81_FR_57602 81 FR 57439 - Civil Monetary Penalties

81 FR 57439 - Civil Monetary Penalties

DEPARTMENT OF AGRICULTURE
Rural Housing Service

Federal Register Volume 81, Issue 163 (August 23, 2016)

Page Range57439-57442
FR Document2016-19954

The Rural Housing Service (RHS or Agency) is implementing its civil monetary penalty provision. Currently, the Agency is limited to severe actions, such as acceleration and foreclosure, as a remedy for non-monetary compliance violations, actions that may not be in the best interest of the government. New Civil Monetary Penalties regulations will enable the Agency to target the non-monetary default issues and elicit compliance by the borrower without such a drastic step as foreclosure. By implementing procedures for Civil Monetary Penalties, the Agency will be provided an important tool to enforce compliance with the regulations.

Federal Register, Volume 81 Issue 163 (Tuesday, August 23, 2016)
[Federal Register Volume 81, Number 163 (Tuesday, August 23, 2016)]
[Rules and Regulations]
[Pages 57439-57442]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2016-19954]



========================================================================
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. 163 / Tuesday, August 23, 2016 / 
Rules and Regulations

[[Page 57439]]



DEPARTMENT OF AGRICULTURE

Rural Housing Service

7 CFR Part 3560

RIN 0575-AC93


Civil Monetary Penalties

AGENCY: Rural Housing Service, USDA.

ACTION: Final rule.

-----------------------------------------------------------------------

SUMMARY: The Rural Housing Service (RHS or Agency) is implementing its 
civil monetary penalty provision. Currently, the Agency is limited to 
severe actions, such as acceleration and foreclosure, as a remedy for 
non-monetary compliance violations, actions that may not be in the best 
interest of the government. New Civil Monetary Penalties regulations 
will enable the Agency to target the non-monetary default issues and 
elicit compliance by the borrower without such a drastic step as 
foreclosure. By implementing procedures for Civil Monetary Penalties, 
the Agency will be provided an important tool to enforce compliance 
with the regulations.

DATES: This rule is effective September 22, 2016. However, there will 
be an implementation period for this rule that will allow the Agency to 
ensure that proper guidance is disseminated. The implementation date is 
December 21, 2016.

FOR FURTHER INFORMATION CONTACT: Stephanie White, Director, Multi-
Family Housing Portfolio Management Division, Rural Housing Service, 
STOP 0782--Room 1263S, 1400 Independence Avenue SW., Washington, DC 
20250-0782, Telephone: (202) 720-1615.

SUPPLEMENTARY INFORMATION: 

Executive Order 12866, Classification

    This rule has been determined to be not significant for purposes of 
Executive Order 12866 and has not been reviewed by the Office of 
Management and Budget (OMB).

Authority

    The civil monetary penalty provision is authorized under section 
543(b) of the Housing Act of 1949, as amended (42 U.S.C. 1490s(b)).

Environmental Impact Statement

    This document has been reviewed in accordance with 7 CFR part 1970. 
RHS has determined that this action does not constitute a major Federal 
action significantly affecting the quality of the environment. In 
accordance with the National Environmental Policy Act of 1969, 42 
U.S.C. 4321 et seq., an Environmental Impact Statement is not required.

Regulatory Flexibility Act

    This rule has been reviewed with regard to the requirements of the 
Regulatory Flexibility Act (5 U.S.C. 601-612). Under Section 605(b) of 
the Regulatory Flexibility Act, 5 U.S.C. 605(b), the Agency has 
determined and certified by signature on this document that this rule 
will not have a significant economic impact on a substantial number of 
small entities since this rulemaking action does not involve a new or 
expanded program nor does it require any more action on the part of a 
small business than required of a large entity.

Executive Order 13132, Federalism

    The policies contained in this rule do not have any substantial 
direct effect on States, on the relationship between the National 
Government and the States, or on the distribution of power and 
responsibilities among the various levels of Government. This rule does 
not impose substantial direct compliance costs on State and local 
Governments; therefore, consultation with the States is not required.

Executive Order 12988, Civil Justice Reform

    This rule has been reviewed under Executive Order 12988. In 
accordance with this rule: (1) Unless otherwise specifically provided, 
all State and local laws that are in conflict with this rule will be 
preempted; (2) no retroactive effect will be given to this rule except 
as specifically prescribed in the rule; and (3) administrative 
proceedings of the National Appeals Division of the Department of 
Agriculture (7 CFR part 11) must be exhausted before bringing suit in 
court that challenges action taken under this rule.

Unfunded Mandate Reform Act (UMRA)

    Title II of the UMRA, Public Law 104-4, establishes requirements 
for Federal Agencies to assess the effects of their regulatory actions 
on State, local, and tribal Governments and on the private sector. 
Under section 202 of the UMRA, Federal Agencies generally must prepare 
a written statement, including cost-benefit analysis, for proposed and 
Final Rules with ``Federal mandates'' that may result in expenditures 
to State, local, or tribal Governments, in the aggregate, or to the 
private sector, of $100 million or more in any 1-year. When such a 
statement is needed for a rule, section 205 of the UMRA generally 
requires a Federal Agency to identify and consider a reasonable number 
of regulatory alternatives and adopt the least costly, more cost-
effective, or least burdensome alternative that achieves the objectives 
of the rule. This rule contains no Federal mandates (under the 
regulatory provisions of title II of the UMRA) for State, local, and 
tribal governments or for the private sector. Therefore, this rule is 
not subject to the requirements of sections 202 and 205 of the UMRA.

Paperwork Reduction Act of 1995

    The revisions in this rulemaking for 7 CFR part 3560 are subject to 
the Paperwork Reduction Act package with the assigned OMB control 
number of 0575-0189. No changes would impact that package.

E-Government Act Compliance

    RHS is committed to complying with the E-Government Act to promote 
the use of the internet and other information technologies to provide 
increased opportunities for citizen access to Government information 
and services and for other purposes.

Programs Affected

    The programs affected by this regulation are listed in the Catalog 
of Federal Domestic Assistance under Section 514 program and Section 
516 program (10.405); Section 515 program (10.415); Section 521 
(10.427); and Section 542 (10.448).

[[Page 57440]]

Executive Order 13175, Consultation and Coordination With Indian Tribal 
Governments

    This executive order imposes requirements on RHS in the development 
of regulatory policies that have tribal implications or preempt tribal 
laws. RHS has determined that the rule does not have a substantial 
direct effect on one or more Indian tribe(s) or on either the 
relationship or the distribution of powers and responsibilities between 
the Federal Government and the Indian tribes. Thus, the rule is not 
subject to the requirements of Executive Order 13175. If tribal leaders 
are interested in consulting with RHS on this rule, they are encouraged 
to contact USDA's Office of Tribal Relations or Rural Development's 
Native American Coordinator at (720) 544-2911 or [email protected] to 
request such consultation.

Executive Order 12372, Intergovernmental Review of Federal Programs

    This final rule is subject to the provisions of Executive Order 
12372 which require intergovernmental consultation with State and local 
officials. RHS conducts intergovernmental consultations for each loan 
and grant in a manner delineated in 7 CFR part 3015 subpart V.

Non-Discrimination Statement

    In accordance with Federal civil rights law and U.S. Department of 
Agriculture (USDA) civil rights regulations and policies, the USDA, its 
Agencies, offices, and employees, and institutions participating in or 
administering USDA programs are prohibited from discriminating based on 
race, color, national origin, religion, sex, gender identification 
(including gender expression), sexual orientation, disability, age, 
marital status, family/parental status, income derived from a public 
assistance program political beliefs, or reprisal or retaliation for 
prior civil rights activity, in any program or activity conducted or 
funded by USDA (not all bases apply to all programs). Remedies and 
complaint filing deadlines vary by program or incident.
    Persons with disabilities who require alternative means of 
communication for program information (e.g., Braille, large print, 
audiotape, American Sign Language, etc.) should contact the responsible 
Agency or USDA's TARGET Center at (202) 720-2600 (voice and TTY) or 
contact USDA through the Federal Relay Service at (800) 877-8339. 
Additionally, program information may be made available in languages 
other than English.
    To file a discrimination complaint, complete the USDA Program 
Discrimination Complaint Form, AD-3027, found online at http://www.ascr.usda.gov/complaint_filing_cust.html and at any USDA office or 
write a letter addressed to USDA and provide in the letter all of the 
information requested in the form. To request a copy of the complaint 
form, call (866) 632-9992. Submit your completed form or letter to USDA 
by:
    (1) Mail: U.S. Department of Agriculture, Office of the Assistant 
Secretary for Civil Rights, 1400 Independence Avenue SW., Washington, 
DC 20250-9410;
    (2) fax: (202) 690-7442; or
    (3) email: [email protected].
    USDA is an equal opportunity provider, employer, and lender.

I. Background

    Section 543(b) of the Housing Act of 1949 as amended (hereinafter 
the Act) (42 U.S.C. 1490s(b)) states for 5 different types of 
violations, ``the Secretary may, after notice and opportunity for a 
hearing, impose a civil monetary penalty (CMP) against any individual 
or entity, including its owners, officers, directors, general partners, 
limited partners, or employees, who knowingly and materially violate, 
or participate in the violation of the Act or its regulations.''
    In the proposed rule published in the Federal Register on January 
4, 2013 (78 FR 672) RHS proposed to implement two civil monetary 
penalty provisions. First, RHS proposed to amend its regulations to 
create a new section for imposing civil monetary penalties under the 
authority of 42 U.S.C. 1490s (section 543 of the Housing Act of 1949, 
as amended (Act)) (Housing Act CMP). Second, RHS proposed to adopt the 
USDA civil monetary penalty provisions for the Program Fraud Civil 
Remedies Act of 1986 (PFCRA) in a revision to an existing regulation 
(PFCRA CMP). In the proposed rule, RHS addressed the following issues 
for CMP:
    1. Procedures for the determination of the civil monetary 
penalties;
    2. Procedures for the administrative hearing;
    3. Establishing fines; and
    4. Procedures for the collection of fines.
    In the final rule, Multi-Family Housing (MFH) will set out 
procedures to use the USDA Administrative Law Judges' office to conduct 
the hearings for the civil monetary penalty program. The Administrative 
Laws Judges conduct similar hearings for other USDA agencies. The 
Administrative Law Judges' regulations allow within its jurisdiction, 
``other adjudicatory proceedings in which the complaint instituting the 
proceeding so provides with the concurrence of the Assistant Secretary 
for Administration.'' See 7 CFR 1.131(b)(6) Rural Housing Service (RHS) 
received concurrence in conducting MFH's civil monetary penalty 
hearings through the Administrative Law Judges' office.
    The Agency expects about 50 CMP cases annually.

II. Summary of Comments and Responses

    On January 4, 2013 (78 FR 672), the Agency published a proposed 
rule for Civil Monetary Penalties. A thirty-day comment period that 
ended February 4, 2013, was provided. Fifty-one comments were received 
from eleven stakeholders, including housing associations, housing 
advocates, and individuals. RHS is also including five comments 
relating to civil monetary penalties received from an interim rule 
titled ``Reinvention of the Sections 514, 515, 516 and 521 Multi-Family 
Housing Programs'', which was published on November 26, 2004 (69 FR 
69032-69176). Of the comments received, two comments were deemed not 
relevant to the rule, as the comments were not related to the CMP 
proposed rule.
    The Agency will adopt the following comments:
    Duplication and vagueness of CMP/PFCRA: Twenty-one comments 
mentioned that the proposed rule was broad and vague. Comments 
expressed concern about the duplication and overlap of existing rules 
created by the proposed rule. Several commenters requested that the 
Agency explain the need for Program Fraud Civil Remedies Act (PFCRA) in 
the proposed rule. The Agency has reviewed the comments and agrees that 
the inclusion of PFCRA provisions in the proposed rule created 
repetition and overlap, so they have been removed. Accordingly, the 
Agency has determined that 7 CFR part 1, subpart L, Procedures Related 
to Administrative Hearings Under the Program Fraud Civil Remedies Act 
of 1986, will be replaced with references to 7 CFR part 1, subpart H--
Rules of Practice Governing Formal Adjudicatory Proceedings Instituted 
by the Secretary Under Various Statutes.
    The majority of borrowers and management agents within the 
multifamily portfolio comply with Agency regulations and procedures and 
will not be affected by this rule. We estimate that less than five 
percent of

[[Page 57441]]

the multifamily portfolio will be affected by the CMP rule.
    CMP Process: Ten comments expressed concerns about the CMP process. 
Those concerns included:
     Two comments concerning the timeliness and use of the 
Attorney General. The concern was that the use of the United States 
Attorney's office could take years delaying completion of any civil 
monetary penalty against the individual or entity.
     One commenter raised a concern about the role of the 
Office of General Counsel (OGC) and its impact on the length of time 
for completing a CMP case and whether it had adequate staffing to 
handle such matters.
     One comment requested clearer guidance on the role and 
process of the Fraud Claims Officer, and the designation of the 
reviewing official.
     One comment objected to the pre-penalty notices warning 
that a penalty may be coming if the Agency did not receive adequate 
performance.
     Five comments were received that raised concerns about the 
complicated methodology of the process, ambiguous deadlines, and the 
standards for maintaining a property.
     Another comment suggested that the rule clearly limit 
which portions of Part 1 apply so, for example, the Agency is clear 
that it is not seeking to take on the Office of Inspector General (OIG) 
investigation powers, but is still providing full and adequate 
discovery and hearing procedures.
     Another commenter suggested an initial process using the 
State Director or Program Director.
     The Agency considered all of the comments above and 
changed the rule by enlisting the Office of Administrative Law Judges 
to administer civil monetary hearings to address the concerns of due 
process. References to the Fraud Office, of which there is no 
equivalent in USDA have been removed. No specific pre-penalty notice 
will be provided. Instead the Agency will use servicing letters in the 
existing guidance provided in the Serving Handbook. The Administrative 
Law Judges conduct similar hearings for other U.S. Department of 
Agriculture agencies. The Administrative Law Judges' regulations allow 
within its jurisdiction, ``other adjudicatory proceedings in which the 
complaint instituting the proceeding so provides with the concurrence 
of the Assistant Secretary for Administration.'' See 7 CFR 1.131(b)(6). 
The Agency process will be similar to that used by Investigative and 
Enforcement Services of the Animal and Plant Health Inspection Service 
(APHIS). Borrowers will have an opportunity to resolve the findings or 
deficiencies by working with the State Director and Agency staff prior 
through its regulatory loan servicing procedures prior to a CMP 
hearing. As with other loan servicing actions, the Agency will complete 
its loan servicing pursuant to 7 CFR part 3560 of the Borrower's loan 
account before pursuing civil monetary penalties. Pursuant to 7 CFR 
3560.456(b), the Agency will make a determination on whether to proceed 
with an acceleration or seek CMPs. The Office of General Counsel will 
review the cases to ensure legal sufficiency as well as represent the 
Agency on any cases that they recommend to move forward. Once 
forwarded, the timing of the process will be incumbent on the caseload 
of the Office of the Administrative Law Judges.
    The Agency will amend Sec.  3560.461(b)(2) adding references to 7 
CFR part 1 subpart H-Rules of Practice Governing Formal Adjudicatory 
Proceedings Instituted by the Secretary Under Various Statutes. In 
response to comments concerning duplicity, due process and procedural 
concerns the Agency determined it will use its authority in section 
543(b) Housing Act authority and this subpart rather than 7 CFR part 1, 
subpart L.
    CMP Fees: Three commenters expressed concerns about the fee 
structure and its reasonableness. As described in the proposed rule, 
the CMP fees will be assessed in accordance with 7 CFR part 3, subpart 
I. The Administrative Law Judge will use the criteria in the final rule 
and the requirements in section 3.91(b)(8) to determine the fees. The 
Agency believes that the fees set in the final rule will be reasonable. 
With the threshold of the fees independently established in USDA 
regulation and the assessment of the CMP fees imposed by the 
Administrative Law Judges, the Agency believes these measures eliminate 
any potential RHS subjectivity or bias.
     Failure to Disclose: One commenter requested that the 
Agency add a section to the rule that specifies the failure to disclose 
proper identity-of-interest information on site managers and 
contractors as a cause to impose CMP. We agree this should be included 
and have adopted the comment. This requirement is addressed in Sec.  
3560.461(b)(1)(iii) entitled, ``Failing to submit information requested 
by the Agency in a timely manner.''
    The Agency will not adopt the following comments:
    Non-profits: Six commenters were concerned about the negative 
impact of the rule on non-profit borrowers. Some requested exempt 
status or a 24-month grace period for implementation when a non-profit 
obtains a property through a transfer and assumption.
    The Agency does not see a need to adopt the comment because all 
borrowers, including non-profits, are required to adhere to the 
requirements of 7 CFR part 3560. In addition, MFH will work with the 
non-profits to assist them in bringing the properties into compliance 
with MFH regulations. As a result, MFH does not think it is necessary 
to implement a 24 month grace period.
    Liability Concerns: One commenter expressed concerns about 
liability in the case of a Limited Liability Corporation (LLC) and 
whether the tenant could be liable. It is ultimately the borrower's 
responsibility to remain compliant with the program regulations. False 
information provided by the tenant resulting in unauthorized benefits 
may be pursued under 7 CFR part 3560, subpart O--Unauthorized 
Assistance. The Agency will determine borrower liability on a case-by-
case basis and as the regulation and law allows. A Tenant may be liable 
under the CMP and is subject to the requirements of this rule.
    Lack of Resources: One commenter requested that the rule clarify 
that civil monetary penalties will not be sought or assessed under 
circumstances where the primary cause of a failure to properly manage 
or maintain a project results from a lack of available funds where the 
borrower has requested rental increases or additional loans or grants 
in order to maintain and repair the project, but such requests have 
been denied. The Agency understands the commenter's concern. The Agency 
is choosing not to adopt the comment because the Agency is confident it 
can work with borrowers on tools that are available, which may include 
rent increases in accordance with 7 CFR part 3560, subpart E and other 
servicing options available under subpart J.

List of Subjects in 7 CFR Part 3560

    Aged, Loan programs--Agriculture, Loan programs--Housing and 
Community Development, Low and moderate income housing, Public housing, 
Rent subsidies.

    For the reasons set forth in the preamble, chapter XXXV, Title 7 of 
the Code of Federal Regulations is amended as follows:

PART 3560--DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS

0
1. The authority citation for part 3560 continues to read as follows:

    Authority:  42 U.S.C. 1480.

[[Page 57442]]

Subpart J--Special Servicing, Enforcement, Liquidation, and Other 
Actions

0
2. Amend Sec.  3560.461 by revising paragraphs (b)(2) and (b)(4) to 
read as follows:


Sec.  3560.461  Enforcement provisions.

* * * * *
    (b) * * *
    (2) Amount. Civil penalties shall be assessed in accordance with 7 
CFR part 3, subpart I. In determining the amount of a civil monetary 
penalty under this section, the Agency must take into consideration:
    (i) The gravity of the offense;
    (ii) Any history of prior offenses by the violator (including 
offenses occurring prior to the enactment of this section);
    (iii) Any injury to tenants;
    (iv) Any injury to the public;
    (v) Any benefits received by the violator as a result of the 
violation;
    (vi) Deterrence of future violations; and
    (vii) Such other factors as the Agency may establish by regulation.
* * * * *
    (4) Hearings under this part shall be conducted in accordance with 
the procedures applicable to hearings in accordance with 7 CFR part 1, 
subpart H.
* * * * *

    Dated: July 25, 2016.
Tony Hernandez,
Administrator, Rural Housing Service.
[FR Doc. 2016-19954 Filed 8-22-16; 8:45 am]
 BILLING CODE 3410-XV-P



                                                                                                                                                                                             57439

                                           Rules and Regulations                                                                                         Federal Register
                                                                                                                                                         Vol. 81, No. 163

                                                                                                                                                         Tuesday, August 23, 2016



                                           This section of the FEDERAL REGISTER                    by the Office of Management and                       Department of Agriculture (7 CFR part
                                           contains regulatory documents having general            Budget (OMB).                                         11) must be exhausted before bringing
                                           applicability and legal effect, most of which                                                                 suit in court that challenges action taken
                                           are keyed to and codified in the Code of                Authority
                                                                                                                                                         under this rule.
                                           Federal Regulations, which is published under              The civil monetary penalty provision
                                           50 titles pursuant to 44 U.S.C. 1510.                   is authorized under section 543(b) of the             Unfunded Mandate Reform Act
                                                                                                   Housing Act of 1949, as amended (42                   (UMRA)
                                           The Code of Federal Regulations is sold by
                                           the Superintendent of Documents. Prices of              U.S.C. 1490s(b)).                                        Title II of the UMRA, Public Law 104–
                                           new books are listed in the first FEDERAL               Environmental Impact Statement                        4, establishes requirements for Federal
                                           REGISTER issue of each week.                                                                                  Agencies to assess the effects of their
                                                                                                     This document has been reviewed in                  regulatory actions on State, local, and
                                                                                                   accordance with 7 CFR part 1970. RHS                  tribal Governments and on the private
                                           DEPARTMENT OF AGRICULTURE                               has determined that this action does not              sector. Under section 202 of the UMRA,
                                                                                                   constitute a major Federal action                     Federal Agencies generally must
                                           Rural Housing Service                                   significantly affecting the quality of the            prepare a written statement, including
                                                                                                   environment. In accordance with the                   cost-benefit analysis, for proposed and
                                           7 CFR Part 3560                                         National Environmental Policy Act of                  Final Rules with ‘‘Federal mandates’’
                                           RIN 0575–AC93
                                                                                                   1969, 42 U.S.C. 4321 et seq., an                      that may result in expenditures to State,
                                                                                                   Environmental Impact Statement is not                 local, or tribal Governments, in the
                                           Civil Monetary Penalties                                required.                                             aggregate, or to the private sector, of
                                           AGENCY:  Rural Housing Service, USDA.                   Regulatory Flexibility Act                            $100 million or more in any 1-year.
                                                                                                      This rule has been reviewed with                   When such a statement is needed for a
                                           ACTION: Final rule.
                                                                                                   regard to the requirements of the                     rule, section 205 of the UMRA generally
                                           SUMMARY:   The Rural Housing Service                    Regulatory Flexibility Act (5 U.S.C.                  requires a Federal Agency to identify
                                           (RHS or Agency) is implementing its                     601–612). Under Section 605(b) of the                 and consider a reasonable number of
                                           civil monetary penalty provision.                       Regulatory Flexibility Act, 5 U.S.C.                  regulatory alternatives and adopt the
                                           Currently, the Agency is limited to                     605(b), the Agency has determined and                 least costly, more cost-effective, or least
                                           severe actions, such as acceleration and                certified by signature on this document               burdensome alternative that achieves
                                           foreclosure, as a remedy for non-                       that this rule will not have a significant            the objectives of the rule. This rule
                                           monetary compliance violations, actions                 economic impact on a substantial                      contains no Federal mandates (under
                                           that may not be in the best interest of                 number of small entities since this                   the regulatory provisions of title II of the
                                           the government. New Civil Monetary                      rulemaking action does not involve a                  UMRA) for State, local, and tribal
                                           Penalties regulations will enable the                   new or expanded program nor does it                   governments or for the private sector.
                                           Agency to target the non-monetary                       require any more action on the part of                Therefore, this rule is not subject to the
                                           default issues and elicit compliance by                 a small business than required of a large             requirements of sections 202 and 205 of
                                           the borrower without such a drastic step                entity.                                               the UMRA.
                                           as foreclosure. By implementing                                                                               Paperwork Reduction Act of 1995
                                                                                                   Executive Order 13132, Federalism
                                           procedures for Civil Monetary Penalties,
                                           the Agency will be provided an                            The policies contained in this rule do                The revisions in this rulemaking for 7
                                           important tool to enforce compliance                    not have any substantial direct effect on             CFR part 3560 are subject to the
                                           with the regulations.                                   States, on the relationship between the               Paperwork Reduction Act package with
                                                                                                   National Government and the States, or                the assigned OMB control number of
                                           DATES: This rule is effective September
                                                                                                   on the distribution of power and                      0575–0189. No changes would impact
                                           22, 2016. However, there will be an
                                                                                                   responsibilities among the various                    that package.
                                           implementation period for this rule that
                                           will allow the Agency to ensure that                    levels of Government. This rule does not              E-Government Act Compliance
                                           proper guidance is disseminated. The                    impose substantial direct compliance
                                                                                                   costs on State and local Governments;                   RHS is committed to complying with
                                           implementation date is December 21,
                                                                                                   therefore, consultation with the States is            the E-Government Act to promote the
                                           2016.
                                                                                                   not required.                                         use of the internet and other
                                           FOR FURTHER INFORMATION CONTACT:                                                                              information technologies to provide
                                           Stephanie White, Director, Multi-Family                 Executive Order 12988, Civil Justice                  increased opportunities for citizen
                                           Housing Portfolio Management                            Reform                                                access to Government information and
                                           Division, Rural Housing Service, STOP                      This rule has been reviewed under                  services and for other purposes.
                                           0782—Room 1263S, 1400 Independence                      Executive Order 12988. In accordance
                                           Avenue SW., Washington, DC 20250–                                                                             Programs Affected
                                                                                                   with this rule: (1) Unless otherwise
                                           0782, Telephone: (202) 720–1615.                        specifically provided, all State and local              The programs affected by this
ehiers on DSK5VPTVN1PROD with RULES




                                           SUPPLEMENTARY INFORMATION:                              laws that are in conflict with this rule              regulation are listed in the Catalog of
                                                                                                   will be preempted; (2) no retroactive                 Federal Domestic Assistance under
                                           Executive Order 12866, Classification                   effect will be given to this rule except              Section 514 program and Section 516
                                             This rule has been determined to be                   as specifically prescribed in the rule;               program (10.405); Section 515 program
                                           not significant for purposes of Executive               and (3) administrative proceedings of                 (10.415); Section 521 (10.427); and
                                           Order 12866 and has not been reviewed                   the National Appeals Division of the                  Section 542 (10.448).


                                      VerDate Sep<11>2014   14:39 Aug 22, 2016   Jkt 238001   PO 00000   Frm 00001   Fmt 4700   Sfmt 4700   E:\FR\FM\23AUR1.SGM   23AUR1


                                           57440             Federal Register / Vol. 81, No. 163 / Tuesday, August 23, 2016 / Rules and Regulations

                                           Executive Order 13175, Consultation                     Additionally, program information may                 conduct similar hearings for other
                                           and Coordination With Indian Tribal                     be made available in languages other                  USDA agencies. The Administrative
                                           Governments                                             than English.                                         Law Judges’ regulations allow within its
                                                                                                     To file a discrimination complaint,                 jurisdiction, ‘‘other adjudicatory
                                              This executive order imposes
                                                                                                   complete the USDA Program                             proceedings in which the complaint
                                           requirements on RHS in the
                                                                                                   Discrimination Complaint Form, AD–                    instituting the proceeding so provides
                                           development of regulatory policies that
                                                                                                   3027, found online at http://                         with the concurrence of the Assistant
                                           have tribal implications or preempt
                                                                                                   www.ascr.usda.gov/complaint_filing_                   Secretary for Administration.’’ See 7
                                           tribal laws. RHS has determined that the
                                                                                                   cust.html and at any USDA office or                   CFR 1.131(b)(6) Rural Housing Service
                                           rule does not have a substantial direct
                                                                                                   write a letter addressed to USDA and                  (RHS) received concurrence in
                                           effect on one or more Indian tribe(s) or
                                                                                                   provide in the letter all of the                      conducting MFH’s civil monetary
                                           on either the relationship or the
                                                                                                   information requested in the form. To                 penalty hearings through the
                                           distribution of powers and
                                                                                                   request a copy of the complaint form,                 Administrative Law Judges’ office.
                                           responsibilities between the Federal                                                                            The Agency expects about 50 CMP
                                                                                                   call (866) 632–9992. Submit your
                                           Government and the Indian tribes. Thus,                                                                       cases annually.
                                                                                                   completed form or letter to USDA by:
                                           the rule is not subject to the
                                                                                                     (1) Mail: U.S. Department of                        II. Summary of Comments and
                                           requirements of Executive Order 13175.
                                                                                                   Agriculture, Office of the Assistant                  Responses
                                           If tribal leaders are interested in
                                                                                                   Secretary for Civil Rights, 1400
                                           consulting with RHS on this rule, they                                                                           On January 4, 2013 (78 FR 672), the
                                                                                                   Independence Avenue SW.,
                                           are encouraged to contact USDA’s Office                                                                       Agency published a proposed rule for
                                                                                                   Washington, DC 20250–9410;
                                           of Tribal Relations or Rural                              (2) fax: (202) 690–7442; or                         Civil Monetary Penalties. A thirty-day
                                           Development’s Native American                             (3) email: program.intake@usda.gov.                 comment period that ended February 4,
                                           Coordinator at (720) 544–2911 or                          USDA is an equal opportunity                        2013, was provided. Fifty-one
                                           AIAN@wdc.usda.gov to request such                       provider, employer, and lender.                       comments were received from eleven
                                           consultation.                                                                                                 stakeholders, including housing
                                                                                                   I. Background                                         associations, housing advocates, and
                                           Executive Order 12372,
                                           Intergovernmental Review of Federal                        Section 543(b) of the Housing Act of               individuals. RHS is also including five
                                           Programs                                                1949 as amended (hereinafter the Act)                 comments relating to civil monetary
                                                                                                   (42 U.S.C. 1490s(b)) states for 5 different           penalties received from an interim rule
                                              This final rule is subject to the                    types of violations, ‘‘the Secretary may,             titled ‘‘Reinvention of the Sections 514,
                                           provisions of Executive Order 12372                     after notice and opportunity for a                    515, 516 and 521 Multi-Family Housing
                                           which require intergovernmental                         hearing, impose a civil monetary                      Programs’’, which was published on
                                           consultation with State and local                       penalty (CMP) against any individual or               November 26, 2004 (69 FR 69032–
                                           officials. RHS conducts                                 entity, including its owners, officers,               69176). Of the comments received, two
                                           intergovernmental consultations for                     directors, general partners, limited                  comments were deemed not relevant to
                                           each loan and grant in a manner                         partners, or employees, who knowingly                 the rule, as the comments were not
                                           delineated in 7 CFR part 3015 subpart                   and materially violate, or participate in             related to the CMP proposed rule.
                                           V.                                                      the violation of the Act or its                          The Agency will adopt the following
                                                                                                   regulations.’’                                        comments:
                                           Non-Discrimination Statement
                                                                                                      In the proposed rule published in the                 Duplication and vagueness of CMP/
                                              In accordance with Federal civil                     Federal Register on January 4, 2013 (78               PFCRA: Twenty-one comments
                                           rights law and U.S. Department of                       FR 672) RHS proposed to implement                     mentioned that the proposed rule was
                                           Agriculture (USDA) civil rights                         two civil monetary penalty provisions.                broad and vague. Comments expressed
                                           regulations and policies, the USDA, its                 First, RHS proposed to amend its                      concern about the duplication and
                                           Agencies, offices, and employees, and                   regulations to create a new section for               overlap of existing rules created by the
                                           institutions participating in or                        imposing civil monetary penalties under               proposed rule. Several commenters
                                           administering USDA programs are                         the authority of 42 U.S.C. 1490s (section             requested that the Agency explain the
                                           prohibited from discriminating based on                 543 of the Housing Act of 1949, as                    need for Program Fraud Civil Remedies
                                           race, color, national origin, religion, sex,            amended (Act)) (Housing Act CMP).                     Act (PFCRA) in the proposed rule. The
                                           gender identification (including gender                 Second, RHS proposed to adopt the                     Agency has reviewed the comments and
                                           expression), sexual orientation,                        USDA civil monetary penalty provisions                agrees that the inclusion of PFCRA
                                           disability, age, marital status, family/                for the Program Fraud Civil Remedies                  provisions in the proposed rule created
                                           parental status, income derived from a                  Act of 1986 (PFCRA) in a revision to an               repetition and overlap, so they have
                                           public assistance program political                     existing regulation (PFCRA CMP). In the               been removed. Accordingly, the Agency
                                           beliefs, or reprisal or retaliation for prior           proposed rule, RHS addressed the                      has determined that 7 CFR part 1,
                                           civil rights activity, in any program or                following issues for CMP:                             subpart L, Procedures Related to
                                           activity conducted or funded by USDA                       1. Procedures for the determination of             Administrative Hearings Under the
                                           (not all bases apply to all programs).                  the civil monetary penalties;                         Program Fraud Civil Remedies Act of
                                           Remedies and complaint filing                              2. Procedures for the administrative               1986, will be replaced with references to
                                           deadlines vary by program or incident.                  hearing;                                              7 CFR part 1, subpart H—Rules of
                                              Persons with disabilities who require                   3. Establishing fines; and                         Practice Governing Formal Adjudicatory
                                           alternative means of communication for                     4. Procedures for the collection of                Proceedings Instituted by the Secretary
                                           program information (e.g., Braille, large               fines.                                                Under Various Statutes.
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                                           print, audiotape, American Sign                            In the final rule, Multi-Family                       The majority of borrowers and
                                           Language, etc.) should contact the                      Housing (MFH) will set out procedures                 management agents within the
                                           responsible Agency or USDA’s TARGET                     to use the USDA Administrative Law                    multifamily portfolio comply with
                                           Center at (202) 720–2600 (voice and                     Judges’ office to conduct the hearings                Agency regulations and procedures and
                                           TTY) or contact USDA through the                        for the civil monetary penalty program.               will not be affected by this rule. We
                                           Federal Relay Service at (800) 877–8339.                The Administrative Laws Judges                        estimate that less than five percent of


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                                                             Federal Register / Vol. 81, No. 163 / Tuesday, August 23, 2016 / Rules and Regulations                                         57441

                                           the multifamily portfolio will be                       findings or deficiencies by working with              non-profit obtains a property through a
                                           affected by the CMP rule.                               the State Director and Agency staff prior             transfer and assumption.
                                              CMP Process: Ten comments                            through its regulatory loan servicing                    The Agency does not see a need to
                                           expressed concerns about the CMP                        procedures prior to a CMP hearing. As                 adopt the comment because all
                                           process. Those concerns included:                       with other loan servicing actions, the                borrowers, including non-profits, are
                                              • Two comments concerning the                        Agency will complete its loan servicing               required to adhere to the requirements
                                           timeliness and use of the Attorney                      pursuant to 7 CFR part 3560 of the                    of 7 CFR part 3560. In addition, MFH
                                           General. The concern was that the use                   Borrower’s loan account before pursuing               will work with the non-profits to assist
                                           of the United States Attorney’s office                  civil monetary penalties. Pursuant to 7               them in bringing the properties into
                                           could take years delaying completion of                 CFR 3560.456(b), the Agency will make                 compliance with MFH regulations. As a
                                           any civil monetary penalty against the                  a determination on whether to proceed                 result, MFH does not think it is
                                           individual or entity.                                   with an acceleration or seek CMPs. The                necessary to implement a 24 month
                                              • One commenter raised a concern                     Office of General Counsel will review                 grace period.
                                           about the role of the Office of General                 the cases to ensure legal sufficiency as
                                           Counsel (OGC) and its impact on the                                                                              Liability Concerns: One commenter
                                                                                                   well as represent the Agency on any
                                           length of time for completing a CMP                                                                           expressed concerns about liability in the
                                                                                                   cases that they recommend to move
                                           case and whether it had adequate                        forward. Once forwarded, the timing of                case of a Limited Liability Corporation
                                           staffing to handle such matters.                        the process will be incumbent on the                  (LLC) and whether the tenant could be
                                              • One comment requested clearer                      caseload of the Office of the                         liable. It is ultimately the borrower’s
                                           guidance on the role and process of the                 Administrative Law Judges.                            responsibility to remain compliant with
                                           Fraud Claims Officer, and the                              The Agency will amend                              the program regulations. False
                                           designation of the reviewing official.                  § 3560.461(b)(2) adding references to 7               information provided by the tenant
                                              • One comment objected to the pre-                   CFR part 1 subpart H-Rules of Practice                resulting in unauthorized benefits may
                                           penalty notices warning that a penalty                  Governing Formal Adjudicatory                         be pursued under 7 CFR part 3560,
                                           may be coming if the Agency did not                     Proceedings Instituted by the Secretary               subpart O—Unauthorized Assistance.
                                           receive adequate performance.                           Under Various Statutes. In response to                The Agency will determine borrower
                                              • Five comments were received that                   comments concerning duplicity, due                    liability on a case-by-case basis and as
                                           raised concerns about the complicated                   process and procedural concerns the                   the regulation and law allows. A Tenant
                                           methodology of the process, ambiguous                   Agency determined it will use its                     may be liable under the CMP and is
                                           deadlines, and the standards for                        authority in section 543(b) Housing Act               subject to the requirements of this rule.
                                           maintaining a property.                                 authority and this subpart rather than 7                 Lack of Resources: One commenter
                                              • Another comment suggested that                     CFR part 1, subpart L.                                requested that the rule clarify that civil
                                           the rule clearly limit which portions of                   CMP Fees: Three commenters                         monetary penalties will not be sought or
                                           Part 1 apply so, for example, the Agency                expressed concerns about the fee                      assessed under circumstances where the
                                           is clear that it is not seeking to take on              structure and its reasonableness. As                  primary cause of a failure to properly
                                           the Office of Inspector General (OIG)                   described in the proposed rule, the CMP               manage or maintain a project results
                                           investigation powers, but is still                      fees will be assessed in accordance with              from a lack of available funds where the
                                           providing full and adequate discovery                   7 CFR part 3, subpart I. The                          borrower has requested rental increases
                                           and hearing procedures.                                 Administrative Law Judge will use the                 or additional loans or grants in order to
                                              • Another commenter suggested an                     criteria in the final rule and the                    maintain and repair the project, but
                                           initial process using the State Director                requirements in section 3.91(b)(8) to                 such requests have been denied. The
                                           or Program Director.                                    determine the fees. The Agency believes               Agency understands the commenter’s
                                              • The Agency considered all of the                   that the fees set in the final rule will be           concern. The Agency is choosing not to
                                           comments above and changed the rule                     reasonable. With the threshold of the                 adopt the comment because the Agency
                                           by enlisting the Office of Administrative               fees independently established in USDA                is confident it can work with borrowers
                                           Law Judges to administer civil monetary                 regulation and the assessment of the                  on tools that are available, which may
                                           hearings to address the concerns of due                 CMP fees imposed by the                               include rent increases in accordance
                                           process. References to the Fraud Office,                Administrative Law Judges, the Agency                 with 7 CFR part 3560, subpart E and
                                           of which there is no equivalent in USDA                 believes these measures eliminate any                 other servicing options available under
                                           have been removed. No specific pre-                     potential RHS subjectivity or bias.                   subpart J.
                                           penalty notice will be provided. Instead                   • Failure to Disclose: One commenter
                                           the Agency will use servicing letters in                requested that the Agency add a section               List of Subjects in 7 CFR Part 3560
                                           the existing guidance provided in the                   to the rule that specifies the failure to               Aged, Loan programs—Agriculture,
                                           Serving Handbook. The Administrative                    disclose proper identity-of-interest                  Loan programs—Housing and
                                           Law Judges conduct similar hearings for                 information on site managers and                      Community Development, Low and
                                           other U.S. Department of Agriculture                    contractors as a cause to impose CMP.                 moderate income housing, Public
                                           agencies. The Administrative Law                        We agree this should be included and                  housing, Rent subsidies.
                                           Judges’ regulations allow within its                    have adopted the comment. This
                                           jurisdiction, ‘‘other adjudicatory                      requirement is addressed in                             For the reasons set forth in the
                                           proceedings in which the complaint                      § 3560.461(b)(1)(iii) entitled, ‘‘Failing to          preamble, chapter XXXV, Title 7 of the
                                           instituting the proceeding so provides                  submit information requested by the                   Code of Federal Regulations is amended
                                           with the concurrence of the Assistant                   Agency in a timely manner.’’                          as follows:
                                           Secretary for Administration.’’ See 7                      The Agency will not adopt the
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                                           CFR 1.131(b)(6). The Agency process                     following comments:                                   PART 3560—DIRECT MULTI-FAMILY
                                           will be similar to that used by                            Non-profits: Six commenters were                   HOUSING LOANS AND GRANTS
                                           Investigative and Enforcement Services                  concerned about the negative impact of
                                           of the Animal and Plant Health                          the rule on non-profit borrowers. Some                ■ 1. The authority citation for part 3560
                                           Inspection Service (APHIS). Borrowers                   requested exempt status or a 24-month                 continues to read as follows:
                                           will have an opportunity to resolve the                 grace period for implementation when a                    Authority: 42 U.S.C. 1480.



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                                           57442               Federal Register / Vol. 81, No. 163 / Tuesday, August 23, 2016 / Rules and Regulations

                                           Subpart J—Special Servicing,                              Federal Civil Penalties Inflation                     type description, and includes changes
                                           Enforcement, Liquidation, and Other                       Adjustment Act Improvements Act of                    previously incorporated in Amendment
                                           Actions                                                   2015, which was signed into law on                    No. 0 to CoC No. 1032, Revision 1. In
                                                                                                     November 2, 2015. DHS is correcting an                addition, Amendment No. 2 makes
                                           ■ 2. Amend § 3560.461 by revising                         error in the amendatory instruction                   several other changes as described in
                                           paragraphs (b)(2) and (b)(4) to read as                   related to one regulatory section.                    Section IV, ‘‘Discussion of Changes,’’ in
                                           follows:                                                  DATES: This correction is effective on                the SUPPLEMENTARY INFORMATION section
                                                                                                     August 23, 2016.                                      of this document.
                                           § 3560.461       Enforcement provisions.
                                                                                                     FOR FURTHER INFORMATION CONTACT:                      DATES: The direct final rule is effective
                                           *       *    *    *      *                                                                                      November 7, 2016, unless significant
                                              (b) * * *                                              Megan Westmoreland, Attorney-
                                                                                                     Advisor, Office of the General Counsel,               adverse comments are received by
                                              (2) Amount. Civil penalties shall be                                                                         September 22, 2016. If the direct final
                                           assessed in accordance with 7 CFR part                    U.S. Department of Homeland Security.
                                                                                                     Phone: 202–447–4384.                                  rule is withdrawn as a result of such
                                           3, subpart I. In determining the amount                                                                         comments, timely notice of the
                                           of a civil monetary penalty under this                    SUPPLEMENTARY INFORMATION: In FR Doc.
                                                                                                     2016–15673, appearing on page 42987                   withdrawal will be published in the
                                           section, the Agency must take into                                                                              Federal Register. Comments received
                                           consideration:                                            in the Federal Register of Friday, July
                                                                                                     1, 2016, DHS makes the following                      after this date will be considered if it is
                                              (i) The gravity of the offense;                                                                              practical to do so, but the Commission
                                              (ii) Any history of prior offenses by                  correction:
                                                                                                                                                           is able to ensure consideration only for
                                           the violator (including offenses                          § 274a.10    [Corrected]                              comments received on or before this
                                           occurring prior to the enactment of this                                                                        date. Comments received on this direct
                                           section);                                                 ■  1. On page 43002, in the first column,
                                                                                                     in part 274a Control of Employment of                 final rule will also be considered to be
                                              (iii) Any injury to tenants;                                                                                 comments on a companion proposed
                                              (iv) Any injury to the public;                         Aliens, in amendment 7, DHS corrects
                                                                                                     the instruction ‘‘In § 274a.10, revise                rule published in the Proposed Rules
                                              (v) Any benefits received by the                                                                             section of this issue of the Federal
                                           violator as a result of the violation;                    paragraphs (b)(1)(ii)(A),(B),(C), and
                                                                                                     (b)(1)(iii)(2) to read as follows:’’ to read          Register.
                                              (vi) Deterrence of future violations;
                                           and                                                       ‘‘In § 274a.10, revise paragraphs                     ADDRESSES: You may submit comments
                                              (vii) Such other factors as the Agency                 (b)(1)(ii)(A),(B),(C), and (b)(2) to read as          by any of the following methods (unless
                                           may establish by regulation.                              follows:’’                                            this document describes a different
                                           *       *    *    *      *                                  Dated: August 11, 2016.                             method for submitting comments on a
                                              (4) Hearings under this part shall be                                                                        specific subject):
                                                                                                     Christina E. McDonald,
                                                                                                                                                              • Federal Rulemaking Web site: Go to
                                           conducted in accordance with the                          Associate General Counsel for Regulatory              http://www.regulations.gov and search
                                           procedures applicable to hearings in                      Affairs.
                                                                                                                                                           for Docket ID NRC–2016–0103. Address
                                           accordance with 7 CFR part 1, subpart                     [FR Doc. 2016–19672 Filed 8–22–16; 8:45 am]
                                                                                                                                                           questions about NRC dockets to Carol
                                           H.                                                        BILLING CODE 9111–28–P                                Gallagher; telephone: 301–415–3463;
                                           *       *    *    *      *                                                                                      email: Carol.Gallagher@nrc.gov. For
                                             Dated: July 25, 2016.                                                                                         technical questions contact the
                                           Tony Hernandez,                                           NUCLEAR REGULATORY                                    individual listed in the FOR FURTHER
                                           Administrator, Rural Housing Service.                     COMMISSION                                            INFORMATION CONTACT section of this
                                           [FR Doc. 2016–19954 Filed 8–22–16; 8:45 am]                                                                     document.
                                                                                                     10 CFR Part 72                                           • Email comments to:
                                           BILLING CODE 3410–XV–P
                                                                                                     [NRC–2016–0103]                                       Rulemaking.Comments@nrc.gov. If you
                                                                                                                                                           do not receive an automatic email reply
                                                                                                     RIN 3150–AJ75
                                                                                                                                                           confirming receipt, then contact us at
                                           DEPARTMENT OF HOMELAND                                                                                          301–415–1677.
                                                                                                     List of Approved Spent Fuel Storage
                                           SECURITY                                                                                                           • Fax comments to: Secretary, U.S.
                                                                                                     Casks: Holtec International HI–STORM
                                                                                                                                                           Nuclear Regulatory Commission at 301–
                                           8 CFR Part 274a                                           Flood/Wind Multipurpose Canister
                                                                                                                                                           415–1101.
                                                                                                     Storage System, Amendment No. 2
                                           [Docket No. DHS–2016–0034]                                                                                         • Mail comments to: Secretary, U.S.
                                                                                                     AGENCY: Nuclear Regulatory                            Nuclear Regulatory Commission,
                                           RIN 1601–AA80                                                                                                   Washington, DC 20555–0001, ATTN:
                                                                                                     Commission.
                                                                                                     ACTION: Direct final rule.                            Rulemakings and Adjudications Staff.
                                           Civil Monetary Penalty Adjustments for                                                                             • Hand deliver comments to: 11555
                                           Inflation; Correction                                                                                           Rockville Pike, Rockville, Maryland
                                                                                                     SUMMARY:   The U.S. Nuclear Regulatory
                                           AGENCY:  Department of Homeland                           Commission (NRC) is amending its                      20852, between 7:30 a.m. and 4:15 p.m.
                                           Security.                                                 spent fuel storage regulations by                     (Eastern Time) Federal workdays;
                                           ACTION: Interim final rule; correction.                   revising the ‘‘List of Approved Spent                 telephone: 301–415–1677.
                                                                                                     Fuel Storage Casks’’ to include                          For additional direction on obtaining
                                           SUMMARY:    The Department of Homeland                    Amendment No. 2 to Certificate of                     information and submitting comments,
                                           Security (DHS) is correcting an interim                   Compliance (CoC) No. 1032 for the                     see ‘‘Obtaining Information and
                                           final rule that published in the Federal                  Holtec International (Holtec) HI–                     Submitting Comments’’ in the
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                                           Register on July 1, 2016 (81 FR 42987).                   STORM Flood/Wind (FW) Multipurpose                    SUPPLEMENTARY INFORMATION section of
                                           The rule amended DHS regulations to                       Canister (MPC) Storage System.                        this document.
                                           adjust DHS and component civil                            Amendment No. 2 adds new fuel types                   FOR FURTHER INFORMATION CONTACT:
                                           monetary penalties for inflation. DHS                     to the HI–STORM FW MPC Storage                        Vanessa Cox, Office of Nuclear Material
                                           calculated the adjusted penalties                         System, includes new criticality                      Safety and Safeguards, U.S. Nuclear
                                           according to the statutory formula in the                 calculations, updates an existing fuel                Regulatory Commission, Washington,


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Document Created: 2018-02-09 11:40:07
Document Modified: 2018-02-09 11:40:07
CategoryRegulatory Information
CollectionFederal Register
sudoc ClassAE 2.7:
GS 4.107:
AE 2.106:
PublisherOffice of the Federal Register, National Archives and Records Administration
SectionRules and Regulations
ActionFinal rule.
DatesThis rule is effective September 22, 2016. However, there will be an implementation period for this rule that will allow the Agency to ensure that proper guidance is disseminated. The implementation date is December 21, 2016.
ContactStephanie White, Director, Multi- Family Housing Portfolio Management Division, Rural Housing Service, STOP 0782--Room 1263S, 1400 Independence Avenue SW., Washington, DC 20250-0782, Telephone: (202) 720-1615.
FR Citation81 FR 57439 
RIN Number0575-AC93
CFR AssociatedAged; Loan Programs-Agriculture; Loan Programs-Housing and Community Development; Low and Moderate Income Housing; Public Housing and Rent Subsidies

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