Thank you for your question.
I'll give you two examples.
In example number one—I don't know if this has passed recently—it is proposed, at the very minimum, that a rule require the debt issuer not to issue inappropriate loans that exceed a certain debt-to-assets ratio. It's almost another level of credit check on the person you're giving the card to. If they don't meet a certain threshold, they can't get the debt, so they can't get themselves into trouble. That's point number one.
Example number two is a plain-language disclosure on how long the debt will remain if you only pay off your minimum payment. That's often a surprising amount. I mean, it goes on for decades if you only pay off your minimum amount on a huge amount.