3170-AA28 201210 The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions 3170 Consumer Financial Protection Bureau CFPB Credit Card Accountability Responsibility and Disclosure Act of 2009/Ability to Pay (Regulation Z) Substantive, Nonsignificant First Time Published in The Unified Agenda Proposed Rule Stage Undetermined No 12 CFR 1026.51 12 USC 5512 12 USC 5581 15 USC 1601 et seq No NPRM 11/07/2012 77 FR 66748 NPRM Comment Period End 01/07/2013 Final Rule 04/00/2013 No None No No No Andrea Edmonds 3170 Consumer Financial Protection Bureau CFPB 202 435-7700