`Credit Cardholders’ Bill of Rights Act of 2008′ from http://maloney.house.gov/documents/financial/h.r.5244billtext.pdf To amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes. adverse information concerning any consumer, including any information in any consumer report (as defined in section 603) or any change in the credit score of the consumer, as the basis for increasing any annual percentage rate of interest applicable to the outstanding balance on a credit card account of the consumer under an open end consumer credit plan at the time of any such increase, other than actions or omissions of the consumer that are directly related to such account.’. (b) Any-Time Any-Reason Changes in Terms Eliminated- Section 127B of the Truth in Lending Act is amended by inserting after subsection (a) (as added by subsection