Legal Interpretations
Consumer Protection - 2004 Letters
November 24, 2004 (PDF)
Letter from the chief and general counsels of the Federal Reserve Board, Federal Deposit Insurance Corporation, National Credit Union Administration, Office of the Comptroller of the Currency, and the Office of Thrift Supervision, and the Acting Director of the Bureau of Consumer Protection of the Federal Trade Commission to the American Bankers Association, responding to an inquiry submitted on behalf of American Bankers Association, America's Community Bankers, Consumer Bankers Association, Credit Union National Association, Financial Services Roundtable, Independent Community Bankers of America, Mortgage Bankers Association, and the National Association of Federal Credit Unions, seeking guidance on how the Agencies expect to apply ten provisions of the Fair and Accurate Credit Transactions Act of 2003.