It's like a baloon: you regulate one thing and the costs pop up some where else.

But the Lawyers always win.  Our Saviors!!!!

CHANGE: Credit Card Interest Rates Much Higher. “The spread on credit card interest–the difference between the interest rate on your charges, and the Treasury benchmark rate–is the highest it’s been in 22 years. The culprit? The CARD Act, which has given banks much less flexibility in the fees they charge. Banks now have to give you 45 days notice before they raise your interest rate, and they need to give you the option of paying off the debt in order to avoid interest rate hikes.”