Barack Obama actually said...

For too long, credit card companies have had free rein to employ deceptive, unfair tactics that hit responsible consumers with unreasonable ...

Today the major reforms of the Credit Card Accountability Responsibility and Disclosure Act that I signed into law last spring take effect, ...

We still have photographs of some of you that we may use at any point.

The truth is, the reason it worked is because of some very tough choices that many of you made.