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The Dodd-Frank Wall Street Reform and Consumer Protection Act repealed NCUA's rulemaking authority under the Federal Trade Commission Act. Accordingly, the NCUA Board is now repealing NCUA's rules governing unfair or deceptive acts or practices. The NCUA Board is also making a number of technical amendments to other NCUA regulations to conform them to the agency's current central and field office structures. Additionally, the NCUA Board is amending NCUA's payday alternative loans regulation to replace all references to "short-term, small amount loans" and "STS loans" with corresponding references to "payday alternative loans" and "PAL loans."