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 Memoranda Prepared by Schwartz & Ballen LLP
2003

FACT Act - Effective Dates (12-17-03)
FACT Act - Users of Consumer Reports
(12-11-03)
Terrorism Risk Insurance Act - Proposed Rule(12-10-03)
FACT Act - Furnisher Information
(12-4-03)
FACT Act - Medical Information
(12-3-03)
Fair and Accurate Credit Transactions Act of 2004 (FACT) (11-25-03)
Amendments to Fair Credit Reporting Act (H.R. 2622) (11-10-03)
Joint Agency Statement on Independent Appraisal and Evaluation Functions (10-30-03)
Passage of the Check Clearing for the 21st Century Act (10-17-03)
 California SB 27 -  Personal Information: Disclosure to Direct Marketers (9-26-03)
Agency Action on Risk-Based Capital Standards and Asset-Backed Commercial Paper Programs
(9-12-03)
Federal Reserve Board Proposals on Anti-Tying Restrictions (8-27-03)
FTC's Advisory Opinion on Applicability of the Telemarketing Sales Rule to Telemarketers Acting on Behalf of Insurers (8-21-03)
FCC's Do Not Call Rule (8-1-03)
Treasury's Final Rule on the Terrorism Risk Insurance Act of 2002 (7-10-03)
Treasury's Request for Comment on Customer Identification Programs
(7-1-03)
SEC's Final Rule on Management's Report on Internal Control over Financial Reporting (6-19-03)
Regulatory Review by Banking Agencies (6-17-03) 
SEC's Final Rule on Improper Influence on Conduct of Audits (5-29-03)
Anti-Spam Legislation
  Burns-Wyden CAN-SPAM Act of 2003 (S.877)
   Schumer SPAM Act (S. 1231)
   Wilson Anti-Spam Act of 2003
   (H.R. 2515)
Do-Not-Call Implementation Act
(4-17-03) 
Interagency Policy Statement on the Internal Audit Function (3-27-03)
SEC Final Rule:  Exceptions for Banks as Dealers and Brokers (2-28-03) 

OCC Guidance on Predatory and Abusive Lending Practices (2- 27-03)

SEC's Final and Proposed Rules on Standards of Professional Conduct for Attorneys (2-7-03)
SEC's Proposed Rule on Audit Committee Standards
(1-21-03) 
Banking Agencies' Guidance on Credit Card Account Management and Loss Allowance (1-10-03)
Interagency Proposal to Consider Alternative Forms of Privacy Notices (12-12-03)
Disclosure Rules Under Consumer Protection Regulations (12-11-03)
CAN-SPAM Act of 2003 (12-9-03)
Expiration of Conditional Exception to FinCEN Bank Secrecy Act Travel Rule (12-1-03)
FACT Act - Affiliate Sharing (11- 24-03)
California SB 186 - Unsolicited Commercial E-Mail Advertising
(10-31-03)
Summary of CAN-SPAM Act of 2003 (S.877) as Passed by the Senate (10-24-03)
Terrorism Risk Insurance Act - Final Rules (10-15-03)
California Financial Information Privacy Act (SB 1)
   Memorandum (9-18-03)
   Summary (9-4-03)
Regulation E and Debit Card Identification (9-10-03)
Proposed Interagency Guidance on Response Programs to Protect Against Identity Theft (8-25-03)
OCC's Proposed Rule on National Bank Activities and Preemption of State Law (8-1-03)
OCC's Preemption Determination and Order on Georgia Fair Lending Act
(8-1-03)
Federal Reserve Board's Final Rule - Regulation Y and Derivative Activities (7-2-03) 
FCC's Do-Not-Call Rule (6-30-03)
Treasury's Study on Potential Effects of Acts of Terrorism on Availability of Life Insurance (6-17-03)
Overview of Check 21 Act
Final USA PATRIOT Act Rules on Customer Identification (5-2-03)
Treasury's Proposed Rule on Indorsement and Payment of Checks Drawn on United States Treasury
(4- 24-03)
SEC's Final Rule on Audit Committee Standards (4-18-03)
Business Checking Freedom Act of 2003 (H.R. 758) (4-2-03)
Treasury's Final and Proposed Rules on the Terrorism Risk Insurance Act of 2002 (3-4-03)
OCC Request for Public Comment on Georgia Fair Lending Act Preemption Determination  (2-27-03) 
FinCEN's Reinstatement of USA Patriot Act Section 314(a) Information Requests (2-12-03)
Testimony of Gilbert Schwartz before the California State Assembly on Issues Relating to the Collection and Sharing of Information by the Insurance Industry (1-29-03)
Treasury's Proposed Rule on Suspicious Activity Reporting for Mutual Funds (1-17-03)
   





Updated:  11/11/03