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United States · Bill · HR

H.R. 3639 (111th)

Expedited CARD Reform for Consumers Act of 2009

referredUnited States· United States Congress· EN

Introduced

24 September 2009

Last action

23 December 2009 · Introduced

Status

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Sponsors

Rep. Maloney, Carolyn B. [D-NY-12], Rep. Frank, Barney [D-MA-4], Rep. Schakowsky, Janice D. [D-IL-9], Rep. Sutton, Betty [D-OH-13], Rep. Capuano, Michael E. [D-MA-8], Sen. Hirono, Mazie K. [D-HI], Rep. Tierney, John F. [D-MA-6], Rep. Levin, Sander M. [D-MI-12], Rep. Miller, George [D-CA-11], Rep. Lowey, Nita M. [D-NY-17], Rep. Kanjorski, Paul E. [D-PA-11], Rep. Cummings, Elijah E. [D-MD-7], Rep. Ellison, Keith [D-MN-5], Rep. Maffei, Daniel B. [D-NY-25], Rep. Ackerman, Gary L. [D-NY-5], Rep. Pingree, Chellie [D-ME-1], Rep. Lee, Barbara [D-CA-12], Rep. Markey, Betsy [D-CO-4], Rep. Fudge, Marcia L. [D-OH-11], Rep. Titus, Dina [D-NV-1], Rep. Hodes, Paul W. [D-NH-2], Rep. Baca, Joe [D-CA-43], Rep. Sherman, Brad [D-CA-32], Rep. Kissell, Larry [D-NC-8], Rep. Hall, John J. [D-NY-19], Rep. Lofgren, Zoe [D-CA-18], Rep. Grijalva, Raúl M. [D-AZ-7], Rep. Chu, Judy [D-CA-28], Rep. Matsui, Doris O. [D-CA-7], Rep. McGovern, James P. [D-MA-2], Rep. Waxman, Henry A. [D-CA-33], Rep. Langevin, James R. [D-RI-2], Rep. Olver, John W. [D-MA-1], Rep. Kilroy, Mary Jo [D-OH-15], Rep. Rothman, Steven R. [D-NJ-9], Rep. Meek, Kendrick B. [D-FL-17], Rep. Nadler, Jerrold [D-NY-12], Rep. Murphy, Patrick J. [D-PA-8], Sen. Markey, Edward J. [D-MA]

Subjects

Discovery layer

Source updated

5 December 2025

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Summary

Expedited CARD Reform for Consumers Act of 2009 - Amends the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act of 2009) to move up the effective date of the Act from February 20, 2010, to December 1, 2009. Amends the Truth in Lending Act to move up also to December 1, 2009: (1) the deadline by which the Board of Governors of the Federal Reserve System must issue final implementing rules for required creditor reviews of changes in factors considered in past consumer annual percentage interest rate (APR) increases when determining whether to reduce the APR; and (2) the effective date of the creditor review requirement. Moves up to the same date: (1) the effective date of the requirement that any penalty fee or charge that a credit card issuer may impose, including a late payment fee, over-the-limit fee, or any other penalty fee or charge, be reasonable and proportional to the omission or violation to which it relates; and (2) the deadline for the Board to issue final implementing rules establishing standards for assessing whether any such penalty fee or charge is reasonable and proportional. Amends the Electronic Fund Transfer Act to move up to December 1, 2009, as well the effective dates of the Act's: (1) prohibition against the imposition of a dormancy fee, an inactivity charge or fee, or a service fee with respect to general use prepaid cards, certificates, and store gift cards; and (2) the deadline by which the Board must issue final implementing regulations.

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

Timeline

  1. 24 September 2009

    Introduced

    Referred to the House Committee on Financial Services.

    Source: IntroReferral

  2. 24 September 2009

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 24 September 2009

    Introduced

    Introduced in House

    Source: IntroReferral

  4. 8 October 2009

    Committee

    Committee Hearings Held.

    Source: Committee

  5. 22 October 2009

    Reported

    Ordered to be Reported by Voice Vote.

    Source: Committee

  6. 22 October 2009

    Committee

    Committee Consideration and Mark-up Session Held.

    Source: Committee

  7. 26 October 2009

    Calendars

    Placed on the Union Calendar, Calendar No. 180.

    Source: Calendars

  8. 26 October 2009

    Reported

    Reported (Amended) by the Committee on Financial Services. H. Rept. 111-314.

    Source: Committee

  9. 26 October 2009

    Reported

    Reported (Amended) by the Committee on Financial Services. H. Rept. 111-314.

    Source: Committee

  10. 3 November 2009

    Reported

    Rules Committee Resolution H. Res. 884 Reported to House. Rule provides for consideration of H.R. 3639 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. The rule waives all points of order against consideration of the bill except clauses 9 and 10 of rule XXI. The rule provides that the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill, modified by the amendment printed in part A of the report of the Committee on Rules, shall be considered as adopted and provides that the bill, as amended shall be considered as the original bill for the purpose of further amendment under the five-minute rule.

    Source: Floor

  11. 4 November 2009

    Floor

    House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 884 and Rule XVIII.

    Source: Floor

  12. 4 November 2009

    Passed

    Motion to reconsider laid on the table Agreed to without objection.

    Source: Floor

  13. 4 November 2009

    Vote

    On passage Passed by recorded vote: 331 - 92 (Roll no. 851).

    Source: Floor

  14. 4 November 2009

    Vote

    Passed/agreed to in House: On passage Passed by recorded vote: 331 - 92 (Roll no. 851).

    Source: Floor

  15. 4 November 2009

    Vote

    On motion to recommit with instructions Failed by recorded vote: 171 - 253 (Roll no. 850). (consideration: CR H12322)

    Source: Floor

  16. 4 November 2009

    Floor

    The previous question on the motion to recommit with instructions was ordered without objection. (consideration: CR H12320, H12322)

    Source: Floor

  17. 4 November 2009

    Floor

    Mr. Castle moved to recommit with instructions to Financial Services. (consideration: CR H12320-12322; text: CR H12320-12321)

    Source: Floor

  18. 4 November 2009

    Passed

    The House adopted the amendment as agreed to by the Committee of the Whole House on the state of the Union. (text: CR H12311)

    Source: Floor

  19. 4 November 2009

    Floor

    The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3639.

    Source: Floor

  20. 4 November 2009

    Floor

    Rule provides for consideration of H.R. 3639 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. The rule waives all points of order against consideration of the bill except clauses 9 and 10 of rule XXI. The rule provides that the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill, modified by the amendment printed in part A of the report of the Committee on Rules, shall be considered as adopted and provides that the bill, as amended shall be considered as the original bill for the purpose of further amendment under the five-minute rule.

    Source: Floor

  21. 4 November 2009

    Floor

    The Speaker designated the Honorable Ed Pastor to act as Chairman of the Committee.

    Source: Floor

  22. 4 November 2009

    Floor

    Considered under the provisions of rule H. Res. 884. (consideration: CR H12302-12323)

    Source: Floor

  23. 4 November 2009

    Passed

    Rule H. Res. 884 passed House.

    Source: Floor

  24. 5 November 2009

    Introduced

    Received in the Senate.

    Source: IntroReferral

  25. 23 December 2009

    Introduced

    Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    Source: IntroReferral

Votes

No vote records are attached yet.

Versions

Documents

11 official files

Referred in Senate (text)

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  • Referred in Senate (text)

    Referred in Senate · EN · 23 December 2009

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  • Referred in Senate (PDF)

    Referred in Senate · EN · 23 December 2009

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  • Engrossed in House (text)

    Engrossed in House · EN · 4 November 2009

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  • Engrossed in House (PDF)

    Engrossed in House · EN · 4 November 2009

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  • Passed House amended

    summary · EN · 4 November 2009

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  • Reported in House (text)

    Reported in House · EN · 26 October 2009

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  • Reported in House (PDF)

    Reported in House · EN · 26 October 2009

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  • Reported to House with amendment(s)

    summary · EN · 26 October 2009

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  • Introduced in House (text)

    Introduced in House · EN · 24 September 2009

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  • Introduced in House (PDF)

    Introduced in House · EN · 24 September 2009

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  • Introduced in House

    summary · EN · 24 September 2009

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Sources

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