Universal Default Prohibition Act of 2009

referredUnited States· United States Congress· EN

Introduced

9 February 2009

Last action

9 February 2009 · Introduced

Status

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

Summary

Universal Default Prohibition Act of 2009 - 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 (APR) for a credit card account of the consumer's under an open end consumer credit plan; or (2) removing or increasing any introductory APR 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

9 February 2009
Introduced
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Source: IntroReferral
9 February 2009
Introduced
Introduced in Senate
Source: IntroReferral

Votes

No vote records are attached yet.

Versions

Introduced in Senate · 9 February 2009 · Download file

Documents

3 official files

Introduced in Senate (text)

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Introduced in Senate (text)
Introduced in Senate · EN · 9 February 2009
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Introduced in Senate (PDF)
Introduced in Senate · EN · 9 February 2009
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Introduced in Senate
summary · EN · 9 February 2009
Open at official source
Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Vertaal naar
Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

Related records

related to → Universal Default Prohibition Act of 2009

Sources

PoliticalRepo is an index and interpretation layer, not the authoritative legal source.

Official source: https://www.congress.gov/bill/111th-congress/senate-bill/399
Open data entity: https://api.congress.gov/v3/bill/111/s/399
us · 111-s-399 · source updated 5 December 2025