The Credit Card Accountability, Responsibility and Disclosure Act ("CARD Act") requires the Consumer Financial Protection Bureau (CFPB) to submit to Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education or certain organizations affiliated with such institutions. This report refers to these agreements as "college credit card agreements" or simply "agreements." Affiliated organizations include fraternities, sororities, alumni associations, or foundations affiliated with or related to an institution of higher education. Title III of the CARD Act contains a number of provisions designed to provide protections to college students and younger consumers. For example, the Act restricts the marketing of credit cards to college students on or near college campuses or at school-sponsored events by prohibiting the use of gifts or any tangible items to induce students to apply for credit cards. Section 305 of the CARD Act was intended to bring greater transparency to the college and university credit card market. Implementing regulations require that credit card issuers submit to the Bureau each year the terms and conditions of any college credit card agreement that was in effect at any time during the preceding calendar year between an issuer and an institution of higher education. This report is based on the information and agreements submitted to the Bureau by credit card issuers. The information is current as of the end of 2013.