In 2009, regulations for credit cards were changed by
a. agreements between bankers and borrowers.
b. the credit cardholders' bill of rights.
c. bankers who felt sorry for cardholders.
d. state legislatures.

The correct answer is B) the credit cardholders' bill of rights. 

In 2009, regulations for credit cards were changed by the credit cardholders' bill of rights. 

The Credit Card Act of 2009, better known as the credit cardholders' bill of rights was signed by President Barack Obama on May 22, 2009. The purpose of the act was to have clear and fair practices in banks and credits. The bill went into effect on February 22, 2011. This act helped consumers in that it gave them enough time to pay their debts, it ordered no retroactive rate increases and made easier to pay down debt.

basic principles: federalism, separation of powers, checks and balances, judicial review, representative democracy, limited government, rule of law, individual rights and responsibilities, consent of the governed, majority rule, popular sovereignty, equal protection.