"Direct Merchants Credit Card Bank N.A., Scottsdale AZ, will pay $3.2 million to approximately 62,000 credit card customers under a consent agreement reached with the United States Office of the Comptroller of the Currency (OCC)." full article: http://www.industryclick.com/magnewsarticle.asp?newsarticleid=199442&magazineid=151&SiteID=2