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What protections did the CARD Act introduce for credit card holders?

The Credit Card Accountability Responsibility and Disclosure Act of 2009, commonly called the CARD Act, strengthened protections for credit card users. Congress passed it in response to concerns about credit card industry practices. Also known as the Credit Card Holders’ Bill of Rights, the law restricted certain interest rate increases and fees, required clearer disclosures, and established additional protections for younger cardholders.