diff --git a/activerecord/lib/rails/generators/active_record/model/model_generator.rb b/activerecord/lib/rails/generators/active_record/model/model_generator.rb
index 99a022461e..f3bb70fb41 100644
--- a/activerecord/lib/rails/generators/active_record/model/model_generator.rb
+++ b/activerecord/lib/rails/generators/active_record/model/model_generator.rb
@@ -30,6 +30,10 @@ module ActiveRecord
         attributes.select { |a| a.has_index? || (a.reference? && options[:indexes]) }
       end
 
+      def accessible_attributes
+        attributes.reject(&:reference?)
+      end
+
       hook_for :test_framework
 
       protected
diff --git a/activerecord/lib/rails/generators/active_record/model/templates/model.rb b/activerecord/lib/rails/generators/active_record/model/templates/model.rb
index 5c47f8b241..d56f9f57a4 100644
--- a/activerecord/lib/rails/generators/active_record/model/templates/model.rb
+++ b/activerecord/lib/rails/generators/active_record/model/templates/model.rb
@@ -3,5 +3,10 @@ class <%= class_name %> < <%= parent_class_name.classify %>
 <% attributes.select {|attr| attr.reference? }.each do |attribute| -%>
   belongs_to :<%= attribute.name %>
 <% end -%>
+<% if !accessible_attributes.empty? -%>
+  attr_accessible <%= accessible_attributes.map {|a| ":#{a.name}" }.sort.join(', ') %>
+<% else -%>
+  # attr_accessible :title, :body
+<% end -%>
 end
 <% end -%>
diff --git a/railties/lib/rails/generators/rails/app/templates/config/application.rb b/railties/lib/rails/generators/rails/app/templates/config/application.rb
index acf47a03e5..03242a3bef 100644
--- a/railties/lib/rails/generators/rails/app/templates/config/application.rb
+++ b/railties/lib/rails/generators/rails/app/templates/config/application.rb
@@ -54,7 +54,7 @@ module <%= app_const_base %>
     # This will create an empty whitelist of attributes available for mass-assignment for all models
     # in your app. As such, your models will need to explicitly whitelist or blacklist accessible
     # parameters by using an attr_accessible or attr_protected declaration.
-    # config.active_record.whitelist_attributes = true
+    config.active_record.whitelist_attributes = true
 
     # Specifies wether or not has_many or has_one association option :dependent => :restrict raises
     # an exception. If set to true, then an ActiveRecord::DeleteRestrictionError exception would be
diff --git a/railties/test/generators/model_generator_test.rb b/railties/test/generators/model_generator_test.rb
index 156fa86eee..e8d933935d 100644
--- a/railties/test/generators/model_generator_test.rb
+++ b/railties/test/generators/model_generator_test.rb
@@ -317,4 +317,14 @@ class ModelGeneratorTest < Rails::Generators::TestCase
       end
     end
   end
+
+  def test_attr_accessible_added_with_non_reference_attributes
+    run_generator
+    assert_file 'app/models/account.rb', /attr_accessible :age, :name/
+  end
+
+  def test_attr_accessible_added_with_comments_when_no_attributes_present
+    run_generator ["Account"]
+    assert_file 'app/models/account.rb', /# attr_accessible :title, :body/
+  end
 end