new black sheep on Capitol Hill are credit card companies. Senator Chris Dodd (D-CT) introduced the Credit Card Accountability, Responsibility and Disclosure Act (the C.A.R.D. Act), aimed at stopping credit card practices that drag consumers into staggering amounts of debt. The increasing spotlight on card companies might have something to do with the fact that since home equity lines have dried up and there's no more easy spending money to be extracted from mortgages, people are defaulting mortgage payments, and instead preferring to take up more revolving credit from card companies. It's all about following the money. And Congress does that better than anyone else, save the IRS.