80 FR 32046 - Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the Currency
FEDERAL RESERVE SYSTEM
FEDERAL DEPOSIT INSURANCE CORPORATION Federal Register Volume 80, Issue 108 (June 5, 2015)
Office of the Comptroller of the Currency
FEDERAL RESERVE SYSTEM
FEDERAL DEPOSIT INSURANCE CORPORATION
Federal Register Volume 80, Issue 108 (June 5, 2015)
| Page Range | 32046-32055 | |
| FR Document | 2015-13749 |
[Federal Register Volume 80, Number 108 (Friday, June 5, 2015)] [Proposed Rules] [Pages 32046-32055] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2015-13749] ======================================================================= ----------------------------------------------------------------------- DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency 12 CFR Chapter I [Docket ID FFIEC-2014-0001] FEDERAL RESERVE SYSTEM 12 CFR Chapter II [Docket No. R-1510] FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Chapter III Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996 AGENCY: Office of the Comptroller of the Currency (``OCC''), Treasury; Board of Governors of the Federal Reserve System (``Board''); and Federal Deposit Insurance Corporation (``FDIC''). ACTION: Notice of regulatory review; request for comments. ----------------------------------------------------------------------- SUMMARY: The OCC, Board, and FDIC (each an ``Agency''; together ``we'' or ``Agencies'') are conducting a review of the regulations we have issued in order to identify outdated or otherwise unnecessary regulatory requirements imposed on insured depository institutions, as required by the Economic Growth and Regulatory Paperwork Reduction Act of 1996 (EGRPRA). EGRPRA requires the Agencies to organize the regulations into categories and publish groups of categories for comment. In this notice, the Agencies are seeking public comment on regulations in the following categories: Consumer Protection; Directors, Officers and Employees; and Money Laundering. In addition, in order to be as inclusive as possible, the Agencies are expanding the scope of the EGRPRA review to include newly issued rules. The Agencies will solicit comment on all rules finalized by the Agencies before the publication of the last EGRPRA notice in the series, which we intend to publish by the end of this year. We have included with today's notice a chart that lists additional rules in their respective categories, to which we will add any other rules issued prior to the final EGRPRA notice. The public also may comment on these rules at any time during an open comment period. DATES: Written comments must be received by no later than September 3, 2015. [[Page 32047]] ADDRESSES: Any interested individual may submit comments through the EGRPRA Web site during open comment periods at: http://egrpra.ffiec.gov/submit-comment/submit-comment-index.html. On this site, click ``Submit a Comment'' and follow the instructions. Alternatively, comments also may be submitted through the Federal eRulemaking Portal ``Regulations.gov'' at: http://www.regulations.gov. Enter ``Docket ID FFIEC-2014-0001'' in the Search Box, click ``Search,'' and click ``Comment Now.'' Those who wish to submit their comments by an alternate means may do so as indicated by each Agency below. OCC: The OCC encourages commenters to submit comments through the Federal eRulemaking Portal, Regulations.gov, in accordance with the previous paragraph. Alternatively, comments may be emailed to regs.comments@occ.treas.gov or sent by mail to Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, Mail Stop 9W-11, 400 7th Street SW., Washington, DC 20219. Comments also may be faxed to (571) 465-4326 or hand delivered or sent by courier to 400 7th Street SW., Washington, DC 20219. For comments submitted by any means other than Regulations.gov, you must include ``OCC'' as the Agency name and ``Docket ID FFIEC-2014-0001'' in your comment. In general, the OCC will enter all comments received into the docket and publish them without change on Regulations.gov. Comments received, including attachments and other supporting materials, as well as any business or personal information you provide, such as your name and address, email address, or phone number, are part of the public record and subject to public disclosure. Therefore, please do not include any information with your comment or supporting materials that you consider confidential or inappropriate for public disclosure. You may inspect and photocopy in person all comments received by the OCC at 400 7th Street SW., Washington, DC 20219. For security reasons, the OCC requires that visitors make an appointment to inspect or photocopy comments. You may make an appointment by calling (202) 649-6700. Upon arrival, visitors will be required to present valid government-issued photo identification and submit to a security screening. Board: The Board encourages commenters to submit comments regarding the Board's regulations by any of the following methods:Agency Web site: http://www.federalreserve.gov/apps/foia/proposedregs.aspx. Follow the instructions for submitting comments on the Agency Web site. Federal eRulemaking Portal, in accordance with the directions above. Email: regs.comments@federalreserve.gov. Include ``EGRPRA'' and Docket No. R-1510 in the subject line of the message. FAX: (202) 452-3819. Mail: Robert deV. Frierson, Secretary, Board of Governors of the Federal Reserve System, 20th Street and Constitution Avenue NW., Washington, DC 20551. In general, the Board will enter all comments received into the docket and publish them without change on the Board's public Web site, www.federalreserve.gov; Regulations.gov; and http://egrpra.ffiec.gov. Comments received, including attachments and other supporting materials, as well as any business or personal information you provide, such as your name and address, email address, or phone number, are part of the public record and subject to public disclosure. Therefore, please do not enclose any information with your comment or supporting materials that you consider confidential or inappropriate for public disclosure. You may inspect and photocopy in person all comments received by the Board in Room 3515, 1801 K Street NW. (between 18th and 19th Street NW.), Washington, DC 20006, between 9:00 a.m. and 5:00 p.m. on weekdays. For security reasons, the Board requires that visitors make an appointment to inspect comments. You may make an appointment by calling (202) 452-3000. Upon arrival, visitors will be required to present valid government-issued photo identification and submit to a security screening. FDIC: The FDIC encourages commenters to submit comments through the Federal eRulemaking Portal, ``Regulations.gov,'' in accordance with the directions above. Alternatively, you may submit comments by any of the following methods: Agency Web site: http://www.fdic.gov/regulations/laws/federal. Follow instructions for submitting comments on the Agency Web site. Email: Comments@FDIC.gov. Include ``EGRPRA'' in the subject line of the message. Mail: Robert E. Feldman, Executive Secretary, Attention: Comments, Federal Deposit Insurance Corporation, 550 17th Street NW., Washington, DC 20429. Hand Delivery/Courier: Guard station at the rear of the 550 17th Street Building (located on F Street) on business days between 7 a.m. and 5 p.m. (EDT). The FDIC will post all comments received to http://www.fdic.gov/regulations/laws/federal without change, including any personal information provided. Comments may be inspected and photocopied in the FDIC Public Information Center, 3501 North Fairfax Drive, Room E-1002, Arlington, VA 22226, between 9 a.m. and 5 p.m. (EDT) on business days. Paper copies of public comments may be ordered from the Public Information Center by calling (877) 275-3342. FOR FURTHER INFORMATION CONTACT: OCC: Karen McSweeney, Counsel (202) 649-6295; Heidi M. Thomas, Special Counsel, (202) 649-5490; Rima Kundnani, Attorney, (202) 649-5545; for persons who are deaf or hard of hearing, TTY (202) 649-5597. Board: Claudia Von Pervieux, Counsel (202) 452-2552; Matthew Bornfreund, Attorney (202) 452-3818; for persons who are deaf or hard of hearing, TTY (202) 263-4869. FDIC: Ruth R. Amberg, Assistant General Counsel, (202) 898-3736; Ann Taylor, Supervisory Counsel (202) 898-3573; for persons who are deaf or hard of hearing, TTY 1-800-925-4618. SUPPLEMENTARY INFORMATION: I. Introduction Section 2222 of EGRPRA \1\ requires that, not less frequently than once every 10 years, the Federal Financial Institutions Examination Council (FFIEC),\2\ along with the Agencies,\3\ [[Page 32048]] conduct a review of their regulations to identify outdated or otherwise unnecessary requirements imposed on insured depository institutions.\4\ The EGRPRA regulatory review provides an opportunity for the public and the Agencies to look at groups of related regulations and to identify opportunities for burden reduction. For example, the EGRPRA review may facilitate the identification of statutes and regulations that share similar goals or complementary methods where one or more Agencies could eliminate overlapping requirements. Alternatively, commenters may identify regulations or statutes that impose requirements that are no longer consistent with the way that business is conducted and that the Agencies should eliminate or revise. --------------------------------------------------------------------------- \1\ Public Law 104-208 (1996), codified at 12 U.S.C. 3311. \2\ The FFIEC is an interagency body empowered to prescribe uniform principles, standards, and report forms for the Federal examination of financial institutions and to make recommendations to promote uniformity in the supervision of financial institutions. The FFIEC does not issue regulations that impose burden on financial institutions and, therefore, we have not separately captioned the FFIEC in this notice. \3\ The FFIEC is comprised of the OCC, Board, FDIC, National Credit Union Administration (NCUA), Consumer Financial Protection Bureau (CFPB), and State Liaison Committee. Of these, only the OCC, Board, and FDIC are statutorily required to undertake the EGRPRA review. The NCUA elected to participate in the first EGRPRA review 10 years ago, and the NCUA Board again has elected to participate in this review process. Consistent with its approach during the first EGRPRA review, NCUA will separately issue notices and requests for comment on its rules. The CFPB is required to review its significant rules and publish a report of its review no later than five years after they take effect. See 12 U.S.C. 5512(d). This process is separate from the EGRPRA process. \4\ Insured depository institutions also are subject to regulations that are not required to be reviewed under the EGRPRA process. Examples include rules for which rulemaking authority has transferred to the CFPB and anti-money laundering regulations issued by the Department of the Treasury's Financial Crimes Enforcement Network, among others. If, during the EGRPRA review, the Agencies receive a comment about a regulation that is not subject to the EGRPRA review, we will forward that comment to the appropriate agency. --------------------------------------------------------------------------- In addition to providing an opportunity to consider burden reduction generally, the EGRPRA review also provides the Agencies and the public with an opportunity to consider burden reduction on community banks and other small, insured depository institutions or holding companies. We are keenly aware of the role that these institutions play in providing consumers and businesses across the nation with essential financial services and access to credit, and we are concerned about the impact of regulatory burden on these smaller institutions. We understand that when an Agency issues a new regulation or amends a current regulation, smaller institutions may have to devote considerable resources to determine if and how the regulation will affect them. Through the public comment process, the EGRPRA review can help the Agencies identify and target regulatory changes to reduce unnecessary burden on these smaller institutions. Burden reduction must, however, be consistent with the Agencies' statutory mandates, many of which require the issuance of regulations. These mandates include ensuring the safety and soundness of insured depository institutions, their affiliates, and the financial system as a whole. EGRPRA recognizes that effective burden reduction may require legislative change. Accordingly, as part of this review, we specifically ask the public to comment on the relationships among burden reduction, regulatory requirements, and statutory mandates. In addition, we note that the Agencies consider potential regulatory burden each time we propose, adopt, or amend a rule. For example, under the Paperwork Reduction Act of 1995 and the Regulatory Flexibility Act, the Agencies assess each rulemaking with respect to the burdens the rule might impose. Furthermore, we invite the public to comment on every rule we propose, as required by the Administrative Procedure Act (APA). II. The EGRPRA Review Process Taken together for purposes of EGRPRA, the Agencies' regulations covering insured depository institutions encompass more than 100 subjects.\5\ Consistent with the EGRPRA statute, the Agencies grouped these regulations into the following 12 regulatory categories: Applications and Reporting; Banking Operations; Capital; Community Reinvestment Act; Consumer Protection; \6\ Directors, Officers and Employees; International Operations; Money Laundering; Powers and Activities; Rules of Procedure; Safety and Soundness; and Securities. To determine these categories, we divided the regulations by type and sought to have no category be too large or broad. --------------------------------------------------------------------------- \5\ Consistent with EGRPRA's focus on reducing burden on insured depository institutions, the Agencies have not included their internal, organizational, or operational regulations in this review. \6\ As we have previously noted, the Agencies are seeking comment only on those consumer protection regulations for which we retain rulemaking authority for insured depository institutions and regulated holding companies following passage of section 1061 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203 (2010) (Dodd-Frank Act), codified at 12 U.S.C. 5581(b). --------------------------------------------------------------------------- To carry out the EGRPRA review, the Agencies will publish four Federal Register notices, each addressing one or more categories of rules. Each Federal Register notice will have a 90-day comment period. On June 4, 2014, the Agencies published the first such notice, seeking comment on three categories of rules: Applications and Reporting, Powers and Activities, and International Operations.\7\ On February 13, 2015, the Agencies published the second notice, seeking comment on three additional categories of rules: Banking Operations, Capital, and the Community Reinvestment Act.\8\ Today, we are publishing the third notice, addressing the categories of Consumer Protection; Directors, Officers and Employees; and Money Laundering. We invite the public to identify outdated, otherwise unnecessary, or unduly burdensome regulatory requirements imposed on insured depository institutions and their holding companies in these three categories. Chart A in Section IV lists the Agencies' rules that fall within these categories. --------------------------------------------------------------------------- \7\ 79 FR 32172 (First Notice). \8\ 80 FR 7980 (Second Notice). --------------------------------------------------------------------------- After comments have been received, the Agencies will review the comments and decide whether further action is appropriate with respect to the regulations. The Agencies will make this decision jointly in the case of rules that we have issued on an interagency basis. Similarly, we will undertake any rulemaking to amend or repeal those rules on an interagency basis. For rules issued by an Agency, the issuing Agency will review the comments received and independently determine whether amendments to or repeal of its rules are appropriate. If so, that Agency will initiate a rulemaking to effect such change. In all cases, the Agencies will provide the public with an opportunity to comment on any proposed amendment to or repeal of a regulation, as required by the APA. Further, as part of the EGRPRA review, the Agencies are holding a series of outreach meetings to provide an opportunity for bankers, consumer and community groups, and other interested persons to present their views directly to senior management and staff of the Agencies on any of the categories of regulations in the EGRPRA review. More information about the outreach meetings can be found on the Agencies' EGRPRA Web site, http://egrpra.ffiec.gov. Finally, EGRPRA also requires the FFIEC or the Agencies to publish in the Federal Register a summary of the comments received, identifying significant issues raised and commenting on these issues. It also directs the Agencies to eliminate unnecessary regulations to the extent that such action is appropriate. The statute additionally requires the FFIEC to submit to Congress a report that summarizes any significant issues raised in the public comments and the relative merits of such issues. The report also must include an analysis of whether the Agencies are able to address the regulatory burdens associated with such issues or whether these burdens must be addressed by legislative action. III. The Agencies' Expansion of the Scope of the EGRPRA Review To be as inclusive as possible, the Agencies are expanding the scope of the EGRPRA review to include rules that the Agencies have recently finalized (Newly Listed Rules), including those [[Page 32049]] issued pursuant to the Dodd-Frank Act and the recent domestic capital and liquidity rules. We will seek specific comment on these Newly Listed Rules in the fourth EGRPRA Federal Register notice, which we plan to issue by the end of this year. (There are no Newly Listed Rules in the three categories covered by this notice.) As noted below, the Agencies will also accept comment at any time on any of our regulations during an open comment period as part of the EGRPRA process. The Agencies have identified the Newly Listed Rules and placed them into the 12 categories established for this review. Chart B in Section IV contains these Newly Listed Rules. Prior to the publication of the fourth and final notice of the EGRPRA review, the Agencies will add to the Newly Listed Rules any additional rules finalized by that time. Furthermore, it has been the practice of the Agencies to accept comments on any of the Agencies' rules during the EGRPRA review. We will continue this practice and accept comments at any time during an open comment period on any of the rules of the Agencies, including those contained in Charts A and B, as well as those rules published in the prior Federal Register notices. IV. Request for Burden Reduction Comments on Regulations in the Consumer Protection; Directors, Officers and Employees; and Money Laundering Categories As stated previously in this notice, the Agencies are asking the public to comment on regulations in the Consumer Protection; Directors, Officers and Employees; and Money Laundering categories to identify outdated or otherwise unnecessary regulatory requirements imposed on insured depository institutions and their regulated holding companies. Where possible, we ask commenters to cite specific regulatory language or provisions. We also welcome suggested alternative provisions or language in support of a comment, where appropriate. Where implementation of a suggestion would require modification of a statute, we ask the commenter to identify the statute and the needed change, where possible. Specific issues for commenters to consider. The Agencies specifically invite comment on the following issues as they pertain to the Agencies' Consumer Protection; Directors, Officers and Employees; and Money Laundering rules addressed in this notice. Need for statutory change. (1) Do any statutory requirements underlying the rules in these categories impose outdated or otherwise unnecessary regulatory requirements? (2) If so, please identify the statutes and indicate how they should be amended. Need and purpose of the regulations. (1) Have there been changes in the financial services industry, consumer behavior, or other circumstances that cause any regulations in these categories to be outdated or otherwise unnecessary? (2) If so, please identify and indicate how they should be amended. (3) Do any of these regulations impose burdens not required by their underlying statutes? (4) If so, please identify the regulations and indicate how they should be amended. Overarching approaches/flexibility. (1) With respect to the regulations in these categories, could an Agency use a different approach to lessen the burden imposed by the regulations and achieve statutory intent? (2) Do any of these rules impose unnecessarily inflexible requirements? (3) If so, please identify the regulations and indicate how they should be amended. Effect on competition. (1) Do any of the regulations or underlying statutes create competitive disadvantages for one part of the financial services industry compared to another or for one type of insured depository institution compared to another? (2) If so, please identify the regulations and indicate how they should be amended. Reporting, recordkeeping and disclosure requirements. (1) Do any of the regulations or underlying statutes in these categories impose outdated or otherwise unnecessary reporting, recordkeeping, or disclosure requirements on insured depository institutions or their holding companies? (2) Could a financial institution fulfill any of these requirements electronically (if it is not already permitted to do so) and experience burden reduction? (3) If so, please identify the regulations and indicate how they should be amended. Unique characteristics of a type of institution. (1) Do any of the regulations or underlying statutes in these categories impose requirements that are unwarranted by the unique characteristics of a particular type of insured depository institution or holding company? (2) If so, please identify the regulations and indicate how they should be amended. Clarity. (1) Are the regulations in these categories clear and easy to understand? (2) Are there specific regulations for which clarification is needed? (3) If so, please identify the regulations and indicate how they should be amended. Burden on community banks and other smaller, insured depository institutions. (1) Are there regulations or underlying statutes in these categories that impose outdated or otherwise unnecessary requirements on a substantial number of community banks or other smaller, insured depository institutions or holding companies? (2) Have the Agencies issued regulations pursuant to a common statute that, as applied by the Agencies, create redundancies or impose inconsistent requirements? (3) Should any of these regulations be amended or repealed in order to minimize this impact? (4) If so, please identify the regulations and indicate how they should be amended. Scope of rules. (1) Is the scope of each rule in these categories consistent with the intent of the underlying statute(s)? (2) Could we amend the scope of a rule to clarify its applicability or reduce burden, while remaining faithful to statutory intent? (3) If so, please identify the regulations and indicate how they should be amended. -------------------------------------------------------------------------------------------------------------------------------------------------------- State non-member Federal savings State savings Subject National banks State member banks banks associations associations BHCs & FHCs SLHCs -------------------------------------------------------------------------------------------------------------------------------------------------------- 7. Consumer Protection \9\ -------------------------------------------------------------------------------------------------------------------------------------------------------- Interagency Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Consumer Protection in Sales of 12 CFR Part 14.... 12 CFR Part 208, 12 CFR Part 343... 12 CFR Part 14.... 12 CFR Part 390, .................. Insurance. Subpart H [Reg. Subpart I. H]. [[Page 32050]] Fair Housing.................... 12 CFR Part 27.... .................. 12 CFR Part 338... 12 CFR Part 128 12 CFR Part 390, .................. (including other Subpart G. non- discrimination requirements). Loans in Identified Flood Hazard 12 CFR Part 22.... 12 CFR 208.25 12 CFR Part 339 12 CFR Part 172... 12 CFR Part 391, .................. Areas. [Reg. H] (See (See also Subpart D (See also proposal to proposal to amend also proposal to amend Part 208 at Part 339 at 78 FR apply proposed 78 FR 65108 (Oct. 65108 (Oct. 30, amendments to 30, 2013)). 2013)).. Part 339 to state savings associations at 78 FR 65108 (Oct. 30, 2013)). Prohibition Against Use of 12 CFR Part 25, 12 CFR 208.7 [Reg. 12 CFR Part 369... .................. .................. .................. Interstate Branches Primarily Subpart E. H]. for Deposit Production. Safeguarding Customer 12 CFR Part 30, 12 CFR Part 208, 12 CFR Part 364, 12 CFR Part 30, 12 CFR 391.14, 12 CFR Part 225, Information. Appx. B. Appx. D-2 [Reg. Appx. B. Appx. B. Appx. B. Appx. F [Reg. Y]. H]. Fair Credit Reporting Act: 12 CFR Part 41, 12 CFR Part 222, 12 CFR Part 334, 12 CFR Part 41, 12 CFR Part 391, .................. Duties of Users of Consumer Subpart I. Subpart I [Reg. Subpart I. Subpart I. Subpart C. Reports Regarding Address V]. Discrepancies Records Disposal. Fair Credit Reporting Act: 12 CFR Part 41, 12 CFR Part 222, 12 CFR Part 334, 12 CFR Part 41, 12 CFR Part 391, .................. Consumer Information and Subpart J. Subpart J [Reg. Subpart J. Subpart J. Subpart C. Identity Theft Red Flags. V]. -------------------------------------------------------------------------------------------------------------------------------------------------------- OCC Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Federal Savings Association .................. .................. .................. 12 CFR 163.27..... .................. .................. Advertising. Federal Savings Association .................. .................. .................. 12 CFR 163.36..... .................. .................. Tying Restriction Exception. -------------------------------------------------------------------------------------------------------------------------------------------------------- FDIC Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- State Savings Association Tying .................. .................. .................. .................. 12 CFR 390.335.... .................. Restriction Exception. Advertisement of Membership..... 12 CFR Part 328... 12 CFR Part 328... 12 CFR Part 328... 12 CFR Part 328... 12 CFR Part 328 .................. (See also 12 CFR 390.333). Deposit Insurance Coverage...... 12 CFR Part 330... 12 CFR Part 330... 12 CFR Part 330... 12 CFR Part 330... 12 CFR Part 330 .................. (See also 12 CFR 390.231). Certification of Assumption of 12 CFR Part 307... 12 CFR Part 307... 12 CFR Part 307... 12 CFR Part 307... 12 CFR Part 307 .................. Deposits and Notification of (See also 12 CFR Changes of Insured Status. 390.332). -------------------------------------------------------------------------------------------------------------------------------------------------------- 8. Directors, Officers and Employees Interagency Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Disclosure of Financial 12 CFR Part 18.... .................. 12 CFR Part 350... .................. .................. .................. Information. [[Page 32051]] Golden Parachute and 12 CFR Part 359... 12 CFR Part 359... 12 CFR Part 359... 12 CFR Part 359 12 CFR Part 359... 12 CFR Part 359. Indemnification Programs. (See also 12 CFR 12 CFR Part 359. 145.121). Limits on Extensions of Credit 12 CFR Part 31.... 12 CFR Part 215 12 CFR 337.3; 12 12 CFR 163.43..... 12 CFR 390.338.... .................. to Executive Officers, [Reg. O]. CFR Part 349. Directors and Principal Shareholders; Related Disclosure Requirements. Management Official Interlocks.. 12 CFR Part 26.... 12 CFR Part 212 12 CFR Part 348... 12 CFR Part 26.... 12 CFR Part 390, 12 CFR Part 212 [Reg. L]. Subpart V. [Reg. L]. 12 CFR Part 238, Subpart J [Reg. LL]. -------------------------------------------------------------------------------------------------------------------------------------------------------- OCC Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- National Bank Activities and 12 CFR Part 7, .................. .................. .................. .................. .................. Operations--Corporate Practices. Subpart B. Federal Savings Association .................. .................. .................. 12 CFR 163.33..... .................. .................. Board of Directors Composition. Federal Savings Association Bond .................. .................. .................. 12 CFR 163.190- .................. .................. Coverage. .191. Federal Savings Association .................. .................. .................. 12 CFR 163.39; 12 .................. .................. Employment Contracts, CFR 163.47; 12 Compensation, Pension Plans. CFR 163.161. Federal Savings Association .................. .................. .................. 12 CFR 160.130; 12 .................. .................. Restrictions on Transactions CFR 163.200-.201. with Officers, Directors, and Others. -------------------------------------------------------------------------------------------------------------------------------------------------------- FDIC Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- State Savings Association .................. .................. .................. .................. 12 CFR 390.334.... .................. Directors, Officers, and Employees. State Savings Association Bond .................. .................. .................. .................. 12 CFR 390.356- .................. Coverage. .357. State Savings Association .................. .................. .................. .................. 12 CFR 390.336; 12 .................. Employment Contracts, CFR 390.332; 12 Compensation, Pension Plans. CFR 390.339. State Savings Association .................. .................. .................. .................. 12 CFR 390.269.... .................. Restrictions on Transactions with Officers, Directors, and Others. -------------------------------------------------------------------------------------------------------------------------------------------------------- 9. Money Laundering Interagency Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Bank Secrecy Act Compliance..... 12 CFR Part 21, 12 CFR 208.63 12 CFR Part 326, 12 CFR 21, Subpart 12 CFR 390.354.... .................. Subpart C. [Reg. H]. Subpart B. C. Reports of Crimes or Suspected 12 CFR Part 21, 12 CFR 208.62-.63 12 CFR Part 353... 12 CFR 163.180(d). 12 CFR 390.355.... 12 CFR 225.4(f) Crimes. Subpart B. [Reg. H]. [Reg. Y]. -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 32052]] 1. Applications and Reporting Board Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Concentration Limits............ 12 CFR Part 251 12 CFR Part 251 12 CFR Part 251 12 CFR Part 251 12 CFR Part 251 12 CFR Part 251 [Reg. XX]. [Reg. XX]. [Reg. XX]. [Reg. XX]. [Reg. XX]. [Reg. XX]. 12 CFR Part 251 [Reg. XX]. -------------------------------------------------------------------------------------------------------------------------------------------------------- 2. Powers and Activities Interagency Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Proprietary Trading and 12 CFR Part 44.... 12 CFR Part 248 12 CFR Part 351... 12 CFR Part 44.... 12 CFR Part 351... 12 CFR Part 248 Relationships with Covered [Reg. VV]. [Reg. VV]. Funds. 12 CFR Part 248 [Reg. VV]. Retail Foreign Exchange 12 CFR Part 48.... 12 CFR Part 240 12 CFR Part 349... 12 CFR Part 48.... 12 CFR Part 349... 12 CFR Part 240 Transactions. [Reg. NN]. [Reg. NN]. -------------------------------------------------------------------------------------------------------------------------------------------------------- Board Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Proprietary Trading and .................. .................. .................. .................. .................. 12 CFR Part 225, Relationships with Covered Subpart K [Reg. Funds. Y]. 12 CFR Part 225, Subpart K [Reg. Y]. -------------------------------------------------------------------------------------------------------------------------------------------------------- 3. International Operations Board Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Foreign Banking Organizations: .................. .................. .................. .................. .................. 12 CFR Part 252 Stress Tests, Risk Committee, Subparts L-O and Enhanced Prudential [Reg. YY]. Standards. Swaps Entities.................. .................. 12 CFR Part 237 .................. .................. .................. 12 CFR Part 237 [Reg. KK]. [Reg. KK]. -------------------------------------------------------------------------------------------------------------------------------------------------------- 4. Banking Operations Board Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Assessment of Fees.............. .................. .................. .................. .................. .................. 12 CFR Part 246 [Reg. TT]. 12 CFR Part 246 [Reg. TT]. Debit Card Interchange Fees..... 12 CFR Part 235 12 CFR Part 235 12 CFR Part 235 12 CFR Part 235 12 CFR Part 235 .................. [Reg. II]. [Reg. II]. [Reg. II]. [Reg. II]. [Reg. II]. -------------------------------------------------------------------------------------------------------------------------------------------------------- 5. Capital Interagency Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Capital Adequacy: General Ratio 12 CFR Part 3, 12 CFR Part 217, 12 CFR Part 324, 12 CFR Part 3, 12 CFR Part 324, 12 CFR Part 217, and Buffers Definition of Subparts A-C, G-J. Subparts A-C, G Subparts A-C, G. Subparts A-C, G-J. Subparts A-C, G. Subparts A-C, G Capital Transition. [Reg. Q]. [Previously found [Previously found [Reg. Q]. in 12 CFR Part in 12 CFR Part 12 CFR Part 217, 325]. 390, Subpart Z]. Subparts A-C, G [Reg. Q]. Capital Adequacy: Risk-Weighted 12 CFR Part 3, 12 CFR Part 217, 12 CFR Part 324, 12 CFR Part 3, 12 CFR Part 324, 12 CFR Part 217, Assets--Standardized Approach. Subpart D. Subpart D [Reg. Subpart D. Subpart D. Subpart D. Subpart D [Reg. Q]. [Previously found [Previously found Q]. in 12 CFR Part in 12 CFR Part 12 CFR Part 217, 325 Appx. A]. 390, Subpart Z, Subpart D [Reg. Appx. A]. Q]. Capital Adequacy: Risk-Weighted 12 CFR Part 3, 12 CFR Part 217, 12 CFR Part 324, 12 CFR Part 3, 12 CFR Part 324, 12 CFR Part 217, Assets--Advanced Measurement Subpart E. Subpart E [Reg. Subpart E. Subpart E. Subpart E. Subpart E [Reg. Approaches. Q]. [Previously found [Previously found Q]. in 12 CFR Part in 12 CFR Part 12 CFR Part 217, 325 Appx. D]. 390, Subpart Z, Subpart E [Reg. Appx. A]. Q]. [[Page 32053]] Capital Adequacy: Risk-Weighted 12 CFR Part 3, 12 CFR Part 217, 12 CFR Part 324, 12 CFR Part 3, 12 CFR Part 324, 12 CFR Part 217, Assets--Market Risk. Subpart F. Subpart F [Reg. Subpart F. Subpart F. Subpart F. Subpart F [Reg. Q]. [Previously found [Previously found Q]. in 12 CFR Part in 12 CFR Part 12 CFR Part 217, 325 Appx. C]. 390, Subpart Z, Subpart F [Reg. Appx. A]. Q]. Capital Adequacy Guidelines..... 12 CFR Part 3, 12 CFR Part 208, 12 CFR Part 324 12 CFR Part 3, 12 CFR Part 324 12 CFR Part 225, Appx. A and B. Appx. A, B, and E [Previously found Appx. A and B. [Previously found Appx. A, B, D, [Reg. H]. in 12 CFR Part in 12 CFR Part and E [Reg. Y]. 325 Appx. A-D]. 390, Subpart Z, Appx. A]. Prompt Corrective Action........ 12 CFR Part 6..... 12 CFR Part 208, 12 CFR Part 325, 12 CFR Part 6; 12 12 CFR Part 390, 12 CFR Part 208, Subpart D [Reg. Subpart B. CFR 165.8;12 CFR Subpart Y. Subpart D [Reg. H]; 12 CFR Part 165.9. H]; 12 CFR Part 263, Subpart H. 263, Subpart H. -------------------------------------------------------------------------------------------------------------------------------------------------------- OCC Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Annual Stress Tests............. 12 CFR Part 46.... .................. .................. 12 CFR Part 46.... .................. .................. -------------------------------------------------------------------------------------------------------------------------------------------------------- Board Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Capital Planning................ .................. .................. .................. .................. .................. 12 CFR Part l225.8 [Reg. Y]. Stress Tests--U.S. Organizations .................. 12 CFR Part 252, .................. .................. .................. 12 CFR Part 252, Company Run and Supervisory. Subparts B, E, Subparts B, E, and F [Reg. YY]. and F [Reg. YY]. 12 CFR Part 252, Subpart B [Reg. YY]. -------------------------------------------------------------------------------------------------------------------------------------------------------- FDIC Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Annual Stress Tests............. .................. .................. 12 CFR Part 325, .................. 12 CFR Part 325, .................. Subpart C. Subpart C. -------------------------------------------------------------------------------------------------------------------------------------------------------- 6. Community Reinvestment Act -------------------------------------------------------------------------------------------------------------------------------------------------------- All rules under this category were included in the charts published in the First Notice. -------------------------------------------------------------------------------------------------------------------------------------------------------- 7. Consumer Protection -------------------------------------------------------------------------------------------------------------------------------------------------------- All rules under this category were included in the charts published in the First Notice. -------------------------------------------------------------------------------------------------------------------------------------------------------- 8. Directors, Officers, and Employees -------------------------------------------------------------------------------------------------------------------------------------------------------- All rules under this category were included in the charts published in the First Notice. -------------------------------------------------------------------------------------------------------------------------------------------------------- 9. Money Laundering -------------------------------------------------------------------------------------------------------------------------------------------------------- All rules under this category were included in the charts published in the First Notice. -------------------------------------------------------------------------------------------------------------------------------------------------------- 10. Rules of Procedure FDIC Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Orderly Liquidation Authority... .................. .................. .................. .................. .................. 12 CFR Part 380. 12 CFR Part 380. -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 32054]] 11. Safety and Soundness Interagency Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Appraisals: Higher-priced 12 CFR Part 34, 12 CFR 226.43;12 12 CFR Part 1026 12 CFR Part 34, .................. 12 CFR 226.43; 12 Mortgages. Subpart G. CFR Part 226, [Reg. Z]. Subpart G. CFR Part 226, Appx. N and O, Appx. N and O, and Supp. I [Reg. and Supp. I [Reg. Z]. Z]. 12 CFR 226.43; 12 CFR Part 226, Appx. N and O, and Supp. I [Reg. Z]. Credit Risk Retention........... 12 CFR Part 43.... 12 CFR Part 244 12 CFR Part 373... 12 CFR Part 43.... 12 CFR Part 373... 12 CFR Part 244 [Reg. RR]. [Reg. RR]. 12 CFR Part 244 [Reg. RR]. Liquidity Risk.................. 12 CFR Part 50.... 12 CFR Part 249 12 CFR Part 329... 12 CFR Part 50.... 12 CFR Part 329... 12 CFR Part [Reg. WW]. 249[Reg. WW]. 12 CFR Part 249 [Reg. WW]. Resolution Plans................ .................. .................. .................. .................. .................. 12 CFR Part 381; 12 CFR Part 243 [Reg. QQ]. -------------------------------------------------------------------------------------------------------------------------------------------------------- FDIC Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Resolution Plans................ 12 CFR Part 360.10 12 CFR Part 360.10 12 CFR Part 360.10 12 CFR Part 360.10 12 CFR Part 360.10 .................. -------------------------------------------------------------------------------------------------------------------------------------------------------- OCC Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Heightened Expectations 12 CFR Part 30, .................. .................. 12 CFR Part 30, .................. .................. Guidelines. Appx. D. Appx. D. -------------------------------------------------------------------------------------------------------------------------------------------------------- Board Regulations -------------------------------------------------------------------------------------------------------------------------------------------------------- Appraisals: Appraiser .................. 12 CFR 226.42;12 12 CFR Part 1026 .................. .................. 12 CFR 226.42; 12 Independence. CFR Part 226, [Reg. Z]. CFR Part 226, Supp. I [Reg. Z]. Supp. I [Reg. Z]. 12 CFR 226.42; 12 CFR Part 226, Supp. I [Reg. Z]. Definitions related to the .................. .................. .................. .................. .................. 12 CFR Part 242 Financial Stability Oversight [Reg. PP]. Council. Enhanced Prudential Standards .................. .................. .................. .................. .................. 12 CFR Part 252, Risk Committee Requirement (for Subparts B and C certain BHCs) Standards for [Reg. YY]. BHCs with consolidated assets $50 billion or more. Financial Market Utilities...... .................. 12 CFR Part 234 .................. .................. .................. .................. [Reg. HH]. Securities Holding Companies.... .................. .................. .................. .................. .................. 12 CFR Part 241 [Reg. OO]. -------------------------------------------------------------------------------------------------------------------------------------------------------- 12. Securities -------------------------------------------------------------------------------------------------------------------------------------------------------- All rules under this category were included in the charts published in the First Notice. -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 32055]] --------------------------------------------------------------------------- \9\ Regulations for which rulemaking authority has transferred to the CFPB are not included in this Consumer Protection category. As described in the Supplementary Information section of this notice, the CFPB is required to review its significant rules and publish a report of its review no later than five years after they take effect, in a process separate from the EGRPRA process. Dated: May 27, 2015. Thomas J. Curry, Comptroller of the Currency. By order of the Board of Governors of the Federal Reserve System, May 29, 2015. Michael Lewandowski, Associate Secretary of the Board. Dated: May 29, 2015. By order of the Board of Directors. Federal Deposit Insurance Corporation. Robert E. Feldman, Executive Secretary. [FR Doc. 2015-13749 Filed 6-4-15; 8:45 am] BILLING CODE P
![32046 Federal Register / Vol. 80, No. 108 / Friday, June 5, 2015 / Proposed Rules
terms and conditions thereof, would § 925.21 Term of office. DEPARTMENT OF THE TREASURY
tend to effectuate the declared policy of The term of office of the members and
the Act; Office of the Comptroller of the
2. The marketing order as hereby alternates shall be four fiscal Currency
proposed to be amended regulates the periods.* * *
handling of table grapes grown in a ■ 3. Revise 925.25 to read as follows: 12 CFR Chapter I
designated area of southeastern [Docket ID FFIEC–2014–0001]
California in the same manner as, and § 925.25 Qualification and acceptance.
is applicable only to, persons in the Any person selected as a member or FEDERAL RESERVE SYSTEM
respective classes of commercial and alternate member of the Committee
industrial activity specified in the shall, prior to such selection, qualify by 12 CFR Chapter II
marketing order; filing a qualifications questionnaire
3. The marketing order as hereby [Docket No. R–1510]
advising the Secretary that he or she
proposed to be amended is limited in
agrees to serve in the position for which FEDERAL DEPOSIT INSURANCE
application to the smallest regional
production area which is practicable, nominated. CORPORATION
consistent with carrying out the ■ 4. Amend 925.63 by redesignating
declared policy of the Act, and the paragraph (c) as (d) and adding a new 12 CFR Chapter III
issuance of several orders applicable to paragraph (c) to read as follows: Regulatory Publication and Review
subdivisions of the production area Under the Economic Growth and
would not effectively carry out the § 925.63 Termination.
Regulatory Paperwork Reduction Act
declared policy of the Act; * * * * * of 1996
4. The marketing order as hereby (c) Within six years of the effective
proposed to be amended prescribes, AGENCY: Office of the Comptroller of the
date of this part the Secretary shall
insofar as practicable, such different Currency (‘‘OCC’’), Treasury; Board of
conduct a referendum to ascertain
terms applicable to different parts of the Governors of the Federal Reserve
whether continuance of this part is System (‘‘Board’’); and Federal Deposit
production area as are necessary to give
due recognition to the differences in the favored by producers. Subsequent Insurance Corporation (‘‘FDIC’’).
production and marketing of table referenda to ascertain continuance shall ACTION: Notice of regulatory review;
grapes produced or packed in the be conducted every six years thereafter. request for comments.
production area; and The Secretary may terminate the
5. All handling of table grapes provisions of this part at the end of any SUMMARY: The OCC, Board, and FDIC
produced or packed in the production fiscal period in which the Secretary has (each an ‘‘Agency’’; together ‘‘we’’ or
area as defined in the marketing order found that continuance of this part is ‘‘Agencies’’) are conducting a review of
is in the current of interstate or foreign not favored by a two thirds majority of the regulations we have issued in order
commerce or directly burdens, voting producers, or a two thirds to identify outdated or otherwise
obstructs, or affects such commerce. majority of volume represented thereby, unnecessary regulatory requirements
A 60-day comment period is provided who, during a representative period imposed on insured depository
to allow interested persons to respond determined by the Secretary, have been institutions, as required by the
to these proposals. Any comments engaged in the production for market of Economic Growth and Regulatory
received on the amendments proposed Paperwork Reduction Act of 1996
table grapes in the production area.
in this rule will be analyzed, and if (EGRPRA). EGRPRA requires the
Such termination shall be announced on
AMS determines to proceed based on all Agencies to organize the regulations
or before the end of the production year.
the information presented, a producer into categories and publish groups of
referendum would be conducted to * * * * * categories for comment. In this notice,
determine producer support for the Dated: June 1, 2015. the Agencies are seeking public
proposed amendments. If appropriate, a Rex A. Barnes, comment on regulations in the
final rule would then be issued to following categories: Consumer
Associate Administrator, Agricultural
effectuate the amendments favored by Protection; Directors, Officers and
Marketing Service.
producers participating in the Employees; and Money Laundering.
[FR Doc. 2015–13647 Filed 6–4–15; 8:45 am] In addition, in order to be as inclusive
referendum.
BILLING CODE 3410–02–P as possible, the Agencies are expanding
List of Subjects in 7 CFR Part 925 the scope of the EGRPRA review to
Grapes, Marketing agreements, include newly issued rules. The
Reporting and recordkeeping Agencies will solicit comment on all
requirements. rules finalized by the Agencies before
For the reasons set forth in the the publication of the last EGRPRA
preamble, 7 CFR part 925 is proposed to notice in the series, which we intend to
be amended as follows: publish by the end of this year. We have
included with today’s notice a chart that
asabaliauskas on DSK5VPTVN1PROD with PROPOSALS
PART 925—GRAPES GROWN IN A lists additional rules in their respective
DESIGNATED AREA OF categories, to which we will add any
SOUTHEASTERN CALIFORNIA other rules issued prior to the final
EGRPRA notice. The public also may
■ 1. The authority citation for 7 CFR comment on these rules at any time
part 925 continues to read as follows: during an open comment period.
Authority: 7 U.S.C. 601–674. DATES: Written comments must be
■ 2. Revise the first sentence of 925.21 received by no later than September 3,
to read as follows: 2015.
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![Federal Register / Vol. 80, No. 108 / Friday, June 5, 2015 / Proposed Rules 32049
issued pursuant to the Dodd-Frank Act suggestion would require modification otherwise unnecessary reporting,
and the recent domestic capital and of a statute, we ask the commenter to recordkeeping, or disclosure
liquidity rules. We will seek specific identify the statute and the needed requirements on insured depository
comment on these Newly Listed Rules change, where possible. institutions or their holding companies?
in the fourth EGRPRA Federal Register Specific issues for commenters to (2) Could a financial institution fulfill
notice, which we plan to issue by the consider. The Agencies specifically any of these requirements electronically
end of this year. (There are no Newly invite comment on the following issues (if it is not already permitted to do so)
Listed Rules in the three categories as they pertain to the Agencies’ and experience burden reduction? (3) If
covered by this notice.) As noted below, Consumer Protection; Directors, Officers so, please identify the regulations and
the Agencies will also accept comment and Employees; and Money Laundering indicate how they should be amended.
at any time on any of our regulations rules addressed in this notice. • Unique characteristics of a type of
during an open comment period as part • Need for statutory change. (1) Do institution. (1) Do any of the regulations
of the EGRPRA process. any statutory requirements underlying or underlying statutes in these
The Agencies have identified the the rules in these categories impose categories impose requirements that are
Newly Listed Rules and placed them outdated or otherwise unnecessary unwarranted by the unique
into the 12 categories established for regulatory requirements? (2) If so, please characteristics of a particular type of
this review. Chart B in Section IV identify the statutes and indicate how insured depository institution or
contains these Newly Listed Rules. Prior they should be amended. holding company? (2) If so, please
to the publication of the fourth and final • Need and purpose of the identify the regulations and indicate
notice of the EGRPRA review, the regulations. (1) Have there been changes how they should be amended.
Agencies will add to the Newly Listed in the financial services industry,
• Clarity. (1) Are the regulations in
Rules any additional rules finalized by consumer behavior, or other
these categories clear and easy to
that time. Furthermore, it has been the circumstances that cause any
understand? (2) Are there specific
practice of the Agencies to accept regulations in these categories to be
regulations for which clarification is
comments on any of the Agencies’ rules outdated or otherwise unnecessary? (2)
needed? (3) If so, please identify the
during the EGRPRA review. We will If so, please identify and indicate how
regulations and indicate how they
continue this practice and accept they should be amended. (3) Do any of
should be amended.
comments at any time during an open these regulations impose burdens not
comment period on any of the rules of required by their underlying statutes? • Burden on community banks and
the Agencies, including those contained (4) If so, please identify the regulations other smaller, insured depository
in Charts A and B, as well as those rules and indicate how they should be institutions. (1) Are there regulations or
published in the prior Federal Register amended. underlying statutes in these categories
notices. • Overarching approaches/flexibility. that impose outdated or otherwise
(1) With respect to the regulations in unnecessary requirements on a
IV. Request for Burden Reduction these categories, could an Agency use a substantial number of community banks
Comments on Regulations in the different approach to lessen the burden or other smaller, insured depository
Consumer Protection; Directors, imposed by the regulations and achieve institutions or holding companies? (2)
Officers and Employees; and Money statutory intent? (2) Do any of these Have the Agencies issued regulations
Laundering Categories rules impose unnecessarily inflexible pursuant to a common statute that, as
As stated previously in this notice, requirements? (3) If so, please identify applied by the Agencies, create
the Agencies are asking the public to the regulations and indicate how they redundancies or impose inconsistent
comment on regulations in the should be amended. requirements? (3) Should any of these
Consumer Protection; Directors, Officers • Effect on competition. (1) Do any of regulations be amended or repealed in
and Employees; and Money Laundering the regulations or underlying statutes order to minimize this impact? (4) If so,
categories to identify outdated or create competitive disadvantages for one please identify the regulations and
otherwise unnecessary regulatory part of the financial services industry indicate how they should be amended.
requirements imposed on insured compared to another or for one type of • Scope of rules. (1) Is the scope of
depository institutions and their insured depository institution compared each rule in these categories consistent
regulated holding companies. Where to another? (2) If so, please identify the with the intent of the underlying
possible, we ask commenters to cite regulations and indicate how they statute(s)? (2) Could we amend the
specific regulatory language or should be amended. scope of a rule to clarify its applicability
provisions. We also welcome suggested • Reporting, recordkeeping and or reduce burden, while remaining
alternative provisions or language in disclosure requirements. (1) Do any of faithful to statutory intent? (3) If so,
support of a comment, where the regulations or underlying statutes in please identify the regulations and
appropriate. Where implementation of a these categories impose outdated or indicate how they should be amended.
State member State non-mem- Federal savings State savings BHCs & FHCs
Subject National banks banks ber banks associations associations SLHCs
7. Consumer Protection 9
asabaliauskas on DSK5VPTVN1PROD with PROPOSALS
Interagency Regulations
Consumer Protec- 12 CFR Part 14 ... 12 CFR Part 208, 12 CFR Part 343 12 CFR Part 14 ... 12 CFR Part 390,
tion in Sales of Subpart H [Reg. Subpart I.
Insurance. H].
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![32050 Federal Register / Vol. 80, No. 108 / Friday, June 5, 2015 / Proposed Rules
State member State non-mem- Federal savings State savings BHCs & FHCs
Subject National banks banks ber banks associations associations SLHCs
Fair Housing .......... 12 CFR Part 27 ... ............................. 12 CFR Part 338 12 CFR Part 128 12 CFR Part 390,
(including other Subpart G.
non-discrimina-
tion require-
ments).
Loans in Identified 12 CFR Part 22 ... 12 CFR 208.25 12 CFR Part 339 12 CFR Part 172 12 CFR Part 391,
Flood Hazard [Reg. H] (See (See also pro- Subpart D (See
Areas. also proposal to posal to amend also proposal to
amend Part 208 Part 339 at 78 apply proposed
at 78 FR 65108 FR 65108 (Oct. amendments to
(Oct. 30, 2013)). 30, 2013)).. Part 339 to
state savings
associations at
78 FR 65108
(Oct. 30, 2013)).
Prohibition Against 12 CFR Part 25, 12 CFR 208.7 12 CFR Part 369 ............................. .............................
Use of Interstate Subpart E. [Reg. H].
Branches Pri-
marily for Deposit
Production.
Safeguarding Cus- 12 CFR Part 30, 12 CFR Part 208, 12 CFR Part 364, 12 CFR Part 30, 12 CFR 391.14, 12 CFR Part 225,
tomer Information. Appx. B. Appx. D–2 Appx. B. Appx. B. Appx. B. Appx. F [Reg.
[Reg. H]. Y].
Fair Credit Report- 12 CFR Part 41, 12 CFR Part 222, 12 CFR Part 334, 12 CFR Part 41, 12 CFR Part 391,
ing Act: Duties of Subpart I. Subpart I [Reg. Subpart I. Subpart I. Subpart C.
Users of Con- V].
sumer Reports
Regarding Ad-
dress Discrep-
ancies Records
Disposal.
Fair Credit Report- 12 CFR Part 41, 12 CFR Part 222, 12 CFR Part 334, 12 CFR Part 41, 12 CFR Part 391,
ing Act: Con- Subpart J. Subpart J [Reg. Subpart J. Subpart J. Subpart C.
sumer Information V].
and Identity Theft
Red Flags.
OCC Regulations
Federal Savings As- ............................. ............................. ............................. 12 CFR 163.27 ... .............................
sociation Adver-
tising.
Federal Savings As- ............................. ............................. ............................. 12 CFR 163.36 ... .............................
sociation Tying
Restriction Ex-
ception.
FDIC Regulations
State Savings Asso- ............................. ............................. ............................. ............................. 12 CFR 390.335
ciation Tying Re-
striction Excep-
tion.
Advertisement of 12 CFR Part 328 12 CFR Part 328 12 CFR Part 328 12 CFR Part 328 12 CFR Part 328
Membership. (See also 12
CFR 390.333).
Deposit Insurance 12 CFR Part 330 12 CFR Part 330 12 CFR Part 330 12 CFR Part 330 12 CFR Part 330
Coverage. (See also 12
CFR 390.231).
Certification of As- 12 CFR Part 307 12 CFR Part 307 12 CFR Part 307 12 CFR Part 307 12 CFR Part 307
sumption of De- (See also 12
asabaliauskas on DSK5VPTVN1PROD with PROPOSALS
posits and Notifi- CFR 390.332).
cation of
Changes of In-
sured Status.
8. Directors, Officers and Employees
Interagency Regulations
Disclosure of Finan- 12 CFR Part 18 ... ............................. 12 CFR Part 350 ............................. .............................
cial Information.
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![Federal Register / Vol. 80, No. 108 / Friday, June 5, 2015 / Proposed Rules 32051
State member State non-mem- Federal savings State savings BHCs & FHCs
Subject National banks banks ber banks associations associations SLHCs
Golden Parachute 12 CFR Part 359 12 CFR Part 359 12 CFR Part 359 12 CFR Part 359 12 CFR Part 359 12 CFR Part 359.
and Indemnifica- (See also 12 12 CFR Part 359.
tion Programs. CFR 145.121).
Limits on Exten- 12 CFR Part 31 ... 12 CFR Part 215 12 CFR 337.3; 12 12 CFR 163.43 ... 12 CFR 390.338
sions of Credit to [Reg. O]. CFR Part 349.
Executive Offi-
cers, Directors
and Principal
Shareholders;
Related Disclo-
sure Require-
ments.
Management Offi- 12 CFR Part 26 ... 12 CFR Part 212 12 CFR Part 348 12 CFR Part 26 ... 12 CFR Part 390, 12 CFR Part 212
cial Interlocks. [Reg. L]. Subpart V. [Reg. L].
12 CFR Part 238,
Subpart J [Reg.
LL].
OCC Regulations
National Bank Ac- 12 CFR Part 7, ............................. ............................. ............................. .............................
tivities and Oper- Subpart B.
ations—Corporate
Practices.
Federal Savings As- ............................. ............................. ............................. 12 CFR 163.33 ... .............................
sociation Board of
Directors Com-
position.
Federal Savings As- ............................. ............................. ............................. 12 CFR 163.190– .............................
sociation Bond .191.
Coverage.
Federal Savings As- ............................. ............................. ............................. 12 CFR 163.39; .............................
sociation Employ- 12 CFR 163.47;
ment Contracts, 12 CFR
Compensation, 163.161.
Pension Plans.
Federal Savings As- ............................. ............................. ............................. 12 CFR 160.130; .............................
sociation Restric- 12 CFR
tions on Trans- 163.200–.201.
actions with Offi-
cers, Directors,
and Others.
FDIC Regulations
State Savings Asso- ............................. ............................. ............................. ............................. 12 CFR 390.334
ciation Directors,
Officers, and Em-
ployees.
State Savings Asso- ............................. ............................. ............................. ............................. 12 CFR 390.356–
ciation Bond Cov- .357.
erage.
State Savings Asso- ............................. ............................. ............................. ............................. 12 CFR 390.336;
ciation Employ- 12 CFR
ment Contracts, 390.332; 12
Compensation, CFR 390.339.
Pension Plans.
State Savings Asso- ............................. ............................. ............................. ............................. 12 CFR 390.269
ciation Restric-
tions on Trans-
actions with Offi-
cers, Directors,
and Others.
asabaliauskas on DSK5VPTVN1PROD with PROPOSALS
9. Money Laundering
Interagency Regulations
Bank Secrecy Act 12 CFR Part 21, 12 CFR 208.63 12 CFR Part 326, 12 CFR 21, Sub- 12 CFR 390.354
Compliance. Subpart C. [Reg. H]. Subpart B. part C.
Reports of Crimes 12 CFR Part 21, 12 CFR 208.62– 12 CFR Part 353 12 CFR 12 CFR 390.355 12 CFR 225.4(f)
or Suspected Subpart B. .63 [Reg. H]. 163.180(d). [Reg. Y].
Crimes.
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![32052 Federal Register / Vol. 80, No. 108 / Friday, June 5, 2015 / Proposed Rules
State member State non-mem- Federal savings State savings BHCs & FHCs
Subject National banks banks ber banks associations associations SLHCs
1. Applications and Reporting
Board Regulations
Concentration Lim- 12 CFR Part 251 12 CFR Part 251 12 CFR Part 251 12 CFR Part 251 12 CFR Part 251 12 CFR Part 251
its. [Reg. XX]. [Reg. XX]. [Reg. XX]. [Reg. XX]. [Reg. XX]. [Reg. XX].
12 CFR Part 251
[Reg. XX].
2. Powers and Activities
Interagency Regulations
Proprietary Trading 12 CFR Part 44 ... 12 CFR Part 248 12 CFR Part 351 12 CFR Part 44 ... 12 CFR Part 351 12 CFR Part 248
and Relationships [Reg. VV]. [Reg. VV].
with Covered 12 CFR Part 248
Funds. [Reg. VV].
Retail Foreign Ex- 12 CFR Part 48 ... 12 CFR Part 240 12 CFR Part 349 12 CFR Part 48 ... 12 CFR Part 349 12 CFR Part 240
change Trans- [Reg. NN]. [Reg. NN].
actions.
Board Regulations
Proprietary Trading ............................. ............................. ............................. ............................. ............................. 12 CFR Part 225,
and Relationships Subpart K [Reg.
with Covered Y].
Funds. 12 CFR Part 225,
Subpart K [Reg.
Y].
3. International Operations
Board Regulations
Foreign Banking Or- ............................. ............................. ............................. ............................. ............................. 12 CFR Part 252
ganizations: Subparts L–O
Stress Tests, [Reg. YY].
Risk Committee,
and Enhanced
Prudential Stand-
ards.
Swaps Entities ....... ............................. 12 CFR Part 237 ............................. ............................. ............................. 12 CFR Part 237
[Reg. KK]. [Reg. KK].
4. Banking Operations
Board Regulations
Assessment of ............................. ............................. ............................. ............................. ............................. 12 CFR Part 246
Fees. [Reg. TT].
12 CFR Part 246
[Reg. TT].
Debit Card Inter- 12 CFR Part 235 12 CFR Part 235 12 CFR Part 235 12 CFR Part 235 12 CFR Part 235
change Fees. [Reg. II]. [Reg. II]. [Reg. II]. [Reg. II]. [Reg. II].
5. Capital
Interagency Regulations
Capital Adequacy: 12 CFR Part 3, 12 CFR Part 217, 12 CFR Part 324, 12 CFR Part 3, 12 CFR Part 324, 12 CFR Part 217,
General Ratio Subparts A–C, Subparts A–C, Subparts A–C, Subparts A–C, Subparts A–C, Subparts A–C,
and Buffers Defi- G–J. G [Reg. Q]. G. G–J. G. G [Reg. Q].
nition of Capital [Previously found [Previously found 12 CFR Part 217,
Transition. in 12 CFR Part in 12 CFR Part Subparts A–C,
325]. 390, Subpart Z]. G [Reg. Q].
Capital Adequacy: 12 CFR Part 3, 12 CFR Part 217, 12 CFR Part 324, 12 CFR Part 3, 12 CFR Part 324, 12 CFR Part 217,
Risk-Weighted Subpart D. Subpart D [Reg. Subpart D. Subpart D. Subpart D. Subpart D [Reg.
asabaliauskas on DSK5VPTVN1PROD with PROPOSALS
Assets—Stand- Q]. [Previously found [Previously found Q].
ardized Approach. in 12 CFR Part in 12 CFR Part 12 CFR Part 217,
325 Appx. A]. 390, Subpart Z, Subpart D [Reg.
Appx. A]. Q].
Capital Adequacy: 12 CFR Part 3, 12 CFR Part 217, 12 CFR Part 324, 12 CFR Part 3, 12 CFR Part 324, 12 CFR Part 217,
Risk-Weighted Subpart E. Subpart E [Reg. Subpart E. Subpart E. Subpart E. Subpart E [Reg.
Assets—Ad- Q]. [Previously found [Previously found Q].
vanced Measure- in 12 CFR Part in 12 CFR Part 12 CFR Part 217,
ment Approaches. 325 Appx. D]. 390, Subpart Z, Subpart E [Reg.
Appx. A]. Q].
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![Federal Register / Vol. 80, No. 108 / Friday, June 5, 2015 / Proposed Rules 32053
State member State non-mem- Federal savings State savings BHCs & FHCs
Subject National banks banks ber banks associations associations SLHCs
Capital Adequacy: 12 CFR Part 3, 12 CFR Part 217, 12 CFR Part 324, 12 CFR Part 3, 12 CFR Part 324, 12 CFR Part 217,
Risk-Weighted Subpart F. Subpart F [Reg. Subpart F. Subpart F. Subpart F. Subpart F [Reg.
Assets—Market Q]. [Previously found [Previously found Q].
Risk. in 12 CFR Part in 12 CFR Part 12 CFR Part 217,
325 Appx. C]. 390, Subpart Z, Subpart F [Reg.
Appx. A]. Q].
Capital Adequacy 12 CFR Part 3, 12 CFR Part 208, 12 CFR Part 324 12 CFR Part 3, 12 CFR Part 324 12 CFR Part 225,
Guidelines. Appx. A and B. Appx. A, B, and [Previously Appx. A and B. [Previously Appx. A, B, D,
E [Reg. H]. found in 12 found in 12 and E [Reg. Y].
CFR Part 325 CFR Part 390,
Appx. A–D]. Subpart Z,
Appx. A].
Prompt Corrective 12 CFR Part 6 ..... 12 CFR Part 208, 12 CFR Part 325, 12 CFR Part 6; 12 12 CFR Part 390, 12 CFR Part 208,
Action. Subpart D [Reg. Subpart B. CFR 165.8;12 Subpart Y. Subpart D [Reg.
H]; 12 CFR Part CFR 165.9. H]; 12 CFR Part
263, Subpart H. 263, Subpart H.
OCC Regulations
Annual Stress Tests 12 CFR Part 46 ... ............................. ............................. 12 CFR Part 46 ... .............................
Board Regulations
Capital Planning ..... ............................. ............................. ............................. ............................. ............................. 12 CFR Part
l225.8 [Reg. Y].
Stress Tests—U.S. ............................. 12 CFR Part 252, ............................. ............................. ............................. 12 CFR Part 252,
Organizations Subparts B, E, Subparts B, E,
Company Run and F [Reg. YY]. and F [Reg.
and Supervisory. YY].
12 CFR Part 252,
Subpart B [Reg.
YY].
FDIC Regulations
Annual Stress Tests ............................. ............................. 12 CFR Part 325, ............................. 12 CFR Part 325,
Subpart C. Subpart C.
6. Community Reinvestment Act
All rules under this category were included in the charts published in the First Notice.
7. Consumer Protection
All rules under this category were included in the charts published in the First Notice.
8. Directors, Officers, and Employees
All rules under this category were included in the charts published in the First Notice.
9. Money Laundering
All rules under this category were included in the charts published in the First Notice.
10. Rules of Procedure
FDIC Regulations
Orderly Liquidation ............................. ............................. ............................. ............................. ............................. 12 CFR Part 380.
Authority. 12 CFR Part 380.
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![32054 Federal Register / Vol. 80, No. 108 / Friday, June 5, 2015 / Proposed Rules
State member State non-mem- Federal savings State savings BHCs & FHCs
Subject National banks banks ber banks associations associations SLHCs
11. Safety and Soundness
Interagency Regulations
Appraisals: Higher- 12 CFR Part 34, 12 CFR 226.43;12 12 CFR Part 1026 12 CFR Part 34, ............................. 12 CFR 226.43;
priced Mortgages. Subpart G. CFR Part 226, [Reg. Z]. Subpart G. 12 CFR Part
Appx. N and O, 226, Appx. N
and Supp. I and O, and
[Reg. Z]. Supp. I [Reg.
Z].
12 CFR 226.43;
12 CFR Part
226, Appx. N
and O, and
Supp. I [Reg.
Z].
Credit Risk Reten- 12 CFR Part 43 ... 12 CFR Part 244 12 CFR Part 373 12 CFR Part 43 ... 12 CFR Part 373 12 CFR Part 244
tion. [Reg. RR]. [Reg. RR].
12 CFR Part 244
[Reg. RR].
Liquidity Risk .......... 12 CFR Part 50 ... 12 CFR Part 249 12 CFR Part 329 12 CFR Part 50 ... 12 CFR Part 329 12 CFR Part
[Reg. WW]. 249[Reg. WW].
12 CFR Part 249
[Reg. WW].
Resolution Plans .... ............................. ............................. ............................. ............................. ............................. 12 CFR Part 381;
12 CFR Part
243 [Reg. QQ].
FDIC Regulations
Resolution Plans .... 12 CFR Part 12 CFR Part 12 CFR Part 12 CFR Part 12 CFR Part
360.10. 360.10. 360.10. 360.10. 360.10.
OCC Regulations
Heightened Expec- 12 CFR Part 30, ............................. ............................. 12 CFR Part 30, .............................
tations Guidelines. Appx. D. Appx. D.
Board Regulations
Appraisals: Ap- ............................. 12 CFR 226.42;12 12 CFR Part 1026 ............................. ............................. 12 CFR 226.42;
praiser Independ- CFR Part 226, [Reg. Z]. 12 CFR Part
ence. Supp. I [Reg. Z]. 226, Supp. I
[Reg. Z].
12 CFR 226.42;
12 CFR Part
226, Supp. I
[Reg. Z].
Definitions related ............................. ............................. ............................. ............................. ............................. 12 CFR Part 242
to the Financial [Reg. PP].
Stability Oversight
Council.
Enhanced Pruden- ............................. ............................. ............................. ............................. ............................. 12 CFR Part 252,
tial Standards Subparts B and
Risk Committee C [Reg. YY].
Requirement (for
certain BHCs)
Standards for
BHCs with con-
solidated assets
$50 billion or
more.
Financial Market ............................. 12 CFR Part 234 ............................. ............................. .............................
Utilities. [Reg. HH].
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Securities Holding ............................. ............................. ............................. ............................. ............................. 12 CFR Part 241
Companies. [Reg. OO].
12. Securities
All rules under this category were included in the charts published in the First Notice.
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![Federal Register / Vol. 80, No. 108 / Friday, June 5, 2015 / Proposed Rules 32055
fitting and subsequent depressurization ADDRESSES section. Include ‘‘Docket No.
Dated: May 27, 2015. of the fuselage. FAA–2015–1427; Directorate Identifier
Thomas J. Curry, DATES: We must receive comments on 2013–NM–203–AD’’ at the beginning of
this proposed AD by July 20, 2015. your comments. We specifically invite
Comptroller of the Currency.
ADDRESSES: You may send comments by comments on the overall regulatory,
By order of the Board of Governors of the
any of the following methods: economic, environmental, and energy
Federal Reserve System, May 29, 2015. aspects of this proposed AD. We will
• Federal eRulemaking Portal: Go to
Michael Lewandowski, http://www.regulations.gov. Follow the consider all comments received by the
Associate Secretary of the Board. instructions for submitting comments. closing date and may amend this
Dated: May 29, 2015. • Fax: (202) 493–2251. proposed AD based on those comments.
By order of the Board of Directors. • Mail: U.S. Department of We will post all comments we
Federal Deposit Insurance Corporation. Transportation, Docket Operations, M– receive, without change, to http://
Robert E. Feldman, 30, West Building Ground Floor, Room www.regulations.gov, including any
W12–140, 1200 New Jersey Avenue SE., personal information you provide. We
Executive Secretary.
Washington, DC 20590. will also post a report summarizing each
[FR Doc. 2015–13749 Filed 6–4–15; 8:45 am]
• Hand Delivery: U.S. Department of substantive verbal contact we receive
BILLING CODE P about this proposed AD.
Transportation, Docket Operations, M–
30, West Building Ground Floor, Room Discussion
W12–140, 1200 New Jersey Avenue SE., On August 23, 1996, we issued AD
DEPARTMENT OF TRANSPORTATION
Washington, DC, between 9 a.m. and 5 96–18–06, Amendment 39–9730 (61 FR
Federal Aviation Administration p.m., Monday through Friday, except 46703, September 5, 1996). AD 96–18–
Federal holidays. 06 requires actions intended to address
14 CFR Part 39 For service information identified in an unsafe condition on certain Airbus
this proposed AD, contact Airbus, Model A320–211 and –231 airplanes.
[Docket No. FAA–2015–1427; Directorate Airworthiness Office—EIAS, 1 Rond
Identifier 2013–NM–203–AD] Since we issued AD 96–18–06,
Point Maurice Bellonte, 31707 Blagnac Amendment 39–9730 (61 FR 46703,
RIN 2120–AA64 Cedex, France; telephone +33 5 61 93 36 September 5, 1996), an extended service
96; fax +33 5 61 93 44 51; email goal analysis by the manufacturer
Airworthiness Directives; Airbus account.airworth-eas@airbus.com; revealed that the compliance times and
Airplanes Internet http://www.airbus.com. You repetitive inspection intervals must be
may view this referenced service reduced to meet the design service goal.
AGENCY: Federal Aviation information at the FAA, Transport
Administration (FAA), DOT. The European Aviation Safety Agency
Airplane Directorate, 1601 Lind Avenue (EASA), which is the Technical Agency
ACTION: Notice of proposed rulemaking SW., Renton, WA. For information on for the Member States of the European
(NPRM). the availability of this material at the Union, has issued EASA Airworthiness
FAA, call 425–227–1221. Directive 2013–0226, dated September
SUMMARY: We propose to supersede
Airworthiness Directive (AD) 96–18–06 Examining the AD Docket 23, 2013 (referred to after this as the
for certain Airbus Model A320–211 and Mandatory Continuing Airworthiness
You may examine the AD docket on Information, or ‘‘the MCAI’’), to correct
–231 airplanes. AD 96–18–06 currently the Internet at http://
requires visual inspections to detect an unsafe condition for Airbus Model
www.regulations.gov by searching for A320–211, –212, and –231 airplanes.
cracks of the pressurized floor fittings at and locating Docket No. FAA–2015–
frame (FR) 36, and renewal of the zone The MCAI states:
1427; or in person at the Docket
protective finish or replacement of During center fuselage certification full
Management Facility between 9 a.m.
fittings with new fittings if necessary. scale fatigue test, damage was found on the
and 5 p.m., Monday through Friday, pressurized floor fittings at Frame 36, below
Since we issued AD 96–18–06, an except Federal holidays. The AD docket the lower surface panel. This condition, if
extended service goal analysis by the contains this proposed AD, the not detected and corrected, could affect the
manufacturer revealed that the regulatory evaluation, any comments structural integrity of the aeroplane.
compliance times and repetitive received, and other information. The To prevent such damage, Airbus developed
inspection intervals should be reduced street address for the Docket Operations modification 21282, which was introduced in
to meet the design service goal. This office (telephone (800) 647–5527) is in production from [manufacturer serial
proposed AD would retain the number] MSN 0105, to reinforce the
the ADDRESSES section. Comments will pressurized floor fitting lower surface by
requirements of AD 96–18–06, with be available in the AD docket shortly changing material. For affected in-service
reduced compliance times and after receipt. aeroplanes, Airbus issued Service Bulletin
repetitive inspection intervals. This (SB) A320–57–1028, introducing repetitive
FOR FURTHER INFORMATION CONTACT:
proposed AD would also add Model inspections, and SB A320–57–1029, which
Sanjay Ralhan, Aerospace Engineer,
A320–212 airplanes to the applicability. provides modification instructions.
International Branch, ANM–116,
We are proposing this AD to detect and DGAC [Direction Générale de l’Aviation
Transport Airplane Directorate, FAA, Civile] France issued [an] AD * * * [for
correct fatigue cracking in the
1601 Lind Avenue SW., Renton, WA
asabaliauskas on DSK5VPTVN1PROD with PROPOSALS
pressurized floor fittings at FR 36, Model A320–111, –211, and –231 airplanes]
98057–3356; telephone 425–227–1405; to require these repetitive inspections and,
which could result in failure of a floor
fax 425–227–1149. depending on findings, corrective action(s),
9 Regulations for which rulemaking authority has SUPPLEMENTARY INFORMATION: while the modification was specified in that
AD as optional terminating action for these
transferred to the CFPB are not included in this
Consumer Protection category. As described in the
Comments Invited inspections.
Supplementary Information section of this notice, Following new analysis in the frame of
We invite you to send any written ESG (Extended Service Goal) exercise, the
the CFPB is required to review its significant rules
and publish a report of its review no later than five
relevant data, views, or arguments about inspection thresholds and intervals have
years after they take effect, in a process separate this proposed AD. Send your comments been revised to meet the original DSG
from the EGRPRA process. to an address listed under the (Design Service Goal).
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Document Created: 2015-12-15 15:20:29
Document Modified: 2015-12-15 15:20:29
| Category | Regulatory Information | |
| Collection | Federal Register | |
| sudoc Class | AE 2.7: GS 4.107: AE 2.106: | |
| Publisher | Office of the Federal Register, National Archives and Records Administration | |
| Section | Proposed Rules | |
| Action | Notice of regulatory review; request for comments. | |
| Dates | Written comments must be received by no later than September 3, 2015. | |
| Contact | OCC: Karen McSweeney, Counsel (202) 649-6295; Heidi M. Thomas, Special Counsel, (202) 649-5490; Rima Kundnani, Attorney, (202) 649-5545; for persons who are deaf or hard of hearing, TTY (202) 649-5597. | |
| FR Citation | 80 FR 32046 | |
| CFR Citation | 12 Title 12 CFR Chapter I 12 Title 12 CFR Chapter II 12 Title 12 CFR Chapter III |
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