TAILIEUCHUNG - Begun and held at the City of Washington on Tuesday, the sixth day of January, two thousand and nine

The following pages are devoted to a statistical analysis of the principal factors affecting credit risk. The information on which the study is based was obtained from a sample of 2,765 applications of persons to whom loans were granted. The data, secured through the cooperation of 21 large banks operating personal loan departments in 16 cities situated in ii states,1 are presented in a series of tables giving the distri- butions of good and of bad loans according to the several risk factors selected. The information covering this group of bor- rowers pertains only to their financial, personal and voca- tional characteristics. . | AUTHENTICATED . GOVERNMENT INFORMATION s GPO One Hundred Eleventh Congress of the United States of America AT THE FIRST SESSION Begun and held at the City of Washington on Tuesday the sixth day of January two thousand and nine An Act 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. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled SECTION 1. SHORT TITLE TABLE OF CONTENTS. a Short Title. This Act may be cited as the Credit Card Accountability Responsibility and Disclosure Act of 2009 or the Credit card Actof 2009 . b Table of Contents. The table of contents for this Act is as follows Sec. 1. Short title table of contents. Sec. 2. Regulatory authority. Sec. 3. Effective date. TITLE I CONSUMER PROTECTION Sec. 101. Protection of credit cardholders. Sec. 102. Limits on fees and interest charges. Sec. 103. Use of terms clarified. Sec. 104. Application of card payments. Sec. 105. Standards applicable to initial issuance of subprime or fee harvester cards. Sec. 106. Rules regarding periodic statements. Sec. 107. Enhanced penalties. Sec. 108. Clerical amendments. Sec. 109. Consideration of Ability to repay. TITLE II ENHANCED CONSUMER DISCLOSURES Sec. 201. payoff timing disclosures. Sec. 202. Requirements relating to late payment deadlines and penalties. Sec. 203. Renewal disclosures. Sec. 204. Internet posting of credit card agreements. Sec. 205. Prevention of deceptive marketing of credit reports. TITLE III PROTECTION OF YOUNG CONSUMERS Sec. 301. Extensions of credit to underage consumers. Sec. 302. Protection of young consumers from prescreened credit offers. Sec. 303. Issuance of credit cards to certain college students. Sec. 304. Privacy Protections for college students. Sec. 305. College Credit Card Agreements. TITLE IV GIFT CARDS Sec. 401. General-use prepaid cards gift .

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