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Consistent with the current government focus on enhancing consumer protection, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act of 2009) brings sea changes to the credit card industry. Forward-looking financial services institutions are viewing these shifts not as a reactive compliance and operational exercise, but more broadly in anticipation of additional regulatory change. These firms are approaching the situation as a call to examine and improve businesses processes across the enterprise while considering the future business model for credit card lending as a whole.
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