Connecticut Seal

General Assembly

 

Substitute Bill No. 73

    January Session, 2009

*_____SB00073BA____041409____*

AN ACT CONCERNING THE SOLICITATION OF CREDIT CARDS TO COLLEGE STUDENTS AND THE MANAGEMENT OF STUDENT CREDIT CARD DEBT.

Be it enacted by the Senate and House of Representatives in General Assembly convened:

Section 1. (NEW) (Effective July 1, 2009) On or before January 1, 2010, the Board of Governors of Higher Education shall adopt policies regulating the marketing practices of credit card issuers on the campuses of public institutions of higher education. Such policies shall (1) require credit card issuers to register with the public institution of higher education before conducting any marketing activities on the campus of such institution; (2) require such registered issuers to conduct debt education seminars for all incoming students on the campuses of such public institutions during the orientation period; (3) prohibit credit card issuers from soliciting undergraduate students during the orientation and class registration periods or at intercollegiate athletic events; (4) require credit card issuers that engage in marketing practices at public institutions of higher education to distribute debt education materials along with any marketing materials; (5) prohibit public institutions of higher education and alumni associations and foundations of such institutions of higher education from selling identifying information of a student or graduate to credit card issuers; (6) prohibit employees of such public institutions from marketing credit cards to students; (7) restrict the time and place in which credit card marketing may occur; and (8) prohibit the use of gifts and incentives in such marketing.

Sec. 2. (NEW) (Effective July 1, 2009) (a) No credit card issuer shall take any debt collection action, including, but not limited to, telephone calls or demand letters, against the parent or legal guardian of a student to whom a credit card has been issued, unless the parent or legal guardian has agreed in writing to be liable for the debts of the student pursuant to the terms of the credit card agreement.

(b) For the purposes of this section, "student" means a person who is under twenty-one years of age and enrolled in an institution of higher education on a full or part-time basis.

Sec. 3. Section 10-16b of the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2009):

(a) In the public schools the program of instruction offered shall include at least the following subject matter, as taught by legally qualified teachers, the arts; career education; consumer and personal finance management education; health and safety, including, but not limited to, human growth and development, nutrition, first aid, disease prevention, community and consumer health, physical, mental and emotional health, including youth suicide prevention, substance abuse prevention, safety, which may include the dangers of gang membership, and accident prevention; language arts, including reading, writing, grammar, speaking and spelling; mathematics; physical education; science; social studies, including, but not limited to, citizenship, economics, geography, government and history; and in addition, on at least the secondary level, one or more foreign languages and vocational education. For purposes of this subsection, [language arts] (1) "language arts" may include American sign language or signed English, provided such subject matter is taught by a qualified instructor under the supervision of a teacher who holds a certificate issued by the State Board of Education; [. For purposes of this subsection, the "arts"] (2) the "arts" means any form of visual or performing arts, which may include, but not be limited to, dance, music, art and theatre; and (3) "consumer and personal finance management education" means instruction on topics including, but not limited to, using credit wisely, banking, expenses, income and the stock market.

(b) If a local or regional board of education requires its pupils to take a course in a foreign language, the parent or guardian of a pupil identified as deaf or hearing impaired may request in writing that such pupil be exempted from such requirement and, if such a request is made, such pupil shall be exempt from such requirement.

(c) Each local and regional board of education shall on September 1, 1982, and annually thereafter at such time and in such manner as the Commissioner of Education shall request, attest to the State Board of Education that such local or regional board of education offers at least the program of instruction required pursuant to this section, and that such program of instruction is planned, ongoing and systematic.

(d) The State Board of Education shall make available curriculum materials and such other materials as may assist local and regional boards of education in developing instructional programs pursuant to this section. The State Board of Education, within available appropriations and utilizing available resource materials, shall assist and encourage local and regional boards of education to include: (1) Holocaust education and awareness; (2) the historical events surrounding the Great Famine in Ireland; (3) African-American history; (4) Puerto Rican history; (5) Native American history; [(6) personal financial management; and (7)] and (6) topics approved by the state board upon the request of local or regional boards of education as part of the program of instruction offered pursuant to subsection (a) of this section.

This act shall take effect as follows and shall amend the following sections:

Section 1

July 1, 2009

New section

Sec. 2

July 1, 2009

New section

Sec. 3

October 1, 2009

10-16b

HED

Joint Favorable Subst.

 

BA

Joint Favorable