Last week, regulators approved a far-reaching reform of the credit card industry.

The drawback: the changes don’t take effect until July 2010.

Some cards, though, already comply with certain reforms. And you can find them at BillShrink.com, a free online service that makes card recommendations based on how you use plastic.

BillShrink says it monitors more than 200 of the most popular cards.

There are 15 Citi cards, for instance, that will give you 45 days notice of a change in terms - one of the new reforms. Usually, card issuers give you 15 days notice, not much time to look for a new card or change the way you use the plastic.

Also, according to BillShrink, 14 Capital One cards comply with a new requirement that card issuers will have to send out statements at least 21 days before the due date to give you time to make a payment.

And none so far meet the requirement that interest rates can't be raised arbitrarily, BillShrink says.

Come 2010, an interest rate will only be raised if it was set to expire after a specific period; the rate was variable; or if your payment was more than 30 days late. There's one other way: after the first year, the rate on the card can go up for new purchases only  but only after you’re given 45 days notice of the rate hike.

If you are shopping for cards, a couple of other good free sites for information include Credit.com and CardRatings.com.