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<tr><td><b>Comment Number: </b></td><td>534730-00010</td></tr>

<tr><td><b>Received: </b></td><td>8/18/2008 10:28:48 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>FACT Act Risk-Based Pricing Rule</td></tr>

<tr><td><b>Attachments:</b></td><td><a href='534730-00010.pdf'>534730-00010.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>Attached are ICBA's comments on the proposed rules to implement section 311 of the Fair and Accurate Credit Transactions Act of 2003. If you have any questions or need additional information, please contact me. Thank you.</body></html>�