It was scrapped completely in Oregon. That's when credit cards started charging 30%, and upping their rate based on things like whether somebody was late paying their auto insurance, or if the got laid off from work, or all kinds of things that didn't have anything to do with the account with the direct lender.

                It also allowed lenders to speed up forclosures--they didn't have to advertise the sale as long, and the notification process was speeded up, and etc.

                  For a lot of farmers in the mid-west, I know, it was a financial disaster.