 TITLE: What Is the Credit CARD Act of 2009? CONTENT: What the Credit CARD Act Doesn't Cover\n--------------------------------------\nDespite all the reforms contained in the law, it has been criticized for leaving out certain credit card protections. For example, the law doesn't impose an overall cap on interest rates, so card issuers are free to charge rates as high as the market will bear. Also, small business credit cards are exempt from many of the provisions of the CARD Act, although many card issuers voluntarily have their small business cards comply with most of the protections afforded to consumer credit cards. END