IB 
Union Calendar No. 180 
111TH CONGRESS 
1ST SESSION H. R. 3639 
[Report No. 111–314] 
To amend the Credit Card Accountability Responsibility and Disclosure Act 
of 2009 to establish an earlier effective date for various consumer protec-
tions, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 24, 2009 
Mrs. MALONEY (for herself, Mr. FRANK of Massachusetts, Ms. SCHAKOWSKY, 
Ms. SUTTON, Mr. CAPUANO, Ms. HIRONO, Mr. TIERNEY, and Mr. LEVIN) 
introduced the following bill; which was referred to the Committee on Fi-
nancial Services 
OCTOBER 26, 2009 
Additional sponsors: Mr. GEORGE MILLER of California, Mrs. LOWEY, Mr. 
KANJORSKI, Mr. CUMMINGS, Mr. ELLISON, Mr. MAFFEI, Mr. ACKERMAN, 
Ms. PINGREE of Maine, Ms. LEE of California, Ms. MARKEY of Colorado, 
Ms. FUDGE, Ms. TITUS, Mr. HODES, Mr. BACA, Mr. SHERMAN, Mr. 
KISSELL, Mr. HALL of New York, Ms. ZOE LOFGREN of California, Mr. 
GRIJALVA, Ms. CHU, Ms. MATSUI, Mr. MCGOVERN, Mr. WAXMAN, Mr. 
LANGEVIN, Mr. OLVER, Ms. KILROY, Mr. ROTHMAN of New Jersey, Mr. 
MEEK of Florida, Mr. NADLER of New York, Mr. PATRICK J. MURPHY 
of Pennsylvania, and Mr. MARKEY of Massachusetts 
OCTOBER 26, 2009 
Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
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A BILL 
To amend the Credit Card Accountability Responsibility and 
Disclosure Act of 2009 to establish an earlier effective 
date for various consumer protections, and for other 
purposes. 
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Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Expedited CARD Re-
form for Consumers Act of 2009’’. 
SEC. 2. EARLIER EFFECTIVE DATE FOR THE CREDIT CARD 
ACT OF 2009, GENERALLY. 
Section 3 of the Credit Card Accountability Responsi-
bility and Disclosure Act of 2009 is amended by striking 
‘‘become effective 9 months after the date of enactment 
of this Act,’’ and inserting ‘‘take effect on December 1, 
2009,’’. 
SEC. 3. EARLIER EFFECTIVE DATES FOR SPECIFIC PROVI-
SIONS TO PREVENT FURTHER ABUSES. 
(a) REVIEW OF PAST CONSUMER INTEREST RATE 
INCREASES.—Section 148(d) of the Truth in Lending Act 
(15 U.S.C. 1665c(d)) (as added by section 101(c) of the 
Credit Card Accountability Responsibility and Disclosure 
Act of 2009) is amended— 
(1) by striking ‘‘9 months after the date of en-
actment of this section,’’ and inserting ‘‘December 1, 
2009,’’; and 
(2) by striking ‘‘become effective 15 months 
after that date of enactment’’ and inserting ‘‘take 
effect on December 1, 2009’’. 
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(1) by striking ‘‘9 months after the date of enact-
ment of this section,’’ and inserting ‘‘December 1, 
2009, except that for a depository institution, as de-
fined in section 19(b)(1)(A) of the Federal Reserve Act 
(12 U.S.C. 461(b)(1)(A)), with fewer than 2 million 
credit cards in circulation on the date of the enact-
ment of the Expedited CARD Reform for Consumers 
Act of 2009, the effective date shall be February 22, 
2010,’’; and 
(2) by striking ‘‘become effective 15 months after 
the date of enactment of the section’’ and inserting 
‘‘take effect on December 1, 2009, except that for a de-
pository institution, as defined in section 19(b)(1)(A) 
of the Federal Reserve Act (12 U.S.C. 461(b)(1)(A)), 
with fewer than 2 million credit cards in circulation 
on the date of the enactment of the Expedited CARD 
Reform for Consumers Act of 2009, the effective date 
shall be August 22, 2010’’. 
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Union Calendar No. 180 
111TH CONGRESS 
1ST SESSION 
H. R. 3639 
[Report No. 111–314] 
A BILL 
To amend the Credit Card Accountability Responsi-
bility and Disclosure Act of 2009 to establish an 
earlier effective date for various consumer protec-
tions, and for other purposes. 
OCTOBER 26, 2009 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
VerDate Nov 24 2008 
22:06 Oct 26, 2009
Jkt 089200
PO 00000
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