comma, colon, or no punctuation

KindDoctor

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He is wearing a shirt that reads "Tennis is fun."
He is wearing a shirt that reads, "Tennis is fun."
He is wearing a shirt that reads: "Tennis is fun."

I have seen the phrase 'that reads' followed by no punctuation, a comma, or a colon. Is their an official grammar rule on this?

What about:
He is holding a paper with the front page headline "Hurricane hits coast."
He is holding a paper with the front page headline, "Hurricane hits coast."
He is holding a paper with the front page headline: "Hurricane hits coast."

What about:
She has a look on her face that reads "This guy is crazy."
 

Maryn

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I wouldn't put any punctuation. (Or maybe benbradley and I are co-conspirators, making sure other people make goofs so our work looks better!)

Maryn, introducing all possible theories
 

DoctorMandaBenson

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He is wearing a shirt that reads "Tennis is fun."
He is wearing a shirt that reads, "Tennis is fun."
He is wearing a shirt that reads: "Tennis is fun."

I would say anything in quotes should take a comma the same as dialogue would, so the second one is correct. Were it italicised instead of in quotes, I would use the colon or no punctuation mark.

With the other example, I'd just rephrase to, 'She looked at him like he was crazy.'