﻿<?xml version="1.0"?>
<rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:terms="http://purl.org/dc/terms/" xmlns:ns="http://purl.org/dc/elements/1.1/" xmlns:usbill="http://www.rdfabout.com/rdf/schema/usbill/" xmlns:bibo="http://purl.org/ontology/bibo/" xmlns:ns1="http://xmlns.com/foaf/0.1/" xmlns:rdfschema="http://www.w3.org/2000/01/rdf-schema#" xmlns:time="http://pervasive.semanticweb.org/ont/2004/06/time#">
	<usbill:HouseBill rdf:about="http://www.rdfabout.com/rdf/usgov/congress/111/bills/h627">
		<terms:created>2009-01-22</terms:created>
		<ns:title>H.R. 627: Credit Card Accountability Responsibility and Disclosure Act of 2009</ns:title>
		<usbill:introduced rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-01-22</usbill:introduced>
		<bibo:shortTitle>H.R. 627: Credit Card Accountability Responsibility and Disclosure Act of 2009</bibo:shortTitle>
		<usbill:enacts rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/statutes/public/24" />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h90" ns:title="H. Amd. 90: Amendment allows issuers to charge consumers for expedited payments by telephone when consumers request such an expedited payment; makes technical corrections; requires that all credit card offers notify prospective applicants that excessive credit applications can adversely affect their credit rating; directs the Board of Governors of the Federal Reserve to suggest appropriate guidelines for creditors to supply cardholders with information regarding the availability of legitimate and accredited credit counseling services; requires all written information, provisions, and terms in or on any application, solicitation, contract, or agreement for any credit card account under an open end consumer credit to appear in no less than 12 point font; and requires that stores who are self-issuers of credit cards display a large visible sign at counters with the same information that is required to be disclosed on the application itself." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h91" ns:title="H. Amd. 91: Amendment requires the Federal Reserve 1) to review the consumer credit card market, including through solicitation of public comment, and report to Congress every two years; 2) publish a summary of this review in the Federal Register, along with proposed regulatory changes (or an explanation for why no such changes are proposed). The amendment also requires the Federal banking agencies and the FTC to submit to the Federal Reserve, for inclusion in the Federal Reserve's annual report to Congress, information about the agencies' supervisory and enforcement activities related to credit card issuers' compliance with consumer protection laws." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h92" ns:title="H. Amd. 92: Amendment sets underwriting standards for student credit cards, including limiting credit lines to the greater of 20 percent of a students' annual income or $500 without a co-signer and requiring creditors to obtain a proof of income, income history, and credit history from college students before approving credit applications." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h93" ns:title="H. Amd. 93: Amendment requires credit card issuers to allocate payments in excess of the minimum payment to the portion of the remaining balance with the highest outstanding APR first, and then to any remaining balances in descending order, eliminating the pro rata option." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h94" ns:title="H. Amd. 94: Amendment requires the Chair of the Federal Reserve to submit a report on the level of implementation of this bill every 90 days until the Chair can report full industry implementation." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h95" ns:title="H. Amd. 95: Amendment clarifies that minors are allowed to have a credit card in their name on their parent or legal guardian's account." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h96" ns:title="H. Amd. 96: Amendment requires the Federal Reserve Board, in consultation with the Federal Trade Commission and other agencies, to establish regulations that would allow estate administrators to resolve outstanding credit balances in a timely manner." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h97" ns:title="H. Amd. 97: Amendment requires credit cardholders to opt in to receive over-the-limit protection on their credit card in order for a credit card company to charge an over-the-limit fee. The amendment also allows for transactions that go over the limit to be completed for operational reasons as long as they are of a small amount. Lastly, the credit card company is not allowed to charge a fee." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h98" ns:title="H. Amd. 98: Amendment sought to allow issuers to raise rates on existing balances if they provided consumers clear notification 90 days in advance, provided that the issuer had previously specified this ability to consumers in their contract and at least once every year thereafter." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h99" ns:title="H. Amd. 99: Amendment sought to allow creditors to use retroactive rate increases, universal default, and &quot;double cycle billing&quot; practices as long as they offer at least one card option that does not have those billing features to all of their existing customers." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h100" ns:title="H. Amd. 100: Amendment provides that the amount of a balance following a notice of a rate increase would be protected from the rate of increase as of the 7-day mark instead of the 14-day mark." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h101" ns:title="H. Amd. 101: Amendment requires credit card issuers to provide enhanced disclosure to consumers regarding minimum payments, including a written Minimum Payment Warning statement on all monthly statements as well as information regarding the monthly payment amount and total cost that would be required for the consumer to eliminate the outstanding balance in 12, 24 and 36 months; and requires credit card issuers to provide a toll-free telephone number at which the consumer may receive information about accessing credit counseling and debt management services." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h102" ns:title="H. Amd. 102: Amendment requires card issuers to notify cardholders 30 days in advance before closing their accounts; provide the reason for the account closure; provide options for keeping the account open; make programs available to repay the balance; and provide the resulting impact on cardholders credit scores." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h103" ns:title="H. Amd. 103: Amendment requires a 6-month period for a promotional rate for credit cards before the standard rate may be increased." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h104" ns:title="H. Amd. 104: Amendment requires creditors to post their credit card written agreements on their websites and requires the Federal Reserve Board to compile and report those agreements on its website." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h105" ns:title="H. Amd. 105: Amendment restricts credit card issuers from making adverse reports to credit rating agencies regarding deployed military service members and disabled veterans during the first two years of their disability." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/h106" ns:title="H. Amd. 106: Amendment allows consumers who have not activated an issued credit card within 45 days, to contact the issuing institution to cancel the card and have it removed from their credit report entirely. If, after 45 days, the card has not been activated, it will be automatically removed from any such report." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1058" ns:title="S. Amd. 1058: In the nature of a substitute." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1059" ns:title="S. Amd. 1059: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1060" ns:title="S. Amd. 1060: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1061" ns:title="S. Amd. 1061: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1062" ns:title="S. Amd. 1062: To establish a national consumer credit usury rate." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1063" ns:title="S. Amd. 1063: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1064" ns:title="S. Amd. 1064: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1065" ns:title="S. Amd. 1065: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1066" ns:title="S. Amd. 1066: To specify acceptable forms of identification for the opening of credit card accounts." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1067" ns:title="S. Amd. 1067: To protect innocent Americans from violent crime in national parks and refuges." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1068" ns:title="S. Amd. 1068: To protect innocent Americans from violent crime in national parks and refuges." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1069" ns:title="S. Amd. 1069: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1070" ns:title="S. Amd. 1070: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1071" ns:title="S. Amd. 1071: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1072" ns:title="S. Amd. 1072: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1073" ns:title="S. Amd. 1073: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1074" ns:title="S. Amd. 1074: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1075" ns:title="S. Amd. 1075: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1076" ns:title="S. Amd. 1076: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1077" ns:title="S. Amd. 1077: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1078" ns:title="S. Amd. 1078: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1079" ns:title="S. Amd. 1079: To end abuse, promote disclosure, and provide protections to small businesses that rely on credit cards." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1080" ns:title="S. Amd. 1080: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1081" ns:title="S. Amd. 1081: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1082" ns:title="S. Amd. 1082: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1083" ns:title="S. Amd. 1083: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1084" ns:title="S. Amd. 1084: To amend the Fair Credit Reporting Act to require reporting agencies to provide free credit reports in the native language of certain non-English speaking consumers." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1085" ns:title="S. Amd. 1085: To enhance public knowledge regarding the national debt by requiring the publication of the facts about the national debt on IRS instructions, Federal websites, and in new legislation." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1086" ns:title="S. Amd. 1086: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1087" ns:title="S. Amd. 1087: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1088" ns:title="S. Amd. 1088: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1089" ns:title="S. Amd. 1089: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1090" ns:title="S. Amd. 1090: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1091" ns:title="S. Amd. 1091: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1092" ns:title="S. Amd. 1092: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1093" ns:title="S. Amd. 1093: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1094" ns:title="S. Amd. 1094: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1095" ns:title="S. Amd. 1095: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1096" ns:title="S. Amd. 1096: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1097" ns:title="S. Amd. 1097: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1098" ns:title="S. Amd. 1098: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1099" ns:title="S. Amd. 1099: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1100" ns:title="S. Amd. 1100: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1101" ns:title="S. Amd. 1101: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1102" ns:title="S. Amd. 1102: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1103" ns:title="S. Amd. 1103: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1104" ns:title="S. Amd. 1104: To require the Comptroller General to conduct a study on the relationship between fluency in the English language and financial literacy." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1105" ns:title="S. Amd. 1105: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1106" ns:title="S. Amd. 1106: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1107" ns:title="S. Amd. 1107: To address stored value devices and cards." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1108" ns:title="S. Amd. 1108: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1109" ns:title="S. Amd. 1109: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1110" ns:title="S. Amd. 1110: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1111" ns:title="S. Amd. 1111: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1112" ns:title="S. Amd. 1112: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1113" ns:title="S. Amd. 1113: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1114" ns:title="S. Amd. 1114: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1115" ns:title="S. Amd. 1115: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1116" ns:title="S. Amd. 1116: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1117" ns:title="S. Amd. 1117: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1118" ns:title="S. Amd. 1118: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1119" ns:title="S. Amd. 1119: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1120" ns:title="S. Amd. 1120: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1121" ns:title="S. Amd. 1121: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1122" ns:title="S. Amd. 1122: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1123" ns:title="S. Amd. 1123: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1124" ns:title="S. Amd. 1124: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1125" ns:title="S. Amd. 1125: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1126" ns:title="S. Amd. 1126: To amend the Federal Deposit Insurance Act with respect to the extension of certain limitations." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1127" ns:title="S. Amd. 1127: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1129" ns:title="S. Amd. 1129: Amendment information not available." />
		<usbill:hasAmendment rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/bills/amendments/s1130" ns:title="S. Amd. 1130: Of a perfecting nature." />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/A000014" ns1:name="Neil Abercrombie" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/A000022" ns1:name="Gary Ackerman" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B001234" ns1:name="Joe Baca" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B000410" ns1:name="Howard Berman" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B000490" ns1:name="Sanford Bishop" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B001242" ns1:name="Timothy Bishop" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B000574" ns1:name="Earl Blumenauer" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B001245" ns1:name="Madeleine Bordallo" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B000652" ns1:name="Leonard Boswell" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B001227" ns1:name="Robert Brady" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C001037" ns1:name="Michael Capuano" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C000984" ns1:name="Elijah Cummings" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/D000096" ns1:name="Danny Davis" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/D000599" ns1:name="Lincoln Davis" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/D000598" ns1:name="Susan Davis" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/D000191" ns1:name="Peter DeFazio" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/D000210" ns1:name="William Delahunt" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/D000216" ns1:name="Rosa DeLauro" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/D000399" ns1:name="Lloyd Doggett" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/E000179" ns1:name="Eliot Engel" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/E000215" ns1:name="Anna Eshoo" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/F000116" ns1:name="Bob Filner" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/F000339" ns1:name="Barney Frank" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/G000544" ns1:name="Charles Gonzalez" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/G000309" ns1:name="Barton Gordon" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/G000410" ns1:name="Raymond Green" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/G000551" ns1:name="Raul Grijalva" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/G000535" ns1:name="Luis Gutierrez" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/H000213" ns1:name="Jane Harman" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/H000324" ns1:name="Alcee Hastings" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/H000627" ns1:name="Maurice Hinchey" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/H000636" ns1:name="Rub鮠Hinojosa" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/H001034" ns1:name="Michael Honda" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/I000026" ns1:name="Jay Inslee" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/I000057" ns1:name="Steve Israel" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/J000283" ns1:name="Jesse Jackson" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/J000032" ns1:name="Sheila Jackson-Lee" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/J000255" ns1:name="Walter Jones" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/K000008" ns1:name="Paul Kanjorski" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/K000113" ns1:name="Patrick Kennedy" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000559" ns1:name="James Langevin" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000557" ns1:name="John Larson" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000551" ns1:name="Barbara Lee" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000263" ns1:name="Sander Levin" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000287" ns1:name="John Lewis" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000397" ns1:name="Zoe Lofgren" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000480" ns1:name="Nita Lowey" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000562" ns1:name="Stephen Lynch" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M000133" ns1:name="Edward Markey" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M000312" ns1:name="James McGovern" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M000725" ns1:name="George Miller" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M001154" ns1:name="R. Miller" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M000933" ns1:name="James Moran" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/N000002" ns1:name="Jerrold Nadler" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/N000147" ns1:name="Eleanor Norton" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/O000007" ns1:name="David Obey" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/O000085" ns1:name="John Olver" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/P000096" ns1:name="William Pascrell" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/R000011" ns1:name="Nick Rahall" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S001145" ns1:name="Janice Schakowsky" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S001150" ns1:name="Adam Schiff" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S000248" ns1:name="Jos頓errano" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S000344" ns1:name="Brad Sherman" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S000810" ns1:name="Fortney Stark" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S001045" ns1:name="Bart Stupak" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/T000074" ns1:name="Gene Taylor" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/T000266" ns1:name="John Tierney" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/V000128" ns1:name="Christopher Van Hollen" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/V000108" ns1:name="Peter Visclosky" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/W000187" ns1:name="Maxine Waters" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/W000207" ns1:name="Melvin Watt" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/W000215" ns1:name="Henry Waxman" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/W000792" ns1:name="Anthony Weiner" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/W000738" ns1:name="Lynn Woolsey" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/W000793" ns1:name="David Wu" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C001058" ns1:name="Ben Chandler" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B001252" ns1:name="John Barrow" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000563" ns1:name="Daniel Lipinski" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C001060" ns1:name="Russ Carnahan" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C001061" ns1:name="Emanuel Cleaver" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/H001038" ns1:name="Brian Higgins" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/G000553" ns1:name="Al Green" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M001163" ns1:name="Doris Matsui" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S001165" ns1:name="Albio Sires" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M001167" ns1:name="Harry Mitchell" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/G000554" ns1:name="Gabrielle Giffords" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M001166" ns1:name="Jerry McNerney" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C001069" ns1:name="Joe Courtney" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C001066" ns1:name="Kathy Castor" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/J000288" ns1:name="Henry Johnson" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/H001042" ns1:name="Mazie Hirono" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B001259" ns1:name="Bruce Braley" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000565" ns1:name="David Loebsack" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/Y000062" ns1:name="John Yarmuth" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/W000799" ns1:name="Timothy Walz" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/E000288" ns1:name="Keith Ellison" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S001170" ns1:name="Carol Shea-Porter" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C001067" ns1:name="Yvette Clarke" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/H001039" ns1:name="John Hall" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/A000363" ns1:name="Michael Arcuri" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S001174" ns1:name="Betty Sutton" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M001168" ns1:name="Patrick Murphy" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C001068" ns1:name="Steve Cohen" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/W000800" ns1:name="Peter Welch" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/T000465" ns1:name="Niki Tsongas" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C001072" ns1:name="Andr頃arson" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S001175" ns1:name="Jackie Speier" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/E000290" ns1:name="Donna Edwards" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/B001263" ns1:name="John Boccieri" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/C001078" ns1:name="Gerald Connolly" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/D000608" ns1:name="Kathleen Dahlkemper" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/K000372" ns1:name="Mary Jo Kilroy" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/K000369" ns1:name="Larry Kissell" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/K000371" ns1:name="Frank Kratovil" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/L000570" ns1:name="Ben Lujan" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M001171" ns1:name="Daniel Maffei" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M001172" ns1:name="Betsy Markey" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/M001173" ns1:name="Eric Massa" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/N000183" ns1:name="Glenn Nye" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/P000595" ns1:name="Gary Peters" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/P000596" ns1:name="Pedro Pierluisi" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/P000597" ns1:name="Chellie Pingree" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/S001178" ns1:name="Mark Schauer" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/T000466" ns1:name="Harry Teague" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/T000468" ns1:name="Dina Titus" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/T000469" ns1:name="Paul Tonko" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/F000455" ns1:name="Marcia Fudge" />
		<usbill:cosponsor rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/people/Q000023" ns1:name="Mike Quigley" />
		<ns:subject>Government information and archives</ns:subject>
		<ns:subject>Interest, dividends, interest rates</ns:subject>
		<ns:subject>Administrative law and regulatory procedures</ns:subject>
		<ns:subject>Finance and financial sector</ns:subject>
		<ns:subject>Consumer credit</ns:subject>
		<ns:subject>Banking and financial institutions regulation</ns:subject>
		<ns:subject>Federal Reserve System</ns:subject>
		<usbill:status>enacted</usbill:status>
		<usbill:inCommittee rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/committees/HouseFinancialServices" />
		<usbill:inCommittee rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/committees/HouseFinancialServices/FinancialInstitutionsandConsumerCredit" />
		<usbill:title>H.R. 627: To amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.</usbill:title>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Sponsor introductory remarks on measure. (CR E122)</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-01-22</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Referred to the House Committee on Financial Services.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-01-22</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Referred to the Subcommittee on Financial Institutions and Consumer Credit.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-03-19</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Subcommittee Hearings Held.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-03-19</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Subcommittee Consideration and Mark-up Session Held.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-04-01</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Subcommittee Consideration and Mark-up Session Held.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-04-02</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote .</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-04-02</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Committee Consideration and Mark-up Session Held.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-04-22</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 19.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-04-22</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Reported (Amended) by the Committee on Financial Services. H. Rept. 111-88.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-27T20:43:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Placed on the Union Calendar, Calendar No. 41.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-27T20:44:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Consideration initiated pursuant to a previous order.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-29T17:07:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Considered pursuant to a previous order.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-29T17:09:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>The House resolved into Committee of the Whole on the state of the Union pursuant to special order.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-29T17:09:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>The Speaker designated the Honorable Henry Cuellar to act as Chairman of the Committee.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-29T17:09:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>GENERAL DEBATE - Pursuant to a previous special order, the Committee of the Whole proceeded with one hour of general debate on H.R. 627.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-29T17:09:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Committee of the Whole House on the state of the Union rises leaving H.R. 627 as unfinished business.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-29T18:22:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Rules Committee Resolution H. Res. 379 Reported to House. Rule provides for consideration of H.R. 627. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill. All points of order against the committee amendment in the nature of a substitute are waived except those arising under clause 10 of rule XXI.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-29T18:51:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Rule H. Res. 379 passed House.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T11:39:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Considered as unfinished business.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T11:40:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>The House resolved into Committee of the Whole House on the state of the Union for further consideration.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T11:40:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>FURTHER CONSIDERATION OF H.R. 627 - Pursuant to the provisions of H.Res. 379, the Committee of the Whole resumed consideration of H.R. 627 and the amendments made in order thereto by the rule.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T11:40:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 20 minutes of debate on the Gutierrez amendment number 1.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T11:41:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Frank amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T11:53:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Slaughter amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T12:02:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>POSTPONED PROCEEDINGS - At the conclusion of debate on the Slaughter amendment, the Chair put the question on adoption of the amendment and by voice vote, announced the ayes had prevailed. Mr. Neugebauer demanded a recorded vote and the Chair postponed further proceedings until later in the legislative day.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T12:13:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Gutierrez amendment number 4.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T12:14:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Pingree(ME) amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T12:23:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Polis amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T12:28:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Jones amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T12:33:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Maloney amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T12:42:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>POSTPONED PROCEEDINGS - At the conclusion of debate on the Maloney amendment, the Chair put the question on adoption of the amendment and by voice vote, announced the ayes had prevailed. Mr. Neugebauer demanded a recorded vote and the Chair postponed further proceedings until later in the legislative day.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T12:51:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Hensarling amendment number 9.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T12:52:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Hensarling amendment number 10.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T13:04:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Minnick amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T13:15:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Price(NC) amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T13:18:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Gutierrez amendment number 13.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T13:23:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Perriello amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T13:31:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee on the Whole proceeded with 10 minutes of debate on the Schauer amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T13:40:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Teague amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T13:50:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Pursuant to the provisions of H.Res. 379, the Committee of the Whole proceeded with 10 minutes of debate on the Schock amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T14:03:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>The House rose from the Committee of the Whole House on the state of the Union to report H.R. 627.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T14:48:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>The previous question was ordered pursuant to the rule.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T14:49:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T14:49:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Mr. Roskam moved to recommit with instructions to Financial Services.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T14:50:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Floor summary: DEBATE - The House proceeded with 10 minutes of debate on the Roskam motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment to add a section entitled Trigger for Enactment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T14:50:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>The previous question on the motion to recommit with instructions was ordered without objection.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T15:02:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>On motion to recommit with instructions Failed by recorded vote: 164 - 263 (Roll no. 227).</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T15:21:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:VoteAction>
				<usbill:voteResult>pass</usbill:voteResult>
				<usbill:vote rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/house/votes/2009-228" ns:title="On Passage: H R 627 Credit Cardholders’ Bill of Rights Act of 2009" />
				<ns:description>On passage Passed by recorded vote: 357 - 70 (Roll no. 228).</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T15:35:00-04:00</time:at>
			</usbill:VoteAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 627.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-04-30T15:35:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 55.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-04-30</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Motion to proceed to consideration of measure made in Senate.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-06</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Cloture motion on the motion to proceed to the measure presented in Senate.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-06</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Motion to proceed to consideration of measure withdrawn in Senate.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-06</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Cloture motion on the motion to proceed to the measure withdrawn by unanimous consent in Senate.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-07</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Measure laid before Senate by unanimous consent.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-11</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Considered by Senate.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-12</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Considered by Senate.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-13</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Cloture motion on the bill presented in Senate.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-13</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Considered by Senate.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-14</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Cloture motion on the bill withdrawn by unanimous consent in Senate.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-14</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Considered by Senate.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-19</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:VoteAction>
				<usbill:voteResult>pass</usbill:voteResult>
				<usbill:vote rdf:resource="http://www.rdfabout.com/rdf/usgov/congress/111/senate/votes/2009-194" ns:title="On Passage of the Bill (H.R. 627 As Amended)" />
				<ns:description>Passed Senate with an amendment by Yea-Nay Vote. 90 - 5. Record Vote Number: 194.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-19</time:at>
			</usbill:VoteAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Message on Senate action sent to the House.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-19</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Mr. Frank (MA) moved that the House agree to the Senate amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-05-20T12:48:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>DEBATE - Puruant to the provisions of H. Res. 456, the House proceeded with one hour of debate on the motion to agree to the Senate amendment to H.R. 627. Pursuant to the provisions of H. Res. 456 and at the conclusion of debate on the motion, the Chair will put the question in divided portions.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-05-20T12:48:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>The previous question was ordered pursuant to the rule.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-05-20T13:49:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>On motion to agree to all but section 512 of the Senate amendment Agreed to by recorded vote: 361 - 64 (Roll no. 276).</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-05-20T14:15:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>On motion to agree to section 512 of the Senate amendment Agreed to by the Yeas and Nays: 279 - 147 (Roll no. 277).</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-05-20T14:24:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Pursuant to the provisions of H. Res. 456, the House is considered to have agreed to the Senate amendment.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2009-05-20T14:25:00-04:00</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Cleared for White House.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-20</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Presented to President.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-21</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Signed by President.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-22</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:hadAction>
			<usbill:LegislativeAction>
				<ns:description>Became Public Law No: 111-24.</ns:description>
				<time:at rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2009-05-22</time:at>
			</usbill:LegislativeAction>
		</usbill:hadAction>
		<usbill:relatedTo>
			<rdf:Description rdf:about="http://www.rdfabout.com/rdf/usgov/congress/111/bills/s235">
				<rdfschema:label>S. 235: Credit Cardholders' Bill of Rights Act of 2009 (111th Congress)</rdfschema:label>
				<ns:title>S. 235: Credit Cardholders' Bill of Rights Act of 2009</ns:title>
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				<ns:title>S. 414: Credit Card Accountability Responsibility and Disclosure Act of 2009</ns:title>
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				<rdfschema:label>H.Res. 456: Providing for the consideration of the Senate amendment to the bill (H.R. 627) to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes. (111th Congress)</rdfschema:label>
				<ns:title>H.Res. 456: Providing for the consideration of the Senate amendment to the bill (H.R. 627) to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.</ns:title>
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				<rdfschema:label>H.Res. 379: Providing for further consideration of the bill (H.R. 627) to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes. (111th Congress)</rdfschema:label>
				<ns:title>H.Res. 379: Providing for further consideration of the bill (H.R. 627) to amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.</ns:title>
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		<usbill:number>627</usbill:number>
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