Instead, data breaches are addressed by a patchwork of state laws, setting forth various requirements including notification of those affected, and sometimes fines and payment for identity theft monitoring for breach victims.

FORBES: How Do We Deal With Data Breaches?

The CARD Act changed the notification requirements for interest rate hikes, requiring that cardholders now receive 45 days notice on any increase, including default.

FORBES: Supreme Court Rules in Favor of Chase