... the Congress on Practices of the ConsumerCredit Industry in Soliciting and Extending Credit and their Effects on Consumer Debt and InsolvencySubmitted to the Congress pursuant to section 1229 ... relationships with consumers.22 The most common channels are direct mail, telephone solicitations, television and print advertisements, electronic mail, the Internet, promotional events, and ... management, overlimit practices, minimum payment and negative amortization, workout and forbearance practices, methodologies and practices for income recognition and allowances for loan and lease losses,...