Independent presidential candidate Ralph Nader described Biden as the MasterCard Senator. One of Biden’s biggest corporate backers is the Delaware-based credit card company MBNA. Biden was the key architect of the 2005 bankruptcy law which made it harder for consumers to file for bankruptcy protection. At the time, Biden’s son was working as a consultant to MBNA. Nader also criticized Biden for helping to create the modern drug war by pushing the 1986 Anti-Drug Abuse Act.