Legislation was introduced Tuesday in the U.S. House by Rep. John J. LaFalce (D-NY) to provide consumers with protections from the so-called "egregious" and "unjustifiable" practices of credit card issuers. The "Credit Card Protection Amendments of 1999" attacked late payment penalties, teaser rates, solicitations to students and minors, convenience checks, unsolicited credit cards and the imposition of annual fees for non-revolvers. The legislation would prohibit the canceling or fining of cardholders who consistently pay-off card balances each month. Rep. LaFalce is also calling for a ban on cards issued to consumers under the age of 21, unless there is evidence they have an independent means for repaying debt. The proposal also calls for the monthly disclosure of the total cost of repaying the card balance if a cardholder makes the minimum payment.