Well, it’s a Center for Responsible Lending report so what do you expect them to say since the pushed the law so hard?   From the story:

But the Center for Responsible Lending report finds that rules mandated by the CARD Act have benefited consumers without causing prices to rise and without restricting access to credit. Overall, the new rules have increased transparency for consumers without any unintended consequences, it said.

“This report’s findings refute claims by the credit-card industry that new credit-card rules have restricted access to consumer credit and raised its costs,” the report said.

This obviously conflicts with a lot of other reporting that credit has been constricted.