US CARD Act Compliance Training

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Additional languages available
Meets accessibility standards
Auto-save training, mobile-friendly
Deliver on Ethena or your LMS (SCORM)

Course Summary

The US Credit Card Act of 2009 reshaped how card issuers set rates, bill customers, and disclose terms. This Ethena course helps staff understand the CARD Act’s core rules, the protections it gives cardholders, and what fair treatment looks like in practice.

What the CARD Act covers
Key issuer rules and limits
Fair billing and payment practices
Your day-to-day responsibilities

Included Modules:

What Is the CARD Act?

Explains the US Credit Card Accountability Responsibility and Disclosure Act of 2009, which protects cardholders from unfair rate, fee, and billing practices.

Key CARD Act Rules and Obligations

Covers core CARD Act requirements, including limits on interest-rate increases, fee restrictions, and clear disclosure rules now overseen by the CFPB.

How the CARD Act Shapes Billing and Payment

Shows how the CARD Act governs billing cycles, payment due dates, and how payments are applied, giving cardholders fairer and more predictable treatment.

Your CARD Act Responsibilities

Outlines what staff must do to comply with the CARD Act day to day, from accurate disclosures to handling cardholder accounts and payments fairly.

Why is this training important for workplaces?

The CARD Act sets clear rules for how credit card issuers disclose terms, change rates, charge fees, and handle billing, and getting it wrong can mean regulatory penalties, costly remediation, and customers who feel misled. When your teams understand what the law requires, they can write accurate disclosures, apply fees and rate changes correctly, and respond to cardholder questions the right way. That keeps the business on the right side of regulators and builds the kind of trust that keeps customers around. This training gives the people who touch credit card products the practical knowledge to stay compliant and treat cardholders fairly.

"Ethena helped us embed clear standards directly into how we operate and grow. That's what designing for trust at scale actually looks like."

Jacob Leon Beier Chief Compliance Officer & Counsel, TriMark USA

"I needed to train 500 people on side agreements in two weeks. Ethena made it happen — custom content, quick turnaround, no drama."

Darryl Cyphers, Jr. Senior Director of Legal Compliance, Klaviyo

"Making a custom training used to take hours. Now, it's as easy as uploading a PDF, and everything comes to you fully formatted. I was blown away."

Giovanna Travieso Lead-People Experiences & Growth, Magic Leap