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HR 1637 111th Congress House

Universal Default Prohibition Act of 2009

Official title: To amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes.

Introduced: March 19, 2009 See on congress.gov
Finance and Financial Sector Consumer creditInterest, dividends, interest rates
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This bill died when the 111th Congress ended
It never became law before the 111th Congress (2009–2010) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 19, 2009
Referred to the House Committee on Financial Services.
Mar 19, 2009
Introduced in House
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 Latest action March 19, 2009

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Universal Default Prohibition Act of 2009 - Amends the Truth in Lending Act to prohibit a creditor from: (1) using any adverse information concerning any consumer, including any in a consumer report or any change in the consumer's credit score, as the basis for increasing any annual percentage rate of interest (APR) for a credit card account of the consumer's under an open end consumer credit plan; or (2) removing or increasing any introductory APR for that account, for reasons other than actions or omissions of the consumer directly related to the account.

Requires such limitation on the use of adverse information to be clearly and conspicuously described to the consumer by the credit card issuer.

 Related & companion bills 1
  • S 399 Identical bill Universal Default Prohibition Act of 2009
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 2
All 2 Democratic 2
D
Cleaver, Emanuel
Missouri · Mar 19, 2009
 D
Green, Al
Texas · Mar 19, 2009
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 1637: Universal Default Prohibition Act of 2009. 111th Congress. Open America. https://openamerica.io/bill/111-HR-1637/
MLA
"H.R. 1637: Universal Default Prohibition Act of 2009." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-1637/.
Bluebook (legal)
H.R. 1637, 111th Cong. (2026), https://openamerica.io/bill/111-HR-1637/.
Markdown link
[H.R. 1637: Universal Default Prohibition Act of 2009](https://openamerica.io/bill/111-HR-1637/)
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