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The truth is that the current laws are limited in protecting you, the borrower. In fact, some shady practices are actually legal. That's why Loan.com created the Borrower's Bill of Rights.
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In a recent statement, Citigroup Inc announced that, "We have adjusted pricing and card terms for some customers as part of our regular account reviews. These changes also reflect the dramatically higher cost of doing business in our industry as we work to preserve the broad availability of credit. " This statement comes just before new, stricter credit card regulation goes into effect.