The House overwhelmingly approved legislation, 331 to 92, on Wednesday to advance the enforcement of credit card reform to Dec. 1.

The law, effective Feb. 22, bans universal default and double-cycle billing and limits fees.

The Senate is not expected to follow suit, but the House action Wednesday sends a strong signal to the credit card industry and the Federal Reserve Board, which is implementing the reform.

Banks have been under fire on Capitol Hill for rushing to raise their customers' rates before the new protections go into place.

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