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15 U.S. Code § 1616. Board review of consumer credit plans and regulations
(a) Required reviewNot later than 2 years after the effective date of this Act and every 2 years thereafter, except as provided in subsection (c)(2), the Board shall conduct a review, within the limits of its existing resources available for reporting purposes, of the consumer credit card market, including—
(1)
the terms of credit card agreements and the practices of credit card issuers;
(2)
the effectiveness of disclosure of terms, fees, and other expenses of credit card plans;
(3)
the adequacy of protections against unfair or deceptive acts or practices relating to credit card plans; and
(4) whether or not, and to what extent, the implementation of this Act and the amendments made by this Act has affected—
(A)
cost and availability of credit, particularly with respect to non-prime borrowers;
(B)
the safety and soundness of credit card issuers;
(C)
the use of risk-based pricing; or
(D)
credit card product innovation.