# Truth in Lending
> **US Federal Reserve System** · Interim final rule; request for public comment. · Published 2009-07-22 · Effective 2009-08-20 · 74 FR 36077
## Document
- **Document number:** E9-17195
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 74 FR 36077
- **CFR reference:** 12 CFR 226
- **Publication date:** 2009-07-22
- **Effective date:** 2009-08-20
- **Docket:** Regulation Z
## Abstract

The Board is amending Regulation Z, which implements the Truth in Lending Act, and the staff commentary to the regulation in order to implement provisions of the Credit Card Accountability Responsibility and Disclosure Act of 2009 that are effective on August 20, 2009. These amendments are being issued in the form of an interim final rule and primarily pertain to advance notices of rate increases and changes in terms and the time consumers are given to make their payments.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2009/07/22/E9-17195/truth-in-lending)
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