"Executives from major U.S. banks were on the hot seat in Congress Wednesday over credit-card fees and penalties. One bank executive apologized to an aggrieved customer at the hearing." And, "as a result of recent hearings, several banks, including Chase and Citigroup, are announcing changes." Chase, regarding extended over-limit fees, and Citigroup, ending penalties for being late on another credit card and the practice of raising rates at any time. (NPR News)