TAILIEUCHUNG - AMENDMENTS TO RULE TO PREVENT DECEPTIVE MARKETING OF CREDIT REPORTS AND TO ENSURE ACCESS TO FREE ANNUAL FILE DISCLOSURES

The proposed amendments would require certain advertisements for “free credit reports” to include prominent disclosures designed to prevent consumers from confusing these “free” offers with the federally mandated free annual file disclosures available through the single centralized source. In addition, the Commission proposes amendments to delay advertisements for products and services through the centralized source until after the consumer receives his or her free annual file disclosure, and to prohibit other practices that may interfere with the free file disclosure process. Finally, the Commission proposes certain technical amendments to the Rule | Billing Code 6750-01S FEDERAL TRADE COMMISSION 16 CFR Part 610 RIN 3084-AA94 FREE ANNUAL FILE DISCLOSURES AMENDMENTS TO RULE TO PREVENT DECEPTIVE MARKETING OF CREDIT REPORTS AND TO ENSURE ACCESS TO FREE ANNUAL FILE DISCLOSURES AGENCY Federal Trade Commission. ACTION Notice of proposed rulemaking request for comment. SUMMARY Section 205 of the Credit CARD Act of 2009 requires the Federal Trade Commission FTC or Commission to issue a rule by February 22 2010 to prevent deceptive marketing of free credit reports. To that end the Commission proposes and seeks comment on amendments to the Commission s Free Annual File Disclosures Rule 16 CFR Part 610. The proposed amendments would require certain advertisements for free credit reports to include prominent disclosures designed to prevent consumers from confusing these free offers with the federally mandated free annual file disclosures available through the single centralized source. In addition the Commission proposes amendments to delay advertisements for products and services through the centralized source until after the consumer receives his or her free annual file disclosure and to prohibit other practices that may interfere with the free file disclosure process. Finally the Commission proposes certain technical amendments to the Rule. DATES Comments must be received on or before November 30 2009. ADDRESSES Interested parties are invited to submit written comments electronically or in paper form by following the instructions in the Request for Comments part of the 1 SUPPLEMENTARY INFORMATION section below. Comments in electronic form should be submitted by using the following weblink http ftc FreeCreditReportNPRM and following the instructions on the web-based form . Comments in paper form should be mailed or delivered to the following address Federal Trade Commission Office of the Secretary Room H-135 Annex T 600 Pennsylvania Avenue NW Washington DC 20580 in the manner detailed in the .

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