How Is Usury now legal?????

There is one line in the 2005 Bankruptcy Bill that says "no judge can change an interest rate charge for any reason." That one line opened the door to mile high interest rates....your congress again...

Oh Senor Dodd? Hola...question on the housing bill? okay? okay...

My question on the housing bill: Why is a new law included in this BILL that makes it mandatory to report every single USA citizen credit card transaction to the IRS??????? Huh, mr. dodd?