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1-Are banks acting in a responsible fashion with theirsolicitations of consumers

1-Are banks acting in a responsible fashion with theirsolicitations of consumers for credit cards and rampantincreases/decreases in credit card lines? What responsibility doconsumers have with regard to credit card debt?2-What disclosure rules apply in banks solicitations of creditcard customers?3-What should we do to influence legislation?*4- How do we handle the student loan debt issue? (more studentloans/less jobs)

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