On 27 July 2012, the FA charged Terry for using "abusive and/or insulting words and/or behaviour" which "included a reference to the ethnic origin and/or colour and/or race of Ferdinand." The FA had delayed the charge until after the conclusion of Terry's criminal trial. Terry denied the charge. On the eve of the FA's hearing, Terry announced his retirement from the English national football team, saying his position had become "untenable" due to the disciplinary charge. On 27 September 2012, the hearing concluded with Terry being found guilty; he was punished with a four-match ban and a £220,000 fine.