12 USC § 4809 - “Plain language” requirement for Federal banking agency rules

---
identifier: "/us/usc/t12/s4809"
source: "usc"
legal_status: "official_prima_facie"
title: "12 USC § 4809 - “Plain language” requirement for Federal banking agency rules"
title_number: 12
title_name: "BANKS AND BANKING"
section_number: "4809"
section_name: "“Plain language” requirement for Federal banking agency rules"
chapter_number: 48
chapter_name: "FINANCIAL INSTITUTIONS REGULATORY IMPROVEMENT"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(Pub. L. 106–102, title VII, § 722, Nov. 12, 1999, 113 Stat. 1471.)"
---


# § 4809. “Plain language” requirement for Federal banking agency rules

**(a)** **In general** January 1, 2000

Each Federal banking agency shall use plain language in all proposed and final rulemakings published by the agency in the Federal Register after .

**(b)** **Report** March 1, 2001

Not later than , each Federal banking agency shall submit to the Congress a report that describes how the agency has complied with subsection (a).

**(c)** **Definition** section 1813 of this title

For purposes of this section, the term “Federal banking agency” has the meaning given that term in .

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**Source Credit**: (Pub. L. 106–102, title VII, § 722, Nov. 12, 1999, 113 Stat. 1471.)

## Editorial Notes

### Codification

Section was enacted as part of the Gramm-Leach-Bliley Act, and not as part of title III of  which comprises this chapter.