{"database": "openregs", "table": "legislation", "rows": [["103-hr-4132", 103, "hr", 4132, "Credit Card Interest Rate Cap Act of 1994", "Commerce", "1994-03-24", "1994-04-07", "Referred to the Subcommittee on Consumer Credit and Insurance.", "House", "Rep. Gejdenson, Sam [D-CT-2]", "CT", "D", "G000120", 7, "Credit Card Interest Rate Cap Act of 1994 - Expresses the sense of the Congress that:  (1) low interest rates have reduced interest rates for consumer loans; (2) such low rates have not led to corresponding steep reductions in credit card interest rates; and (3) consumers are therefore paying credit card interest rates far in excess of what is warranted by economic conditions. Amends the Truth in Lending Act to prescribe a formula for a maximum credit card interest rate.", "2025-08-26T13:51:40Z", null]], "columns": ["bill_id", "congress", "bill_type", "bill_number", "title", "policy_area", "introduced_date", "latest_action_date", "latest_action_text", "origin_chamber", "sponsor_name", "sponsor_state", "sponsor_party", "sponsor_bioguide_id", "cosponsor_count", "summary_text", "update_date", "url"], "primary_keys": ["bill_id"], "primary_key_values": ["103-hr-4132"], "units": {}, "query_ms": 0.5101759452372789, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}