TRUTH-IN-LENDING: The Fed adjusted for inflation the dollar amount of fees and points that trigger additional Truth-in-Lending Act disclosures. Lenders must make the extra disclosures if fees and points exceed the greater of $441 or 8% of the loan's value. Published Dec. 2. Effective Jan. 1.

DERIVATIVES: The Office of Thrift Supervision approved a rule permitting thrifts to invest in derivatives, provided the transactions are legal and meet safety-and-soundness standards. The rule also required boards of directors to draft written derivatives policies and periodically check to make sure they are being honored. Published Dec. 1. Effective Jan. 1, but a thrift may choose to comply as early as Dec. 1.

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