Credit CARD Act of 2009 & Credit Approval Problems

President Obama signed the Credit CARD Act of 2009 into law May 22, 2009, following passage days earlier in the Senate and the House.This law either changes the way the system works or is the excuse for things that are changing and so we're trying to understand it. 

While I can find plenty of discussions of the new credit card law for consumers, I can't seem to find any info on how it changes things for those of us  who accept credit cards. Help?

In particular, it is being used as the excuse for an ongoing problem with Mastercard debit and gift cards that we are having with automatic processing. We are getting ~75 calls per week from consumers who report:
- their card works fine on Ebay & elsewhere online in an automated fashio
- it's getting refused by us. We keep speaking to our ISO who says, many different things, most of which consist of he doesn't know about or what to do about the problem.....


We do monthly billing and these people, after a few months, are pretty sick of calling for verbal approvals. I hate to think about all the customers that we are losing who don't even bother to call for approval.