82 FR 51977 - Truth in Lending (Regulation Z)
FEDERAL RESERVE SYSTEM
BUREAU OF CONSUMER FINANCIAL PROTECTION Federal Register Volume 82, Issue 216 (November 9, 2017)
BUREAU OF CONSUMER FINANCIAL PROTECTION
Federal Register Volume 82, Issue 216 (November 9, 2017)
| Page Range | 51977-51979 | |
| FR Document | 2017-24445 |
[Federal Register Volume 82, Number 216 (Thursday, November 9, 2017)] [Rules and Regulations] [Pages 51977-51979] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2017-24445] ----------------------------------------------------------------------- FEDERAL RESERVE SYSTEM 12 CFR Part 226 [Docket No. R-1581] RIN 7100 AE-88 BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1026 [Docket No. CFPB-2017-0027] Truth in Lending (Regulation Z) AGENCY: Board of Governors of the Federal Reserve System (Board); and Bureau of Consumer Financial Protection (Bureau). ACTION: Final rules, official interpretations and commentary. ----------------------------------------------------------------------- SUMMARY: The Board and the Bureau are publishing final rules amending the official interpretations and commentary for the agencies' regulations that implement the Truth in Lending Act (TILA). The Dodd- Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt consumer credit transactions be adjusted annually by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). If there is no annual percentage increase in the CPI-W, the Board and the Bureau will not adjust this exemption threshold from the prior year. However, in years following a year in which the exemption threshold was not adjusted, the threshold is calculated by applying the annual percentage change in the CPI-W to the dollar amount that would have resulted, after rounding, if the decreases and any subsequent increases in the CPI-W had been taken into account. Based on the annual percentage increase in the CPI-W as of June 1, 2017, the exemption threshold will increase from $54,600 to $55,800 effective January 1, 2018. Because the Dodd-Frank Act also requires similar adjustments in the Consumer Leasing Act's threshold for exempt consumer leases, the Board and the Bureau are making similar amendments to each of their respective regulations implementing the Consumer Leasing Act elsewhere in this issue of the Federal Register. DATES: This final rule is effective January 1, 2018. FOR FURTHER INFORMATION CONTACT: Board: Vivian W. Wong, Senior Counsel, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve System, at (202) 452-3667; for users of Telecommunications Device for the Deaf (TDD) only, contact (202) 263-4869. Bureau: Jaclyn Maier, Counsel, Office of Regulations, Consumer Financial Protection Bureau, at (202) 435-7700. SUPPLEMENTARY INFORMATION: I. Background The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act) increased the threshold in the Truth in Lending Act (TILA) for exempt consumer credit transactions,\1\ and the threshold in the [[Page 51978]] Consumer Leasing Act (CLA) for exempt consumer leases, from $25,000 to $50,000, effective July 21, 2011.\2\ In addition, the Dodd-Frank Act requires that, on and after December 31, 2011, these thresholds be adjusted annually for inflation by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), as published by the Bureau of Labor Statistics. In April 2011, the Board issued a final rule amending Regulation Z (which implements TILA) consistent with these provisions of the Dodd-Frank Act, along with a similar final rule amending Regulation M (which implements the CLA) (collectively, the Board Final Threshold Rules).\3\ --------------------------------------------------------------------------- \1\ Although consumer credit transactions above the threshold are generally exempt, loans secured by real property or by personal property used or expected to be used as the principal dwelling of a consumer and private education loans are covered by TILA regardless of the loan amount. See 12 CFR 226.3(b)(1)(i) (Board) and 12 CFR 1026.3(b)(1)(i) (Bureau). \2\ Public Law 111-203, section 1100E, 124 Stat. 1376, 2111 (2010). \3\ 76 FR 18354 (Apr. 4, 2011); 76 FR 18349 (Apr. 4, 2011). --------------------------------------------------------------------------- Title X of the Dodd-Frank Act transferred rulemaking authority for a number of consumer financial protection laws from the Board to the Bureau, effective July 21, 2011. In connection with this transfer of rulemaking authority, the Bureau issued its own Regulation Z implementing TILA, 12 CFR part 1026, substantially duplicating the Board's Regulation Z.\4\ Although the Bureau has the authority to issue rules to implement TILA for most entities, the Board retains authority to issue rules under TILA for certain motor vehicle dealers covered by section 1029(a) of the Dodd-Frank Act, and the Board's Regulation Z continues to apply to those entities.\5\ --------------------------------------------------------------------------- \4\ See 76 FR 79768 (Dec. 22, 2011); 81 FR 25323 (Apr. 28, 2016). \5\ Section 1029(a) of the Dodd-Frank Act states: ``Except as permitted in subsection (b), the Bureau may not exercise any rulemaking, supervisory, enforcement, or any other authority * * * over a motor vehicle dealer that is predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both.'' 12 U.S.C. 5519(a). Section 1029(b) of the Dodd-Frank Act states: ``Subsection (a) shall not apply to any person, to the extent that such person (1) provides consumers with any services related to residential or commercial mortgages or self- financing transactions involving real property; (2) operates a line of business (A) that involves the extension of retail credit or retail leases involving motor vehicles; and (B) in which (i) the extension of retail credit or retail leases are provided directly to consumers; and (ii) the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source; or (3) offers or provides a consumer financial product or service not involving or related to the sale, financing, leasing, rental, repair, refurbishment, maintenance, or other servicing of motor vehicles, motor vehicle parts, or any related or ancillary product or service.'' 12 U.S.C. 5519(b). --------------------------------------------------------------------------- The Board's and the Bureau's regulations,\6\ and their accompanying commentaries, provide that the exemption threshold will be adjusted annually effective January 1 of each year based on any annual percentage increase in the CPI-W that was in effect on the preceding June 1. They further provide that any increase in the threshold amount will be rounded to the nearest $100 increment. For example, if the annual percentage increase in the CPI-W would result in a $950 increase in the threshold amount, the threshold amount will be increased by $1,000. However, if the annual percentage increase in the CPI-W would result in a $949 increase in the threshold amount, the threshold amount will be increased by $900.\7\ Since 2011, the Board and the Bureau have adjusted the Regulation Z exemption threshold annually, in accordance with these rules. --------------------------------------------------------------------------- \6\ 12 CFR 226.3(b)(1)(ii) (Board) and 12 CFR 1026.3(b)(1)(ii) (Bureau). \7\ See comments 3(b)-1 in supplements I of 12 CFR parts 226 and 1026. --------------------------------------------------------------------------- On November 30, 2016, the Board and the Bureau published a final rule in the Federal Register to memorialize the calculation method used by the agencies each year to adjust the exemption threshold to ensure that the values for the exemption threshold keep pace with the CPI-W as contemplated by section 1100E(b) of the Dodd-Frank Act (Regulation Z Adjustment Calculation Rule).\8\ The Regulation Z Adjustment Calculation Rule memorialized the policy that if there is no annual percentage increase in the CPI-W, the Board and Bureau will not adjust the exemption threshold from the prior year. The Regulation Z Adjustment Calculation Rule also provided that in years following a year in which the exemption threshold was not adjusted because there was a decrease in the CPI-W from the previous year, the threshold is calculated by applying the annual percentage change in the CPI-W to the dollar amount that would have resulted, after rounding, if the decreases and any subsequent increases in the CPI-W had been taken into account. If the resulting amount calculated, after rounding, is greater than the current threshold, then the threshold effective January 1 the following year will increase accordingly; if the resulting amount calculated, after rounding, is equal to or less than the current threshold, then the threshold effective January 1 the following year will not change, but future increases will be calculated based on the amount that would have resulted, after rounding. --------------------------------------------------------------------------- \8\ See 81 FR 86260 (Nov. 30, 2016). --------------------------------------------------------------------------- II. 2018 Adjustment and Commentary Revision Effective January 1, 2018, the exemption threshold amount is increased from $54,600 to $55,800. This is based on the CPI-W in effect on June 1, 2017, which was reported on May 12, 2017. The Bureau of Labor Statistics publishes consumer-based indices monthly, but does not report a CPI change on June 1; adjustments are reported in the middle of the prior month. The CPI-W is a subset of the CPI-U index (based on all urban consumers) and represents approximately 28 percent of the U.S. population. The CPI-W reported on May 12, 2017 reflects a 2.1 percent increase in the CPI-W from April 2016 to April 2017. Accordingly, the 2.1 percent increase in the CPI-W from April 2016 to April 2017 results in an exemption threshold amount of $55,800. The Board and the Bureau are revising the commentaries to their respective regulations to add new comment 3(b)-3.ix to state that, from January 1, 2018 through December 31, 2018, the threshold amount is $55,800. These revisions are effective January 1, 2018. III. Regulatory Analysis Administrative Procedure Act Under the Administrative Procedure Act, notice and opportunity for public comment are not required if the Board and the Bureau find that notice and public comment are impracticable, unnecessary, or contrary to the public interest.\9\ The amendments in this rule are technical and apply the method previously set forth in the Board Final Threshold Rules and the Regulation Z Adjustment Calculation Rule. For these reasons, the Board and the Bureau have determined that publishing a notice of proposed rulemaking and providing opportunity for public comment are unnecessary. Therefore, the amendments are adopted in final form. --------------------------------------------------------------------------- \9\ 5 U.S.C. 553(b)(B). --------------------------------------------------------------------------- Regulatory Flexibility Act The Regulatory Flexibility Act (RFA) does not apply to a rulemaking where a general notice of proposed rulemaking is not required.\10\ As noted previously, the agencies have determined that it is unnecessary to publish a general notice of proposed rulemaking for this joint final rule. Accordingly, the RFA's requirements relating to an initial and [[Page 51979]] final regulatory flexibility analysis do not apply. --------------------------------------------------------------------------- \10\ 5 U.S.C. 603 and 604. --------------------------------------------------------------------------- Paperwork Reduction Act In accordance with the Paperwork Reduction Act of 1995,\11\ the agencies reviewed this final rule. No collections of information pursuant to the Paperwork Reduction Act are contained in the final rule. --------------------------------------------------------------------------- \11\ 44 U.S.C. 3506; 5 CFR part 1320. --------------------------------------------------------------------------- List of Subjects 12 CFR Part 226 Advertising, Consumer protection, Federal Reserve System, Reporting and recordkeeping requirements, Truth in lending. 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. BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM Authority and Issuance For the reasons set forth in the preamble, the Board amends Regulation Z, 12 CFR part 226, as set forth below: PART 226--TRUTH IN LENDING (REGULATION Z) 0 1. The authority citation for part 226 continues to read as follows: Authority: 12 U.S.C. 3806; 15 U.S.C. 1604, 1637(c)(5), 1639(l) and 1639h; Pub. L. 111-24, section 2, 123 Stat. 1734; Pub. L. 111- 203, 124 Stat. 1376. Subpart A--General 0 2. In supplement I to part 226, under Section 226.3--Exempt Transactions, under 3(b) Credit over applicable threshold amount, paragraph 3.ix is added to read as follows: Supplement I to Part 226--Official Staff Interpretations * * * * * Subpart A--General * * * * * Section 226.3--Exempt Transactions * * * * * 3(b) Credit Over Applicable Threshold Amount * * * * * 3. * * * ix. From January 1, 2018 through December 31, 2018, the threshold amount is $55,800. * * * * * BUREAU OF CONSUMER FINANCIAL PROTECTION Authority and Issuance For the reasons set forth in the preamble, the Bureau amends Regulation Z, 12 CFR part 1026, as set forth below: PART 1026--TRUTH IN LENDING (REGULATION Z) 0 3. The authority citation for part 1026 continues to read as follows: Authority: 12 U.S.C. 2601, 2603-2605, 2607, 2609, 2617, 3353, 5511, 5512, 5532, 5581; 15 U.S.C. 1601 et seq. 0 4. In supplement I to part 1026, under Section 1026.3--Exempt Transactions, under 3(b) Credit Over Applicable Threshold Amount, paragraph 3.ix is added to read as follows: Supplement I to Part 1026--Official Interpretations * * * * * Subpart A--General * * * * * Section 1026.3--Exempt Transactions * * * * * 3(b) Credit Over Applicable Threshold Amount * * * * * 3. * * * ix. From January 1, 2018 through December 31, 2018, the threshold amount is $55,800. * * * * * By order of the Board of Governors of the Federal Reserve System, acting through the Secretary of the Board under delegated authority, November 2, 2017. Ann E. Misback, Secretary of the Board. Dated: September 7, 2017. Richard Cordray, Director, Bureau of Consumer Financial Protection. [FR Doc. 2017-24445 Filed 11-8-17; 8:45 am] BILLING CODE 4810-AM-P 6210-01-P
![Federal Register / Vol. 82, No. 216 / Thursday, November 9, 2017 / Rules and Regulations 51977
opportunity for public comment are ix. From January 1, 2018 through December ACTION: Final rules, official
unnecessary. Therefore, the 31, 2018, the threshold amount is $55,800. interpretations and commentary.
amendments are adopted in final form. * * * * *
SUMMARY: The Board and the Bureau are
Regulatory Flexibility Act BUREAU OF CONSUMER FINANCIAL publishing final rules amending the
PROTECTION official interpretations and commentary
The Regulatory Flexibility Act (RFA)
does not apply to a rulemaking where a Authority and Issuance for the agencies’ regulations that
general notice of proposed rulemaking implement the Truth in Lending Act
For the reasons set forth in the
is not required.10 As noted previously, (TILA). The Dodd-Frank Wall Street
preamble, the Bureau amends
the agencies have determined that it is Reform and Consumer Protection Act
Regulation M, 12 CFR part 1013, as set
unnecessary to publish a general notice (Dodd-Frank Act) amended TILA by
forth below:
of proposed rulemaking for this joint requiring that the dollar threshold for
final rule. Accordingly, the RFA’s PART 1013—CONSUMER LEASING exempt consumer credit transactions be
requirements relating to an initial and (REGULATION M) adjusted annually by the annual
final regulatory flexibility analysis do percentage increase in the Consumer
not apply. ■ 3. The authority citation for part 1013 Price Index for Urban Wage Earners and
continues to read as follows: Clerical Workers (CPI–W). If there is no
Paperwork Reduction Act annual percentage increase in the CPI–
Authority: 15 U.S.C. 1604 and 1667f; Pub.
In accordance with the Paperwork L. 111–203 section 1100E, 124 Stat. 1376. W, the Board and the Bureau will not
Reduction Act of 1995,11 the agencies ■ 4. In Supplement I to part 1013, under adjust this exemption threshold from
reviewed this final rule. No collections Section 1013.2—Definitions, under the prior year. However, in years
of information pursuant to the 2(e)—Consumer Lease, paragraph 11.ix following a year in which the exemption
Paperwork Reduction Act are contained is added to read as follows: threshold was not adjusted, the
in the final rule. threshold is calculated by applying the
Supplement I to Part 1013—Official annual percentage change in the CPI–W
List of Subjects Interpretations to the dollar amount that would have
12 CFR Part 213 * * * * * resulted, after rounding, if the decreases
and any subsequent increases in the
Advertising, Consumer leasing, Section 1013.2—Definitions CPI–W had been taken into account.
Consumer protection, Federal Reserve * * * * * Based on the annual percentage increase
System, Reporting and recordkeeping
2(e) Consumer Lease in the CPI–W as of June 1, 2017, the
requirements.
* * * * * exemption threshold will increase from
12 CFR Part 1013 11. * * * $54,600 to $55,800 effective January 1,
Advertising, Consumer leasing, ix. From January 1, 2018 through December 2018. Because the Dodd-Frank Act also
31, 2018, the threshold amount is $55,800. requires similar adjustments in the
Reporting and recordkeeping
requirements, Truth in lending. * * * * * Consumer Leasing Act’s threshold for
By order of the Board of Governors of the exempt consumer leases, the Board and
BOARD OF GOVERNORS OF THE Federal Reserve System, acting through the the Bureau are making similar
FEDERAL RESERVE SYSTEM Secretary of the Board under delegated amendments to each of their respective
Authority and Issuance authority, November 2, 2017. regulations implementing the Consumer
Ann E. Misback, Leasing Act elsewhere in this issue of
For the reasons set forth in the Secretary of the Board. the Federal Register.
preamble, the Board amends Regulation DATES: This final rule is effective
Dated: September 7, 2017.
M, 12 CFR part 213, as set forth below: January 1, 2018.
Richard Cordray,
PART 213—CONSUMER LEASING Director, Bureau of Consumer Financial FOR FURTHER INFORMATION CONTACT:
(REGULATION M) Protection. Board: Vivian W. Wong, Senior
[FR Doc. 2017–24411 Filed 11–8–17; 8:45 am] Counsel, Division of Consumer and
■ 1. The authority citation for part 213 BILLING CODE 4810–AM–P 6210–01–P Community Affairs, Board of Governors
continues to read as follows: of the Federal Reserve System, at (202)
Authority: 15 U.S.C. 1604 and 1667f; Pub. 452–3667; for users of
L. 111–203 section 1100E, 124 Stat. 1376. FEDERAL RESERVE SYSTEM Telecommunications Device for the Deaf
(TDD) only, contact (202) 263–4869.
■ 2. In Supplement I to part 213, under 12 CFR Part 226 Bureau: Jaclyn Maier, Counsel, Office
Section 213.2—Definitions, under 2(e) of Regulations, Consumer Financial
Consumer Lease, paragraph 11.ix is [Docket No. R–1581]
Protection Bureau, at (202) 435–7700.
added to read as follows: RIN 7100 AE–88 SUPPLEMENTARY INFORMATION:
Supplement I to Part 213—Official Staff BUREAU OF CONSUMER FINANCIAL I. Background
Interpretations PROTECTION The Dodd-Frank Wall Street Reform
* * * * * and Consumer Protection Act of 2010
12 CFR Part 1026
Section 213.2—Definitions (Dodd-Frank Act) increased the
threshold in the Truth in Lending Act
nshattuck on DSK9F9SC42PROD with RULES
* * * * * [Docket No. CFPB–2017–0027]
2(e) Consumer Lease
(TILA) for exempt consumer credit
Truth in Lending (Regulation Z) transactions,1 and the threshold in the
* * * * *
11. * * * AGENCY: Board of Governors of the 1 Although consumer credit transactions above
Federal Reserve System (Board); and the threshold are generally exempt, loans secured
10 5 U.S.C. 603 and 604. Bureau of Consumer Financial by real property or by personal property used or
11 44 U.S.C. 3506; 5 CFR 1320. Protection (Bureau). Continued
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![Federal Register / Vol. 82, No. 216 / Thursday, November 9, 2017 / Rules and Regulations 51979
final regulatory flexibility analysis do BUREAU OF CONSUMER FINANCIAL Final rule; request for
ACTION:
not apply. PROTECTION comments.
Paperwork Reduction Act Authority and Issuance SUMMARY: We are superseding
In accordance with the Paperwork For the reasons set forth in the Emergency Airworthiness Directive
Reduction Act of 1995,11 the agencies preamble, the Bureau amends (AD) 2017–21–51 for all Engine Alliance
reviewed this final rule. No collections Regulation Z, 12 CFR part 1026, as set (EA) GP7200 series turbofan engines.
of information pursuant to the forth below: AD 2017–21–51 was sent previously to
Paperwork Reduction Act are contained all known U.S. owners and operators of
in the final rule. PART 1026—TRUTH IN LENDING GP7200 series turbofan engines. AD
(REGULATION Z) 2017–21–51 required visual inspections
List of Subjects of all fan hubs for damage. This AD
■ 3. The authority citation for part 1026 retains the same required actions as AD
12 CFR Part 226
continues to read as follows: 2017–21–51 and clarifies the
Advertising, Consumer protection, Authority: 12 U.S.C. 2601, 2603–2605, compliance requirements. This AD was
Federal Reserve System, Reporting and 2607, 2609, 2617, 3353, 5511, 5512, 5532, prompted by the failure of a GP7200 fan
recordkeeping requirements, Truth in 5581; 15 U.S.C. 1601 et seq. hub. We are issuing this AD to address
lending. the unsafe condition on these products.
■ 4. In supplement I to part 1026, under
12 CFR Part 1026 Section 1026.3—Exempt Transactions, DATES: This AD is effective November
under 3(b) Credit Over Applicable 24, 2017.
Advertising, Appraisal, Appraiser, The Director of the Federal Register
Banking, Banks, Consumer protection, Threshold Amount, paragraph 3.ix is
added to read as follows: approved the incorporation by reference
Credit, Credit unions, Mortgages, of a certain publication listed in this AD
National banks, Reporting and Supplement I to Part 1026—Official as of November 24, 2017.
recordkeeping requirements, Savings Interpretations We must receive any comments on
associations, Truth in lending. this AD by December 26, 2017.
* * * * *
BOARD OF GOVERNORS OF THE ADDRESSES: You may send comments,
Subpart A—General
FEDERAL RESERVE SYSTEM using the procedures found in 14 CFR
* * * * * 11.43 and 11.45, by any of the following
Authority and Issuance
Section 1026.3—Exempt Transactions methods:
For the reasons set forth in the * * * * * • Federal eRulemaking Portal: Go to
preamble, the Board amends Regulation http://www.regulations.gov. Follow the
Z, 12 CFR part 226, as set forth below: 3(b) Credit Over Applicable Threshold
instructions for submitting comments.
Amount
• Fax: 202–493–2251.
PART 226—TRUTH IN LENDING * * * * * • Mail: U.S. Department of
(REGULATION Z) 3. * * * Transportation, Docket Operations, M–
ix. From January 1, 2018 through December
30, West Building Ground Floor, Room
■ 1. The authority citation for part 226 31, 2018, the threshold amount is $55,800.
W12–140, 1200 New Jersey Avenue SE.,
continues to read as follows: * * * * * Washington, DC 20590.
Authority: 12 U.S.C. 3806; 15 U.S.C. 1604, By order of the Board of Governors of the • Hand Delivery: U.S. Department of
1637(c)(5), 1639(l) and 1639h; Pub. L. 111– Federal Reserve System, acting through the Transportation, Docket Operations, M–
24, section 2, 123 Stat. 1734; Pub. L. 111– Secretary of the Board under delegated 30, West Building Ground Floor, Room
203, 124 Stat. 1376. authority, November 2, 2017. W12–140, 1200 New Jersey Avenue SE.,
Ann E. Misback, Washington, DC 20590, between 9 a.m.
Subpart A—General Secretary of the Board. and 5 p.m., Monday through Friday,
■ 2. In supplement I to part 226, under Dated: September 7, 2017. except Federal holidays.
Section 226.3—Exempt Transactions, Richard Cordray, For service information identified in
under 3(b) Credit over applicable Director, Bureau of Consumer Financial this final rule, contact Engine Alliance,
threshold amount, paragraph 3.ix is Protection. 400 Main St., East Hartford, CT 06108,
added to read as follows: [FR Doc. 2017–24445 Filed 11–8–17; 8:45 am] M/S 169–10; phone: 800–565–0140;
BILLING CODE 4810–AM–P 6210–01–P
email: help24@pw.utc.com; Web site:
Supplement I to Part 226—Official Staff www.engineallianceportal.com. You
Interpretations may view this service information at the
* * * * * FAA, Engine and Propeller Standards
DEPARTMENT OF TRANSPORTATION Branch, 1200 District Avenue,
Subpart A—General Burlington, MA. For information on the
Federal Aviation Administration
* * * * * availability of this material at the FAA,
Section 226.3—Exempt Transactions call 781–238–7125. It is also available
14 CFR Part 39
on the Internet at http://
* * * * *
[Docket No. FAA–2017–0988; Product www.regulations.gov by searching for
3(b) Credit Over Applicable Threshold Identifier 2017–NE–37–AD; Amendment 39– and locating Docket No. FAA–2017–
Amount 19097; AD 2017–23–03] 0988.
nshattuck on DSK9F9SC42PROD with RULES
* * * * *
3. * * * RIN 2120–AA64 Examining the AD Docket
ix. From January 1, 2018 through December You may examine the AD docket on
31, 2018, the threshold amount is $55,800. Airworthiness Directives; Engine
Alliance Turbofan Engines the Internet at http://
* * * * * www.regulations.gov by searching for
AGENCY:Federal Aviation and locating Docket No. FAA–2017–
11 44 U.S.C. 3506; 5 CFR part 1320. Administration (FAA), DOT. 0988; or in person at the Docket
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Document Created: 2018-10-25 10:28:50
Document Modified: 2018-10-25 10:28:50
| 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 rules, official interpretations and commentary. | |
| Dates | This final rule is effective January 1, 2018. | |
| Contact | Board: Vivian W. Wong, Senior Counsel, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve System, at (202) 452-3667; for users of Telecommunications Device for the Deaf (TDD) only, contact (202) 263-4869. | |
| FR Citation | 82 FR 51977 | |
| RIN Number | 7100 AE88 | |
| CFR Citation | 12
CFR
1026 12 CFR 226 | |
| CFR Associated | Appraisal; Appraiser; Banking; Banks; Credit; Credit Unions; Mortgages; National Banks; Savings Associations; Advertising; Consumer Protection; Federal Reserve System; Reporting and Recordkeeping Requirements and Truth in Lending |
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