Examining the billing, marketing, and disclosure practices of the credit card industry, and their impact on consumers [electronic resource] : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Tenth Congress, first session, on strengthening regulations and the response by regulators to avoid the uninformed use of credit by consumers while protecting against inaccurate and unfair credit billing and credit card practices, Thursday, January 25, 2007.