<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-04-28-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>3064-AC99</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>200904</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>3064</CODE>
            <NAME>Federal Deposit Insurance Corporation</NAME>
            <ACRONYM>FDIC</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies</RULE_TITLE>
        <ABSTRACT><![CDATA[The OCC, Board, FDIC, OTS, NCUA, and FTC (the Agencies) published for comment proposed regulations and guidelines to implement the accuracy and integrity provisions in section 312 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act).]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Final Rule Stage</RULE_STAGE>
        <MAJOR>No</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 334</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 1818</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1819 (Tenth)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1631p-1</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>15 USC 1681a</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>ANPRM</TTBL_ACTION>
                <TTBL_DATE>03/22/2006</TTBL_DATE>
                <FR_CITATION>71 FR 14419</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>ANPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>05/22/2006</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>12/13/2007</TTBL_DATE>
                <FR_CITATION>72 FR 70974</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>02/11/2008</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Action</TTBL_ACTION>
                <TTBL_DATE>12/00/2009</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>No</SMALL_ENTITY>
        </SMALL_ENTITY_LIST>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <ENERGY_AFFECTED>Undetermined</ENERGY_AFFECTED>
        <FURTHER_INFO_URL>http://www.fdic.gov/regulations/laws/federal/propose.html</FURTHER_INFO_URL>
        <PUBLIC_COMMENT_URL>http://www.fdic.gov/regulations/laws/federal/2006/06comanprfacta.html</PUBLIC_COMMENT_URL>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>David</FIRST_NAME>
                <LAST_NAME>LaFleur</LAST_NAME>
                <MIDDLE_NAME>P.</MIDDLE_NAME>
                <TITLE>Policy Analyst</TITLE>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <PHONE>202 898-6569</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS></STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20429</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
            <CONTACT>
                <FIRST_NAME>John</FIRST_NAME>
                <LAST_NAME>Jackwood</LAST_NAME>
                <MIDDLE_NAME>M.</MIDDLE_NAME>
                <TITLE>Acting Chief, Compliance Section</TITLE>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <PHONE>202 898-3991</PHONE>
                <EMAIL>jjackwood@fdic.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>550 17th Street NW,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20429</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
            <CONTACT>
                <FIRST_NAME>Richard</FIRST_NAME>
                <LAST_NAME>Schwartz</LAST_NAME>
                <MIDDLE_NAME>M.</MIDDLE_NAME>
                <TITLE>Counsel</TITLE>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <PHONE>202 898-7424</PHONE>
                <EMAIL>rischwartz@fdic.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>550 17th Street NW,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20429</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
            <CONTACT>
                <FIRST_NAME>Richard</FIRST_NAME>
                <LAST_NAME>Foley</LAST_NAME>
                <TITLE>Counsel</TITLE>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <PHONE>202 898-3784</PHONE>
                <EMAIL>rfoley@fdic.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>550 17th Street NW,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20429</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
