Congress, in the Federal Civil Monetary Penalty Inflation Adjustment Act of 1990, as amended by the Debt Collection Improvement Act of 1996, required all federal agencies with the authority to impose civil monetary penalties (CMPs) to regularly evaluate those CMPs to ensure that they continue to maintain their deterrent value. As a result of these acts, the head of each agency is required, by October 23, 1996, and at least once every four years thereafter, to adjust its CMPs for inflation. In order to comply with Congress' mandate, the National Credit Union Administration is issuing this final rule to implement the required adjustments to the CMPs authorized by the Federal Credit Union Act.