To read an excellent summary about abuse of credit card consumers, see: "The Credit Card Market and Regulation: In Need of Repair" by Carolyn Carter, Elizabeth Renuart, Margot Saunders, and Chi Chi Wu, who all are lawyers with the National Consumer Law Center.

Published in March 2006, "this paper was originally one part of comprehensive comments submitted by the National Consumer Law Center (NCLC) to the Federal Reserve Board. The comments were submitted on behalf of the low income clients of the National Consumer Law Center, a variety of other national advocacy groups, and individual members of the Board’s Consumer Advisory Council." The other national advocacy groups who participated in this submission to the Fed include:

The Consumer Federation of America (CFA), Consumers Union (CU -- publisher of Consumer Reports magazine), Demos, The National Association of Consumer Advocates (NACA), The U.S. Public Interest Research Group (U.S. PIRG), and The Woodstock Institute.