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Credit CARD Act – Enhanced Consumer Disclosures• Late payment deadline and related penalty disclosures(February 22, 2010)• Internet posting of cardholder agreements(February 22, 2010)Copyright © 2010 Alston+Bird LLP. Proprietary and Confidential. All rights reserved.12ALSTON+BIRD LLP
Credit CARD Act – Protection of Young Consumers(February 22, 2010)• Prohibits issuance of credit card to consumer under age 21 unlessapplication includes either an adult co-signer or demonstrates anindependent ability to repay• Colleges/universities must disclose credit card marketing arrangementsand card issuers may not give tangible goods to induce applicationsat/near campus or college/university-sponsored events• Colleges/universities must disclose credit card marketing arrangements• Issuers are prohibited from providing tangible goods to induceapplications at/near campus or college/university-sponsored events• Issuers must report annually to the Federal Reserve Board on the termsand conditions of any marketing or affinity card agreements betweenthe issuer and any institution of higher educationCopyright © 2010 Alston+Bird LLP. Proprietary and Confidential. All rights reserved.13ALSTON+BIRD LLP
Page 1: Credit Card Issuers' Responses toU.
Page 4: Credit CARD Act - Consumer Protecti
Page 7 and 8: Credit CARD Act - Consumer Protecti
Page 9 and 10: Credit CARD Act - Consumer Protecti
Page 11: Credit CARD Act - Enhanced Consumer
Page 15 and 16: About the Credit Card Terms Trackin
Page 17 and 18: Recent Highlights• In the weeks l
Page 19 and 20: Cardholders Receiving Changes in Te
Page 23 and 24: Comparison of Balance Transfer (and
Page 25 and 26: Specific Examples: Bank of America
Page 27 and 28: Specific Examples: Chase Changes in
Page 29 and 30: Specific Examples: Citi Special Off
Page 31 and 32: Specific Examples: New Easy-to-Unde
Page 33 and 34: New Card and Existing Account Offer
Page 35 and 36: Pricing / Duration Competitive Summ
Page 37 and 38: Promotional Rate Examples (Continue
Page 39 and 40: Debit Card OverdraftsCredit cards a
Page 41 and 42: Appendix Slides: Competitive Summar
Page 43 and 44: Appendix: Competitive Summary -- Pa
Page 45 and 46: Appendix: Competitive Summary -- Tr

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