U.S. Sen. Jon Tester, D-Mont., last week reintroduced a bill that would amend the Truth in Lending Act to prohibit card issuers from using credit scores as a basis for raising cardholders' interest rates. Tester, a member of the Senate Banking Committee who participated in a committee hearing last week on credit card industry practices, initially introduced a bill banning universal default nearly two years ago (CardLine, 5/10/07). Tester says he is particularly concerned about the effects existing credit card practices could have on consumers under age 35. "If young people make one mistake, credit card companies put the boots to them," he said in a statement. The bill, dubbed the Universal Default Prohibition Act of 2009, was referred to the Senate Banking Committee. The committee also is considering a broader card-industry reform bill that addresses universal default that Sens. Christopher Dodd, D-Conn., and Carl Levin, D-Mich., reintroduced last week called the Credit Card Accountability, Responsibility and Disclosure Act (CardLine, 2/12). Also this month, Sen. Robert Menendez, D-N.J., reintroduced a bill, now dubbed the Credit Card Reform Act of 2009, that contains sweeping card-industry reforms that also would ban universal default (CardLine, 2/9).