“The OCC is essentially saying that if banks can’t trick or cheat consumers they won’t be able to offer credit. It is outrageous that the federal regulator overseeing the banking industry is so out of step with the needs of millions of Americans unfairly trapped in debt by abusive credit card practices.” — Gail Hillebrand, Senior Staff Attorney with Consumers Union, referring to the OCC’s comments seeking to ease proposed rules limiting credit card industry practices.