It can be done, although it's not the best route for everyone.
Writing new laws to change the way things work is much more challenging than it seems.
The feds haven't banned irritating 'free' credit report commercials, but they are making it tougher for consumers to be misled.
Start with the merchant to find satisfaction, and then escalate if that doesn't work.
About $775,000 in annual fees will be returned.
Credit is a privilege to be earned, not an entitlement.
One sign of the banks' optimism is that credit card direct-mail solicitations are on the rise again.
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The offering could become the second-biggest this year if underwriters exercise an option to buy more shares.
The Market Dispatches column has been discontinued. Here's where to find the latest stock and business news on MSN Money, and the latest from market writer Charley Blaine.
MONEY & POLITICS
Breaking up big banks is an untested solution to the too big to fail problem that attempts to isolate and dismantle large, troubled institutions while protecting the rest of the economy.
The IRS is struggling to combat identify thieves who file fraudulent tax returns in the names of older residents who don't need to file.