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State Legislative Proposals |
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Arkansas |
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HB1147 |
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| "An Act to Restrict Credit Card Solicitation on College Campuses" | |||||
California |
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"Public postsecondary education: credit card marketing practices." "An act to add Chapter 1.3 (commencing with Section 99030) to Part 65 of the education Code, relating to public postsecondary education." |
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| See also "Cal State Thwarts the Credit Card Companies" Student Advantage and "California Consumer Advocates Lobby for Credit Card Policies for Students". The Record, September 18, 2000. | |||||
Illinois |
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| "HYNES ATTENDS U OF I QUAD DAY, ANNOUNCES PLANS TO TOUR COLLEGE CAMPUSES STATEWIDE, ADDRESSES CREDIT CARD DEBT ISSUES", Illinois Comptroller's Office, Press Release, August 21, 2001. | |||||
Iowa |
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| "Credit Cards on Student Incomes: Proceed With Caution - and Shop With Care!", Attorney General Warning | |||||
Florida |
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| "State University/Credit & Debit Card; authorizes institutions in State University System to accept payment of tuition & fees by credit cards or debit cards without imposing convenience fee for card use; authorizes such institutions to absorb costs of using such cards; authorizes such institutions to enter into contracts with financial institutions for certain purposes; requires universities to provide certain education re credit card use & debt management." | |||||
Kentucky |
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| AN ACT relating to credit cards. Create new sections of KRS Chapter 164 to require a credit card issuer to register with the university before soliciting students on campus; to require the registration to include an agreement that the credit card issuer will not provide an application to a student unless the student has signed a credit card education information sheet designed by the Council on Postsecondary Education; to prohibit the offer of gifts or any other promotional incentives on campus to students to entice students to apply for credit cards; to prohibit the credit card issuer from providing an application unless the student has signed a credit card education information sheet; to require an institution to include a credit seminar within its freshman orientation if the institution permits solicitation on campus; to prohibit any debt collection action by a credit card issuer against the parent or legal guardian of the student unless the parent or guardian has agreed in writing to be liable for credit card debts of the student; to direct that a credit card issuer be fined not less than $500 but not more than $1,000 for each violation, March 27, 2000 | |||||
Hawaii |
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| "REQUESTING THE BOARD OF REGENTS OF THE UNIVERSITY OF HAWAII TO ADOPT A POLICY TO RESTRICT THE DIRECT SOLICITATION ON CAMPUS OF STUDENTS FOR CREDIT CARD ACCOUNTS AND TO OFFER CONSUMER CREDIT SEMINARS AS PART OF FRESHMAN ORIENTATION" | |||||
| See also "Hawaii House Supports Credit Resolution", Student Advantage, April 19, 2000. | |||||
Louisiana |
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HB1353
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| "Requires registration for credit card companies soliciting on college campuses and prohibits certain debt collection actions" | |||||
Maryland |
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| An Act concerning Consumer Protection - Credit Cards - Student Applicants and Cardholders | |||||
| "Prohibiting credit card issuers from purchasing or otherwise obtaining from an institution of higher education specified information about the students at the institution of higher education; requiring credit card issuers that solicit credit card applicants on campuses of institutions of higher education to provide specified educational opportunities for students at the institutions of higher education; etc." | |||||
| An Act concerning Consumer Protection - Credit Cards - Student Applicants | |||||
| "Requiring credit card issuers that conduct credit card marketing activities on a campus of an institution of higher education in Maryland to provide a program of education on the responsible use of credit to students on that campus and their families; ... and prohibiting the issuance of a credit card to a student enrolled at an institution unless the application includes reasonable proof that the applicant has attended the program." | |||||
Massachusetts |
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"Regulating credit card company access to college campuses", August 12, 1989 |
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New Hampshire |
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| "Establishing a study committee on student credit card debt and regulation of credit card solicitation on college campuses" | |||||
New Jersey |
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| "Prohibits public institutions of higher education from permitting direct solicitation of students for credit card accounts", 208th LEGISLATURE, MARCH 16, 1998. | |||||
| See comments on Rutger's University Credit Card Solicitation Policies page. April 21, 1999. | |||||
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New York |
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| "Prohibits the direct merchandising of credit cards through SUNY and CUNY to any enrolled student; defines direct merchandising", (New York State Assembly bill, same as S 1232), 2001-2002 Legislative Session. | |||||
North Carolina |
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"Credit Card Solicitation/Colleges", April 15, 1999. |
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Oklahoma |
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SB23 |
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| "Consumer credit; prohibiting lender, seller or other credit issuer from issuing, providing, assigning or delivering credit card account to persons under twenty-one years of age without approval; prohibiting institutions of higher education from entering into agreement for merchandising of credit cards to students" (1st Session of the 47th Legislature (1999) | |||||
Pennsylvania |
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| "An Act requiring credit card companies to register with institutions of higher education prior to solicitation of credit card applications from certain students; providing for parental consent for certain students who complete credit card applications; and prohibiting debt collection practices against certain parents." January 20, 1999. | |||||
| See also Rep. William Robinson's "Bill's Book" column, "Students and bad credit card debt - Part 2" Wednesday, June 30, 1999 and "College campus credit card solicitation act: Press conference remarks" by State Rep. W. Curtis Thomas | |||||
Rhode Island |
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| "This act would prohibit the solicitation of retail credit applications from public school students", January 6, 2000. | |||||
South Carolina |
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| "Consumer credit sales, loans; credit cards not to be advertised on college campuses; Banks and Savings and Loans", Legislative History, January 19, 2000. | |||||
Tennessee |
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| "Credit and Debit Cards - Places restrictions on institutions of University of Tennessee or state board of regents system concerning credit or credit card solicitations of students; makes it unlawful for credit card issuer or issuer of credit to solicit or provide promotional incentives to students at such institutions. - Amends TCA Title 49, Chapter 7, Part 1." Introduced February 1, 2000. | |||||
| "Giving Kids Credit", WKRN, February 27, 2001. | |||||
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"Credit and Debit Cards - Prohibits public institutions of higher education from selling or distributing student lists to credit card issuers; prohibits credit card issuers from attempting to secure such lists." |
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| See also "Credit deal leaves many in debt" Daily Beacon, Vol. 84, No. 15. | |||||
| "Requires any institution of University of Tennessee or state board of regents system that receives funds from credit card distributions to students or uses school logs to report amount of funds received and how such funds were used to joint oversight committee on education." April 5, 2000. | |||||
Virginia |
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| "Requests
public and private institutions of higher education to provide information
on consumer credit and the dangers of substantial credit card debt
to students and their parents during freshman orientation, and together
with other notices, bills, and information."
This resolution is a recommendation of the Joint Subcommittee Studying the Status and Needs of African-American Males in Virginia. March 11, 1999 |
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| "Institutions of higher education; direct solicitation of student credit cards. Authorizes the boards of visitors (governing bodies) of public institutions of higher education to establish rules and regulations that prohibit direct solicitation, marketing, and distribution of credit cards to students enrolled at the institution on campus grounds and property owned by the institution, or owned by the state and controlled by the board of visitors. The rules and regulations may not restrict the right of the credit card vendors, financial institutions, or other consumer credit companies to contact students by mail, telephone, or electronic means." February 11, 2000 | |||||
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Washington |
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| "An act relating to marketing credit cards to college students" | |||||
| See also Sen. Julia Patterson, "Credit: Used incorrectly, it can be dangerous", Feb 7., 2000 press release and "A breakwater against rising youthful debt," Seattle Times editorial, February 17, 2000 | |||||
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