The article discusses how Colorado Senator Mark Udall worked to get the bill passed. No doubt he did. The article fails to mention, at all, the notion that people are smart enough to decide which credit card they want and which one they do not. The idea behind the bill is that people are too stupid to decide what terms of credit they might want to have, and the benevolent federal government needs to protect us poor vassals from ourselves.
The sub-head on the article reads, "A solid idea and four years of work still needed the right time and crisis."
Calling the bill "a solid idea" is a value judgment, not a fact, and should only appear in an editorial or column.
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