🚀 go-pugleaf

Please help? A friend of mind that works for a major bank informed me that
banks cannot charge over 14.9% on credit card rates.  Yet many do.  Also, I
thought former President Bush made the law dealing with the Treasury Bill
auction rate.   Furthermore, according to Missouri law Article 4 CSR 140-6.025
Variable Rate Credit.  Basically it states that, (Quote) " The Division of
finance will consider a variable rate credit transaction in compliance if it
bears a rate up o twenty-four percent(24%) which does not exceed two (2) the
rate established by the treasury bill auction immediately preceding the
beginning of the calendar quarter (January 1 through March 31, April 1 through
June 30, July 1 through September 30, October 1 through december 31) or, with
open-end credit, the calendar month, January 1 through January 31, February 1
through 28(29)......"  The example says that if the Treasury Bill rate during
the last auction quarter is 7% then the interest rate could not exceed 14 % for
the next quarter.   If this is not so, please explain or interpret this for me.
 I feel that consumers are being cheated.  

Also, is there a way to regulate Automobile Insurance agencies.  In my opinion
they are truly getting over on people.  Think of this, a person pays 500
average bi-anually for 20 years and never had an accident.  This person has
given the  agency more than $20,000.  This is perposterous. You never get any
of that money back. This is a ripoff.  Maybe I don't what I am talking about. 
However, I wish for someone to justify these outrageous rates.  I would  like
for other people to help me start a campaign to get people to write their
members of Congress.  Congress must come up with laws to stop this madness.  I
know that PAC's have bought our Congressman.  However, just think of people
over this network doing something for the good of all!  If anyone can offer any
help please respond!!!

Thanks, 

Kwame03
MPowell
I will write more later concerning these issues (better examples).