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United States · Bill · HR

H.R. 3492 (109th)

Consumer Credit Card Protection Act of 2005

referredUnited States· United States Congress· EN

Introduced

27 July 2005

Last action

24 August 2005 · Referred

Status

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

Sponsors

Sen. Sanders, Bernard [I-VT], Rep. Frank, Barney [D-MA-4], Rep. McCarthy, Carolyn [D-NY-4], Rep. Lee, Barbara [D-CA-12], Rep. Kucinich, Dennis J. [D-OH-10], Rep. Hastings, Alcee L. [D-FL-20], Rep. Berman, Howard L. [D-CA-28], Rep. Moore, Gwen [D-WI-4], Rep. Gutierrez, Luis V. [D-IL-4], Rep. Schakowsky, Janice D. [D-IL-9], Rep. McDermott, Jim [D-WA-7], Rep. Blumenauer, Earl [D-OR-3], Rep. Grijalva, Raúl M. [D-AZ-7], Rep. Miller, George [D-CA-11], Rep. Cummings, Elijah E. [D-MD-7], Rep. Filner, Bob [D-CA-51], Rep. DeLauro, Rosa L. [D-CT-3], Rep. Lewis, John [D-GA-5], Rep. Waxman, Henry A. [D-CA-33], Sen. Udall, Tom [D-NM], Rep. Stark, Fortney Pete [D-CA-13], Sen. Markey, Edward J. [D-MA], Rep. Tierney, John F. [D-MA-6], Rep. Napolitano, Grace F. [D-CA-32], Rep. Woolsey, Lynn C. [D-CA-6], Rep. Eshoo, Anna G. [D-CA-18], Rep. Andrews, Robert E. [D-NJ-1], Rep. Abercrombie, Neil [D-HI-1], Rep. Kilpatrick, Carolyn C. [D-MI-13], Rep. Allen, Thomas H. [D-ME-1], Rep. Watson, Diane E. [D-CA-33], Rep. Pascrell, Bill, Jr. [D-NJ-9], Rep. Nadler, Jerrold [D-NY-12]

Subjects

Discovery layer

Source updated

15 August 2025

Official sourceDownload fileView documentsShare

Summary

Consumer Credit Card Protection Act of 2005 - Amends the Truth in Lending Act to prohibit a creditor from using adverse information concerning a consumer as the basis for increasing any annual percentage rate of interest applicable to a credit card account of the consumer under an open end consumer credit plan, or to remove or increase any introductory annual percentage rate of interest applicable to such account, for reasons other than actions or omissions of the consumer that are directly related to such account (universal default). Expands mandatory disclosures governing an open end consumer credit plan to include clear and conspicuous minimum payment terms with respect to the outstanding balance on the account, including prescribed details expressed in tabular format and in close proximity. Requires a creditor to furnish advance notice as a prerequisite to increasing rates or imposing fees on a consumer credit card account.

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

Timeline

  1. 27 July 2005

    Introduced

    Referred to the House Committee on Financial Services.

    Source: IntroReferral

  2. 27 July 2005

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 27 July 2005

    Introduced

    Introduced in House

    Source: IntroReferral

  4. 24 August 2005

    Referred

    Referred to the Subcommittee on Financial Institutions and Consumer Credit.

    Source: Committee

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 · 27 July 2005

    ViewDownloadOpen at official source

  • Introduced in House (PDF)

    Introduced in House · EN · 27 July 2005

    ViewDownloadOpen at official source

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  • Introduced in House

    summary · EN · 27 July 2005

    Open at official source

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Sponsors

Related records

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Sources

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