In this task, you are given a summary for US Congressional and California state bill, your task is to generate a Title for this bill. The preferred titles are under forty words and mention the purpose of the bill.

Credit Card Consumer Protection Act of 1999- Amends the Truth in Lending Act to: (1) prohibit fee assessment against a credit card account under an open-end consumer credit plan solely on the basis of on-time payments; (2) require advance notice of any interest rate increase for a credit card account, and of the consumer's right to cancel such account before the effective date of that increase; and (3) prohibit post-cancellation increases in interest rates and fees on the outstanding balance of any canceled cards.
Mandates disclosure to a credit card account holder of the fees and interest rates imposed upon credit advances through the use of third party checks.
Proscribes over-the-limit fees in creditor-approved transactions, and two-cycle billing.
Prescribes additional notice requirements governing: (1) introductory rates to identify the fixed and variable interest rate which will apply following the introductory period; (2) last payment date and payment processing date before imposition of late fees; and (3) the period of time required to pay off the outstanding balance if only the minimum payment is forwarded.
Credit Card Consumer Protection Act of 1999