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HR 4197 99th Congress House

Full Credit Card Cost Disclosure Act

Official title: A bill to provide for more detailed and uniform disclosure by credit card issuers with respect to information on interest rates and other fees which may be inc… Show full official titleShow less

Official title: A bill to provide for more detailed and uniform disclosure by credit card issuers with respect to information on interest rates and other fees which may be incurred by consumers through the use of any credit card.

Introduced: March 5, 1986 Introduced by: Schumer, Charles E. Democratic · New York See on congress.gov
Commerce Consumer creditConsumer educationConsumer protectionCredit
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Credit cardsFinance and Financial SectorFinance chargesInterestInterest rates
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This bill died when the 99th Congress ended
It never became law before the 99th Congress (1985–1986) 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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Feb 19, 1986
Referred to Subcommittee on Consumer Affairs and Coinage.
Feb 19, 1986
Referred to House Committee on Banking, Finance and Urban Affairs.
Feb 19, 1986
Introduced in House
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 Latest action February 19, 1986

Referred to Subcommittee on Consumer Affairs and Coinage.

 Plain-English summary Congressional Research Service

Full Credit Card Cost Disclosure Act - Amends the Truth in Lending Act to require that any credit card solicitation include information regarding finance charge conditions, interest rates, and other related charges and fees. Requires such information, as prescribed by the Board of Governors of the Federal Reserve System, to be prominently displayed and in table form.

 Committees of jurisdiction 2
 Cosponsors 4
All 4 Democratic 1
D
Kaptur, Marcy
Ohio · May 6, 1986
KLECZKA, GERALD
· May 6, 1986
BEREUTER, DOUGLAS
· Mar 5, 1986
LIPINSKI, WILLIAM
· Mar 5, 1986
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4197: Full Credit Card Cost Disclosure Act. 99th Congress. Open America. https://openamerica.io/bill/99-HR-4197/
MLA
"H.R. 4197: Full Credit Card Cost Disclosure Act." 99th Congress, 2026, Open America, https://openamerica.io/bill/99-HR-4197/.
Bluebook (legal)
H.R. 4197, 99th Cong. (2026), https://openamerica.io/bill/99-HR-4197/.
Markdown link
[H.R. 4197: Full Credit Card Cost Disclosure Act](https://openamerica.io/bill/99-HR-4197/)
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