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Credit Card Accountability Responsibility And Disclosure Act
The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 is a federal statute passed by the United States Congress and signed by U.S. President Barack Obama on May 22, 2009. It is a comprehensive credit card reform legislation that aims "to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes." The bill was passed with bipartisan support by both the House of Representatives and the Senate. Introduction and votes The Credit Cardholders' Bill of Rights was introduced in the 110th Congress as in the House of Representatives by Representative Carolyn Maloney, a Democrat from New York and the chair of the House Financial Services Committee's Subcommittee on Financial Institutions and Consumer Credit. The bill had passed 312 to 112 but was never given a vote in the Senate. In the 111th United States Congress, the bill was reintroduced as and on April 30, 2009, the House pass ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Truth In Lending Act
The Truth in Lending Act (TILA) of 1968 is a United States federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed. TILA also gives consumers the right to cancel certain credit transactions that involve a lien on a consumer's principal dwelling, regulates certain credit card practices, and provides a means for fair and timely resolution of credit billing disputes. With the exception of certain high-cost mortgage loans, TILA does not regulate the charges that may be imposed for consumer credit. Rather, it requires uniform or standardized disclosure of costs and charges so that consumers can shop. It also imposes limitations on home equity plans that are subject to the requirements of and certain "higher-priced" mortgage loans (HPMLs) that are subject to the requirements of . The regulation prohibits certain acts or practice ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
United States House Financial Services Subcommittee On Financial Institutions And Consumer Credit
The United States House Financial Services Subcommittee on Consumer Protection and Financial Institutions is a subcommittee of the House Committee on Financial Services. Jurisdiction The subcommittee oversees all financial regulators, such as the Federal Deposit Insurance Corporation and the Federal Reserve, all matters pertaining to consumer credit including the Consumer Credit Protection Act The Consumer Credit Protection Act (CCPA) is a United States law , composed of several titles relating to consumer credit, mainly title I, the Truth in Lending Act, title II related to extortionate credit transactions, title III related to restrict ... and access to financial services, as well as the safety and soundness of the banking system. Members, 117th Congress Historical membership rosters 115th Congress 116th Congress External linksOfficial page FinServ Consumer Protection {{US-Congress-stub ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
CardHub
WalletHub (formerly CardHub.com) is a personal finance website that was launched in August 2013. It is based in Miami and owned by Evolution Finance, Inc. WalletHub offers free consumer tools, such as its WalletLiteracy Quiz and its Financial Fitness Tool, which provides users with credit reports, scores and monitoring. The company also successfully overcame a public trademark dispute with Major League Baseball, brought on behalf of the Washington Nationals and Chicago Cubs. History According to Web reports, WalletHub initially positioned itself as a “personal finance social network” with a focus on reviews for financial advisors. The company also produces research reports, including a quarterly credit card debt report and reports comparing cities and states in financially relevant categories. For example, in mid-November 2021, a weekly New York Times feature used Wallethub's' data for what The New York Times, the Times headlined "The Best and Worst Cities For Celebrating ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
United States Consumer Financial Protection Bureau
The Consumer Financial Protection Bureau (CFPB) is an agency of the United States government responsible for consumer protection in the financial sector. CFPB's jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services, debt collectors, and other financial companies operating in the United States. Since its founding, the CFPB has used technology tools to monitor how financial entities used social media and algorithms to target consumers. The CFPB's creation was authorized by the Dodd–Frank Wall Street Reform and Consumer Protection Act, whose passage in 2010 was a legislative response to the financial crisis of 2007–08 and the subsequent Great Recession. The CFPB's status as an independent agency has been subject to many challenges in court. In June 2020, the United States Supreme Court found the single-director structure removable only with-cause unconstitutional but allowed the agency to remain i ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Elizabeth Warren Keynote Speech Feb 22 2011 On CARD Act
Elizabeth or Elisabeth may refer to: People * Elizabeth (given name), a female given name (including people with that name) * Elizabeth (biblical figure), mother of John the Baptist Ships * HMS ''Elizabeth'', several ships * ''Elisabeth'' (schooner), several ships * ''Elizabeth'' (freighter), an American freighter that was wrecked off New York harbor in 1850; see Places Australia * City of Elizabeth ** Elizabeth, South Australia * Elizabeth Reef, a coral reef in the Tasman Sea United States * Elizabeth, Arkansas * Elizabeth, Colorado * Elizabeth, Georgia * Elizabeth, Illinois * Elizabeth, Indiana * Hopkinsville, Kentucky, originally known as Elizabeth * Elizabeth, Louisiana * Elizabeth Islands, Massachusetts * Elizabeth, Minnesota * Elizabeth, New Jersey, largest city with the name in the U.S. * Elizabeth City, North Carolina * Elizabeth (Charlotte neighborhood), North Carolina * Elizabeth, Pennsylvania * Elizabeth Township, Pennsylvania (other) * Elizabeth, ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Gun Control
Gun control, or firearms regulation, is the set of laws or policies that regulate the manufacture, sale, transfer, possession, modification, or use of firearms by civilians. Most countries have a restrictive firearm guiding policy, with only a few legislations being categorized as permissive. Jurisdictions that regulate access to firearms typically restrict access to only certain categories of firearms and then to restrict the categories of persons who will be granted a license to have access to a firearm. In some countries, such as the United States, gun control may be legislated at either a federal level or a local state level. Terminology and context Gun control refers to domestic regulation of firearm manufacture, trade, possession, use, and transport, specifically with regard to the class of weapons referred to as small arms ( revolvers and self-loading pistols, rifles, and carbines, assault rifles, submachine guns, and light machine guns). Usage of the term '' ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
George W
George Walker Bush (born July 6, 1946) is an American politician who served as the 43rd president of the United States from 2001 to 2009. A member of the Republican Party, Bush family, and son of the 41st president George H. W. Bush, he previously served as the 46th governor of Texas from 1995 to 2000. While in his twenties, Bush flew warplanes in the Texas Air National Guard. After graduating from Harvard Business School in 1975, he worked in the oil industry. In 1978, Bush unsuccessfully ran for the House of Representatives. He later co-owned the Texas Rangers of Major League Baseball before he was elected governor of Texas in 1994. As governor, Bush successfully sponsored legislation for tort reform, increased education funding, set higher standards for schools, and reformed the criminal justice system. He also helped make Texas the leading producer of wind powered electricity in the nation. In the 2000 presidential election, Bush defeated Democratic incum ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
National Wildlife Refuge System
National Wildlife Refuge System is a designation for certain protected areas of the United States managed by the United States Fish and Wildlife Service. The National Wildlife Refuge System is the system of public lands and waters set aside to conserve America's fish, wildlife, and plants. Since President Theodore Roosevelt designated Florida's Pelican Island National Wildlife Refuge as the first wildlife refuge in 1903, the system has grown to over 568 national wildlife refuges and 38 wetland management districts encompassing more than . Background The mission of the refuge system is "To administer a national network of lands and waters for the conservation, management, and where appropriate, restoration of fish, wildlife, and plant resources and their habitats within the United States for the benefit of the present and future generations of Americans" (National Wildlife Refuge System Improvement Act of 1997). The system maintains the biological integrity, diversity, and envir ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
National Park System
The National Park Service (NPS) is an agency of the United States federal government within the U.S. Department of the Interior that manages all national parks, most national monuments, and other natural, historical, and recreational properties with various title designations. The U.S. Congress created the agency on August 25, 1916, through the National Park Service Organic Act. It is headquartered in Washington, D.C., within the main headquarters of the Department of the Interior. The NPS employs approximately 20,000 people in 423 individual units covering over 85 million acres in all 50 states, the District of Columbia, and US territories. As of 2019, they had more than 279,000 volunteers. The agency is charged with a dual role of preserving the ecological and historical integrity of the places entrusted to its management while also making them available and accessible for public use and enjoyment. History Yellowstone National Park was created as the first national park ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
United States Secretary Of The Interior
The United States secretary of the interior is the head of the United States Department of the Interior. The secretary and the Department of the Interior are responsible for the management and conservation of most federal land along with natural resources, leading such agencies as the Bureau of Land Management, the United States Geological Survey, Bureau of Indian Affairs and the National Park Service. The secretary also serves on and appoints the private citizens on the National Park Foundation Board. The secretary is a member of the United States Cabinet and reports to the president of the United States. The function of the U.S. Department of the Interior is different from that of the interior minister designated in many other countries. As the policies and activities of the Department of the Interior and many of its agencies have a substantial impact in the Western United States, the secretary of the interior has typically come from a western state; only one secretary since 1 ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Rider (legislation)
In legislative procedure, a rider is an additional provision added to a bill or other measure under the consideration by a legislature, having little connection with the subject matter of the bill. Some scholars identify riders as a specific form of logrolling,Philip L. Dubois, ''Lawmaking by Initiative: Issues, Options and Comparisons'' (Algora, 1998), p. 126. or as implicit logrolling. Others distinguish riders from logrolling.Michael D. GilbertSingle Subject Rules and the Legislative Process 67 ''University of Pittsburgh Law Review'' 803. Adding riders to legislation is not permitted in legislatures bound by a single-subject rule. United States Federal legislation In the U.S. Congress, riders have been a traditional method for members of Congress to advance controversial measures without building coalitions specifically in support of them, allowing the measure to move through the legislative process: "By combining measures, the legislative leadership can force members to acc ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Tom Coburn
Thomas Allen Coburn (March 14, 1948 – March 28, 2020) was an American politician and physician who served as a United States senator for Oklahoma from 2005, until his resignation in 2015. A Republican, he previously served as a United States representative. Coburn was elected to the United States House of Representatives in 1994 as part of the Republican Revolution. He upheld his campaign pledge to serve no more than three consecutive terms and did not run for re-election in 2000. In 2004, he returned to political life with a successful run for the United States Senate. Coburn was re-elected to a second term in 2010 and kept his pledge not to seek a third term in 2016. In January 2014, Coburn announced he would resign before the expiration of his final term due to a recurrence of prostate cancer. He submitted a letter of resignation to Oklahoma Governor Mary Fallin, effective at the end of the 113th Congress. Coburn was a fiscal and social conservative, known for his o ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
