(S (S (BASENP (DT All) (NN three) (NN credit) (NN card) (NNS executives)) (VP (ADVP (RB also)) (VP (VBD mentioned) (NP (NP (BASENP (DT an) (JJ ongoing) (NNP Federal) (NNP Reserve) (NNP System) (NN review)) (PP (IN of) (BASENP (NN credit) (NN card) (NNS rules)))) (SBAR (WHNP (WDT that)) (S (VP (ADVP (RB already)) (VP (VBZ proposes) (NP (BASENP (DT a) (JJ 45-day) (NN notification)) (ADVP (RB ahead) (PP (IN of) (BASENP (DT any) (NN rate) (NNS changes))))))))))))) (PERIOD .))