Obama is to meet this week with banks about card-holder complaints. Congress is weighing a 'bill of rights' for borrowers.
The improved earnings reports of recent days are welcome news, but a rising tide of loan losses still threaten the industry.
Shoppers' confidence is higher so far this month. Other data deliver a mixed message as to whether the economy has hit bottom yet.
Citigroup posted a loss of $966 million, but that was its best quarter in nearly two years.
The bank is one of the better-managed, but a rise in mortgage refinancing may be helping the industry as a whole.
The Obama team won't seek another spending jolt for the US economy, the Treasury secretary said Sunday, until it assesses effects of the first one.
Geithner's plan aims to use public and private money to clean up $500 billion to $1 trillion in bad loans.