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In 2009, Congress passed the most substantial reform in the credit card industry in more than 40 years—the Credit Card Accountability and Disclosure Act, or the CARD Act. Simply put, the CARD Act offers cardholders protections that can save them money. But has the CARD Act made a difference? The Spring 2014 issue answers this question in its lead article, which covers the fair and transparent practices introduced by the Act. Fair practices include lower fees and limits on interest rate increases, while transparent practices include better and timely communication so consumers know how much they are really paying for credit.
Inside the Vault is an economic education newsletter for educators.
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