[Federal Register Volume 71, Number 44 (Tuesday, March 7, 2006)]
[Rules and Regulations]
[Pages 11296-11297]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 06-2123]


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FEDERAL RESERVE SYSTEM

12 CFR Part 202

[Regulation B; Docket No. R-1251]


Equal Credit Opportunity

AGENCY: Board of Governors of the Federal Reserve System.

ACTION: Final Rule; Technical amendments.

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SUMMARY: The Board is publishing technical amendments to Regulation B 
(Equal Credit Opportunity Act) to update the addresses of certain 
federal enforcement agencies.

dates: Effective Date: March 7, 2006.

FOR FURTHER INFORMATION CONTACT: Minh-Duc T. Le, Senior Attorney, 
Division of Consumer and Community Affairs, Board of Governors of the 
Federal Reserve System, at (202) 452-3667. For the users of 
Telecommunications Device for the Deaf (``TDD'') only, contact (202) 
263-4869.

SUPPLEMENTARY INFORMATION: The Equal Credit Opportunity Act (ECOA), 15 
U.S.C. 1691-1691f, makes it unlawful for a creditor to discriminate 
against an applicant in any aspect of a credit transaction on the basis 
of the applicant's national origin, marital status, religion, sex, 
color, race, age (provided the applicant has the capacity to contract), 
receipt of public assistance benefits, or the good faith exercise of a 
right under the Consumer Credit Protection Act, 15 U.S.C. 1601 et seq. 
The ECOA is implemented by the Board's Regulation B.
    In addition to the general prohibition against discrimination, 
Regulation B contains specific rules concerning the taking and 
evaluation of credit applications, including procedures and notices for 
credit denials and other adverse action. Under section 202.9 of 
Regulation B, notification given to an applicant when adverse action is 
taken must contain the name and address of the federal agency that 
administers compliance with respect to the creditor. The federal 
agencies' names and addresses are listed in Appendix A of Regulation B. 
This technical amendment updates the addresses of the Office of the 
Comptroller of the Currency and the United States Small Business 
Administration.

12 CFR Chapter II

List of Subjects in 12 CFR Part 202

    Aged, Banks, banking, Civil rights, Consumer protections, Credit, 
Discrimination, Federal Reserve System, Marital status discrimination, 
Penalties, Religious discrimination, Sex discrimination.

Authority and Issuance

0
For the reasons set forth in the preamble, the Board amends 12 CFR part 
202 to read as follows:

PART 202--EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)

0
1. The authority citation for part 202 continues to read as follows:

    Authority: 15 U.S.C. 1691-1691f.


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2. Appendix A is amended by revising the following Federal Enforcement 
Agencies addresses to read as follows:

APPENDIX A TO PART 202--FEDERAL ENFORCEMENT AGENCIES

* * * * *
    National Banks, and Federal Branches and Federal Agencies of 
Foreign Banks: Office of the Comptroller of the Currency, Customer 
Assistance

[[Page 11297]]

Group, 1301 McKinney Avenue, Suite 3450, Houston, TX 77010.
* * * * *
    Small Business Investment Companies: Associate Deputy Administrator 
for Capital Access, United States Small Business Administration, 409 
Third Street, SW., 8th Floor, Washington, DC 20416.
* * * * *

    By order of the Board of Governors of the Federal Reserve 
System, acting through the Secretary of the Board under delegated 
authority, March 1, 2006.
Jennifer J. Johnson,
Secretary of the Board.
[FR Doc. 06-2123 Filed 3-6-06; 8:45 am]
BILLING CODE 6210-01-P