80_FR_8010 80 FR 7980 - Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996

80 FR 7980 - 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 30 (February 13, 2015)

Page Range7980-7986
FR Document2015-02998

The OCC, Board, and FDIC (we or Agencies) are conducting a review of the regulations we have issued in order to identify outdated or otherwise unnecessary regulatory requirements imposed on insured depository institutions, as required by the Economic Growth and Regulatory Paperwork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). In this notice, the Agencies are seeking public comment on regulations in the following categories: Banking Operations, Capital, and the Community Reinvestment Act.

Federal Register, Volume 80 Issue 30 (Friday, February 13, 2015) 
[Federal Register Volume 80, Number 30 (Friday, February 13, 2015)]
[Proposed Rules]
[Pages 7980-7986]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2015-02998]


========================================================================
Proposed Rules
                                                Federal Register
________________________________________________________________________

This section of the FEDERAL REGISTER contains notices to the public of 
the proposed issuance of rules and regulations. The purpose of these 
notices is to give interested persons an opportunity to participate in 
the rule making prior to the adoption of the final rules.

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Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / 
Proposed Rules

[[Page 7980]]



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.

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SUMMARY: The OCC, Board, and FDIC (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). In this notice, 
the Agencies are seeking public comment on regulations in the following 
categories: Banking Operations, Capital, and the Community Reinvestment 
Act.

DATES: Written comments must be received by no later than May 14, 2015.

ADDRESSES: Comments may be submitted through the Federal eRulemaking 
Portal: ``Regulations.gov.'' You can reach this portal through the 
Agencies' EGRPRA Web site, http://egrpra.ffiec.gov. On this site, click 
``Submit a Comment'' and follow the instructions. Alternatively, go to 
http://www.regulations.gov, enter ``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 
below.
OCC:
    We encourage 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
    We encourage 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 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 
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 at 20th and Constitution Avenue NW., Washington, DC 20551. 
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
    We encourage 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

[[Page 7981]]

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. (EST).
    We 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. (EST) 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 Thomas, Special 
Counsel (202) 649-6286; for persons who are deaf or hard of hearing, 
TTY (202) 649-5597.
    Board: Walter McEwen, Senior Counsel (202) 452-3321; Claudia Von 
Pervieux, Counsel (202) 452-2552; Matthew Bornfreund, Attorney (202) 
452-3818; for persons who are deaf or hard of hearing, TDD (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 (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\ 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, 
therefore, the Agencies might eliminate.
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    \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 
ten 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.
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    The EGRPRA review also provides the Agencies and the public with an 
opportunity to consider how to reduce burden in general, but especially 
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 be consistent with the Agencies' statutory 
mandates, many of which require the issuance of regulations. This 
includes 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 also consider the burden 
imposed 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 have 
grouped these regulations into the following 12 regulatory categories:
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    \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. 
These regulations impose minimal, if any, burden on insured 
depository institutions. Furthermore, we have not included in this 
review those rules that will go into effect during the EGRPRA 
review, new regulations that have only recently gone into effect, or 
rules that we have yet to fully implement. As previously noted, the 
Agencies were required to take burden into account in adopting these 
regulations.
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    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.
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    \6\ The Agencies are seeking comment only on those consumer 
protection regulations for which they 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).
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    To carry out the EGRPRA review, the Agencies plan to 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\ Today, we are 
publishing the second notice, addressing the Banking Operations, 
Capital, and the Community Reinvestment Act categories of regulations. 
We invite the public to identify outdated, otherwise unnecessary, or 
unduly burdensome regulatory requirements imposed on insured depository 
institutions and their

[[Page 7982]]

holding companies in these three categories.
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    \7\ 79 FR 32172 (First Notice).
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    To assist the public's understanding of how we have organized the 
EGRPRA review, the Agencies have included a table in Section IV that 
lists the three categories of regulations for which we are requesting 
comments. On the table, the left column divides the categories into 
specific subject-matter areas. The headings at the top of the table 
identify the types of institutions affected by the regulations.
    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 a single 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.\8\ More 
information about the outreach meetings can be found on the Agencies' 
EGRPRA Web site, http://egrpra.ffiec.gov.
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    \8\ See 79 FR 70474 (Nov. 26, 2014).
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    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. Public Response to the First Notice

    In response to the First Notice, the Agencies received 
approximately 40 comments from financial institutions, industry trade 
groups, consumer advocacy groups, and other members of the public. The 
Agencies will carefully consider those comments, including the issues 
raised and the suggestions made, and discuss them in the EGRPRA report 
to Congress and as part of any rulemaking to which they relate.
    In addition to comments regarding the regulations contained in the 
First Notice, the Agencies also received comments about the EGRPRA 
Review Process. First, we received comments concerning which of the 
Agencies' rules are included in the review. As explained above, we have 
not included in this review those rules that will go into effect during 
the EGRPRA review, new regulations that have only recently gone into 
effect, or rules that we have yet to implement fully. The Agencies 
consider burden when adopting regulations. In addition, the Agencies, 
financial institutions, and the public need the benefit of experience 
with these regulations in order to assess their effect on insured 
depository institutions.
    We also received comments on which agencies participate in the 
EGRPRA review. As explained above, only the OCC, Board, and FDIC are 
statutorily required to undertake this review. Although other agencies 
may undertake regulatory reviews, those reviews are separate and 
distinct from this review. Finally, we received comments about whether 
the consumer regulations transferred to the CFPB by the Dodd-Frank Act 
are included in the EGRPRA review. The Agencies will seek comment only 
on those consumer regulations for which they retain rulemaking 
authority following passage of the Dodd-Frank Act, such as the fair 
housing advertising and recordkeeping, flood insurance, safeguarding 
customer information, and identity theft rules.\9\
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    \9\ 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.
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IV. Request for Burden Reduction Comments on Regulations in the Banking 
Operations, Capital, and the Community Reinvestment Act Categories

    As noted previously, the Agencies are asking the public to comment 
on regulations in the Banking Operations, Capital, and the Community 
Reinvestment Act 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 to 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.
    The Agencies note that recently promulgated rules \10\ amended, 
directly or by reference, several rules listed in the Capital category 
of the table published with the First Notice. The changes either went 
into effect in 2014 or will go into effect during 2015. Consistent with 
the above-described EGRPRA Review Process,\11\ the Capital category in 
the table clarifies the specific regulations on which we are requesting 
comment. Where the table in the First Notice listed general subject-
matter areas in the Capital category, the table in this notice provides 
citations to the specific sections that the Agencies are including in 
this review.
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    \10\ 78 FR 62017 (Oct. 11, 2013) (Agencies jointly); 79 FR 71630 
(Dec. 3, 2014) (OCC); 79 FR 69365 (Nov. 21, 2014) (FDIC); 79 FR 
64026 (Oct. 27, 2014) (Board). These regulations include capital 
adequacy, prompt corrective action, implementation of Basel III, 
standardized and risk-based approaches, market risk, and stress 
testing.
    \11\ See supra note 5, at 8.
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    Specific issues for commenters to consider. The Agencies 
specifically invite comment on the following issues as they pertain to 
the Agencies' Banking Operations, Capital, and Community Reinvestment 
Act 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

[[Page 7983]]

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 they are 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.
BILLING CODE 6510-01-P

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[GRAPHIC] [TIFF OMITTED] TP13FE15.002

     
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    \12\ On Dec. 18, 2014, the OCC issued an interim final rule with 
request for comment (IFR) amending 12 CFR 5.47. 79 FR 75417. The 
effective date of the IFR was Jan. 1, 2015. In an effort to provide 
the fullest opportunity for public comment, the OCC invites comment 
on the IFR through both the process outlined in the IFR and the 
EGRPRA Review Process outlined above.

    Dated: January 20, 2015.
Thomas J. Curry,
Comptroller of the Currency.
    By order of the Board of Governors of the Federal Reserve 
System, February 6, 2015.
Robert DeV. Frierson,
Secretary of the Board.
    Dated: January 21, 2015.

    By order of the Board of Directors.

    Federal Deposit Insurance Corporation.
Robert E. Feldman,
Executive Secretary.
[FR Doc. 2015-02998 Filed 2-12-15; 8:45 am]
BILLING CODE 4810-33-P; 6510-01-P; 6714-01-C

7980 Proposed Rules Federal Register Vol. 80, No. 30 Friday, February 13, 2015 This section of the FEDERAL REGISTER instructions. Alternatively, go to http:// • Agency Web site: http:// contains notices to the public of the proposed www.regulations.gov, enter ‘‘FFIEC– www.federalreserve.gov/apps/foia/ issuance of rules and regulations. The 2014–0001’’ in the Search Box, click proposedregs.aspx. Follow the purpose of these notices is to give interested ‘‘Search,’’ and click ‘‘Comment Now.’’ instructions for submitting comments persons an opportunity to participate in the Those who wish to submit their on the Agency Web site. rule making prior to the adoption of the final • Federal eRulemaking Portal, in comments by an alternate means may do rules. so as indicated below. accordance with the directions above. • Email: regs.comments@ OCC: federalreserve.gov. Include ‘‘EGRPRA’’ DEPARTMENT OF THE TREASURY We encourage commenters to submit and Docket No. R–1510 in the subject Office of the Comptroller of the comments through the Federal line of the message. Currency eRulemaking Portal, Regulations.gov, in • FAX: (202) 452–3819. accordance with the previous • Mail: Robert deV. Frierson, 12 CFR Chapter I paragraph. Alternatively, comments Secretary, Board of Governors of the may be emailed to regs.comments@ Federal Reserve System, 20th Street and [Docket ID FFIEC–2014–0001 occ.treas.gov or sent by mail to Constitution Avenue NW., Washington, Legislative and Regulatory Activities DC 20551. FEDERAL RESERVE SYSTEM Division, Office of the Comptroller of In general, the Board will enter all the Currency, Mail Stop 9W–11, 400 7th comments received into the docket and 12 CFR Chapter II Street SW., Washington, DC 20219. publish them without change on [Docket No. R–1510] Comments also may be faxed to (571) Regulations.gov. Comments received, 465–4326 or hand delivered or sent by including attachments and other FEDERAL DEPOSIT INSURANCE courier to 400 7th Street SW., supporting materials, as well as any CORPORATION Washington, DC 20219. For comments business or personal information you submitted by any means other than provide, such as your name and 12 CFR Chapter III Regulations.gov, you must include address, email address, or phone ‘‘OCC’’ as the agency name and ‘‘Docket number, are part of the public record Regulatory Publication and Review ID FFIEC–2014–0001’’ in your and subject to public disclosure. Under the Economic Growth and comment. Therefore, please do not enclose any Regulatory Paperwork Reduction Act In general, the OCC will enter all information with your comment or of 1996 comments received into the docket and supporting materials that you consider AGENCY: Office of the Comptroller of the publish them without change on confidential or inappropriate for public Currency (OCC), Treasury; Board of Regulations.gov. Comments received, disclosure. Governors of the Federal Reserve including attachments and other You may inspect and photocopy in System (Board); and Federal Deposit supporting materials, as well as any person all comments received by the Insurance Corporation (FDIC). business or personal information you Board at 20th and Constitution Avenue provide, such as your name and NW., Washington, DC 20551. For ACTION: Notice of regulatory review; address, email address, or phone security reasons, the Board requires that request for comments. number, are part of the public record visitors make an appointment to inspect SUMMARY: The OCC, Board, and FDIC and subject to public disclosure. comments. You may make an (we or Agencies) are conducting a Therefore, please do not include any appointment by calling (202) 452–3000. review of the regulations we have issued information with your comment or Upon arrival, visitors will be required to in order to identify outdated or supporting materials that you consider present valid government-issued photo otherwise unnecessary regulatory confidential or inappropriate for public identification and submit to a security requirements imposed on insured disclosure. screening. depository institutions, as required by You may inspect and photocopy in person all comments received by the FDIC the Economic Growth and Regulatory OCC at 400 7th Street SW., Washington, We encourage commenters to submit Paperwork Reduction Act of 1996 DC 20219. For security reasons, the OCC comments through the Federal (EGRPRA). In this notice, the Agencies requires that visitors make an eRulemaking Portal, ‘‘Regulations.gov,’’ are seeking public comment on appointment to inspect or photocopy in accordance with the directions above. regulations in the following categories: comments. You may make an Alternatively, you may submit Banking Operations, Capital, and the appointment by calling (202) 649–6700. comments by any of the following Community Reinvestment Act. Upon arrival, visitors will be required to methods: wreier-aviles on DSK5TPTVN1PROD with PROPOSALS DATES: Written comments must be present valid government-issued photo • Agency Web site: http:// received by no later than May 14, 2015. identification and submit to a security www.fdic.gov/regulations/laws/federal. ADDRESSES: Comments may be screening. Follow instructions for submitting submitted through the Federal comments on the Agency Web site. eRulemaking Portal: ‘‘Regulations.gov.’’ Board • Email: Comments@FDIC.gov. You can reach this portal through the We encourage commenters to submit Include ‘‘EGRPRA’’ in the subject line of Agencies’ EGRPRA Web site, http:// comments regarding the Board’s the message. egrpra.ffiec.gov. On this site, click regulations by any of the following • Mail: Robert E. Feldman, Executive ‘‘Submit a Comment’’ and follow the methods: Secretary, Attention: Comments, Federal VerDate Sep<11>2014 13:53 Feb 12, 2015 Jkt 235001 PO 00000 Frm 00001 Fmt 4702 Sfmt 4702 E:\FR\FM\13FEP1.SGM 13FEP1

Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / Proposed Rules 7981 Deposit Insurance Corporation, 550 17th identify outdated or otherwise rule. For example, under the Paperwork Street NW., Washington, DC 20429. unnecessary requirements imposed on Reduction Act of 1995 and the • Hand Delivery/Courier: Guard insured depository institutions.4 The Regulatory Flexibility Act, the Agencies station at the rear of the 550 17th Street EGRPRA regulatory review provides an assess each rulemaking with respect to Building (located on F Street) on opportunity for the public and the the burdens the rule might impose. business days between 7 a.m. and 5 p.m. Agencies to look at groups of related Furthermore, we invite the public to (EST). regulations and to identify opportunities comment on every rule we propose, as We will post all comments received to for burden reduction. For example, the required by the Administrative http://www.fdic.gov/regulations/laws/ EGRPRA review may facilitate the Procedure Act (APA). federal without change, including any identification of statutes and regulations personal information provided. II. The EGRPRA Review Process that share similar goals or Comments may be inspected and complementary methods where one or Taken together for purposes of photocopied in the FDIC Public more Agencies could eliminate EGRPRA, the Agencies’ regulations Information Center, 3501 North Fairfax overlapping requirements. covering insured depository institutions Drive, Room E–1002, Arlington, VA Alternatively, commenters may identify encompass more than 100 subjects.5 22226, between 9 a.m. and 5 p.m. (EST) regulations or statutes that impose Consistent with the EGRPRA statute, the on business days. Paper copies of public requirements that are no longer Agencies have grouped these comments may be ordered from the consistent with the way that business is regulations into the following 12 Public Information Center by calling conducted and that, therefore, the regulatory categories: (877) 275–3342. Agencies might eliminate. Applications and Reporting; Banking FOR FURTHER INFORMATION CONTACT: The EGRPRA review also provides the Operations; Capital; Community OCC: Karen McSweeney, Counsel Agencies and the public with an Reinvestment Act; Consumer (202) 649–6295; Heidi Thomas, Special opportunity to consider how to reduce Protection;6 Directors, Officers and Counsel (202) 649–6286; for persons burden in general, but especially on Employees; International Operations; who are deaf or hard of hearing, TTY community banks and other small, Money Laundering; Powers and (202) 649–5597. insured depository institutions or Activities; Rules of Procedure; Safety Board: Walter McEwen, Senior holding companies. We are keenly and Soundness; and Securities. To Counsel (202) 452–3321; Claudia Von aware of the role that these institutions determine these categories, we divided Pervieux, Counsel (202) 452–2552; play in providing consumers and the regulations by type and sought to Matthew Bornfreund, Attorney (202) businesses across the nation with have no category be too large or broad. 452–3818; for persons who are deaf or essential financial services and access to To carry out the EGRPRA review, the hard of hearing, TDD (202) 263–4869. credit, and we are concerned about the Agencies plan to publish four Federal FDIC: Ruth R. Amberg, Assistant impact of regulatory burden on these Register notices, each addressing one or General Counsel (202) 898–3736; Ann smaller institutions. We understand that more categories of rules. Each Federal Taylor, Supervisory Counsel (202) 898– Register notice will have a 90-day when an Agency issues a new regulation 3573; for persons who are deaf or hard comment period. On June 4, 2014, the or amends a current regulation, smaller of hearing, TTY (800) 925–4618. Agencies published the first such institutions may have to devote SUPPLEMENTARY INFORMATION: notice, seeking comment on three considerable resources to determine if categories of rules: Applications and I. Introduction and how the regulation will affect them. Reporting, Powers and Activities, and Through the public comment process, Section 2222 of EGRPRA 1 requires International Operations.7 Today, we the EGRPRA review can help the that not less frequently than once every are publishing the second notice, Agencies identify and target regulatory 10 years, the Federal Financial addressing the Banking Operations, changes to reduce unnecessary burden Institutions Examination Council Capital, and the Community on these smaller institutions. Reinvestment Act categories of (FFIEC),2 along with the Agencies,3 Burden reduction must be consistent conduct a review of their regulations to regulations. We invite the public to with the Agencies’ statutory mandates, identify outdated, otherwise many of which require the issuance of 1 Public Law 104–208 (1996), codified at 12 unnecessary, or unduly burdensome U.S.C. 3311. regulations. This includes ensuring the regulatory requirements imposed on 2 The FFIEC is an interagency body empowered safety and soundness of insured insured depository institutions and their to prescribe uniform principles, standards, and depository institutions, their affiliates, report forms for the Federal examination of and the financial system as a whole. 5 Consistent with EGRPRA’s focus on reducing financial institutions and to make recommendations to promote uniformity in the supervision of EGRPRA recognizes that effective burden on insured depository institutions, the financial institutions. The FFIEC does not issue burden reduction may require Agencies have not included their internal, regulations that impose burden on financial legislative change. Accordingly, as part organizational, or operational regulations in this institutions and, therefore, we have not separately of this review, we specifically ask the review. These regulations impose minimal, if any, captioned the FFIEC in this notice. burden on insured depository institutions. 3 The FFIEC is comprised of the OCC, Board, public to comment on the relationships Furthermore, we have not included in this review FDIC, National Credit Union Administration among burden reduction, regulatory those rules that will go into effect during the (NCUA), Consumer Financial Protection Bureau requirements, and statutory mandates. EGRPRA review, new regulations that have only (CFPB), and State Liaison Committee. Of these, only In addition, we note that the Agencies recently gone into effect, or rules that we have yet the OCC, Board, and FDIC are statutorily required to fully implement. As previously noted, the also consider the burden imposed each wreier-aviles on DSK5TPTVN1PROD with PROPOSALS to undertake the EGRPRA review. The NCUA Agencies were required to take burden into account elected to participate in the first EGRPRA review time we propose, adopt, or amend a in adopting these regulations. 6 The Agencies are seeking comment only on ten years ago, and the NCUA Board again has elected to participate in this review process. 4 Insured depository institutions also are subject those consumer protection regulations for which Consistent with its approach during the first to regulations that are not required to be reviewed they retain rulemaking authority for insured EGRPRA review, NCUA will separately issue under the EGRPRA process. Examples include rules depository institutions, and regulated holding notices and requests for comment on its rules. The for which rulemaking authority has transferred to companies following passage of section 1061 of the CFPB is required to review its significant rules and the CFPB and anti-money laundering regulations Dodd-Frank Wall Street Reform and Consumer publish a report of its review no later than five issued by the Department of the Treasury’s Protection Act, Public Law 111–203 (2010) (Dodd- years after they take effect. See 12 U.S.C. 5512(d). Financial Crimes Enforcement Network, among Frank Act), codified at 12 U.S.C. 5581(b). This process is separate from the EGRPRA process. others. 7 79 FR 32172 (First Notice). VerDate Sep<11>2014 13:53 Feb 12, 2015 Jkt 235001 PO 00000 Frm 00002 Fmt 4702 Sfmt 4702 E:\FR\FM\13FEP1.SGM 13FEP1

7982 Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / Proposed Rules holding companies in these three III. Public Response to the First Notice regulatory requirements imposed on categories. In response to the First Notice, the insured depository institutions and their To assist the public’s understanding Agencies received approximately 40 regulated holding companies. Where of how we have organized the EGRPRA comments from financial institutions, possible, we ask commenters to cite to review, the Agencies have included a industry trade groups, consumer specific regulatory language or table in Section IV that lists the three advocacy groups, and other members of provisions. We also welcome suggested categories of regulations for which we the public. The Agencies will carefully alternative provisions or language in are requesting comments. On the table, consider those comments, including the support of a comment, where the left column divides the categories issues raised and the suggestions made, appropriate. Where implementation of a into specific subject-matter areas. The and discuss them in the EGRPRA report suggestion would require modification headings at the top of the table identify to Congress and as part of any of a statute, we ask the commenter to the types of institutions affected by the rulemaking to which they relate. identify the statute and the needed regulations. In addition to comments regarding the change, where possible. After comments have been received, regulations contained in the First The Agencies note that recently the Agencies will review the comments Notice, the Agencies also received promulgated rules 10 amended, directly and decide whether further action is comments about the EGRPRA Review or by reference, several rules listed in appropriate with respect to the Process. First, we received comments the Capital category of the table regulations. The Agencies will make concerning which of the Agencies’ rules published with the First Notice. The this decision jointly in the case of rules are included in the review. As changes either went into effect in 2014 that we have issued on an interagency explained above, we have not included or will go into effect during 2015. basis. Similarly, we will undertake any in this review those rules that will go Consistent with the above-described rulemaking to amend or repeal those into effect during the EGRPRA review, EGRPRA Review Process,11 the Capital rules on an interagency basis. For rules new regulations that have only recently category in the table clarifies the issued by a single agency, the issuing gone into effect, or rules that we have specific regulations on which we are agency will review the comments yet to implement fully. The Agencies requesting comment. Where the table in received and independently determine consider burden when adopting the First Notice listed general subject- whether amendments to or repeal of its regulations. In addition, the Agencies, matter areas in the Capital category, the rules are appropriate. If so, that Agency financial institutions, and the public table in this notice provides citations to will initiate a rulemaking to effect such need the benefit of experience with the specific sections that the Agencies change. In all cases, the Agencies will these regulations in order to assess their are including in this review. provide the public with an opportunity effect on insured depository Specific issues for commenters to to comment on any proposed institutions. consider. The Agencies specifically amendment to or repeal of a regulation, We also received comments on which invite comment on the following issues as required by the APA. agencies participate in the EGRPRA as they pertain to the Agencies’ Banking Further, as part of the EGRPRA review. As explained above, only the Operations, Capital, and Community review, the Agencies are holding a OCC, Board, and FDIC are statutorily Reinvestment Act rules addressed in series of outreach meetings to provide required to undertake this review. this notice. an opportunity for bankers, consumer Although other agencies may undertake • Need for statutory change. (1) Do and community groups, and other regulatory reviews, those reviews are any statutory requirements underlying interested persons to present their views separate and distinct from this review. the rules in these categories impose directly to senior management and staff Finally, we received comments about outdated or otherwise unnecessary of the Agencies on any of the categories whether the consumer regulations regulatory requirements? (2) If so, please of regulations in the EGRPRA review.8 transferred to the CFPB by the Dodd- identify the statutes and indicate how More information about the outreach Frank Act are included in the EGRPRA they should be amended. review. The Agencies will seek • Need and purpose of the meetings can be found on the Agencies’ comment only on those consumer regulations. (1) Have there been changes EGRPRA Web site, http:// regulations for which they retain in the financial services industry, egrpra.ffiec.gov. rulemaking authority following passage consumer behavior, or other Finally, EGRPRA also requires the of the Dodd-Frank Act, such as the fair circumstances that cause any FFIEC or the Agencies to publish in the housing advertising and recordkeeping, regulations in these categories to be Federal Register a summary of the flood insurance, safeguarding customer outdated or otherwise unnecessary? (2) comments received, identifying information, and identity theft rules.9 If so, please identify and indicate how significant issues raised and they should be amended. (3) Do any of commenting on these issues. It also IV. Request for Burden Reduction these regulations impose burdens not directs the Agencies to eliminate Comments on Regulations in the required by their underlying statutes? unnecessary regulations to the extent Banking Operations, Capital, and the (4) If so, please identify the regulations that such action is appropriate. The Community Reinvestment Act and indicate how they should be statute additionally requires the FFIEC Categories amended. to submit to Congress a report that • Overarching approaches/flexibility. summarizes any significant issues raised As noted previously, the Agencies are (1) With respect to the regulations in wreier-aviles on DSK5TPTVN1PROD with PROPOSALS in the public comments and the relative asking the public to comment on regulations in the Banking Operations, these categories, could an Agency use a merits of such issues. The report also must include an analysis of whether the Capital, and the Community 10 78 FR 62017 (Oct. 11, 2013) (Agencies jointly); Agencies are able to address the Reinvestment Act categories to identify 79 FR 71630 (Dec. 3, 2014) (OCC); 79 FR 69365 regulatory burdens associated with such outdated or otherwise unnecessary (Nov. 21, 2014) (FDIC); 79 FR 64026 (Oct. 27, 2014) issues or whether these burdens must be (Board). These regulations include capital 9 If, during the EGRPRA review, the Agencies adequacy, prompt corrective action, addressed by legislative action. implementation of Basel III, standardized and risk- receive a comment about a regulation that is not subject to the EGRPRA review, we will forward that based approaches, market risk, and stress testing. 8 See 79 FR 70474 (Nov. 26, 2014). comment to the appropriate agency. 11 See supra note 5, at 8. VerDate Sep<11>2014 13:53 Feb 12, 2015 Jkt 235001 PO 00000 Frm 00003 Fmt 4702 Sfmt 4702 E:\FR\FM\13FEP1.SGM 13FEP1

Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / Proposed Rules 7983 different approach to lessen the burden any of these requirements electronically underlying statutes in these categories imposed by the regulations and achieve (if they are not already permitted to do that impose outdated or otherwise statutory intent? (2) Do any of these so) and experience burden reduction? unnecessary requirements on a rules impose unnecessarily inflexible (3) If so, please identify the regulations substantial number of community banks requirements? (3) If so, please identify and indicate how they should be or other smaller, insured depository the regulations and indicate how they amended. institutions or holding companies? (2) should be amended. • Unique characteristics of a type of Have the Agencies issued regulations • Effect on competition. (1) Do any of institution. (1) Do any of the regulations pursuant to a common statute that, as the regulations or underlying statutes or underlying statutes in these applied by the Agencies, create create competitive disadvantages for one categories impose requirements that are redundancies or impose inconsistent unwarranted by the unique requirements? (3) Should any of these part of the financial services industry characteristics of a particular type of regulations be amended or repealed in compared to another or for one type of insured depository institution or order to minimize this impact? (4) If so, insured depository institution compared holding company? (2) If so, please please identify the regulations and to another? (2) If so, please identify the identify the regulations and indicate indicate how they should be amended. regulations and indicate how they how they should be amended. should be amended. • Clarity. (1) Are the regulations in • Scope of rules. (1) Is the scope of • Reporting, recordkeeping and these categories clear and easy to each rule in these categories consistent disclosure requirements. (1) Do any of understand? (2) Are there specific with the intent of the underlying the regulations or underlying statutes in regulations for which clarification is statute(s)? (2) Could we amend the these categories impose outdated or needed? (3) If so, please identify the scope of a rule to clarify its applicability otherwise unnecessary reporting, regulations and indicate how they or reduce burden, while remaining recordkeeping, or disclosure should be amended. faithful to statutory intent? (3) If so, requirements on insured depository • Burden on community banks and please identify the regulations and institutions or their holding companies? other smaller, insured depository indicate how they should be amended. (2) Could a financial institution fulfill institutions. (1) Are there regulations or BILLING CODE 6510–01–P wreier-aviles on DSK5TPTVN1PROD with PROPOSALS VerDate Sep<11>2014 13:53 Feb 12, 2015 Jkt 235001 PO 00000 Frm 00004 Fmt 4702 Sfmt 4702 E:\FR\FM\13FEP1.SGM 13FEP1

7984 Federal Register/Vol. 80, No. 30 /Friday, February 13, 2015 /Proposed Rules Categories and Regulations Addressed in the Second Federal Register Notice 1. Banking Operations Assessment of 12 CFR 12 CFR Part Fees Part 8 8 Bank 12 CFR Operations Part 7, Subpart C Availability of 12 CFR 12 CFR 12 CFR Part 12 CFR Part 12 CFR Part Funds and Part 229 Part 229 229 229 [Reg. 229 [Reg. Collection of [Reg. CC] |[Reg. CC] [Reg. CC] CC] CC] Checks Collection of 12 CFR 12 CFR 12 CFR Part 12 CFR Part 12 CFR Part Checks and Part 210 Part 210 210 210 [Reg. J] 210 [Reg. J] Other Items by [Reg. J] [Reg. J] [Reg. J] Federal Reserve Banks and Funds Transfers Through Fedwire Reimbursement 12 CFR 12 CFR 12 CFR Part 12 CFR Part 12 CFR Part for Providing Part 219 Part 219 219 219 [Reg. S] 219 [Reg. S] Financial [Reg. S] [Reg. S] [Reg. S] Records; Recordkeeping Requirements for Certain Financial Records Reserve 12 CFR 12 CFR 12 CFR Part 12 CFR Part 12 CFR Part Requirements Part 204 Part 204 204 204 [Reg. D] 204 [Reg. DJ of Depository [Reg. DJ [Reg. DJ [Reg. DJ Institutions

Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / Proposed Rules 7985 The Payment Federal Federal Federal Federal Federal System Risk Reserve Reserve Reserve Reserve Reserve Reduction Regulatory Regulatory Regulatory Regulatory Regulatory Policy Service Service 9- Service 9- Service 9- Service 9- 9-1000 1000 1000 1000 1000 Assessments Prompt 12CFR 12 CFR 12CFR 12 CFR 6.3, 12 CFR 12 CFR Corrective 6.3, 6.5, 208.42, 324.402, 6.5, 6.6, 324.402, 208.42, .44, Action 6.6, 6.20- .44, .45; 12 324.404, 6.20-6.25 324.404, .45; 12 6.25 CFRPart 324.405 324.405 CFRPart 263, 263, Subpart H Subpart H National Bank 12CFR Changes in 5.46-.47. 12 Permanent Capital; Subordinated Debt as Ca ital wreier-aviles on DSK5TPTVN1PROD with PROPOSALS EP13FE15.001</GPH> VerDate Sep<11>2014 13:53 Feb 12, 2015 Jkt 235001 PO 00000 Frm 00006 Fmt 4702 Sfmt 4725 E:\FR\FM\13FEP1.SGM 13FEP1

7986 Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / Proposed Rules DEPARTMENT OF TRANSPORTATION ADDRESSES: You may send comments, Dated: January 20, 2015. using the procedures found in 14 CFR Federal Aviation Administration 11.43 and 11.45, by any of the following Thomas J. Curry, methods: Comptroller of the Currency. 14 CFR Part 39 • Federal eRulemaking Portal: Go to By order of the Board of Governors of the [Docket No. FAA–2015–0085; Directorate http://www.regulations.gov. Follow the Federal Reserve System, February 6, 2015. Identifier 2014–NM–078–AD] instructions for submitting comments. Robert DeV. Frierson, Secretary of the Board. RIN 2120–AA64 • Fax: 202–493–2251. Dated: January 21, 2015. Airworthiness Directives; Airbus • Mail: U.S. Department of By order of the Board of Directors. Airplanes Transportation, Docket Operations, M– 30, West Building Ground Floor, Room Federal Deposit Insurance Corporation. AGENCY: Federal Aviation W12–140, 1200 New Jersey Avenue SE., Robert E. Feldman, Administration (FAA), DOT. Washington, DC 20590. Executive Secretary. ACTION: Notice of proposed rulemaking • Hand Delivery: U.S. Department of [FR Doc. 2015–02998 Filed 2–12–15; 8:45 am] (NPRM). Transportation, Docket Operations, M– BILLING CODE 4810–33–P; 6510–01–P; 6714–01–C 30, West Building Ground Floor, Room SUMMARY: We propose to adopt a new airworthiness directive (AD) for all W12–140, 1200 New Jersey Avenue SE., Airbus Model A330–243, A330–243F, Washington, DC, between 9 a.m. and 5 A330–341, A330–342, and A330–343 p.m., Monday through Friday, except airplanes. This proposed AD was Federal holidays. prompted by reports indicating that For service information identified in certain hinge sleeves on the cowl doors this proposed AD, contact Airbus SAS, of the thrust reverser units (TRUs) were Airworthiness Office—EAL, 1 Rond not heat treated. This proposed AD Point Maurice Bellonte, 31707 Blagnac would require replacing the sleeves of Cedex, France; telephone +33 5 61 93 36 certain hinges on the cowl doors of the 96; fax +33 5 61 93 45 80; email wreier-aviles on DSK5TPTVN1PROD with PROPOSALS TRUs with new parts. We are proposing airworthiness.A330–A340@airbus.com; this AD to prevent, in the event of a fan- 12 On Dec. 18, 2014, the OCC issued an interim blade-off event due to high vibration, in- Internet http://www.airbus.com. You final rule with request for comment (IFR) amending flight loss of TRU heavy components, may view this referenced service 12 CFR 5.47. 79 FR 75417. The effective date of the which might damage airplane structure information at the FAA, Transport IFR was Jan. 1, 2015. In an effort to provide the or control surfaces, and consequent Airplane Directorate, 1601 Lind Avenue fullest opportunity for public comment, the OCC SW., Renton, WA. For information on invites comment on the IFR through both the reduced controllability of the airplane. DATES: We must receive comments on the availability of this material at the process outlined in the IFR and the EGRPRA this proposed AD by March 30, 2015. FAA, call 425–227–1221. EP13FE15.002</GPH> Review Process outlined above. VerDate Sep<11>2014 13:53 Feb 12, 2015 Jkt 235001 PO 00000 Frm 00007 Fmt 4702 Sfmt 4702 E:\FR\FM\13FEP1.SGM 13FEP1


Document Created: 2015-12-18 13:17:59
Document Modified: 2015-12-18 13:17:59
CategoryRegulatory Information
CollectionFederal Register
sudoc ClassAE 2.7:
GS 4.107:
AE 2.106:
PublisherOffice of the Federal Register, National Archives and Records Administration
SectionProposed Rules
ActionNotice of regulatory review; request for comments.
DatesWritten comments must be received by no later than May 14, 2015.
ContactOCC: Karen McSweeney, Counsel (202) 649-6295; Heidi Thomas, Special Counsel (202) 649-6286; for persons who are deaf or hard of hearing, TTY (202) 649-5597.
FR Citation80 FR 7980 
CFR Citation12
Title 12 CFR Chapter I
12
Title 12 CFR Chapter II
12
Title 12 CFR Chapter III
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