What US Credit Card Accountability Responsibility and Disclosure Act of 2009 (Public Law 111-24) - Consumer Credit Card Protections requires
The Credit Card Accountability Responsibility and Disclosure Act of 2009 amended the Truth in Lending Act to limit retroactive interest rate increases on existing balances, require 45 days advance written notice of significant changes to account terms, restrict over-the-limit fees absent consumer opt-in, prohibit issuing credit cards to consumers under 21 without a cosigner or proof of independent ability to repay, require minimum 21-day payment due windows, restrict late fees to reasonable and proportional amounts, mandate review of recently increased rates every six months, and impose enhanced disclosures on monthly statements including time to repay illustrations.
Pillar: Banking & Global Finance · Authority: United States Congress (Government Publishing Office) · Version: 1.0.0 · Last updated:
Primary source: https://www.govinfo.gov/content/pkg/PLAW-111publ24/html/PLAW-111publ24.htm
SHA-256 integrity: 24f6ab718b4fc10f6f425841204362af00425d0fe5e578d834e586c623154567
Primary Citations — 8 traced to source
- Public Law 111-24 Credit Card Accountability Responsibility and Disclosure Act enacted May 22, 2009 https://www.govinfo.gov/app/details/PLAW-111publ24
- United States Government Publishing Office enrolled text https://www.govinfo.gov/content/pkg/PLAW-111publ24/pdf/PLAW-111publ24.pdf
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