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Even though the new credit card laws don’t kick in for another month, their effects are already being felt.

In a blog on the Huffington Post late last week, New York Rep. Carolyn Maloney outlines that certain notification requirements have already kicked in, including some requiring 45 days notice when changing an interest rate. She writes:

“Any notice of a rate increase to existing balances under the new credit card law must be dated no later than (Jan. 7), 45 days before the February 22nd enactment of the bulk of the Credit CARD Act.”

So be sure to pay extra special attention to your next credit card statement. Most of the big credit card companies should be complying with the news, but it’s your job to hold them accountable. In some cases, this means looking at post-mark dates as well as the fine print in your credit card bills.

Rep. Maloney also mentions these other changes with the new law, so be on the look out for these as well:

Penalty rate increases for those less than 60 days overdue on their payments are banned.

Over-limit fees are allowed only if companies obtain an affirmative opt-in in advance from the customer–and must be reasonable and proportional to the cost.

Prohibits charging interest on debts paid on-time (Double-cycle billing).

Bans due-date gimmicks such as setting morning times for payment, before mail is delivered or charging fees for paying a bill by phone or internet.

Rep Maloney also reminds consumers of the purpose of the new 45 day notice window. If you receive terms that you don’t like, this time can be used to shop for a new card, close the account, or make a plan to go without a card. If you opt-out of the terms, you will still be responsible for the balance, but you can pay it off at the old rate.