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WASHINGTON — Senator Hillary Rodham Clinton (D-N.Y.), in the midst of a heated race for the Democratic primary nomination, issued a comprehensive plan at the end of January aimed at ensuring fair access to credit on reasonable terms for Americans.

Clinton said she sees families across America struggling to cope with spiraling household debt, facing a vicious credit cycle, and suffering abusive rates and penalties. Middle-class Americans dealing with resetting adjustable-rate mortgages and rising health care, college, and energy costs are depending more and more on credit cards just to stay afloat, she noted.

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