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United States · Bill · HR

H.R. 2146 (110th)

Universal Default Prohibition Act of 2007

referredUnited States· United States Congress· EN

Introduced

3 May 2007

Last action

3 May 2007 · Introduced

Status

Referred to the House Committee on Financial Services.

Sponsors

Rep. Ellison, Keith [D-MN-5], Rep. Brown, Corrine [D-FL-5], Rep. Clay, Wm. Lacy [D-MO-1], Rep. Cleaver, Emanuel [D-MO-5], Rep. Green, Al [D-TX-9], Rep. Hodes, Paul W. [D-NH-2], Rep. Honda, Michael M. [D-CA-15], Rep. McCollum, Betty [D-MN-4], Rep. Oberstar, James L. [D-MN-8], Rep. Perlmutter, Ed [D-CO-7], Rep. Walz, Timothy J. [D-MN-1], Rep. Waters, Maxine [D-CA-43], Rep. Woolsey, Lynn C. [D-CA-6], Rep. Shea-Porter, Carol [D-NH-1], Rep. Schakowsky, Janice D. [D-IL-9], Rep. Doggett, Lloyd [D-TX-37], Rep. Clarke, Yvette D. [D-NY-9], Rep. McDermott, Jim [D-WA-7], Rep. Carson, Julia [D-IN-7], Rep. Kaptur, Marcy [D-OH-9], Rep. Wynn, Albert Russell [D-MD-4], Rep. Bishop, Sanford D. [D-GA-2], Rep. Johnson, Eddie Bernice [D-TX-30], Rep. Kilpatrick, Carolyn C. [D-MI-13], Rep. Filner, Bob [D-CA-51], Rep. Scott, Robert C. "Bobby" [D-VA-3], Rep. Meeks, Gregory W. [D-NY-5], Rep. Peterson, Collin C. [D-MN-7], Rep. Hinchey, Maurice D. [D-NY-22]

Subjects

Discovery layer

Source updated

5 December 2025

Official sourceDownload fileView documentsShare

Summary

Universal Default Prohibition Act of 2007 - Amends the Truth in Lending Act to prohibit a creditor from: (1) using any adverse information concerning any consumer, including any in a consumer report or any change in the consumer's credit score, as the basis for increasing any annual percentage rate of interest for a credit card account of the consumer's under an open end consumer credit plan; or (2) removing or increasing any introductory annual percentage rate of interest for that account, for reasons other than actions or omissions of the consumer directly related to the account. Requires such limitation on the use of adverse information to be clearly and conspicuously described to the consumer by the credit card issuer.

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

Timeline

  1. 3 May 2007

    Introduced

    Referred to the House Committee on Financial Services.

    Source: IntroReferral

  2. 3 May 2007

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 3 May 2007

    Introduced

    Introduced in House

    Source: IntroReferral

Votes

No vote records are attached yet.

Versions

Documents

3 official files

Introduced in House (text)

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  • Introduced in House (text)

    Introduced in House · EN · 3 May 2007

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  • Introduced in House (PDF)

    Introduced in House · EN · 3 May 2007

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  • Introduced in House

    summary · EN · 3 May 2007

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Sponsors

Related records

Sources

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