TAILIEUCHUNG - How Credit Card Companies Ensnare Consumers

It is not surprising that fundamental tensions in the design of the safety net emerge at different points in the program’s history, given the EITC’s status as the largest cash or near-cash antipoverty program. 3 In the mid- 1960s and early 1970s there was a great deal of discussion about the ap- propriate design of antipoverty policy. At the risk of oversimplifying, one part of the policy debate focused on either direct earnings subsidies (of which the EITC is one) or on subsidies paid to employers to hire disad | How Credit Card Companies Ensnare Consumers September 2007 Acknowledgments The primary author of The Arbitration Trap How Credit Card Companies Ensnare Consumers is John O Donnell a Senior Researcher in Public Citizen s Congress Watch division. Congress Watch Director Laura MacCleery and Congress Watch Research Director Taylor Lincoln edited the report. Congress Watch Senior Researcher Alexander Cohen made significant contributions by converting the National Arbitration Forum s reports on its consumer arbitrations in California into a spread sheet and by assisting with analysis of the data. Congress Watch Civil Justice Legislative Counsel Linda Andros and Congress Watch Field and Outreach Director Angela Canterbury provided substantial guidance. Public Citizen would like to thank F. Paul Bland Jr. Staff Attorney at Public Justice Ira Rheingold Executive Director of the National Association of Consumer Advocates Elizabeth Warren Leo Gottlieb Professor of Law at Harvard Law School and Ed Mierzwinski Federal Consumer Program Director at PIRG for their input and advice. About Public Citizen Public Citizen is a non-profit organization with 100 000 members based in Washington . We represent consumer interests through lobbying litigation research and public education. Founded in 1971 Public Citizen fights for consumer rights in the marketplace safe and affordable health care campaign finance reform fair trade clean and safe energy sources and corporate and government accountability. Public Citizen has six program divisions and is active in every branch of government Congress the courts and governmental agencies. Congress Watch is one of the six divisions. Qtizen Public Citizen s Congress Watch 215 Pennsylvania Ave. . Washington . 20003 P 202-588-1000 F 202-547-7392 http 2007 Public Citizen. All rights reserved. Call Public Citizen s Publication Office 1-800-289-3787 for additional orders. The publication number is B9915. A mailed copy is 10. .

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