Federal Register / Vol. 72, No. 156 / Tuesday, August 14, 2007 / Notices 45495 

DEPARTMENT OF THE TREASURY 

Office of the Comptroller of the 

Currency 

[Docket ID OCC–2007–0013] 

BOARD OF GOVERNORS OF THE 

FEDERAL RESERVE SYSTEM 

[Docket No. OP–1292] 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

DEPARTMENT OF THE TREASURY 

Office of Thrift Supervision 

[Docket ID OTS–2007–0016] 

NATIONAL CREDIT UNION 

ADMINISTRATION 

Proposed Illustrations of Consumer 

Information for Subprime Mortgage 

Lending 

AGENCIES: Office of the Comptroller of 

the Currency, Treasury (OCC); Board of 

Governors of the Federal Reserve 

System (Board); Federal Deposit 

Insurance Corporation (FDIC); Office of 

Thrift Supervision, Treasury (OTS); and 

National Credit Union Administration 

(NCUA). 

ACTION: Notice of proposed illustrations 

of consumer information with request 

for comment. 

SUMMARY: The OCC, Board, FDIC, OTS, 

and NCUA (the Agencies), request 

comment on these Proposed 

Illustrations of Consumer Information 

for Subprime Mortgage Lending. The 

illustrations are intended to assist 

institutions in providing consumer 

information as discussed in the 

consumer protection portion of the 

Agencies’ Statement on Subprime 

Mortgage Lending (Subprime 

Statement). The illustrations are not 

intended as model forms, and 

institutions will not be required to use 

them. Rather, they are provided to 

respond to the requests of commenters 

that the Agencies provide uniform 

disclosures for, or illustrations of, the 

type of consumer information 

contemplated by the Subprime 

Statement. 

DATES: Comments must be submitted on 

or before October 15, 2007. 

ADDRESSES: The Agencies will jointly 

review all of the comments submitted. 

Therefore, interested parties may send 

comments to any of the Agencies and 

need not send comments (or copies) to 

all of the Agencies. Please consider 

submitting your comments by e-mail or 

fax, since paper mail in the Washington 

area and at the Agencies is subject to 

delay. Interested parties are invited to 

submit comments to: 

OCC: You may submit comments by 

any of the following methods: 

• E-mail: 

regs.comments@occ.treas.gov. 

• Fax: (202) 874–4448. 

• Mail: Office of the Comptroller of 

the Currency, 250 E Street, SW., Mail 

Stop 1–5, Washington, DC 20219. 

• Hand Delivery/Courier: 250 E 

Street, SW., Attn: Public Information 

Room, Mail Stop 1–5, Washington, DC 

20219. 

Instructions: You must include 

‘‘OCC’’ as the agency name and ‘‘Docket 

ID OCC–2007–0013’’ in your comment. 

In general, OCC will enter all comments 

received into the docket without 

change, including any business or 

personal information that you provide 

such as name and address information, 

e-mail addresses, or phone numbers. 

Comments, including attachments and 

other supporting materials, received are 

part of the public record and subject to 

public disclosure. Do not enclose any 

information in your comment or 

supporting materials that you consider 

confidential or inappropriate for public 

disclosure. 

You may review comments and other 

related materials by any of the following 

methods: 

• Viewing Comments Personally: You 

may personally inspect and photocopy 

comments at the OCC’s Public 

Information Room, 250 E Street, SW., 

Washington, DC. For security reasons, 

the OCC requires that visitors make an 

appointment to inspect comments. You 

may do so by calling (202) 874–5043. 

Upon arrival, visitors will be required to 

present valid government-issued photo 

identification and submit to security 

screening in order to inspect and 

photocopy comments. 

Docket: You may also view or request 

available background documents and 

project summaries using the methods 

described above. 

Board: You may submit comments, 

identified by Docket No. OP–1292, by 

any of the following methods: 

• Agency Web Site: http:// 

www.federalreserve.gov. Follow the 

instructions for submitting comments at 

http://www.federalreserve.gov/ 

generalinfo/foia/ProposedRegs.cfm. 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

• E-mail: 

regs.comments@federalreserve.gov. 

Include the docket number in the 

subject line of the message. 

• Fax: 202/452–3819 or 202/452–

3102. 

• Mail: Jennifer J. Johnson, Secretary, 

Board of Governors of the Federal 

Reserve System, 20th Street and 

Constitution Avenue, NW., Washington, 

DC 20551. All public comments are 

available from the Board’s Web site at 

http://www.federalreserve.gov/ 

generalinfo/foia/ProposedRegs.cfm as 

submitted, unless modified for technical 

reasons. Accordingly, your comments 

will not be edited to remove any 

identifying or contact information. 

Public comments may also be viewed in 

electronic or paper form in Room MP–

500 of the Board’s Martin Building (20th 

and C Streets, NW.) between 9 a.m. and 

5 p.m. on weekdays. 

FDIC: You may submit comments by 

any of the following methods: 

• Agency Web Site: http:// 

www.fdic.gov/regulations/laws/federal. 

Follow instructions for submitting 

comments on the Agency Web Site. 

• E-mail: Comments@FDIC.gov. 

Include ‘‘Proposed Illustrations’’ in the 

subject line of the message. 

• Mail: Robert E. Feldman, Executive 

Secretary, Attention: Comments, Federal 

Deposit Insurance Corporation, 550 17th 

Street, NW., Washington, DC 20429. 

• Hand Delivery/Courier: Guard 

station at the rear of the 550 17th Street 

Building (located on F Street) on 

business days between 7 a.m. and 5 p.m. 

(EST). 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

Public Inspection: All comments 

received will be posted without change 

to http://www.fdic.gov/regulations/laws/ 

federal including any personal 

information provided. Comments may 

be inspected and photocopied in the 

FDIC Public Information Center, 3501 

North Fairfax Drive, Room E–1002, 

Arlington, VA 22226, between 9 a.m. 

and 5 p.m. (EST) on business days. 

Paper copies of public comments may 

be ordered from the Public Information 

Center by telephone at (877) 275–3342 

or (703) 562–2200. 

OTS: You may submit comments, 

identified by ID OTS–2007–0016, by 

any of the following methods: 

• E-mail: 

regs.comments@ots.treas.gov. Please 

include ID OTS–2007–0016 in the 

subject line of the message and include 

your name and telephone number in the 

message. 

• Fax: (202) 906–6518. 

• Mail: Regulation Comments, Chief 

Counsel’s Office, Office of Thrift 

Supervision, 1700 G Street, NW., 

Washington, DC 20552, Attention: ID 

OTS–2007–0016. 

• Hand Delivery/Courier: Guard’s 

Desk, East Lobby Entrance, 1700 G 

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45496 Federal Register / Vol. 72, No. 156 / Tuesday, August 14, 2007 / Notices 

Street, NW., from 9 a.m. to 4 p.m. on 

business days. Address envelope as 

follows: Attention: Regulation 

Comments, Chief Counsel’s Office, 

Attention: ID OTS–2007–0016. 

Instructions: All submissions received 

must include the agency name and 

docket number for this proposed 

Guidance. All comments received will 

be posted without change to the OTS 

Internet Site at http://www.ots.treas.gov/ 

pagehtml.cfm?catNumber=67&an=1, 

including any personal information 

provided. 

Docket: For access to the docket to 

read background documents or 

comments received, go to http:// 

www.ots.treas.gov/ 

pagehtml.cfm?catNumber=67&an=1. 

In addition, you may inspect 

comments at the Public Reading Room, 

1700 G Street, NW., by appointment. To 

make an appointment for access, call 

(202) 906–5922, send an e-mail to 

public.info@ots.treas.gov, or send a 

facsimile transmission to (202) 906–

7755. (Prior notice identifying the 

materials you will be requesting will 

assist us in serving you.) We schedule 

appointments on business days between 

10 a.m. and 4 p.m. In most cases, 

appointments will be available the next 

business day following the date we 

receive a request. 

NCUA: You may submit comments by 

any of the following methods: 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

• NCUA Web Site: http:// 

www.ncua.gov/ 

RegulationsOpinionsLaws/ 

proposed_regs/proposed_regs.html. 

Follow the instructions for submitting 

comments. 

• E-mail: Address to 

regcomments@ncua.gov. Include ‘‘[Your 

name] Comments on’’ in the e-mail 

subject line. 

• Fax: (703) 518–6319. Use the 

subject line described above for e-mail. 

• Mail: Address to Mary Rupp, 

Secretary of the Board, National Credit 

Union Administration, 1775 Duke 

Street, Alexandria, Virginia 22314–

3428. 

• Hand Delivery/Courier: Same as 

mail address. 

FOR FURTHER INFORMATION CONTACT: 

OCC: Michael S. Bylsma, Director, 

Stephen Van Meter, Assistant Director, 

or Kathryn D. Ray, Special Counsel, 

Community and Consumer Law 

Division, (202) 874–5750. 

Board: Kathleen C. Ryan, Counsel, or 

Jamie Z. Goodson, Attorney, Division of 

Consumer and Community Affairs, (202) 

452–3667; or Kara Handzlik, Attorney, 

Legal Division, (202) 452–3852. For 

users of Telecommunications Device for 

the Deaf (‘‘TDD’’) only, contact (202) 

263–4869. 

FDIC: Victoria M. Pawelski, Policy 

Analyst, (202) 898–3571, or Mira N. 

Marshall, Acting Chief, CRA/Fair 

Lending Section, (202) 898–3912, 

Compliance Policy & Exam Support 

Branch, Division of Supervision and 

Consumer Protection; or Richard B. 

Foley, Counsel, Legal Division, (202) 

898–3784. 

OTS: Montrice G. Yakimov, Assistant 

Managing Director, (202) 906–6173 or 

Glenn Gimble, Senior Project Manager, 

(202) 906–7158, Compliance and 

Consumer Protection Division. 

NCUA: Cory W. Phariss, Program 

Officer, Examination and Insurance, 

(703) 518–6618. 

SUPPLEMENTARY INFORMATION: 

I. Background 

On March 8, 2007, the Agencies 

published for comment a proposed 

Statement on Subprime Mortgage 

Lending, 72 FR 10533 (Mar. 8, 2007) 

(proposed statement). The consumer 

protection portion of the proposed 

statement set forth recommended 

practices to ensure that consumers have 

clear and balanced information about 

the relative benefits and risks of certain 

adjustable rate mortgage (ARM) 

products. The proposed statement 

specifically indicated that consumers 

should be informed about issues relating 

to potential payment shock—i.e., 

significant increases in monthly 

payments that may occur when the 

interest rate adjusts to a fully-indexed 

rate—as well as other features that may 

be present in these loans, including 

prepayment penalties, balloon 

payments, pricing premiums for 

reduced documentation loans, and the 

borrower’s responsibility for real estate 

taxes and insurance if not escrowed. 

The Agencies revised the proposed 

statement based on the comments 

received, and recently published the 

final Statement on Subprime Mortgage 

Lending in the Federal Register 

(Subprime Statement). 72 FR 37569 

(July 10, 2007). Like the Interagency 

Guidance on Nontraditional Mortgage 

Product Risks, 71 FR 58609 (Oct. 4, 

2006), the Subprime Statement is 

applicable to all banks and their 

subsidiaries, bank holding companies 

and their nonbank subsidiaries, savings 

associations and their subsidiaries, 

savings and loan holding companies 

and their subsidiaries, and credit 

unions. 

The Subprime Statement, including 

the consumer protection portion, 

provides recommended practices to 

assist institutions in addressing 

particular risks and consumer 

protection concerns raised by certain 

ARM products typically offered to 

subprime borrowers. Some industry 

group commenters on the proposal 

asked the Agencies to provide uniform 

disclosures for these products, or to 

publish illustrations of the consumer 

information contemplated by the 

Subprime Statement similar to those 

previously proposed by the Agencies in 

connection with nontraditional 

mortgage products. 71 FR 58609 (Oct. 4, 

2006). The Agencies recently published 

final Illustrations of Consumer 

Information for Nontraditional Mortgage 

Products. 72 FR 31825 (June 8, 2007). 

As was done with those illustrations, 

the Agencies believe that it would be 

desirable to seek public comment before 

issuing these illustrations in order to 

determine the types of illustrations that 

would be most useful to consumers and 

institutions. 

II. Proposed Illustrations 

The Agencies believe that illustrations 

of consumer information may be useful 

to institutions as they implement the 

consumer information 

recommendations of the Subprime 

Statement. The Agencies appreciate that 

some institutions, including community 

banks, may prefer not to incur the costs 

and other burdens of developing their 

own consumer information documents 

to address the issues raised in the 

Subprime Statement, and could benefit 

from illustrations like those below. 

Use of the proposed illustrations is 

entirely voluntary. Accordingly, there is 

no Agency requirement or expectation 

that institutions must use the 

illustrations in their communications 

with consumers. 

Institutions seeking to follow the 

recommendations set forth in the 

Subprime Statement could, at their 

option, elect to: 

• Use the illustrations; 

• Provide information based on the 

illustrations, but expand, abbreviate, or 

otherwise tailor any information in the 

illustrations as appropriate to reflect, for 

example: 

Æ the institution’s product offerings, 

such as by deleting information about 

loan products and loan terms not 

offered by the institution and by 

revising the illustrations to reflect 

specific terms currently offered by the 

institution; 

Æ the consumer’s particular loan 

requirements or qualifications; 

Æ current market conditions, such as 

by changing the loan amounts, interest 

rates, and corresponding payment 

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1 72 FR at 37574. 

2The ARM loan in Illustration 2 assumes a start 

rate of 7 percent, an initial index of 5.5 percent and 

a margin of 6 percent. It assumes annual payment 

adjustments after the initial discount period, a 3 

percent cap on the interest rate increase at the end 

of year 2, and a 2 percent annual payment 

adjustment cap on interest rate increases thereafter, 

with a lifetime payment adjustment cap of 6 percent 

(or a maximum rate of 13 percent). It also assumes 

no change in the index through year 4. 

amounts to reflect current local market 

circumstances; and 

Æ other material information relating 

to the loan consistent with the 

Subprime Statement; or 

• Provide the information described 

in the Subprime Statement, as 

appropriate, in an alternate format. 

Whether or not an institution chooses 

to use the proposed illustrations, the 

Subprime Statement provides that 

communications with consumers, 

including advertisements, oral 

statements, and promotional materials, 

should provide clear and balanced 

information about the relative benefits 

and risks of certain ARM products. 

Further, product descriptions and 

advertisements are to provide clear, 

detailed information about the costs, 

terms, features, and risks of the loan to 

the borrower. In particular, the 

Subprime Statement indicates that 

‘‘[i]nformation provided to consumers 

should clearly explain the risk of 

payment shock and the ramifications of 

prepayment penalties, balloon 

payments, and the lack of escrow for 

taxes and insurance, as necessary.’’ 1

Consumers also should be informed 

about any pricing premium associated 

with a stated income or reduced 

documentation loan program. 

This recommended information could 

be presented as shown in the two 

illustrations set forth below. Illustration 

1 is a narrative explanation of some of 

the key features of certain ARM loans 

that are identified in the Subprime 

Statement, including payment shock, 

responsibility for taxes and insurance, 

prepayment penalties, balloon 

payments, and increased costs 

associated with stated income or 

reduced documentation loans. The 

Subprime Statement indicates that 

information provided to consumers 

should clearly explain these features 

and their ramifications in a timely 

manner. Illustration 1 seeks to provide 

both the general and loan-specific 

information contemplated in the 

Subprime Statement in a format that 

could be used by creditors seeking to 

implement the consumer protection 

recommendations in the guidance. 

Creditors that use Illustration 1 should, 

of course, delete or modify the 

prepayment penalty or other language in 

the illustration in order to reflect the 

actual terms being offered. Illustration 1 

is also intended to enable creditors to 

implement the Subprime Statement 

with minimal burden. 

Illustration 2 is a chart with 

numerical examples that is designed to 

show the potential consequences of 

payment shock in a concrete, readily 

understandable manner for a loan 

structured with a discounted interest 

rate for the first two years. Illustration 

2 provides information on payments for 

an ARM loan, assuming caps on annual 

and aggregate interest rate increases 

based on typical terms in the market,2

and information for a comparable fixed 

rate mortgage. 

Creditors could satisfy the consumer 

information recommendations by 

simply photocopying the illustrations 

(after making any necessary deletions or 

modifications) and distributing them to 

consumers in a timely manner. In 

addition, once the Agencies adopt 

illustrations as final, to assist 

institutions that wish to use them, the 

Agencies will post them on their 

respective Web sites in a form that can 

be downloaded, modified as 

appropriate, and printed for easy 

reproduction. 

III. Request for Comment 

The Agencies request comment on all 

aspects of the proposed illustrations. We 

encourage specific comment on whether 

the illustrations, as proposed, would be 

useful to institutions, including 

community banks, seeking to implement 

the ‘‘Consumer Protection Principles’’

portion of the Subprime Statement, or 

whether changes should be made to 

them. We also encourage specific 

comment on the following: whether the 

illustrations, as proposed, would be 

useful in promoting consumer 

understanding of the risks and material 

terms of certain ARM products, as 

described in the Subprime Statement, or 

whether changes should be made to 

them. We also seek comment on 

whether the information in the 

proposed illustrations is set forth in a 

clear manner and format; whether these 

illustrations or a modified form should 

be adopted by the Agencies; and 

whether there are additional 

illustrations relating to certain ARM 

products that would be useful to 

consumers and institutions. 

The Agencies are aware that 

individual institutions and industry 

associations have developed and are 

likely to continue developing 

documents that can be effective in 

conveying critical information 

discussed in the ‘‘Consumer Protection 

Principles’’ portion of the Subprime 

Statement. These illustrations are not 

intended to dissuade institutions and 

associations from developing their own 

means of delivering important 

information about these products to 

consumers. In this regard, the Agencies 

note that they have not conducted any 

consumer testing to assess the 

effectiveness of any existing documents 

currently used by institutions, or of the 

proposed illustrations set forth below. 

Commenters are specifically invited to 

provide information on any consumer 

testing they have conducted in 

connection with comparable 

disclosures. 

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45500 Federal Register / Vol. 72, No. 156 / Tuesday, August 14, 2007 / Notices 

Dated: August 2, 2007. 

John C. Dugan, 

Comptroller of the Currency. 

By order of the Board of Governors of the 

Federal Reserve System, August 2, 2007. 

Jennifer J. Johnson, 

Secretary of the Board. 

Dated at Washington, DC the 31st day of 

July, 2007. 

By order of the Federal Deposit Insurance 

Corporation. 

Valerie J. Best, 

Assistant Executive Secretary. 

Dated: August 7, 2007. 

By the Office of Thrift Supervision. 

John M. Reich, 

Director. 

Dated: August 3, 2007. 

By the National Credit Union 

Administration. 

JoAnn M. Johnson, 

Chairman. 

[OCC–4810–33–P 20%] 

[FRB–6210–01–P 20%] 

[FDIC–6714–01–P 20%] 

[OTS–6720–01–P 20%] 

[NCUA–7535–01–P 20%] 

[FR Doc. 07–3945 Filed 8–13–07; 8:45 am] 

BILLING CODE 4810–33–P, 6210–01–P, 6714–01–P, 

6720–01–P, 7535–01–P 

DEPARTMENT OF THE TREASURY 

Internal Revenue Service 

Open Meeting of the Wage and 

Investment Reducing Taxpayer Burden 

(Notices) Issue Committee of the 

Taxpayer Advocacy Panel 

AGENCY: Internal Revenue Service (IRS), 

Treasury. 

ACTION: Notice of meeting. 

SUMMARY: An open meeting of the Wage 

and Investment Reducing Taxpayer 

Burden (Notices) Issue Committee of the 

Taxpayer Advocacy Panel will be 

conducted (via teleconference). The 

Taxpayer Advocacy Panel is soliciting 

public comments, ideas and suggestions 

on improving customer service at the 

Internal Revenue Service. 

DATES: The meeting will be held 

Thursday, September 6, 2007 from 1 

p.m. ET. 

FOR FURTHER INFORMATION CONTACT: 

Sallie Chavez at 1–888–912–1227, or 

954–423–7979. 

SUPPLEMENTARY INFORMATION: Notice is 

hereby given pursuant to section 

10(a)(2) of the Federal Advisory 

Committee Act, 5 U.S.C. App. (1988) 

that an open meeting of the Wage and 

Investment Reducing Taxpayer Burden 

(Notices) Issue Committee of the 

Taxpayer Advocacy Panel will be held 

Thursday, September 6, 2007 from 1 

p.m. ET via a telephone conference call. 

If you would like to have the TAP 

consider a written statement, please call 

1–888–912–1227 or 954–423–7979, or 

write Sallie Chavez, TAP Office, 1000 

South Pine Island Road, Suite 340, 

Plantation, FL 33324. Due to limited 

conference lines, notification of intent 

to participate in the telephone 

conference call meeting must be made 

with Sallie Chavez. Ms. Chavez can be 

reached at 1–888–912–1227 or 954–

423–7979, or post comments to the Web 

site: http://www.improveirs.org. 

The agenda will include: Various IRS 

issues. 

Dated: August 7, 2007. 

John Fay, 

Acting Director, Taxpayer Advocacy Panel. 

[FR Doc. E7–15860 Filed 8–13–07; 8:45 am] 

BILLING CODE 4830–01–P 

DEPARTMENT OF THE TREASURY 

Internal Revenue Service 

Open Meeting of the Area 3 Taxpayer 

Advocacy Panel (Including the States 

of Florida, Georgia, Alabama, 

Mississippi, Louisiana, and Arkansas, 

and the Territory of Puerto Rico) 

AGENCY: Internal Revenue Service (IRS), 

Treasury. 

ACTION: Notice. 

SUMMARY: An open meeting of the Area 

3 Committee of the Taxpayer Advocacy 

Panel will be conducted (via 

teleconference). The Taxpayer 

Advocacy Panel is soliciting public 

comments, ideas, and suggestions on 

improving customer service at the 

Internal Revenue Service. 

DATES: The meeting will be held 

Tuesday, September 11, 2007, from 

11:30 a.m. ET. 

FOR FURTHER INFORMATION CONTACT: 

Sallie Chavez at 1–888–912–1227, or 

954–423–7979. 

SUPPLEMENTARY INFORMATION: Notice is 

hereby given pursuant to section 

10(a)(2) of the Federal Advisory 

Committee Act, 5 U.S.C. App. (1988) 

that an open meeting of the Area 3 

Committee of the Taxpayer Advocacy 

Panel will be held Tuesday, September 

11, 2007, from 11:30 a.m. ET via a 

telephone conference call. If you would 

like to have the TAP consider a written 

statement, please call 1–888–912–1227 

or 954–423–7979, or write Sallie 

Chavez, TAP Office, 1000 South Pine 

Island Rd., Suite 340, Plantation, FL 

33324. Due to limited conference lines, 

notification of intent to participate in 

the telephone conference call meeting 

must be made with Sallie Chavez. Ms. 

Chavez can be reached at 1–888–912–

1227 or 954–423–7979, or post 

comments to the Web site: http:// 

www.improveirs.org. 

The agenda will include: Various IRS 

issues. 

Dated: August 7, 2007. 

John Fay, 

Acting Director, Taxpayer Advocacy Panel. 

[FR Doc. E7–15862 Filed 8–13–07; 8:45 am] 

BILLING CODE 4830–01–P 

DEPARTMENT OF THE TREASURY 

Internal Revenue Service 

Open Meeting of the Taxpayer 

Assistance Center Committee of the 

Taxpayer Advocacy Panel 

AGENCY: Internal Revenue Service (IRS), 

Treasury. 

ACTION: Notice. 

SUMMARY: An open meeting of the 

Taxpayer Assistance Center Committee 

of the Taxpayer Advocacy Panel will be 

conducted (via teleconference). The 

Taxpayer Advocacy Panel (TAP) is 

soliciting public comments, ideas, and 

suggestions on improving customer 

service at the Internal Revenue Service. 

DATES: The meeting will be held 

Tuesday, September 4, 2007. 

FOR FURTHER INFORMATION CONTACT: 

Dave Coffman at 1–888–912–1227, or 

206–220–6096. 

SUPPLEMENTARY INFORMATION: Notice is 

hereby given pursuant to section 

10(a)(2) of the Federal Advisory 

Committee Act, 5 U.S.C. App. (1988) 

that an open meeting of the Taxpayer 

Assistance Center Committee of the 

Taxpayer Advocacy Panel will be held 

Tuesday, September 4, 2007 from 9 a.m. 

to 10 a.m. Pacific Time via a telephone 

conference call. If you would like to 

have the TAP consider a written 

statement, please call 1–888–912–1227 

or 206–220–6096, or write to Dave 

Coffman, TAP Office, 915 2nd Avenue, 

MS W–406, Seattle, WA 98174 or you 

can contact us at http:// 

www.improveirs.org. Due to limited 

conference lines, notification of intent 

to participate in the telephone 

conference call meeting must be made 

with Dave Coffman. Mr. Coffman can be 

reached at 1–888–912–1227 or 206–

220–6096. 

The agenda will include the 

following: Various IRS issues. 

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