... all credit card accounts under open end consumer credit plans as of the end of the 1-year period beginning on the date of the enactment of this Act (b) REGULATIONS. The Board of Governors of the ... System, in consultation with the Comptroller of the Currency, the Director of the Office of Thrift Supervision, the Federal Deposit Insurance Corporation, the National Credit Union Administration Board, ... by the Congressional Budget Office pursuant to section 402 of the Congressional Budget Act of 1974: U.S CONGRESS, CONGRESSIONAL BUDGET OFFICE, Washington, DC, September 8, 2008 Hon BARNEY FRANK, ...