Over the last few years, the federal government has been considering bills that could upend how credit cards work and potentially jeopardize rewards — most notably, the Credit Card Competition Act (CCCA), which has failed to advance as a stand-alone bill or as an attachment to other legislation.
While federal efforts have stalled, state governments are increasingly joining the fray.
Pending the outcome of federal litigation, Illinois may soon be the poster child for what happens to consumers when such legislation takes effect.
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