Federal Reserve Bank of Dallas. "Agencies Propose Clarifications to Credit Card Rules : Press Release, Notice 09-23," District Notices (Federal Reserve Bank of Dallas) (April 21, 2009). https://fraser.stlouisfed.org/title/5569/item/615782/content/pdf/frbdallas_circ_20090421_no2009-23, accessed on September 15, 2026.