The problem with the law was that banks still managed to find ways around it and it didn't take effect until another 8 months later. Over the course of 8 months, credit companies have increased rates and fees on cards. The bill was supposed to help consumers, but it actually made it harder to get credit cards, which caused interest rates to rise. Banks were losing revenue, so they turned to debit cards. The law didn't have debit cards in mind, so banks are still able to trap people into overspending. Consumers began using debit cards more often, which actually had more expensive fees. The overdraft fee would make banks millions, thanks to the publicity of the free check. Banks will continue to make large revenues as long as they can go back to being unregulated. In conclusion, the card game controls customers and holds them hostage. Credit card companies have been taking advantage of people for years and now they are being fought. This information will help me now, as I know more about the tricks that banks and credit card companies use to get more profits from people. I also learned that debit cards aren't as secure as I once thought. I believe this dilemma will last a long time, we can only learn to protect ourselves and watch over ourselves