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Error processing SSI file

2009-S414 on Feb 11, 2009


Source: S.414 & H.R.627
    Credit Card Accountability Responsibility and Disclosure Act of 2009 or the Credit CARD Act of 2009:
  • Tile I: Amends the Truth in Lending Act to require advance notice of any increase in the annual percentage rate of interest (APR) pertaining to a credit card account under an open end consumer credit plan.
  • Imposes a freeze on interest rate terms and fees on canceled cards.
  • Sets limits on fees and interest charges, including a prohibition against penalties for on-time payments.
  • Allows imposition of an over-the-limit fee only once during a billing cycle. Prohibits its imposition in a subsequent billing cycle.
  • Requires fees for cardholder agreement violations and currency exchanges to be reasonable.
  • Prohibits a creditor from furnishing information to a consumer reporting agency concerning a newly opened credit card account until the credit card has been used or activated by the consumer.
  • Title II: Enhanced Consumer Disclosures: Requires the creditor to provide a toll-free telephone number at which the consumer may receive information about accessing credit counseling and debt management services.
  • Revises requirements relating to late payment deadlines and penalties.
  • Requires a periodic statement of account to disclose: (1) the date by which a payment must be postmarked, if paid by mail, in order to avoid the imposition of a late payment fee; and (2) any possible resulting increase in interest rates for late payments.
  • Title III: Protection of Young Consumers: Prohibits issuance of a credit card on behalf of a consumer under age 21, unless the consumer has submitted a written application meeting specified requirements.


  • Topic: Budget & Economy
  • Headline: Ban abusive credit practices & enhance consumer disclosure
  • Headline 2: Sponsored bill banning abusive credit & enhancing disclosure

  • Key for participation codes:
  • Sponsorships: p=sponsored; o=co-sponsored; s=signed
  • Memberships: c=chair; m=member; e=endorsed; f=profiled; s=scored
  • Resolutions: i=introduced; w=wrote; a=adopted
  • Cases: w=wrote; j=joined; d=dissented; c=concurred
  • Surveys: '+' supports; '-' opposes.



Democrats participating in 2009-S414

Neil Abercrombie s1sHawaii Democrat (Resigned 2010)
Gary Ackerman s1sNew York Dem./Ind./Lib./Working-Fam.
Daniel Akaka s1sHI Democratic Jr Senator (Retiring)
Michael Arcuri s1sNew York Democrat (until 2010)
Joe Baca s1sCalifornia Democrat
John Barrow s1sGeorgia Democrat
Mark Begich s1sAK Democratic Jr Senator
Howard Berman s1sCalifornia Democrat
Sanford Bishop s1sGeorgia Democrat
Timothy Bishop s1sNew York Democrat
Earl Blumenauer s1sOregon Democrat
John Boccieri s1sOhio Democrat (until 2010)
Leonard Boswell s1sIowa Democrat
Robert Brady s1sPennsylvania Democrat
Bruce Braley s1sIowa Democrat
Sherrod Brown s1sOH Democratic Sr Senator
Michael Capuano s1sMA Former Democratic Primary Senate Challenger (2009)
Russ Carnahan s1sMissouri Democrat
Andre Carson s1sIndiana Democrat
Bob Casey s1sPA Democratic Sr Senator; previously state treasurer
Kathy Castor s1sFlorida Democrat
Ben Chandler s1sKentucky Democrat
Yvette Clarke s1sNew York Democrat
Emmanuel Cleaver s1sMissouri Democrat
Steve Cohen s1sTennessee Democrat
Gerry Connolly s1sVirginia Democrat
Joe Courtney s1sConnecticut Democrat
Elijah Cummings s1sMaryland Democrat
Kathy Dahlkemper s1sPennsylvania Democrat (until 2010)
Danny Davis s1sIllinois Democrat
Lincoln Davis s1sTennessee Democrat (until 2010)
Susan Davis s1sCalifornia Democrat
Peter Defazio s1sOregon Democrat
Bill Delahunt s1sMassachusetts Democrat (until 2010)
Rosa DeLauro s1sConnecticut Democrat
Chris Dodd s2pCT Democratic Sr Senator (retiring 2010)
Lloyd Doggett s1sTexas Democrat
Richard Durbin s1sIL Democratic Sr Senator
Donna Edwards s1sMaryland Democrat
Keith Ellison s1sMinnesota Democrat
Eliot Engel s1sNew York Democrat/Liberal
Anna Eshoo s1sCalifornia Democrat
Bob Filner s1sCalifornia Democrat (Mayoral run 2011)
Barney Frank s1sMassachusetts Democrat (Retiring 2012)
Marcia Fudge s1sOhio Democrat
Gabby Giffords s1sArizona Democrat
Kirsten Gillibrand s1sNew York Democrat
Charles Gonzalez s1sTexas Democrat (Retiring 2012)
Bart Gordon s1sTennessee Democrat (until 2010)
Al Green s1sTexas Democrat
Gene Green s1sTexas Democrat
Raul Grijalva s1sArizona Democrat
Luis Gutierrez s1sIllinois Democrat
John Hall s1sNew York Democrat (until 2010)
Tom Harkin s1sIA Democratic Jr Senator
Jane Harman s1sCalifornia Democrat (Resigned 2011)
Alcee Hastings s1sFlorida Democrat
Brian Higgins s1sNew York Democrat
Maurice Hinchey s1sNew York Dem/Working-Fam.(Retired 2012)
Ruben Hinojosa s1sTexas Democrat
Mazie Hirono s1sHawaii Democrat (Senate run 2012)
Mike Honda s1sCalifornia Democrat
Jay Inslee s1sWashington Democrat (Gov. run 2012)
Steve Israel s1sNew York Democrat
Jesse Louis Jackson s1sIllinois Democrat
Sheila Jackson Lee s1sTexas Democrat
Hank Johnson s1sGeorgia Democrat
Paul Kanjorski s1sPennsylvania Democrat (until 2010)
Patrick Kennedy s1sRhode Island Democrat (until 2010)
John Kerry s1sMA Democratic Sr Senator
Mary Jo Kilroy s1sOhio Democrat (until 2010)
Larry Kissell s1sNorth Carolina Democrat
Herbert Kohl s1sWI Democratic Sr Senator (Retiring)
Frank Kratovil s1sMaryland Democrat (until 2010)
James Langevin s1sRhode Island Democrat
John Larson s1sConnecticut Democrat
Frank Lautenberg s1sNJ Democratic Sr Senator
Patrick Leahy s1sVT Democratic Sr Senator
Barbara Lee s1sCalifornia Democrat
Carl Levin s1sMI Democratic Sr Senator
Sander Levin s1sMichigan Democrat
John Lewis s1sGeorgia Democrat
Dan Lipinski s1sIllinois Democrat
David Loebsack s1sIowa Democrat
Zoe Lofgren s1sCalifornia Democrat
Nita Lowey s1sNew York Democrat
Ben Ray Lujan s1sNew Mexico Democrat
Steve Lynch s1sMassachusetts Democrat
Dan Maffei s1sNew York Democrat (Unseated 2010)
Carolyn Maloney s2pNew York Democrat/Liberal
Betsy Markey s1sColorado Former Democrat (until 2010)
Ed Markey s1sMassachusetts Democrat
Eric Massa s1sNew York Democrat (until 2010)
Doris Matsui s1sCalifornia Democrat
Claire McCaskill s1sMO Democratic Sr Senator; previously state Auditor
Jim McGovern s1sMassachusetts Democrat
Jerry McNerney s1sCalifornia Democrat
Robert Menendez s1sNew Jersey Democrat
Jeff Merkley s1sOR Democratic Jr Senator
Brad Miller s1sNorth Carolina Democrat (Retiring 2012)
George Miller s1sCalifornia Democrat
Harry Mitchell s1sArizona Former Democrat (until 2010)
James Moran s1sVirginia Democrat
Patrick Murphy s1sPennsylvania Democrat (until 2010)
Jerrold Nadler s1sNew York Dem./Lib./Working-Families
Eleanor Holmes Norton s1sDistrict of Columbia Democrat
Glenn Nye s1sVirginia Democrat (until 2010)
David Obey s1sWisconsin Democrat (until 2010)
John Olver s1sMassachusetts Democrat (Retiring 2012)
Bill Pascrell s1sNew Jersey Democrat
Gary Peters s1sMichigan Democrat
Chellie Pingree s1sMaine Democrat
Mike Quigley s1sIllinois Democrat
Nick Rahall s1sWest Virginia Democrat
Jack Reed s1sRI Democratic Sr Senator
Jan Schakowsky s1sIllinois Democrat
Mark Schauer s1sMichigan Democrat (until 2010)
Adam Schiff s1sCalifornia Democrat
Charles Schumer s1sNY Democratic Sr Senator
Jose Serrano s1sNew York Democrat/Liberal
Carol Shea-Porter s1sNew Hampshire Democrat (until 2010)
Brad Sherman s1sCalifornia Democrat
Albio Sires s1sNew Jersey Democrat
Jackie Speier s1sCalifornia Democrat
Pete Stark s1sCalifornia Democrat
Bart Stupak s1sMichigan Democrat (until 2010)
Betty Sutton s1sOhio Democrat
Gene Taylor s1sMississippi Democrat (until 2010)
Harry Teague s1sNew Mexico Democrat (until 2010)
Jon Tester s1sMT Democratic Jr Senator
John Tierney s1sMassachusetts Democrat
Dina Titus s1sNevada Democrat (until 2010)
Paul Tonko s1sNew York Democrat
Niki Tsongas s1sMassachusetts Democrat
Mark Udall s1sCO Democratic Sr Senator; previously Representative
Chris Van Hollen s1sMaryland Democrat
Peter Visclosky s1sIndiana Democrat
Tim Walz s1sMinnesota Democrat
Maxine Waters s1sCalifornia Democrat
Mel Watt s1sNorth Carolina Democrat
Henry Waxman s1sCalifornia Democrat
Anthony Weiner s1sNew York Democrat (Resigned 2011)
Peter Welch s1sVermont Democrat
Sheldon Whitehouse s1sRI Democratic Jr Senator, previously attorney general
Lynn Woolsey s1sCalifornia Democrat (Retiring 2012)
David Wu s1sOregon Democrat (Resigned 2011)
John Yarmuth s1sKentucky Democrat



Republicans participating in 2009-S414

Walter Beaman Jones s1sNorth Carolina Republican



Independents participating in 2009-S414

Bernie Sanders s1sVermont Independent



Total recorded by OnTheIssues:

Democrats: 147
Republicans: 1
Independents: 1


















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