When the fervor over the bailout was at its peak, President Obama faced criticism for not lending a hand to the average consumer. Today, he signaled that is exactly what he intends to do by reforming the credit-card industry. Some of the main reforms involve avoiding sudden jumps in fees, explaining policies in plain language, and greater enforcement of the rules. Obama sees the moves as means of protecting Americans from unforeseen expenses during a recession. With credit-card executives seated beside him, Obama sternly said that "those in the industry who want to act responsibly will engage with us in a constructive fashion, and that we're going to get this done in short order."