Mr. Chairman, I rise to be heard on the point of order. Section 945 to which the gentleman objects is in this bill for the purpose of ending a practice under which a credit card company can jack up a cardholder's interest rates to the…
Mr. Chairman, I rise to be heard on the point of order.
Section 945 to which the gentleman objects is in this bill for the purpose of ending a practice under which a credit card company can jack up a cardholder's interest rates to the default rate which can be as high as 30 percent. Even if that person has never missed a payment and never been a day late on any payment to that credit card company, that interest rate can be jacked up if that consumer was 1 day late in the payment of some other bill and that was reported on a credit report.
This language is in here to correct a glaring and obscene omission in legislation which was passed by the House several weeks ago, the infamous bankruptcy bill.
As I understand the rules, the gentleman is objecting to this language because it is legislation on an appropriation bill and falls under the jurisdiction of another committee. As I understand the rules, while the Rules Committee did not protect this section in the rule under which the bill is being debated, this section could be passed by the House if no Member chooses to object to it.
I would respectfully suggest to the gentleman, in the interest of protecting consumers in this country from these bloodsuckers, I would suggest that the gentleman would do the country a great service if he would withdraw his point of order.
Mr. Chairman, I would have to reluctantly concede because of the warped rules which the majority party passed out of the Committee on Rules, which protected countless other provisions from points of order, but neglected to protect this section so that some of the biggest banks in the country can rip-off Americans, I would have to confess that under that myopic and misguided rule, I would have to concede the point of order.
Mr. Chairman, I move to strike the last word.
Mr. Chairman, I am going to repeat some remarks that I made on the floor the other day. I happen to have a Visa card. I have had it for years.
The other day I received in the mail a notification that this Visa card had been transferred to another bank. If you take a look at the fine print on the notice that accompanies that transfer, the fine print makes clear that the following can occur.
Let us say that for 10 years the gentleman from Florida who just lodged
the point of order, let us say for 10 years that gentleman has held this same Visa card, and that for that 10-year period he has not been late a single day in any payment to this credit card company. Nonetheless, the gentleman from Florida, or any other citizen of America, can have the interest rate on this card raised to the default rate if, for instance, that person had gone on vacation and while on vacation that person's wife, let us say, had broken her arm. And let us say she was responsible for writing the checks each month and because she was hurt she could not write the checks for a couple of weeks. And if that late payment because of that injury--to another company on another account--wound up in a credit report totally unrelated to your performance on the initial card, nonetheless, that credit card company claims the right to jack up interest rates to 30 percent.
In my view, that is nothing but blood-sucking usury, and I find it incredible that the majority party in this House finds ways time and time and time again to genuflect to the special interests like these credit card companies and to use the technicalities of the rules of this House to deny the average American citizen the protection that they ought to have a right to expect from representatives of this body who are supposed to represent the general interests rather than the special interests of these credit card companies.
It is an outrage that this body would allow this kind of a practice to continue. It is an outrage that the well-connected shysters who engage in this practice are not stood up to unanimously by 435 people in this House.
So all I can say is if the majority wants to hide behind the technicalities to protect yet another well-paying special interest, I cannot do a whole lot about it except raise my voice, and that is what I am doing today.
I would hope that the American consumers would take notice who it is that decides that the technicalities of the rules are more important than giving the consuming public a fair shake.
Mr. Chairman, will the gentleman yield?
Mr. Chairman, the practical result of the point of order lodged by the gentleman from Florida is to make the credit card companies the only people in America who can raise the price of something you bought after you bought it. If people are comfortable putting themselves in that supine position, I cannot do anything about it. But I find it interesting that the gentleman is a member of the Rules Committee, which cleverly left this measure exposed and then exploited that failure on the part of the Rules Committee in order to knock this language out of the bill. That is a nice sleight of hand operation.
Mr. Chairman, I move to strike the last word.
Mr. Chairman, I cannot believe what has just happened on the floor of this House. In effect, what has happened is that some of these same people who tried to stick their noses into the question of how the Schiavo family should deal with an end-of-life issue at a time of great pain for that family, some of the people in this House who felt compelled to stick their noses into that case are now trying to stick their noses into the question of how often someone who is wearing the uniform of the United States can see their family.
I am getting awfully tired of having people on this floor bleat about family values and then take actions which keep families apart. I am awfully tired of hearing people, in effect, suggest that because we dislike Mr. Castro so much that the only way someone wearing the uniform of the United States is going to be able to see his family in Cuba is only if they are lucky enough to see Castro go.
What happens in the meantime? Where are these vaunted family values?
I will tell the Members where they are. When they get in the way of people's political ideology or family squabbles in Cuba, they get tossed out the window. What a pitiful joke.
Amendment No. 4 Offered by Mr. Davis of Florida
Mr. Chairman, I move to strike the last word.
I yield to the gentleman from New York.
Mr. Chairman, I simply add to the gentleman's thoughts this point. I find it quaint, indeed, that this House would appear to want to try to promote the freedom of Cubans by denying freedom to Americans. That makes no sense to me.
The last time I looked at it, we are supposed to be representing Americans; and the people I represent ought to have a right to travel anywhere they choose so long as they are citizens of what is supposed to be the greatest, freest democracy in the world. I wish everyone in this Chamber would have a better understanding of that than they seem to have. I thank the gentleman for his efforts.
Mr. Chairman, I move to strike the last word.
Mr. Chairman, I do not believe in gun control laws. I think in most instances they don't work and I think lots of times they are designed by people who would not know one end of a gun from the other. But having said that, there is something that bugs me about this amendment, and that is that I did not come here to be a city councilman for the District of Columbia. I represent the people of my congressional district. The other thing that bugs me is that the citizens of the District of Columbia have no vote in this body, and in my view, as long as the citizens of the District of Columbia have no vote in this body, this body has no business telling the District of Columbia what their municipal laws ought to be.
Now, I have an amendment that I am going to offer if this amendment passes and that amendment reads as follows: ``The salary for individual Members of Congress shall be paid out of the funds provided in this bill for the District of Columbia and shall be limited to $92,500.'' That is the salary of a District of Columbia city councilman. If the people of this House want to act like you are a D.C. city councilman, then you ought to get paid like you are a D.C. city councilman, which means you can take about a $70,000 pay cut and I think that would be fitting.
I do not have the slightest idea what kind of laws the District of Columbia ought to have with respect to guns, but I do know one thing. I very often simply vote ``present'' whenever any matter affecting the District of Columbia comes up on this floor, because I think we have no business trying to interfere with what the city does on any subject so long as that city and its citizens do not have a vote in this Chamber. The gentlewoman from the District can speak, but when it comes to voting, she is out in the hall, just like anybody else who is not a Member of Congress.
So what you are saying is that you are going to take advantage of the fact that she has no ability to defend her district by voting in this place and you are going to say, ``Well, that's tough, but we're going to impose our judgment.'' If you want to tell the District of Columbia what their laws ought to be, run for the city council. This is not the city council. We look ridiculous and abusive when we try to act as though we are.
Mr. Chairman, I offer an amendment.
Mr. Chairman, I ask unanimous consent that the Clerk read the amendment.
Mr. Chairman, I yield myself such time as I may consume.
Mr. Chairman, the purpose of this amendment is simple. I happen to agree with the gentleman from Indiana that I think that the provision in D.C. law that he referred to on guns is a dumb law, and I would hope that it would be overturned by the city council. But what I resent is year after year after year having to vote on issues that belong in the backyard of the D.C. City Council, not the House of Representatives.
I have taken this position for a good long time. The second term I was here, I organized the effort that eventually freed up the money for the D.C. subway, when our distinguished friend Bill Natcher decided to hold up that money until the District of Columbia was forced to proceed with building the Three Sisters Bridge. Thankfully, that bridge was never built, and the Congress did not dictate to the District that they do so.
But the purpose of this amendment is simply to illustrate the fact that the Congress is acting like it is the city council for the District of Columbia; and as long as it is acting that way, that is the way it ought to be paid.
I do not object to any Member of Congress having any view he wants with respect to the District of Columbia, but I feel strongly that it is wrong for this Congress to dictate to the District what any of their local laws are so long as their representative does not have a vote. That is the point that I am trying to make to the gentleman from Indiana. The problem is not that Congress has opinions about the District. The problem is that the District of Columbia has no way to express their own views on their own issues through their own elected representative because their elected representative does not have a vote in this Chamber. Until she does, I think the Congress ought to stay out of these issues.
Much though I agree with the gentleman from Indiana on the substance, in this case it seems to me that democratic processes are much more important than my individual opinion on any subject matter.
Mr. Chairman, I yield back the balance of my time.
Point of Order
Mr. Chairman, the gentleman from California has made a point of order. I am simply offering the amendment to make a point.
I concede the point of order.
Mr. Chairman, I move to strike the last word.
Mr. Chairman, if this amendment passes, you might as well tear up the Constitution and toss it in the ash basket. That is what this amendment does.
I happen to think that the Supreme Court decision that came down last week was nutty, and I agree with the gentleman on the substance. But if we disagree with court decisions, folks who are a heck of a lot smarter than we are, the Founding Fathers, spelled out a way to deal with that. It is called passing a law.
All we have to do if we do not like the Supreme Court decision is to bring legislation into this House, take it before the proper committee, have the committee have sensible hearings so that all points of view can be heard, and then bring to the floor either a piece of legislation or a constitutional amendment, whichever you want.
But the idea that this House, every time we do not like a court decision, should decide that we are not going to allow Federal money to be used to enforce that court decision is as nutty as the original court decision in the first place.
So I would hope that we would recognize that the Founding Fathers created the system of separation of powers; they created three independent branches of government for a purpose.
I would not ordinarily rise to oppose an amendment like this, because it is so ridiculous on its face, but it follows in a long line of actions that I have seen coming from that side of the aisle since the beginning of the year.
First, you called the Congress back in order to try to pass legislation saying that you knew better than the Florida courts in the Schiavo case. Then we had another attack launched on independent judges in the form of speeches given by your majority leader and others, and then we have seen various other activities; in fact, I listened to the majority leader himself in a conversation the other day tell some Supreme Court Justices that they were way out of line, and that if they wanted to understand American public opinion, they needed to go through the United States Congress.
Well, God help us if the Supreme Court ever starts going through the United States Congress for its advice on every subject under the sun. They are supposed to use their own independent judgment and, once in a while, they may make a screwy decision, and I think they did last week. But that does not mean that we ought to act in a way which is just as screwy as the original Court decision.
I would urge that we vote down this ridiculous amendment.