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    <RIN_INFO>
        <RIN>1550-AC17</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>200904</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>1550</CODE>
            <NAME>Office of Thrift Supervision</NAME>
            <ACRONYM>OTS</ACRONYM>
        </AGENCY>
        <PARENT_AGENCY>
            <CODE>1500</CODE>
            <NAME>Department of the Treasury</NAME>
            <ACRONYM>TREAS</ACRONYM>
        </PARENT_AGENCY>
        <RULE_TITLE>Unfair or Deceptive Acts or Practices</RULE_TITLE>
        <ABSTRACT><![CDATA[OTS issued an advance notice of proposed rulemaking to solicit comment on its regulations relating to unfair or deceptive acts or practices to determine whether and, if so, to what extent, additional regulation is needed to ensure customers of OTS-regulated entities are treated fairly.  The FRB, NCUA and OTS issued a final rule on January 29, 2009 with an effective date of July 1, 2009.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Completed Actions</RULE_STAGE>
        <MAJOR>No</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 535</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 1462a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1463 and 1464</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1467a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1820</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1828</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1831p-1</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1881 to 1884</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>15 USC 57a</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>ANPRM</TTBL_ACTION>
                <TTBL_DATE>08/06/2007</TTBL_DATE>
                <FR_CITATION>72 FR 43570</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>ANPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>11/05/2007</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>05/19/2008</TTBL_DATE>
                <FR_CITATION>73 FR 28904</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>08/04/2008</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Rule</TTBL_ACTION>
                <TTBL_DATE>01/29/2009</TTBL_DATE>
                <FR_CITATION>74 FR 5498</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Rule Effective</TTBL_ACTION>
                <TTBL_DATE>07/01/2010</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <RELATED_AGENCY_LIST>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>7100</CODE>
                    <NAME>Federal Reserve System</NAME>
                    <ACRONYM>FRS</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>3133</CODE>
                    <NAME>National Credit Union Administration</NAME>
                    <ACRONYM>NCUA</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
        </RELATED_AGENCY_LIST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Suzanne</FIRST_NAME>
                <LAST_NAME>McQueen</LAST_NAME>
                <TITLE>Consumer Regulations Analyst, Compliance and Consumer Protection Division</TITLE>
                <AGENCY>
                    <CODE>1550</CODE>
                </AGENCY>
                <PHONE>202 906-6459</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>1700 G Street NW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20552</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
            <CONTACT>
                <FIRST_NAME>Richard</FIRST_NAME>
                <LAST_NAME>Bennett</LAST_NAME>
                <TITLE>Senior Compliance Counsel, Regulations and Legislation Division</TITLE>
                <AGENCY>
                    <CODE>1550</CODE>
                </AGENCY>
                <PHONE>202 906-7409</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>1700 G Street NW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20552</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
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