what federal laws protect credit card holders 
credit card holders are protected by a number of federal as well as state laws the most recent major law on the federal level is the credit card accountability responsibility and disclosure act of 2009 also known as the card act which amended the truth in lending act its provisions include clearer disclosure of credit terms and limits on the fees that lenders can charge 7the bottom linethe uniform consumer credit code uccc establishes legal rules to protect consumers who use credit in the states where it has been enacted it works in conjunction with a variety of federal laws with the same aim 