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Federal Reserve Bank of Dallas ROBERT D. McTEER, JR. DALLAS, TEXAS 75265-5906 PRESIDENT AND CHIEF EXECUTIVE OFFICER June 11, 1999 Notice 99-41 TO: The Chief Executive Officer of each financial institution and others concerned in the Eleventh Federal Reserve District SUBJECT Revised Consumer Handbook on Adjustable Rate Mortgages DETAILS The Board of Governors of the Federal Reserve System has announced that it has issued a revised Consumer Handbook on Adjustable Rate Mortgages brochure. Regulation Z, which implements the Truth in Lending Act, requires creditors to provide the brochure, or a suitable substitute, to consumers when an application form is provided or before the consumer pays a nonrefundable fee. Creditors may use the earlier version of the brochure until existing supplies are exhausted. Copies of the revised brochure are available from Publications Services, Mail Stop 127, Board of Governors of the Federal Reserve System, Washington, DC 20551. The first 100 copies are free. The brochure also is available on the Board’s web site at http://www.federalreserve.gov/consumers.htm. MORE INFORMATION For additional copies of this Bank’s notice, contact the Public Affairs Department at (214) 922-5254. Sincerely yours, For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal Reserve Bank of Dallas: Dallas Office (800) 333-4460; El Paso Branch Intrastate (800) 592-1631, Interstate (800) 351-1012; Houston Branch Intrastate (800) 392-4162, Interstate (800) 221-0363; San Antonio Branch Intrastate (800) 292-5810.