<http://schema.org/description>
"Penalty fees fell 8% among credit card issuers last year. The fees have declined since 2009, when Congress passed legislation that limited the ability of card issuers to impose certain charges."^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.americanbanker.com/issues/178_15/credit-card-penalty-fees-fall-again-according-to-report-1056040-1.html?CMP=OTC-RSS>