HMDA: The Fed said it would require banks to use the four-digit year when submitting Home Mortgage Disclosure Act data. Published Sept. 30. Effective March 31.

ELECTRONIC BANKING: The Fed said it would cut in half to 10 days the amount of time a bank may wait before providing consumers with provisional credit in point of sale transaction disputes. Published Sept. 29. Effective Sept. 24, with compliance optional until April 1.

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