80812 Federal Register / Vol. 75, No. 246 / Thursday, December 23, 2010 / Notices 

‘‘(E) What is a fair estimate of the size 

and worth of the ‘unbanked’ market in 

the United States?’’ 

In addition to these mandated 

objectives, the FDIC seeks to identify 

and quantify the extent to which 

institutions serve the needs of the 

unbanked and underbanked; identify 

the characteristics of institutions that 

are reaching out to and serving the 

unbanked and underbanked; identify 

efforts (for example, practices, 

programs, alliances) of institutions to 

serve the unbanked and underbanked; 

and identify potential barriers that affect 

the ability of institutions to serve the 

unbanked and underbanked. 

In its inaugural survey effort, the first 

of its kind to be conducted at the 

national level, the FDIC conducted a 

two-pronged survey—a sample survey 

of FDIC-insured depository institutions 

and a limited number of case studies of 

FDIC-insured depository institutions 

that were employing innovative 

methods to serve unbanked and 

underbanked populations. The results of 

the initial survey effort, which were 

released in February 2009, showed that 

while most banks were aware of 

significant unbanked and underbanked 

populations in their areas, more could 

be done to reach out to these important 

markets. A copy of the survey findings 

can be accessed at the following link: 

http://www.fdic.gov/unbankedsurveys/. 

In this second Bank Survey survey 

effort, the FDIC proposes to sample 

survey FDIC-insured depository 

institution at the headquarters and 

branch office level on their efforts to 

meet the needs of underserved 

populations. By so doing, the survey 

will provide insights into relevant 

headquarter strategies as well as 

offerings at the branch level. This 

approach will also enable the FDIC to 

analyze survey results by bank size class 

as well as by geographic location, 

including efforts of branch offices 

located in low to-moderate income 

versus other geographic areas. 

Request for Comment 

Comments are invited on: (a) Whether 

the collection of information is 

necessary for the proper performance of 

the FDIC’s functions, including whether 

the information has practical utility; (b) 

the accuracy of the estimates of the 

burden of the information collection; (c) 

ways to enhance the quality, utility, and 

clarity of the information to be 

collected; and (d) ways to minimize the 

burden of the information collection on 

respondents, including through the use 

of automated collection techniques or 

other forms of information technology. 

The FDIC will consider all comments to 

determine the extent to which the 

proposed information collection should 

be modified prior to submission to OMB 

for review and approval. After the 

comment period closes, comments will 

be summarized or included in the 

FDIC’s request to OMB for approval of 

the collection. All comments will 

become a matter of public record. 

Dated at Washington, DC, this 20th day of 

December, 2010. 

Federal Deposit Insurance Corporation. 

Valerie J. Best, 

Assistant Executive Secretary. 

[FR Doc. 2010–32282 Filed 12–22–10; 8:45 am] 

BILLING CODE P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

Sunshine Act Meeting 

Pursuant to the provisions of the 

‘‘Government in the Sunshine Act’’ 

(5 U.S.C. 552b), notice is hereby given 

that at 11:10 a.m. on Tuesday, December 

14, 2010, the Board of Directors of the 

Federal Deposit Insurance Corporation 

met in closed session to consider 

matters related to the Corporation’s 

supervision, corporate and resolution 

activities. 

In calling the meeting, the Board 

determined, on motion of Vice 

Chairman Martin J. Gruenberg, 

seconded by Director John E. Bowman 

(Acting Director, Office of Thrift 

Supervision), concurred in by Director 

Thomas J. Curry (Appointive), Director 

John G. Walsh (Acting Comptroller of 

the Currency), and Chairman Sheila C. 

Bair, that Corporation business required 

its consideration of the matters which 

were to be the subject of this meeting on 

less than seven days’ notice to the 

public; that no earlier notice of the 

meeting was practicable; that the public 

interest did not require consideration of 

the matters in a meeting open to public 

observation; and that the matters could 

be considered in a closed meeting by 

authority of subsections (c)(2), (c)(4), 

(c)(6), (c)(8), (c)(9)(A)(ii), (c)(9)(B), and 

(c)(10) of the ‘‘Government in the 

Sunshine Act’’ (5 U.S.C. 552b(c)(2), 

(c)(4), (c)(6), (c)(8), (c)(9)(A)(ii), (c)(9)(B), 

and (c)(10)). 

The meeting was held in the Board 

Room of the FDIC Building located at 

550—17th Street, NW., Washington, DC. 

Dated: December 14, 2010. 

Federal Deposit Insurance Corporation. 

Valerie J. Best, 

Assistant Executive Secretary. 

[FR Doc. 2010–32501 Filed 12–21–10; 4:15 pm] 

BILLING CODE P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

Update to Notice of Financial 

Institutions for Which the Federal 

Deposit Insurance Corporation Has 

Been Appointed Either Receiver, 

Liquidator, or Manager 

AGENCY: Federal Deposit Insurance 

Corporation. 

ACTION: Update Listing of Financial 

Institutions in Liquidation. 

SUMMARY: Notice is hereby given that 

the Federal Deposit Insurance 

Corporation (Corporation) has been 

appointed the sole receiver for the 

following financial institutions effective 

as of the Date Closed as indicated in the 

listing. This list (as updated from time 

to time in the Federal Register) may be 

relied upon as ‘‘of record’’ notice that the 

Corporation has been appointed receiver 

for purposes of the statement of policy 

published in the July 2, 1992 issue of 

the Federal Register (57 FR 29491). For 

further information concerning the 

identification of any institutions which 

have been placed in liquidation, please 

visit the Corporation Web site at http:// 

www.fdic.gov/bank/individual/failed/ 

banklist.html or contact the Manager of 

Receivership Oversight in the 

appropriate service center. 

Dated: December 13, 2010. 

Federal Deposit Insurance Corporation. 

Pamela Johnson, 

Regulatory Editing Specialist. 

INSTITUTIONS IN LIQUIDATION

[In alphabetical order] 

FDIC Ref. No. Bank name City State Date closed 

10317 ................ Earthstar Bank ..................................................... Southampton ....................................................... PA 12/10/2010 

10318 ................ Paramount Bank .................................................. Farmington Hills ................................................... MI 12/10/2010 

mstockstill on DSKH9S0YB1PROD with NOTICES

Federal Register / Vol. 75, No. 246 / Thursday, December 23, 2010 / Notices 80813 

[FR Doc. 2010–32205 Filed 12–22–10; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

Update to Notice of Financial 

Institutions for Which the Federal 

Deposit Insurance Corporation Has 

Been Appointed Either Receiver, 

Liquidator, or Manager 

AGENCY: Federal Deposit Insurance 

Corporation. 

ACTION: Update Listing of Financial 

Institutions in Liquidation. 

SUMMARY: Notice is hereby given that 

the Federal Deposit Insurance 

Corporation (Corporation) has been 

appointed the sole receiver for the 

following financial institutions effective 

as of the Date Closed as indicated in the 

listing. This list (as updated from time 

to time in the Federal Register) may be 

relied upon as ‘‘of record’’ notice that the 

Corporation has been appointed receiver 

for purposes of the statement of policy 

published in the July 2, 1992 issue of 

the Federal Register (57 FR 29491). For 

further information concerning the 

identification of any institutions which 

have been placed in liquidation, please 

visit the Corporation Web site at http:// 

www.fdic.gov/bank/individual/failed/ 

banklist.html or contact the Manager of 

Receivership Oversight in the 

appropriate service center. 

Dated: November 22, 2010. 

Pamela Johnson, 

Regulatory Editing Specialist, Federal Deposit 

Insurance Corporation. 

INSTITUTIONS IN LIQUIDATION

[In alphabetical order] 

FDIC Ref. No. Bank name City State Date closed 

10314 ................ Allegiance Bank of North America .................... Bala Cynwyd ..................................................... PA 11/19/2010 

10315 ................ First Banking Center ......................................... Burlington .......................................................... WI 11/19/2010 

10316 ................ Gulf State Community Bank .............................. Carrabelle .......................................................... FL 11/19/2010 

[FR Doc. 2010–32206 Filed 12–22–10; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL FINANCIAL INSTITUTIONS 

EXAMINATION COUNCIL 

[Docket No. AS10–12] 

Appraisal Subcommittee (ASC); ASC 

Rules of Operation; Amended 

AGENCY: Appraisal Subcommittee of the 

Federal Financial Institutions 

Examination Council. 

ACTION: Notice of adoption of amended 

ASC Rules of Operation by vote of the 

ASC at its December 8, 2010 meeting. 

The amended ASC Rules of Operation 

supersede the ASC Rules of Operation 

as published in 56 FR 28561 (June 21, 

1991), and as previously amended by 56 

FR 33451 (July 22, 1991); therefore, 56 

FR 28561 and 56 FR 33451 will be 

withdrawn, removed, and deleted upon 

publication of the amended ASC Rules 

of Operation. 

SUMMARY: This notice announces the 

Appraisal Subcommittee (ASC) of the 

Federal Financial Institutions 

Examination Council’s (FFIEC) adoption 

of its amended ASC Rules of Operation. 

The ASC Rules of Operation serve as 

corporate bylaws outlining the ASC’s 

purpose, functions, authority, 

organization and operation. 

SUPPLEMENTARY INFORMATION: Section 

1102 (12 U.S.C. 3310) of Title XI of the 

Financial Institutions Reform, Recovery, 

and Enforcement Act of 1989 (Title XI) 

established the ASC. The Dodd-Frank 

Wall Street Reform and Consumer 

Protection Act of 2010 (the Dodd-Frank 

Act) amended numerous provisions in 

Title XI. The amended ASC Rules of 

Operation reflect the amendments to 

Title XI brought about by the DoddFrank Act, and describe, among other 

things, the organization of ASC 

meetings, notice requirements for 

meetings, quorum requirements, and 

certain practices regarding the 

disclosure of information. 

DATES: Effective Date: Immediately. 

FOR FURTHER INFORMATION CONTACT: 

James R. Park, Executive Director, at 

(202) 595–7575, or Alice M. Ritter, 

General Counsel, at (202) 595–7577, via 

Internet e-mail at jim@asc.gov and 

alice@asc.gov, respectively, or by U.S. 

Mail at Appraisal Subcommittee, 1401 

H Street, NW., Suite 760, Washington, 

DC 20005. 

* * * * * 

ASC Rules of Operation 

Article I 

Nature and Purpose 

Section 1.01. Appraisal Subcommittee 

Established. 

The Appraisal Subcommittee (ASC) is 

established by Title XI of the Financial 

Institutions Reform, Recovery, and 

Enforcement Act of 1989 (Title XI), as 

amended by the Dodd-Frank Wall Street 

Reform and Consumer Protection Act of 

2010 (Dodd-Frank Act). 

Section 1.02. Definitions. 

(1) Appraisal Subcommittee; ASC. 

The terms ‘‘Appraisal Subcommittee’’ 

and ‘‘ASC’’ mean the Appraisal 

Subcommittee of the Federal Financial 

Institutions Examination Council. 

(2) Title XI. The term ‘‘Title XI’’ means 

Title XI of the Financial Institutions 

Reform, Recovery, and Enforcement Act 

of 1989 (Pub. L 101–73, 103 Stat. 511 

(1989) 12 U.S.C. 3310, 3331–3351). 

(3) Federal financial institutions 

regulatory agencies. The term ‘‘Federal 

financial institutions regulatory 

agencies’’ means the Board of Governors 

of the Federal Reserve System, the 

Federal Deposit Insurance Corporation, 

the Office of the Comptroller of the 

Currency, the Office of Thrift 

Supervision, and the National Credit 

Union Administration. 

(4) ASC members. The term ‘‘ASC 

members’’ means those persons 

designated as representatives to the 

Appraisal Subcommittee pursuant to: 

a) section 1011 of the Federal 

Financial Institutions Examination 

Council Act of 1978 (12 U.S.C. 3310), as 

added by section 1102 of Title XI and 

amended by section 1473(s) of the 

Dodd-Frank Act; and 

b) the Department of Housing and 

Urban Development pursuant to 12 

U.S.C. 1708(e)(2). 

(5) Member agency. The term 

‘‘member agency’’ means those agencies 

authorized to appoint designees to the 

Appraisal Subcommittee described in: 

a) section 1011 of the Federal 

Financial Institutions Examination 

Council Act of 1978 (12 U.S.C. 3310), as 

added by section 1102 of Title XI and 

amended by section 1473(s) of the 

Dodd-Frank Act; and 

b) the Department of Housing and 

Urban Development pursuant to 12 

U.S.C. 1708(e)(2). 

(6) Council. The term ‘‘Council’’ 

means the Federal Financial Institutions 

Examinations Council. 

(7) Chairperson. The term 

‘‘Chairperson’’ means the Chairperson of 

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