This is to advise you that in the July 21,2011 Federal Register, the Bureau of Consumer Financial Protection (CFPB) published the attached final list of the federal regulations that will be enforced by the CFPB starting today, July 21, 2011, the designated transfer date established under the Dodd-Frank Wall Street Refonn and Consumer Protection Act of 2010 (Dodd-Frank Act). The CFPB’s publication of this list will not have a substantive effect on any regulations or the parties who may be subject to them; it merely provides a convenient reference source. The inclusion or exclusion of any regulation does not alter the CFPB’s authority, as Title X of the Dodd-Frank Act and other applicable law defines CFPB’s authority. In addition, the Dodd-Frank Act does not require the CFPB to update, correct, or otherwise maintain the final list. We are also providing the following link to the pages of the Federal Register attached to this memorandum for your infonnation and use: http://www_gpo_gov/fdsys/pkglFR-2011-07-211pdfI2011-18426.pdf.

Complete Memorandum