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

Total contributions given to Senators within 30 days of the vote "Sponsor introductory remarks on measure. (CR S389-390)" from interest groups that…

supported this bill

Consumer groups
Small business associations

opposed this bill

Commercial banks & bank holding companies
Credit unions
Date Range of Contributions
Within days of the vote "Sponsor introductory remarks on measure. (CR S389-390)"
ContributorInterest groupAmountDatesort iconSenate memberPartyState
Bhattacharyya, RajCommercial banks & bank holding companies$1,00012/15/08Russell FeingoldDWI
Credit Union National AssnCredit unions$1,50012/16/08Harry ReidDNV
Gleason, Michael JCommercial banks & bank holding companies$25012/16/08Jeanne ShaheenDNH
Carey, PatrickCommercial banks & bank holding companies$1,00012/19/08Robert BennettRUT
Jpmorgan Chase & CoCommercial banks & bank holding companies$1,00012/19/08David VitterRLA
Citigroup IncCommercial banks & bank holding companies$1,00012/22/08Patty MurrayDWA
Frank, StevenCommercial banks & bank holding companies$1,00012/26/08Arlen SpecterDPA
Noel, ChristineCommercial banks & bank holding companies$25012/30/08Jeanne ShaheenDNH
Perkins, James ICommercial banks & bank holding companies$25012/30/08Susan CollinsRME
Citizens Financial GroupCommercial banks & bank holding companies$1,00012/31/08Christopher DoddDCT
Mitau, Lee RCommercial banks & bank holding companies$50012/31/08Amy KlobucharDMN
Cuna Mutual Insurance SocietyCredit unions$1,0001/2/09Charles GrassleyRIA
Bank of AmericaCommercial banks & bank holding companies$-2,5001/7/09Mel MartinezRFL
Credit Union National AssnCredit unions$-2,5001/13/09Mel MartinezRFL
Thomson, John GCommercial banks & bank holding companies$5001/13/09Russell FeingoldDWI
Citizens Financial GroupCommercial banks & bank holding companies$2,5001/14/09Mitch McConnellRKY
Citizens Financial GroupCommercial banks & bank holding companies$-2,5001/14/09Mitch McConnellRKY
Jpmorgan Chase & CoCommercial banks & bank holding companies$-1,0001/14/09John IsaksonRGA
Smith, MiltonCommercial banks & bank holding companies$1,0001/19/09Blanche LincolnDAR
Citigroup IncCommercial banks & bank holding companies$2,0001/22/09James RischRID
Bare, ThomasCommercial banks & bank holding companies$5001/23/09Russell FeingoldDWI
Credit Union National AssnCredit unions$4,0001/26/09Bill NelsonDFL
Credit Union National AssnCredit unions$1,0001/26/09Bill NelsonDFL
Newman, ElizabethCommercial banks & bank holding companies$1,0001/26/09Arlen SpecterDPA
Us BancorpCommercial banks & bank holding companies$2,0001/26/09Christopher DoddDCT
Baker, BudCommercial banks & bank holding companies$1,0001/29/09Richard BurrRNC
Bethpage Federal Credit UnionCredit unions$1,0001/29/09Charles SchumerDNY
Sallusti, Henry JCommercial banks & bank holding companies$1,4001/29/09Robert CaseyDPA
Sallusti, Henry JCommercial banks & bank holding companies$9001/29/09Robert CaseyDPA
Sallusti, Margaret ECommercial banks & bank holding companies$2,2301/29/09Robert CaseyDPA
Finlayson, William MdCommercial banks & bank holding companies$2501/30/09Russell FeingoldDWI
Bank of AmericaCommercial banks & bank holding companies$1,0002/2/09Thomas CarperDDE
Gleason, GeorgeCommercial banks & bank holding companies$2,3002/2/09Blanche LincolnDAR
Gleason, GeorgeCommercial banks & bank holding companies$2,3002/2/09Blanche LincolnDAR
Hendrix, DarwinCommercial banks & bank holding companies$1,0002/2/09Blanche LincolnDAR
Mobley, JuliaCommercial banks & bank holding companies$1,0002/2/09Blanche LincolnDAR
First Citizens BancorporationCommercial banks & bank holding companies$1,5002/3/09Jim DeMintRSC
Brewer, WilliamCommercial banks & bank holding companies$1,0002/4/09Blanche LincolnDAR
Rbc Centura BanksCommercial banks & bank holding companies$1,0002/4/09Christopher DoddDCT
Branch Banking & TrustCommercial banks & bank holding companies$1,5002/5/09Jim DeMintRSC
Branch Banking & TrustCommercial banks & bank holding companies$5002/5/09Jim DeMintRSC
First Horizon NationalCommercial banks & bank holding companies$1,0002/5/09Bob CorkerRTN
Holding, LewisCommercial banks & bank holding companies$9002/5/09Richard BurrRNC
Independent Community Bankers of AmericaCommercial banks & bank holding companies$1,0002/5/09Evan BayhDIN
Angel, SamCommercial banks & bank holding companies$2,3002/6/09Blanche LincolnDAR
Angel, SamCommercial banks & bank holding companies$2,3002/6/09Blanche LincolnDAR
Citizens Financial GroupCommercial banks & bank holding companies$2,0002/6/09Charles SchumerDNY
Bare, ThomasCommercial banks & bank holding companies$4002/10/09Russell FeingoldDWI
Bare, ThomasCommercial banks & bank holding companies$-4002/10/09Russell FeingoldDWI
Independent Community Bankers of AmericaCommercial banks & bank holding companies$1,0002/10/09Jeff MerkleyDOR
Independent Community Bankers of AmericaCommercial banks & bank holding companies$1,0002/10/09Patty MurrayDWA
Us BancorpCommercial banks & bank holding companies$-3,5002/10/09Ken SalazarDCO
American Bankers AssnCommercial banks & bank holding companies$5,0002/11/09Jeff MerkleyDOR
American Bankers AssnCommercial banks & bank holding companies$4,0002/11/09Evan BayhDIN
Robinson, KennethCommercial banks & bank holding companies$5002/11/09Christopher DoddDCT
Sjaarda, MartysCommercial banks & bank holding companies$2502/11/09John ThuneRSD
Wood, ClayCommercial banks & bank holding companies$2002/11/09John ThuneRSD
Cuna Mutual Insurance SocietyCredit unions$1,0002/12/09Charles SchumerDNY
Us BancorpCommercial banks & bank holding companies$-1,5002/12/09Ken SalazarDCO
Bank of AmericaCommercial banks & bank holding companies$1,0002/13/09Jeff MerkleyDOR
Brogan, JohnCommercial banks & bank holding companies$2,4002/13/09Russell FeingoldDWI
Dowling, StevenCommercial banks & bank holding companies$1,0002/13/09Christopher DoddDCT
Rutledge, ReynieCommercial banks & bank holding companies$2,3002/13/09Blanche LincolnDAR
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 .

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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, December 15, 2008 – February 13, 2009.
Contributions data source: OpenSecrets.org

Contributions by Legislator

Namesort iconPartyState$ From Interest Groups
That Supported
$ From Interest Groups
That Opposed
Daniel K. AkakaDHI$0$0
Andrew Lamar AlexanderRTN$0$0
John BarrassoRWY$0$0
Max BaucusDMT$0$0
Birch "Evan" BayhDIN$0$5,000
Mark BegichDAK$0$0
Bob BennettRUT$0$1,000
Joe BidenDDE$0$0
Jesse "Jeff" BingamanDNM$0$0
Christopher "Kit" BondRMO$0$0
Barbara BoxerDCA$0$0
Sherrod BrownDOH$0$0
Sam BrownbackRKS$0$0
Jim BunningRKY$0$0
Richard BurrRNC$0$1,900
Robert ByrdDWV$0$0
Maria CantwellDWA$0$0
Ben CardinDMD$0$0
Tom CarperDDE$0$1,000
Bob CaseyDPA$0$4,530
Clarence Saxby ChamblissRGA$0$0
Hillary ClintonDNY$0$0
Tom CoburnROK$0$0
William Thad CochranRMS$0$0
Susan CollinsRME$0$250
Gaylord Kent ConradDND$0$0
Bob CorkerRTN$0$1,000
John CornynRTX$0$0
Mike CrapoRID$0$0
Jim DeMintRSC$0$3,500
Chris DoddDCT$0$5,500
Byron DorganDND$0$0
Dick DurbinDIL$0$0
John EnsignRNV$0$0
Mike EnziRWY$0$0
Russ FeingoldDWI$0$4,650
Dianne FeinsteinDCA$0$0
Lindsey GrahamRSC$0$0
Chuck GrassleyRIA$0$1,000
Judd GreggRNH$0$0
Kay HaganDNC$0$0
Tom HarkinDIA$0$0
Orrin HatchRUT$0$0
Kay Bailey HutchisonRTX$0$0
Jim InhofeROK$0$0
Dan InouyeDHI$0$0
Johnny IsaksonRGA$0$-1,000
Mike JohannsRNE$0$0
Tim JohnsonDSD$0$0
Ted KennedyDMA$0$0
John KerryDMA$0$0
Amy KlobucharDMN$0$500
Herb KohlDWI$0$0
Jon KylRAZ$0$0
Mary LandrieuDLA$0$0
Frank LautenbergDNJ$0$0
Patrick LeahyDVT$0$0
Carl LevinDMI$0$0
Joe LiebermanICT$0$0
Blanche LincolnDAR$0$15,500
Dick LugarRIN$0$0
Mel MartinezRFL$0$-5,000
John McCainRAZ$0$0
Claire McCaskillDMO$0$0
Addison "Mitch" McConnellRKY$0$0
Bob MenéndezDNJ$0$0
Jeff MerkleyDOR$0$7,000
Barbara MikulskiDMD$0$0
Lisa MurkowskiRAK$0$0
Patty MurrayDWA$0$2,000
Earl "Ben" NelsonDNE$0$0
Clarence "Bill" NelsonDFL$0$5,000
Mark PryorDAR$0$0
John "Jack" ReedDRI$0$0
Harry ReidDNV$0$1,500
Jim RischRID$0$2,000
Charles "Pat" RobertsRKS$0$0
John "Jay" RockefellerDWV$0$0
Ken SalazarDCO$0$-5,000
Bernie SandersIVT$0$0
Chuck SchumerDNY$0$4,000
Jeff SessionsRAL$0$0
Jeanne ShaheenDNH$0$500
Richard ShelbyRAL$0$0
Olympia SnoweRME$0$0
Arlen SpecterDPA$0$2,000
Debbie StabenowDMI$0$0
Jon TesterDMT$0$0
John ThuneRSD$0$450
Mark UdallDCO$0$0
Tom UdallDNM$0$0
David VitterRLA$0$1,000
George VoinovichROH$0$0
Mark WarnerDVA$0$0
Jim WebbDVA$0$0
Sheldon WhitehouseDRI$0$0
Roger WickerRMS$0$0
Ron WydenDOR$0$0

Add Data Filters:

Legislator Filters
Legislator Filters
Show All
NamePartyState$ From Interest Groups
That Supported
$ From Interest Groups
That Opposed
Daniel K. AkakaDHI$0$0
Andrew Lamar AlexanderRTN$0$0
John BarrassoRWY$0$0
Max BaucusDMT$0$0
Birch "Evan" BayhDIN$0$5,000
Mark BegichDAK$0$0
Bob BennettRUT$0$1,000
Joe BidenDDE$0$0
Jesse "Jeff" BingamanDNM$0$0
Christopher "Kit" BondRMO$0$0
Barbara BoxerDCA$0$0
Sherrod BrownDOH$0$0
Sam BrownbackRKS$0$0
Jim BunningRKY$0$0
Richard BurrRNC$0$1,900
Robert ByrdDWV$0$0
Maria CantwellDWA$0$0
Ben CardinDMD$0$0
Tom CarperDDE$0$1,000
Bob CaseyDPA$0$4,530
Clarence Saxby ChamblissRGA$0$0
Hillary ClintonDNY$0$0
Tom CoburnROK$0$0
William Thad CochranRMS$0$0
Susan CollinsRME$0$250
Gaylord Kent ConradDND$0$0
Bob CorkerRTN$0$1,000
John CornynRTX$0$0
Mike CrapoRID$0$0
Jim DeMintRSC$0$3,500
Chris DoddDCT$0$5,500
Byron DorganDND$0$0
Dick DurbinDIL$0$0
John EnsignRNV$0$0
Mike EnziRWY$0$0
Russ FeingoldDWI$0$4,650
Dianne FeinsteinDCA$0$0
Lindsey GrahamRSC$0$0
Chuck GrassleyRIA$0$1,000
Judd GreggRNH$0$0
Kay HaganDNC$0$0
Tom HarkinDIA$0$0
Orrin HatchRUT$0$0
Kay Bailey HutchisonRTX$0$0
Jim InhofeROK$0$0
Dan InouyeDHI$0$0
Johnny IsaksonRGA$0$-1,000
Mike JohannsRNE$0$0
Tim JohnsonDSD$0$0
Ted KennedyDMA$0$0
John KerryDMA$0$0
Amy KlobucharDMN$0$500
Herb KohlDWI$0$0
Jon KylRAZ$0$0
Mary LandrieuDLA$0$0
Frank LautenbergDNJ$0$0
Patrick LeahyDVT$0$0
Carl LevinDMI$0$0
Joe LiebermanICT$0$0
Blanche LincolnDAR$0$15,500
Dick LugarRIN$0$0
Mel MartinezRFL$0$-5,000
John McCainRAZ$0$0
Claire McCaskillDMO$0$0
Addison "Mitch" McConnellRKY$0$0
Bob MenéndezDNJ$0$0
Jeff MerkleyDOR$0$7,000
Barbara MikulskiDMD$0$0
Lisa MurkowskiRAK$0$0
Patty MurrayDWA$0$2,000
Earl "Ben" NelsonDNE$0$0
Clarence "Bill" NelsonDFL$0$5,000
Mark PryorDAR$0$0
John "Jack" ReedDRI$0$0
Harry ReidDNV$0$1,500
Jim RischRID$0$2,000
Charles "Pat" RobertsRKS$0$0
John "Jay" RockefellerDWV$0$0
Ken SalazarDCO$0$-5,000
Bernie SandersIVT$0$0
Chuck SchumerDNY$0$4,000
Jeff SessionsRAL$0$0
Jeanne ShaheenDNH$0$500
Richard ShelbyRAL$0$0
Olympia SnoweRME$0$0
Arlen SpecterDPA$0$2,000
Debbie StabenowDMI$0$0
Jon TesterDMT$0$0
John ThuneRSD$0$450
Mark UdallDCO$0$0
Tom UdallDNM$0$0
David VitterRLA$0$1,000
George VoinovichROH$0$0
Mark WarnerDVA$0$0
Jim WebbDVA$0$0
Sheldon WhitehouseDRI$0$0
Roger WickerRMS$0$0
Ron WydenDOR$0$0

Interest Groups that supported this bill

$ Donated
Small business associations$0
Consumer groups$0

Interest Groups that opposed this bill

$ Donated
Commercial banks & bank holding companies$52,780
Credit unions$7,000
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