New restrictions on credit card companies take effect. What the new law means for consumers and banks, and loopholes to watch out for.


  • Edmund Mierzwinski Director, U.S. PIRG Consumer Program
  • Robert Manning author of "Credit Card Nation" and "Living With Debt," and the founder of the Responsible Debt Relief Institute.
  • Nessa Feddis Senior Federal Counsel, American Bankers Association
  • Nancy Trejos Washington Post correspondent and author of the book "Hot Broke Messes: How to have your latte and drink it too."

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