15 U.S. Code § 1665c - Interest rate reduction on open end consumer credit plans
If a creditor increases the annual percentage rate applicable to a credit card account under an open end consumer credit plan, based on factors including the credit risk of the obligor, market conditions, or other factors, the creditor shall consider changes in such factors in subsequently determining whether to reduce the annual percentage rate for such obligor.
This section shall not be construed to require a reduction in any specific amount.
The Bureau  shall issue final rules not later than 9 months after May 22, 2009, to implement the requirements of and evaluate compliance with this section, and subsections (a), (b), and (c) shall become effective 15 months after May 22, 2009.
 So in original. Probably should be “Board”.
2010—Subsec. (d). Pub. L. 111–203 substituted “Bureau” for “Board”.