Quick followup

I just wanted to do a quick follow up. I found this 2002 article on the web. I still can't find the particular Federal law change I am looking for, but this gives some very good information About how and why Credit card issuers have been able to thwart state laws. 

http://www.bankrate.com/brm/news/cc/20020320a.asp

PS: I have no idea if it is good form to comment on ones own post, but I think this read is worth it.