Regulation AA

Unfair or Deceptive Acts or Practices

Summary

Establishes consumer complaint procedures and defines unfair or deceptive practices in extending credit to consumers

Small Entity Compliance Guide

Implements portions of the Federal Trade Commission Act

Proposed Amendments

There are currently no proposed amendments to Regulation AA 9.06.06

Recent Amendments

Technical amendments updating the addresses of Federal Reserve Banks to which consumer complaints about state member banks may be sent effective 3.07.06

Notice

Rules

12 CFR Part 227 Unfair or Deceptive Acts or Practices
Reg AA

Subpart A Consumer Complaints

227.1 Definitions
227.2 Consumer complaint procedure

Subpart B Credit Practices Rule

227.11 Authority, purpose, and scope
227.12 Definitions
227.13 Unfair credit contract provisions
227.14 Unfair or deceptive practices involving cosigners
227.15 Unfair late charges
227.16 State exemptions

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