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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
scale for bar graph of contributions

Contributions

  1. January - February 2005 For $1,000 Against $112,581
  2. March - April 2005 For $9,500 Against $361,869
  3. May - June 2005 For $12,000 Against $269,442
  4. July - August 2005 For $500 Against $189,150
  5. September - October 2005 For $4,400 Against $345,595
  6. November - December 2005 For $1,000 Against $304,305
  7. January - February 2006 For $1,750 Against $130,890
  8. March - April 2006 For $17,143 Against $404,020
  9. May - June 2006 For $13,750 Against $433,217
  10. July - August 2006 For $9,250 Against $266,092
  11. September - October 2006 For $22,769 Against $462,660
  12. November - December 2006 For $6,550 Against $348,955
  13. January - February 2007 For $6,500 Against $280,549
  14. March - April 2007 For $9,250 Against $492,731
  15. May - June 2007 For $11,500 Against $370,880
  16. July - August 2007 For $4,000 Against $229,508
  17. September - October 2007 For $28,000 Against $309,199
  18. November - December 2007 For $4,000 Against $311,099
  19. January - February 2008 For $3,000 Against $263,560
  20. March - April 2008 For $2,000 Against $340,213
  21. May - June 2008 For $27,500 Against $482,670
  22. July - August 2008 For $20,500 Against $351,802
  23. September - October 2008 For $34,000 Against $343,425
  24. November - December 2008 For $5,500 Against $167,000
  25. January - February 2009 For $0 Against $97,950
  26. March - April 2009 For $1,000 Against $178,150
  27. May - June 2009 For $3,000 Against $197,175
  28. July - August 2009 For $100 Against $179,050
  29. September - October 2009 For $4,750 Against $233,087
  30. November - December 2009 For $3,500 Against $163,450
  31. January - February 2010 For $0 Against $177,100
  32. March - April 2010 For $16,500 Against $286,800
  33. May - June 2010 For $28,500 Against $234,382
  34. July - August 2010 For $6,000 Against $134,809
  35. September - October 2010 For $4,750 Against $286,590
  36. November - December 2010 For $6,500 Against $164,300

Votes

    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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