02/29/2016
https://congress.gov...
"There are some real problems with credit cards."
"But to wait 18 months to stop the illegal activity is astonishing, and it is just not acceptable."
"They are forced into chapter 13 repayment."
"Does any one of the panelists agree with my basic theory, that 18 months waiting to implement these regulations is beyond what is necessary for computer--I have got to think Bill Gates could have done..."