# Truth in Savings
> **US Federal Reserve System** · Final rule; official staff commentary. · Published 2009-01-29 · Effective 2010-01-01 · 74 FR 5584
## Document
- **Document number:** E8-31183
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 74 FR 5584
- **CFR reference:** 12 CFR 230
- **Publication date:** 2009-01-29
- **Effective date:** 2010-01-01
- **Docket:** Regulation DD
## Abstract

The Federal Reserve Board (Board) is amending Regulation DD, which implements the Truth in Savings Act, and the official staff commentary to the regulation to require all depository institutions to disclose aggregate overdraft fees on periodic statements, and not solely institutions that promote the payment of overdrafts. The final rule also addresses balance disclosures provided to consumers through automated systems. In addition, the Board is separately issuing a proposed rulemaking, published in today's Federal Register, to incorporate the notice requirements into Regulation E that were previously proposed under Regulation DD.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2009/01/29/E8-31183/truth-in-savings)
---
*AI Analytics · CC0 1.0*