WASHINGTON — The House today passed a measure that would ban interest rate hikes on existing balances, over-the-limit fees and double-cycle billing.

The bill passed 312-112, but it is unclear if the Senate will take it up this year.

CUNA and NAFCU both said they supported the idea of expanding consumer rights, but took issue with several parts of the measure, including a provision requiring a 45-day notice of rate changes, and the provision mandating creditors set up a system so consumers can notify them if they want to opt out of credit authorization of over-the-limit transactions if fees are involved.

Many of the provisions of the bill, H.R. 5224, are similar to regulations that have been proposed by the NCUA, the Federal Reserve and the Office of Thrift Supervision. Those agencies have said they will issue final rulings before the end of the year.

Another provision of the measure gives credit card users at least 25 days to pay their bills each month and mandates no late fees if the payment reached the credit card company on 5 p.m. on the due date. NAFCU expressed concern that this might burden smaller credit unions that have limited hours.