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.

Rules and Regulations Federal Register

58065 

Vol. 88, No. 164 

Friday, August 25, 2023 

CONSUMER FINANCIAL PROTECTION 

BUREAU 

12 CFR Parts 1022, 1002, and 1026 

Agency Contact Information; Technical 

Corrections 

AGENCY: Consumer Financial Protection 

Bureau. 

ACTION: Final rule; correction. 

SUMMARY: On March 20, 2023, the 

Consumer Financial Protection Bureau 

(Bureau or CFPB) published the 

‘‘Agency Contact Information’’ final rule 

in the Federal Register. The Bureau has 

identified four clerical errors in that 

final rule. These errors are found in the 

Federal agency contact information that 

must be provided with Equal Credit 

Opportunity Act adverse action notices 

in appendix A to Regulation B, the Fair 

Credit Reporting Act Summary of 

Consumer Rights in appendix K to 

Regulation V, and a Bureau website 

address where the public may access 

certain APR tables referenced in 

comment appendix J–2 to Regulation Z. 

This document corrects these errors. 

DATES: This correction is effective on 

September 25, 2023. 

FOR FURTHER INFORMATION CONTACT: 

Luke Diamond, Counsel or Ruth Van 

Veldhuizen, Senior Counsel, Office of 

Regulations, at 202–435–7700. If you 

require this document in an alternative 

electronic format, please contact CFPB_

Accessibility@cfpb.gov. 

SUPPLEMENTARY INFORMATION: On March 

20, 2023, the Consumer Financial 

Protection Bureau (Bureau or CFPB) 

published the ‘‘Agency Contact 

Information’’ final rule in the Federal 

Register. This final rule made nonsubstantive corrections and updates to 

Bureau and other Federal agency 

contact information found at certain 

locations in Regulations B, E, F, J, V, X, 

Z, and DD, including Federal agency 

contact information that must be 

provided with Equal Credit Opportunity 

Act adverse action notices and the Fair 

Credit Reporting Act Summary of 

Consumer Rights. This final rule also 

revised the chapter heading, made 

various non-substantive changes to 

Regulations B and V, and provided a 

Bureau website address where the 

public may access certain APR tables 

referenced in Regulation Z. 

The Bureau has identified four 

clerical errors in the final rule. First, in 

appendix A to Regulation B, ‘‘National 

Credit Union Administration, Office of 

Consumer Financial Protection (OCFP), 

Division of Consumer Compliance 

Policy and Outreach, 1775 Duke Street, 

Alexandria, VA 22314’’ should read 

‘‘National Credit Union Administration, 

Office of Consumer Financial Protection 

(OCFP), 1775 Duke Street, Alexandria, 

VA 22314.’’ Second, on page two of the 

Fair Credit Reporting Act Summary of 

Consumer Rights (found in appendix K 

to Regulation V), the toll-free opt out 

phone number listed as 1–800–XXX– 

XXXX should read 1–888–567–8688. 

Third, on page four of the Fair Credit 

Reporting Act Summary of Consumer 

Rights, ‘‘Assistant General Counsel for 

Office of Aviation Protection’’ should 

read ‘‘Assistant General Counsel for 

Office of Aviation Consumer 

Protection.’’ Fourth, in comment 

appendix J–2 to Regulation Z, https://

www.consumerfinance.gov/resources/ 

applicable-requirements/annualpercentage-rate-tables/ should read 

https://www.consumerfinance.gov/ 

compliance/compliance-resources/ 

other-applicable-requirements/annualpercentage-rate-tables/. 

Regulatory Requirements: The Bureau 

finds that public comment on this 

correction is unnecessary because the 

Bureau is correcting inadvertent, 

technical errors, about which there is 

minimal, if any, basis for substantive 

disagreement. Because no notice of 

proposed rulemaking is required, the 

Regulatory Flexibility Act does not 

require an initial or final regulatory 

flexibility analysis. The Bureau has 

determined that these corrections do 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. 

List of Subjects 

12 CFR Part 1002 

Aged, Banks, Banking, Civil rights, 

Consumer protection, Credit, Credit 

unions, Discrimination, Fair lending, 

Marital status discrimination, National 

banks, National origin discrimination, 

Penalties, Race discrimination, 

Religious discrimination, Reporting and 

recordkeeping requirements, Savings 

associations, Sex discrimination. 

12 CFR Part 1022 

Banks, Banking, Consumer protection, 

Credit unions, Fair Credit Reporting 

Act, Holding companies, National 

banks, Privacy, Reporting and 

recordkeeping requirements, Savings 

associations, State member banks. 

12 CFR Part 1026 

Advertising, Appraisal, Appraiser, 

Banking, banks, Consumer protection, 

Credit, Credit unions, Mortgages, 

National banks, Reporting and 

recordkeeping requirements, Savings 

associations, Truth in lending. 

Authority and Issuance 

For the reasons set forth above, the 

Bureau amends 12 CFR chapter X, as set 

forth below: 

PART 1002—EQUAL CREDIT 

OPPORTUNITY ACT (REGULATION B) 

■ 1. The authority citation for part 1002 

continues to read as follows: 

Authority: 12 U.S.C. 5512, 5581; 15 U.S.C. 

1691b. 

■ 2. Revise appendix A to read as 

follows: 

Appendix A to Part 1002—Federal 

Agencies To Be Listed in Adverse 

Action Notices 

The following list indicates the Federal 

agency or agencies that should be listed in 

notices provided by creditors pursuant to 

§ 1002.9(b)(1). Any questions concerning a 

particular creditor may be directed to such 

agencies. This list is not intended to describe 

agencies’ enforcement authority for ECOA 

and Regulation B. Terms that are not defined 

in the Federal Deposit Insurance Act (12 

U.S.C. 1813(s)) shall have the meaning given 

to them in the International Banking Act of 

1978 (12 U.S.C. 3101). 

1. Banks, savings associations, and credit 

unions with total assets of over $10 billion 

and their affiliates: Bureau of Consumer 

Financial Protection, 1700 G Street NW, 

Washington, DC 20552. Such affiliates that 


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are not banks, savings associations, or credit 

unions also should list, in addition to the 

Bureau: Federal Trade Commission, 

Consumer Response Center, 600 

Pennsylvania Avenue NW, Washington, DC 

20580. 

2. To the extent not included in item 1 

above: 

a. National Banks, Federal savings 

associations, and Federal branches and 

Federal agencies of foreign banks: Office of 

the Comptroller of the Currency, Customer 

Assistance Group, P.O. Box 53570, Houston, 

TX 77052. 

b. State member banks, branches and 

agencies of foreign banks (other than Federal 

branches, Federal agencies, and insured 

State branches of foreign banks), commercial 

lending companies owned or controlled by 

foreign banks, and organizations operating 

under section 25 or 25A of the Federal 

Reserve Act: Federal Reserve Consumer Help 

Center, P.O. Box 1200, Minneapolis, MN 

55480. 

c. Nonmember Insured Banks, Insured 

State Branches of Foreign Banks, and Insured 

State Savings Associations: Division of 

Depositor and Consumer Protection, National 

Center for Consumer and Depositor 

Assistance, Federal Deposit Insurance 

Corporation, 1100 Walnut Street, Box #11, 

Kansas City, MO 64106. 

d. Federal Credit Unions: National Credit 

Union Administration, Office of Consumer 

Financial Protection (OCFP), 1775 Duke 

Street, Alexandria, VA 22314. 

3. Air Carriers: Assistant General Counsel 

for Office of Aviation Consumer Protection, 

Department of Transportation, 1200 New 

Jersey Avenue SE, Washington, DC 20590. 

4. Creditors Subject to Surface 

Transportation Board: Office of Public 

Assistance, Governmental Affairs, and 

Compliance, Surface Transportation Board, 

395 E Street SW, Washington, DC 20423. 

5. Creditors Subject to Packers and 

Stockyards Act: Nearest Packers and 

Stockyards Division Regional Office. 

6. Small Business Investment Companies: 

Associate Administrator, Office of Capital 

Access, United States Small Business 

Association, 409 Third Street SW, Suite 

8200, Washington, DC 20416. 

7. Brokers and Dealers: Securities and 

Exchange Commission, 100 F Street NE, 

Washington, DC 20549. 

8. Federal Land Banks, Federal Land Bank 

Associations, Federal Intermediate Credit 

Banks, and Production Credit Associations: 

Farm Credit Administration, 1501 Farm 

Credit Drive, McLean, VA 22102–5090. 

9. Retailers, Finance Companies, and All 

Other Creditors Not Listed Above: Federal 

Trade Commission, Consumer Response 

Center, 600 Pennsylvania Avenue NW, 

Washington, DC 20580. 

PART 1022—FAIR CREDIT 

REPORTING (REGULATION V) 

■ 3. The authority citation for part 1022 

continues to read as follows: 

Authority: 12 U.S.C. 5512, 5581; 15 U.S.C. 

1681a, 1681b, 1681c, 1681c–1, 1681c–3, 

1681e, 1681g, 1681i, 1681j, 1681m, 1681s, 

1681s–2, 1681s–3, and 1681t; Sec. 214, Pub. 

L. 108–159, 117 Stat. 1952. 

■ 4. Revise appendix K to read as 

follows: 

Appendix K to Part 1022—Summary of 

Consumer Rights 

The prescribed form for this summary is a 

disclosure that is substantially similar to the 

Bureau’s model summary with all 

information clearly and prominently 

displayed. The list of Federal regulators that 

is included in the Bureau’s prescribed 

summary may be provided separately so long 

as this is done in a clear and conspicuous 

way. A summary should accurately reflect 

changes to those items that may change over 

time (e.g., dollar amounts, or telephone 

numbers and addresses of Federal agencies) 

to remain in compliance. Translations of this 

summary will be in compliance with the 

Bureau’s prescribed model, provided that the 

translation is accurate and that it is provided 

in a language used by the recipient 

consumer. 

BILLING CODE 4810–AM–P 


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BILLING CODE 4810–AM–C 

PART 1026—TRUTH IN LENDING 

(REGULATION Z) 

■ 5. The authority citation for part 1026 

continues to read as follows: 

Authority: 12 U.S.C. 2601, 2603–2605, 

2607, 2609, 2617, 3353, 5511, 5512, 5532, 

5581; 15 U.S.C. 1601 et seq. 

■ 6. Supplement I is amended by 

revising Appendix J to read as follows: 

Supplement I to Part 1026—Official 

Interpretations 

* * * * * 

Appendix J—Annual Percentage Rate 

Computations for Closed-End Credit 

Transactions 

1. Use of appendix J. Appendix J sets 

forth the actuarial equations and 

instructions for calculating the annual 

percentage rate in closed-end credit 

transactions. While the formulas 

contained in this appendix may be 

directly applied to calculate the annual 

percentage rate for an individual 

transaction, they may also be utilized to 

program calculators and computers to 

perform the calculations. 

2. Relation to Bureau tables. The 

Bureau’s Annual Percentage Rate Tables 

also provide creditors with a calculation 

tool that applies the technical 

information in appendix J. An annual 


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percentage rate computed in accordance 

with the instructions in the tables is 

deemed to comply with the regulation. 

Volume I of the tables may be used for 

credit transactions involving equal 

payment amounts and periods, as well 

as for transactions involving any of the 

following irregularities: odd first period, 

odd first payment and odd last payment. 

Volume II of the tables may be used for 

transactions that involve any type of 

irregularities. These tables may be 

obtained from the Bureau, 1700 G Street 

NW, Washington, DC 20552, upon 

request. The tables are also available on 

the Bureau’s website at: https://

www.consumerfinance.gov/compliance/ 

compliance-resources/other-applicablerequirements/annual-percentage-ratetables/. 

* * * * * 

Paul Hannah, 

Senior Counsel and Federal Register Liaison, 

Consumer Financial Protection Bureau. 

[FR Doc. 2023–18240 Filed 8–24–23; 8:45 am] 

BILLING CODE 4810–AM–P 

DEPARTMENT OF TRANSPORTATION 

Federal Aviation Administration 

14 CFR Part 71 

[Docket No. FAA–2023–1785; Amendment 

No. 71–55] 

RIN 2120–AA66 

Airspace Designations; Incorporation 

by Reference 

AGENCY: Federal Aviation 

Administration (FAA), DOT. 

ACTION: Final rule. 

SUMMARY: This action amends 14 CFR 

part 71 relating to airspace designations 

to reflect the approval by the Director of 

the Federal Register of the incorporation 

by reference of FAA Order JO 7400.11H, 

Airspace Designations and Reporting 

Points. This action also explains the 

procedures the FAA will use to amend 

the listings of Class A, B, C, D, and E 

airspace areas; air traffic service routes; 

and reporting points incorporated by 

reference. 

DATES: These regulations are effective 

September 15, 2023, through September 

15, 2024. The incorporation by reference 

of FAA Order JO 7400.11H is approved 

by the Director of the Federal Register 

as of September 15, 2023, through 

September 15, 2024. 

ADDRESSES: A copy of this final rule, 

and all background material may be 

viewed online at www.regulations.gov 

using the FAA Docket number. 

Electronic retrieval help and guidelines 

are available on the website. It is 

available 24 hours each day, 365 days 

each year. 

FAA Order JO 7400.11H, Airspace 

Designations and Reporting Points, and 

subsequent amendments can be viewed 

online at www.faa.gov/air_traffic/ 

publications/. You may also contact the 

Rules and Regulations Group, Office of 

Policy, Federal Aviation 

Administration, 800 Independence 

Avenue SW, Washington, DC 20591; 

telephone: (202) 267–8783. 

FOR FURTHER INFORMATION CONTACT: 

Sarah A. Combs, Rules and Regulations 

Group, Office of Policy, Federal 

Aviation Administration, 800 

Independence Avenue SW, Washington, 

DC 20591; telephone: (202) 267–8783. 

SUPPLEMENTARY INFORMATION: 

History 

FAA Order JO 7400.11G, Airspace 

Designations and Reporting Points, 

effective September 15, 2022, listed 

Class A, B, C, D and E airspace areas; 

air traffic service routes; and reporting 

points. Due to the length of these 

descriptions, the FAA requested 

approval from the Office of the Federal 

Register to incorporate the material by 

reference in the Federal Aviation 

Regulations, section 71.1, effective 

September 15, 2022, through September 

15, 2023. During the incorporation by 

reference period, the FAA processed all 

proposed changes of the airspace 

listings in FAA Order JO 7400.11G in 

full text as proposed rule documents in 

the Federal Register, unless there was 

good cause to forego notice and 

comment. Likewise, all amendments of 

these listings were published in full text 

as final rules in the Federal Register. 

This rule reflects the periodic 

integration of these final rule 

amendments into a revised edition of 

FAA Order JO 7400.11H, Airspace 

Designations and Reporting Points. The 

Director of the Federal Register has 

approved the incorporation by reference 

of FAA Order JO 7400.11H in section 

71.1, as of September 15, 2023, through 

September 15, 2024. This rule also 

explains the procedures the FAA will 

use to amend the airspace designations 

incorporated by reference in part 71. 

This rule also updates sections 71.5, 

71.15, 71.31, 71.33, 71.41, 71.51, 71.61, 

71.71, and 71.901 to reflect the 

incorporation by reference of FAA 

Order JO 7400.11H. 

Incorporation by Reference 

This document incorporates by 

reference FAA Order JO 7400.11H, 

Airspace Designations and Reporting 

Points, dated August 11, 2023, and 

effective September 15, 2023, in section 

71.1. FAA Order JO 7400.11H is 

publicly available as listed in the 

ADDRESSES section of this final rule. 

FAA Order JO 7400.11H lists Class A, B, 

C, D, and E airspace areas, air traffic 

service routes, and reporting points. 

The Rule 

This action amends 14 CFR part 71 to 

reflect the approval by the Director of 

the Federal Register of the incorporation 

by reference of FAA Order JO 7400.11H, 

effective September 15, 2023, through 

September 15, 2024. During the 

incorporation by reference period, the 

FAA will continue to process all 

proposed changes of the airspace 

listings in FAA Order JO 7400.11H in 

full text as proposed rule documents in 

the Federal Register, unless there is 

good cause to forego notice and 

comment. Likewise, all amendments of 

these listings will be published in full 

text as final rules in the Federal 

Register. The FAA will periodically 

integrate all final rule amendments into 

a revised edition of FAA Order JO 

7400.11 and submit the revised edition 

to the Director of the Federal Register 

for approval for incorporation by 

reference in section 71.1. 

FAA Order JO 7400.11, Airspace 

Designations and Reporting Points is 

published yearly and effective on 

September 15. 

Regulatory Notices and Analyses 

The FAA has determined that this 

regulation only involves an established 

body of technical regulations for which 

frequent and routine amendments are 

necessary to keep them operationally 

current. It, therefore: (1) is not a 

‘‘significant regulatory action’’ under 

Executive Order 12866; (2) is not a 

‘‘significant rule’’ under DOT 

Regulatory Policies and Procedures (44 

FR 11034; February 26, 1979); and (3) 

does not warrant preparation of a 

regulatory evaluation as the anticipated 

impact is so minimal. Since this is a 

routine matter that only affects air traffic 

procedures and air navigation, it is 

certified that this rule, when 

promulgated, does not have a significant 

economic impact on a substantial 

number of small entities under the 

criteria of the Regulatory Flexibility Act. 

List of Subjects in 14 CFR Part 71 

Airspace, Incorporation by reference, 

Navigation (air). 

Adoption of the Amendment 

In consideration of the foregoing, the 

Federal Aviation Administration 

amends 14 CFR part 71 as follows: 


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