Consumers long have complained about credit card interest rates and penalties. And for years credit card issuers have fought off efforts in Congress to stiffen regulations covering the industry. That appears to be about to change.

The Federal Reserve, the federal Office of Thrift Supervision and the National Credit Union Administration are set to adopt new rules that would, in the words of a banking official, "comprise the greatest overhaul of the credit card marketplace in more t ...

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