; or (D) a third-party with whom an insured credit union has contracted for products or services related to origination, servicing, or administrative management of a small-dollar credit product. (2) Federal banking agency definitions The terms appropriate Federal banking agency and Federal banking agency have the meaning given those terms, respectively, in section 3 of the Federal Deposit Insurance Act. (3) Insured credit union The term insured credit union has the meaning given the term in section 101 of the Federal Credit Union Act. (4) Insured depository institution The term insured depository institution has the meaning given the term in section 3 of the Federal Deposit Insurance Act. (5) Small-dollar credit product The term small-dollar product means a loan or line of credit with a value of $3,500 or less. . (b) Clerical amendment The table of contents for chapter 1 of the Truth in Lending Act is amended by striking the item relating to section 110 and inserting the following: 110. Safe harbor for Small-dollar credit products. . II Rectifying Undefined Descriptions of Abusive Acts and Practices 201. Mitigating factors in assessing civil penalties Section 1055(c) of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5565(c) ) is amended by adding at the end the following: (6) Rulemaking The Bureau shall, not later than 180 days after the date of the enactment of this paragraph, issue a rule that establishes policies and procedures relating to the imposition of civil monetary penalties sought under this subsection, including the application of the mitigating factors described in paragraph (3). . 202. Rulemaking relating to unfair, deceptive or abusive acts or practices (a) In general Section 1031 of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5531 ) is amended by striking subsection (b) and inserting the following: (b) Rulemaking (1) In general The Bureau may prescribe rules applicable to a covered person or service provider identifying as unlawful unfair, deceptive, or abusive acts or