80 FR 48417 - Request for Public Comment on the Process for Transferring my
DEPARTMENT OF THE TREASURY
Fiscal Service Federal Register Volume 80, Issue 155 (August 12, 2015)
Fiscal Service
Federal Register Volume 80, Issue 155 (August 12, 2015)
| Page Range | 48417-48419 | |
| FR Document | 2015-19798 |
[Federal Register Volume 80, Number 155 (Wednesday, August 12, 2015)] [Notices] [Pages 48417-48419] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2015-19798] [[Page 48417]] ======================================================================= ----------------------------------------------------------------------- DEPARTMENT OF THE TREASURY Fiscal Service [Docket No. FISCAL-2015-0001] Request for Public Comment on the Process for Transferring myRA[supreg] Account Balances to Private Sector Roth IRAs AGENCY: Bureau of the Fiscal Service, Fiscal Service, Treasury. ACTION: Notice and Request for Information. ----------------------------------------------------------------------- SUMMARY: The United States Department of the Treasury's Bureau of the Fiscal Service (Fiscal Service) has developed a new Treasury electronic retirement savings bond to give working individuals (particularly those not currently saving) a new opportunity to begin saving for retirement.\1\ The bond, targeted to new savers who lack access to an employer-sponsored retirement plan, is available as an investment for eligible individuals who choose to save in Roth IRAs maintained by Treasury's financial agent. A Roth IRA invested in the new bond is called a myRA[supreg] (short for my Retirement Account). Account holders can transfer their myRA account balance into a private sector Roth IRA of their choosing at any time.\2\ --------------------------------------------------------------------------- \1\ More information on myRA is available at www.myRA.gov. \2\ Some private sector IRAs have minimum initial investment requirements. --------------------------------------------------------------------------- Individuals can continue to participate in myRA until they reach the ``Transfer Threshold,'' which is the point when their account balance reaches $15,000 or they have participated in myRA for 30 years, whichever occurs first. myRA is designed to encourage new savers to develop a regular habit of saving so that they will be ready to graduate from this starter account and continue saving in the private sector for the long term. The retirement savings bond will be redeemed when the myRA account holder graduates from the starter account, the myRA account will be closed, and the account balance may be transferred (or rolled over) tax-free to a private sector Roth IRA.\3\ --------------------------------------------------------------------------- \3\ Under current tax law, Roth IRAs may be transferred or rolled over tax-free only to other Roth IRAs, not to traditional IRAs or to employer-sponsored plans. --------------------------------------------------------------------------- Treasury requests information and public comment on possible options for (1) communicating effectively with account holders about considerations and options for transferring their myRA account balances to private sector Roth IRAs, and (2) transferring the myRA account balances of account holders who do not provide transfer instructions to Treasury's financial agent by the time they reach the Transfer Threshold. DATES: Submit comments on or before Friday, October 23, 2015. ADDRESSES: See SUPPLEMENTARY INFORMATION section for further instructions on submitting comments. You may submit comments using one of the following methods:Electronic Submission: Submit electronic comments through the Federal eRulemaking Portal at www.regulations.gov. Follow the instructions on the Web site for submitting comments. Mail: Send comments to the Department of the Treasury, Bureau of the Fiscal Service, Attn: Kimberly S. Reese, 200 Third Street Room 402, Parkersburg, WV 26106. FOR FURTHER INFORMATION CONTACT: Kimberly Reese, at (304) 480-7929 or [email protected]. SUPPLEMENTARY INFORMATION: I. Background myRAs are designed to encourage more Americans to begin saving. They provide individuals--particularly those lacking access to employer-sponsored retirement plans--a simple, safe, and affordable way to save by investing in a newly-developed U.S. retirement savings bond. II. myRA Features The newly-developed retirement savings bond is the only investment that can be held by a myRA account. No fees are charged to individuals for opening and maintaining the myRA account or for investing in the retirement savings bond. Currently, account holders can fund their myRA accounts via their employers' direct deposit processes. Later in 2015, the program also will allow individuals to fund their myRA accounts directly via electronic (ACH) transfers from other accounts, such as their bank or credit union accounts. Account holders are able to manage their accounts either online or by calling a customer service center operated by Treasury's designated financial agent. To be simple and convenient for new savers, the bond has been designed as an add-on security. This means that, instead of having a fixed denomination, such as $100 or $1,000, the amount of the bond grows with contributions plus interest. Therefore, an individual may make initial and subsequent contributions in any amount (subject to the Roth IRA contribution limits), on a regular basis or from time to time, and need not acquire multiple bonds because all contributions are added to the principal amount of the bond. Because the bond is the only investment that may be held in a myRA, the total account balance of the myRA is equal to the principal amount of the bond plus the interest accrued in the account (minus any withdrawals by the account holder). The amount in the myRA account cannot go down in value (except as a result of withdrawals, transfers, or rollovers by the account holder), and is backed by the full faith and credit of the United States. The bond will continue to earn interest until the account holder redeems it, or until the bond reaches the Transfer Threshold of $15,000 or 30 years, whichever is earlier. Interest is earned at the same variable rate as securities issued to the Government Securities Investment Fund (G Fund) in the Thrift Savings Plan for federal employees. The G Fund interest rate is calculated pursuant to 5 U.S.C. 8438(e)(2), and the retirement savings bond interest rate compounds daily at \1/360\ of the annual percentage rate. Account holders can choose to transfer their myRA account balance into a private sector Roth IRA of their choosing at any time. After an individual's myRA account balance reaches the Transfer Threshold, the retirement savings bond will stop earning interest. Subsequently, the bond will be redeemed, and the myRA account will be closed. Treasury wishes to encourage individuals to proactively transfer their myRA account balances to a private sector Roth IRA at or prior to the Transfer Threshold, and to make this process of graduating to the private sector understandable and easy for account holders. Treasury recognizes that some account holders may not actively select a destination for their myRA account balances. For those myRA account holders, Treasury would like to develop appropriate procedures by which its financial agent will transfer the account holder's myRA account balance to a Roth IRA at a private sector IRA provider determined under a Treasury-approved process. Entities eligible to be designated for this purpose could potentially include any U.S. depository institution or other U.S. entity that is qualified to offer and does offer Roth IRAs. III. Sample Approaches for Transfer Process This section describes potential approaches for the transfer of myRA account balances to other Roth IRAs. Under each of these approaches there is no added cost to the U.S. government relating to the transfer of myRA account [[Page 48418]] balances to other Roth IRA providers to accept transferred myRA account balances. Furthermore, Treasury's designated financial agent will be responsible for all communication and contact with account holders during this process as well as administrative and record keeping services associated with this process. Under any of the approaches outlined below, the financial agent would notify a myRA account holder at certain times before the account is expected to reach the Transfer Threshold. Before or when the account reaches the Transfer Threshold, the account holder could instruct the financial agent to transfer his or her myRA account balance to a new or existing Roth IRA at a provider of the account holder's choosing (or could request a distribution). For account holders who do not provide instructions following the initial notice, the financial agent would follow up with an additional notice or notices requesting transfer or distribution instructions and providing information about private sector Roth IRA transfer options. An account holder who does not provide transfer instructions after reaching the Transfer Threshold would ultimately receive a notice stating that the account balance will be transferred to a specified private sector Roth IRA.\4\ Accordingly, the financial agent, pursuant to a process established by Treasury, would open a Roth IRA on behalf of the account holder at a provider designated to accept a transfer and would transfer the account holder's myRA account balance to the accepting Roth IRA provider. Both the accepting Roth IRA provider and the financial agent would notify the account holder of the transfer when it occurs. --------------------------------------------------------------------------- \4\ A transfer to the private sector would have no tax consequences for account holders and would allow them to continue to grow their retirement savings beyond myRA (unlike a distribution of the funds upon reaching the Transfer Threshold, which ordinarily would be a taxable event, depending on account holders' circumstances). --------------------------------------------------------------------------- As described below, Treasury is considering alternative possible approaches for the process of automatically transferring the myRA account balances of account holders who do not provide the financial agent with instructions. A. Rotating Approach: Allocation of Transfers Among a Number of Roth IRA Providers Determined Under a Treasury-Approved Process One approach Treasury is considering is to approve a number of specified Roth IRA providers that are willing to open and maintain Roth IRAs for myRA account holders who fail to give instructions after their myRA accounts reach the Transfer Threshold. Under this approach, the list of these Roth IRA providers would be sent to myRA account holders pursuant to one or more of the notices described above. For account holders who do not provide transfer instructions, the financial agent would transfer their myRA account balances to providers on the list on a rotating basis. For example, if there were seven providers on the list, the first account holder's account balance might be transferred to Provider A, the second account holder's account balance might be transferred to Provider B, and so forth until account balances have been transferred to all seven providers. At that point, the process would start over with the account balance for the eighth account holder being transferred to Provider A, and so forth. Account holders would be notified of the Roth IRA provider on the list to which their myRA account balance would be transferred. B. Single-Provider Approach: Allocation of Transfers to a Single Roth IRA Provider Determined Under a Treasury-Approved Process Another approach Treasury is considering is to approve a single Roth IRA provider (instead of multiple providers) that is willing to open and maintain Roth IRAs for myRA account holders who fail to give instructions after their myRA accounts reach the Transfer Threshold. C. Other Approaches Comments are invited on possible alternatives to, or variations on, the potential approaches outlined above that should be considered. IV. Request for Comments The public is invited to comment on any aspect of these possible approaches, including the specific issues listed below and suggestions or other information for the design of this process. In particular, suggestions are requested on how to provide appropriate consumer protections without imposing undue or unnecessary requirements, conditions, costs, or complexity. A. General Input Which potential approach outlined above--multiple possible default destinations or a single default destination--would result in both the best end user and the best service provider experience? What are the inherent risks and benefits of the potential approaches outlined above from an end user as well as a service provider perspective? B. Notification and Education Questions What are the key topics, messages, and information Treasury should provide to account holders about their options, and about saving for retirement more generally, when they are considering the transfer of their account balances? When and in what form should these communications and related retirement savings education occur? How can Treasury make the best use of myRA as an opportunity to promote financial capability and literacy and financial education? How far in advance, how often, and in what form (e.g., email, mailed notification, telephone calls, text messages) should the financial agent notify myRA account holders of the approaching Transfer Threshold, and how and in what form should account holders be notified that their account balances have been automatically transferred? As part of the notification process under either scenario described above, should the financial agent include a list of available Roth IRA providers to help account holders choose their own Roth IRA providers, in addition to a list of the providers selected to receive automatic transfers of myRA account balances? [cir] If so, what eligibility criteria should Treasury consider in selecting providers to be on that potentially broader list of Roth IRA providers? How should the eligibility criteria be similar to or different from the eligibility criteria for a provider to accept automatically-transferred accounts? [cir] What information about each provider and its IRAs, investments, and services (and the associated fees and expenses) should be provided? Should the information about different providers be made readily comparable and, if so, how? Should a Treasury-provided internet portal be made available (or be linked to) for this purpose? To what extent could or should Treasury partner with outside organizations or use other means of communication besides direct contact from the financial agent to promote awareness of the Transfer Threshold and transfer options? Specific examples are requested, together with explanations as to why they would be effective. C. Automatic Transfer Process Questions As part of the process for opening a myRA account, the designated financial agent obtains a customer's [[Page 48419]] consent to automatically transfer the myRA account balance and related account and personal information to another Roth IRA provider if the myRA account reaches the Transfer Threshold without transfer or distribution instructions from the account holder. Will Roth IRA providers be comfortable opening accounts on this basis? What eligibility criteria should Treasury consider in selecting providers to receive automatic transfers? Should Treasury impose any specific guidelines or conditions on providers? If so, what types of guidelines or conditions should there be? How long should they remain in effect or should they be indefinite? Is there a particular number of Roth IRA providers that should be selected among those that are willing to accept automatic transfers of myRA account balances? How would the number of providers on the list affect the willingness of potential providers to participate as recipients of automatic transfers? What factors are likely to make a Roth IRA provider willing (or unwilling) to be selected to receive automatically transferred myRA account balances? Are there potential requirements that would discourage Roth IRA providers from choosing to be on the list of institutions that accept automatically transferred myRA account balances? Are there potential circumstances that would cause providers to wish to decline receipt of an automatically transferred myRA account? If there are multiple providers receiving automatically transferred myRA account balances, how should accounts be transferred to providers? D. Automatic Transfer Provider Fee Structure Questions Should Treasury establish guidelines for the types and/or amounts of fees or other charges that providers that accept automatic transfers may charge the account holder? If so, how? What types and levels of fees or other charges should be permitted? How should they be disclosed? How would any such guidelines affect the willingness of such providers to participate? Should any such guidelines require that all such providers charge the same fees, or should varying fees be permitted? E. Automatic Transfer Investment Offering Questions What types of investment options should providers that accept automatic transfers be permitted or required to offer, and what policies, fees, or determining factors should be considered? Should these or other providers be required to provide a default investment option for automatically transferred accounts, and, if so, what should that default investment option be (for example, a target date fund)? Should the default investment be different depending upon the characteristics (e.g., age or account balance size) of a particular account holder? Should providers be required to offer alternative investment options in addition to a default option? If so, should there be specific criteria for the types of alternative investment options, for example having at least one ``safe'' (principal-protected) alternative investment option? F. Other Questions Are there key or unique features of myRA that Treasury should consider when selecting providers or that could present a challenge in the context of transfers to the private sector? What other operational, legal, or regulatory issues should Treasury be aware of or take into consideration in developing a myRA account balances transfer process? V. Comments Instructions Comments should refer to docket number FISCAL-2015-0001, and should also include (1) the supporting rationale; and (2) alternative approaches, if any, that should be considered, including specific examples and options. All comments received will become part of this docket, and in general, will be published on www.regulations.gov without change, including any business or personal information provided. You should only submit information that you wish to make publicly available. Comments received will also be available for public inspection and copying at the Treasury Department Library, Main Treasury Building, 1500 Pennsylvania Avenue NW., Washington, DC 20220. To visit the library, call (202) 622-0990 for an appointment. Authority: 31 CFR part 347. Dated: August 6, 2015. David A. Lebryk, Fiscal Assistant Secretary. [FR Doc. 2015-19798 Filed 8-11-15; 8:45 am] BILLING CODE 4810-AS-P
![Federal Register / Vol. 80, No. 155 / Wednesday, August 12, 2015 / Notices 48417
DEPARTMENT OF THE TREASURY who do not provide transfer instructions the principal amount of the bond.
to Treasury’s financial agent by the time Because the bond is the only investment
Fiscal Service they reach the Transfer Threshold. that may be held in a myRA, the total
[Docket No. FISCAL–2015–0001] DATES: Submit comments on or before account balance of the myRA is equal to
Friday, October 23, 2015. the principal amount of the bond plus
Request for Public Comment on the ADDRESSES: See SUPPLEMENTARY the interest accrued in the account
Process for Transferring myRA® INFORMATION section for further (minus any withdrawals by the account
Account Balances to Private Sector instructions on submitting comments. holder).
Roth IRAs The amount in the myRA account
You may submit comments using one of
cannot go down in value (except as a
AGENCY: Bureau of the Fiscal Service, the following methods:
• Electronic Submission: Submit result of withdrawals, transfers, or
Fiscal Service, Treasury. rollovers by the account holder), and is
electronic comments through the
ACTION: Notice and Request for
Federal eRulemaking Portal at backed by the full faith and credit of the
Information. United States. The bond will continue
www.regulations.gov. Follow the
to earn interest until the account holder
SUMMARY: The United States Department instructions on the Web site for
redeems it, or until the bond reaches the
of the Treasury’s Bureau of the Fiscal submitting comments.
• Mail: Send comments to the Transfer Threshold of $15,000 or 30
Service (Fiscal Service) has developed a years, whichever is earlier. Interest is
new Treasury electronic retirement Department of the Treasury, Bureau of
earned at the same variable rate as
savings bond to give working the Fiscal Service, Attn: Kimberly S.
securities issued to the Government
individuals (particularly those not Reese, 200 Third Street Room 402,
Securities Investment Fund (G Fund) in
currently saving) a new opportunity to Parkersburg, WV 26106.
the Thrift Savings Plan for federal
begin saving for retirement.1 The bond, FOR FURTHER INFORMATION CONTACT: employees. The G Fund interest rate is
targeted to new savers who lack access Kimberly Reese, at (304) 480–7929 or calculated pursuant to 5 U.S.C.
to an employer-sponsored retirement kimberly.reese@fiscal.treasury.gov. 8438(e)(2), and the retirement savings
plan, is available as an investment for SUPPLEMENTARY INFORMATION: bond interest rate compounds daily at
eligible individuals who choose to save 1⁄360 of the annual percentage rate.
I. Background
in Roth IRAs maintained by Treasury’s Account holders can choose to
financial agent. A Roth IRA invested in myRAs are designed to encourage transfer their myRA account balance
the new bond is called a myRA® (short more Americans to begin saving. They into a private sector Roth IRA of their
for my Retirement Account). Account provide individuals—particularly those choosing at any time. After an
holders can transfer their myRA account lacking access to employer-sponsored individual’s myRA account balance
balance into a private sector Roth IRA retirement plans—a simple, safe, and reaches the Transfer Threshold, the
of their choosing at any time.2 affordable way to save by investing in a retirement savings bond will stop
Individuals can continue to newly-developed U.S. retirement earning interest. Subsequently, the bond
participate in myRA until they reach the savings bond. will be redeemed, and the myRA
‘‘Transfer Threshold,’’ which is the II. myRA Features account will be closed. Treasury wishes
point when their account balance to encourage individuals to proactively
reaches $15,000 or they have The newly-developed retirement transfer their myRA account balances to
participated in myRA for 30 years, savings bond is the only investment that a private sector Roth IRA at or prior to
whichever occurs first. myRA is can be held by a myRA account. No fees the Transfer Threshold, and to make
designed to encourage new savers to are charged to individuals for opening this process of graduating to the private
develop a regular habit of saving so that and maintaining the myRA account or sector understandable and easy for
they will be ready to graduate from this for investing in the retirement savings account holders.
starter account and continue saving in bond. Currently, account holders can Treasury recognizes that some
the private sector for the long term. The fund their myRA accounts via their account holders may not actively select
retirement savings bond will be employers’ direct deposit processes. a destination for their myRA account
redeemed when the myRA account Later in 2015, the program also will balances. For those myRA account
holder graduates from the starter allow individuals to fund their myRA holders, Treasury would like to develop
account, the myRA account will be accounts directly via electronic (ACH) appropriate procedures by which its
closed, and the account balance may be transfers from other accounts, such as financial agent will transfer the account
transferred (or rolled over) tax-free to a their bank or credit union accounts. holder’s myRA account balance to a
private sector Roth IRA.3 Account holders are able to manage Roth IRA at a private sector IRA
Treasury requests information and their accounts either online or by calling provider determined under a Treasury-
public comment on possible options for a customer service center operated by approved process. Entities eligible to be
(1) communicating effectively with Treasury’s designated financial agent. designated for this purpose could
account holders about considerations To be simple and convenient for new potentially include any U.S. depository
and options for transferring their myRA savers, the bond has been designed as institution or other U.S. entity that is
account balances to private sector Roth an add-on security. This means that, qualified to offer and does offer Roth
IRAs, and (2) transferring the myRA instead of having a fixed denomination, IRAs.
account balances of account holders such as $100 or $1,000, the amount of
III. Sample Approaches for Transfer
mstockstill on DSK4VPTVN1PROD with NOTICES
the bond grows with contributions plus
1 More interest. Therefore, an individual may Process
information on myRA is available at
www.myRA.gov. make initial and subsequent This section describes potential
2 Some private sector IRAs have minimum initial
contributions in any amount (subject to approaches for the transfer of myRA
investment requirements. the Roth IRA contribution limits), on a account balances to other Roth IRAs.
3 Under current tax law, Roth IRAs may be
transferred or rolled over tax-free only to other Roth
regular basis or from time to time, and Under each of these approaches there is
IRAs, not to traditional IRAs or to employer- need not acquire multiple bonds no added cost to the U.S. government
sponsored plans. because all contributions are added to relating to the transfer of myRA account
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![Federal Register / Vol. 80, No. 155 / Wednesday, August 12, 2015 / Notices 48419
consent to automatically transfer the offer, and what policies, fees, or DEPARTMENT OF VETERANS
myRA account balance and related determining factors should be AFFAIRS
account and personal information to considered?
another Roth IRA provider if the myRA • Should these or other providers be Enhanced-Use Lease of Department of
account reaches the Transfer Threshold required to provide a default investment Veterans Affairs (VA) Real Property for
without transfer or distribution the Development of a Housing Facility
option for automatically transferred
instructions from the account holder. on One Parcel of Land Totaling
accounts, and, if so, what should that
Will Roth IRA providers be comfortable Approximately 5.4 Acres of Land in
opening accounts on this basis? default investment option be (for
example, a target date fund)? Grand Island, Nebraska
• What eligibility criteria should
Treasury consider in selecting providers • Should the default investment be AGENCY: Department of Veterans Affairs.
to receive automatic transfers? different depending upon the
• Should Treasury impose any characteristics (e.g., age or account ACTION: Amended notice of intent to
specific guidelines or conditions on balance size) of a particular account enter into an amended Enhanced-Use
providers? If so, what types of holder? Lease (EUL).
guidelines or conditions should there
• Should providers be required to
be? How long should they remain in SUMMARY: The Secretary of VA intends
offer alternative investment options in
effect or should they be indefinite? to amend the scope and terms of an
• Is there a particular number of Roth addition to a default option? If so,
existing EUL that was entered into
IRA providers that should be selected should there be specific criteria for the
during the month of December 2011,
among those that are willing to accept types of alternative investment options,
totaling approximately 4.6 acres of land,
automatic transfers of myRA account for example having at least one ‘‘safe’’
for the purpose of constructing and
balances? (principal-protected) alternative
developing 102 units of supportive
• How would the number of investment option?
housing for Veterans. Since that time
providers on the list affect the market conditions have changed making
F. Other Questions
willingness of potential providers to the original scope infeasible. This notice
participate as recipients of automatic • Are there key or unique features of provides details on the current scope
transfers? myRA that Treasury should consider
• What factors are likely to make a and terms of the proposed amended
when selecting providers or that could EUL. The EUL lessee will finance,
Roth IRA provider willing (or unwilling) present a challenge in the context of
to be selected to receive automatically design, develop, manage, maintain and
transfers to the private sector? operate up to 78 units of housing for
transferred myRA account balances?
• Are there potential requirements • What other operational, legal, or eligible Veterans, on approximately 5.4
that would discourage Roth IRA regulatory issues should Treasury be acres of land in one or more phases at
providers from choosing to be on the list aware of or take into consideration in the Grand Island VAMC campus for
of institutions that accept automatically developing a myRA account balances eligible homeless Veterans, and
transferred myRA account balances? transfer process? Veterans at risk of homelessness, on a
• Are there potential circumstances priority placement basis, and provide
that would cause providers to wish to V. Comments Instructions
supportive services that guide resident
decline receipt of an automatically Comments should refer to docket Veterans toward attaining long-term
transferred myRA account? number FISCAL–2015–0001, and self-sufficiency.
• If there are multiple providers should also include (1) the supporting
receiving automatically transferred FOR FURTHER INFORMATION CONTACT:
rationale; and (2) alternative Edward L. Bradley III, Office of Asset
myRA account balances, how should
approaches, if any, that should be Enterprise Management (044),
accounts be transferred to providers?
considered, including specific examples Department of Veterans Affairs, 810
D. Automatic Transfer Provider Fee and options. All comments received Vermont Avenue NW., Washington, DC
Structure Questions will become part of this docket, and in 20420, (202) 461–7778.
• Should Treasury establish general, will be published on
guidelines for the types and/or amounts www.regulations.gov without change, SUPPLEMENTARY INFORMATION: As
of fees or other charges that providers including any business or personal required under Section 211(b)(2)(B) of
that accept automatic transfers may information provided. You should only Public Law 112–154, this amended EUL
charge the account holder? If so, how? submit information that you wish to will adhere to the prior version of VA’s
What types and levels of fees or other make publicly available. Comments EUL statute dated as of December 30,
charges should be permitted? How received will also be available for public 2011.
should they be disclosed? inspection and copying at the Treasury Signing Authority
• How would any such guidelines Department Library, Main Treasury
affect the willingness of such providers Building, 1500 Pennsylvania Avenue The Secretary of Veterans Affairs, or
to participate? NW., Washington, DC 20220. To visit designee, approved this document and
• Should any such guidelines require the library, call (202) 622–0990 for an authorized the undersigned to sign and
that all such providers charge the same appointment. submit the document to the Office of the
mstockstill on DSK4VPTVN1PROD with NOTICES
fees, or should varying fees be Federal Register for publication
permitted? Authority: 31 CFR part 347.
electronically as an official document of
E. Automatic Transfer Investment Dated: August 6, 2015. the Department of Veterans Affairs.
Offering Questions David A. Lebryk, Robert A. McDonald, Secretary of
• What types of investment options Fiscal Assistant Secretary. Veterans Affairs, approved this
should providers that accept automatic [FR Doc. 2015–19798 Filed 8–11–15; 8:45 am] document on August 7, 2015 for
transfers be permitted or required to BILLING CODE 4810–AS–P publication.
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Document Created: 2016-09-27 22:27:16
Document Modified: 2016-09-27 22:27:16
| 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 | Notices | |
| Action | Notice and Request for Information. | |
| Dates | Submit comments on or before Friday, October 23, 2015. | |
| Contact | Kimberly Reese, at (304) 480-7929 or [email protected] | |
| FR Citation | 80 FR 48417 |
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