{"abstract":"The OCC, Board, FDIC, OTS and NCUA published in the Federal Register final rules to implement the affiliate marketing provisions of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) on November 7, 2007. The Commission published its final affiliate marketing rule on October 30, 2007. The OCC, Board, FDIC, OTS, NCUA and the Commission (Agencies) published in the Federal Register final rules and guidelines to implement the identity theft red flags and address discrepancy provisions of the FACT Act on November 9, 2007. The technical corrections included in this Federal Register document revise one of the affiliate marketing model forms and the instructions to the model forms to correct inadvertent omissions and conform the model forms and the instructions to the affiliate marketing rules, and correct minor errors in the identity theft red flags and address discrepancy rules and guidelines. The substantive requirements of the affiliate marketing and the identity theft red flags and address discrepancy rules are unchanged.","action":"Final rules; technical corrections.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"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"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"Office of Thrift Supervision","name":"Thrift Supervision Office","id":489,"url":"https://www.federalregister.gov/agencies/thrift-supervision-office","json_url":"https://www.federalregister.gov/api/v1/agencies/489","parent_id":497,"slug":"thrift-supervision-office"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"},{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2009/05/14/E9-10009.html","cfr_references":[{"chapter":null,"citation_url":null,"part":41,"title":12},{"chapter":null,"citation_url":null,"part":222,"title":12},{"chapter":null,"citation_url":null,"part":334,"title":12},{"chapter":null,"citation_url":null,"part":571,"title":12},{"chapter":null,"citation_url":null,"part":717,"title":12},{"chapter":null,"citation_url":null,"part":641,"title":16},{"chapter":null,"citation_url":null,"part":681,"title":16},{"chapter":null,"citation_url":null,"part":698,"title":16}],"citation":"74 FR 22639","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"These final rules are effective May 14, 2009, except for the amendments in instructions 4, 10, 15, 20, 26, and 34 relating to appendices C to 12 CFR parts 41, 222, 334, 571, 717 and 16 CFR part 698, respectively, which are effective January 1, 2010.","disposition_notes":null,"docket_ids":["Docket ID OCC-2009-0001","Regulation V","Docket No. R-1203, R-1255","Docket ID OTS-2008-0024"],"dockets":[],"document_number":"E9-10009","effective_on":"2009-05-14","end_page":22646,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2009/05/14/E9-10009.xml","html_url":"https://www.federalregister.gov/documents/2009/05/14/E9-10009/fair-credit-reporting-affiliate-marketing-regulations-identity-theft-red-flags-and-address","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/E9-10009?publication_date=2009-05-14","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2009-05-14/E9-10009/mods.xml","not_received_for_publication":null,"page_length":8,"page_views":{"count":1085,"last_updated":"2026-10-25 10:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2009-05-14/pdf/E9-10009.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2009-05-14","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2009/05/14/E9-10009.txt","regulation_id_number_info":{"3064-AC83":{"issue":"200710","html_url":"https://www.federalregister.gov/regulations/3064-AC83/fair-credit-reporting-affiliate-marketing-regulations","title":"Fair Credit Reporting Affiliate Marketing Regulations","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=200710&RIN=3064-AC83&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"},"3133-AC90":{"issue":"200710","html_url":"https://www.federalregister.gov/regulations/3133-AC90/fair-and-accurate-credit-transactions-act-facta-red-flag-guidelines-and-rule","title":"Fair and Accurate Credit Transactions Act (FACTA) Red Flag Guidelines and 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2003","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=200904&RIN=1557-AD14&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"},"3064-AD00":{"issue":"200710","html_url":"https://www.federalregister.gov/regulations/3064-AD00/identity-theft-red-flags-and-address-discrepancies-under-the-fair-and-accurate-credit-transactions-a","title":"Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=200710&RIN=3064-AD00&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"},"3133-AD00":{"issue":"200710","html_url":"https://www.federalregister.gov/regulations/3133-AD00/fair-credit-reporting-affiliate-use-of-information-for-marketing-solicitations","title":"Fair Credit Reporting--Affiliate Use of Information for Marketing Solicitations","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=200710&RIN=3133-AD00&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"},"1550-AC30":{"issue":"200904","html_url":"https://www.federalregister.gov/regulations/1550-AC30/fair-credit-reporting-affiliate-marketing-regulations-identity-theft-red-flags-and-address-discrepan","title":"Fair Credit Reporting Affiliate Marketing Regulations; Identity Theft Red Flags and Address Discrepancies under the Fair and Accurate Credit Transactions Act of 2003","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=200904&RIN=1550-AC30&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["1550-AC30","1557-AD14","3064-AC83","3064-AD00","3084-AA94","3133-AC90","3133-AD00"],"regulations_dot_gov_info":{},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":22639,"subtype":null,"title":"Fair Credit Reporting Affiliate Marketing Regulations; Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003","toc_doc":"Indentity Theft Red Flags and Address Descrepancies under the Fair and Accurate Credit Transactions Act (2003)","toc_subject":"Fair Credit Reporting Affiliate Marketing Regulations:","topics":["Administrative practice and procedure","Bank deposit insurance","Banks, banking","Consumer protection","Credit","Credit unions","Holding companies","Privacy","Reporting and recordkeeping requirements","Savings associations","Trade practices"],"type":"Rule","volume":74}