(S (S (BASENP (DT The) (NN hearing)) (VP (VBD examined) (NP (BASENP (DT the) (NNS circumstances)) (SBAR (WHPP (IN under) (WHNP (WDT which))) (S (BASENP (NN credit) (NN card) (NNS issuers)) (VP (MD may) (VP (VB increase) (NP (BASENP (DT the) (NN interest) (NNS rates)) (PP (IN of) (NP (BASENP (NNS cardholders)) (SBAR (WHNP (WP who)) (S (VP (VBP are) (PP (IN in) (NP (BASENP (NN compliance)) (PP (IN with) (NP (BASENP (DT the) (NNS terms)) (PP (IN of) (BASENP (PRPD their) (NN credit) (NNS cards)))))))))))))))))))) (PERIOD .))