WASHINGTON — The credit card companies seem to have few friends on Capitol Hill these days, with even the most business-minded lawmakers siding with consumers in speaking out against steep rate hikes and fees.

The House was expected to pass, possibly as early as today, a bill that would enact sweeping new restrictions on the industry, including a requirement that customers penalized by higher interest rates because they missed a payment are given a chance to reclaim their lower rate after six months.

The Senate passed the bill Tuesday, 90-5.

"Card issuers raise rates for unclear reasons, use billing methods that consumers do not understand, and assign fees and charges without warning," said Sen. Richard Shelby of Alabama, the top Republican on the Senate Banking Committee.

President Barack Obama is expected to sign the bill into law. Treasury Secretary Timothy Geithner on Tuesday said the bill would "create a more fair, transparent and simple consumer credit market."

Of the five senators sympathetic to card lenders, two were from South Dakota, where thousands of jobs depend on the industry. Republican Sen. John Thune estimated the bill would cost as many as 5,000 jobs in his state.

Sen. Tim Johnson, also from South Dakota, was the only Democrat to oppose the bill.

Also opposing the bill were GOP Sens. Lamar Alexander of Tennessee, Robert Bennett of Utah and Jon Kyl of Arizona.

But their voices were drowned out by lawmakers who said their offices had received dozens of complaints from voters.

"We said that big banks can no longer take advantage of hardworking Americans," Senate Majority Leader Harry Reid, D-Nev., said.

The Pew Health Group estimates that 82 percent of cards available to consumers include the stipulation that the cardholder's rate can increase to any amount indefinitely if the lender determines the person is too much of a credit risk. Consumer advocates say it is these types of practices that can bury consumers in debt if they make one mistake.

Under the new bill, a customer would have to be more than 60 days behind on a payment before seeing a rate increase on an existing balance. Even then, the lender would be required to restore the previous, lower rate after six months if the cardholder pays the minimum balance on time.

Consumers also would have to receive 45 days' notice and an explanation before their interest rate was increased.

Some of these changes, including the 45-day notice requirement, are already on track to take effect in July 2010 under new rules being imposed by the Federal Reserve. But the legislation would put these changes into law and go further in restricting the types of bank fees and who could get a card.