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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>3133-AD57</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>200904</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>3133</CODE>
            <NAME>National Credit Union Administration</NAME>
            <ACRONYM>NCUA</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Truth in Savings</RULE_TITLE>
        <ABSTRACT><![CDATA[In accordance with the Truth in Savings Act, 12 U.S.C. 4301 et seq., NCUA is amending 12 CFR part 707 to align its regulation with the Federal Reserve Board's Regulation DD, 12 CFR part 230.  The rulemaking addresses electronic disclosure requirements regarding overdraft protection programs and will require all credit unions to disclose aggregate overdraft fees on periodic statements.  The rule also clarifies balance disclosures provided to members through automated systems.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>First Time Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Final Rule Stage</RULE_STAGE>
        <MAJOR>Undetermined</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 707</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 4311</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>Interim Final Rule</TTBL_ACTION>
                <TTBL_DATE>04/00/2009</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Interim Final Rule Comment Period End</TTBL_ACTION>
                <TTBL_DATE>06/00/2009</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Action</TTBL_ACTION>
                <TTBL_DATE>07/00/2009</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Action Effective</TTBL_ACTION>
                <TTBL_DATE>01/01/2010</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>Businesses</SMALL_ENTITY>
        </SMALL_ENTITY_LIST>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <ENERGY_AFFECTED>No</ENERGY_AFFECTED>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <RELATED_RIN_LIST>
            <RELATED_RIN>
                <RIN>7100-AD09</RIN>
                <RIN_RELATION>Related to</RIN_RELATION>
            </RELATED_RIN>
            <RELATED_RIN>
                <RIN>7100-AD21</RIN>
                <RIN_RELATION>Related to</RIN_RELATION>
            </RELATED_RIN>
        </RELATED_RIN_LIST>
        <RELATED_AGENCY_LIST>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>7100</CODE>
                    <NAME>Federal Reserve System</NAME>
                    <ACRONYM>FRS</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Common</AGENCY_RELATION>
            </RELATED_AGENCY>
        </RELATED_AGENCY_LIST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Moisette</FIRST_NAME>
                <LAST_NAME>Green</LAST_NAME>
                <MIDDLE_NAME>I.</MIDDLE_NAME>
                <TITLE>Staff Attorney, Office of General Counsel</TITLE>
                <AGENCY>
                    <CODE>3133</CODE>
                    <NAME>National Credit Union Administration</NAME>
                    <ACRONYM>NCUA</ACRONYM>
                </AGENCY>
                <PHONE>703 518-6540</PHONE>
                <FAX>703 518-6319</FAX>
                <EMAIL>mgreen@ncua.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>1775 Duke Street,</STREET_ADDRESS>
                    <CITY>Alexandria</CITY>
                    <STATE>VA</STATE>
                    <ZIP>22314-3428</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
