Federal Reserve Bank of Dallas. "Agencies Publish Final Rules and Guidelines to Promote Accurate Reports About Consumers : Federal Register Notice, Proposed Rules, Notice 09-44," District Notices (Federal Reserve Bank of Dallas) (July 2, 2009). https://fraser.stlouisfed.org/title/5569/item/615802/content/pdf/frbdallas_circ_20090702_no2009-44_frnoticeProposed, accessed on March 16, 2026.