Amendment clarifies that changes to a credit card agreement which reduce a customer's interest rate or other fees can be implemented immediately, instead of being subject to the 45-day waiting period required under the CARD Act of 2009.

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Amendment Number
494
Description
Amendment clarifies that changes to a credit card agreement which reduce a customer's interest rate or other fees can be implemented immediately, instead of being subject to the 45-day waiting period required under the CARD Act of 2009.
Purpose
An amendment numbered 1 printed in Part B of House Report 111-326 to clarify that changes to a credit card agreement that reduce a customer's interest rate or other fees can be implemented immediately, instead of being subject to the 45-day waiting period required under the CARD Act of 2009.
Congress
111
Type
HAMDT
Latest Action Date
Nov 4, 2009
Latest Action Text
On agreeing to the Hensarling amendment (A001) Agreed to by recorded vote: 427 - 0 (Roll no. 845).
Latest Action Time
14:14:28
Submitted Date
Nov 4, 2009
Chamber
House of Representatives
Update Date
Dec 5, 2020
Amendment 494 — Informed