The CFPB has released its proposed credit card ability-to-pay rule, an effort by which the bureau intends to make it easier for spouses or partners who do not work outside of the home to qualify for credit cards. The Credit Card Accountability Responsibility and Disclosure Act (CARD Act), enacted in 2009, requires that card issuers evaluate a consumer’s ability to make the necessary payments before opening a new credit card account. Under current CARD Act regulations issued by the Federal Reserve, a card issuer...