{"abstract":"On February 22, 2010 and June 29, 2010, the Board published in the Federal Register final rules amending Regulation Z's provisions that apply to open-end (not home-secured) credit plans, in each case in order to implement provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009. The Board believes that clarification is needed regarding compliance with certain aspects of the final rules. Accordingly, to facilitate compliance, the Board is further amending specific portions of the regulations and official staff commentary.","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/2011/04/25/2011-8843.html","cfr_references":[{"chapter":null,"citation_url":null,"part":226,"title":12}],"citation":"76 FR 22948","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"Effective Date: October 1, 2011. Mandatory Compliance Date: October 1, 2011. Creditors may, at their option, comply with this rule prior to October 1, 2011.","disposition_notes":null,"docket_ids":["Regulation Z","Docket No. R-1393"],"dockets":[],"document_number":"2011-8843","effective_on":"2011-10-01","end_page":23040,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2011/04/25/2011-8843.xml","html_url":"https://www.federalregister.gov/documents/2011/04/25/2011-8843/truth-in-lending","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2011-8843?publication_date=2011-04-25","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2011-04-25/2011-8843/mods.xml","not_received_for_publication":null,"page_length":93,"page_views":{"count":3139,"last_updated":"2026-10-23 22:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2011-04-25/pdf/2011-8843.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2011-04-25","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2011/04/25/2011-8843.txt","regulation_id_number_info":{"7100-AD55":{"issue":"201104","html_url":"https://www.federalregister.gov/regulations/7100-AD55/regulation-z-truth-in-lending-docket-no-r-1393-","title":"Regulation Z--Truth in Lending(Docket No. R-1393)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201104&RIN=7100-AD55&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["7100-AD55"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2011-05-14T08:07:02Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":22948,"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":76}