As the United States comes out of the Great Recession, we must critically examine the causes of this economic swoon and make adjustments in order to prevent such an event from ever occurring again.
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When President Obama signed the Credit CARD Act into law in 2009, the new legislation tasked the Federal Reserve with setting guidelines for "reasonable" penalties triggered by late payments.
No more free T-shirts, pizza and the like. Beginning in February, college students who apply for credit cards will need proof of income.
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