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S. 414 - Credit Card Accountability Responsibility and Disclosure Act of 2009

Responsible Lending, Predatory Lending, Interest Rate - Finance and financial sector. 111th Congress (2009-2010) View bill details
Sponsor:
Summary:
A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. (by CRS) 
Status:
The bill has passed through committee and has been put on a legislative calendar. 
There have been no votes on this bill.

Credit Card Accountability Responsibility and Disclosure Act of 2009

S. 414 — 111th Congress (2009–2010)

Keywords
Responsible Lending, Predatory Lending, Interest Rate
Summary
A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. (by CRS)
Learn More
At OpenCongress
Title
A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes.
Other Titles
  • 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
Christopher Dodd
Co-Sponsors
Subjects
  • Finance and financial sector
  • Administrative law and regulatory procedures
  • Banking and financial institutions regulation
  • Child safety and welfare
  • Congressional oversight
  • Consumer credit
  • Federal Reserve System
  • Federal Trade Commission (FTC)
  • Government Accountability Office (GAO)
  • Interest, dividends, interest rates
  • National Credit Union Administration
Related Bills
Major Actions
Introduced2/11/2009
Referred to Committee
Bill History

There have been no votes on this bill.

ActionDateDescription
Introduced2/11/2009
2/11/2009Sponsor introductory remarks on measure. (CR S2149-2150)
2/11/2009Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Put on a legislative calendar3/31/2009Committee on Banking, Housing, and Urban Affairs. Ordered to be reported with amendments favorably.
4/29/2009Committee on Banking, Housing, and Urban Affairs. Reported by Senator Dodd with an amendment in the nature of a substitute. Without written report.
Put on a legislative calendar4/29/2009Placed on Senate Legislative Calendar under General Orders. Calendar No. 54.
5/04/2009By Senator Dodd from Committee on Banking, Housing, and Urban Affairs filed written report. Report No. 111-16.
NumberSponsorDate OfferedStatus

Total contributions given to Senators from interest groups that…

supported this bill

Banks & lending institutions$2,324,322
Minority/Ethnic Groups$1,152,022
Commercial service unions$454,500
Consumer groups$6,100
$3,936,944

opposed this bill

Commercial banks & bank holding companies$8,755,594
$8,755,594

Interest groups that opposed this bill gave 122% more as interest groups that supported this bill

12 Organizations Supported and 1 Opposed; See Which Ones
12 Organizations Supported and 1 Opposed; See Which Ones

Organizations that took a position on
Credit Card Accountability Responsibility and Disclosure Act of 2009

12 organizations supported this bill

Americans for Fairness in Lending
(n.d.). AFFIL Support. Retrieved March 30, 2009, from .
Center for Responsible Lending
(2009, February 12). Group Letter to Senator Dodd. Retrieved March 30, 2009, from .
Consumer Action
(n.d.). Support the Credit CARD Act. Retrieved March 30, 2009, from .
Consumer Federation of America
(2009, February 12). Group Letter to Senator Dodd. Retrieved March 30, 2009, from .
Consumers Union
(2009, February 12). Group Letter to Senator Dodd. Retrieved March 30, 2009, from .
Demos
(2009, February 13). Demos Press Release. Retrieved March 30, 2009, from .
National Association for the Advancement of Colored People
(2009, February 12). Group Letter to Senator Dodd. Retrieved March 30, 2009, from .
National Association of Consumer Advocates
(2009, February 12). Group Letter to Senator Dodd. Retrieved March 30, 2009, from .
National Consumer Law Center
(2009, February 12). Group Letter to Senator Dodd. Retrieved March 30, 2009, from .
National Council of La Raza
(2009, February 12). Group Letter to Senator Dodd. Retrieved March 30, 2009, from .
Service Employees International Union
(2009, February 12). Group Letter to Senator Dodd. Retrieved March 30, 2009, from .
U.S. Public Interest Research Groups
(2009, February 12). Group Letter to Senator Dodd. Retrieved March 30, 2009, from .

1 organization opposed this bill

American Bankers Association
(2009, February 12). ABA Hearing Testimony. Retrieved March 30, 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$26,990$45,250
Andrew Lamar AlexanderRTN$42,750$77,250
John BarrassoRWY$5,700$43,950
Max BaucusDMT$31,200$197,130
Birch "Evan" BayhDIN$26,150$102,201
Mark BegichDAK$22,475$15,400
Michael BennetDCO$33,100$80,950
Bob BennettRUT$22,275$136,450
Jesse "Jeff" BingamanDNM$27,133$28,000
Christopher "Kit" BondRMO$10,450$18,800
Barbara BoxerDCA$76,150$38,150
Sherrod BrownDOH$41,297$91,812
Sam BrownbackRKS$1,000$3,750
Jim BunningRKY$5,500$25,449
Richard BurrRNC$26,727$223,907
Roland BurrisDIL$0$0
Robert ByrdDWV$45,000$39,850
Maria CantwellDWA$42,450$29,185
Ben CardinDMD$55,200$43,400
Tom CarperDDE$24,500$194,499
Bob CaseyDPA$103,450$136,950
Clarence Saxby ChamblissRGA$71,425$189,048
Tom CoburnROK$15,150$65,750
William Thad CochranRMS$15,400$35,150
Susan CollinsRME$32,400$78,984
Gaylord Kent ConradDND$24,250$95,750
Bob CorkerRTN$123,275$218,400
John CornynRTX$78,550$284,773
Mike CrapoRID$21,424$120,782
Jim DeMintRSC$8,145$85,910
Chris DoddDCT$37,250$243,650
Byron DorganDND$5,800$17,000
Dick DurbinDIL$58,100$148,500
John EnsignRNV$20,500$49,850
Mike EnziRWY$17,600$68,300
Russ FeingoldDWI$37,965$30,820
Dianne FeinsteinDCA$33,200$52,250
Kirsten GillibrandDNY$80,706$293,946
Lindsey GrahamRSC$35,413$100,850
Chuck GrassleyRIA$21,600$62,200
Judd GreggRNH$0$8,000
Kay HaganDNC$17,700$51,683
Tom HarkinDIA$42,080$68,080
Orrin HatchRUT$22,900$90,250
Kay Bailey HutchisonRTX$91,850$120,500
Jim InhofeROK$53,875$58,550
Dan InouyeDHI$33,350$64,775
Johnny IsaksonRGA$58,550$134,950
Mike JohannsRNE$33,250$89,000
Tim JohnsonDSD$84,302$200,794
Ted KaufmanDDE$0$0
Ted KennedyDMA$28,900$41,500
John KerryDMA$29,150$41,930
Amy KlobucharDMN$92,463$110,349
Herb KohlDWI$0$0
Jon KylRAZ$78,775$189,000
Mary LandrieuDLA$50,500$103,249
Frank LautenbergDNJ$21,900$45,650
Patrick LeahyDVT$12,750$18,500
Carl LevinDMI$38,021$44,700
Joe LiebermanICT$113,400$120,750
Blanche LincolnDAR$40,833$150,100
Dick LugarRIN$34,325$39,450
Mel MartinezRFL$11,850$97,900
John McCainRAZ$21,700$48,175
Claire McCaskillDMO$46,500$51,750
Addison "Mitch" McConnellRKY$111,100$339,300
Bob MenéndezDNJ$122,070$132,150
Jeff MerkleyDOR$40,806$32,500
Barbara MikulskiDMD$13,250$17,250
Lisa MurkowskiRAK$19,300$35,020
Patty MurrayDWA$45,850$27,625
Earl "Ben" NelsonDNE$55,750$132,179
Clarence "Bill" NelsonDFL$50,599$56,150
Mark PryorDAR$43,950$88,142
John "Jack" ReedDRI$21,900$159,349
Harry ReidDNV$71,133$167,850
Jim RischRID$0$28,000
Charles "Pat" RobertsRKS$77,800$162,240
John "Jay" RockefellerDWV$21,050$65,700
Bernie SandersIVT$8,500$1,700
Chuck SchumerDNY$68,528$150,500
Jeff SessionsRAL$31,600$97,932
Jeanne ShaheenDNH$25,253$34,708
Richard ShelbyRAL$20,400$236,050
Olympia SnoweRME$31,370$44,750
Arlen SpecterDPA$76,970$98,850
Debbie StabenowDMI$45,830$130,836
Jon TesterDMT$15,870$80,250
John ThuneRSD$80,060$132,725
Mark UdallDCO$53,714$46,600
Tom UdallDNM$55,732$14,983
David VitterRLA$69,925$66,650
George VoinovichROH$11,900$47,900
Mark WarnerDVA$72,050$102,400
Jim WebbDVA$23,810$23,000
Sheldon WhitehouseDRI$34,400$36,950
Roger WickerRMS$40,500$124,824
Ron WydenDOR$9,400$36,700

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NamePartyState$ From Interest Groups
That Supported		$ From Interest Groups
That Opposed
Daniel K. AkakaDHI$26,990$45,250
Andrew Lamar AlexanderRTN$42,750$77,250
John BarrassoRWY$5,700$43,950
Max BaucusDMT$31,200$197,130
Birch "Evan" BayhDIN$26,150$102,201
Mark BegichDAK$22,475$15,400
Michael BennetDCO$33,100$80,950
Bob BennettRUT$22,275$136,450
Jesse "Jeff" BingamanDNM$27,133$28,000
Christopher "Kit" BondRMO$10,450$18,800
Barbara BoxerDCA$76,150$38,150
Sherrod BrownDOH$41,297$91,812
Sam BrownbackRKS$1,000$3,750
Jim BunningRKY$5,500$25,449
Richard BurrRNC$26,727$223,907
Roland BurrisDIL$0$0
Robert ByrdDWV$45,000$39,850
Maria CantwellDWA$42,450$29,185
Ben CardinDMD$55,200$43,400
Tom CarperDDE$24,500$194,499
Bob CaseyDPA$103,450$136,950
Clarence Saxby ChamblissRGA$71,425$189,048
Tom CoburnROK$15,150$65,750
William Thad CochranRMS$15,400$35,150
Susan CollinsRME$32,400$78,984
Gaylord Kent ConradDND$24,250$95,750
Bob CorkerRTN$123,275$218,400
John CornynRTX$78,550$284,773
Mike CrapoRID$21,424$120,782
Jim DeMintRSC$8,145$85,910
Chris DoddDCT$37,250$243,650
Byron DorganDND$5,800$17,000
Dick DurbinDIL$58,100$148,500
John EnsignRNV$20,500$49,850
Mike EnziRWY$17,600$68,300
Russ FeingoldDWI$37,965$30,820
Dianne FeinsteinDCA$33,200$52,250
Kirsten GillibrandDNY$80,706$293,946
Lindsey GrahamRSC$35,413$100,850
Chuck GrassleyRIA$21,600$62,200
Judd GreggRNH$0$8,000
Kay HaganDNC$17,700$51,683
Tom HarkinDIA$42,080$68,080
Orrin HatchRUT$22,900$90,250
Kay Bailey HutchisonRTX$91,850$120,500
Jim InhofeROK$53,875$58,550
Dan InouyeDHI$33,350$64,775
Johnny IsaksonRGA$58,550$134,950
Mike JohannsRNE$33,250$89,000
Tim JohnsonDSD$84,302$200,794
Ted KaufmanDDE$0$0
Ted KennedyDMA$28,900$41,500
John KerryDMA$29,150$41,930
Amy KlobucharDMN$92,463$110,349
Herb KohlDWI$0$0
Jon KylRAZ$78,775$189,000
Mary LandrieuDLA$50,500$103,249
Frank LautenbergDNJ$21,900$45,650
Patrick LeahyDVT$12,750$18,500
Carl LevinDMI$38,021$44,700
Joe LiebermanICT$113,400$120,750
Blanche LincolnDAR$40,833$150,100
Dick LugarRIN$34,325$39,450
Mel MartinezRFL$11,850$97,900
John McCainRAZ$21,700$48,175
Claire McCaskillDMO$46,500$51,750
Addison "Mitch" McConnellRKY$111,100$339,300
Bob MenéndezDNJ$122,070$132,150
Jeff MerkleyDOR$40,806$32,500
Barbara MikulskiDMD$13,250$17,250
Lisa MurkowskiRAK$19,300$35,020
Patty MurrayDWA$45,850$27,625
Earl "Ben" NelsonDNE$55,750$132,179
Clarence "Bill" NelsonDFL$50,599$56,150
Mark PryorDAR$43,950$88,142
John "Jack" ReedDRI$21,900$159,349
Harry ReidDNV$71,133$167,850
Jim RischRID$0$28,000
Charles "Pat" RobertsRKS$77,800$162,240
John "Jay" RockefellerDWV$21,050$65,700
Bernie SandersIVT$8,500$1,700
Chuck SchumerDNY$68,528$150,500
Jeff SessionsRAL$31,600$97,932
Jeanne ShaheenDNH$25,253$34,708
Richard ShelbyRAL$20,400$236,050
Olympia SnoweRME$31,370$44,750
Arlen SpecterDPA$76,970$98,850
Debbie StabenowDMI$45,830$130,836
Jon TesterDMT$15,870$80,250
John ThuneRSD$80,060$132,725
Mark UdallDCO$53,714$46,600
Tom UdallDNM$55,732$14,983
David VitterRLA$69,925$66,650
George VoinovichROH$11,900$47,900
Mark WarnerDVA$72,050$102,400
Jim WebbDVA$23,810$23,000
Sheldon WhitehouseDRI$34,400$36,950
Roger WickerRMS$40,500$124,824
Ron WydenDOR$9,400$36,700

Interest Groups that supported this bill

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$ Donated
Banks & lending institutions$2,324,322
Minority/Ethnic Groups$1,152,022
Commercial service unions$454,500
Consumer groups$6,100

Interest Groups that opposed this bill

Uncheck All
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$ Donated
Commercial banks & bank holding companies$8,755,594
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