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 Memoranda Prepared by Schwartz & Ballen LLP
2004

	FACT Act: Final Rule on Disposal of Consumer Information (12-21-04)
	CAN-SPAM Act: FTC Final Rule Defining Commercial E-Mail (12-16-04)
	Agencies' Statement on Bank-Owned Life Insurance (12-8-04)
	Federal Reserve Bank Holding Company Rating System (12-1-04)
	FTC Final Rule on Disposal of Consumer Information (11-18-04)
	FSB Agents and State Licenses (11-10-04)
	FACT Act: FTC Proposed Fee for Credit Scores (11-4-04)
	FCC Extends Effective Date for Do Not Fax Rule (10-4-04)
	FACT Act: FTC Proposed Rule on Prescreened Solicitations and the Right to Opt Out (9-28-04)
	FTC E-mail Authentication Summit (9-15-04)
	OCC Rule Regarding Change in Asset Composition (8-18-04)
	FCC Rule Prohibiting Sending of Commercial Messages to Wireless Phones and Pagers (8-9-04)
	Final Regulation Implementing Check 21 Act (7-27-04)
	Risk-Based Capital Stds. and Asset-Backed Commercial Paper Programs  (7-21-04)
	FTC Summaries of Rights and Notices of Duties (7-13-04)
	FCRA Pre-emption Decision (7-2-04)
	Federal Reserve Board Withdrawal of Proposed Disclosure Rules (6-22-04)
	FACT Act:  FTC Notice of Study on the Effects of Credit Scores and Credit-Based Insurance Scores (6-16-04)
	FACT Act - Federal Reserve Board Final Rule on Model Form for Use By Furnishers of Information (6-9-04)
	FACT Act - FTC Final Rule on Free Annual Credit Reports (6-4-04)
	Proposed Interagency Guidance on Overdraft Protection Programs (5-28-04)
	FACT Act -  Study and Request for Comment on Prescreened Solicitations of Credit and Insurance (5-20-04)
	Interagency Statement on Sound Practices Concerning Complex Structured Finance Activities (5-17-04)
	Federal Reserve Board Proposed Rule on Risk-Based Capital Standards (5-11-04)
	FACT Act - FTC Proposed Rule on Identity Theft (4-29-04)
	FDIC Proposed Rule on Whether Funds Underlying Stored Value Cards Qualify as Insurable Deposits (4-12-04)
	FACT Act - Joint Agency Proposed Rule on Medical Information (4-7-04)
	OCC Proposed Rule - National Banks' Annual Report on Operating Subsidiaries (3-25-04)
	FACT Act:  Proposed FTC Rule on Free Annual Credit Reports (3-18-04)
	Interagency Guidance on Unfair or Deceptive Acts or Practices by State-Chartered Banks (3-12-04)
	FACT Act - Treasury to Study Biometrics and Reduction of Identity Theft Incidences (3-2-04)
	Do Not Call Rules Upheld by the Tenth Circuit US Court of Appeals (2-18-04)
	Applicability of the Anti-Tying Provisions of the Bank Holding Company Act Amendments of 1970 (2-12-04)
	Proposed Amendment of Community Reinvestment Act Regulations (1-21-04)
	OCC Final Rules on State Preemption and Visitorial Powers (1-8-04)

	California SB 27 Effective Date (12-21-04)
	Federal Reserve Report on Prescreened Offers (12-8-04)
	FACT Act: Agencies' General Counsel Letter (12-2-04)
	Summaries of Rights and Notices of Duties Required Under FACT Act (11-22-04)
	FTC Proposed Amendment to TSR on Call Abandonment (11-15-04)
	OCC Rule on Annual Reports by Natl. Banks on Subsidiaries (11-9-04)
	FACT Act: FTC Final Rules on Identity Theft, Active Duty Alerts + Proof of Identity (11-1-04)
	Regulation J: Check 21-Related Amendments to Final Rule (10-25-04)
	Petition for Ruling Relating to Pre-emption of NJ Telemarketing Rules (10-19-04)
	FACT Act: SEC Proposed Rule on Disposal of Consumer Information and Records (9-15-04)
	Federal Reserve Proposed Rule on Electronic Fund Transfers (9-14-04)
	CAN SPAM Act: FTC Notice of Proposed Rulemaking (8-12-04)
	Federal Reserve Requests Comment on Study of Investigations of Disputed Consumer Information (8-6-04)
	Treasury Report on the Information Sharing Practices of Financial Institutions (7-27-04)
	Regulatory Review By Banking Agencies Memorandum (7-20-04)
	SEC's Notice of Proposed Rulemaking on Affiliate Marketing  (7-9-04)
	FACT Act - Banking Agencies' Proposed Rule on Affiliate Marketing (6-24-04)
	FACT Act - FTC's Proposed Rule on Affiliate Marketing (Detailed) (6-18-04)
	FACT Act - FTC's Proposed Rule on Affiliate Marketing (Summary) (6-11-04)
	FACT Act - Interagency Proposed Rule on Disposal of Consumer Information and Records (6-8-04)
	Federal Reserve Board Proposed Amendments to Regulation DD (5-28-04)
	Interagency Advisory on Court Decision on Safe Harbor Protection for Institutions Filing SARs (5-27-04)
	Federal Reserve Board Request for Comment on Adequacy of Existing Disclosures for Debit Card Fees (5-19-04)
	FTC Letter on Foreign Outsourcing and Privacy of Customer Information (5-14-04)
	FTC Proposed Rule Amending the Fee Structure for the National Do Not Call Registry (5-3-04)
	FACT Act - FTC Proposed Rule on Disposal of Consumer Information and Records (4-21-04)
	FACT Act - Board Proposed Rule on Model Form For use by Furnishers of Information (4-8-04)
	FCC Proposed Rules on Mobile Service Commercial Messages and National Do Not Call Registry (4-1-04)
	Amendment of Telemarketing Sales Rule (3-24-04)
	Check 21 Act (3-18-04)
	CAN-SPAM Act - FTC's Advance Notice of Proposed Rulemaking (3-11-04)
	FACT Act:  Prohibition Against Circumventing Treatment as a Nationwide Consumer Reporting Agency (2-24-04)
	Amendment of the Telemarketing Sales Rule (2-13-04)
	Final Rule on FACT Act Effective Dates (2-5-04)
	Guidance on Customer Identification Regulations(1-9-04)

Updated:  2/21/05