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<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>3084-AB18</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>200904</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>3084</CODE>
            <NAME>Federal Trade Commission</NAME>
            <ACRONYM>FTC</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Rulemaking Proceeding With Respect to Mortgage Loans </RULE_TITLE>
        <ABSTRACT><![CDATA[Section 626 of the Omnibus Appropriations Act of 2009 required the Federal Trade Commission to initiate a rulemaking proceeding with respect to mortgage loans within 90 days after the date of enactment of that Act.  The Act also mandated that the rulemaking be in accordance with section 553 of title 5, United States Code, and that any violation of a rule prescribed under this subsection shall be treated as a violation of a rule under section 18 of the Federal Trade Commission Act (15 U.S.C. 57a) regarding unfair or deceptive acts or practices.  The Commission plans to issue an ANPRM by June 2009 as required.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>First Time Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Prerule Stage</RULE_STAGE>
        <MAJOR>Undetermined</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>Undetermined</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>Not Yet Determined</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>Omnibus Appropriations Act 2009, PL 111-8</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST>
            <LEGAL_DLINE_INFO>
                <DLINE_TYPE>Statutory</DLINE_TYPE>
                <DLINE_ACTION_STAGE>Other</DLINE_ACTION_STAGE>
                <DLINE_DATE>06/11/2009</DLINE_DATE>
                <DLINE_DESC>ANPRM</DLINE_DESC>
            </LEGAL_DLINE_INFO>
        </LEGAL_DLINE_LIST>
        <LEGAL_DLINE_OVERALL_DESC>The Omnibus Appropriations Act of 2009 directed the Federal Trade Commission to initiate a rulemaking proceeding within 90 days of enactment, which occurred on March 11, 2009.</LEGAL_DLINE_OVERALL_DESC>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>ANPRM</TTBL_ACTION>
                <TTBL_DATE>06/00/2009</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>Undetermined</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>Businesses</SMALL_ENTITY>
        </SMALL_ENTITY_LIST>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>Undetermined</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>Undetermined</FEDERALISM>
        <ENERGY_AFFECTED>No</ENERGY_AFFECTED>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Laura</FIRST_NAME>
                <LAST_NAME>Johnson</LAST_NAME>
                <MIDDLE_NAME>A.</MIDDLE_NAME>
                <TITLE>Attorney, Division of Financial Practices, Bureau of Consumer Protection</TITLE>
                <AGENCY>
                    <CODE>3084</CODE>
                    <NAME>Federal Trade Commission</NAME>
                    <ACRONYM>FTC</ACRONYM>
                </AGENCY>
                <PHONE>202 326-3035</PHONE>
                <EMAIL>ljohnson3@ftc.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>600 Pennsylvania Avenue NW,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20580</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
            <CONTACT>
                <FIRST_NAME>Evan</FIRST_NAME>
                <LAST_NAME>Zullow</LAST_NAME>
                <TITLE>Attorney, Division of Financial Practices, Bureau of Consumer Protection</TITLE>
                <AGENCY>
                    <CODE>3084</CODE>
                    <NAME>Federal Trade Commission</NAME>
                    <ACRONYM>FTC</ACRONYM>
                </AGENCY>
                <PHONE>202 326-2914</PHONE>
                <EMAIL>ezullow@ftc.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>600 Pennsylvania Avenue NW,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20580</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
