80_FR_22262 80 FR 22186 - Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB

80 FR 22186 - Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB

FEDERAL RESERVE SYSTEM

Federal Register Volume 80, Issue 76 (April 21, 2015)

Page Range22186-22189
FR Document2015-09193

Notice is hereby given of the final approval of proposed information collection by the Board of Governors of the Federal Reserve System (Board) under OMB delegated authority, as per OMB Regulations on Controlling Paperwork Burdens on the Public. Board-approved collections of information are incorporated into the official OMB inventory of currently approved collections of information. Copies of the Paperwork Reduction Act Submission, supporting statements and approved collection of information instrument(s) are placed into OMB's public docket files. The Federal Reserve may not conduct or sponsor, and the respondent is not required to respond to, an information collection that has been extended, revised, or implemented on or after October 1, 1995, unless it displays a currently valid OMB control number.

Federal Register, Volume 80 Issue 76 (Tuesday, April 21, 2015)
[Federal Register Volume 80, Number 76 (Tuesday, April 21, 2015)]
[Notices]
[Pages 22186-22189]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2015-09193]


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FEDERAL RESERVE SYSTEM


Agency Information Collection Activities: Announcement of Board 
Approval Under Delegated Authority and Submission to OMB

AGENCY: Board of Governors of the Federal Reserve System.
SUMMARY: Notice is hereby given of the final approval of proposed 
information collection by the Board of Governors of the Federal Reserve 
System (Board) under OMB delegated authority, as per OMB Regulations on 
Controlling Paperwork Burdens on the Public. Board-approved collections 
of information are incorporated into the official OMB inventory of 
currently approved collections of information. Copies of the Paperwork 
Reduction Act Submission, supporting statements and approved collection 
of information instrument(s) are placed into OMB's public docket files. 
The Federal Reserve may not conduct or sponsor, and the respondent is 
not required to respond to, an information collection that has been 
extended, revised, or implemented on or after October 1, 1995, unless 
it displays a currently valid OMB control number.

FOR FURTHER INFORMATION CONTACT: Federal Reserve Board Acting Clearance

[[Page 22187]]

Officer--Mark Tokarski--Office of the Chief Data Officer, Board of 
Governors of the Federal Reserve System, Washington, DC 20551 (202) 
452-5241. Telecommunications Device for the Deaf (TDD) users may 
contact (202) 263-4869, Board of Governors of the Federal Reserve 
System, Washington, DC 20551.
    OMB Desk Officer--Shagufta Ahmed--Office of Information and 
Regulatory Affairs, Office of Management and Budget, New Executive 
Office Building, Room 10235, 725 17th Street NW., Washington, DC 20503.

    Final approval under OMB delegated authority the extension for 
three years, with revision, of the following information collection:

    Report title: Information Collection Associated with the 
Recordkeeping and Disclosure Requirements of Regulation B (Equal Credit 
Opportunity Act (ECOA)).
    Agency form number: Regulation B.
    OMB control number: 7100-0201.
    Frequency: Event-generated.
    Reporters: State member banks, branches and agencies of foreign 
banks (other than federal branches, federal agencies, and insured state 
branches of foreign banks), commercial lending companies owned or 
controlled by foreign banks, and organizations operating under section 
25 or 25A of the Federal Reserve Act.
    Estimated annual reporting hours: Notifications: 76,536 hours; 
Furnishing of credit information: 31,890 hours; Record retention, 
applications, actions, and prescreened solicitations: 8,504 hours; 
Information for monitoring purposes: 3,189 hours; Rules on providing 
appraisal reports, providing appraisal reports: 38,268 hours; Self-
testing record retention, incentives, 400 hours and self-correction, 
400 hours; Rules concerning requests for information, disclosure for 
optional self-test: 8,400 hours.
    Estimated average hours per response: Notifications: 6 hours; 
Furnishing of credit information: 2.5 hours; Record retention, 
applications, actions, and prescreened solicitations: 8 hours; 
Information for monitoring purposes: 15 minutes; Rules on providing 
appraisal reports, providing appraisal reports: 3 hours; Self-testing 
record retention, incentives, 2 hours and self-correction, 8 hours; 
Rules concerning requests for information, disclosure for optional 
self-test: 3.5 hours.
    Number of respondents: 1,063.
    General description of report: This information collection is 
authorized by 15 U.S.C. 1691b, which authorizes the Consumer Financial 
Protection Bureau (CFPB) to prescribe regulations to carry out the 
purposes of ECOA. An institution's recordkeeping and disclosure 
obligations under Regulation B are mandatory. The Federal Reserve does 
not collect any information; therefore, no issue of confidentiality 
normally arises.
    Abstract: ECOA was enacted in 1974 and is implemented by Regulation 
B. ECOA prohibits discrimination in any aspect of a credit transaction 
because of race, color, religion, national origin, sex, marital status, 
age (provided the applicant has the capacity to contract), or other 
specified bases (receipt of public assistance, or the fact that the 
applicant has in good faith exercised any right under the Consumer 
Credit Protection Act (15 U.S.C. 1600 et seq.)). To aid in 
implementation of this prohibition, the statute and regulation subject 
creditors to various mandatory disclosure requirements, notification 
provisions informing applicants of action taken on the credit 
application, credit history reporting, monitoring rules, and 
recordkeeping requirements. These requirements are triggered by 
specific events and disclosures must be provided within the time 
periods established by the statute and regulation. There are no 
required reporting forms associated with the CFPB's Regulation B. To 
ease the burden and cost of compliance (particularly for small 
entities), Regulation B provides model disclosure forms.
    Current Actions: On January 28, 2015, the Federal Reserve published 
a notice in the Federal Register (80 FR 4571) requesting public comment 
for 60 days on the extension, with revision, of the information 
collection associated with Regulation B. The comment period for this 
notice expired on March 30, 2015. The Federal Reserve did not receive 
any comments. The revisions will be implemented as proposed.

    Final approval under OMB delegated authority the extension for 
three years, without revision, of the following information 
collections:

    1. Report title: Information Collection Associated with the 
Recordkeeping, Reporting, and Disclosure Requirements of Regulation BB 
(Community Reinvestment Act (CRA)).
    Agency form number: Regulation BB.
    OMB control number: 7100-0197.
    Frequency: Annually.
    Reporters: State member banks (SMBs).
    Estimated annual reporting hours: Recordkeeping requirement, small 
business and small farm loan register: 16,863 hours; Optional 
recordkeeping requirements, consumer loan data, 4,238 hours and other 
loan data, 275 hours; Reporting requirements, assessment area 
delineation, 164 hours; loan data: Small business and small farm, 616 
hours, community development, 1,066 hours, and HMDA out of MSA, 17,963 
hours; Optional reporting requirements, data on lending by a consortium 
or third party, 153 hours; affiliate lending data, 152 hours; request 
for strategic plan approval, 275 hours; request for designation as a 
wholesale or limited purpose bank, 4 hours; Disclosure requirement, 
public file, 8,510 hours.
    Estimated average hours per response: Recordkeeping requirement, 
small business and small farm loan register: 219 hours; Optional 
recordkeeping requirements, consumer loan data, 326 hours, and other 
loan data, 25 hours; Reporting requirements, assessment area 
delineation, 2 hours; loan data: Small business and small farm, 8 
hours, community development, 13 hours, and HMDA out of MSA, 253 hours; 
Optional reporting requirements, data on lending by a consortium or 
third party, 17 hours; affiliate lending data, 38 hours; request for 
strategic plan approval, 275 hours; request for designation as a 
wholesale or limited purpose bank, 4 hours; Disclosure requirement, 
public file, 10 hours.
    Number of respondents: Recordkeeping requirement, small business 
and small farm loan register, 77; Optional recordkeeping requirements, 
consumer loan data, 13, and other loan data, 11; Reporting 
requirements, assessment area delineation, 82; loan data: Small 
business and small farm, 77, community development, 82, and HMDA out of 
MSA, 71; Optional reporting requirements, data on lending by a 
consortium or third party, 9; affiliate lending data, 4; request for 
strategic plan approval, 1; request for designation as a wholesale or 
limited purpose bank, 1; Disclosure requirement, public file, 851.
    General description of report: This information collection is 
authorized by section 806 of the CRA, which permits the Board to issue 
regulations to carry out the purpose of CRA (12 U.S.C. 2905), Section 
11 of the Federal Reserve Act (FRA), which permits the Board to require 
such statements as reports of SMBs as it deems necessary (12 U.S.C. 
248(a)(1)), and section 9 of the FRA, which permits the Board to 
examine SMBs (12 U.S.C. 325). The obligation to comply with the 
recordkeeping, reporting, and disclosure requirements of Regulation BB 
is generally mandatory and varies depending on whether the bank is a 
large bank. Other parts of the

[[Page 22188]]

collection--specifically, the request for designation as a wholesale or 
limited purpose bank, the strategic plan, and the recordkeeping and 
reporting requirements associated with data regarding consumer loans 
and lending performance, affiliate lending data, data on lending by a 
consortium or a third party, are required to obtain a benefit. The data 
that are reported to the Federal Reserve are not considered 
confidential.
    Abstract: CRA was enacted in 1977 and is implemented by Regulation 
BB. The CRA directs the federal banking agencies \1\ to evaluate 
financial institutions' records of helping to meet the credit needs of 
their entire communities, including low- and moderate-income areas 
consistent with the safe and sound operation of the institutions. The 
CRA is implemented through regulations issued by the federal banking 
agencies.\2\
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    \1\ In addition to the Board, the federal banking agencies 
currently responsible for CRA rules are the Office of the 
Comptroller of the Currency (OCC) and the Federal Deposit Insurance 
Corporation (FDIC).
    \2\ The Dodd-Frank Wall Street Reform and Consumer Protection 
Act of 2010 transferred from the Office of Thrift Supervision (OTS) 
all authorities (including rulemaking) relating to savings 
associations to the OCC and all authorities (including rulemaking) 
relating to savings and loan holding companies (SLHCs) to the Board 
on July 21, 2011.
---------------------------------------------------------------------------

    In 1995, the federal banking agencies issued substantially 
identical regulations under CRA to reduce unnecessary compliance 
burden, promote consistency in CRA assessments, and encourage improved 
performance.\3\ As a result, the current recordkeeping, reporting, and 
disclosure requirements under Regulation BB depend in part on a bank's 
size, and are discussed more fully below in the description of 
information collection.
---------------------------------------------------------------------------

    \3\ 60 FR 22156 (May 4, 1995).
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    Under Regulation BB, large banks are defined as those with assets 
of $1.202 billion or more for the past two consecutive year-ends; all 
other banks are considered small or intermediate.\4\ The banking 
agencies amend the definition of a small bank and an intermediate small 
bank in their CRA regulations each year when the asset thresholds are 
adjusted for inflation pursuant to Regulation BB, most recently in 
December 2013.\5\
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    \4\ Beginning January 1, 2014, banks and savings associations 
that, as of December 31 of either of the prior two calendar years, 
had assets of less than $1.202 billion are small banks or small 
savings associations. Small banks or small savings associations with 
assets of at least $300 million as of December 31 of both of the 
prior two calendar years, and less than $1.202 billion as of 
December 31 of either of the prior two calendar years, are 
intermediate small banks or intermediate small savings associations.
    \5\ 78 FR 79283 (December 30, 2013).
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    Other than the information collections pursuant to the CRA, the 
Board has no information collection that supplies data regarding the 
community reinvestment activities of SMBs.
    Current Actions: On January 28, 2015, the Federal Reserve published 
a notice in the Federal Register (80 FR 4571) requesting public comment 
for 60 days on the extension, without revision, of the Recordkeeping, 
Reporting and Disclosure Requirements in Regulation BB. The comment 
period for this notice expired on March 30, 2015. The Federal Reserve 
did not receive any comments.
    2. Report title: Information Collections Associated with the 
Recordkeeping and Disclosure requirements of Regulation M (Consumer 
Leasing).
    Agency form number: Regulation M.
    OMB control number: 7100-0202.
    Frequency: On occasion.
    Reporters: Consumer lessors.
    Estimated annual reporting hours: Disclosures: 33 hours; 
Advertising: 7 hours.
    Estimated average hours per response: Disclosures: 2.08 hours; 
Advertising: 25 minutes.
    Number of respondents: 4.
    General description of report: This information collection is 
authorized by sections 105(a) and 187 of TILA (15 U.S.C. 1604(a) and 
1667f respectively, which authorize the Consumer Financial Protection 
Bureau (CFPB) to issue regulations to carry out the provisions of the 
Consumer Leasing Act (CLA). The CFPB's Regulation M, 12 CFR part 1013, 
implements these statutory provisions. An institution's recordkeeping 
and disclosure obligations under Regulation M are mandatory. Because 
the Federal Reserve does not collect any information pursuant to the 
CFPB's Regulation M, no issue of confidentiality normally arises. 
Furthermore, the lease information regarding individual leases with 
consumers is confidential between the institution and the consumer. In 
the event the Board were to retain regarding consumer leases during the 
course of an examination, the information regarding the consumer and 
the lease would be kept confidential pursuant to section (b)(8) of the 
Freedom of Information Act (5 U.S.C. 522 (b)(8)).
    Abstract: The CLA and Regulation M are intended to provide 
consumers with meaningful disclosures about the costs and terms of 
leases for personal property. The disclosures enable consumers to 
compare the terms for a particular lease with those for other leases 
and, when appropriate, to compare lease terms with those for credit 
transactions. The CLA and Regulation M also contain rules about 
advertising consumer leases and limit the size of balloon payments in 
consumer lease transactions.
    The CFPB's Regulation M applies to all types of lessors of personal 
property (except motor vehicle dealers excluded from the Bureau's 
authority under Dodd-Frank Act section 1029, which are covered by the 
Board's Regulation M \6\). The CLA and Regulation M require lessors to 
disclose to consumers uniformly the costs, liabilities, and terms of 
consumer lease transactions. Disclosures are provided to consumers 
before they enter into lease transactions and in advertisements that 
state the availability of consumer leases on particular terms. The 
regulation generally applies to consumer leases of personal property in 
which the contractual obligation does not exceed $53,500 and has a term 
of more than four months. The CLA does not provide exemptions for small 
entities.
---------------------------------------------------------------------------

    \6\ 12 U.S.C. 5519; 12 CFR part 213.
---------------------------------------------------------------------------

    In April 2011, shortly before primary rule writing authority for 
the CLA transferred to the CFPB, the Board published a final rule that 
established a new dollar threshold for lease transactions subject to 
Regulation M, implementing an amendment to the CLA by the Dodd-Frank 
Act.\7\ This amendment increased the dollar threshold for lease 
contracts subject to the CLA and Regulation M from $25,000 to $50,000. 
The amendment also required that this threshold be adjusted annually 
for inflation by the annual percentage increase in the Consumer Price 
Index for Urban Wage Earners and Clerical Workers (CPI-W), as published 
by the Bureau of Labor Statistics. For 2014, the Regulation M threshold 
is $53,500,\8\ which will be increased to $54,600 effective January 1, 
2015.\9\
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    \7\ Public Law 111-203, 1100E, 124 Stat. 1376 (2010), amending 
15 U.S.C. 1667(1). See 76 FR 18349 (Apr. 4, 2011).
    \8\ 78 FR 70193 (Nov. 25, 2013). This threshold adjustment was 
issued jointly by the Board, for its Regulation M at 12 CFR part 
213, and the CFPB, for its Regulation M at 12 CFR 1013.
    \9\ 79 FR 56482 (Sept. 22, 2014).
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    Current Actions: On January 28, 2015, the Federal Reserve published 
a notice in the Federal Register (80 FR 4571) requesting public comment 
for 60 days on the extension, without revision, of the Board's 
information collections associated with the Recordkeeping and 
Disclosure Requirements of Regulation M. The comment period for this 
notice expired on March 30, 2015. The Federal Reserve did not receive 
any comments.


[[Page 22189]]


    Board of Governors of the Federal Reserve System, April 16, 
2015.
Robert deV. Frierson,
Secretary of the Board.
[FR Doc. 2015-09193 Filed 4-20-15; 8:45 am]
 BILLING CODE 6210-01-P



                                              22186                          Federal Register / Vol. 80, No. 76 / Tuesday, April 21, 2015 / Notices

                                              medical waste incinerator which                         and therefore, the fuel gas combustion                includes whether the acquisition of the
                                              consists of a wet gas scrubber (WGS)                    device does not need to meet the                      nonbanking company complies with the
                                              followed by a carbon adsorber and                       continuous monitoring requirements of                 standards in section 4 of the BHC Act
                                              cartridge filter, located at the University             40 CFR 60.105(a)(3) or 60.105(a)(4) for               (12 U.S.C. 1843). Unless otherwise
                                              of Texas Medical Branch (UTMBG) in                      the Merox Off-gas Knockout Pot fuel gas               noted, nonbanking activities will be
                                              Galveston, Texas?                                       stream. Valero Meraux is required to                  conducted throughout the United States.
                                                A: Yes. EPA conditionally approves                    monitor and control the relevant process                Unless otherwise noted, comments
                                              Hydro-Environmental Technologies                        parameters, as summarized in the                      regarding each of these applications
                                              petition on behalf UTMBG for an AMP.                    Enclosure, as a condition of this                     must be received at the Reserve Bank
                                              As part of the conditional approval,                    exemption approval.                                   indicated or the offices of the Board of
                                              performance testing must be conducted                                                                         Governors not later than May 15, 2015.
                                              to demonstrate compliance and                           Abstract for [1100017]                                  A. Federal Reserve Bank of Chicago
                                              establish OPL values for the WGS,                         Q: Can alternative monitoring be                    (Colette A. Fried, Assistant Vice
                                              carbon adsorber and cartridge filter.                   approved in lieu of a Continuous                      President) 230 South LaSalle Street,
                                              Final approval of the AMP will be based                 Opacity Monitoring System (COMS)                      Chicago, Illinois 60690–1414:
                                              on the OPLs established and other                       since the moisture in the Fluid Catalytic               1. Wintrust Financial Corporation,
                                              provisions that may be deemed                           Cracking Unit exhaust from the wet gas                Rosemont, Illinois; to acquire North
                                              necessary from our evaluation of the test               scrubber (WGS) will interfere with the                Bank, Chicago, Illinois.
                                              results.                                                ability of the COMS to take accurate                    B. Federal Reserve Bank of Dallas
                                                                                                      opacity readings due to water                         (Robert L. Triplett III, Senior Vice
                                              Abstract for [1400036]                                                                                        President) 2200 North Pearl Street,
                                                                                                      interference for the Conoco Phillips
                                                Q: Will EPA approve the Fuel                          Sweeny, Texas Refinery?                               Dallas, Texas 75201–2272:
                                              Analysis Plan for monitoring total sulfur                 A: Yes. EPA approves the alternative                  1. First Financial Bankshares, Inc.,
                                              content of fuels in lieu of SO2 emissions               monitoring based on information                       Abilene, Texas; to merge with FBC
                                              monitoring under NSPS subpart Db for                    provided by Conoco, including a stack                 Bancshares, Inc., and thereby indirectly
                                              Industrial-Commercial Institutional                     test report and three proposed operating              acquire First Bank, National
                                              Steam Generating Units for which                        parameters limits (OPLs) for the wet gas              Association, both in Conroe, Texas.
                                              construction, reconstruction, or                        scrubber. The OPLs address nozzle                       Board of Governors of the Federal Reserve
                                              modification commenced after June 19,                   pressure, pressure drop, and liquid to                System, April 15, 2015.
                                              1984, at the No. 6 Power Boiler in                      gas ratio.                                            Michael J. Lewandowski,
                                              Westvaco, Texas L.P. facility                                                                                 Associate Secretary of the Board.
                                              (Westvaco)?                                               Dated: April 13, 2015.
                                                                                                      Lisa Lund,                                            [FR Doc. 2015–09021 Filed 4–20–15; 8:45 am]
                                                A: Yes. EPA conditionally approves
                                                                                                                                                            BILLING CODE 6210–01–P
                                              Westvaco’s Fuel Analysis Plan, as                       Director, Office of Compliance.
                                              delineated within the response letter. 40               [FR Doc. 2015–09242 Filed 4–20–15; 8:45 am]
                                              CFR 60.45b(k) allows compliance to be                   BILLING CODE 6560–50–P                                FEDERAL RESERVE SYSTEM
                                              demonstrated by a fuel based
                                              compliance alternative. The plan                                                                              Agency Information Collection
                                              ensures that data will be collected to                  FEDERAL RESERVE SYSTEM                                Activities: Announcement of Board
                                              demonstrate that the average percentage                                                                       Approval Under Delegated Authority
                                              sulfur concentration in the wood fuel,                  Formations of, Acquisitions by, and                   and Submission to OMB
                                              plus three standard deviations, will not                Mergers of Bank Holding Companies
                                              result in a combined fuel mixture that                                                                        AGENCY:   Board of Governors of the
                                              will exceed the sulfur emission limit.                    The companies listed in this notice                 Federal Reserve System.
                                                                                                      have applied to the Board for approval,               SUMMARY: Notice is hereby given of the
                                              Westvaco will continue to obtain and
                                              maintain fuel receipts for the other                    pursuant to the Bank Holding Company                  final approval of proposed information
                                              combusted fuels.                                        Act of 1956 (12 U.S.C. 1841 et seq.)                  collection by the Board of Governors of
                                                                                                      (BHC Act), Regulation Y (12 CFR part                  the Federal Reserve System (Board)
                                              Abstract for [1400037]                                  225), and all other applicable statutes               under OMB delegated authority, as per
                                                 Q: Can an exemption from monitoring                  and regulations to become a bank                      OMB Regulations on Controlling
                                              be approved for a fuel gas stream that                  holding company and/or to acquire the                 Paperwork Burdens on the Public.
                                              is low in sulfur content, under NSPS                    assets or the ownership of, control of, or            Board-approved collections of
                                              subpart J, for the off-gas vent stream                  the power to vote shares of a bank or                 information are incorporated into the
                                              from the Merox Off-gas Knockout Pot in                  bank holding company and all of the                   official OMB inventory of currently
                                              the Alky Stripper Reboiler Heater, at the               banks and nonbanking companies                        approved collections of information.
                                              Valero Refining Meraux facility in                      owned by the bank holding company,                    Copies of the Paperwork Reduction Act
                                              Meraux, Louisiana?                                      including the companies listed below.                 Submission, supporting statements and
                                                 A: Yes. Based on the description of                    The applications listed below, as well              approved collection of information
                                              the process vent streams, the design of                 as other related filings required by the              instrument(s) are placed into OMB’s
                                              the vent gas controls, and the H2S                      Board, are available for immediate                    public docket files. The Federal Reserve
                                              monitoring data furnished, EPA                          inspection at the Federal Reserve Bank                may not conduct or sponsor, and the
                                              conditionally approves the exemption                    indicated. The applications will also be              respondent is not required to respond
tkelley on DSK3SPTVN1PROD with NOTICES




                                              in light of changes made to NSPS                        available for inspection at the offices of            to, an information collection that has
                                              subpart J on June 24, 2008 (73 Federal                  the Board of Governors. Interested                    been extended, revised, or implemented
                                              Register 35866). EPA finds that, when                   persons may express their views in                    on or after October 1, 1995, unless it
                                              used and controlled as described in the                 writing on the standards enumerated in                displays a currently valid OMB control
                                              response letter, the vent gas stream                    the BHC Act (12 U.S.C. 1842(c)). If the               number.
                                              combusted is inherently low in sulfur                   proposal also involves the acquisition of             FOR FURTHER INFORMATION CONTACT:
                                              according to 40 CFR 60.105(a)(4)(iv)(D)                 a nonbanking company, the review also                 Federal Reserve Board Acting Clearance


                                         VerDate Sep<11>2014   18:07 Apr 20, 2015   Jkt 235001   PO 00000   Frm 00025   Fmt 4703   Sfmt 4703   E:\FR\FM\21APN1.SGM   21APN1


                                                                             Federal Register / Vol. 80, No. 76 / Tuesday, April 21, 2015 / Notices                                          22187

                                              Officer—Mark Tokarski—Office of the                     (CFPB) to prescribe regulations to carry              requirements, consumer loan data, 4,238
                                              Chief Data Officer, Board of Governors                  out the purposes of ECOA. An                          hours and other loan data, 275 hours;
                                              of the Federal Reserve System,                          institution’s recordkeeping and                       Reporting requirements, assessment area
                                              Washington, DC 20551 (202) 452–5241.                    disclosure obligations under Regulation               delineation, 164 hours; loan data: Small
                                              Telecommunications Device for the Deaf                  B are mandatory. The Federal Reserve                  business and small farm, 616 hours,
                                              (TDD) users may contact (202) 263–                      does not collect any information;                     community development, 1,066 hours,
                                              4869, Board of Governors of the Federal                 therefore, no issue of confidentiality                and HMDA out of MSA, 17,963 hours;
                                              Reserve System, Washington, DC 20551.                   normally arises.                                      Optional reporting requirements, data
                                                OMB Desk Officer—Shagufta                               Abstract: ECOA was enacted in 1974                  on lending by a consortium or third
                                              Ahmed—Office of Information and                         and is implemented by Regulation B.                   party, 153 hours; affiliate lending data,
                                              Regulatory Affairs, Office of                           ECOA prohibits discrimination in any                  152 hours; request for strategic plan
                                              Management and Budget, New                              aspect of a credit transaction because of             approval, 275 hours; request for
                                              Executive Office Building, Room 10235,                  race, color, religion, national origin, sex,          designation as a wholesale or limited
                                              725 17th Street NW., Washington, DC                     marital status, age (provided the                     purpose bank, 4 hours; Disclosure
                                              20503.                                                  applicant has the capacity to contract),              requirement, public file, 8,510 hours.
                                                                                                      or other specified bases (receipt of                     Estimated average hours per response:
                                                Final approval under OMB delegated                                                                          Recordkeeping requirement, small
                                              authority the extension for three years,                public assistance, or the fact that the
                                                                                                      applicant has in good faith exercised                 business and small farm loan register:
                                              with revision, of the following                                                                               219 hours; Optional recordkeeping
                                              information collection:                                 any right under the Consumer Credit
                                                                                                      Protection Act (15 U.S.C. 1600 et seq.)).             requirements, consumer loan data, 326
                                                Report title: Information Collection                                                                        hours, and other loan data, 25 hours;
                                                                                                      To aid in implementation of this
                                              Associated with the Recordkeeping and                                                                         Reporting requirements, assessment area
                                                                                                      prohibition, the statute and regulation
                                              Disclosure Requirements of Regulation                                                                         delineation, 2 hours; loan data: Small
                                                                                                      subject creditors to various mandatory
                                              B (Equal Credit Opportunity Act                                                                               business and small farm, 8 hours,
                                                                                                      disclosure requirements, notification
                                              (ECOA)).                                                                                                      community development, 13 hours, and
                                                                                                      provisions informing applicants of
                                                Agency form number: Regulation B.                                                                           HMDA out of MSA, 253 hours; Optional
                                                OMB control number: 7100–0201.                        action taken on the credit application,
                                                                                                      credit history reporting, monitoring                  reporting requirements, data on lending
                                                Frequency: Event-generated.                                                                                 by a consortium or third party, 17 hours;
                                                Reporters: State member banks,                        rules, and recordkeeping requirements.
                                                                                                      These requirements are triggered by                   affiliate lending data, 38 hours; request
                                              branches and agencies of foreign banks                                                                        for strategic plan approval, 275 hours;
                                              (other than federal branches, federal                   specific events and disclosures must be
                                                                                                      provided within the time periods                      request for designation as a wholesale or
                                              agencies, and insured state branches of                                                                       limited purpose bank, 4 hours;
                                              foreign banks), commercial lending                      established by the statute and
                                                                                                      regulation. There are no required                     Disclosure requirement, public file, 10
                                              companies owned or controlled by                                                                              hours.
                                              foreign banks, and organizations                        reporting forms associated with the
                                                                                                                                                               Number of respondents:
                                              operating under section 25 or 25A of the                CFPB’s Regulation B. To ease the
                                                                                                                                                            Recordkeeping requirement, small
                                              Federal Reserve Act.                                    burden and cost of compliance
                                                                                                                                                            business and small farm loan register,
                                                Estimated annual reporting hours:                     (particularly for small entities),
                                                                                                                                                            77; Optional recordkeeping
                                              Notifications: 76,536 hours; Furnishing                 Regulation B provides model disclosure
                                                                                                                                                            requirements, consumer loan data, 13,
                                              of credit information: 31,890 hours;                    forms.
                                                                                                                                                            and other loan data, 11; Reporting
                                              Record retention, applications, actions,                  Current Actions: On January 28, 2015,
                                                                                                                                                            requirements, assessment area
                                              and prescreened solicitations: 8,504                    the Federal Reserve published a notice
                                                                                                                                                            delineation, 82; loan data: Small
                                              hours; Information for monitoring                       in the Federal Register (80 FR 4571)
                                                                                                                                                            business and small farm, 77, community
                                              purposes: 3,189 hours; Rules on                         requesting public comment for 60 days
                                                                                                                                                            development, 82, and HMDA out of
                                              providing appraisal reports, providing                  on the extension, with revision, of the
                                                                                                                                                            MSA, 71; Optional reporting
                                              appraisal reports: 38,268 hours; Self-                  information collection associated with
                                                                                                                                                            requirements, data on lending by a
                                              testing record retention, incentives, 400               Regulation B. The comment period for
                                                                                                                                                            consortium or third party, 9; affiliate
                                              hours and self-correction, 400 hours;                   this notice expired on March 30, 2015.                lending data, 4; request for strategic
                                              Rules concerning requests for                           The Federal Reserve did not receive any               plan approval, 1; request for designation
                                              information, disclosure for optional self-              comments. The revisions will be                       as a wholesale or limited purpose bank,
                                              test: 8,400 hours.                                      implemented as proposed.                              1; Disclosure requirement, public file,
                                                Estimated average hours per response:                   Final approval under OMB delegated                  851.
                                              Notifications: 6 hours; Furnishing of                   authority the extension for three years,                 General description of report: This
                                              credit information: 2.5 hours; Record                   without revision, of the following                    information collection is authorized by
                                              retention, applications, actions, and                   information collections:                              section 806 of the CRA, which permits
                                              prescreened solicitations: 8 hours;                       1. Report title: Information Collection             the Board to issue regulations to carry
                                              Information for monitoring purposes: 15                 Associated with the Recordkeeping,                    out the purpose of CRA (12 U.S.C.
                                              minutes; Rules on providing appraisal                   Reporting, and Disclosure Requirements                2905), Section 11 of the Federal Reserve
                                              reports, providing appraisal reports: 3                 of Regulation BB (Community                           Act (FRA), which permits the Board to
                                              hours; Self-testing record retention,                   Reinvestment Act (CRA)).                              require such statements as reports of
                                              incentives, 2 hours and self-correction,                  Agency form number: Regulation BB.                  SMBs as it deems necessary (12 U.S.C.
                                              8 hours; Rules concerning requests for                    OMB control number: 7100–0197.                      248(a)(1)), and section 9 of the FRA,
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                                              information, disclosure for optional self-                Frequency: Annually.                                which permits the Board to examine
                                              test: 3.5 hours.                                          Reporters: State member banks                       SMBs (12 U.S.C. 325). The obligation to
                                                Number of respondents: 1,063.                         (SMBs).                                               comply with the recordkeeping,
                                                General description of report: This                     Estimated annual reporting hours:                   reporting, and disclosure requirements
                                              information collection is authorized by                 Recordkeeping requirement, small                      of Regulation BB is generally mandatory
                                              15 U.S.C. 1691b, which authorizes the                   business and small farm loan register:                and varies depending on whether the
                                              Consumer Financial Protection Bureau                    16,863 hours; Optional recordkeeping                  bank is a large bank. Other parts of the


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                                              22188                          Federal Register / Vol. 80, No. 76 / Tuesday, April 21, 2015 / Notices

                                              collection—specifically, the request for                   Other than the information collections             advertising consumer leases and limit
                                              designation as a wholesale or limited                   pursuant to the CRA, the Board has no                 the size of balloon payments in
                                              purpose bank, the strategic plan, and the               information collection that supplies                  consumer lease transactions.
                                              recordkeeping and reporting                             data regarding the community                             The CFPB’s Regulation M applies to
                                              requirements associated with data                       reinvestment activities of SMBs.                      all types of lessors of personal property
                                              regarding consumer loans and lending                       Current Actions: On January 28, 2015,
                                                                                                      the Federal Reserve published a notice                (except motor vehicle dealers excluded
                                              performance, affiliate lending data, data
                                              on lending by a consortium or a third                   in the Federal Register (80 FR 4571)                  from the Bureau’s authority under
                                              party, are required to obtain a benefit.                requesting public comment for 60 days                 Dodd-Frank Act section 1029, which are
                                              The data that are reported to the Federal               on the extension, without revision, of                covered by the Board’s Regulation M 6).
                                              Reserve are not considered confidential.                the Recordkeeping, Reporting and                      The CLA and Regulation M require
                                                 Abstract: CRA was enacted in 1977                    Disclosure Requirements in Regulation                 lessors to disclose to consumers
                                              and is implemented by Regulation BB.                    BB. The comment period for this notice                uniformly the costs, liabilities, and
                                              The CRA directs the federal banking                     expired on March 30, 2015. The Federal                terms of consumer lease transactions.
                                              agencies 1 to evaluate financial                        Reserve did not receive any comments.                 Disclosures are provided to consumers
                                              institutions’ records of helping to meet                   2. Report title: Information Collections           before they enter into lease transactions
                                              the credit needs of their entire                        Associated with the Recordkeeping and                 and in advertisements that state the
                                              communities, including low- and                         Disclosure requirements of Regulation                 availability of consumer leases on
                                              moderate-income areas consistent with                   M (Consumer Leasing).                                 particular terms. The regulation
                                              the safe and sound operation of the                        Agency form number: Regulation M.                  generally applies to consumer leases of
                                              institutions. The CRA is implemented                       OMB control number: 7100–0202.                     personal property in which the
                                              through regulations issued by the                          Frequency: On occasion.
                                                                                                                                                            contractual obligation does not exceed
                                              federal banking agencies.2                                 Reporters: Consumer lessors.
                                                                                                         Estimated annual reporting hours:                  $53,500 and has a term of more than
                                                 In 1995, the federal banking agencies                                                                      four months. The CLA does not provide
                                              issued substantially identical                          Disclosures: 33 hours; Advertising: 7
                                                                                                      hours.                                                exemptions for small entities.
                                              regulations under CRA to reduce
                                              unnecessary compliance burden,                             Estimated average hours per response:                 In April 2011, shortly before primary
                                              promote consistency in CRA                              Disclosures: 2.08 hours; Advertising: 25              rule writing authority for the CLA
                                              assessments, and encourage improved                     minutes.                                              transferred to the CFPB, the Board
                                              performance.3 As a result, the current                     Number of respondents: 4.                          published a final rule that established a
                                                                                                         General description of report: This                new dollar threshold for lease
                                              recordkeeping, reporting, and disclosure
                                                                                                      information collection is authorized by
                                              requirements under Regulation BB                                                                              transactions subject to Regulation M,
                                                                                                      sections 105(a) and 187 of TILA (15
                                              depend in part on a bank’s size, and are                                                                      implementing an amendment to the
                                                                                                      U.S.C. 1604(a) and 1667f respectively,
                                              discussed more fully below in the                                                                             CLA by the Dodd-Frank Act.7 This
                                                                                                      which authorize the Consumer
                                              description of information collection.                                                                        amendment increased the dollar
                                                 Under Regulation BB, large banks are                 Financial Protection Bureau (CFPB) to
                                                                                                      issue regulations to carry out the                    threshold for lease contracts subject to
                                              defined as those with assets of $1.202                                                                        the CLA and Regulation M from $25,000
                                              billion or more for the past two                        provisions of the Consumer Leasing Act
                                                                                                      (CLA). The CFPB’s Regulation M, 12                    to $50,000. The amendment also
                                              consecutive year-ends; all other banks                                                                        required that this threshold be adjusted
                                              are considered small or intermediate.4                  CFR part 1013, implements these
                                                                                                      statutory provisions. An institution’s                annually for inflation by the annual
                                              The banking agencies amend the                                                                                percentage increase in the Consumer
                                              definition of a small bank and an                       recordkeeping and disclosure
                                                                                                      obligations under Regulation M are                    Price Index for Urban Wage Earners and
                                              intermediate small bank in their CRA
                                                                                                      mandatory. Because the Federal Reserve                Clerical Workers (CPI–W), as published
                                              regulations each year when the asset
                                              thresholds are adjusted for inflation                   does not collect any information                      by the Bureau of Labor Statistics. For
                                              pursuant to Regulation BB, most                         pursuant to the CFPB’s Regulation M,                  2014, the Regulation M threshold is
                                              recently in December 2013.5                             no issue of confidentiality normally                  $53,500,8 which will be increased to
                                                                                                      arises. Furthermore, the lease                        $54,600 effective January 1, 2015.9
                                                 1 In addition to the Board, the federal banking      information regarding individual leases                  Current Actions: On January 28, 2015,
                                              agencies currently responsible for CRA rules are the    with consumers is confidential between                the Federal Reserve published a notice
                                              Office of the Comptroller of the Currency (OCC) and     the institution and the consumer. In the
                                              the Federal Deposit Insurance Corporation (FDIC).                                                             in the Federal Register (80 FR 4571)
                                                                                                      event the Board were to retain regarding
                                                 2 The Dodd-Frank Wall Street Reform and                                                                    requesting public comment for 60 days
                                                                                                      consumer leases during the course of an
                                              Consumer Protection Act of 2010 transferred from                                                              on the extension, without revision, of
                                              the Office of Thrift Supervision (OTS) all              examination, the information regarding
                                              authorities (including rulemaking) relating to          the consumer and the lease would be                   the Board’s information collections
                                              savings associations to the OCC and all authorities     kept confidential pursuant to section                 associated with the Recordkeeping and
                                              (including rulemaking) relating to savings and loan
                                                                                                      (b)(8) of the Freedom of Information Act              Disclosure Requirements of Regulation
                                              holding companies (SLHCs) to the Board on July 21,                                                            M. The comment period for this notice
                                              2011.                                                   (5 U.S.C. 522 (b)(8)).
                                                 3 60 FR 22156 (May 4, 1995).                            Abstract: The CLA and Regulation M                 expired on March 30, 2015. The Federal
                                                 4 Beginning January 1, 2014, banks and savings       are intended to provide consumers with                Reserve did not receive any comments.
                                              associations that, as of December 31 of either of the   meaningful disclosures about the costs
                                              prior two calendar years, had assets of less than       and terms of leases for personal                        6 12  U.S.C. 5519; 12 CFR part 213.
                                              $1.202 billion are small banks or small savings
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                                              associations. Small banks or small savings              property. The disclosures enable                        7 Public  Law 111–203, 1100E, 124 Stat. 1376
                                                                                                      consumers to compare the terms for a                  (2010), amending 15 U.S.C. 1667(1). See 76 FR
                                              associations with assets of at least $300 million as
                                                                                                                                                            18349 (Apr. 4, 2011).
                                              of December 31 of both of the prior two calendar        particular lease with those for other                    8 78 FR 70193 (Nov. 25, 2013). This threshold
                                              years, and less than $1.202 billion as of December      leases and, when appropriate, to
                                              31 of either of the prior two calendar years, are                                                             adjustment was issued jointly by the Board, for its
                                              intermediate small banks or intermediate small          compare lease terms with those for                    Regulation M at 12 CFR part 213, and the CFPB, for
                                              savings associations.                                   credit transactions. The CLA and                      its Regulation M at 12 CFR 1013.
                                                 5 78 FR 79283 (December 30, 2013).                   Regulation M also contain rules about                    9 79 FR 56482 (Sept. 22, 2014).




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                                                                             Federal Register / Vol. 80, No. 76 / Tuesday, April 21, 2015 / Notices                                                 22189

                                                Board of Governors of the Federal Reserve             FEDERAL RESERVE SYSTEM                                Bank, both in Los Angeles, California, is
                                              System, April 16, 2015.                                                                                       revised to read as follows:
                                              Robert deV. Frierson,                                   Notice of Proposals To Engage in or                     A. Federal Reserve Bank of San
                                              Secretary of the Board.                                 To Acquire Companies Engaged in                       Francisco (Gerald C. Tsai, Director,
                                              [FR Doc. 2015–09193 Filed 4–20–15; 8:45 am]
                                                                                                      Permissible Nonbanking Activities                     Applications and Enforcement) 101
                                                                                                                                                            Market Street, San Francisco, California
                                              BILLING CODE 6210–01–P                                     The companies listed in this notice                94105–1579:
                                                                                                      have given notice under section 4 of the                1. PacWest Bancorp, and Pacific
                                                                                                      Bank Holding Company Act (12 U.S.C.                   Western Bank, both in Los Angeles,
                                              FEDERAL RESERVE SYSTEM                                  1843) (BHC Act) and Regulation Y, (12                 California; to merge with Square 1
                                                                                                      CFR part 225) to engage de novo, or to                Financial, Inc., and thereby indirectly
                                              Change in Bank Control Notices;                         acquire or control voting securities or               acquire Square 1 Bank, both in Durham,
                                              Acquisitions of Shares of a Bank or                     assets of a company, including the                    North Carolina.
                                              Bank Holding Company                                    companies listed below, that engages                    In connection with this application,
                                                                                                      either directly or through a subsidiary or            Applicants have also applied to acquire
                                                The notificants listed below have                     other company, in a nonbanking activity               Square 1 Ventures, LLC, Square 1
                                              applied under the Change in Bank                        that is listed in § 225.28 of Regulation Y            Venture Management 1, L.P., and
                                              Control Act (12 U.S.C. 1817(j)) and                     (12 CFR 225.28) or that the Board has                 Square 1 Ventures 1, L.P., all in
                                              section 225.41 of the Board’s Regulation                determined by Order to be closely                     Durham, North Carolina, and thereby
                                              Y (12 CFR 225.41) to acquire shares of                  related to banking and permissible for                engage in funds management,
                                              a bank or bank holding company. The                     bank holding companies. Unless                        investment advisory, and private
                                              factors that are considered in acting on                otherwise noted, these activities will be             placement activities, pursuant to
                                              the notices are set forth in paragraph 7                conducted throughout the United States.               sections 225.28(b)(6)(i), (b)(7)(i) and
                                              of the Act (12 U.S.C. 1817(j)(7)).                         Each notice is available for inspection            (b)(7)(iii), respectively.
                                                                                                      at the Federal Reserve Bank indicated.                  Comments on this application must
                                                The notices are available for
                                                                                                      The notice also will be available for                 be received by May 1, 2015.
                                              immediate inspection at the Federal
                                                                                                      inspection at the offices of the Board of
                                              Reserve Bank indicated. The notices                     Governors. Interested persons may
                                                                                                                                                              Board of Governors of the Federal Reserve
                                              also will be available for inspection at                                                                      System, April 16, 2015.
                                                                                                      express their views in writing on the
                                              the offices of the Board of Governors.                                                                        Michael J. Lewandowski,
                                                                                                      question whether the proposal complies
                                              Interested persons may express their                                                                          Associate Secretary of the Board.
                                                                                                      with the standards of section 4 of the
                                              views in writing to the Reserve Bank                    BHC Act.                                              [FR Doc. 2015–09185 Filed 4–20–15; 8:45 am]
                                              indicated for that notice or to the offices                Unless otherwise noted, comments                   BILLING CODE 6210–01–P
                                              of the Board of Governors. Comments                     regarding the notices must be received
                                              must be received not later than May 5,                  at the Reserve Bank indicated or the
                                              2015.                                                   offices of the Board of Governors not                 FEDERAL RESERVE SYSTEM
                                                A. Federal Reserve Bank of Dallas                     later than May 15, 2015.                              Notice of Proposals To Engage in or
                                              (Robert L. Triplett III, Senior Vice                       A. Federal Reserve Bank of Chicago                 To Acquire Companies Engaged in
                                              President) 2200 North Pearl Street,                     (Colette A. Fried, Assistant Vice                     Permissible Nonbanking Activities
                                              Dallas, Texas 75201–2272:                               President) 230 South LaSalle Street,
                                                                                                      Chicago, Illinois 60690–1414:                            The companies listed in this notice
                                                1. James F. Kemp, Karen Sybil Kemp,                      1. Horizon Bancorp, Michigan City,                 have given notice under section 4 of the
                                              Cynthia Susan Kemp, Keith Keller,                       Indiana; to acquire 100 percent of the                Bank Holding Company Act (12 U.S.C.
                                              Marjorie Keller, Stacy Lynn Loth, Kory                  voting shares of Peoples Bancorp, and                 1843) (BHC Act) and Regulation Y, (12
                                              Allen Keller, Mark Durst, Kay Keller                    indirectly acquire Peoples Federal                    CFR part 225) to engage de novo, or to
                                              Durst, and Daniel Wesley Kemp, all of                   Savings Bank of DeKalb County, both in                acquire or control voting securities or
                                              Fredericksburg, Texas; Brian Daniel                     Auburn, Indiana, and thereby engage in                assets of a company, including the
                                              Kemp, San Marcos, Texas; Stephanie                      operating a savings association,                      companies listed below, that engages
                                              Ann Igle, San Angelo, Texas; Kristy Kay                 pursuant to section 225.28 (b)(4)(ii).                either directly or through a subsidiary or
                                              LeJeune, College Station, Texas;                          Board of Governors of the Federal Reserve           other company, in a nonbanking activity
                                              Kimberly Durst Bonnen, Friendswood,                     System, April 15, 2015.                               that is listed in § 225.28 of Regulation Y
                                              Texas; Kathleen Keller, Hye, Texas; and                 Michael J. Lewandowski,                               (12 CFR 225.28) or that the Board has
                                              James L. Hayne, San Antonio, Texas, as                  Associate Secretary of the Board.
                                                                                                                                                            determined by Order to be closely
                                              trustee of the James L. Hayne, Ranch                                                                          related to banking and permissible for
                                                                                                      [FR Doc. 2015–09019 Filed 4–20–15; 8:45 am]
                                              Trust of 2001 and Roxana C. Hayne,                                                                            bank holding companies. Unless
                                                                                                      BILLING CODE 6210–01–P
                                              Ranch Trust of 2001; collectively, to                                                                         otherwise noted, these activities will be
                                              retain voting shares of Security Holding                                                                      conducted throughout the United States.
                                                                                                                                                               Each notice is available for inspection
                                              Company, and thereby indirectly retain                  FEDERAL RESERVE SYSTEM                                at the Federal Reserve Bank indicated.
                                              voting shares of Security State Bank &
                                                                                                      Formations of, Acquisitions by, and                   The notice also will be available for
                                              Trust, both in Fredericksburg, Texas.                                                                         inspection at the offices of the Board of
                                                                                                      Mergers of Bank Holding Companies;
                                                                                                      Correction                                            Governors. Interested persons may
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                                                Board of Governors of the Federal Reserve                                                                   express their views in writing on the
                                              System, April 15, 2015.                                   This notice corrects a notice (FR Doc.              question whether the proposal complies
                                              Michael J. Lewandowski,                                 2015–07792) published on page 18404                   with the standards of section 4 of the
                                              Associate Secretary of the Board.                       of the issue for Monday, April 6, 2015.               BHC Act.
                                              [FR Doc. 2015–09020 Filed 4–20–15; 8:45 am]
                                                                                                        Under the Federal Reserve Bank of                      Unless otherwise noted, comments
                                                                                                      San Francisco heading, the entry for                  regarding the notices must be received
                                              BILLING CODE 6210–01–P
                                                                                                      PacWest Bancorp, and Pacific Western                  at the Reserve Bank indicated or the


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Document Created: 2015-12-16 08:34:17
Document Modified: 2015-12-16 08:34:17
CategoryRegulatory Information
CollectionFederal Register
sudoc ClassAE 2.7:
GS 4.107:
AE 2.106:
PublisherOffice of the Federal Register, National Archives and Records Administration
SectionNotices
ActionOn January 28, 2015, the Federal Reserve published a notice in the Federal Register (80 FR 4571) requesting public comment for 60 days on the extension, with revision, of the information collection associated with Regulation B. The comment period for this notice expired on March 30, 2015. The Federal Reserve did not receive any comments. The revisions will be implemented as proposed.
ContactFederal Reserve Board Acting Clearance Officer--Mark Tokarski--Office of the Chief Data Officer, Board of Governors of the Federal Reserve System, Washington, DC 20551 (202) 452-5241. Telecommunications Device for the Deaf (TDD) users may contact (202) 263-4869, Board of Governors of the Federal Reserve System, Washington, DC 20551.
FR Citation80 FR 22186 

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