This section of the FEDERAL REGISTER

contains notices to the public of the proposed

issuance of rules and regulations. The

purpose of these notices is to give interested

persons an opportunity to participate in the

rule making prior to the adoption of the final

rules.

Proposed Rules Federal Register

66163 

Vol. 83, No. 246 

Wednesday, December 26, 2018 

NATIONAL FOUNDATION ON THE 

ARTS AND THE HUMANITIES 

Institute of Museum and Library 

Services 

2 CFR Part 3187 

45 CFR Parts 1181, 1182 and 1184 

RIN 3137–AA25 

Freedom of Information Act 

Regulations and Additional Incidental 

Technical Amendments to Other IMLS 

Regulations 

AGENCY: Institute of Museum and 

Library Services (IMLS or Institute), 

National Foundation on the Arts and the 

Humanities, NFAH. 

ACTION: Proposed rule. 

SUMMARY: This rulemaking would revise 

the regulations that the Institute of 

Museum and Library Services (IMLS) 

follows in processing records under the 

Freedom of Information Act, in part to 

comply with the FOIA Improvement Act 

of 2016, and otherwise would revise all 

current IMLS regulations to reflect the 

agency’s change of address, update 

outdated information and ensure 

consistency within each regulation and 

across all IMLS regulations. The 

revisions to IMLS FOIA regulations 

would clarify and update procedures for 

requesting information from IMLS and 

procedures that IMLS follows in 

responding to requests from the public. 

The revisions to other IMLS regulations 

would update the citation for the Age 

Discrimination Act of 1975, reflect the 

agency’s change of address, and update 

outdated information and to ensure 

consistency within each regulation and 

across all IMLS regulations. 

DATES: Comments are invited and must 

be received by no later than January 25, 

2019. 

ADDRESSES: Send comments to Susan B. 

Gerson, Associate General Counsel, 

Institute of Museum and Library 

Services, 955 L’Enfant Plaza North SW, 

Suite 4000, Washington, DC 20024– 

2135. Submit electronic comments to 

sgerson@imls.gov. Telephone: (202) 

653–4712. Facsimile: (202) 653–4610. 

FOR FURTHER INFORMATION CONTACT: 

Susan B. Gerson, Associate General 

Counsel, Institute of Museum and 

Library Services, 955 L’Enfant Plaza 

North SW, Suite 4000, Washington, DC 

20024–2135. Submit electronic 

comments to sgerson@imls.gov. 

Telephone: (202) 653–4712. Facsimile: 

(202) 653–4610. 

SUPPLEMENTARY INFORMATION: 

I. FOIA and Technical Amendments 

The Institute proposes this 

rulemaking to revise its FOIA 

regulations in accordance with the FOIA 

Improvement Act of 2016 and otherwise 

reflect the agency’s change of address 

and update outdated information. IMLS 

also proposes to make minor technical 

amendments to all other IMLS 

regulations to reflect the agency’s 

change of physical address, update 

contact information, and otherwise 

facilitate readability. In the interests of 

economy of administration, and because 

all of the regulations proposed to be 

removed are outdated and the technical 

amendments are minor, they are 

included in this one rulemaking. 

II. Public Comment Procedures 

Comments should be submitted in 

writing to the address indicated in the 

ADDRESSES section of this document. All 

comments received will be available 

upon request for public inspection at 

Institute of Museum and Library 

Services, 955 L’Enfant Plaza North SW, 

Suite 4000, Washington, DC 20024– 

2135. All written comments received by 

the date indicated in the DATES section 

of this document and all other relevant 

information in the record will be 

carefully assessed and fully considered 

prior to implementation of the final 

rule. Any information considered to be 

confidential must be so identified and 

submitted in writing. We will not 

consider comments submitted 

anonymously. However, if you wish us 

to withhold your name and/or address, 

you must state this prominently at the 

beginning of your comment. 

The regulatory amendments in this 

proposed rulemaking updates outdated 

information and makes technical 

amendments to improve the clarity and 

accuracy of the Institute’s regulations. 

These changes will ensure that all 

regulations affected are consistent with 

current laws. The public is invited to 

make substantive comment on any of 

the changes in the proposed rule. 

III. Matters of Regulatory Procedure 

Regulatory Planning and Review (E.O. 

12866) 

Under Executive Order 12866, the 

Institute must determine whether the 

regulatory action is ‘‘significant’’ and 

therefore subject to OMB review and the 

requirements of the Executive Order. 

The Order defines a ‘‘significant 

regulatory action’’ as one that is likely 

to result in a rule that may: (1) Have an 

annual effect on the economy of $100 

million or more or adversely affect in a 

material way the economy, a sector of 

the economy, productivity, competition, 

jobs, the environment, public health or 

safety, or State, local, or tribal 

governments or communities; (2) create 

a serious inconsistency or otherwise 

interfere with an action taken or 

planned by another agency; (3) 

materially alter the budgetary impact of 

entitlements, grants, user fees, or loan 

programs or the rights and obligations of 

recipients thereof; or (4) raise novel 

legal or policy issues arising out of legal 

mandates, the President’s priorities, or 

the principles set forth in the Executive 

Order. 

The proposed rule updates outdated 

information and makes technical 

amendments to the Institute’s 

regulations. As such, it does not impose 

a compliance burden on the economy 

generally or on any person or entity. 

Accordingly, this rule is not a 

‘‘significant regulatory action’’ from an 

economic standpoint, and it does not 

otherwise create any inconsistences or 

budgetary impacts to any other agency 

or Federal Program. 

Regulatory Flexibility Act 

Because this proposed rule would 

amend outdated regulations and make 

certain technical amendments, the 

Institute has determined in Regulatory 

Flexibility Act (5 U.S.C. 601 et seq.) 

review that this proposed rule will not 

have a significant economic impact on 

a substantial number of small entities 

because it simply makes technical 

amendments and amends outdated 

regulations. 


amozie on DSK3GDR082PROD with PROPOSALS1
66164 Federal Register / Vol. 83, No. 246 / Wednesday, December 26, 2018 / Proposed Rules 

Paperwork Reduction Act 

This proposed rule is exempt from the 

requirements of the Paperwork 

Reduction Act (44 U.S.C. 3501–3521), 

since it amends existing outdated 

regulations and makes only technical 

amendments. An OMB form 83–1 is not 

required. 

Unfunded Mandates Reform Act 

For purposes of the Unfunded 

Mandates Reform Act of 1995 (2 U.S.C. 

1501–1571), this proposed rule will not 

significantly or uniquely affect small 

governments and will not result in 

increased expenditures by State, local, 

or tribal governments, or by the private 

sector, of $100 million or more as 

adjusted for inflation) in any one year. 

Small Business Regulatory Enforcement 

Fairness Act (SBREFA) 

This proposed rule is not a major rule 

under 5 U.S.C. 804(2), of the Small 

Business Regulatory Enforcement 

Fairness Act. This proposed rule: 

a. Does not have an annual effect on 

the economy of $100 million or more. 

b. Will not cause a major increase in 

costs or prices for consumers, 

individual industries, Federal, State, or 

local government agencies, or 

geographic regions. 

c. Does not have significant adverse 

effects on competition, employment, 

investment, productivity, innovation, or 

the ability of U.S.-based enterprises to 

compete with foreign-based enterprises. 

Takings (E.O. 12630) 

In accordance with Executive Order 

12630, the proposed rule does not have 

significant takings implications. No 

rights, property or compensation has 

been, or will be, taken. A takings 

implication assessment is not required. 

Federalism (E.O. 13132) 

In accordance with Executive Order 

13132, this proposed rule does not have 

federalism implications that warrant the 

preparation of a federalism assessment. 

Civil Justice Reform (E.O. 12988) 

In accordance with Executive Order 

12988, the Institute has determined that 

this proposed rule does not unduly 

burden the judicial system and meets 

the requirements of sections 3(a) and 

3(b)(2) of the Order. 

Consultation and Coordination With 

Indian Tribes (E.O. 13175) 

In accordance with Executive Order 

13175, the Institute has evaluated this 

proposed rule and determined that it 

has no potential negative effects on 

Federally recognized Indian tribes. 

National Environmental Policy Act 

This proposed rule does not 

constitute a major Federal action 

significantly affecting the quality of the 

human environment. 

List of Subjects 

2 CFR Part 3187 

Federal awards, Nondiscrimination. 

45 CFR Part 1181 

Accessibility, Employment, 

Nondiscrimination. 

45 CFR Part 1182 

Privacy Act. 

45 CFR Part 1184 

Freedom of Information Act. 

For the reasons stated in the preamble 

and under the authority of 20 U.S.C. 

9101 et seq., the Institute of Museum 

and Library Services proposes to amend 

2 CFR part 3187 and 45 CFR parts 1181, 

1182, and 1184 as follows: 

Title 2—Grants and Agreements 

PART 3187—UNIFORM 

ADMINISTRATIVE REQUIREMENTS, 

COST PRINCIPLES, AND AUDIT 

REQUIREMENTS FOR FEDERAL 

AWARDS 

■ 1. The authority citation for part 3187 

continues to read as follows: 

Authority: 20 U.S.C. 9101–9176, 9103(h); 

20 U.S.C. 80r–5; 2 CFR part 200. 

■ 2. In § 3187.12, in the table in 

paragraph (a), revise the entry for 

‘‘Discrimination on the basis of age’’ to 

read as follows: 

§ 3187.12 Federal statutes and regulations 

on nondiscrimination. 

(a) * * * 

Subject Statute 

*******

Discrimination on the basis of age ........................................................... The Age Discrimination Act of 1975 (42 U.S.C. 6101–6107). 

* * * * * 

Title 45—Public Welfare 

PART 1181—ENFORCEMENT OF 

NONDISCRIMINATION ON THE BASIS 

OF HANDICAP IN PROGRAMS OR 

ACTIVITIES CONDUCTED BY THE 

INSTITUTE OF MUSEUM AND 

LIBRARY SERVICES 

■ 3. The authority citation for part 1181 

continues to read as follows: 

Authority: 29 U.S.C. 794. 

■ 4. Amend § 1181.170 by revising the 

second sentence of paragraph (c) to read 

as follows: 

§ 1181.170 Compliance procedures. 

* * * * * 

(c) * * * Complaints may be sent to 

Director, Institute of Museum and 

Library Services, 955 L’Enfant Plaza 

North SW, Suite 4000, Washington, DC 

20024–2135. 

* * * * * 

PART 1182—IMPLEMENTATION OF 

THE PRIVACY ACT OF 1974 

■ 5. The authority citation for part 1182 

continues to read as follows: 

Authority: 5 U.S.C. 552a(f). 

■ 6. Revise § 1182.3 to read as follows: 

§ 1182.3 Inquiries about the Institute’s 

systems of records or implementation of 

the Privacy Act. 

Inquiries about the Institute’s systems 

of records or implementation of the 

Privacy Act should be sent to the 

following address: Institute of Museum 

and Library Services; Office of the 

General Counsel, 955 L’Enfant Plaza 

North SW, Suite 4000, Washington, DC 

20024–2135. 

§ 1182.5 [Amended] 

■ 7. Amend § 1182.5 by removing 

‘‘Committee on Government Reform of 

the House of Representatives’’ and 

adding in its place ‘‘United States House 

Committee on Oversight and 

Government Reform’’ and by removing 

‘‘Committee on Governmental Affairs of 

the Senate’’ and adding in its place 

‘‘United States Senate Committee on 

Homeland Security and Governmental 

Affairs.’’ 

§ 1182.13 [Amended] 

■ 8. Amend § 1182.13 by: 

■ a. In paragraph (a) introductory text, 

adding the word ‘‘will’’ between the 

words ‘‘Institute’’ and ‘‘not;’’ and 


amozie on DSK3GDR082PROD with PROPOSALS1
Federal Register / Vol. 83, No. 246 / Wednesday, December 26, 2018 / Proposed Rules 66165 

■ b. In paragraph (a)(2), removing ‘‘45 

CFR part 1100’’ and adding in its place 

‘‘45 CFR part 1184’’. 

§ 1182.15 [Amended] 

■ 6. In § 1182.15, amend paragraph 

(a)(3) by removing ‘‘1182.1’’ and adding 

in its place ‘‘1182.2’’. 

■ 7. Revise the heading for § 1182.16 to 

read as follows: 

§ 1182.16 Procedures to ensure that 

Institute employees involved with its 

systems of records are familiar with the 

requirements of the Privacy Act. 

PART 1184—IMPLEMENTATION OF 

THE FREEDOM OF INFORMATION ACT 

■ 8. The authority citation for part 1184 

continues to read as follows: 

Authority: 5 U.S.C. 552. 

■ 9. Revise § 1184.1 to read as follows: 

§ 1184.1 What are the purpose and scope 

of these regulations? 

(a) These regulations describe how the 

Institute of Museum and Library 

Services (IMLS) processes requests for 

records under the Freedom of 

Information Act (FOIA), 5 U.S.C. 552 as 

amended. The regulations in this part 

apply only to records that are both: 

(1) Created or obtained by IMLS; and 

(2) Under the agency’s control at the 

time of the FOIA request. 

(b) The rules in this part should be 

read in conjunction with the text of the 

FOIA and the Uniform Freedom of 

Information Fee Act Schedule and 

Guidelines published by the Office of 

Management and Budget (the ‘‘OMB 

Guidelines’’). Requests made by 

individuals for records about 

themselves under the Privacy Act of 

1974, 5 U.S.C. 552a, are processed 

under 45 CFR part 1182 as well as under 

this part. 

■ 10. Amend § 1184.2 by revising 

paragraphs (a) and (b), paragraph (c) 

introductory text, paragraph (c)(10), the 

second sentence of paragraph (c)(11), 

and paragraph (c)(12) to read as follows: 

§ 1184.2 What are IMLS’s general policies 

with respect to FOIA? 

(a) Presumption of openness. IMLS 

administers the FOIA with a 

presumption of openness. Under this 

presumption, IMLS makes discretionary 

disclosures of records whenever such 

disclosure would not foreseeably harm 

an interest protected by a FOIA 

exemption or otherwise be prohibited 

by law. 

(b) Records available at the IMLS 

FOIA Electronic Reading Room. IMLS 

makes records available on its website 

Reading Room in accordance with 5 

U.S.C. 552(a)(2), as amended, as well as 

other records that have been requested 

three or more times or that, because of 

the nature of their subject matter, are 

likely to be the subject of FOIA requests. 

IMLS establishes categories of records 

that can be disclosed regularly and 

proactively identifies and discloses 

additional records of interest to the 

public. To save time and money, and 

maximize efficiency, IMLS strongly 

urges individuals who seek information 

from IMLS to review documents 

available at the IMLS FOIA Electronic 

Reading Room before submitting a FOIA 

request. 

(c) Definitions. For purposes of this 

part, IMLS adopts all of the terms 

defined in the Freedom of Information 

Act, and the OMB Guidelines, unless 

otherwise defined in this part. 

* * * * * 

(10) Review. The examination of a 

record located in response to a request 

to determine whether any portion of it 

is exempt from disclosure. Review time 

includes all of the processing that is 

necessary to prepare any record for 

disclosure, including, as applicable, 

redacting portions of the record and 

marking the appropriate exemptions. 

Review costs are properly charged even 

if a record ultimately is not disclosed. 

Review time also includes time spent 

both obtaining and considering any 

formal objection to disclosure made by 

a confidential business information 

submitter under § 1184.9 but it does not 

include time spent resolving general 

legal or policy issues regarding the 

applicability of exemptions. 

(11) * * * Search time includes pageby-page or line-by-line identification of 

information within records; and the 

reasonable efforts expended to locate 

and retrieve information from both hard 

copy and electronic records. 

(12) Working day. A regular Federal 

work day constitutes a working day. It 

does not include Saturdays, Sundays, or 

Federal holidays. 

■ 11. Amend § 1184.3 by revising 

paragraphs (a) and (b) to read as follows: 

§ 1184.3 How do I request records? 

(a) Where to send a request. You may 

make a FOIA request for IMLS records 

by completing the online prompts in the 

FOIA Online Portal via FOIA.gov or via 

https://www.imls.gov/about/foiarequest/form or by sending an email to 

foia@imls.gov or by submitting a request 

in writing via regular U.S. Mail 

addressed directly to the FOIA Public 

Liaison, Institute of Museum and 

Library Services, 955 L’Enfant Plaza 

North SW, Suite 4000, Washington, DC 

20024–2135. Requests may also be sent 

in writing via facsimile to the FOIA 

Officer at (202) 653–4625. 

(b) Form of request. Your FOIA 

request need not be in any particular 

format, but it must be in writing, 

include your name and mailing address, 

and should be clearly identified as a 

Freedom of Information Act or ‘‘FOIA’’ 

request. You must describe the records 

you seek with sufficient specificity to 

enable the agency to identify and locate 

the records, including, if possible, dates, 

subjects, titles, or authors of the records 

requested. Before submitting a request, 

you may contact IMLS’s FOIA contact or 

FOIA Officer to discuss the records you 

seek and to receive assistance in 

describing the records. If upon receiving 

your request IMLS determines that it 

does not reasonably describe the 

requested records, IMLS will advise you 

what additional information is required 

to perfect your request, or why your 

request is otherwise insufficient. You 

should also indicate if you have a 

preferred form or format in which you 

would like to receive the requested 

records. 

* * * * * 

■ 12. Amend § 1184.4 by adding 

paragraph (c) to read as follows: 

§ 1184.4 When will I receive a response to 

my request? 

* * * * * 

(c) Expedited processing. (1) IMLS 

must process requests and appeals on an 

expedited basis whenever it is 

determined that they involve: 

(i) Circumstances in which the lack of 

expedited processing could reasonably 

be expected to pose an imminent threat 

to the life or physical safety of an 

individual; or 

(ii) An urgency to inform the public 

about an actual or alleged Federal 

Government activity, if made by a 

person who is primarily engaged in 

disseminating information. 

(2) A request for expedited processing 

may be made at any time. When making 

a request for expedited processing of an 

administrative appeal, the request 

should be submitted as required by 

§ 1184.6. 

(3) A requester who seeks expedited 

processing must submit a statement, 

certified to be true and correct, 

explaining in detail the basis for making 

the request for expedited processing. 

For example, under paragraph (c)(1)(ii) 

of this section, a requester who is not a 

full-time member of the news media 

must establish that the requester is a 

person whose primary professional 

activity or occupation is information 

dissemination, though it need not be the 

requester’s sole occupation. Such a 

requester also must establish a 

particular urgency to inform the public 

about the government activity involved 


amozie on DSK3GDR082PROD with PROPOSALS1
66166 Federal Register / Vol. 83, No. 246 / Wednesday, December 26, 2018 / Proposed Rules 

in the request—one that extends beyond 

the public’s right to know about 

government activity generally. The 

existence of numerous articles 

published on a given subject can be 

helpful in establishing the requirement 

that there be an ‘‘urgency to inform’’ the 

public on the topic. As a matter of 

administrative discretion, IMLS may 

waive the formal certification 

requirement. 

(4) IMLS must notify the requester 

within 10 calendar days of the receipt 

of a request for expedited processing of 

its decision whether to grant or deny 

expedited processing. If expedited 

processing is granted, the request must 

be given priority, placed in the 

processing track for expedited requests, 

and must be processed as soon as 

practicable. If a request for expedited 

processing is denied, IMLS must act on 

any appeal of that decision 

expeditiously. 

■ 13. Amend § 1184.5 by: 

■ a. Redesignating paragraphs (c), (d), 

and (e) as paragraphs (d), (e), and (f); 

■ b. Adding a new paragraph (c); and 

■ c. In newly redesignated paragraph (f): 

■ i. Removing ‘‘FOIA Officer’’ and 

adding in its place ‘‘FOIA Public 

Liaison;’’ and 

■ ii. Adding a sentence at the end of the 

paragraph. 

The additions read as follows: 

§ 1184.5 How will my request be 

processed? 

* * * * * 

(c) Estimated dates of completion and 

interim responses. Upon request, IMLS 

will provide an estimated date by which 

the agency expects to provide a 

response to the requester. If a request 

involves a voluminous amount of 

material, or searches in multiple 

locations, IMLS may provide interim 

responses, releasing the records on a 

rolling basis. 

* * * * * 

(f) * * * In addition, IMLS will 

provide information about the 

mediation services provided by the 

Office of Government Information 

Services of the National Archives and 

Records Administration. 

■ 14. Amend § 1184.6 by: 

■ a. Revising paragraph (a); and 

■ b. In paragraph (b), removing the term 

‘‘Office of Government Services (OGIS)’’ 

and adding in its place ‘‘Office of 

Government Information Services.’’ 

The revision reads as follows: 

§ 1184.6 How can I appeal a denial of my 

request? 

(a) Submission of an appeal. If your 

FOIA request has been denied in whole 

or in part, or if the agency has not found 

any records in response to your request, 

you may file an appeal no later than 

ninety (90) calendar days following the 

date of the notification of denial. Your 

appeal must include a description of the 

initial request, the reason for the appeal, 

and why you believe the agency’s 

response was incorrect. Your appeal 

must be in writing, signed, and filed 

with the IMLS Director, c/o Office of the 

General Counsel, 955 L’Enfant Plaza 

North SW, Suite 4000, Washington, DC 

20024–2135. Appeals may also be sent 

via email to foia@imls.gov, or via 

facsimile to (202) 653–4625. 

* * * * * 

■ 15. Amend § 1184.7 by revising 

paragraphs (f)(3)(ii) and (g) to read as 

follows: 

§ 1184.7 How will fees be charged? 

* * * * * 

(f) * * * 

(3) * * * 

(ii) When IMLS requests an advance 

payment, the time limits described in 

section (a)(6) of the FOIA will begin 

only after IMLS has received advanced 

full payment in full. 

(g) Failure to comply. In the absence 

of unusual or exceptional 

circumstances, IMLS will not assess fees 

if the agency fails to comply with any 

time limit set forth in these regulations, 

unless the agency has determined that 

unusual circumstances apply and more 

than 5,000 pages are necessary to 

respond to the request. 

* * * * * 

■ 16. Amend § 1184.8 by revising the 

second sentence of paragraph (b) to read 

as follows: 

§ 1184.8 How can I address concerns 

regarding my request? 

* * * * * 

(b) * * * If you seek information 

regarding OGIS and/or the services it 

offers, please contact OGIS directly at 

Office of Government Information 

Services, National Archives and Records 

Administration, 8601 Adelphi RoadOGIS, College Park, MD 20740–6001, 

Email: ogis@nara.gov, Phone: (202) 741– 

5770 or toll free (877) 684–6448, Fax: 

(202) 741–5769. * * * 

§ 1184.9 [Amended] 

■ 16. Amend § 1184.9(b)(2) by adding a 

comma after ‘‘local’’. 

Dated: December 12, 2018. 

Danette Hensley, 

Staff Assistant. 

[FR Doc. 2018–27219 Filed 12–21–18; 8:45 am] 

BILLING CODE 7036–01–P 

DEPARTMENT OF THE TREASURY 

Office of the Comptroller of the 

Currency 

12 CFR Part 3 

[Docket ID OCC–2018–0026] 

RIN 1557–AE48 

Regulatory Capital Treatment for High 

Volatility Commercial Real Estate 

(HVCRE) Exposures 

AGENCY: Office of the Comptroller of the 

Currency, Treasury (OCC). 

ACTION: Notice of proposed rulemaking; 

correction. 

SUMMARY: This document corrects OCC’s 

Regulatory Flexibility Act certification 

for the proposed rule that was published 

in the Federal Register on September 

28, 2018, entitled ‘‘Regulatory Capital 

Treatment for High Volatility 

Commercial Real Estate (HVCRE) 

Exposures.’’ 

DATES: The proposed rule published on 

September 28, 2018 at 83 FR 48990 is 

corrected as of December 26, 2018. 

Comments must be received by January 

25, 2019. 

FOR FURTHER INFORMATION CONTACT: Carl 

Kaminski, Special Counsel, or Rima 

Kundnani, Attorney, (202) 649–5490 or, 

for persons who are deaf or hearing 

impaired, TTY, (202) 649–5597. 

SUPPLEMENTARY INFORMATION: 

I. Background 

This document supplements the 

OCC’s Regulatory Flexibility Act (RFA) 

certification for the notice of proposed 

rulemaking entitled ‘‘Regulatory Capital 

Treatment for High Volatility 

Commercial Real Estate (HVCRE) 

Exposures’’ (proposed rule) published 

on September 28, 2018, Federal Register 

Document 2018–20875 (83 FR 48990), 

by the OCC, the Board of Governors of 

the Federal Reserve System, and the 

Federal Deposit Insurance Corporation. 

The sections of this correction 

document are effective as if they had 

been included in the SUPPLEMENTARY

INFORMATION section of the proposed 

rule. 

II. Summary of Supplemental Language 

The Regulatory Flexibility Act, 5 

U.S.C. 601 et seq., requires an agency, 

in connection with a proposed rule, to 

prepare an Initial Regulatory Flexibility 

Analysis describing the impact of the 

rule on small entities (defined by the 

SBA for purposes of the RFA to include 

commercial banks and savings 

institutions with total assets of $550 

million or less and trust companies with 


amozie on DSK3GDR082PROD with PROPOSALS1