{"abstract":"The Board is amending Regulation Z, which implements the Truth in Lending Act, and the staff commentary to the regulation in order to implement provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 that are effective on February 22, 2010. The rule establishes a number of new substantive and disclosure requirements to establish fair and transparent practices pertaining to open-end consumer credit plans, including credit card accounts. In particular, the rule limits the application of increased rates to existing credit card balances, requires credit card issuers to consider a consumer's ability to make the required payments, establishes special requirements for extensions of credit to consumers who are under the age of 21, and limits the assessment of fees for exceeding the credit limit on a credit card account.","action":"Final rule.","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2010/02/22/2010-624.html","cfr_references":[{"chapter":null,"citation_url":null,"part":226,"title":12}],"citation":"75 FR 7658","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"Effective date. The rule is effective February 22, 2010.","disposition_notes":null,"docket_ids":["Regulation Z","Docket No. R-1370"],"dockets":[],"document_number":"2010-624","effective_on":"2010-02-22","end_page":7925,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2010/02/22/2010-624.xml","html_url":"https://www.federalregister.gov/documents/2010/02/22/2010-624/truth-in-lending","images":{"ER22FE10.003":{"large":"https://img.federalregister.gov/ER22FE10.003/ER22FE10.003_large.png","medium":"https://img.federalregister.gov/ER22FE10.003/ER22FE10.003_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.003/ER22FE10.003_original_size.png"},"ER22FE10.025":{"large":"https://img.federalregister.gov/ER22FE10.025/ER22FE10.025_large.png","medium":"https://img.federalregister.gov/ER22FE10.025/ER22FE10.025_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.025/ER22FE10.025_original_size.png"},"ER22FE10.004":{"large":"https://img.federalregister.gov/ER22FE10.004/ER22FE10.004_large.png","medium":"https://img.federalregister.gov/ER22FE10.004/ER22FE10.004_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.004/ER22FE10.004_original_size.png"},"ER22FE10.005":{"large":"https://img.federalregister.gov/ER22FE10.005/ER22FE10.005_large.png","medium":"https://img.federalregister.gov/ER22FE10.005/ER22FE10.005_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.005/ER22FE10.005_original_size.png"},"ER22FE10.006":{"large":"https://img.federalregister.gov/ER22FE10.006/ER22FE10.006_large.png","medium":"https://img.federalregister.gov/ER22FE10.006/ER22FE10.006_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.006/ER22FE10.006_original_size.png"},"ER22FE10.007":{"large":"https://img.federalregister.gov/ER22FE10.007/ER22FE10.007_large.png","medium":"https://img.federalregister.gov/ER22FE10.007/ER22FE10.007_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.007/ER22FE10.007_original_size.png"},"ER22FE10.008":{"large":"https://img.federalregister.gov/ER22FE10.008/ER22FE10.008_large.png","medium":"https://img.federalregister.gov/ER22FE10.008/ER22FE10.008_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.008/ER22FE10.008_original_size.png"},"ER22FE10.009":{"large":"https://img.federalregister.gov/ER22FE10.009/ER22FE10.009_large.png","medium":"https://img.federalregister.gov/ER22FE10.009/ER22FE10.009_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.009/ER22FE10.009_original_size.png"},"ER22FE10.020":{"large":"https://img.federalregister.gov/ER22FE10.020/ER22FE10.020_large.png","medium":"https://img.federalregister.gov/ER22FE10.020/ER22FE10.020_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.020/ER22FE10.020_original_size.png"},"ER22FE10.021":{"large":"https://img.federalregister.gov/ER22FE10.021/ER22FE10.021_large.png","medium":"https://img.federalregister.gov/ER22FE10.021/ER22FE10.021_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.021/ER22FE10.021_original_size.png"},"ER22FE10.000":{"large":"https://img.federalregister.gov/ER22FE10.000/ER22FE10.000_large.png","medium":"https://img.federalregister.gov/ER22FE10.000/ER22FE10.000_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.000/ER22FE10.000_original_size.png"},"ER22FE10.022":{"large":"https://img.federalregister.gov/ER22FE10.022/ER22FE10.022_large.png","medium":"https://img.federalregister.gov/ER22FE10.022/ER22FE10.022_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.022/ER22FE10.022_original_size.png"},"ER22FE10.001":{"large":"https://img.federalregister.gov/ER22FE10.001/ER22FE10.001_large.png","medium":"https://img.federalregister.gov/ER22FE10.001/ER22FE10.001_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.001/ER22FE10.001_original_size.png"},"ER22FE10.023":{"large":"https://img.federalregister.gov/ER22FE10.023/ER22FE10.023_large.png","medium":"https://img.federalregister.gov/ER22FE10.023/ER22FE10.023_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.023/ER22FE10.023_original_size.png"},"ER22FE10.002":{"large":"https://img.federalregister.gov/ER22FE10.002/ER22FE10.002_large.png","medium":"https://img.federalregister.gov/ER22FE10.002/ER22FE10.002_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.002/ER22FE10.002_original_size.png"},"ER22FE10.024":{"large":"https://img.federalregister.gov/ER22FE10.024/ER22FE10.024_large.png","medium":"https://img.federalregister.gov/ER22FE10.024/ER22FE10.024_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.024/ER22FE10.024_original_size.png"},"ER22FE10.014":{"large":"https://img.federalregister.gov/ER22FE10.014/ER22FE10.014_large.png","medium":"https://img.federalregister.gov/ER22FE10.014/ER22FE10.014_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.014/ER22FE10.014_original_size.png"},"ER22FE10.015":{"large":"https://img.federalregister.gov/ER22FE10.015/ER22FE10.015_large.png","medium":"https://img.federalregister.gov/ER22FE10.015/ER22FE10.015_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.015/ER22FE10.015_original_size.png"},"ER22FE10.016":{"large":"https://img.federalregister.gov/ER22FE10.016/ER22FE10.016_large.png","medium":"https://img.federalregister.gov/ER22FE10.016/ER22FE10.016_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.016/ER22FE10.016_original_size.png"},"ER22FE10.017":{"large":"https://img.federalregister.gov/ER22FE10.017/ER22FE10.017_large.png","medium":"https://img.federalregister.gov/ER22FE10.017/ER22FE10.017_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.017/ER22FE10.017_original_size.png"},"ER22FE10.018":{"large":"https://img.federalregister.gov/ER22FE10.018/ER22FE10.018_large.png","medium":"https://img.federalregister.gov/ER22FE10.018/ER22FE10.018_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.018/ER22FE10.018_original_size.png"},"ER22FE10.019":{"large":"https://img.federalregister.gov/ER22FE10.019/ER22FE10.019_large.png","medium":"https://img.federalregister.gov/ER22FE10.019/ER22FE10.019_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.019/ER22FE10.019_original_size.png"},"ER22FE10.010":{"large":"https://img.federalregister.gov/ER22FE10.010/ER22FE10.010_large.png","medium":"https://img.federalregister.gov/ER22FE10.010/ER22FE10.010_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.010/ER22FE10.010_original_size.png"},"ER22FE10.011":{"large":"https://img.federalregister.gov/ER22FE10.011/ER22FE10.011_large.png","medium":"https://img.federalregister.gov/ER22FE10.011/ER22FE10.011_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.011/ER22FE10.011_original_size.png"},"ER22FE10.012":{"large":"https://img.federalregister.gov/ER22FE10.012/ER22FE10.012_large.png","medium":"https://img.federalregister.gov/ER22FE10.012/ER22FE10.012_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.012/ER22FE10.012_original_size.png"},"ER22FE10.013":{"large":"https://img.federalregister.gov/ER22FE10.013/ER22FE10.013_large.png","medium":"https://img.federalregister.gov/ER22FE10.013/ER22FE10.013_medium.png","original_size":"https://img.federalregister.gov/ER22FE10.013/ER22FE10.013_original_size.png"}},"images_metadata":{"ER22FE10.003":{"large":{"identifier":"ER22FE10.003","content_type":"image/png","size":36339,"width":762,"sha":"20e778da8cd9bd39fd75237b3352aa48","url":"https://img.federalregister.gov/ER22FE10.003/ER22FE10.003_large.png","height":497},"medium":{"identifier":"ER22FE10.003","content_type":"image/png","size":11577,"width":359,"sha":"eb6a7cd86e3ff49e1470b1be2df87756","url":"https://img.federalregister.gov/ER22FE10.003/ER22FE10.003_medium.png","height":234},"original_size":{"identifier":"ER22FE10.003","content_type":"image/png","size":59837,"width":2709,"sha":"ed7f2d056e513e88e2165034ae820231","url":"https://img.federalregister.gov/ER22FE10.003/ER22FE10.003_original_size.png","height":1767}},"ER22FE10.025":{"large":{"identifier":"ER22FE10.025","content_type":"image/png","size":29368,"width":821,"sha":"b09edfbc6d63c8ea80e7b27587671843","url":"https://img.federalregister.gov/ER22FE10.025/ER22FE10.025_large.png","height":448},"medium":{"identifier":"ER22FE10.025","content_type":"image/png","size":10668,"width":421,"sha":"b9ad7d9dfcc5e9d69dc734f58f87eeda","url":"https://img.federalregister.gov/ER22FE10.025/ER22FE10.025_medium.png","height":230},"original_size":{"identifier":"ER22FE10.025","content_type":"image/png","size":56319,"width":3181,"sha":"3338fa39a808eb6fc4f2bda73ecb5679","url":"https://img.federalregister.gov/ER22FE10.025/ER22FE10.025_original_size.png","height":1736}},"ER22FE10.004":{"large":{"identifier":"ER22FE10.004","content_type":"image/png","size":31962,"width":760,"sha":"ec832c2d7c2fec7141f1564f16a6a8e9","url":"https://img.federalregister.gov/ER22FE10.004/ER22FE10.004_large.png","height":511},"medium":{"identifier":"ER22FE10.004","content_type":"image/png","size":10745,"width":358,"sha":"4f7dfa40e7a63cc8d764525550c603b8","url":"https://img.federalregister.gov/ER22FE10.004/ER22FE10.004_medium.png","height":241},"original_size":{"identifier":"ER22FE10.004","content_type":"image/png","size":51648,"width":2703,"sha":"150b8e817ee7f7fd1bf6c52e15fc8405","url":"https://img.federalregister.gov/ER22FE10.004/ER22FE10.004_original_size.png","height":1816}},"ER22FE10.005":{"large":{"identifier":"ER22FE10.005","content_type":"image/png","size":88912,"width":823,"sha":"09e1dbdbb247f9ba50d4c462eaaa8feb","url":"https://img.federalregister.gov/ER22FE10.005/ER22FE10.005_large.png","height":1068},"medium":{"identifier":"ER22FE10.005","content_type":"image/png","size":36565,"width":459,"sha":"d89ba0114b0346e5a473b806565a9f57","url":"https://img.federalregister.gov/ER22FE10.005/ER22FE10.005_medium.png","height":596},"original_size":{"identifier":"ER22FE10.005","content_type":"image/png","size":187825,"width":3463,"sha":"de403cc862160958454c1873da4a372d","url":"https://img.federalregister.gov/ER22FE10.005/ER22FE10.005_original_size.png","height":4496}},"ER22FE10.006":{"large":{"identifier":"ER22FE10.006","content_type":"image/png","size":84506,"width":822,"sha":"6b4a520006728d1579529cef357d7832","url":"https://img.federalregister.gov/ER22FE10.006/ER22FE10.006_large.png","height":958},"medium":{"identifier":"ER22FE10.006","content_type":"image/png","size":34642,"width":457,"sha":"02dc0571e99c228528afa019851f0766","url":"https://img.federalregister.gov/ER22FE10.006/ER22FE10.006_medium.png","height":532},"original_size":{"identifier":"ER22FE10.006","content_type":"image/png","size":176416,"width":3447,"sha":"7338df2c8b82278c22f53292561440b9","url":"https://img.federalregister.gov/ER22FE10.006/ER22FE10.006_original_size.png","height":4017}},"ER22FE10.007":{"large":{"identifier":"ER22FE10.007","content_type":"image/png","size":93450,"width":823,"sha":"33b2dc5e2975fff7bcadf376fb79cc0b","url":"https://img.federalregister.gov/ER22FE10.007/ER22FE10.007_large.png","height":1034},"medium":{"identifier":"ER22FE10.007","content_type":"image/png","size":46917,"width":517,"sha":"9c9b9d014090843e438b440b87951dc2","url":"https://img.federalregister.gov/ER22FE10.007/ER22FE10.007_medium.png","height":650},"original_size":{"identifier":"ER22FE10.007","content_type":"image/png","size":230099,"width":3899,"sha":"ddce856a522f63c4095eb07e71d80d05","url":"https://img.federalregister.gov/ER22FE10.007/ER22FE10.007_original_size.png","height":4901}},"ER22FE10.008":{"large":{"identifier":"ER22FE10.008","content_type":"image/png","size":34985,"width":823,"sha":"124003dc3e7635a7970dea6699d17f0e","url":"https://img.federalregister.gov/ER22FE10.008/ER22FE10.008_large.png","height":526},"medium":{"identifier":"ER22FE10.008","content_type":"image/png","size":11651,"width":394,"sha":"cc16809b8554cba5b86cef9508921ac3","url":"https://img.federalregister.gov/ER22FE10.008/ER22FE10.008_medium.png","height":252},"original_size":{"identifier":"ER22FE10.008","content_type":"image/png","size":57252,"width":2975,"sha":"5673288231e2e5ac3dc3bbad985b30a9","url":"https://img.federalregister.gov/ER22FE10.008/ER22FE10.008_original_size.png","height":1900}},"ER22FE10.009":{"large":{"identifier":"ER22FE10.009","content_type":"image/png","size":86578,"width":803,"sha":"13b428a40af4f306fcf24900283c55c1","url":"https://img.federalregister.gov/ER22FE10.009/ER22FE10.009_large.png","height":926},"medium":{"identifier":"ER22FE10.009","content_type":"image/png","size":24192,"width":378,"sha":"f2baba10044d0012b976d5c5769d33dc","url":"https://img.federalregister.gov/ER22FE10.009/ER22FE10.009_medium.png","height":436},"original_size":{"identifier":"ER22FE10.009","content_type":"image/png","size":158753,"width":2857,"sha":"5dfe92af6780154cdcc76f9c0bb52ab1","url":"https://img.federalregister.gov/ER22FE10.009/ER22FE10.009_original_size.png","height":3295}},"ER22FE10.020":{"large":{"identifier":"ER22FE10.020","content_type":"image/png","size":48850,"width":710,"sha":"fd65bd9648cbb31e07379b72665dc259","url":"https://img.federalregister.gov/ER22FE10.020/ER22FE10.020_large.png","height":593},"medium":{"identifier":"ER22FE10.020","content_type":"image/png","size":11798,"width":334,"sha":"4a96be375a4b0560ad37bdd677cb3251","url":"https://img.federalregister.gov/ER22FE10.020/ER22FE10.020_medium.png","height":279},"original_size":{"identifier":"ER22FE10.020","content_type":"image/png","size":83150,"width":2522,"sha":"f888391b1f94d4fea698582c2dfc0faf","url":"https://img.federalregister.gov/ER22FE10.020/ER22FE10.020_original_size.png","height":2106}},"ER22FE10.021":{"large":{"identifier":"ER22FE10.021","content_type":"image/png","size":35173,"width":823,"sha":"9158f885ecbe5d4e5d49a4a02d96660b","url":"https://img.federalregister.gov/ER22FE10.021/ER22FE10.021_large.png","height":606},"medium":{"identifier":"ER22FE10.021","content_type":"image/png","size":11786,"width":394,"sha":"c090a418ff88959d6d630e415b5131f8","url":"https://img.federalregister.gov/ER22FE10.021/ER22FE10.021_medium.png","height":290},"original_size":{"identifier":"ER22FE10.021","content_type":"image/png","size":59592,"width":2978,"sha":"dbc20cfc3f30229206ceeea9eb1cf030","url":"https://img.federalregister.gov/ER22FE10.021/ER22FE10.021_original_size.png","height":2192}},"ER22FE10.000":{"large":{"identifier":"ER22FE10.000","content_type":"image/png","size":92443,"width":766,"sha":"0017c21b5ce0561f10d02fd2a37d278b","url":"https://img.federalregister.gov/ER22FE10.000/ER22FE10.000_large.png","height":1206},"medium":{"identifier":"ER22FE10.000","content_type":"image/png","size":27863,"width":360,"sha":"8524e36308c1a168de1ae8dc2c41fdb9","url":"https://img.federalregister.gov/ER22FE10.000/ER22FE10.000_medium.png","height":567},"original_size":{"identifier":"ER22FE10.000","content_type":"image/png","size":175083,"width":2724,"sha":"3224646cdb229410d939a7584c0a6dad","url":"https://img.federalregister.gov/ER22FE10.000/ER22FE10.000_original_size.png","height":4287}},"ER22FE10.022":{"large":{"identifier":"ER22FE10.022","content_type":"image/png","size":36298,"width":823,"sha":"3e2786132a4b34fd558152c0448c1916","url":"https://img.federalregister.gov/ER22FE10.022/ER22FE10.022_large.png","height":520},"medium":{"identifier":"ER22FE10.022","content_type":"image/png","size":11790,"width":413,"sha":"37cb215d450adf61c164a753f775f66c","url":"https://img.federalregister.gov/ER22FE10.022/ER22FE10.022_medium.png","height":261},"original_size":{"identifier":"ER22FE10.022","content_type":"image/png","size":81076,"width":3120,"sha":"afe8876b400f3f0db089c202f29b7b3c","url":"https://img.federalregister.gov/ER22FE10.022/ER22FE10.022_original_size.png","height":1973}},"ER22FE10.001":{"large":{"identifier":"ER22FE10.001","content_type":"image/png","size":92606,"width":823,"sha":"5b51cf15f7a54f689283a8b2391f5f9e","url":"https://img.federalregister.gov/ER22FE10.001/ER22FE10.001_large.png","height":1055},"medium":{"identifier":"ER22FE10.001","content_type":"image/png","size":33963,"width":418,"sha":"cf9015d9ed7bc67fae0b60915301b516","url":"https://img.federalregister.gov/ER22FE10.001/ER22FE10.001_medium.png","height":536},"original_size":{"identifier":"ER22FE10.001","content_type":"image/png","size":173395,"width":3160,"sha":"fb1abd538d3ae64a0c77c21fbe44a0be","url":"https://img.federalregister.gov/ER22FE10.001/ER22FE10.001_original_size.png","height":4052}},"ER22FE10.023":{"large":{"identifier":"ER22FE10.023","content_type":"image/png","size":34728,"width":720,"sha":"6be9b76b0af87ebeec1596c8fa59d972","url":"https://img.federalregister.gov/ER22FE10.023/ER22FE10.023_large.png","height":529},"medium":{"identifier":"ER22FE10.023","content_type":"image/png","size":10456,"width":339,"sha":"d2984fc66541fbbb5900c57c22f4075a","url":"https://img.federalregister.gov/ER22FE10.023/ER22FE10.023_medium.png","height":249},"original_size":{"identifier":"ER22FE10.023","content_type":"image/png","size":72064,"width":2562,"sha":"1e5b31dff5469f9e15c9b6efe4e81f6b","url":"https://img.federalregister.gov/ER22FE10.023/ER22FE10.023_original_size.png","height":1883}},"ER22FE10.002":{"large":{"identifier":"ER22FE10.002","content_type":"image/png","size":108818,"width":807,"sha":"387def3e265a0e600bea670f65950641","url":"https://img.federalregister.gov/ER22FE10.002/ER22FE10.002_large.png","height":1209},"medium":{"identifier":"ER22FE10.002","content_type":"image/png","size":32497,"width":380,"sha":"582a2577afb79115808a16bd12828725","url":"https://img.federalregister.gov/ER22FE10.002/ER22FE10.002_medium.png","height":569},"original_size":{"identifier":"ER22FE10.002","content_type":"image/png","size":184080,"width":2870,"sha":"a7057b22a6129d737e945da50d68198a","url":"https://img.federalregister.gov/ER22FE10.002/ER22FE10.002_original_size.png","height":4299}},"ER22FE10.024":{"large":{"identifier":"ER22FE10.024","content_type":"image/png","size":26467,"width":823,"sha":"7bf52c3e5e8cec94d9686136b1ccbd41","url":"https://img.federalregister.gov/ER22FE10.024/ER22FE10.024_large.png","height":404},"medium":{"identifier":"ER22FE10.024","content_type":"image/png","size":9384,"width":408,"sha":"77637682e0a27d96a086985dcae350cb","url":"https://img.federalregister.gov/ER22FE10.024/ER22FE10.024_medium.png","height":200},"original_size":{"identifier":"ER22FE10.024","content_type":"image/png","size":48455,"width":3084,"sha":"fe7c69268622f381dab628c4eb386219","url":"https://img.federalregister.gov/ER22FE10.024/ER22FE10.024_original_size.png","height":1515}},"ER22FE10.014":{"large":{"identifier":"ER22FE10.014","content_type":"image/png","size":21072,"width":823,"sha":"9c1bd8e74b61851ddddbbed2a577df58","url":"https://img.federalregister.gov/ER22FE10.014/ER22FE10.014_large.png","height":331},"medium":{"identifier":"ER22FE10.014","content_type":"image/png","size":8646,"width":475,"sha":"9c017c9918973701dcfe5c6b521ced14","url":"https://img.federalregister.gov/ER22FE10.014/ER22FE10.014_medium.png","height":191},"original_size":{"identifier":"ER22FE10.014","content_type":"image/png","size":45505,"width":3583,"sha":"89b1c078b99602ca110ecba7e19bf3ea","url":"https://img.federalregister.gov/ER22FE10.014/ER22FE10.014_original_size.png","height":1439}},"ER22FE10.015":{"large":{"identifier":"ER22FE10.015","content_type":"image/png","size":41144,"width":671,"sha":"b445fc4d8e7c8cda2b05f08d19c40533","url":"https://img.federalregister.gov/ER22FE10.015/ER22FE10.015_large.png","height":494},"medium":{"identifier":"ER22FE10.015","content_type":"image/png","size":10200,"width":316,"sha":"34ec825d28cbfb91448d0cba2740c54c","url":"https://img.federalregister.gov/ER22FE10.015/ER22FE10.015_medium.png","height":233},"original_size":{"identifier":"ER22FE10.015","content_type":"image/png","size":94023,"width":2387,"sha":"0fee9f7e9a12aefd1b3e835595274b03","url":"https://img.federalregister.gov/ER22FE10.015/ER22FE10.015_original_size.png","height":1758}},"ER22FE10.016":{"large":{"identifier":"ER22FE10.016","content_type":"image/png","size":2453,"width":820,"sha":"8e484fb841f6a2c991f3ac6f822789a0","url":"https://img.federalregister.gov/ER22FE10.016/ER22FE10.016_large.png","height":359},"medium":{"identifier":"ER22FE10.016","content_type":"image/png","size":1059,"width":462,"sha":"1ac8b6a88563cf91758c32f73276d02e","url":"https://img.federalregister.gov/ER22FE10.016/ER22FE10.016_medium.png","height":202},"original_size":{"identifier":"ER22FE10.016","content_type":"image/png","size":4681,"width":3492,"sha":"c89ec1f774819c927db5666d4ea6dd8d","url":"https://img.federalregister.gov/ER22FE10.016/ER22FE10.016_original_size.png","height":1528}},"ER22FE10.017":{"large":{"identifier":"ER22FE10.017","content_type":"image/png","size":109477,"width":708,"sha":"12c40cfcf19612eb723b4d5e926e3062","url":"https://img.federalregister.gov/ER22FE10.017/ER22FE10.017_large.png","height":1379},"medium":{"identifier":"ER22FE10.017","content_type":"image/png","size":31001,"width":333,"sha":"4820c7840c64d34302ee33bc177227e5","url":"https://img.federalregister.gov/ER22FE10.017/ER22FE10.017_medium.png","height":648},"original_size":{"identifier":"ER22FE10.017","content_type":"image/png","size":246974,"width":2520,"sha":"3dca0e50a1f25457750241171135096f","url":"https://img.federalregister.gov/ER22FE10.017/ER22FE10.017_original_size.png","height":4907}},"ER22FE10.018":{"large":{"identifier":"ER22FE10.018","content_type":"image/png","size":84581,"width":708,"sha":"8344bd1e7d7fa6127bb665e858a10492","url":"https://img.federalregister.gov/ER22FE10.018/ER22FE10.018_large.png","height":1014},"medium":{"identifier":"ER22FE10.018","content_type":"image/png","size":21274,"width":333,"sha":"193d8a38bf743b466504792014369647","url":"https://img.federalregister.gov/ER22FE10.018/ER22FE10.018_medium.png","height":477},"original_size":{"identifier":"ER22FE10.018","content_type":"image/png","size":169059,"width":2519,"sha":"25b805884e036c28c36e72afa90b8323","url":"https://img.federalregister.gov/ER22FE10.018/ER22FE10.018_original_size.png","height":3606}},"ER22FE10.019":{"large":{"identifier":"ER22FE10.019","content_type":"image/png","size":125519,"width":727,"sha":"d4d2fbee420b52f8de71cbf2c828e8bc","url":"https://img.federalregister.gov/ER22FE10.019/ER22FE10.019_large.png","height":1374},"medium":{"identifier":"ER22FE10.019","content_type":"image/png","size":32021,"width":342,"sha":"6f8fb05f99ccd59dc21c362626323233","url":"https://img.federalregister.gov/ER22FE10.019/ER22FE10.019_medium.png","height":646},"original_size":{"identifier":"ER22FE10.019","content_type":"image/png","size":261318,"width":2585,"sha":"62b953b939f08c0acfc265378c658885","url":"https://img.federalregister.gov/ER22FE10.019/ER22FE10.019_original_size.png","height":4885}},"ER22FE10.010":{"large":{"identifier":"ER22FE10.010","content_type":"image/png","size":13009,"width":823,"sha":"c1f50a5a5e024f231dd16ae0a66e2483","url":"https://img.federalregister.gov/ER22FE10.010/ER22FE10.010_large.png","height":182},"medium":{"identifier":"ER22FE10.010","content_type":"image/png","size":5640,"width":453,"sha":"ef0365336c226c726c793abd4d056eb9","url":"https://img.federalregister.gov/ER22FE10.010/ER22FE10.010_medium.png","height":100},"original_size":{"identifier":"ER22FE10.010","content_type":"image/png","size":22810,"width":3415,"sha":"ba6003bcb27aaf4b4be4f53977270270","url":"https://img.federalregister.gov/ER22FE10.010/ER22FE10.010_original_size.png","height":755}},"ER22FE10.011":{"large":{"identifier":"ER22FE10.011","content_type":"image/png","size":6787,"width":823,"sha":"9a06fb4b2cb8dcd6b309bc2a6af58448","url":"https://img.federalregister.gov/ER22FE10.011/ER22FE10.011_large.png","height":50},"medium":{"identifier":"ER22FE10.011","content_type":"image/png","size":2716,"width":430,"sha":"43b0612c099cbd269c95634a61c98180","url":"https://img.federalregister.gov/ER22FE10.011/ER22FE10.011_medium.png","height":26},"original_size":{"identifier":"ER22FE10.011","content_type":"image/png","size":11313,"width":3291,"sha":"4e0698e7335a22a375afdd958ca7bee7","url":"https://img.federalregister.gov/ER22FE10.011/ER22FE10.011_original_size.png","height":199}},"ER22FE10.012":{"large":{"identifier":"ER22FE10.012","content_type":"image/png","size":29357,"width":666,"sha":"ce0f5b2cceaf7af8d8983bdd1c74fd09","url":"https://img.federalregister.gov/ER22FE10.012/ER22FE10.012_large.png","height":326},"medium":{"identifier":"ER22FE10.012","content_type":"image/png","size":7746,"width":313,"sha":"d392bf4fdd98b0624775ddec227961bf","url":"https://img.federalregister.gov/ER22FE10.012/ER22FE10.012_medium.png","height":153},"original_size":{"identifier":"ER22FE10.012","content_type":"image/png","size":79194,"width":2363,"sha":"8a245f7619ff759907c4d9443fc8eeac","url":"https://img.federalregister.gov/ER22FE10.012/ER22FE10.012_original_size.png","height":1156}},"ER22FE10.013":{"large":{"identifier":"ER22FE10.013","content_type":"image/png","size":31776,"width":823,"sha":"e2aa84c21702f098e168ec66bd4bc821","url":"https://img.federalregister.gov/ER22FE10.013/ER22FE10.013_large.png","height":443},"medium":{"identifier":"ER22FE10.013","content_type":"image/png","size":10435,"width":453,"sha":"4f0d09e1495db0bea3c7a1ca10338cd2","url":"https://img.federalregister.gov/ER22FE10.013/ER22FE10.013_medium.png","height":244},"original_size":{"identifier":"ER22FE10.013","content_type":"image/png","size":92793,"width":3417,"sha":"4e71853132eddd25311b8223947cbff2","url":"https://img.federalregister.gov/ER22FE10.013/ER22FE10.013_original_size.png","height":1838}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2010-624?publication_date=2010-02-22","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2010-02-22/2010-624/mods.xml","not_received_for_publication":null,"page_length":268,"page_views":{"count":8080,"last_updated":"2026-08-26 16:15:06 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2010-02-22","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2010/02/22/2010-624.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2010-02-22T16:02:43Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":7658,"subtype":null,"title":"Truth in Lending","toc_doc":"Truth in Lending","toc_subject":null,"topics":["Advertising","Consumer protection","Reporting and recordkeeping requirements"],"type":"Rule","volume":75}