Both houses of Congress have recently passed credit card legislation which will cut down on credit card companies abusing their customers. The NY Times has a guide to what the new legislation could mean for consumers. The bill that passed the House contains some interesting provisions on how card companies can use type.
The House throws in what ought to be called “The Fine Print Rule.” Card companies must print their account applications and disclosures in 12-point type or greater. A supervisory board will also probably declare certain hard-on-the-eyes fonts off limits. The Senate is silent on typeface but imposes many other communication requirements.
From the bill itself:
SEC. 14. Readability requirement.
Section 122 of the Truth in Lending Act (U.S.C. 1632) is amended by adding at the end the following new subsection:
“(d) Minimum type-size and font requirement for credit card applications and disclosures. -All written information, provisions, and terms in or on any application, solicitation, contract, or agreement for any credit card account under an open end consumer credit plan, and all written information included in or on any disclosure required under this chapter with respect to any such account, shall appear-
“(1) in not less than 12-point type; and
“(2) in any font other than a font which the Board has designated, in regulations under this section, as a font that inhibits readability.”.
I haven’t seen a credit card application or bill in years (we’re paperless)…what unreadable fonts are these companies using? Do they set their terms and conditions sections in 6-pt Zapf Dingbats a la David Carson?
ideasonideas asks several prominent designers what they would have done differently at the beginning of their careers. David Carson’s first crack at an answer seemed apropos for him: “not much. things have gone pretty good.” Me? I would have learned how to draw.
Some miscellaneous bits I haven’t had a chance to post yet about the conference:
- Congressman Barney Frank didn’t talk at all about “Design and Civic Leadership”, but he did say he was in favor of limiting free speech in one small way: he would ban the use of metaphors in the discussion of public policy.
- Dj Spooky on the standarization (i.e. Gapization, Starbucksification, etc.) of American retail (paraphrased): If you think about it, the US is almost more totalitarian than the Soviet Union was; we buy our own uniforms.
- Peter Merholz on the death of user experience: What people not call “user experience” used to be called “design” (by the Eames generation). The term “user experience” was necessary because “design” had become associated almost exclusively with the way something looked. The pretty, the aesthetic. Who did Peter blame? Professional organizations (including the AIGA) and designers themselves. Peter notes that design is making a comeback, particularly in the business press, something I noted in earlier in the week.
- From the Three Minds blog, a summary of a presentation by Murray Moss of 10 things that he likes right now. Well, not so much things as ideas or trends. Or commerce…all of the items he showed are on sale in his Soho store/gallery.
- More blog action from the conference: Peterme has some quick thoughts, David Panarelli has several posts from Friday (1, 2, 3, 4, 5, 6) and UnBeige tells us about Ellen Lupton, Dj Spooky, a David Carson sighting (I totally didn’t know he was here…seeing his work for the first time made me want to be a designer, so I may have to accost him and gush a little), and then promptly goes off to nap. Nap!? That’s allowed??
More tomorrow, already the last full day of the conference.
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