The Credit Card Accountability, Responsibility, and Disclosure Act (“CARD Act” or “Act”) requires the Consumer Financial Protection Bureau (the “Bureau”) to submit to Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education or certain organizations affiliated with such institutions in connection with the issuance of credit cards. This report refers to these agreements as “college credit card agreements” or simply “agreements.” Affiliated organizations include fraternities, sororities, alumni associations, or foundations affiliated with or related to an institution of higher education. This is the sixteenth annual report pursuant to the CARD Act.