The final phase of the landmark federal legislation that placed new restrictions on credit card interest rates and fees takes effect Sunday. Though the bulk of the law's provisions were enacted earlier this year, there are still a few important changes you need to be aware of:

New protection: Fees for late payments and other transgressions will be capped to the amount of the violation, up to $25. Previously, these fees were often between $35 and $39 regardless of how much was owed. Also, a single violation can no longer result in more than one fee.

Gaps to watch: Technically, there isn’t an outright ban on penalty fees higher than $25. Banks that want to impose a higher fee simply need to give regulators justification for doing so.

Read more: Atlanta Journal Constitution