WASHINGTON (4/7/10)--Final rules that prevent deceptive marketing of so-called "free credit reports" by requiring credit report advertisements to contain enhanced disclosures became effective on April 2. Specifically, the new Federal Trade Commission rules, which were required by the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (CARD Act), will clarify the distinction between the free credit reports available to consumers through AnnualCreditReport.com and those "free" reports conditioned on the purchase of products and services. While print and web-based advertisements must contain these disclosures as of April 2, the regulations governing disclosures for television and radio advertisements become effective on Sept. 1. The Credit Union National Association has advised credit unions that are bundling free credit reports with other products and services to pay special attention to these new disclosure requirements. For the FTC release, use the resource link.