Federal Reserve Bank of Dallas. "Board Proposes Significant Changes to Regulation Z (Truth in Lending) : Press Release, Notice 09-48," District Notices (Federal Reserve Bank of Dallas) (July 23, 2009). https://fraser.stlouisfed.org/title/5569/item/615805/content/pdf/frbdallas_circ_20090723_no2009-48, accessed on September 15, 2026.