/ Advocacy /
Issues
Cars
Energy
Food
Money
Tech & Privacy
Product Safety
Health
Our Team
Press Releases
Donate
About Us
Take Action
Issues
Cars
Energy
Food
Money
Tech & Privacy
Product Safety
Health
Our Team
Press Releases
Donate
About Us
Take Action
/ Advocacy /
Take Action
Search
Comparison: Credit Card Holders’ Bill of Rights Act of 2009 & FRB Rule on Credit Cards
April 28, 2009
Credit-card-bill-of-rights-2009
35.1 KB
The Fed Rule and HR 627 both include many reforms
Issues
Money
Expert
David Butler
Sr. Director, Strategic Communications
You Might Also Be Interested In
press release
January 22, 2021
Consumer Reports praises FTC for taking action against ticket brokers for violating the BOTS Act
press release
January 13, 2021
Consumer Reports Welcomes New DOT Airline Passenger Protections
press release
December 18, 2020
CFPB rule holds debt collectors to higher standard on time-barred debt but falls short of needed protection
December 1, 2020
Consumer Reports letter to Senate Appropriations Committee in defense of FTC Contact Lens Rule
%20-%20http%3a%2f%2fwww.bohemiancoding.com%2fsketch%20--%3e%20%3ctitle%3ePage%201%3c%2ftitle%3e%20%3cdesc%3eCreated%20with%20Sketch.%3c%2fdesc%3e%20%3cdefs%3e%20%3cpolygon%20id%3d%22path-1%22%20points%3d%2257.0106786%200.000357142857%200%200.000357142857%200%2034.7572143%2057.0106786%2034.7572143%2057.0106786%200.000357142857%22%2f%3e%20%3c%2fdefs%3e%20%3cg%20id%3d%22Symbols%22%20stroke%3d%22none%22%20stroke-width%3d%221%22%20fill%3d%22none%22%20fill-rule%3d%22evenodd%22%3e%20%3cg%20id%3d%22CR-StackedLogo%22%3e%20%3cg%20id%3d%22Page-1%22%3e%20%3cg%20id%3d%22Group-3%22%20transform%3d%22translate(0.000000%2c%200.178214)%22%3e%20%3cmask%20id%3d%22mask-2%22%20fill%3d%22white%22%3e%20%3cuse%20xlink%3ahref%3d%22%23path-1%22%2f%3e%20%3c%2fmask%3e%20%3cg%20id%3d%22Clip-2%22%2f%3e%20%3cpath%20d%3d%22M38.1360357%2c15.9306071%20L38.1360357%2c8.06203571%20L42.86675%2c8.06203571%20C45.03925%2c8.06203571%2046.8249643%2c9.84828571%2046.8249643%2c12.02025%20C46.8249643%2c14.19275%2045.03925%2c15.9306071%2042.86675%2c15.9306071%20L38.1360357%2c15.9306071%20Z%20M23.5572857%2c23.5095357%20C21.9646071%2c25.1023929%2019.7921071%2c26.06775%2017.3785357%2c26.06775%20C12.59925%2c26.06775%208.68942857%2c22.1579286%208.68942857%2c17.3788214%20C8.68942857%2c12.5995357%2012.59925%2c8.68971429%2017.3785357%2c8.68971429%20C19.7921071%2c8.68971429%2021.9646071%2c9.65525%2023.5572857%2c11.2479286%20L29.4469286%2c5.35882143%20L29.4469286%2c29.3988214%20L23.5572857%2c23.5095357%20Z%20M29.4469286%2c34.2745357%20L38.1360357%2c34.2745357%20L38.1360357%2c23.5095357%20L40.6946071%2c23.5095357%20L46.9701429%2c34.2745357%20L57.0106786%2c34.2745357%20L49.3837143%2c21.8682857%20C53.00425%2c19.9854286%2055.5144286%2c16.22025%2055.5144286%2c11.8272143%20C55.5144286%2c5.55185714%2050.3976429%2c0.483107143%2044.1703214%2c0.483107143%20L29.4469286%2c0.483107143%20L29.4469286%2c4.87596429%20C26.2605%2c1.88310714%2022.0610357%2c0.00025%2017.3785357%2c0.00025%20C7.8205%2c0.00025%20-3.57142858e-05%2c7.72435714%20-3.57142858e-05%2c17.3788214%20C-3.57142858e-05%2c27.0332857%207.8205%2c34.7572143%2017.3785357%2c34.7572143%20C22.0610357%2c34.7572143%2026.2605%2c32.8743571%2029.4469286%2c29.8815%20L29.4469286%2c34.2745357%20Z%22%20id%3d%22Fill-1%22%20fill%3d%22%2300AE4D%22%20mask%3d%22url(%23mask-2)%22%2f%3e%20%3c%2fg%3e%20%3cpath%20d%3d%22M150.731214%2c16.1079821%20L150.731214%2c9.87226786%20C150.973536%2c7.53655357%20152.934607%2c6.39083929%20154.917643%2c6.655125%20L154.917643%2c5.46530357%20C153.154964%2c5.20083929%20151.524429%2c6.08226786%20150.731214%2c7.62476786%20L150.70925%2c5.531375%20L149.585321%2c5.531375%20L149.585321%2c16.1079821%20L150.731214%2c16.1079821%20Z%22%20id%3d%22Fill-4%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M139.119518%2c10.0484821%20C139.427911%2c7.91116071%20141.036482%2c6.47883929%20142.975589%2c6.47883929%20C144.914518%2c6.47883929%20146.523089%2c7.91116071%20146.655232%2c10.0484821%20L139.119518%2c10.0484821%20Z%20M147.845054%2c10.3570536%20C147.845054%2c7.404375%20145.685768%2c5.42116071%20142.997554%2c5.42116071%20C140.243268%2c5.42116071%20137.929696%2c7.60258929%20137.929696%2c10.775625%20C137.929696%2c13.9045536%20140.353446%2c16.218125%20143.195946%2c16.218125%20C144.892554%2c16.218125%20146.346839%2c15.513125%20147.360411%2c14.2129464%20L146.545054%2c13.5299107%20C145.773804%2c14.5875893%20144.606125%2c15.1384821%20143.195946%2c15.1384821%20C141.014518%2c15.1384821%20139.251661%2c13.441875%20139.097554%2c11.1061607%20L147.845054%2c11.1061607%20L147.845054%2c10.3570536%20Z%22%20id%3d%22Fill-6%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M121.602196%2c10.7315536%20C121.646304%2c7.93316071%20123.056482%2c6.478875%20125.017554%2c6.478875%20C126.670054%2c6.478875%20127.771839%2c7.53655357%20127.749696%2c9.43155357%20L127.749696%2c16.1079821%20L128.895589%2c16.1079821%20L128.895589%2c10.7315536%20C128.939696%2c7.93316071%20130.349875%2c6.478875%20132.310946%2c6.478875%20C133.963446%2c6.478875%20135.065232%2c7.53655357%20135.043089%2c9.43155357%20L135.043089%2c16.1079821%20L136.188982%2c16.1079821%20L136.188982%2c9.38744643%20C136.210946%2c6.91958929%20134.822732%2c5.42119643%20132.443089%2c5.42119643%20C130.746482%2c5.42119643%20129.314161%2c6.43476786%20128.697196%2c7.93316071%20C128.234518%2c6.36869643%20126.956482%2c5.42119643%20125.149696%2c5.42119643%20C123.585232%2c5.42119643%20122.219161%2c6.32458929%20121.602196%2c7.64673214%20L121.602196%2c5.531375%20L120.456482%2c5.531375%20L120.456482%2c16.1079821%20L121.602196%2c16.1079821%20L121.602196%2c10.7315536%20Z%22%20id%3d%22Fill-8%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M117.151679%2c16.1079821%20L118.297393%2c16.1079821%20L118.297393%2c5.531375%20L117.151679%2c5.531375%20L117.151679%2c10.9078036%20C117.107571%2c13.7061964%20115.56525%2c15.1604821%20113.427929%2c15.1604821%20C111.731321%2c15.1604821%20110.607393%2c14.1028036%20110.607393%2c12.2078036%20L110.607393%2c5.531375%20L109.461679%2c5.531375%20L109.461679%2c12.2519107%20C109.461679%2c14.7197679%20110.871857%2c16.2181607%20113.295607%2c16.2181607%20C115.036321%2c16.2181607%20116.51275%2c15.2706607%20117.151679%2c13.8824464%20L117.151679%2c16.1079821%20Z%22%20id%3d%22Fill-10%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M100.802179%2c13.8604643%20L100.16325%2c14.7638571%20C101.154679%2c15.6452857%20102.454679%2c16.2181429%20104.151464%2c16.2181429%20C106.1345%2c16.2181429%20107.720929%2c15.1385%20107.720929%2c13.2435%20C107.720929%2c11.7451071%20106.993786%2c11.1061786%20104.636107%2c10.2908214%20L103.732714%2c9.98242857%20C102.41075%2c9.54171429%20101.705571%2c9.101%20101.705571%2c8.13153571%20C101.705571%2c6.91957143%20102.829321%2c6.45689286%20103.864857%2c6.45689286%20C104.856464%2c6.45689286%20105.914143%2c6.98564286%20106.685393%2c7.66885714%20L107.368429%2c6.72135714%20C106.376821%2c5.92796429%20105.297179%2c5.44332143%20103.864857%2c5.44332143%20C102.058071%2c5.44332143%20100.581821%2c6.41278571%20100.581821%2c8.19760714%20C100.581821%2c9.56367857%20101.397179%2c10.4231429%20103.402179%2c11.1281429%20L104.41575%2c11.4808214%20C105.914143%2c12.0095714%20106.597179%2c12.296%20106.597179%2c13.2435%20C106.597179%2c14.6095714%20105.407357%2c15.2045714%20104.151464%2c15.2045714%20C102.829321%2c15.2045714%20101.661464%2c14.6536786%20100.802179%2c13.8604643%22%20id%3d%22Fill-12%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M90.8646964%2c10.7315536%20C90.9088036%2c7.93316071%2092.451125%2c6.478875%2094.5884464%2c6.478875%20C96.2852321%2c6.478875%2097.4089821%2c7.53655357%2097.4089821%2c9.43155357%20L97.4089821%2c16.1079821%20L98.5546964%2c16.1079821%20L98.5546964%2c9.38744643%20C98.5546964%2c6.91958929%2097.1445179%2c5.42119643%2094.7207679%2c5.42119643%20C92.9800536%2c5.42119643%2091.503625%2c6.36869643%2090.8646964%2c7.75691071%20L90.8646964%2c5.531375%20L89.7189821%2c5.531375%20L89.7189821%2c16.1079821%20L90.8646964%2c16.1079821%20L90.8646964%2c10.7315536%20Z%22%20id%3d%22Fill-14%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M82.5802143%2c15.0723571%20C80.2445%2c15.0723571%2078.3496786%2c13.1553929%2078.3496786%2c10.8196786%20C78.3496786%2c8.48396429%2080.2445%2c6.567%2082.5802143%2c6.567%20C84.9378929%2c6.567%2086.8328929%2c8.48396429%2086.8328929%2c10.8196786%20C86.8328929%2c13.1553929%2084.9378929%2c15.0723571%2082.5802143%2c15.0723571%20M82.5802143%2c5.42128571%20C79.6055714%2c5.42128571%2077.2037857%2c7.84503571%2077.2037857%2c10.8196786%20C77.2037857%2c13.7943214%2079.6055714%2c16.2180714%2082.5802143%2c16.2180714%20C85.5548571%2c16.2180714%2087.9786071%2c13.7943214%2087.9786071%2c10.8196786%20C87.9786071%2c7.84503571%2085.5548571%2c5.42128571%2082.5802143%2c5.42128571%22%20id%3d%22Fill-16%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M75.0224107%2c12.4282143%20C73.8104464%2c13.9926786%2071.915625%2c14.9621429%2069.8002679%2c14.9621429%20C66.1866964%2c14.9621429%2063.2120536%2c12.0096429%2063.2120536%2c8.37392857%20C63.2120536%2c4.76017857%2066.1866964%2c1.8075%2069.8002679%2c1.8075%20C71.9375893%2c1.8075%2073.8104464%2c2.77714286%2075.0224107%2c4.36357143%20L75.9477679%2c3.46017857%20C74.4934821%2c1.6975%2072.268125%2c0.551607143%2069.8002679%2c0.551607143%20C65.4815179%2c0.551607143%2061.9559821%2c4.07714286%2061.9559821%2c8.37392857%20C61.9559821%2c12.6926786%2065.4815179%2c16.2182143%2069.8002679%2c16.2182143%20C72.268125%2c16.2182143%2074.4715179%2c15.0723214%2075.9038393%2c13.2875%20L75.0224107%2c12.4282143%20Z%22%20id%3d%22Fill-18%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M124.092304%2c32.2054107%20L123.453375%2c33.1088036%20C124.444804%2c33.9902321%20125.744804%2c34.5630893%20127.441589%2c34.5630893%20C129.424625%2c34.5630893%20131.011054%2c33.4834464%20131.011054%2c31.5884464%20C131.011054%2c30.0900536%20130.283911%2c29.451125%20127.926232%2c28.6357679%20L127.022839%2c28.327375%20C125.700875%2c27.8866607%20124.995696%2c27.4459464%20124.995696%2c26.4764821%20C124.995696%2c25.2645179%20126.119446%2c24.8018393%20127.155161%2c24.8018393%20C128.146589%2c24.8018393%20129.204268%2c25.3305893%20129.975518%2c26.0138036%20L130.658554%2c25.0663036%20C129.666946%2c24.2729107%20128.587304%2c23.7882679%20127.155161%2c23.7882679%20C125.348196%2c23.7882679%20123.871946%2c24.7577321%20123.871946%2c26.5425536%20C123.871946%2c27.908625%20124.687304%2c28.7680893%20126.692304%2c29.4730893%20L127.705875%2c29.8257679%20C129.204268%2c30.3545179%20129.887304%2c30.6409464%20129.887304%2c31.5884464%20C129.887304%2c32.9545179%20128.697482%2c33.5495179%20127.441589%2c33.5495179%20C126.119446%2c33.5495179%20124.951589%2c32.998625%20124.092304%2c32.2054107%22%20id%3d%22Fill-20%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M122.087143%2c33.858%20L121.77875%2c32.9324643%20C121.161786%2c33.3071071%20120.544821%2c33.4833571%20119.817679%2c33.4833571%20C118.781964%2c33.4833571%20118.297143%2c32.8663929%20118.297143%2c31.7426429%20L118.297143%2c24.9340714%20L121.999107%2c24.9340714%20L121.999107%2c23.85425%20L118.297143%2c23.85425%20L118.297143%2c20.2187143%20L117.129464%2c20.2187143%20L117.129464%2c31.7647857%20C117.129464%2c33.5055%20117.98875%2c34.5631786%20119.751429%2c34.5631786%20C120.610893%2c34.5631786%20121.381964%2c34.3206786%20122.087143%2c33.858%22%20id%3d%22Fill-22%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M111.312696%2c34.4529286%20L111.312696%2c28.2172143%20C111.555018%2c25.8815%20113.516089%2c24.7357857%20115.499304%2c25.0000714%20L115.499304%2c23.81025%20C113.736446%2c23.5457857%20112.105911%2c24.4272143%20111.312696%2c25.9697143%20L111.290732%2c23.8763214%20L110.166982%2c23.8763214%20L110.166982%2c34.4529286%20L111.312696%2c34.4529286%20Z%22%20id%3d%22Fill-24%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M103.027732%2c33.4173036%20C100.692018%2c33.4173036%2098.7971964%2c31.5003393%2098.7971964%2c29.164625%20C98.7971964%2c26.8289107%20100.692018%2c24.9119464%20103.027732%2c24.9119464%20C105.385411%2c24.9119464%20107.280411%2c26.8289107%20107.280411%2c29.164625%20C107.280411%2c31.5003393%20105.385411%2c33.4173036%20103.027732%2c33.4173036%20M103.027732%2c23.7662321%20C100.053089%2c23.7662321%2097.6513036%2c26.1899821%2097.6513036%2c29.164625%20C97.6513036%2c32.1392679%20100.053089%2c34.5630179%20103.027732%2c34.5630179%20C106.002375%2c34.5630179%20108.426125%2c32.1392679%20108.426125%2c29.164625%20C108.426125%2c26.1899821%20106.002375%2c23.7662321%20103.027732%2c23.7662321%22%20id%3d%22Fill-26%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M90.8210536%2c33.4173036%20C88.5069464%2c33.4173036%2086.6344464%2c31.5003393%2086.6344464%2c29.164625%20C86.6344464%2c26.8289107%2088.5069464%2c24.9119464%2090.8210536%2c24.9119464%20C93.134625%2c24.9119464%2095.0076607%2c26.8289107%2095.0076607%2c29.164625%20C95.0076607%2c31.5003393%2093.134625%2c33.4173036%2090.8210536%2c33.4173036%20M90.8210536%2c23.7662321%20C89.0581964%2c23.7662321%2087.515875%2c24.7356964%2086.6344464%2c26.2119464%20L86.6344464%2c23.8764107%20L85.4887321%2c23.8764107%20L85.4887321%2c38.749625%20L86.6344464%2c38.749625%20L86.6344464%2c32.0951607%20C87.5378393%2c33.5935536%2089.1023036%2c34.5630179%2090.887125%2c34.5630179%20C93.7737321%2c34.5630179%2096.1530179%2c32.1392679%2096.1530179%2c29.164625%20C96.1530179%2c26.1899821%2093.7515893%2c23.7662321%2090.8210536%2c23.7662321%22%20id%3d%22Fill-28%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M75.0222857%2c28.3934286%20C75.3308571%2c26.2561071%2076.93925%2c24.8237857%2078.8783571%2c24.8237857%20C80.8172857%2c24.8237857%2082.4258571%2c26.2561071%2082.5581786%2c28.3934286%20L75.0222857%2c28.3934286%20Z%20M83.748%2c28.7018214%20C83.748%2c25.7493214%2081.5885357%2c23.7661071%2078.9003214%2c23.7661071%20C76.1460357%2c23.7661071%2073.8324643%2c25.9475357%2073.8324643%2c29.1205714%20C73.8324643%2c32.2495%2076.2562143%2c34.5630714%2079.0987143%2c34.5630714%20C80.7953214%2c34.5630714%2082.2496071%2c33.8580714%2083.2631786%2c32.5578929%20L82.448%2c31.8748571%20C81.67675%2c32.9325357%2080.5088929%2c33.4834286%2079.0987143%2c33.4834286%20C76.9172857%2c33.4834286%2075.1544286%2c31.7868214%2075.0003214%2c29.4511071%20L83.748%2c29.4511071%20L83.748%2c28.7018214%20Z%22%20id%3d%22Fill-30%22%20fill%3d%22%23ffffff%22%2f%3e%20%3cpath%20d%3d%22M64.2033571%2c26.9611964%20L64.2033571%2c20.1745893%20L68.1255%2c20.1745893%20C70.54925%2c20.1745893%2071.9594286%2c21.5406607%2071.9594286%2c23.5678036%20C71.9594286%2c25.3747679%2070.7255%2c26.9611964%2068.0813929%2c26.9611964%20L64.2033571%2c26.9611964%20Z%20M69.073%2c28.0408393%20C71.673%2c27.6442321%2073.1933571%2c25.771375%2073.1933571%2c23.5678036%20C73.1933571%2c20.9458393%2071.4087143%2c19.0286964%2068.1474643%2c19.0286964%20L62.9913929%2c19.0286964%20L62.9913929%2c34.4529821%20L64.2033571%2c34.4529821%20L64.2033571%2c28.1069107%20L67.6406786%2c28.1069107%20L72.0035357%2c34.4529821%20L73.4799643%2c34.4529821%20L69.073%2c28.0408393%20Z%22%20id%3d%22Fill-32%22%20fill%3d%22%23ffffff%22%2f%3e%20%3c%2fg%3e%20%3c%2fg%3e%20%3c%2fg%3e%20%3c%2fsvg%3e)