ACTION PAGE: It's Time To Stop Unregulated Credit Card Ripoffs Do you feel abandoned, even insulated from governmental protections at the behest of predatory lenders? Lately, all of the attention has been on the subprime lenders. HR 5244 [Text of bill] would finally address the Al Capone tactics used by America’s credit card industry to extract unconscionable and exorbitant late charges and arbitrary interest rate hikes from consumers making business choices for payment at a later date. Tell Congress, (1) No outrageous fees, (2) No unfair rate hikes,(3) No hidden interest charges, (4) No late fees when I pay on time, (5) No unjust changes in terms, and (6) No more "gotcha" penalties. The time has come for Congress to institute real regulation of all credit card companies. Has any candidate in this District, to include the incumbent, signaled an inclination to actually help you through the terrible economic downturn facing us all? Yes, it is time for consumer reform to end the unfair credit practice being deployed by the industry. The one click form below will send your personal message to all your government representatives selected below, with the subject "Support HR 5244 Credit Cardholders Bill of Rights Act." At the same time you can send your personal comments only as a letter to the editor of your nearest local daily newspaper if you like. Constituent info:    Email: Mr. Mrs. Ms. Miss Dr. FirstName: LastName: This information is required by all members of Congress and by most local newspapers for consideration for publication, but is not transmitted in messages sent to any additional "friends" emails. Addr: Apt/Ste: City: State: AL AK AS AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA PR RI SC SD TN TX UT VT VA VI WA WV WI WY Zip: Phone: Select your recipients:  Both my U.S. senators    My member of the House of Representatives    My nearest daily newspaper    I'd like to choose a paper myself   No paper Next add your own personal message on the subject: All comments should be appropriately respectful and in acceptable taste. If one of your recipients is also a newspaper there is a minimum of 10 and a maximum of about 250 words. Your signature will be added automatically. Submission of this form constitutes authorization to publish your letter in your local newspaper if that option is selected above. View last 25 messages sent Submit the email addresses of friends to invite to write as well: The way to have maximum impact is by sending speak out invitations to as many of your fellow constituents as possible and encourage them to make their voices heard also. You can either enter them directly. [this textbox will extract the email addresses from any text you paste or type in here] I would like to hear more about this and other issues. Now send your message(s)   Just click once If you need help with the form or for a simplified version of this action page click here.