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S. 235 - Credit Cardholder's Bill of Rights Act of 2009

Credit, Consumers' Rights, Banking - Finance and financial sector. 111th Congress (2009-2010) View bill details
Sponsor:
Summary:
A bill 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) 
Status:
The bill has been introduced. 
There have been no votes on this bill.

Credit Cardholder's Bill of Rights Act of 2009

S. 235 — 111th Congress (2009–2010)

Keywords
Credit, Consumers' Rights, Banking
Summary
A bill 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)
Learn More
At OpenCongress
Title
A bill 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
Sponsor
Charles Schumer
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
Introduced1/14/2009
Referred to Committee
Bill History

There have been no votes on this bill.

ActionDateDescription
Introduced1/14/2009
1/14/2009Sponsor introductory remarks on measure. (CR S389-390)
1/14/2009Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
NumberSponsorDate OfferedStatus

Average contributions given to Senators from interest groups that…

supported this bill

Small business associations [About]
Consumer groups [About]
Average given to Senators who voted:
$0
$0
YES$0
$0
$0
NO$0

opposed this bill

Commercial banks & bank holding companies [About]
Credit unions [About]
Average given to Senators who voted:
$0
$0
YES$0
$0
$0
NO$0
13 Organizations Supported and 3 Opposed; See Which Ones
13 Organizations Supported and 3 Opposed; See Which Ones

Organizations that took a position on
Credit Cardholders' Bill of Rights Act of 2009

13 organizations supported this bill

Americans for Fairness in Lending
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
Association of Community Organizations for Reform Now
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
Center for Responsible Lending
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
Consumer Action
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
Consumer Federation of America
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
Consumers Union
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
Demos
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
National Association of Consumer Advocates
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
National Consumer Law Center
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
National Small Business Association
McCracken, Todd (2009, March 19). Testimony of Todd McCracken, President (of the) National Small Business Association... Before the U.S. House Committee on Financial Services. Retrieved March 23, 2009, from .
National Training and Information Center
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
Public Citizen
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .
U.S. Public Interest Research Groups
Plunkett, Travis B. & Mierzwinski, Edmund (2009, March 19). Testimony of Travis B. Plunkett, Legislative Director, Consumer Federation of America and Edmund Mierzwinski, Consumer Program Director, U.S. Public Interest Research Group on Behalf of ACORN, Americans for Fairness in Lending… and U.S. PIRG Before the Subcommittee on Financial Institutions and Consumer Credit of the United States House of Representatives Committee on Financial Services… Legislative Hearing Regarding H.R. 627… and H.R. 1456. Retrieved March 23, 2009, from .

3 organizations opposed this bill

American Bankers Association
Clayton, Kenneth J. (2009, March 19). Testimony of Kenneth J. Clayton on Behalf of the American Bankers Association Before the Subcommittee on Financial Institutions and Consumer Credit Committee on Financial Services. United States House of Representatives. Retrieved March 23, 2009, from .
Credit Union National Association
Fecher, Douglas (2009, March 19). Statement of Douglas Fecher, President and Chief Executive Officer (of) Wright-Patt Credit Union on Behalf of the Credit Union National Association (CUNA)… Before the House Financial Services Committee Subcommittee on Financial Institutions and Consumer Credit. Retrieved March 23, 2009, from .
Independent Community Bankers of America
Echard, Linda (2009, March 19). Testimony of Linda Echard, President and CEO, ICBA Bancard on behalf of the Independent Community Bankers of America. Retrieved March 23, 2009, from .

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Includes reported contributions to congressional campaigns of Senators in office during the 111th U.S. Congress, 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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Contributions by Legislator

Namesort iconPartyState$ From Interest Groups
That Supported		$ From Interest Groups
That Opposed
Daniel K. AkakaDHI$0$55,800
Andrew Lamar AlexanderRTN$2,000$87,500
John BarrassoRWY$4,000$46,950
Max BaucusDMT$5,750$215,130
Birch "Evan" BayhDIN$0$109,121
Mark BegichDAK$0$17,350
Bob BennettRUT$9,000$148,450
Joe BidenDDE$0$42,775
Jesse "Jeff" BingamanDNM$3,750$34,400
Christopher "Kit" BondRMO$0$18,800
Barbara BoxerDCA$0$49,650
Sherrod BrownDOH$0$97,562
Sam BrownbackRKS$0$3,750
Jim BunningRKY$0$27,949
Richard BurrRNC$10,000$225,207
Robert ByrdDWV$0$49,850
Maria CantwellDWA$400$30,185
Ben CardinDMD$9,900$57,400
Tom CarperDDE$0$208,499
Bob CaseyDPA$0$147,750
Clarence Saxby ChamblissRGA$11,500$204,498
Hillary ClintonDNY$0$430,007
Tom CoburnROK$1,000$72,500
William Thad CochranRMS$1,000$40,150
Susan CollinsRME$13,000$93,234
Gaylord Kent ConradDND$0$108,000
Bob CorkerRTN$10,669$235,650
John CornynRTX$10,500$328,958
Mike CrapoRID$3,000$140,782
Jim DeMintRSC$8,000$95,410
Chris DoddDCT$0$261,150
Byron DorganDND$0$22,000
Dick DurbinDIL$5,000$161,000
John EnsignRNV$5,000$57,350
Mike EnziRWY$6,000$71,300
Russ FeingoldDWI$0$40,670
Dianne FeinsteinDCA$0$67,000
Lindsey GrahamRSC$5,000$110,850
Chuck GrassleyRIA$7,000$87,700
Judd GreggRNH$0$8,000
Kay HaganDNC$0$56,683
Tom HarkinDIA$1,000$78,580
Orrin HatchRUT$3,000$119,270
Kay Bailey HutchisonRTX$5,000$136,000
Jim InhofeROK$0$58,800
Dan InouyeDHI$0$71,275
Johnny IsaksonRGA$5,000$139,950
Mike JohannsRNE$5,000$99,000
Tim JohnsonDSD$0$219,294
Ted KennedyDMA$0$44,000
John KerryDMA$11,250$49,430
Amy KlobucharDMN$0$110,849
Herb KohlDWI$0$0
Jon KylRAZ$15,000$201,750
Mary LandrieuDLA$10,500$119,999
Frank LautenbergDNJ$0$50,650
Patrick LeahyDVT$0$24,000
Carl LevinDMI$8,000$56,350
Joe LiebermanICT$6,500$134,750
Blanche LincolnDAR$12,100$158,100
Dick LugarRIN$0$46,850
Mel MartinezRFL$0$103,900
John McCainRAZ$0$51,425
Claire McCaskillDMO$0$56,250
Addison "Mitch" McConnellRKY$11,000$363,500
Bob MenéndezDNJ$0$146,400
Jeff MerkleyDOR$0$38,750
Barbara MikulskiDMD$0$21,750
Lisa MurkowskiRAK$5,500$40,820
Patty MurrayDWA$0$43,325
Earl "Ben" NelsonDNE$12,000$148,929
Clarence "Bill" NelsonDFL$0$74,600
Mark PryorDAR$4,250$98,392
John "Jack" ReedDRI$2,000$169,599
Harry ReidDNV$0$209,050
Jim RischRID$5,000$38,000
Charles "Pat" RobertsRKS$3,000$163,240
John "Jay" RockefellerDWV$0$68,200
Ken SalazarDCO$0$71,750
Bernie SandersIVT$0$21,700
Chuck SchumerDNY$2,500$168,250
Jeff SessionsRAL$8,000$101,732
Jeanne ShaheenDNH$0$39,708
Richard ShelbyRAL$3,000$254,050
Olympia SnoweRME$17,643$55,500
Arlen SpecterDPA$0$105,850
Debbie StabenowDMI$1,500$139,586
Jon TesterDMT$0$89,750
John ThuneRSD$11,000$150,275
Mark UdallDCO$1,000$71,100
Tom UdallDNM$0$16,483
David VitterRLA$15,000$81,400
George VoinovichROH$0$48,150
Mark WarnerDVA$7,500$124,000
Jim WebbDVA$250$23,500
Sheldon WhitehouseDRI$0$38,950
Roger WickerRMS$5,000$135,824
Ron WydenDOR$1,000$44,700

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NamePartyState$ From Interest Groups
That Supported		$ From Interest Groups
That Opposed
Daniel K. AkakaDHI$0$55,800
Andrew Lamar AlexanderRTN$2,000$87,500
John BarrassoRWY$4,000$46,950
Max BaucusDMT$5,750$215,130
Birch "Evan" BayhDIN$0$109,121
Mark BegichDAK$0$17,350
Bob BennettRUT$9,000$148,450
Joe BidenDDE$0$42,775
Jesse "Jeff" BingamanDNM$3,750$34,400
Christopher "Kit" BondRMO$0$18,800
Barbara BoxerDCA$0$49,650
Sherrod BrownDOH$0$97,562
Sam BrownbackRKS$0$3,750
Jim BunningRKY$0$27,949
Richard BurrRNC$10,000$225,207
Robert ByrdDWV$0$49,850
Maria CantwellDWA$400$30,185
Ben CardinDMD$9,900$57,400
Tom CarperDDE$0$208,499
Bob CaseyDPA$0$147,750
Clarence Saxby ChamblissRGA$11,500$204,498
Hillary ClintonDNY$0$430,007
Tom CoburnROK$1,000$72,500
William Thad CochranRMS$1,000$40,150
Susan CollinsRME$13,000$93,234
Gaylord Kent ConradDND$0$108,000
Bob CorkerRTN$10,669$235,650
John CornynRTX$10,500$328,958
Mike CrapoRID$3,000$140,782
Jim DeMintRSC$8,000$95,410
Chris DoddDCT$0$261,150
Byron DorganDND$0$22,000
Dick DurbinDIL$5,000$161,000
John EnsignRNV$5,000$57,350
Mike EnziRWY$6,000$71,300
Russ FeingoldDWI$0$40,670
Dianne FeinsteinDCA$0$67,000
Lindsey GrahamRSC$5,000$110,850
Chuck GrassleyRIA$7,000$87,700
Judd GreggRNH$0$8,000
Kay HaganDNC$0$56,683
Tom HarkinDIA$1,000$78,580
Orrin HatchRUT$3,000$119,270
Kay Bailey HutchisonRTX$5,000$136,000
Jim InhofeROK$0$58,800
Dan InouyeDHI$0$71,275
Johnny IsaksonRGA$5,000$139,950
Mike JohannsRNE$5,000$99,000
Tim JohnsonDSD$0$219,294
Ted KennedyDMA$0$44,000
John KerryDMA$11,250$49,430
Amy KlobucharDMN$0$110,849
Herb KohlDWI$0$0
Jon KylRAZ$15,000$201,750
Mary LandrieuDLA$10,500$119,999
Frank LautenbergDNJ$0$50,650
Patrick LeahyDVT$0$24,000
Carl LevinDMI$8,000$56,350
Joe LiebermanICT$6,500$134,750
Blanche LincolnDAR$12,100$158,100
Dick LugarRIN$0$46,850
Mel MartinezRFL$0$103,900
John McCainRAZ$0$51,425
Claire McCaskillDMO$0$56,250
Addison "Mitch" McConnellRKY$11,000$363,500
Bob MenéndezDNJ$0$146,400
Jeff MerkleyDOR$0$38,750
Barbara MikulskiDMD$0$21,750
Lisa MurkowskiRAK$5,500$40,820
Patty MurrayDWA$0$43,325
Earl "Ben" NelsonDNE$12,000$148,929
Clarence "Bill" NelsonDFL$0$74,600
Mark PryorDAR$4,250$98,392
John "Jack" ReedDRI$2,000$169,599
Harry ReidDNV$0$209,050
Jim RischRID$5,000$38,000
Charles "Pat" RobertsRKS$3,000$163,240
John "Jay" RockefellerDWV$0$68,200
Ken SalazarDCO$0$71,750
Bernie SandersIVT$0$21,700
Chuck SchumerDNY$2,500$168,250
Jeff SessionsRAL$8,000$101,732
Jeanne ShaheenDNH$0$39,708
Richard ShelbyRAL$3,000$254,050
Olympia SnoweRME$17,643$55,500
Arlen SpecterDPA$0$105,850
Debbie StabenowDMI$1,500$139,586
Jon TesterDMT$0$89,750
John ThuneRSD$11,000$150,275
Mark UdallDCO$1,000$71,100
Tom UdallDNM$0$16,483
David VitterRLA$15,000$81,400
George VoinovichROH$0$48,150
Mark WarnerDVA$7,500$124,000
Jim WebbDVA$250$23,500
Sheldon WhitehouseDRI$0$38,950
Roger WickerRMS$5,000$135,824
Ron WydenDOR$1,000$44,700

Interest Groups that supported this bill

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$ Donated
Small business associations$323,862
Consumer groups$6,100

Interest Groups that opposed this bill

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$ Donated
Commercial banks & bank holding companies$8,905,730
Credit unions$998,525
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