<!DOCTYPE HTML PUBLIC '-//W3C//DTD HTML 4.0 Transitional//EN'>

<html><head><title>533527-00011.htm</title>

<meta name='vs_defaultClientScript' content='JavaScript'>

<meta http-equiv="Content-Type" content="text/html; charset=utf-8">

<meta name='vs_targetSchema' content='http://schemas.microsoft.com/intellisense/ie3-2nav3-0'>

<meta name='Originator' content='CommentWorks'></head><body><Table>

<tr><td><b>Comment Number: </b></td><td>533527-00011</td></tr>

<tr><td><b>Received: </b></td><td>2/8/2008 11:23:18 AM</td></tr>

<tr><td><b>Organization: </b></td><td>Independent Community Bankers of America</td></tr>

<tr><td><b>Commenter: </b></td><td>Robert Rowe</td></tr>

<tr><td><b>State: </b></td><td>DC</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act</td></tr>

<tr><td><b>Attachments:</b></td><td><a href='533527-00011.pdf'>533527-00011.pdf</a>&nbsp<a href='http://www.adobe.com/products/acrobat/readstep2.html' target = _blank >Download Adobe Reader</a><br></td></tr></Table>

<hr><P><b>Comments:</b></p>ICBA's comment letter is attached in a PDF file.</body></html>