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United States · Bill · HR

H.R. 1276 (106th)

Credit Card Consumer Protection Act of 1999

referredUnited States· United States Congress· EN

Introduced

24 March 1999

Last action

16 April 1999 · Referred

Status

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

Sponsors

Rep. Roybal-Allard, Lucille [D-CA-40], Rep. Luther, Bill [D-MN-6], Rep. Shows, Ronnie [D-MS-4], Rep. Green, Gene [D-TX-29], Rep. Pastor, Ed [D-AZ-4], Rep. Brown, George E., Jr. [D-CA-42], Rep. Lee, Barbara [D-CA-12], Rep. Stark, Fortney Pete [D-CA-13], Rep. Davis, Danny K. [D-IL-7], Rep. Filner, Bob [D-CA-51], Rep. Dixon, Julian C. [D-CA-32], Rep. Olver, John W. [D-MA-1], Rep. Miller, George [D-CA-11], Rep. Hinchey, Maurice D. [D-NY-22], Rep. Woolsey, Lynn C. [D-CA-6], Rep. Jackson Lee, Sheila [D-TX-18], Rep. Conyers, John, Jr. [D-MI-13], Rep. Rivers, Lynn N. [D-MI-13], Rep. Rush, Bobby L. [D-IL-1], Del. Christensen, Donna M. [D-VI-At Large], ROBERT BRADY, Rep. Millender-McDonald, Juanita [D-CA-37], Rep. Kucinich, Dennis J. [D-OH-10], Rep. Waxman, Henry A. [D-CA-33], Rep. Thompson, Bennie G. [D-MS-2], Rep. Deal, Nathan [R-GA-9]

Subjects

Discovery layer

Source updated

20 August 2025

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Summary

Credit Card Consumer Protection Act of 1999- Amends the Truth in Lending Act to: (1) prohibit fee assessment against a credit card account under an open-end consumer credit plan solely on the basis of on-time payments; (2) require advance notice of any interest rate increase for a credit card account, and of the consumer's right to cancel such account before the effective date of that increase; and (3) prohibit post-cancellation increases in interest rates and fees on the outstanding balance of any canceled cards. Mandates disclosure to a credit card account holder of the fees and interest rates imposed upon credit advances through the use of third party checks. Proscribes over-the-limit fees in creditor-approved transactions, and two-cycle billing. Prescribes additional notice requirements governing: (1) introductory rates to identify the fixed and variable interest rate which will apply following the introductory period; (2) last payment date and payment processing date before imposition of late fees; and (3) the period of time required to pay off the outstanding balance if only the minimum payment is forwarded.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

  1. 24 March 1999

    Introduced

    Referred to the House Committee on Banking and Financial Services.

    Source: IntroReferral

  2. 24 March 1999

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 24 March 1999

    Introduced

    Introduced in House

    Source: IntroReferral

  4. 16 April 1999

    Referred

    Referred to the Subcommittee on Financial Institutions and Consumer Credit.

    Source: Committee

Votes

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Versions

Documents

3 official files

Introduced in House (text)

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  • Introduced in House (text)

    Introduced in House · EN · 24 March 1999

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  • Introduced in House (PDF)

    Introduced in House · EN · 24 March 1999

    ViewDownloadOpen at official source

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  • Introduced in House

    summary · EN · 24 March 1999

    Open at official source

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Sponsors

Related records

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Sources

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