Truth in Lending (Regulation Z) Credit Card ATP Proposal

 
Docket ID: CFPB-2012-0039
Agency: Consumer Financial Protection Bureau (CFPB)
Summary:
On April 25, 2011, the Board of Governors of the Federal Reserve System (Board) issued a final rule that, among other things, amended the provisions of Regulation Z that implement the requirement in the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit Card Act) that card issuers consider a consumer's ability to pay (ATP) before opening a new credit card account or increasing the credit limit on an existing account. These amendments expanded the pre-existing independence standard applicable to consumers under the age of 21 to all consumers, regardless of age. On November 7, 2012 the CFPB published a proposed rule that further amended the ATP provisions of Regulation Z to address concerns that the current rule unduly limits the ability of spouses and partners not working outside the home to obtain credit cards based on spousal/partner income. The proposal eliminated the independent ability-to-pay requirement for consumers and applicants age 21 or older and instead permits card issuers to consider income and assets to which a consumer or applicant has a reasonable expectation of access. The CFPB issued a final rule on April 29, 2013 (published in the Federal Register on May 3, 2013).
RIN: 3170-AA28
Impacts and Effects: None
CFR Citation: 12 CFR 1026.51
Priority: Substantive, Nonsignificant

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      undefined
      • See attached ex parte memo and redacted survey results from Citigroup.

      • Public Submission
      • Posted:

        04/30/2013

      • ID:
        CFPB-2012-0039-0364
      • Organization:
        Citigroup
      • Submitter Name:
        Andrea Edmonds
      undefined
      • See attached ex parte memorandum and attachments from NCLC to the CFPB.

      • Public Submission
      • Posted:

        04/29/2013

      • ID:
        CFPB-2012-0039-0363
      • Organization:
        National Consumer Law Center
      • Submitter Name:
        Lauren Sanders
      undefined
      • See attached ex parte summary, email and letter from the Credit Union National Association to the CFPB on January 7, 2013.

      • Public Submission
      • Posted:

        04/29/2013

      • ID:
        CFPB-2012-0039-0362
      • Organization:
        CUNA
      • Submitter Name:
        Luke Martone
      undefined
      • See attached.

      • Public Submission
      • Posted:

        01/22/2013

      • ID:
        CFPB-2012-0039-0361
      • Organization:
        American Financial Services Association
      • Submitter Name:
        Bill Himpler
      undefined
      • See attached file from the American Financial Services Association.

      • Public Submission
      • Posted:

        01/10/2013

      • ID:
        CFPB-2012-0039-0360
      • Organization:
        AFSA
      • Submitter Name:
        Bill Himpler
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        01/10/2013

      • ID:
        CFPB-2012-0039-0359
      • Organization:
        Citigroup
      • Submitter Name:
        Carl Howard
      undefined
      • See attached file from the Michigan Credit Union League.

      • Public Submission
      • Posted:

        01/10/2013

      • ID:
        CFPB-2012-0039-0358
      • Organization:
        MCUL
      • Submitter Name:
        Dave Adams
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        01/10/2013

      • ID:
        CFPB-2012-0039-0357
      • Organization:
        PSCU
      • Submitter Name:
        Steven Salzer
      • Please support stay at home Moms.

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0356
      • Organization:
        US Senate
      • Submitter Name:
        Melanie Fengler
      • I strongly support the proposed rules to restore stay at home parents fair access to credit. These rules are critical in ensuring that stay at home parents can build and retain...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0355
      • Organization:
        Not applicable
      • Submitter Name:
        Jamie Evanini
      undefined
      • See attachment

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0354
      • Organization:
        Navy Federal Credit Union
      • Submitter Name:
        Lillian Mick
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0353
      • Organization:
        MomsRising.Org
      • Submitter Name:
        Susan White
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0352
      • Organization:
        N/A
      • Submitter Name:
        Tracy Grigoriades
      • I strongly support the proposed rules. Stay at home parents should have equal access to credit regardless of how the income is earned. Financial decisions are made jointly and that...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0351
      • Organization:
        None
      • Submitter Name:
        Koh Lim
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0350
      • Organization:
        Moms Rising
      • Submitter Name:
        Daniel Martucci
      undefined
      • Please find the attached comment letter from ICBA. Thank you.

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0349
      • Organization:
        Independent Community Bankers of America
      • Submitter Name:
        Elizabeth Eurgubian
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0348
      • Organization:
        Mom's Rising
      • Submitter Name:
        April Rose Castillo
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0347
      • Organization:
        Capital One
      • Submitter Name:
        Ducie Le
      undefined
      • Docket No. CFPB-2012-0039 – Proposal to Amend the Ability to Pay Provisions of the Credit Card Accountability Responsibility and Disclosure Act

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0346
      • Organization:
        Consumer Bankers Association
      • Submitter Name:
        Jeffrey Bloch
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0345
      • Organization:
        MomsRising.org
      • Submitter Name:
        Dondi Daugherty
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0344
      • Organization:
        momsrising.org
      • Submitter Name:
        Telisa Davis
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0343
      • Organization:
        Credit Union Association of New York
      • Submitter Name:
        William Mellin
      • I believe people who are stay at home parents deserve positive consideration for credit when applying based on the work they do at home.

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0342
      • Organization:
        Myself
      • Submitter Name:
        Frank Sennett
      • I am writing as a stay at home mom to comment on the importance of being able to access credit. I understand that the new rules will support mothers and fathers in my position who...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0341
      • Organization:
        none-self
      • Submitter Name:
        Christina Phalen
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0340
      • Organization:
        Moms Rising
      • Submitter Name:
        Karina Robinson
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0339
      • Organization:
        Moms rising
      • Submitter Name:
        Sangita Yadav
      • Please uphold the rights of "stay at home" Moms. GLORIA J. ERB

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0338
      • Organization:
        DELAWARE COUNTY HOUSING AUTHORITY
      • Submitter Name:
        GLORIA ERB
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0337
      • Organization:
        None
      • Submitter Name:
        Joy Sipe
      • Please remember that stay at home parents are still adults with an income. just because their name isn't on the paycheck doesn't mean that they didn't help to earn that paycheck. I...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0336
      • Organization:
        The Rocket
      • Submitter Name:
        Elisabeth Oakes
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0335
      • Organization:
        St. Anthony's Outreach
      • Submitter Name:
        Susan Paulson
      • in support!

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0334
      • Organization:
        Momma Love
      • Submitter Name:
        ali smith
      undefined
      • Attached is a comment letter from Nessa Feddis of the American Bankers Association regarding Proposed Rule: “ability to pay” on credit card account, Regulation Z (Truth in Lending...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0333
      • Organization:
        American Bankers Association
      • Submitter Name:
        Nessa Feddis
      • Stay-at-home parents should be able to access credit. WOrking at home managing a family is a job; choosing to do it should not make a person uncreditworthy.

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0332
      • Organization:
        None
      • Submitter Name:
        Jane Dineen
      • Having been a stay-at-home mom, I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0331
      • Organization:
        Moms Rising
      • Submitter Name:
        Diana Darcy
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0330
      • Organization:
        MomsRising
      • Submitter Name:
        Donna Lucier
      • Thank you for fixing this problem! Stay at home parents should have equal access to credit as their working partners.

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0329
      • Organization:
        not part of an organization - I'm a concerned citizen
      • Submitter Name:
        Skye Engstrom
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/09/2013

      • ID:
        CFPB-2012-0039-0328
      • Organization:
        Ted Finger Design
      • Submitter Name:
        Ted Finger
      • Stay at home parents are and should be valued members of society. They should not be denied credit because of no individual work history while parenting minor children. Many stay...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0327
      • Organization:
        Moms Rising
      • Submitter Name:
        Helen Goldenberg
      • Women who do unpaid work in the home bearing children, breastfeeding them, raising our society's future citizens are doing the most important job in the country. Women who are...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0326
      • Organization:
        Every Mother Is A Working Mother Network
      • Submitter Name:
        Marie Fitzpatrick
      • As a stay-at-home parent, I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0325
      • Organization:
        Stay-at-home parent
      • Submitter Name:
        Gretchen Schiltz
      • Although their work is unpaid, stay-at-home parents play a crucial role in managing a family's budget. In my case, I contributed to the family's income through smart shopping...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0324
      • Organization:
        Moms Rising
      • Submitter Name:
        Pam Wilkinson
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0323
      • Organization:
        NA
      • Submitter Name:
        Silvia Hall
      • This is a useful bill that will help stay at home parents and caregivers and will not harm anyone. It's about time that it passes.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0322
      • Organization:
        individual
      • Submitter Name:
        Sally Phelps
      • It is important that stay-at-home parents have access to credit in their own right. Credit cards are essential for air, hotel and car reservations, purchasing - on line and...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0321
      • Organization:
        MomsRising
      • Submitter Name:
        Dena Thaler
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0320
      • Organization:
        n/a
      • Submitter Name:
        Todd Patton
      • Please support the proposed rules to restore stay-at-home parents' fair access to credit. My husband travels a lot and having a credit card has helped in emergency's, buying...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0319
      • Organization:
        Mom's in Prayer
      • Submitter Name:
        Elizabeth Denton
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0318
      • Organization:
        none
      • Submitter Name:
        Amanda Walsh
      • Many families need one parent to stay home in order to care for the children and run the household, and their credit should not be limited as a result.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0317
      • Organization:
        Momsrising.org
      • Submitter Name:
        Susan Emery
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0316
      • Organization:
        MomsRising
      • Submitter Name:
        Cecilia Burns
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making purchases (everywhere...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0315
      • Organization:
        Mothers and More member
      • Submitter Name:
        Stephanie Gunderson
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0314
      • Organization:
        Mocha Moms
      • Submitter Name:
        Bianca Adkins
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0313
      • Organization:
        MomsRising.org
      • Submitter Name:
        Jessica Basile
      • The proposed rule would provide access to credit for stay at home parents. This is essential to avoid financial hardship in the event of death, disability or a split with their...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0312
      • Organization:
        none
      • Submitter Name:
        John Kesich
      • The proposed rule would provide access to credit for stay at home parents. This is essential to avoid financial hardship in the event of death, disability or a split with their...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0311
      • Organization:
        none
      • Submitter Name:
        John Kesich
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Changing these rules is critical in ensuring that stay-at-home parents can build and...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0310
      • Organization:
        MomsRising.org
      • Submitter Name:
        Corinne Lofchie
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. There are many responsible stay-at-home parents and having a credit card is an...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0309
      • Organization:
        n/a concerned citizen
      • Submitter Name:
        Wendi Lewis
      • This rule is vital to Women who make the choice to stay at home for a period of time to raise their kids. It maintains these mothers' ability to care for themselves & their...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0308
      • Organization:
        N/A
      • Submitter Name:
        Karri Schlegel
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0307
      • Organization:
        self
      • Submitter Name:
        Liz Klages
      • My mother was a so-called stay at home mother, but without her, our family resources would never have been amassed or correctly invested. My father was a good doctor but a...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0306
      • Organization:
        momsrising.org
      • Submitter Name:
        Cornelia Kurz
      • I support the ability of stay-at-home parents to get credit in their own name. While I'm not a SAHM, I can see how important it would be to those spouses who do choose to stay at...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0305
      • Organization:
        none
      • Submitter Name:
        Jennie Elliott
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0304
      • Organization:
        Momsrising.org
      • Submitter Name:
        Kathryn Pezzi
      • I support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is essential for helping them establish a credit history. Changing these...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0303
      • Organization:
        NA
      • Submitter Name:
        Mark Creighton
      • I support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is essential for helping them establish a credit history. Changing these...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0302
      • Organization:
        NA
      • Submitter Name:
        Mark Creighton
      • I fully support proposed rules to restore fair access to credit for stay at home parents. I've chosen to be a stay - at - home mom, because I believe it is the most important job I...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0301
      • Organization:
        Mom's Rising
      • Submitter Name:
        Susan Brownhill
      • I wish to register my unwaivering support for the proposed rules to restore stay-at-home parents' fair access to credit. I have been one of those parents for 13 years now, even...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0300
      • Organization:
        none
      • Submitter Name:
        Marie Lanier
      • The role of a stay-at-home mom/dad is a thankless job, yet women/men do it every day for the benefit of their family. I think it's about time that we acknowledge all their hard...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0299
      • Organization:
        MomsRising.Org
      • Submitter Name:
        Marie Perez
      • Stay at Home Moms make the World-Go-Round and deserve equal rights!

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0298
      • Organization:
        Mom's Rising
      • Submitter Name:
        Jerica Pender
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0297
      • Organization:
        ihd
      • Submitter Name:
        dogan ozkan
      • It is sad to watch my friend in an abusive marriage feel like she cannot leave because she does not have access to credit as a stay at home mom. She works just as hard, if not...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0296
      • Organization:
        n/a
      • Submitter Name:
        Lain Smart
      • Kindly restore stay-at-home parents' access to credit. Thank you for your anticipated support.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0295
      • Organization:
        retired
      • Submitter Name:
        Edith Coleman
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0294
      • Organization:
        Mocha Moms
      • Submitter Name:
        Nichelle Jahmani
      • As a stay at home parent, I request equality under the law.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0293
      • Organization:
        MomsRising
      • Submitter Name:
        Patricia Beavin
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0292
      • Organization:
        Missouri Credit Union Association
      • Submitter Name:
        Don Cohenour
      undefined
      • Attached are the comments of Rick Fischer, Morrison & Foerster LLP, on the CFPB's ability-to-pay proposed rule.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0291
      • Organization:
        Morrison & Foerster LLP
      • Submitter Name:
        Rick Fischer
      undefined
      • Attached are the comments of Visa Inc. on the CFPB's ability-to-pay proposed rule.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0290
      • Organization:
        Visa Inc.
      • Submitter Name:
        Russell Schrader
      • So much for Family Values.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0289
      • Organization:
        MomsRising.org
      • Submitter Name:
        Frances Goff
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0288
      • Organization:
        Ohio Credit Union League
      • Submitter Name:
        John Kozlowski
      • Thank you!

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0287
      • Organization:
        Individual
      • Submitter Name:
        Wendy smith
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0286
      • Organization:
        none
      • Submitter Name:
        Karlene Gunter
      • I'm a stay-at-home parent; my spouse earns our family's income & that's where his involvement stops. I take the reins from there for all things financially related for our...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0285
      • Organization:
        Moms Rising
      • Submitter Name:
        Leslie Jagger
      undefined
      • The Retail Industry Leaders Association respectfully request that you consider the attached comment letter in response to Docket No. CFPB-2012-0039. Doug Thompson Vice President...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0284
      • Organization:
        Retail Industry Leaders Association
      • Submitter Name:
        Doug Thompson
      undefined
      • Please accept these comments on behalf of the affiliate members of the League of Southeastern Credit Unions. Thank you.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0283
      • Organization:
        League of Southeastern Credit Unions
      • Submitter Name:
        Patrick LaPine
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0282
      • Organization:
        USAA
      • Submitter Name:
        Stephen Bennett
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0281
      • Organization:
        Mom Rising
      • Submitter Name:
        Maya Pilgrim
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0280
      • Organization:
        USA citizen
      • Submitter Name:
        Thomas Hergert
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0279
      • Organization:
        GCUL
      • Submitter Name:
        Selina Gambrell
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0278
      • Organization:
        America First Federal Credit Union
      • Submitter Name:
        Gary Bingham
      • Please assure these rules are implemented.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0277
      • Organization:
        momsrising
      • Submitter Name:
        Michael Strauss
      • Please adopt the amendment to Regulation Z on the independent ability to repay rule. You do need to remove the current rule previously adopted by the Board. The current rule does...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0276
      • Organization:
        Personal comment
      • Submitter Name:
        Jose Fierro
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases and...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0275
      • Organization:
        momsrising.org
      • Submitter Name:
        Sarah Connelly
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0274
      • Organization:
        n/a
      • Submitter Name:
        Dara Tallmadge
      • My mother is a stay-at-home retiree. She's fortunate enough to have credit. No one should consider themselves lucky or fortunate to be able to have credit.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0273
      • Organization:
        momsrising.org
      • Submitter Name:
        Claire Sisson
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0272
      • Organization:
        none
      • Submitter Name:
        Angela Kocher
      • As stay at home mom, I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0271
      • Organization:
        MomsRising
      • Submitter Name:
        Beth Messersmith
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential tool for making online purchases, making travel...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0270
      • Organization:
        Citizen
      • Submitter Name:
        Todd Snyder
      • I worked for years before I stayed home with my children. In order to get a new credit card I shouldn't need to have my husband's name on it, have him sign for it and talk to the...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0269
      • Organization:
        mom rising
      • Submitter Name:
        jennifer cogan
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0268
      • Organization:
        none
      • Submitter Name:
        Morguine Sefcik
      • I strongly support revising the rules so that credit is available based on household income. I have been a stay-at-home parent for nine years now, and we have begun home schooling...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0267
      • Organization:
        none
      • Submitter Name:
        Deborah Mensch
      • As a forme"stay at home Mom" I can attest to the workload and that I was the glue that held the family, household, and financial structure in place. I had a more than full time...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0266
      • Organization:
        moms rising
      • Submitter Name:
        susan peik
      • I strongly support the proposed rules to restore stay-at-home parents' fair access to credit. Having a credit card is an essential financial tool for making online purchases...

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0039-0265
      • Organization:
        Moms Rising
      • Submitter Name:
        Jahnavi Stenflo
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