rss?Is 2009 the Year of Credit Card Reform?
Tuesday, December 23, 2008 at 10:45 am
- 114 Comments
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Dissatisfied with the timing and sweep of new federal rules designed to protect credit card users from the banks that bill them, some well-placed Democrats are vowing to push stronger, more immediate reforms next year. With the banking industry already reeling from the economic downturn, however, the opposition to such a move could be fiercer than ever.
The new regulations, unveiled by the Federal Reserve on Thursday, will prevent credit card companies from increasing interest rates on existing balances; prohibit banks from applying interest to balances already paid; and offer consumers more time to make payments before fees kick in. The changes, which take effect in July 2010, constitute the most sweeping credit card reforms in 30 years.
Illustration by: Matt Mahurin
In the eyes of many Democrats and consumer advocates, however, the changes fall short. Rep. Barney Frank (D-Mass.), chairman of the House Financial Services Committee, said Monday that the new rules are good first steps, but they don’t go far enough — and don’t come fast enough — to protect consumers struggling during the recession.
“There’s still room for improvement,” Frank said in a phone interview with TWI.
Some Democrats want to take additional steps to prohibit companies from hiking rates for consumers having problems (a late payment, for example) with some other card or line of credit, a practice known as “universal default.” Critics of the companies’ marketing practices also want to see more done to prevent banks from targeting youngsters, who tend to be more reckless spenders than other groups.
“The regulations regrettably leave in place many blatantly unfair credit card practices that mire families in debt,” Sen. Carl Levin (D-Mich.) said in a statement. Sen. Christopher Dodd (D-Conn.), chairman of the Banking Committee, agrees, vowing to reintroduce legislation next year to plug the gaps.
Yet additional reforms probably won’t come easily, particularly in this recession. The economic downturn has already forced the federal government to front trillions of dollars to prop up the nation’s sputtering financial institutions, and industry supporters in Washington will likely resist any changes that could further harm the banks’ bottom lines.
Not insignificant, the nation’s finance institutions perennially rank among the top contributors to congressional lawmakers on both sides of the aisle. In the 2008 election cycle, for example, the industry donated roughly $188 million, according to the Center for Responsive Politics. Nearly $35 million came from commercial banks alone.
Yet consumer advocates argue that Congress shouldn’t prioritize bank profits above consumer protections. Graham Steele, a consumer lobbyist with Public Citizen, said the banks will do just fine. “This won’t substantially change the way the banks do business,” he said, adding that Congress should take further steps to rein in abusive lending practices. “The way that they’ve been haphazardly lending money has got to change,” Steele said.
In September, the House passed legislation to prohibit universal default and other abusive lending practices, but credit card reform has hit a wall in the Senate. Though Dodd is well-placed to push his reform bill, several Democrats on his banking panel — including Sens. Tim Johnson (S.D.) and Thomas Carper (Del.) — have been strong industry supporters, according to Steele.
President-elect Barack Obama has also been critical of many practices adopted by the industry. In a campaign speech delivered in July, Obama said that some consumers rack up debt based on “reckless decisions,” but others have been victims of their lenders.
Many more Americans aren’t falling into debt because they made an irresponsible decision; they’re falling into debt because credit card companies are pushing them over the edge. For too long, credit card companies have been using unfair and deceptive practices to trick Americans into signing agreements they can’t afford. The contracts you sign when you get a card have gone from being one page-long a few decades ago to more than thirty pages-long today. And they’re often filled with traps and fine print that only a credit card executive could understand. These companies have been crossing the line to boost their bottom line.
As the senator for Illinois, Obama had cosponsored the Dodd bill earlier this year.
The debate arrives as more [and more] consumers are reliant on the convenience and availability of credit cards to pay their bills. And the companies know it. Synovate, a market research company, estimates that American households will receive 4.2 billion credit card solicitations in the mail in 2008. That’s down from 5.2 billion in 2007, but the figure still represents almost 30 solicitations per U.S. household.
Industry representatives are already bracing to fight additional credit card restrictions.
Edward L. Yingling, president and CEO of the American Bankers Association, warned last week that the new rules could hike costs for everyone. “With the uncertainty facing our financial system,” Yingling said in a statement, “it’s absolutely vital for policymakers to understand the full impact of these regulations on consumers and the economy before judging their success or further restricting the marketplace.”
Frank is undeterred. “They said that last year,” he said, “and we passed the bill anyways.”
114 Comments
Comment posted December 23, 2008 @ 12:25 pm
I have watched the bank fee and interest game evolve over the last thirty years. It's as if they all get together and figure out how they can arrange agreements in order to dupe consumers more. I was one minute late making a payment on a confusing website — almost purposely confusing– and my interest rate went from 0% to 29%. Earlier this week, the interest on my credit balance pushed me over my credit limit and I was charged an overlimit fee. Then, of course the fees accrue interest.
The banks claim they will lose billions of dollars in revenue; I claim they have been stealing billions of dollars from the American public.
Comment posted December 23, 2008 @ 12:45 pm
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Pingback posted December 23, 2008 @ 1:22 pm
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Comment posted December 23, 2008 @ 7:52 pm
Banks like Advanta give small business owners enticing offers to transfer large amounts of money to their bank with 9% for 15 months and then 7.99%. Then if there is a balance after a few months, they jack the interest rate to as high as 37.5%. They have clauses in their agreements that say they can raise the rates anytime they feel like it for any reason they feel like. This is just not Advanta. Advanta has also been jacking the rates without any Opt Out notice on hundreds of their good customers. These regulations are badly needed to protect against this predatory lending.
Comment posted December 23, 2008 @ 8:06 pm
Too little too late. My own credit card raised my interest rate more than 3x to an outrageous 31 percent…all for going five dollars over my credit limit during the Christmas crunch. This was the first time this had ever happened, and I admit I made a mistake, but I doubled my payment the next month…only to find it entirely swallowed by interest and another fee administered because the finance charges still left the balance over the limit. I'd never heard of such a thing happening. I know that a fine was to be charged, but they are literally making it impossible for me to pay this card off. I was told that a notation of this new plan was mailed to me in one of the dozens of amendments and addendums I've received in the mail. I don't ever recall reading such a thing, but I'm sure one of their associates can pull up the column and subcategory it came from. I've always made over the min. payment, paid on time, etc…and now my credit is about to be ruined. I've told them repeatedly that I want to pay, but they won't lower the interest rate at all. I'd literally have to triple my payments to see the balance budge, and I just can't afford to do that. I've explained until I'm blue in the face, but if they won't work with me then I'll have to go into default with the card and hope to settle down the road.
Comment posted December 26, 2008 @ 6:42 pm
Sounds like I'm in the same boat as most. I've never paid late and I've always paid at least the minimum and Bank Of America hiked my rate from 4.99 to 24.99 because “I wasn't paying my balance off fast enough.” I feel like I've gotten screwed. I hate hearing all the opposition to this saying “this is just one more example of somewhere the government doesn't need to get involved.” Well, clearly if millions of Americans are being subjected to the whims of huge corporations that refuse to adequately police themselves, then yes, the government does have to get involved. My only recourse (other than talking to a “senior account representative” at Bank Of America and getting absolutely NOWHERE after an hour of discussion) is to call my congressman. All I have to say to the credit card companies that slam hard working, on-time paying consumers like me is, well, I don't think I should type that here. Luckily I'm an American Servicemember and I found out about the SCRA (6% interest rate cap for servicemembers) just in time to save my financial world from ruin, but if I had just been some regular civilian my life would've been in shambles. And I don't want to hear this “the banks will be ruined if this legislation passes” crap! It they hadn't instituted these horribly predatory practices in the first place maybe the American public would be able to PAY their bills and the credit companies wouldn't be in this situation. ??????
Comment posted December 29, 2008 @ 11:28 am
Those bureacrats in Washington have no clue about credit card payments! They have accountants and wives that stay home to pay their bills for them! I am paying $5 to $10 more than my minimum payment but cannot afford double the minimum and have never been late. I hope to pay off my cards next year but if the minimums double or the interest rate continues to increase then I will be struggling to keep up let alone pay them down. If these laws keep passing then the next sector asking for a bail-out will be the credit card companies and of course they will blame the middle class!
Comment posted December 30, 2008 @ 6:01 pm
I agree with Doug Carpenter on the ADVANTA thing. I just spent 15 aggravating minutes on the ph w/a supervisor named Debbie who wouldn't do a thing for me. They bait you into low interest rate loans then hike the rate. She claims they sent an Opt out notice the first time when my rate went from 7.99 to 22.18 – I never got it. I just received one saying my rate is going to be over 37.18%!!!!! I have FICO's in the 700's, never been late on 2 mortgages and all my credit cards and yet they've determined I have a high possibility of default becuase of my other credit. We went round and round on the discriminatory and pre-punitive aspects of how I feel I'm being treated. This was after they gave me a credit increase back in July!!! If they didn't think I was worthy, they shouldn't have extended the credit – period! Not give it then continue to raise the rate arbitrarily. I am very upset about this…JOHN MOORE, PRES OF ADVANTA – ARE YOU LISTENING? Does anyone have suggestions as to what our legal rights and angles are? This can't be legal…and once and IF they put that legislation into effect…what restitution will be offered to those of us who have been taken advantage of?
Comment posted December 30, 2008 @ 6:04 pm
The bizarre thing is…the last thing you should do for people who are in trouble is raise the rate! They'll never be able to pay off their credit cards! Some kind of strange paradox of thinking – punish them with high rates, then when they can't make their payments harrass them with their smug, attitudes…makes me ill. I hope they collapse under the weight of their inhumane greed!
Comment posted January 1, 2009 @ 10:29 pm
READ THE FINE PRINT FROM CONGRESS
The changes on credit card legislation will have absolutely no real impact on consumers and their use of credit cards.
JUST LISTEN TO WHAT BERNANKE IS REALLY SAYING …
-
http://pacificgatepost.blogspot.com/2008/12/ber…
-
Issuers will continue to be abusive of all card holders.
Comment posted January 27, 2009 @ 10:39 am
The Dec. 2008 regulations passed by the Federal Reserve Board don't begin to limit the Credit Card Companies in a way that is fair to the consumer. My Washington Mutual account went up to 23.85% during a time that my credit score went from average into the higher range of average. No late payments ever, paid more than minimums always, wasn't up to, or over my limit, yet they siezed the opportunity to raise this limit before anyone might possibly regulate them. This has to change.
Comment posted February 4, 2009 @ 5:58 pm
Ditto on BOA, Advanta and I'll add Chase and Citi. I am 45 year-old professional that always had credit scored in the high 700's. After starting a business – and using my Advanta card for small business, given at 0% interest – in March of 2008 all of my unused, open credit by Chase (one card with nothing on it and one card with barely anything) were closed without any notice. That affected my DTI since I had other cards that had higher balances (I was starting a small business, remember). Suddenly all my rates were jacked up…29% – 36% with my monthly payments now at least triple what they were. These are loan shark tactics….pure and simple. We are still digging out, still have our home and – after the banks getting their bail out money – some are working with us on a hardship program. I have run up and paid off tens of thousands of dollars in credit over the past 20 years….never again. Count me in on any fight, any where, to get this changed.
Comment posted February 26, 2009 @ 8:55 pm
We the taxpayers are helping these companies with bail outs to stimulate the economy and attempt to bring our country back up to its fee. These companies turn around and in a stroke throw us on the ground by increasing the debt to levels unaffordable to us. There is an obvious paradox here and clear difference in interests.
If after a late fee on my mortgage, the interest rates increased to 30%, I would loose my house and my credit worthiness. Why does the goverment allow the credit card companies to do this. There is obviously no interest in seeing the consumers get out of debt and I believe that promoting bankrupcies like they are will not help anyone.
These are obvious predatory practices that need to be addressed. To Edward Yinglin, how does increasing the debt to income ratio considerably and reducing the available pool of credit worthy consumers help the economy and the consumers?.
If before I had $20K in credit card debt at 12%/yr, then my payment of $400 was covering the interest ($200) and some principal ($200). With an increase in interest rates to 30%, the interest alone is $500. My $400 payment is now placing me deeper in debt. Having our goverment allow this is unconceivable.
Comment posted April 21, 2009 @ 11:28 am
Like everything else in congress, this is several years too late, and no doubt will only give the appearance that they are not on a junket somewhere. The only ones to benefit by paying down, and eventually OFF these debts is the consumer… And who worries about the little guy?
Too little, too late..
Comment posted May 9, 2009 @ 3:16 pm
Why do not limit de maximum interest a cred card company can charge 10% over prime rate?
No body talks about this. The only think we hear is regulation about fees, penalties, fine print etc. Stop legal loansharking. We have interest rates of 32% in many cases. How can you pay your card at this rates?
Comment posted May 22, 2009 @ 5:02 am
its about time someone done something about these long shark buzzards from ripping people off, they are blood sucker and have drained so much money off of honest desent law abiding americans
Comment posted May 22, 2009 @ 12:02 pm
its about time someone done something about these long shark buzzards from ripping people off, they are blood sucker and have drained so much money off of honest desent law abiding americans
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Comment posted August 1, 2010 @ 8:32 am
No body talks about this. The only think we hear is regulation about fees, penalties, fine print etc. Stop legal loansharking. We have interest rates of 32% in many cases. How can you pay your card at this rates?
Comment posted August 10, 2010 @ 6:44 am
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Trackback posted September 6, 2011 @ 6:53 pm
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Recent Blogroll Additions……
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Trackback posted September 7, 2011 @ 3:49 am
Gems form the internet…
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Trackback posted September 7, 2011 @ 7:01 am
Websites you should visit…
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Trackback posted September 7, 2011 @ 8:12 am
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Trackback posted September 7, 2011 @ 10:37 am
Websites you should visit…
[...]below you’ll find the link to some sites that we think you should visit[...]……
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