81 FR 25323 - Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws
BUREAU OF CONSUMER FINANCIAL PROTECTION Federal Register Volume 81, Issue 82 (April 28, 2016)
Federal Register Volume 81, Issue 82 (April 28, 2016)
| Page Range | 25323-25326 | |
| FR Document | 2016-09431 |
[Federal Register Volume 81, Number 82 (Thursday, April 28, 2016)] [Rules and Regulations] [Pages 25323-25326] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2016-09431] ======================================================================== Rules and Regulations Federal Register ________________________________________________________________________ This section of the FEDERAL REGISTER contains regulatory documents having general applicability and legal effect, most of which are keyed to and codified in the Code of Federal Regulations, which is published under 50 titles pursuant to 44 U.S.C. 1510. The Code of Federal Regulations is sold by the Superintendent of Documents. Prices of new books are listed in the first FEDERAL REGISTER issue of each week. ======================================================================== Federal Register / Vol. 81, No. 82 / Thursday, April 28, 2016 / Rules and Regulations [[Page 25323]] BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Parts 1002, 1003, 1005, 1006, 1007, 1008, 1009, 1010, 1011, 1012, 1013, 1014, 1015, 1016, 1022, 1024, 1026, and 1030 RIN 3170-AA06 Finalization of Interim Final Rules (Subject to Any Intervening Amendments) Under Consumer Financial Protection Laws AGENCY: Bureau of Consumer Financial Protection. ACTION: Final rule; official interpretations. ----------------------------------------------------------------------- SUMMARY: Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred rulemaking authority for a number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer Financial Protection (Bureau) as of July 21, 2011. In December 2011, the Bureau republished the existing regulations implementing those laws, as previously adopted by the seven predecessor agencies, as interim final rules (December 2011 IFRs) with technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act. The December 2011 IFRs did not impose any new substantive obligations on persons subject to the existing regulations. This final rule adopts the December 2011 IFRs as final, subject to any intervening final rules published by the Bureau. DATES: This final rule is effective April 28, 2016. FOR FURTHER INFORMATION CONTACT: Kristen Phinnessee, Counsel, Office of Regulations, Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552, at (202) 435-7700. SUPPLEMENTARY INFORMATION: I. Background and Summary of the Final Rule In response to an unprecedented cycle of expansion and contraction in the mortgage market that sparked the most severe U.S. recession since the Great Depression, Congress passed the Dodd-Frank Act, which was signed into law on July 21, 2010. In the Dodd-Frank Act, Congress established the Bureau and generally consolidated the rulemaking authority for Federal consumer financial laws in the Bureau.\1\ Title X of the Dodd-Frank Act transferred rulemaking authority for a number of consumer financial protection laws from seven Federal agencies to the Bureau as of July 21, 2011. These included the Consumer Leasing Act (CLA), the Electronic Fund Transfer Act (except with respect to section 920) (EFTA), the Equal Credit Opportunity Act (ECOA), the Fair Credit Reporting Act (except with respect to sections 615(e) and 628) (FCRA), the Fair Debt Collection Practices Act (FDCPA), Subsections (b) through (f) of section 43 of the Federal Deposit Insurance Act (FDIA), sections 502 through 509 of the Gramm-Leach-Bliley Act (except for section 505 as it applies to section 501(b)) (GLBA), the Home Mortgage Disclosure Act (HMDA), the Real Estate Settlement Procedures Act of 1974 (RESPA), the S.A.F.E. Mortgage Licensing Act of 2008 (SAFE), the Truth in Lending Act (TILA), the Truth in Savings Act (TISA), section 626 of the Omnibus Appropriations Act, 2009 (MAP and MARS), and the Interstate Land Sales Full Disclosure Act (ILSA) (together, the 14 Acts). --------------------------------------------------------------------------- \1\ See, e.g., sections 1011 and 1021 of the Dodd-Frank Act, 12 U.S.C. 5491 and 5511 (establishing and setting forth the purpose, objectives, and functions of the Bureau); section 1061 of the Dodd- Frank Act, 12 U.S.C. 5581 (consolidating certain rulemaking authority for Federal consumer financial laws in the Bureau). --------------------------------------------------------------------------- From December 16-27, 2011, the Bureau republished in the Federal Register the regulations implementing the 14 Acts as new parts of title 12 of the Code of Federal Regulations, through interim final rules, with only certain technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act (the December 2011 IFRs). The December 2011 IFRs did not impose any new substantive obligations on persons subject to the existing regulations. The final rule adopts the December 2011 IFRs with no changes, subject to any intervening final rules published by the Bureau. II. Summary of the Rulemaking Process On December 16, 19-22, and 27, 2011, the Bureau published in the Federal Register its interim final rules adopting certain regulations implementing a number of consumer financial protection laws transferred to the Bureau by title X of the Dodd-Frank Act.\2\ The comment periods closed on various dates from February 14-27, 2012. In response to the December 2011 IFRs, the Bureau received over 100 comments from consumer groups, creditors, industry trade associations, and others. As discussed in more detail below, the Bureau has considered these comments in adopting this final rule. --------------------------------------------------------------------------- \2\ 76 FR 78121 (Dec. 16, 2011), 76 FR 78126 (Dec. 16, 2011), 76 FR 78130 (Dec. 16, 2011), 76 FR 78465 (Dec. 19, 2011), 76 FR 78483 (Dec. 19, 2011), 76 FR 78500 (Dec. 19, 2011), 76 FR 78978 (Dec. 20, 2011), 76 FR 79025 (Dec. 21, 2011), 76 FR 79276 (Dec. 21, 2011), 76 FR 79308 (Dec. 21, 2011), 76 FR 79442 (Dec. 21, 2011), 76 FR 79486 (Dec. 21, 2011), 76 FR 79768 (Dec. 22, 2011), and 76 FR 81020 (Dec. 27, 2011). --------------------------------------------------------------------------- III. Legal Authority The Bureau is issuing this final rule pursuant to its authority under the 14 Acts and the Dodd-Frank Act. Effective July 21, 2011, section 1061 of the Dodd-Frank Act transferred to the Bureau the ``consumer financial protection functions'' previously vested in certain other Federal agencies. The term ``consumer financial protection functions'' is defined to include ``all authority to prescribe rules or issue orders or guidelines pursuant to any Federal consumer financial law, including performing appropriate functions to promulgate and review such rules, orders, and guidelines.'' \3\ The 14 Acts are all Federal consumer financial laws.\4\ Accordingly, effective July 21, 2011, except with respect to persons excluded from the Bureau's [[Page 25324]] rulemaking authority by section 1029 of the Dodd-Frank Act, the authority to issue regulations pursuant to the 14 Acts transferred to the Bureau.\5\ --------------------------------------------------------------------------- \3\ Public Law 111-203, section 1061(a)(1). Effective on the designated transfer date, July 21, 2011, the Bureau was also granted ``all powers and duties'' vested in each of the Federal agencies, relating to the consumer financial protection functions, on the day before the designated transfer date. \4\ Public Law 111-203, section 1002(14) (defining ``Federal consumer financial law'' to include the ``enumerated consumer laws''); id. section 1002(12) (defining ``enumerated consumer laws'' to include the 14 Acts). \5\ See also 15 U.S.C. 1691b; 12 U.S.C. 2804; 15 U.S.C. 1693b; 15 U.S.C. 1692l; 12 U.S.C. 5106-5108; 12 U.S.C. 1831t(c), 1831t(d); 15 U.S.C. 1718; 15 U.S.C. 1667f; Public Law 111-8, section 626, 123 Stat. 524, as amended by Public Law 111-24, section 511, 123 Stat. 1734; 15 U.S.C. 6804(a)(1)(A); 15 U.S.C. 1681s(e); 12 U.S.C. 2603- 2605, 2607, 2609, 2617; 12 U.S.C. 2601, 2603-2605, 2607, 2609, 2617, 3353, 5511, 5512, 5532, 5581; 15 U.S.C. 1604(a); 12 U.S.C. 4308. --------------------------------------------------------------------------- IV. Summary of Comments to the December 2011 Interim Final Rules As noted above, the Bureau received over 100 comments in response to the issuance of the December 2011 IFRs. The comments generally fall into four broad categories. First, a number of comments discussed possible typographical, grammatical, or similar errors in the underlying regulations as they were originally adopted by the predecessor agencies and then restated by the Bureau. Second, a number of comments discussed the fact that, with the change in codification, existing internet links across a range of Web pages to the original citations in the electronic Code of Federal Regulations would become obsolete. Third, a number of comments asked the Bureau to confirm that it is bound by existing informal advisory opinions issued by predecessor agencies. Fourth, a number of comments urged that the Bureau make various substantive changes to the regulations adopted by the December 2011 IFRs. The Bureau has considered all of the comments received and has decided to adopt the December 2011 IFRs as final without change, subject to any intervening final rules published by the Bureau. The purpose of this notice is strictly to finalize the December 2011 IFRs; as any potential typographical errors do not change the meaning of the regulations, possible typographical, grammatical, or similar errors in the original regulations may be addressed in subsequent rulemakings. Similarly, substantive changes to the regulations adopted by the December 2011 IFRs have been, and may further be, addressed in subsequent rulemakings. Further, although it is regrettable that existing internet links may have become obsolete because of the changes in codification, the Bureau believes that such issues most likely have been overcome over the approximately four years since the Bureau adopted the December 2011 IFRs by changes made to the old links. In any event, the Bureau was charged by Congress with conducting certain rulemakings, and it was necessary for the Bureau to put in place its own regulations in order to do so. Lastly, with regard to the treatment of informal advisory opinions issued by predecessor agencies, the Bureau had addressed the issue prior to the December 2011 IFRs. Section 1063(i) of the Dodd-Frank Act required the Bureau to identify the rules and orders that would be transferred to the Bureau from each transferor agency. On July 21, 2011, the Bureau published in the Federal Register the identification of enforceable rules and orders.\6\ In this notice, the Bureau published a list of rules that will be enforceable by the Bureau and also noted that it ``will give due consideration to the application of other written guidance, interpretations, and policy statements issued prior to July 21, 2011, by a transferor agency in light of all relevant factors . . .''.\7\ --------------------------------------------------------------------------- \6\ 76 FR 43569 (July 21, 2011). \7\ Id., at 43570. --------------------------------------------------------------------------- V. Dodd Frank Act Section 1022(b) Analysis In developing the final rule, the Bureau has considered potential benefits, costs, and impacts.\8\ In addition, the Bureau has consulted, or offered to consult with, the prudential regulators, the Securities and Exchange Commission, the Department of Housing and Urban Development, the Federal Housing Finance Agency, the Federal Trade Commission, and the Department of the Treasury, including regarding consistency with any prudential, market, or systemic objectives administered by such agencies. --------------------------------------------------------------------------- \8\ Section 1022(b)(2)(A) of the Dodd-Frank Act requires the Bureau to consider the potential benefits and costs of regulation to consumers and covered persons, including the potential reduction of access by consumers to consumer financial products or services; the impact on depository institutions and credit unions with $10 billion or less in total assets as described in section 1026 of the Dodd- Frank Act; and the impact on consumers in rural areas. Section 1022(b)(2)(B) requires that the Bureau ``consult with the appropriate prudential regulators or other Federal agencies prior to proposing a rule and during the comment process regarding consistency with prudential, market, or systemic objectives administered by such agencies.'' --------------------------------------------------------------------------- This rule adopts the December 2011 IFRs with no changes, subject to any intervening final rules published by the Bureau. The rule will not impose any new substantive obligations on consumers or covered persons and is not expected to have any impact on consumers' access to consumer financial products and services. As a general matter, the final rule does not impose additional reporting, disclosure, or other requirements beyond those previously in existence. The Bureau has chosen to evaluate the benefits, costs and impacts of the final rule against the current state of the world, which takes into account the current regulatory regime. The Bureau is not aware of any significant benefits or costs to consumers or covered persons associated with the final rule relative to the baseline. Because the final rule adopts no changes to any of the subject regulations, which are already in place as a consequence of the December 2011 IFRs, there is no practical impact on consumers or covered persons. The final rules will have no unique impact on depository institutions or credit unions with $10 billion or less in assets as described in section 1026(a) of the Dodd-Frank Act. Also, the final rules will have no unique impact on rural consumers. VI. Regulatory Flexibility Act The Regulatory Flexibility Act (RFA), as amended by the Small Business Regulatory Enforcement Fairness Act of 1996, requires each agency to consider the potential impact of its regulations on small entities, including small businesses, small governmental units, and small not-for-profit organizations.\9\ The RFA generally requires an agency to conduct an initial regulatory flexibility analysis (IRFA) and a final regulatory flexibility analysis (FRFA) of any rule subject to notice-and-comment rulemaking requirements, unless the agency certifies that the rule will not have a significant economic impact on a substantial number of small entities.\10\ The Bureau also is subject to certain additional procedures under the RFA involving the convening of a panel to consult with small business representatives prior to proposing a rule for which an IRFA is required.\11\ --------------------------------------------------------------------------- \9\ 5 U.S.C. 601-612. \10\ 5 U.S.C. 603, 604. \11\ 5 U.S.C. 609. --------------------------------------------------------------------------- The IRFA and FRFA requirements described above apply only where a notice of proposed rulemaking is required,\12\ and the panel requirement applies only when a rulemaking requires an IRFA.\13\ The Bureau concluded that a notice of proposed rulemaking was not required for the December 2011 IFRs. This final rule adopts the December 2011 IFRs as final, except to the extent they have been amended in subsequent rulemakings. Therefore, a FRFA is not required. --------------------------------------------------------------------------- \12\ 5 U.S.C. 603(a), 604(a); 5 U.S.C. 553(b). \13\ 5 U.S.C. 609(b). --------------------------------------------------------------------------- VII. Paperwork Reduction Act According to the Paperwork Reduction Act of 1995 (PRA) (44 U.S.C. [[Page 25325]] 3501, et seq.) the Bureau may not conduct or sponsor and, notwithstanding any other provision of law, a respondent is not required to respond to an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. This rule contains no new or revised information collection requirements. The Bureau's OMB control numbers for the information collections in the respective existing regulations are as follows: ------------------------------------------------------------------------ Regulation OMB Control No. ------------------------------------------------------------------------ Regulation B.............................. 3170-0013. Regulation C.............................. 3170-0008. Regulation E.............................. 3170-0014. Regulation F.............................. 3170-0056. Regulations G & H......................... Regulation G: 3170-0005. Regulation H: Not applicable.\14\ Regulation I.............................. 3170-0062. Regulations J, K, & L..................... 3170-0012. Regulation M.............................. 3170-0006. Regulation N.............................. 3170-0009. Regulation O.............................. 3170-0007. Regulation P.............................. 3170-0010. Regulation V.............................. 3170-0002. Regulation X.............................. 3170-0016. Regulation Z.............................. 3170-0015. Regulation DD............................. 3170-0004. ------------------------------------------------------------------------ --------------------------------------------------------------------------- \14\ Regulation H contains no information collections requiring approval under the PRA. --------------------------------------------------------------------------- List of Subjects 12 CFR Part 1002 Aged, Banking, Banks, Civil rights, Consumer protection, Credit, Credit unions, Discrimination, Fair lending, Marital status discrimination, National banks, National origin discrimination, Penalties, Race discrimination, Religious discrimination, Reporting and recordkeeping requirements, Savings associations, Sex discrimination. 12 CFR Part 1003 Banking, Banks, Credit unions, Mortgages, National banks, Savings associations, Reporting and recordkeeping requirements. 12 CFR Part 1005 Automated teller machines, Banking, Banks, Consumer protection, Credit unions, Electronic fund transfers, National banks, Remittance transfers, Reporting and recordkeeping requirements, Savings associations. 12 CFR Part 1006 Administrative practice and procedure, Consumer protection, Credit, Intergovernmental relations. 12 CFR Parts 1007 and 1008 Accounting, Administrative practice and procedure, Advertising, Agriculture, Bank deposit insurance, Banking, Banks, Confidential business information, Conflict of interests, Consumer protection, Credit unions, Crime, Currency, Exports, Foreign banking, Grant programs--housing and community development, Holding companies, Insurance, Investments, Loan programs--housing and community development, Licensing, Mortgages, National banks, Penalties, Registration, Reporting and recordkeeping requirements, Rural areas, Savings associations, Securities, Surety bonds. 12 CFR Part 1009 Credit unions, Depository institutions, Federal Deposit Insurance Act, Federal Trade Commission Act, Federal deposit insurance. 12 CFR Parts 1010, 1011, and 1012 Adjudicatory proceedings, Advertising disclaimers, Certification of substantially equivalent state law, Filing assistance, Land registration, Reporting requirements, Purchasers' revocation rights, Unlawful sales practices. 12 CFR Part 1013 Advertising, Consumer leasing, Reporting and recordkeeping requirements, Truth in lending. 12 CFR Parts 1014 and 1015 Advertising, Business practices related to mortgage loans, Communications, Consumer protection, Credit, Mortgages, Telemarketing, Trade practices. 12 CFR Part 1016 Banking, Banks, Consumer protection, Credit, Credit unions, Foreign banking, Holding companies, National banks, Privacy, Reporting and recordkeeping requirements, Savings associations, Trade practices. 12 CFR Part 1022 Banking, Banks, Consumer protection, Credit unions, Fair Credit Reporting Act, Holding companies, National banks, Privacy, Reporting and recordkeeping requirements, Savings associations, State member banks. 12 CFR Part 1024 Condominiums, Consumer protection, Housing, Insurance, Mortgagees, Mortgages, Mortgage servicing, Reporting and recordkeeping requirements. 12 CFR Part 1026 Advertising, Appraisal, Appraiser, Banking, Banks, Consumer protection, Credit, Credit unions, Mortgages, National banks, Reporting and recordkeeping requirements, Savings associations, Truth in lending. 12 CFR Part 1030 Advertising, Banking, Banks, Consumer protection, National banks, Reporting and recordkeeping requirements, Savings associations, Truth in savings. Authority and Issuance For the foregoing reasons, the Bureau adopts as final the December 2011 IFRs, excluding the listed related amendments, as follows: A. 76 FR 79442 (Dec. 21, 2011), as amended by 78 FR 7216 (Jan. 31, 2013), and 78 FR 60382 (Oct. 1, 2013); B. 76 FR 78465 (Dec. 19, 2011), as amended by 77 FR 8721 (Feb. 15, 2012), 77 FR 76839 (Dec. 31, 2012), 78 FR 79285 (Dec. 30, 2013), 79 FR 77854 (Dec. 29, 2014), 80 FR 66128 (Oct. 28, 2015), 80 FR 69567 (Nov. 10, 2015), and 80 FR 79673 (Dec. 23, 2015); C. 76 FR 81020 (Dec. 27, 2011), as amended by 77 FR 6194 (Feb. 7, 2012), 77 FR 40459 (July 10, 2012), 77 FR 50244 (Aug. 20, 2012), 78 FR 6025 (Jan. 29, 2013), 78 FR 18221 (Mar. 26, 2013), 78 FR 30662 (May 22, 2013), 78 FR 49365 (Aug. 14, 2013), and 79 FR 55970 (Sept. 18, 2014); D. 76 FR 78121 (Dec. 16, 2011); E. 76 FR 78483 (Dec. 19, 2011); F. 76 FR 78126 (Dec. 16, 2011); G. 76 FR 79486 (Dec. 21, 2011), as amended by 77 FR 26154 (May 3, 2012); H. 76 FR 78500 (Dec. 19, 2011), as amended by 76 FR 81789 (Dec. 29, 2011), 77 FR 69735 (Nov. 21, 2012), 78 FR 70193 (Nov. 25, 2013), 79 FR 56482 (Sept. 22, 2014), and 80 FR 73945 (Nov. 27, 2015); I. 76 FR 78130 (Dec. 16, 2011); J. 76 FR 79025 (Dec. 21, 2011), as amended by 79 FR 64057 (Oct. 28, 2014); K. 76 FR 79308 (Dec. 21, 2011), as amended by 77 FR 67744 (Nov. 14, 2012); L. 76 FR 78978 (Dec. 20, 2011), as amended by 78 FR 6856 (Jan. 31, 2013), 78 FR 10696 (Feb. 14, 2013), 78 FR 44686 (July 24, 2013), 78 FR 60382 (Oct. 1, 2013), 78 FR 62993 (Oct. 23, 2013), 78 FR 68343 (Nov. 14, 2013), 78 FR 79730 (Dec. 31, 2013), 80 FR 8767 (Feb.19, 2015), 80 FR 22091 (Apr. 21, 2015), 80 FR 43911 (July 24, 2015), 80 FR 80228 (Dec. 24, 2015), and 81 FR 7032 (Feb. 10, 2016); M. 76 FR 79768 (Dec. 22, 2011), as amended by 77 FR 69736 (Nov. 21, [[Page 25326]] 2012), 77 FR 69738 (Nov. 21, 2012), 77 FR 70105 (Nov. 23, 2012), 78 FR 4726 (Jan. 22, 2013), 78 FR 6408 (Jan. 30, 2013), 78 FR 6856 (Jan. 31, 2013), 78 FR 10368 (Feb. 13, 2013), 78 FR 10902 (Feb. 14, 2013), 78 FR 11280 (Feb. 15, 2013), 78 FR 18795 (Mar. 28, 2013), 78 FR 25818 (May 3, 2013), 78 FR 30739 (May 23, 2013), 78 FR 32547 (May 31, 2013), 78 FR 35430 (June 12, 2013), 78 FR 44686 (July 24, 2013), 78 FR 45842 (July 30, 2013), 78 FR 60382 (Oct. 1, 2013), 78 FR 62993 (Oct. 23, 2013), 78 FR 70194 (Nov. 25, 2013), 78 FR 76033 (Dec. 16, 2013), 78 FR 78520 (Dec. 26, 2013), 78 FR 79286 (Dec. 30, 2013), 78 FR 79730 (Dec. 31, 2013), 79 FR 41631 (July 17, 2014), 79 FR 48015 (Aug. 15, 2014), 79 FR 56483 (Sept. 22, 2014), 79 FR 65300 (Nov. 3, 2014), 79 FR 77855 (Dec. 29, 2014), 79 FR 78296 (Dec. 30, 2014), 80 FR 8767 (Feb. 19, 2015), 80 FR 21153 (Apr. 17, 2015), 80 FR 22091 (Apr. 21, 2015), 80 FR 32658 (June 9, 2015), 80 FR 43911 (July 24, 2015), 80 FR 56895 (Sept. 21, 2015), 80 FR 59944 (Oct. 2, 2015), 80 FR 73943 (Nov. 27, 2015), 80 FR 73947 (Nov. 27, 2015), 80 FR 79674 (Dec. 23, 2015), 80 FR 80228 (Dec. 24, 2015), 81 FR 7032 (Feb. 10, 2016), and 81 FR 16074 (Mar. 25, 2016); and N. 76 FR 79276 (Dec. 21, 2011). Dated: April 12, 2016. Richard Cordray, Director, Bureau of Consumer Financial Protection. [FR Doc. 2016-09431 Filed 4-27-16; 8:45 am] BILLING CODE 4810-AM-P
![25326 Federal Register / Vol. 81, No. 82 / Thursday, April 28, 2016 / Rules and Regulations
2012), 77 FR 69738 (Nov. 21, 2012), 77 Register approves this incorporation by ‘‘That airspace extending upward from
FR 70105 (Nov. 23, 2012), 78 FR 4726 reference action under Title 1, Code of 1,200 feet above the surface bounded by a
(Jan. 22, 2013), 78 FR 6408 (Jan. 30, Federal Regulations, part 51, subject to line beginning at lat. 46°41′00″ N., long.
2013), 78 FR 6856 (Jan. 31, 2013), 78 FR the annual revision of FAA Order 114°08′00″ W.; to lat. 47°03′00″ N., long.
113°33′00″ W.; to lat. 46°28′00″ N., long.
10368 (Feb. 13, 2013), 78 FR 10902 (Feb. 7400.9 and publication of conforming 112°15′00″ W.; to lat. 45°41′00″ N., long.
14, 2013), 78 FR 11280 (Feb. 15, 2013), amendments. 112°13′00″ W.; to lat. 45°44′00″ N., long.
78 FR 18795 (Mar. 28, 2013), 78 FR FOR FURTHER INFORMATION CONTACT: 113°03′00″ W.; thence to the point of origin.’’
25818 (May 3, 2013), 78 FR 30739 (May Richard Roberts, Operations Support Issued in Seattle, Washington, on_April 18,
23, 2013), 78 FR 32547 (May 31, 2013), Group, Western Service Center, Federal 2016.
78 FR 35430 (June 12, 2013), 78 FR Aviation Administration, P.O. Box Tracey Johnson,
44686 (July 24, 2013), 78 FR 45842 (July 20636, Atlanta, Georgia 30320;
30, 2013), 78 FR 60382 (Oct. 1, 2013), Manager, Operations Support Group, Western
telephone (425) 203–4517. Service Center.
78 FR 62993 (Oct. 23, 2013), 78 FR SUPPLEMENTARY INFORMATION: [FR Doc. 2016–09699 Filed 4–27–16; 8:45 am]
70194 (Nov. 25, 2013), 78 FR 76033
(Dec. 16, 2013), 78 FR 78520 (Dec. 26, History BILLING CODE 4910–13–P
2013), 78 FR 79286 (Dec. 30, 2013), 78 The FAA published a final rule in the
FR 79730 (Dec. 31, 2013), 79 FR 41631 Federal Register amending Class E
(July 17, 2014), 79 FR 48015 (Aug. 15, DEPARTMENT OF HEALTH AND
Airspace extending upward from 700
2014), 79 FR 56483 (Sept. 22, 2014), 79 HUMAN SERVICES
feet above the surface at Deer Lodge-
FR 65300 (Nov. 3, 2014), 79 FR 77855 City-County Airport, Deer Lodge, MT.
(Dec. 29, 2014), 79 FR 78296 (Dec. 30, Food and Drug Administration
(81 FR 17377, March 29, 2016) Docket
2014), 80 FR 8767 (Feb. 19, 2015), 80 FR No. FAA–2015–3773. Subsequent to
21153 (Apr. 17, 2015), 80 FR 22091 21 CFR Part 1
publication, the Aeronautical
(Apr. 21, 2015), 80 FR 32658 (June 9, Information Services branch identified [Docket No. FDA–2011–N–0143]
2015), 80 FR 43911 (July 24, 2015), 80 that the Class E airspace extending RIN 0910–AG64
FR 56895 (Sept. 21, 2015), 80 FR 59944 upward from 1,200 feet above the
(Oct. 2, 2015), 80 FR 73943 (Nov. 27, surface was inadvertently left out of the Foreign Supplier Verification Programs
2015), 80 FR 73947 (Nov. 27, 2015), 80 regulatory text describing the boundary for Importers of Food for Humans and
FR 79674 (Dec. 23, 2015), 80 FR 80228 for the airport. This action reestablishes Animals; Technical Amendment
(Dec. 24, 2015), 81 FR 7032 (Feb. 10, the airspace extending upward from
2016), and 81 FR 16074 (Mar. 25, 2016); 1,200 feet above the surface as part of AGENCY: Food and Drug Administration,
and N. 76 FR 79276 (Dec. 21, 2011). that description. HHS.
Dated: April 12, 2016. Class E airspace designations are Final rule; technical
ACTION:
Richard Cordray, published in paragraph 6005, of FAA amendment.
Director, Bureau of Consumer Financial Order 7400.9Z, dated August 6, 2015,
SUMMARY: The Food and Drug
Protection. and effective September 15, 2015, which
Administration (FDA) is amending a
[FR Doc. 2016–09431 Filed 4–27–16; 8:45 am] is incorporated by reference in 14 CFR
final rule published in the Federal
71.1. The Class E airspace designations
BILLING CODE 4810–AM–P Register of November 27, 2015. That
listed in this document will be
final rule established requirements for
published subsequently in the Order.
importers to verify that food they import
DEPARTMENT OF TRANSPORTATION Availability and Summary of into the United States is produced
Documents for Incorporation by consistent with the hazard analysis and
Federal Aviation Administration Reference risk-based preventive controls and
This document amends FAA Order standards for produce safety provisions
14 CFR Part 71 of the Federal Food, Drug, and Cosmetic
7400.9Z, Airspace Designations and
[Docket No. FAA–2015–3773; Airspace Reporting Points, dated August 6, 2015, Act (the FD&C Act), is not adulterated,
Docket No. 15–ANM–22] and effective September 15, 2015. and is not misbranded with respect to
Availability information for FAA Order food allergen labeling. The final rule
Amendment of Class E Airspace; Deer 7400.9Z can be found in the original published with some editorial and
Lodge MT final rule (81 FR 17377, March 29, inadvertent errors. This document
2016). FAA Order 7400.9Z lists Class A, corrects those errors.
AGENCY: Federal Aviation
Administration (FAA), DOT. B, C, D, and E airspace areas, air traffic DATES: Effective April 28, 2016.
ACTION: Final rule, correction.
service routes, and reporting points. FOR FURTHER INFORMATION CONTACT:
Correction to Final Rule Brian Pendleton, Office of Policy, Food
SUMMARY: This action corrects a final and Drug Administration, 10903 New
rule published in the Federal Register Accordingly, pursuant to the Hampshire Ave., Silver Spring, MD
of March 29, 2016, amending Class E authority delegated to me, in the 20993–0002, 301–796–4614, email:
airspace extending upward from 700 Federal Register of March 29, 2016 (81 brian.pendleton@fda.hhs.gov.
feet above the surface at Deer Lodge- FR 17377) FR Doc. 2016–06934, SUPPLEMENTARY INFORMATION: In the
Amendment of Class E Airspace; Deer
asabaliauskas on DSK3SPTVN1PROD with RULES
City-County Airport, Deer Lodge, MT. Federal Register of November 27, 2015
The FAA identified that the Class E Lodge, MT, is corrected as follows: (80 FR 74226), FDA published the final
airspace area extending upward from § 71.1 [Amended] rule ‘‘Foreign Supplier Verification
1,200 feet above the surface was omitted Programs for Importers of Food for
from the Class E airspace description for ANM MT E5 Deer Lodge, MT Humans and Animals’’ with some
the airport. [Corrected] editorial and inadvertent errors. We are
DATES: Effective 0901 UTC, May 26, On page 17378, column 3, after line taking this action to correct inadvertent
2016. The Director of the Federal 48, add the following text: errors in the preamble to the final rule
VerDate Sep<11>2014 16:16 Apr 27, 2016 Jkt 238001 PO 00000 Frm 00004 Fmt 4700 Sfmt 4700 E:\FR\FM\28APR1.SGM 28APR1](https://thefederalregister.org/doc/81_FR_25405/page/4.svg)
Document Created: 2016-04-28 01:05:38
Document Modified: 2016-04-28 01:05:38
| 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 | Rules and Regulations | |
| Action | Final rule; official interpretations. | |
| Dates | This final rule is effective April 28, 2016. | |
| Contact | Kristen Phinnessee, Counsel, Office of Regulations, Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552, at (202) 435-7700. | |
| FR Citation | 81 FR 25323 | |
| RIN Number | 3170-AA06 | |
| CFR Citation | 12
CFR
1002 12 CFR 1003 12 CFR 1005 12 CFR 1006 12 CFR 1007 12 CFR 1008 12 CFR 1009 12 CFR 1010 12 CFR 1011 12 CFR 1012 12 CFR 1013 12 CFR 1014 12 CFR 1015 12 CFR 1016 12 CFR 1022 12 CFR 1024 12 CFR 1026 12 CFR 1030 | |
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