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NCUA RIN: 3133-AD47 Publication ID: Spring 2009 
Title: Unfair or Deceptive Acts or Practices 
Abstract: The Federal Reserve Board, Office of Thrift Supervision, and NCUA issued amendments to their credit practice rules to prohibit certain consumer credit card practices as unfair or deceptive under section 5(a) of the Federal Trade Commission Act. 
Agency: National Credit Union Administration(NCUA)  Priority: Substantive, Nonsignificant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: No  Unfunded Mandates: No 
CFR Citation: 12 CFR 706   
Legal Authority: 15 USC 45   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  05/19/2008  73 FR 28904   
NPRM Comment Period End  06/27/2008    
Final Action  01/29/2009  74 FR 5498   
Regulatory Flexibility Analysis Required: No  Government Levels Affected: State 
Small Entities Affected: Businesses  Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Related Agencies: Joint: FRS, TREAS/OTS; 
Agency Contact:
Moisette I. Green
Staff Attorney, Office of General Counsel
National Credit Union Administration
1775 Duke Street,
Alexandria, VA 22314-3428
Phone:703 518-6540
Fax:703 518-6319
Email: mgreen@ncua.gov