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.

Rules and Regulations Federal Register

22091 

Vol. 80, No. 76 

Tuesday, April 21, 2015 

1 78 FR 68343 (Nov. 14, 2013). 

2The discussion in this interpretive rule uses the 

terms ‘‘lender’’ or ‘‘creditor,’’ as appropriate. Part II, 

which addresses Regulation X, uses the term 

‘‘lender’’ consistent with Regulation X. Part III, 

which addresses Regulation Z, uses the term 

‘‘creditor’’ consistent with Regulation Z. 

3 78 FR 6855 (Jan. 31, 2013). 

4Section 106(e) of the Housing and Urban 

Development Act of 1968, 12 U.S.C. 1701x(e), 

requires that homeownership counseling provided 

under programs administered by HUD can be 

provided only by organizations or individuals 

certified by HUD as competent to provide 

homeownership counseling. Section 106(e) also 

requires HUD to establish standards and procedures 

for testing and certifying counselors. 

5See www.consumerfinance.gov/find-a-housingcounselor. 

6These two pathways are specified in 

§ 1024.20(a)(1)(i) and (ii), respectively. 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

12 CFR Parts 1024 and 1026 

RIN 3170–AA52 

Homeownership Counseling 

Organizations Lists and High-Cost 

Mortgage Counseling Interpretive Rule 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Final rule. 

SUMMARY: The Bureau of Consumer 

Financial Protection (Bureau) is 

reissuing a prior interpretive rule 

regarding the provision of lists of HUDapproved housing counseling agencies 

to mortgage loan applicants with 

additional interpretations describing 

permissible addresses for list 

generation, as well as additional details 

for generation. This interpretive rule 

also provides guidance, in addition to 

existing commentary, on the 

qualifications for providing high-cost 

mortgage counseling and on lender 

participation in such counseling. This 

interpretive rule continues to describe 

data instructions for lenders to use in 

complying with the requirement under 

the High-Cost Mortgage and 

Homeownership Counseling 

Amendments to the Truth in Lending 

Act (Regulation Z) and Homeownership 

Counseling Amendments to the Real 

Estate Settlement Procedures Act 

(RESPA Homeownership Counseling 

Amendments) Final Rule to provide a 

homeownership counseling list using 

data made available by the Bureau or 

Department of Housing and Urban 

Development (HUD). 

DATES: This rule is effective April 21, 

2015. 

FOR FURTHER INFORMATION CONTACT: 

Rachel Ross, Special Assistant; Nicholas 

Hluchyj, Senior Counsel; Office of 

Regulations, Consumer Financial 

Protection Bureau, 1700 G Street NW., 

at (202) 435–7700. 

SUPPLEMENTARY INFORMATION: 

I. Background 

The Bureau previously issued an 

interpretive rule 1 (2013 HC Interpretive 

Rule) to assist lender compliance with 

the homeownership counseling list 

requirements of High-Cost Mortgage and 

Homeownership Counseling 

Amendments to the Truth in Lending 

Act (Regulation Z) and Homeownership 

Counseling Amendments to the Real 

Estate Settlement Procedures Act 

(RESPA Homeownership Counseling 

Amendments) Final Rule (2013 HOEPA 

Final Rule). Based on input the Bureau 

has received through informal 

discussion and outreach with 

stakeholders, the Bureau is issuing this 

interpretive rule, which substantively 

restates the guidance in the 2013 HC 

Interpretive Rule and adds further 

guidance to address additional 

questions stakeholders have raised. 

Specifically, the Bureau has received 

questions about: (1) How to provide 

applicants abroad with homeownership 

counseling lists; (2) permissible 

geolocation tools; (3) combining the 

homeownership counseling list with 

other disclosures; and (4) use of a 

consumer’s mailing address to provide 

the list. The Bureau has also received 

questions and requests for guidance 

about the high-cost mortgage counseling 

requirements in the 2013 HOEPA Final 

Rule, specifically concerning counselor 

qualifications to provide such 

counseling and lender participation in 

high-cost mortgage counseling. 

To facilitate compliance and make the 

Bureau’s guidance on these questions 

more generally accessible, the Bureau is 

issuing this official Bureau 

interpretation to add guidance to the 

2013 HC Interpretive Rule to address 

these additional issues. Along with the 

new guidance, the instructions in the 

2013 HC Interpretive Rule are 

republished here substantively as 

previously issued to keep all of this 

related information together for the 

convenience of stakeholders. New 

material is added to parts II. B, Location 

by Zip Code, and D, Accompanying 

Information, and new parts II. E and III. 

are added to discuss combining the 

homeownership counseling list with 

other disclosures and high-cost 

mortgage counseling, respectively.2

In January 2013, pursuant to the 

Dodd-Frank Wall Street Reform and 

Consumer Protection Act (Dodd-Frank 

Act), Public Law 111–203, 124 Stat. 

1375 (2010), the Bureau issued the 2013 

HOEPA Final Rule.3 The 2013 HOEPA 

Final Rule implemented numerous 

Dodd-Frank Act requirements. Section 

1450 of the Dodd-Frank Act amended 

section 5(c) of the Real Estate Settlement 

Procedures Act (RESPA) to require 

lenders to provide federally related 

mortgage loan applicants with a 

‘‘reasonably complete or updated list of 

homeownership counselors who are 

certified pursuant to section 106(e) of 

the Housing and Urban Development 

Act of 1968 (12 U.S.C. 1701x(e)) and 

located in the area of the lender.’’ 4 The 

RESPA Homeownership Counseling 

Amendments implement this section 

1450 amendment in Regulation X 

§ 1024.20(a). 

In implementing this Dodd-Frank Act 

requirement, § 1024.20(a)(1) requires 

lenders to provide the loan applicant 

with a written list of homeownership 

counseling organizations that provide 

relevant services in the loan applicant’s 

location. The Bureau specified two 

compliance methods for obtaining this 

list: (1) Using a tool developed and 

maintained by the Bureau on its Web 

site,5 or (2) using data made available by 

the Bureau or HUD, provided that the 

data are used in accordance with 

instructions provided with the data.6

The Bureau noted the use of the data in 

accordance with these instructions 

would produce a list consistent with 

what would have been generated if the 


tkelley on DSK3SPTVN1PROD with RULES
22092 Federal Register / Vol. 80, No. 76 / Tuesday, April 21, 2015 / Rules and Regulations 

7 78 FR 6865 (Jan. 31, 2013). 

8RESPA and § 1024.20(a)(1) refer to counseling 

entities as Homeownership Counseling 

Organizations. HUD refers to them as HUDapproved Housing Counseling Agencies. 

Homeownership Counseling Organizations as 

referred to in § 1024.20(a)(1) and this rule are HUDapproved Housing Counseling Agencies. 

9Available at: http://data.hud.gov/housing_

counseling.html. 

10Summary of Data instructions available at 

http://files.consumerfinance.gov/f/201311_cfpb_

summary_homeownership-counseling.pdf. 

Homeownership Counseling Organization data is 

available at http://data.hud.gov/housing_

counseling.html. 

tool had been used.7 This rule interprets 

§ 1024.20(a)(1) of Regulation X, as 

adopted by the RESPA Homeownership 

Counseling Amendments, and describes 

those data instructions. 

The Bureau’s tool, as discussed in 

§ 1024.20(a)(1)(i), follows these data 

instructions. 

II. List and Data Instructions 

This rule interprets the Regulation X 

§ 1024.20(a)(1) requirement for lenders 

to provide a list of homeownership 

counseling organizations and to obtain 

the list from data made available by the 

Bureau or HUD, provided the data are 

used in accordance with instructions 

provided with the data.8 This rule 

describes instructions for lenders to use 

in complying with the § 1024.20(a)(1)(ii) 

requirement to generate a list of 

homeownership counseling 

organizations by using data provided by 

the Bureau or HUD. 

HUD currently provides the data 

needed to comply with the Regulation X 

§ 1024.20(a)(1) list requirement. HUD 

maintains a free and publicly available 

application programming interface (API) 

containing data on HUD-approved 

housing counseling agencies (HUD API). 

Although it appears on this site that a 

token is required to use the data, 

credentials are not required to access 

and use the data. These data 

instructions are designed to be applied 

with publicly available homeownership 

counselor agency data from HUD,9 as 

referenced in § 1024.20(a)(1)(ii). The 

Bureau also has a summary of the data 

instructions available on the Bureau’s 

Web site, along with a link to the 

publicly available housing counseling 

agency data.10

A. Number of Homeownership 

Counselors To Appear on List 

Regulation X § 1024.20(a)(1) requires 

lenders to provide a written list of 

homeownership counseling 

organizations. Consistent with 

§ 1024.20(a)(1), lenders comply with 

this requirement when they provide a 

list of ten HUD-approved housing 

counseling agencies. The tool 

maintained by the Bureau will generate 

a list of ten HUD-approved housing 

counseling agencies. A lender-generated 

list under § 1024.20(a)(1)(ii) complies 

with § 1024.20(a)(1) when the same 

number of counseling agencies are 

provided. Listing ten housing 

counseling agencies ensures fairness 

and equity among housing counseling 

agencies, by offering loan applicants a 

thorough and diverse list of counseling 

options. 

B. Location by Zip Code 

Regulation X 1024.20(a)(1) requires 

lenders to provide a written list of 

homeownership counseling 

organizations in the loan applicant’s 

location. As the Bureau discussed in the 

RESPA Homeownership Counseling 

Amendments, lenders comply with 

§ 1024.20(a)(1) when they use the loan 

applicant’s five-digit zip code to 

generate a list of the ten closest HUDapproved housing counseling agencies 

to the centroid of the zip code of the 

loan applicant’s current address, in 

descending order of proximity to the 

centroid. Lenders are also permitted to 

generate the list from a more precise 

geographic marker, such as a street 

address. The loan applicant’s current 

zip code satisfies the requirement that 

the homeownership counseling 

organizations be in the loan applicant’s 

location. The zip code of the loan 

applicant’s current address generally is 

the default to be entered for list 

generation, subject to additional 

guidance below concerning use of the 

loan applicant’s mailing address and 

circumstances where a zip code is not 

available. Lenders may offer loan 

applicants the option of generating the 

list from a zip code different than their 

home address or from a more precise 

geographic marker such as a street 

address, but lenders are not required to 

offer such an option. The Bureau’s tool 

will permit generating the list of HUDapproved housing counseling agencies 

through entry of zip code. A lendergenerated list pursuant to 

§ 1024.20(a)(1)(ii) complies with 

§ 1024.20(a)(1) when the lender 

generates the list through entry of zip 

code or from a more precise geographic 

marker such as a street address. Lenders 

generating a list pursuant to 

§ 1024.20(a)(1)(ii) through zip code or 

from a more precise geographic marker 

such as a street address will ensure that 

lists generated under this provision are 

obtained through similar means as those 

generated through the Bureau’s tool, 

pursuant to § 1024.20(a)(1)(i), thus 

ensuring consistency. 

In circumstances where the 

applicant’s current address does not 

include a five-digit zip code, e.g., the 

applicant currently lives overseas, 

making it impossible to generate a list 

based on the zip code of the applicant’s 

current address, the lender may use the 

five-digit zip code of the property 

securing the mortgage to generate the 

list. 

Additionally, there may be 

circumstances where an applicant’s 

current and mailing addresses are 

different. For example, an applicant 

residing in a remote area may receive 

mail at a post office box. In the case in 

which an applicant’s current and 

mailing address are different, a lender 

using an applicant’s mailing address 

instead of the current address to 

generate the list would be consistent 

with the requirement that the list be 

generated based upon the loan 

applicant’s location. Consistent with the 

previous paragraph, a lender may also 

use an applicant’s mailing address to 

generate a list if the mailing address 

includes a zip code but the current 

address does not. 

The Bureau’s tool, as discussed in 

§ 1024.20(a)(1)(i) and above, uses a 

third-party, commercially-available 

geolocation tool to match counseling 

organizations to a zip code. A lender is 

not required to use the same geolocator 

or geocoding system as the Bureau, so 

long as the results are generated in 

accordance with § 1024.20 and these 

instructions, thus ensuring general 

consistency. 

C. Homeownership Counselor Contact 

Information 

Regulation X § 1024.20(a)(1) requires 

lenders to provide a written list of 

homeownership counseling 

organizations that provide relevant 

services in the loan applicant’s location. 

Consistent with § 1024.20(a)(1), lenders 

comply when they provide the 

following data fields for each housing 

counseling agency on the list to the 

extent that they are available through 

the HUD API: Agency name, phone 

number, street address, street address 

continued, city, state, zip code, Web site 

URL, email address, counseling services 

provided, and languages spoken. 

Providing a street address is preferable 

to providing a mailing address, as 

available. The tool maintained by the 

Bureau will provide these data fields to 

the extent that they are available 

through the HUD API. A lendergenerated list under § 1024.20(a)(1)(ii) 

complies with § 1024.20(a)(1) when 

these data fields are provided to the 

extent that they are available through 

the HUD API. The table below describes 

how the HUD API data fields relate to 

the above required data fields: 


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Federal Register / Vol. 80, No. 76 / Tuesday, April 21, 2015 / Rules and Regulations 22093 

11A data dictionary for the Field ‘‘Services’’ can 

be found at http://data.hud.gov/Housing_

Counselor/getServices, and a data dictionary for 

‘‘Languages’’ can be found at http://data.hud.gov/

Housing_Counselor/getLanguages. 

12See 78 FR 6855 (Jan. 31, 2013) (‘‘The Bureau 

anticipates the lists generated through its tool will 

also include information enabling the consumer to 

access the Bureau or HUD list of homeownership 

counseling organizations, so that an applicant who 

receives the list can obtain information about 

additional counseling organizations if desired.’’). 

Data element required for list for each agency HUD API 

field name HUD field definition Example 

Agency name ...................................................... nme .......... Agency name ...................................................... ‘‘Local Counseling Agency’’.

Phone number .................................................... phone1 ..... Phone number .................................................... ‘‘555–555–5555’’.

Street address .................................................... adr1 .......... Street Address .................................................... ‘‘1234 Main Street’’.

Street address continued .................................... adr2 .......... Street Address continued ................................... .

City ...................................................................... city ............ City ...................................................................... ‘‘Anytown’’.

State .................................................................... statecd ...... Code for state in which agency is located ......... ‘‘PA’’.

Zip code .............................................................. zipcd ......... Zip Code ............................................................. ‘‘12345’’.

Website URL ....................................................... weburl ....... Agency Web Site address .................................. ‘‘http://www.counselor.org’’.

Email address ..................................................... email ......... Email address ..................................................... ‘‘counselor@counselor.org’’.

Counseling services provided ............................. Services .... Types of Counseling Services available ............ ‘‘DFC, FBC, FHW, HIC, 

HMC, NDW, PLW, PPC, 

PPW, RHC’’ 11.

Languages spoken ............................................. languages The languages in which agency provides services.‘‘ENG’’.

Data fields that are populated with 

codes not commonly understood by 

loan applicants, including the data 

fields ‘‘Counseling services provided’’ 

and ‘‘Languages spoken,’’ should be 

translated into their definitional 

meanings, according to the Data 

Dictionary,7 to ensure clarity. 

D. Accompanying Information 

Lenders comply with Regulation X 

§ 1024.20(a)(1) when the following 

language is included: ‘‘The counseling 

agencies on this list are approved by the 

U.S. Department of Housing and Urban 

Development (HUD), and they can offer 

independent advice about whether a 

particular set of mortgage loan terms is 

a good fit based on your objectives and 

circumstances, often at little or no cost 

to you. This list shows you several 

approved agencies in your area. You can 

find other approved counseling agencies 

at the Consumer Financial Protection 

Bureau’s (CFPB) Web site: 

consumerfinance.gov/mortgagehelp or 

by calling 1–855–411–CFPB (2372). You 

can also access a list of nationwide 

HUD-approved counseling 

intermediaries at http://portal.hud.gov/

hudportal/HUD?src=/ohc_nint.’’ 

Including information about where 

loan applicants can gain additional 

information is consistent with the 

Bureau’s preamble discussion of how it 

envisioned implementing the 

§ 1024.20(a)(1) list requirement in the 

RESPA Homeownership Counseling 

Amendments.12 Giving loan applicants 

the link to HUD-approved national 

counseling intermediaries offers loan 

applicants additional housing 

counseling options, as national 

intermediaries often offer phone 

counseling and online counseling 

services, which are particularly useful 

to loan applicants in remote areas or 

areas with fewer counseling agencies or 

loan applicants who work during 

normal business hours and require 

alternative meeting time options. The 

Bureau’s tool will generate lists under 

§ 1024.20(a)(1)(i) that include this text 

above. By including this information, 

lenders generating lists under 

§ 1024.20(a)(1)(ii) will comply with 

§ 1024.20(a)(1). This will ensure that 

information provided under this 

provision is consistent with information 

accompanying lists generated by the 

Bureau’s Web site, thus ensuring 

consistency. 

E. Combining the List With Other 

Disclosures. 

Section 5(c) of RESPA does not 

specify whether the written list may be 

combined with other disclosures. In the 

2013 HOEPA Final Rule, the Bureau 

noted it did not receive any comments 

concerning the ability to combine 

disclosures. The Bureau finalized the 

combined disclosure allowance in 

§ 1024.20(a)(2), which provides that the 

‘‘list of homeownership counseling 

organizations provided under this 

section may be combined and provided 

with other mortgage loan disclosures 

required pursuant to Regulation Z, 12 

CFR part 1026, or this part [1024] unless 

prohibited by Regulation Z or this part.’’ 

Since the 2013 HOEPA Final Rule 

went into effect, the Bureau has 

received questions as to whether the list 

of counseling organizations may be 

combined with other disclosures 

besides those required pursuant to 

Regulations X and Z. Although only 

disclosures pursuant to Regulations X 

and Z are specifically referenced in the 

rule, the Bureau does not consider 

combining the list of organizations with 

other mortgage loan disclosures to be a 

violation of § 1024.20(a), unless 

otherwise prohibited. As long as the 

other requirements of § 1024.20(a) are 

met, and if not otherwise prohibited, 

combining the list with another 

disclosure does not violate the rule. 

III. High-Cost Mortgage Counseling 

This rule also interprets the 

Regulation Z § 1026.34(a)(5) pre-loan 

counseling requirement for high-cost 

mortgages. Specifically, this rule 

clarifies the qualifications necessary to 

provide high-cost mortgage counseling 

and to provide guidance on the issue of 

lender participation in the counseling. 

A. Counseling Qualifications 

Regulation Z § 1026.34(a)(5)(i) 

provides that a creditor ‘‘shall not 

extend a high-cost mortgage to a 

consumer unless the creditor receives 

written certification that the consumer 

has obtained counseling on the 

advisability of the mortgage from a 

counselor that is approved to provide 

such counseling by the Secretary of the 

U.S. Department of Housing and Urban 

Development or, if permitted by the 

Secretary, by a State housing finance 

authority.’’ The Bureau has heard 

informally that there has been some 

concern among creditors and counselors 

regarding both the necessary 

qualifications for providing high-cost 

mortgage counseling and what 

constitutes ‘‘high-cost mortgage 

counseling.’’ 

Regulation Z comment 34(a)(5)(iv)–1 

describes what is necessary for a 

consumer to have received counseling 

on the advisability of the high-cost 

mortgage. The counseling must cover: 

‘‘key terms of the mortgage transaction’’ 

as set out in the relevant disclosure 

(usually the Good Faith Estimate or, 

after August 1, 2015, the Loan Estimate); 

‘‘the consumer’s budget, including the 

consumer’s income, assets, financial 


tkelley on DSK3SPTVN1PROD with RULES
22094 Federal Register / Vol. 80, No. 76 / Tuesday, April 21, 2015 / Rules and Regulations 

13 78 FR 6931 (Jan. 31, 2013). 

14 78 FR 6928 (Jan. 31, 2013). 

15 12 CFR 1026.34(a)(5)(vi). 16 78 FR 6933 (Jan. 31, 2013). 

obligations, and expenses; . . . and the 

affordability of the mortgage transaction 

for the consumer.’’ 

The Bureau understands that these 

topics are currently covered by 

counseling agencies approved by HUD 

in providing counseling to prospective 

borrowers. As stated in the preamble for 

the 2013 HOEPA Final Rule, ‘‘HUD 

already requires counselors to analyze 

the financial situation of their clients 

and establish a household budget for 

their clients when providing housing 

counseling.’’ 13 To the extent that a 

counselor from a HUD-approved 

counseling agency covers the matters 

described in comment 34(a)(5)(iv)–1, the 

counseling requirement of 

§ 1026.34(a)(5)(i) is met. Unless and 

until HUD limits the current scope of 

counseling in some way that would not 

include elements of the comment, 

counseling agencies that are already 

approved by HUD to offer 

homeownership counseling are also 

qualified to provide the counseling 

required for high-cost mortgages, 

provided such counseling does indeed 

cover the topics prescribed by comment 

34(a)(5)(iv)–1. Further, the Bureau 

encourages creditors, counselors, and 

consumers to facilitate provision of the 

required counseling as early as feasible 

in the loan application process to help 

ensure the consumer ultimately makes 

an informed and considered decision. 

B. Lender Participation 

The Bureau has also received 

information that consumers may be 

receiving high-cost mortgage counseling 

by telephone in a creditor’s office while 

the creditor is present and listening-in. 

Such listening in may be objectionable 

by certain counselors, as it could 

diminish the quality of counseling. In 

the 2013 HOEPA Final Rule, the Bureau 

expressed a desire to implement the 

counseling requirement in a way that 

‘‘ensures that borrowers will receive 

meaningful counseling, and at the same 

time that the required counseling can be 

provided in a manner that minimizes 

operational challenges.’’ 14 The Bureau 

added an anti-steering provision to the 

counseling requirement in 

§ 1026.34(a)(5)(vi) that provides that a 

creditor ‘‘shall not steer or otherwise 

direct a consumer to choose a particular 

counselor or counseling organization for 

the counseling required. . . .’’ 15 The 

2013 HOEPA Final Rule described the 

rationale behind this provision as 

‘‘preserv[ing] counselor independence 

and prevent[ing] conflicts of interest 

that may arise. . .’’.16

Consistent with the purpose of the 

high-cost mortgage counseling 

requirement and with the anti-steering 

provision at § 1026.34(a)(5)(vi) in 

particular, the Bureau is issuing this 

interpretive rule, in part, to clarify that 

a creditor may be steering, that is 

directing, if the creditor insists on 

participating or listening in to a 

counseling call or session if such 

behavior results in a consumer’s 

selection of a particular counselor. 

Under these circumstances, creditors 

comply with the anti-steering provision 

if a counselor is allowed to request that 

the creditor not participate or listen on 

the call. A counselor also is allowed to 

request that a creditor participate in a 

call or a portion of a call. For example, 

a counselor may request that a creditor 

participate in part of the counseling 

session to provide additional 

information related to the loan. 

The Bureau believes that counselor 

independence and impartiality, which 

the anti-steering provision seeks to 

preserve, may be adversely affected by 

a concern that another counselor may be 

selected or the content of the counseling 

influenced if the counselor requests that 

the creditor not listen to the counseling 

and the creditor does not agree. 

Counselor independence and 

impartiality may also be compromised 

by the knowledge that the creditor is 

listening-in to the advice given. 

Moreover, creditor participation in such 

conversations may influence loan 

applicants away from a full and frank 

conversation with an independent and 

impartial counselor, thus undermining 

the purpose of the rule. 

IV. Regulatory Requirements 

This rule articulates the Bureau’s 

official interpretations of the Bureau’s 

Regulation X and Regulation Z. It is 

therefore exempt from the APA’s notice 

and comment rulemaking requirements 

pursuant to 5 U.S.C. 553(b). 

Because no notice of proposed 

rulemaking is required, the Regulatory 

Flexibility Act does not require an 

initial or final regulatory flexibility 

analysis. 5 U.S.C. 603(a), 604(a). 

The Bureau has determined that this 

rule does not impose any new or revise 

any existing recordkeeping, reporting, or 

disclosure requirements on covered 

entities or members of the public that 

would be collections of information 

requiring OMB approval under the 

Paperwork Reduction Act, 44 U.S.C. 

3501, et seq. The RESPA requirements 

under Regulation X that lenders provide 

loan applicants with a written list of 

homeownership counseling 

organizations in the loan applicants’ 

location are currently approved by OMB 

and assigned the OMB control number 

3170–0025. The related TILA 

requirements are approved under OMB 

control number 3170–0023. Generally, 

the collections of information contained 

in Regulation X are assigned the OMB 

control number 3170–0016, and the 

collections of information contained in 

Regulation Z are assigned the OMB 

control number 3170–0015. 

Dated: April 15, 2015. 

Richard Cordray, 

Director, Bureau of Consumer Financial 

Protection. 

[FR Doc. 2015–09244 Filed 4–20–15; 8:45 am] 

BILLING CODE 4810–AM–P 

DEPARTMENT OF TRANSPORTATION 

Federal Aviation Administration 

14 CFR Part 39 

[Docket No. FAA–2014–0528; Directorate 

Identifier 2014–NM–060–AD; Amendment 

39–18139; AD 2015–08–03] 

RIN 2120–AA64 

Airworthiness Directives; Bombardier, 

Inc. Airplanes 

AGENCY: Federal Aviation 

Administration (FAA), Department of 

Transportation (DOT). 

ACTION: Final rule. 

SUMMARY: We are adopting a new 

airworthiness directive (AD) for certain 

Bombardier, Inc. Model DHC–8–400 

series airplanes. This AD was prompted 

by a report that during production, an 

incorrect clevis was used, resulting in 

improper installation onto the alternate 

release cable of the main landing gear 

(MLG). This AD requires a detailed 

visual inspection of the emergency 

release clevis of the MLG to determine 

if an incorrect clevis has been installed, 

and if necessary, replacing the clevis 

with a correct clevis and clevis pin. We 

are issuing this AD to detect and correct 

improper installation of the clevis, 

which could cause loss of the alternate 

release system and prevent the MLG 

from extending and retracting, and 

could consequently affect the airplane’s 

continued safe flight and landing. 

DATES: This AD becomes effective May 

26, 2015. 

The Director of the Federal Register 

approved the incorporation by reference 

of a certain publication listed in this AD 

as of May 26, 2015. 


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