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Dr. Robert Manning on the New Credit Card Law The latest ABI podcast features a discussion between ABI Executive Director Samuel J. Gerdano and Dr. Robert Manning, the Director of the Center for Consumer Financial Services at Rochester Institute of Technology, author of Credit Card Nation and founder of the Responsible Debt Relief Institute. One of the leading experts on household debt, spending and the consumer lending industry, Manning discusses the some of the provisions of the Credit CARD Act signed into law last month by President Barack Obama.