdt. No. 1066
select this voteVote5/13/2009Motion to Waive CBA Sanders Amdt. No. 1062
select this voteVote5/13/2009Motion to Waive CBA Re: Gregg Amdt. No. 1085
5/14/2009Considered by Senate.
5/14/2009Amendment SA 1126 proposed by Senator Lincoln to Amendment SA 1107.
5/14/2009Considered by Senate.
5/14/2009Cloture motion on the bill withdrawn by unanimous consent in Senate.
5/14/2009Considered by Senate.
5/14/2009Considered by Senate.
5/19/2009Amendment SA 1107 ruled non-germane by the chair.
5/19/2009SA 1126 fell when SA 1107 was ruled non-germane.
5/19/2009Amendment SA 1130 proposed by Senator Dodd to Amendment SA 1058.
select this voteVote5/19/2009Amendment SA 1130 agreed to in Senate by Unanimous Consent.
5/19/2009Considered by Senate.
5/19/2009Considered by Senate.
5/19/2009Point of order raised in Senate with respect to amendment SA 1079.
5/19/2009Considered by Senate.
5/19/2009Point of order raised in Senate with respect to amendment SA 1107.
5/19/2009Considered by Senate.
5/19/2009Considered by Senate.
select this voteVote5/19/2009Amendment SA 1058 agreed to in Senate by Unanimous Consent.
5/19/2009Message on Senate action sent to the House.
5/19/2009Amendment SA 1079 ruled non-germane by the chair.
select this voteVote5/19/2009Motion to Invoke Cloture on the Dodd Amdt. No. 1058
select this voteSenate Vote on Passage5/19/2009On Passage - Senate - H.R. 627 As Amended
Presented to President5/20/2009Cleared for White House.
5/20/2009Mr. Frank (MA) moved that the House agree to the Senate amendment.
5/20/2009DEBATE - 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.
5/20/2009The previous question was ordered pursuant to the rule.
select this voteVote5/20/2009Concur In All But Sec. 512 of Sen Amdt.: H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009
select this voteVote5/20/2009Concur In Sec. 512 of Sen Amdt.: H.R. 627 Credit Cardholders’ Bill of Rights Act of 2009
5/20/2009Pursuant to the provisions of H. Res. 456, the House is considered to have agreed to the Senate amendment.
Presented to President5/21/2009Presented to President.
Signed5/22/2009Signed by President.
Enacted5/22/2009Became Public Law No: 111-24.
NumberSponsorDate OfferedStatus
select this voteH. Amdt. 90Gutiérrez, Luis [D-IL4]April 30, 2009Passed 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.

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select this voteH. Amdt. 91Frank, Barney [D-MA4]April 30, 2009Passed 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.

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select this voteH. Amdt. 92Slaughter, Louise [D-NY25]April 30, 2009Passed 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.

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select this voteH. Amdt. 93Gutiérrez, Luis [D-IL4]April 30, 2009Passed 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.

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select this voteH. Amdt. 94Pingree, Chellie [D-ME1]April 30, 2009Passed 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.

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select this voteH. Amdt. 95Polis, Jared [D-CO2]April 30, 2009Passed 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.

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select this voteH. Amdt. 96Jones, Walter [R-NC3]April 30, 2009Passed 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.

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select this voteH. Amdt. 97Maloney, Carolyn [D-NY12]April 30, 2009Passed 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.

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select this voteH. Amdt. 98Hensarling, Jeb [R-TX5]April 30, 2009Failed 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.

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select this voteH. Amdt. 99Hensarling, Jeb [R-TX5]April 30, 2009Failed 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.

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select this voteH. Amdt. 100Minnick, Walter [D-ID1]April 30, 2009Passed 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.

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select this voteH. Amdt. 101Price, David [D-NC4]April 30, 2009Passed 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.

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select this voteH. Amdt. 102Gutiérrez, Luis [D-IL4]April 30, 2009Passed 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.

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select this voteH. Amdt. 103Perriello, Thomas [D-VA5]April 30, 2009Passed 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.

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select this voteH. Amdt. 104Schauer, Mark [D-MI7]April 30, 2009Passed 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.

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select this voteH. Amdt. 105Teague, Harry [D-NM2]April 30, 2009Passed 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.

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select this voteH. Amdt. 106Schock, Aaron [R-IL18]April 30, 2009Passed 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.

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select this voteS. Amdt. 1058Dodd, Christopher [D-CT]May 11, 2009Passed by roll call vote on May 18, 2009.

In the nature of a substitute.

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S. Amdt. 1059Whitehouse, Sheldon [D-RI]May 11, 2009Offered on May 10, 2009.

Amendment information not available.

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S. Amdt. 1060Whitehouse, Sheldon [D-RI]May 11, 2009Offered on May 10, 2009.

Amendment information not available.

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S. Amdt. 1061Coburn, Thomas [R-OK]May 12, 2009Offered on May 11, 2009.

Amendment information not available.

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select this voteS. Amdt. 1062Sanders, Bernard [I-VT]May 12, 2009Offered on May 11, 2009.

To establish a national consumer credit usury rate.

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S. Amdt. 1063Wyden, Ron [D-OR]May 12, 2009Offered on May 11, 2009.

Amendment information not available.

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S. Amdt. 1064Udall, Mark [D-CO]May 12, 2009Offered on May 11, 2009.

Amendment information not available.

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S. Amdt. 1065Casey, Robert [D-PA]May 12, 2009Offered on May 11, 2009.

Amendment information not available.

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select this voteS. Amdt. 1066Vitter, David [R-LA]May 12, 2009Failed by roll call vote on May 12, 2009.

To specify acceptable forms of identification for the opening of credit card accounts.

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select this voteS. Amdt. 1067Coburn, Thomas [R-OK]May 12, 2009Offered on May 11, 2009.

To protect innocent Americans from violent crime in national parks and refuges.

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S. Amdt. 1068Coburn, Thomas [R-OK]May 12, 2009Withdrawn on May 11, 2009.

To protect innocent Americans from violent crime in national parks and refuges.

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S. Amdt. 1069Kerry, John [D-MA]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1070Feinstein, Dianne [D-CA]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1071Feinstein, Dianne [D-CA]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1072Johanns, Mike [R-NE]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1073Menéndez, Robert [D-NJ]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1074Menéndez, Robert [D-NJ]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1075Menéndez, Robert [D-NJ]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1076Menéndez, Robert [D-NJ]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1077Menéndez, Robert [D-NJ]May 12, 2009Offered on May 11, 2009.

Amendment information not available.

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S. Amdt. 1078Menéndez, Robert [D-NJ]May 12, 2009Offered on May 11, 2009.

Amendment information not available.

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S. Amdt. 1079Landrieu, Mary [D-LA]May 12, 2009Offered on May 11, 2009.

To end abuse, promote disclosure, and provide protections to small businesses that rely on credit cards.

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S. Amdt. 1080Feinstein, Dianne [D-CA]May 12, 2009Offered on May 11, 2009.

Amendment information not available.

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S. Amdt. 1081Kohl, Herbert [D-WI]May 12, 2009Offered on May 11, 2009.

Amendment information not available.

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S. Amdt. 1082Kohl, Herbert [D-WI]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1083Snowe, Olympia [R-ME]May 12, 2009Offered on May 11, 2009.

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select this voteS. Amdt. 1084Gillibrand, Kirsten [D-NY]May 12, 2009Passed 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.

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select this voteS. Amdt. 1085Gregg, Judd [R-NH]May 12, 2009Offered 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.

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S. Amdt. 1086Bunning, Jim [R-KY]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1087Menéndez, Robert [D-NJ]May 12, 2009Offered on May 11, 2009.

Amendment information not available.

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S. Amdt. 1088Menéndez, Robert [D-NJ]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1089Durbin, Richard [D-IL]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1090Durbin, Richard [D-IL]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1091Cardin, Benjamin [D-MD]May 12, 2009Offered on May 11, 2009.

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S. Amdt. 1092Levin, Carl [D-MI]May 13, 2009Offered on May 12, 2009.

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S. Amdt. 1093Levin, Carl [D-MI]May 13, 2009Offered on May 12, 2009.

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S. Amdt. 1094Levin, Carl [D-MI]May 13, 2009Offered on May 12, 2009.

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S. Amdt. 1095Levin, Carl [D-MI]May 13, 2009Offered on May 12, 2009.

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S. Amdt. 1096Levin, Carl [D-MI]May 13, 2009Offered on May 12, 2009.

Amendment information not available.

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S. Amdt. 1097Levin, Carl [D-MI]May 13, 2009Offered on May 12, 2009.

Amendment information not available.

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S. Amdt. 1098Udall, Tom [D-NM]May 13, 2009Offered on May 12, 2009.

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S. Amdt. 1099Feinstein, Dianne [D-CA]May 13, 2009Offered on May 12, 2009.

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S. Amdt. 1100Durbin, Richard [D-IL]May 13, 2009Offered on May 12, 2009.

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S. Amdt. 1101Burr, Richard [R-NC]May 13, 2009Offered on May 12, 2009.

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S. Amdt. 1102Menéndez, Robert [D-NJ]May 13, 2009Offered on May 12, 2009.

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S. Amdt. 1103Udall, Mark [D-CO]May 13, 2009Offered on May 12, 2009.

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currently selectedS. Amdt. 1104Isakson, John [R-GA]May 13, 2009Passed by voice vote on May 13, 2009.

To require the Comptroller General to conduct a study on the relationship between fluency in the English language and financial literacy.

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May 13, 2009, 12:00 am ET - Amendment SA 1104 proposed by Senator Isakson to Amendment SA 1084.
May 13, 2009, 12:00 am ET - Amendment SA 1104 agreed to in Senate by Unanimous Consent.

Full Text of this Amendment

SA 1104. Mr. ISAKSON (for himself and Mr. Chambliss) submitted an amendment intended to be proposed to amendment SA 1084 submitted by Mrs. Gillibrand to the amendment SA 1058 proposed by Mr. Dodd (for himself and Mr. Shelby) 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; as follows:

Beginning on page 1, line 2, strike all through page 2, line 9, and insert the following:
SEC. 503. GAO STUDY AND REPORT ON FLUENCY IN THE ENGLISH LANGUAGE AND FINANCIAL LITERACY.
(a) Study.--The Comptroller General of the United States shall conduct a study examining--
(1) the relationship between fluency in the English language and financial literacy; and
(2) the extent, if any, to which individuals whose native language is a language other than English are impeded in their conduct of their financial affairs.
(b) Report.--Not later than 1 year after the date of enactment of this Act, the Comptroller General of the United States shall submit a report to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives that contains a detailed summary of the findings and conclusions of the study required under subsection (a).


(As printed in the Congressional Record for the Senate on May 13, 2009.)
S. Amdt. 1105Sanders, Bernard [I-VT]May 13, 2009Offered on May 13, 2009.

Amendment information not available.

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S. Amdt. 1106Murray, Patty [D-WA]May 13, 2009Offered on May 13, 2009.

Amendment information not available.

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S. Amdt. 1107Collins, Susan [R-ME]May 13, 2009Offered on May 13, 2009.

To address stored value devices and cards.

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S. Amdt. 1108Boxer, Barbara [D-CA]May 13, 2009Offered on May 13, 2009.

Amendment information not available.

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S. Amdt. 1109Ensign, John [R-NV]May 13, 2009Offered on May 13, 2009.

Amendment information not available.

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S. Amdt. 1110Akaka, Daniel [D-HI]May 13, 2009Offered on May 13, 2009.

Amendment information not available.

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S. Amdt. 1111Vitter, David [R-LA]May 14, 2009Offered on May 14, 2009.

Amendment information not available.

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S. Amdt. 1112Vitter, David [R-LA]May 14, 2009Offered on May 14, 2009.

Amendment information not available.

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S. Amdt. 1113Thune, John [R-SD]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1114Martinez, Mel [R-FL]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1115Menéndez, Robert [D-NJ]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1116Menéndez, Robert [D-NJ]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1117Levin, Carl [D-MI]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1118Levin, Carl [D-MI]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1119Levin, Carl [D-MI]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1120Boxer, Barbara [D-CA]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1121Durbin, Richard [D-IL]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1122Crapo, Michael [R-ID]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1123Burr, Richard [R-NC]May 14, 2009Offered on May 14, 2009.

Amendment information not available.

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S. Amdt. 1124Lincoln, Blanche [D-AR]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1125Dorgan, Byron [D-ND]May 14, 2009Offered on May 14, 2009.

Amendment information not available.

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S. Amdt. 1126Lincoln, Blanche [D-AR]May 14, 2009Offered on May 14, 2009.

To amend the Federal Deposit Insurance Act with respect to the extension of certain limitations.

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S. Amdt. 1127Snowe, Olympia [R-ME]May 14, 2009Offered on May 14, 2009.

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S. Amdt. 1129Murray, Patty [D-WA]May 14, 2009Offered on May 14, 2009.

Amendment information not available.

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select this voteS. Amdt. 1130Dodd, Christopher [D-CT]May 19, 2009Passed by voice vote on May 19, 2009.

Of a perfecting nature.

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0 Organizations Supported and 0 Opposed

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Credit Card Accountability Responsibility and Disclosure Act of 2009: Amendment SA 1104 agreed to in Senate by Unanimous Consent.

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0 organizations opposed this amendment

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Includes reported contributions to congressional campaigns of Senators in office on day of vote, from interest groups invested in the vote according to MapLight, January 1, 2005 – December 31, 2010.
Contributions data source: OpenSecrets.org

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NamePartyState$ From Interest Groups
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Daniel K. AkakaDHI$0$0Yes
Andrew Lamar AlexanderRTN$0$0Yes
John BarrassoRWY$0$0Yes
Max BaucusDMT$0$0Yes
Birch "Evan" BayhDIN$0$0Yes
Mark BegichDAK$0$0Yes
Michael BennetDCO$0$0Yes
Bob BennettRUT$0$0Yes
Jesse "Jeff" BingamanDNM$0$0Yes
Christopher "Kit" BondRMO$0$0Yes
Barbara BoxerDCA$0$0Yes
Sherrod BrownDOH$0$0Yes
Sam BrownbackRKS$0$0Yes
Jim BunningRKY$0$0Yes
Richard BurrRNC$0$0Yes
Roland BurrisDIL$0$0Yes
Robert ByrdDWV$0$0Yes
Maria CantwellDWA$0$0Yes
Ben CardinDMD$0$0Yes
Tom CarperDDE$0$0Yes
Bob CaseyDPA$0$0Yes
Clarence Saxby ChamblissRGA$0$0Yes
Tom CoburnROK$0$0Yes
William Thad CochranRMS$0$0Yes
Susan CollinsRME$0$0Yes
Gaylord Kent ConradDND$0$0Yes
Bob CorkerRTN$0$0Yes
John CornynRTX$0$0Yes
Mike CrapoRID$0$0Yes
Jim DeMintRSC$0$0Yes
Chris DoddDCT$0$0Yes
Byron DorganDND$0$0Yes
Dick DurbinDIL$0$0Yes
John EnsignRNV$0$0Yes
Mike EnziRWY$0$0Yes
Russ FeingoldDWI$0$0Yes
Dianne FeinsteinDCA$0$0Yes
Kirsten GillibrandDNY$0$0Yes
Lindsey GrahamRSC$0$0Yes
Chuck GrassleyRIA$0$0Yes
Judd GreggRNH$0$0Yes
Kay HaganDNC$0$0Yes
Tom HarkinDIA$0$0Yes
Orrin HatchRUT$0$0Yes
Kay Bailey HutchisonRTX$0$0Yes
Jim InhofeROK$0$0Yes
Dan InouyeDHI$0$0Yes
Johnny IsaksonRGA$0$0Yes
Mike JohannsRNE$0$0Yes
Tim JohnsonDSD$0$0Yes
Ted KaufmanDDE$0$0Yes
Ted KennedyDMA$0$0Yes
John KerryDMA$0$0Yes
Amy KlobucharDMN$0$0Yes
Herb KohlDWI$0$0Yes
Jon KylRAZ$0$0Yes
Mary LandrieuDLA$0$0Yes
Frank LautenbergDNJ$0$0Yes
Patrick LeahyDVT$0$0Yes
Carl LevinDMI$0$0Yes
Joe LiebermanICT$0$0Yes
Blanche LincolnDAR$0$0Yes
Dick LugarRIN$0$0Yes
Mel MartinezRFL$0$0Yes
John McCainRAZ$0$0Yes
Claire McCaskillDMO$0$0Yes
Addison "Mitch" McConnellRKY$0$0Yes
Bob MenéndezDNJ$0$0Yes
Jeff MerkleyDOR$0$0Yes
Barbara MikulskiDMD$0$0Yes
Lisa MurkowskiRAK$0$0Yes
Patty MurrayDWA$0$0Yes
Earl "Ben" NelsonDNE$0$0Yes
Clarence "Bill" NelsonDFL$0$0Yes
Mark PryorDAR$0$0Yes
John "Jack" ReedDRI$0$0Yes
Harry ReidDNV$0$0Yes
Jim RischRID$0$0Yes
Charles "Pat" RobertsRKS$0$0Yes
John "Jay" RockefellerDWV$0$0Yes
Bernie SandersIVT$0$0Yes
Chuck SchumerDNY$0$0Yes
Jeff SessionsRAL$0$0Yes
Jeanne ShaheenDNH$0$0Yes
Richard ShelbyRAL$0$0Yes
Olympia SnoweRME$0$0Yes
Arlen SpecterDPA$0$0Yes
Debbie StabenowDMI$0$0Yes
Jon TesterDMT$0$0Yes
John ThuneRSD$0$0Yes
Mark UdallDCO$0$0Yes
Tom UdallDNM$0$0Yes
David VitterRLA$0$0Yes
George VoinovichROH$0$0Yes
Mark WarnerDVA$0$0Yes
Jim WebbDVA$0$0Yes
Sheldon WhitehouseDRI$0$0Yes
Roger WickerRMS$0$0Yes
Ron WydenDOR$0$0Yes

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