Credit Card Accountability Responsibility and Disclosure Act | American Bankers Association

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The CARD Act’s provisions are reflected in Regulation Z (Truth in Lending Act).

Statutes

Public Law 111-24

Rules & Regulations

Regulation Z (12 C.F.R. 1026)

Staff Analysis

Credit Card Market and Impact on CARD Act
April 30, 2015
Summary of New Credit CARD Rules
February 8, 2010
Summary of Credit CARD Act Regulation Z Provisions
September 1, 2009

CARD Act Questions from the Hotline

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Agency Guidance

An Overview of Reg Z Rules Implementing the CARD Act
May 22, 2009

Exam Procedures

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Policy Library
News

Policy Library

Comment Letter
Letter to CFPB on the Proposed Rulemaking on Credit Card Penalty Fees
May 3, 2023
Comment Letter
Letter to CFPB on the Request for Information Regarding Consumer Credit Card Market
April 24, 2023
Letter to Congress & Regulators
Letter to CFPB on SBREFA Credit Card Late Fee Rulemaking
January 20, 2023
Comment Letter
Joint Trades Letter to CFPB on Credit Card Agreement Terms Collection
October 14, 2022

News

NewsByte
Trade groups: Removing late fee ‘safe harbor’ could harm consumers
August 03, 2022
Compliance News
CFPB Announces 2022 Reg Z Dollar Thresholds
October 26, 2021
NewsByte
CFPB: Total Credit Card Balances Fell by Record Amount in 2020
September 30, 2021

Proposed Rules

Related Training & Events

Reg Z Credit Cards
Self-Paced Training

ABA Resources

Infographic
2023 Consumer Satisfaction Survey
October 6, 2023
Book
Handbook of Bank Insurance Compliance
June 14, 2021

In Depth

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Our Experts

Nessa Feddis

Senior Vice President & Senior Counsel, Regulatory Compliance and Policy

Brian Murphy

SVP, Card Policy Council

Bank Cards, Card Policy, Payment Systems

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