{"id":8488,"date":"2016-09-08T13:09:52","date_gmt":"2016-09-08T17:09:52","guid":{"rendered":"https:\/\/www.duck9.com\/?p=8488"},"modified":"2016-09-08T17:07:03","modified_gmt":"2016-09-08T21:07:03","slug":"hindsight-on-hr627-is-3020","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/hindsight-on-hr627-is-3020\/","title":{"rendered":"Hindsight on HR627 is 30\/20"},"content":{"rendered":"<div>\n<div>By Larry Chiang<\/div>\n<div><\/div>\n<div>\n<div>When you say DICK DURBIN. I think:<\/div>\n<div><\/div>\n<div><\/div>\n<blockquote>\n<div>&#8220;Thank you for your credit policy leadership on HR627. Your astute understanding of credit card laws help undergrads get FICO&#8217;s over 800 with a credit line under $500.<\/div>\n<div><\/div>\n<div>It&#8217;s like you are an Illinois senator with a 2011 Stanford engineering coterminous masters. Effing genius.&#8221;<\/div>\n<\/blockquote>\n<table style=\"border: 1px solid black; padding: 8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><img decoding=\"async\" style=\"width: 48px; height: 48px; padding-right: 8px;\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" \/><\/td>\n<td><b>Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/773928326943473665?refsrc=email&amp;s=11\">9\/8\/16, 9:57 AM<\/a><\/div>\n<div>Regulations Tech <a href=\"https:\/\/twitter.com\/search?q=%23RegTech&amp;src=hash\">#RegTech<\/a> <a href=\"https:\/\/t.co\/iylun8MmnM\">americanbanker.com\/bankthink\/youv\u2026<\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Net, net #HR627&#8217;s a big, big win for Stanford undergrads.\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/div>\n<div><img decoding=\"async\" id=\"AACB48D7-438E-483A-B118-F994E027F980\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/09\/image1-9.jpg\" alt=\"image1.JPG\" \/><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div>On campus, they just shower you with free food!<\/div>\n<div><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Low credit lines coupled with high FICO&#8217;s over 800 for Stanford undergrads and undergrads every where.\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">FICO&#8217;s over 800 Y-Axis.\u00a0<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">a credit line under $500. X-axis. Quadrant 2 = &#8220;FICO&#8217;s over 800 with a credit line under $500&#8221;<\/span><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang When you say DICK DURBIN. I think: &#8220;Thank you for your credit policy leadership on HR627. Your astute understanding of credit card laws help undergrads get FICO&#8217;s over 800 with a credit line under $500. It&#8217;s like you are an Illinois senator with a 2011 Stanford engineering coterminous masters. Effing genius.&#8221; Larry [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-8488","post","type-post","status-publish","format-standard","hentry","category-stanford-engineering"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/8488","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=8488"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/8488\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=8488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=8488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=8488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}