United States · Law · HR
H.R. 627 (111th)
Credit CARD Act of 2009
Introduced
22 January 2009
Last action
22 May 2009 · President
Status
Became Public Law No: 111-24.
Sponsors
Rep. Maloney, Carolyn B. [D-NY-12], Rep. Frank, Barney [D-MA-4], Rep. Jones, Walter B., Jr. [R-NC-3], Rep. Kanjorski, Paul E. [D-PA-11], Rep. Waters, Maxine [D-CA-43], Rep. Gutierrez, Luis V. [D-IL-4], Rep. Ackerman, Gary L. [D-NY-5], Rep. Capuano, Michael E. [D-MA-8], Rep. Ellison, Keith [D-MN-5], Rep. Davis, Lincoln [D-TN-4], Rep. Cleaver, Emanuel [D-MO-5], Rep. Miller, George [D-CA-11], Rep. Obey, David R. [D-WI-7], Rep. DeFazio, Peter A. [D-OR-4], Rep. Hinojosa, Ruben [D-TX-15], Rep. McGovern, James P. [D-MA-2], Rep. Yarmuth, John A. [D-KY-3], Rep. Olver, John W. [D-MA-1], Rep. Edwards, Donna F. [D-MD-4], Rep. Courtney, Joe [D-CT-2], Rep. DeLauro, Rosa L. [D-CT-3], Rep. Kennedy, Patrick J. [D-RI-1], Rep. Lowey, Nita M. [D-NY-17], ROBERT BRADY, Rep. Chandler, Ben [D-KY-6], Rep. Loebsack, David [D-IA-2], Rep. Pascrell, Bill, Jr. [D-NJ-9], Rep. Bishop, Timothy H. [D-NY-1], Rep. Filner, Bob [D-CA-51], Rep. Carnahan, Russ [D-MO-3], Rep. Weiner, Anthony D. [D-NY-9], Sen. Markey, Edward J. [D-MA], Rep. Grijalva, Raúl M. [D-AZ-7], Rep. Cummings, Elijah E. [D-MD-7], Rep. Schakowsky, Janice D. [D-IL-9], Rep. Green, Gene [D-TX-29], Rep. Moran, James P. [D-VA-8], Rep. Sutton, Betty [D-OH-13], Rep. Hinchey, Maurice D. [D-NY-22], Del. Bordallo, Madeleine Z. [D-GU-At Large], Rep. Lee, Barbara [D-CA-12], Sen. Welch, Peter [D-VT], Rep. Higgins, Brian [D-NY-26], Rep. Lynch, Stephen F. [D-MA-8], Rep. Woolsey, Lynn C. [D-CA-6], Rep. Sherman, Brad [D-CA-32], Rep. Matsui, Doris O. [D-CA-7], Rep. Rahall, Nick J., II [D-WV-3]
Subjects
Discovery layer
Source updated
5 December 2025
Summary
Credit Cardholders' Bill of Rights Act of 2009 - Amends the Truth in Lending Act to prohibit a creditor from increasing any annual percentage rate of interest (APR) applicable to the existing balance on an open end consumer credit card account unless specified conditions are met. Allows a creditor to increase an APR on the existing credit card balance only if the increase is due solely to one of three specified circumstances. Requires a 45-day advance notice of credit card account rate increases. Prohibits imposition of a finance charge, with certain exceptions, upon a credit card account balance that is based on balances for days in billing cycles preceding the most recent billing cycle (double cycle billing). Prohibits the imposition of a fee on an outstanding credit card balance, at the end of a billing period, that is attributable only to interest accrued during the preceding billing period on an outstanding balance fully repaid during that preceding billing period. Requires each periodic statement of account to provide the telephone number, Internet address, and website at which the payoff balance may be requested. Grants a consumer the right to reject a new credit card before the creditor notifies a consumer reporting agency of its corresponding account. Sets forth special rules for accounts with promotional rate balances or deferred interest balances. Prohibits a creditor from denying a cardholder a specified payment grace period if the cardholder takes advantage of a promotional rate balance or deferred interest rate balance. Requires creditors to send a periodic credit card statement of account to the consumer at least 25 calendar days before the due date for the next payment on the outstanding balance. Authorizes a consumer to opt-out of creditor authorization of over-the-limit transactions if fees are imposed. Prohibits imposition of any over-the-limit fee if the credit limit was exceeded due to a credit hold, unless the actual amount of the transaction for which the hold was placed would have resulted in the consumer's exceeding such credit limit. Prescribes the contents of credit card price and availability information which the Board of Governors of the Federal Reserve System (Board) must collect and make public semiannually. Prescribes a standard for the initial issuance of subprime or "fee harvester" cards (accounts requiring first-year fee payments in excess of 25% of the total amount of credit authorized). Prohibits extensions of credit to consumers under age 18, unless they are emancipated under state law.
This text is taken from the official record. PoliticalRepo does not editorialize.
Timeline
22 January 2009
Introduced
Referred to the House Committee on Financial Services.
Source: IntroReferral
22 January 2009
Introduced
Sponsor introductory remarks on measure. (CR E122)
Source: IntroReferral
22 January 2009
Introduced
Introduced in House
Source: IntroReferral
22 January 2009
Introduced
Introduced in House
Source: IntroReferral
19 March 2009
Committee
Subcommittee Hearings Held.
Source: Committee
19 March 2009
Referred
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Source: Committee
1 April 2009
Committee
Subcommittee Consideration and Mark-up Session Held.
Source: Committee
2 April 2009
Committee
Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote .
Source: Committee
2 April 2009
Committee
Subcommittee Consideration and Mark-up Session Held.
Source: Committee
22 April 2009
Vote
Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 19.
Source: Committee
22 April 2009
Committee
Committee Consideration and Mark-up Session Held.
Source: Committee
27 April 2009
Calendars
Placed on the Union Calendar, Calendar No. 41.
Source: Calendars
27 April 2009
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 111-88.
Source: Committee
27 April 2009
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 111-88.
Source: Committee
29 April 2009
Reported
Rules Committee Resolution H. Res. 379 Reported to House. Rule provides for consideration of H.R. 627. 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. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill. All points of order against the committee amendment in the nature of a substitute are waived except those arising under clause 10 of rule XXI.
Source: Floor
29 April 2009
Floor
Committee of the Whole House on the state of the Union rises leaving H.R. 627 as unfinished business.
Source: Floor
29 April 2009
Floor
GENERAL DEBATE - Pursuant to a previous special order, the Committee of the Whole proceeded with one hour of general debate on H.R. 627.
Source: Floor
29 April 2009
Floor
The Speaker designated the Honorable Henry Cuellar to act as Chairman of the Committee.
Source: Floor
29 April 2009
Floor
The House resolved into Committee of the Whole on the state of the Union pursuant to special order.
Source: Floor
29 April 2009
Floor
Considered pursuant to a previous order. (consideration: CR H4960-4969)
Source: Floor
29 April 2009
Floor
Consideration initiated pursuant to a previous order.
Source: Floor
30 April 2009
Introduced
Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 55.
Source: Calendars
30 April 2009
Floor
The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 627.
Source: Floor
30 April 2009
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: Floor
30 April 2009
Vote
On passage Passed by recorded vote: 357 - 70 (Roll no. 228).
Source: Floor
30 April 2009
Vote
Passed/agreed to in House: On passage Passed by recorded vote: 357 - 70 (Roll no. 228).
Source: Floor
30 April 2009
Vote
On motion to recommit with instructions Failed by recorded vote: 164 - 263 (Roll no. 227). (consideration: CR H5041)
Source: Floor
30 April 2009
Floor
The previous question on the motion to recommit with instructions was ordered without objection. (consideration: CR H5040-5041)
Source: Floor
30 April 2009
Floor
Mr. Roskam moved to recommit with instructions to Financial Services. (consideration: CR H5039-5041; text: CR H5039)
Source: Floor
30 April 2009
Passed
The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union. (text: CR H5013-5016)
Source: Floor
30 April 2009
Floor
The previous question was ordered pursuant to the rule. (consideration: CR H5040)
Source: Floor
30 April 2009
Floor
The House rose from the Committee of the Whole House on the state of the Union to report H.R. 627.
Source: Floor
30 April 2009
Floor
FURTHER CONSIDERATION OF H.R. 627 - Pursuant to the provisions of H.Res. 379, the Committee of the Whole resumed consideration of H.R. 627 and the amendments made in order thereto by the rule.
Source: Floor
30 April 2009
Floor
The House resolved into Committee of the Whole House on the state of the Union for further consideration.
Source: Floor
30 April 2009
Floor
Considered as unfinished business. (consideration: CR H5013-5041)
Source: Floor
30 April 2009
Passed
Rule H. Res. 379 passed House.
Source: Floor
6 May 2009
Floor
Motion to proceed to consideration of measure made in Senate. (consideration: CR S5246)
Source: Floor
7 May 2009
Floor
Cloture motion on the motion to proceed to the measure withdrawn by unanimous consent in Senate.
Source: Floor
11 May 2009
Floor
Measure laid before Senate by unanimous consent. (consideration: CR S5313-5321)
Source: Floor
12 May 2009
Floor
Considered by Senate. (consideration: CR S5349-5365)
Source: Floor
13 May 2009
Floor
Considered by Senate. (consideration: CR S5409-5429)
Source: Floor
14 May 2009
Floor
Considered by Senate. (consideration: CR S5468-5494, S5496)
Source: Floor
19 May 2009
Floor
Considered by Senate. (consideration: CR S5570-5581)
Source: Floor
19 May 2009
Vote
Passed/agreed to in Senate: Passed Senate with an amendment by Yea-Nay Vote. 90 - 5. Record Vote Number: 194.(text: CR S5573-5581)
Source: Floor
20 May 2009
Action
Cleared for White House.
20 May 2009
Vote
Resolving differences -- House actions: On motion to agree to all but section 512 of the Senate amendment Agreed to by recorded vote: 361 - 64 (Roll no. 276).
Source: NotUsed
20 May 2009
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: ResolvingDifferences
20 May 2009
Vote
On motion to agree to all but section 512 of the Senate amendment Agreed to by recorded vote: 361 - 64 (Roll no. 276).
Source: ResolvingDifferences
20 May 2009
ResolvingDifferences
The previous question was ordered pursuant to the rule. (consideration: CR H5840)
Source: ResolvingDifferences
20 May 2009
Floor
DEBATE - Puruant to the provisions of H. Res. 456, the House proceeded with one hour of debate on the motion to agree to the Senate amendment to H.R. 627. Pursuant to the provisions of H. Res. 456 and at the conclusion of debate on the motion, the Chair will put the question in divided portions.
Source: Floor
20 May 2009
Passed
Mr. Frank (MA) moved that the House agree to the Senate amendment. (consideration: CR H5823-5841; text as House agreed to Senate amendment: CR H5824-5832)
Source: ResolvingDifferences
21 May 2009
Floor
Presented to President.
Source: Floor
21 May 2009
President
Presented to President.
Source: President
22 May 2009
Became law
Became Public Law No: 111-24.
Source: President
22 May 2009
Became law
Signed by President.
Source: BecameLaw
22 May 2009
President
Signed by President.
Source: President
Votes
19 May 2009 · Bill Passed · On Passage of the Bill H.R. 627 · Bill Passed · Official source
Yes 90 · No 5 · Abstain — · Absent/not voting 4
- Sen. Klobuchar, Amy [D-MN]Yea
- Sen. Specter, Arlen [R-PA]Yea
- Sen. Boxer, Barbara [D-CA]Yea
- Sen. Mikulski, Barbara A. [D-MD]Yea
Showing the first 4 recorded positions. Vote totals above are complete.
Versions
- Enrolled Bill · — · Download file
- Public Law · 22 May 2009 · Download file
- Engrossed Amendment Senate · 19 May 2009 · Download file
- Placed on Calendar Senate · 30 April 2009 · Download file
- Engrossed in House · 30 April 2009 · Download file
- Reported in House · 27 April 2009 · Download file
- Introduced in House · 22 January 2009 · Download file
Documents
19 official files
Enrolled Bill (text)
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Enrolled Bill (text)
Enrolled Bill · EN
Enrolled Bill (PDF)
Enrolled Bill · EN
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Public Law (text)
Public Law · EN · 22 May 2009
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Public Law (PDF)
Public Law · EN · 22 May 2009
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Public Law
summary · EN · 22 May 2009
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Engrossed Amendment Senate (text)
Engrossed Amendment Senate · EN · 19 May 2009
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Engrossed Amendment Senate (PDF)
Engrossed Amendment Senate · EN · 19 May 2009
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Passed Senate amended
summary · EN · 19 May 2009
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Placed on Calendar Senate (text)
Placed on Calendar Senate · EN · 30 April 2009
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Placed on Calendar Senate (PDF)
Placed on Calendar Senate · EN · 30 April 2009
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Engrossed in House (text)
Engrossed in House · EN · 30 April 2009
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Engrossed in House (PDF)
Engrossed in House · EN · 30 April 2009
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Passed House amended
summary · EN · 30 April 2009
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Reported in House (text)
Reported in House · EN · 27 April 2009
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Reported in House (PDF)
Reported in House · EN · 27 April 2009
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Reported to House with amendment(s)
summary · EN · 27 April 2009
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Introduced in House (text)
Introduced in House · EN · 22 January 2009
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Introduced in House (PDF)
Introduced in House · EN · 22 January 2009
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Introduced in House
summary · EN · 22 January 2009
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Sponsors
- Rep. Maloney, Carolyn B. [D-NY-12] · D · Sponsor
- Rep. Frank, Barney [D-MA-4] · D · Sponsor
- Rep. Jones, Walter B., Jr. [R-NC-3] · R · Sponsor
- Rep. Kanjorski, Paul E. [D-PA-11] · D · Sponsor
- Rep. Waters, Maxine [D-CA-43] · D · Sponsor
- Rep. Gutierrez, Luis V. [D-IL-4] · D · Sponsor
- Rep. Ackerman, Gary L. [D-NY-5] · D · Sponsor
- Rep. Capuano, Michael E. [D-MA-8] · D · Sponsor
- Rep. Ellison, Keith [D-MN-5] · D · Sponsor
- Rep. Davis, Lincoln [D-TN-4] · D · Sponsor
- Rep. Cleaver, Emanuel [D-MO-5] · D · Sponsor
- Rep. Miller, George [D-CA-11] · D · Sponsor
- Rep. Obey, David R. [D-WI-7] · D · Sponsor
- Rep. DeFazio, Peter A. [D-OR-4] · D · Sponsor
- Rep. Hinojosa, Ruben [D-TX-15] · D · Sponsor
- Rep. McGovern, James P. [D-MA-2] · D · Sponsor
- Rep. Yarmuth, John A. [D-KY-3] · D · Sponsor
- Rep. Olver, John W. [D-MA-1] · D · Sponsor
- Rep. Edwards, Donna F. [D-MD-4] · D · Sponsor
- Rep. Courtney, Joe [D-CT-2] · D · Sponsor
- Rep. DeLauro, Rosa L. [D-CT-3] · D · Sponsor
- Rep. Kennedy, Patrick J. [D-RI-1] · D · Sponsor
- Rep. Lowey, Nita M. [D-NY-17] · D · Sponsor
- ROBERT BRADY · D · Sponsor
- Rep. Chandler, Ben [D-KY-6] · D · Sponsor
- Rep. Loebsack, David [D-IA-2] · D · Sponsor
- Rep. Pascrell, Bill, Jr. [D-NJ-9] · D · Sponsor
- Rep. Bishop, Timothy H. [D-NY-1] · D · Sponsor
- Rep. Filner, Bob [D-CA-51] · D · Sponsor
- Rep. Carnahan, Russ [D-MO-3] · D · Sponsor
- Rep. Weiner, Anthony D. [D-NY-9] · D · Sponsor
- Sen. Markey, Edward J. [D-MA] · D · Sponsor
- Rep. Grijalva, Raúl M. [D-AZ-7] · D · Sponsor
- Rep. Cummings, Elijah E. [D-MD-7] · D · Sponsor
- Rep. Schakowsky, Janice D. [D-IL-9] · D · Sponsor
- Rep. Green, Gene [D-TX-29] · D · Sponsor
- Rep. Moran, James P. [D-VA-8] · D · Sponsor
- Rep. Sutton, Betty [D-OH-13] · D · Sponsor
- Rep. Hinchey, Maurice D. [D-NY-22] · D · Sponsor
- Del. Bordallo, Madeleine Z. [D-GU-At Large] · D · Sponsor
- Rep. Lee, Barbara [D-CA-12] · D · Sponsor
- Sen. Welch, Peter [D-VT] · D · Sponsor
- Rep. Higgins, Brian [D-NY-26] · D · Sponsor
- Rep. Lynch, Stephen F. [D-MA-8] · D · Cosponsor
- Rep. Woolsey, Lynn C. [D-CA-6] · D · Cosponsor
- Rep. Sherman, Brad [D-CA-32] · D · Cosponsor
- Rep. Matsui, Doris O. [D-CA-7] · D · Cosponsor
- Rep. Rahall, Nick J., II [D-WV-3] · D · Cosponsor
Showing 48 of 130 sponsors and actors.
Related records
- related to → Providing for the consideration of the Senate amendment to the bill (H.R. 627) to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.
- related to → Providing for further consideration of the bill (H.R. 627) to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.
- related to ← Credit Cardholders' Bill of Rights Act of 2009
- related to ← Credit CARD Act of 2009
- amends ← SAMDT 1083
- amends ← SAMDT 1063
- amends ← SAMDT 1090
- amends ← SAMDT 1127
- amends ← SAMDT 1069
- amends ← SAMDT 1109
Showing 10 of 93 related records.
Related across the Repo ecosystem
Direct relationships are identifier-backed. Topic context means shared TopicMembership — not a citation and not causation.
Direct relationships
- Legal framework · Credit CARD Act of 2009 · H.R. 627 (111th) · US
- Identifier matchPROJECTS_FROM
Same us record 111-hr-627 projected from PoliticalRepo US row.
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/111th-congress/house-bill/627
- Open data entity: https://api.congress.gov/v3/bill/111/hr/627
- us · 111-hr-627 · source updated 5 December 2025