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NCUA RIN: 3133-AE08 Publication ID: 2012 
Title: ●Payday--Alternative Loans 
Abstract: The NCUA Board (Board) is currently reviewing its regulation governing payday-alternative loans (PAL or PAL loans), formerly known as short-term, small amount loans. The Board intends to improve the regulation to encourage more federal credit unions to offer PAL loans and believes it may be necessary to amend the regulation. 
Agency: National Credit Union Administration(NCUA)  Priority: Substantive, Nonsignificant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: No  Unfunded Mandates: No 
CFR Citation: 12 CFR 701.21   
Legal Authority: 12 USC 1757(5)(vi)   
Legal Deadline:  None
Timetable:
Action Date FR Cite
ANPRM  09/27/2012  77 FR 59346   
ANPRM Comment Period End  11/26/2012 
NPRM  12/00/2012 
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Small Entities Affected: No  Federalism: No 
Included in the Regulatory Plan: No 
RIN Information URL: www.ncua.gov/Legal/Regs/Pages/PropRegs.aspx  
RIN Data Printed in the FR: No 
Agency Contact:
Justin Michael Anderson
Senior Staff Attorney
National Credit Union Administration
1775 Duke Street,
Alexandria, VA 22314
Phone:703 518-6556
Fax:703 518-6569
Email: janderson@ncua.gov