The House Financial Services Committee has posted the full roster of amendments to the Consumer Financial Protection Agency Act and the Expedited CARD Reform for Consumers Act of 2009, which were both approved yesterday. I've already written extensively on the CFPA victory. The credit card bill implements remaining provisions of the Credit CARD Act of (May) 2009 as of December 1, instead of next year. Unfortunately, "small" credit card companies with fewer than 2 million (that's million, not thousand) cards in circulation and gift cards were both exempted from the new deadlines. I would be not be surprised to find that some predatory high-fee credit cards marketed to small numbers of consumers will be able to take advantage of the exception, but at least the big banks will not. Had the big banks not abused consumers with high fees and interest rates since the new Credit CARD Act passed, this legislation would not have necessary. We expect it to pass the floor quickly and move to the Senate.