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NCUA RIN: 3133-AD47 Publication ID: Fall 2008 
Title: ●Unfair or Deceptive Acts or Practices 
Abstract: The Federal Reserve Board, Office of Thrift Supervision, and NCUA have proposed amendments to their credit practice rules to update lending practices that may be unfair or deceptive to consumers. 
Agency: National Credit Union Administration(NCUA)  Priority: Substantive, Nonsignificant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Final Rule Stage 
Major: Undetermined  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  12/00/2008    
Regulatory Flexibility Analysis Required: No  Government Levels Affected: State 
Small Entities Affected: Businesses  Federalism: Undetermined 
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

Ross P. Kendall
Special Counsel to the General Counsel
National Credit Union Administration
1775 Duke Street,
Alexandria, VA 22314
Phone:703 518-6562
TDD Phone:703 518-6332
Fax:703 518-6569
Email: rkendall@ncua.gov

Matthew J. Biliouris
Director, Division of Supervision, Office of Examination and Insurance
National Credit Union Administration
1775 Duke Street, 6th Floor,
Alexandria, VA 22314
Phone:703 518-6360
Fax:703 518-6499
Email: matthewb@ncua.gov