Federal Register / Vol. 78, No. 83 / Tuesday, April 30, 2013 / Notices 25267 

from 8:30 a.m. to 4:30 p.m., Monday 

through Friday, excluding legal 

holidays. The telephone number for the 

Public Reading Room is 202–566–1744. 

Deliveries are only accepted during the 

docket’s normal hours of operation, and 

special arrangements should be made 

for deliveries of boxed information. If 

you provide comments by hand 

delivery, please submit one unbound 

original with pages numbered 

consecutively, and three copies of the 

comments. For attachments, provide an 

index, number pages consecutively with 

the comments, and submit an unbound 

original and three copies. 

Instructions: Direct your comments to 

Docket ID No. EPA–HQ–ORD–2013– 

0189. Please ensure that your comments 

are submitted within the specified 

comment period. Comments received 

after the closing date will be marked 

‘‘late,’’ and may only be considered if 

time permits. It is EPA’s policy to 

include all comments it receives in the 

public docket without change and to 

make the comments available on-line at 

www.regulations.gov, including any 

personal information provided, unless a 

comment includes information claimed 

to be Confidential Business Information 

(CBI) or other information whose 

disclosure is restricted by statute. Do 

not submit information that you 

consider to be CBI or otherwise 

protected through www.regulations.gov 

or email. The www.regulations.gov Web 

site is an ‘‘anonymous access’’ system, 

which means EPA will not know your 

identity or contact information unless 

you provide it in the body of your 

comment. If you send an email 

comment directly to EPA without going 

through www.regulations.gov, your 

email address will be automatically 

captured and included as part of the 

comment that is placed in the public 

docket and made available on the 

Internet. If you submit an electronic 

comment, EPA recommends that you 

include your name and other contact 

information in the body of your 

comment and with any disk or CD–ROM 

you submit. If EPA cannot read your 

comments due to technical difficulties 

and cannot contact you for clarification, 

EPA may not be able to consider your 

comments. Electronic files should avoid 

the use of special characters and any 

form of encryption and be free of any 

defects or viruses. For additional 

information about EPA’s public docket, 

visit the EPA Docket Center homepage 

at www.epa.gov/epahome/dockets.htm. 

Docket: Documents in the docket are 

listed in the www.regulations.gov index. 

Although listed in the index, some 

information is not publicly available, 

e.g., CBI or other information whose 

disclosure is restricted by statute. 

Certain other material, such as 

copyrighted material, will be publicly 

available only in hard copy. Publicly 

available docket materials are available 

either electronically at 

www.regulations.gov or in hard copy at 

the OEI Docket in the EPA Headquarters 

Docket Center. 

Dated: April 10, 2013. 

James K. Gallahan, 

Acting Deputy Director, National Center for 

Environmental Assessment. 

[FR Doc. 2013–10157 Filed 4–29–13; 8:45 am] 

BILLING CODE 6560–50–P 

ENVIRONMENTAL PROTECTION 

AGENCY 

[EPA–HQ–ORD–2010–0674; FRL–9807–7] 

Request for Information To Inform 

Hydraulic Fracturing Research Related 

to Drinking Water Resources 

AGENCY: Environmental Protection 

Agency (EPA). 

ACTION: Request for information. 

SUMMARY: The EPA is extending its 

deadline for the public to submit data 

and scientific literature to inform EPA’s 

research on the potential impacts of 

hydraulic fracturing on drinking water 

resources from April 30, 2013 until 

November 15, 2013. EPA is extending 

the deadline in order to provide the 

public with more of an opportunity to 

provide feedback to the Agency. 

DATES: The EPA will accept data and 

literature in response to this request 

until November 15, 2013. 

ADDRESSES: Using the online method is 

preferred for submitting information. 

Follow the online instructions at http:// 

www.regulations.gov, and identify your 

submission with Docket ID No. EPA– 

HQ–ORD–2010–0674. 

Additional methods for submission 

are: 

• Email: Send information by 

electronic mail (email) to: 

ord.docket@epa.gov, Attention Docket 

ID No. EPA–HQ–ORD–2010–0674. 

• Fax: Fax information to: (202) 566– 

9744, Attention Docket ID No. EPA– 

HQ–ORD–2010–0674. 

• Mail: Send information by mail to: 

U.S. Environmental Protection Agency, 

EPA Docket Center, Mail code: 28221T, 

1200 Constitution Avenue NW., 

Washington, DC, 20460, Attention 

Docket ID No. EPA–HQ–ORD–2010– 

0674. 

• Hand Delivery or Courier: Deliver 

information to: EPA Docket Center, EPA 

West Building, Room 3334, 1301 

Constitution Avenue NW., Washington, 

DC, Attention Docket ID No. EPA–HQ– 

ORD–2010–0674. Deliveries are only 

accepted during the docket’s normal 

hours of operation, between the 8:30 

a.m. and 4:30 p.m. Monday through 

Friday, excluding legal holidays. 

Special arrangements should be made 

for deliveries of boxed information. 

Instructions: Direct your information 

to Docket ID No. EPA–HQ–ORD–2010– 

0674. The EPA’s policy is that all 

information received will be included in 

the public docket without change and 

may be made available online at 

www.regulations.gov, including any 

personal information provided, unless 

the comment includes information 

claimed to be Confidential Business 

Information (CBI) or other information 

whose disclosure is restricted by statute. 

Do not submit information that you 

consider to be CBI or otherwise 

protected through www.regulations.gov 

or email. The www.regulations.gov Web 

site is an ‘‘anonymous access’’ system, 

which means the EPA will not know 

your identity or contact information 

unless you provide it in the body of 

your comment. If you send an email 

comment directly to the EPA without 

going through www.regulations.gov, 

your email address will be 

automatically captured and included as 

part of the comment that is placed in the 

public docket and made available on the 

Internet. If you submit information 

electronically, the EPA recommends 

that you include your name and other 

contact information in the body of your 

comment and with any disk or CD–ROM 

you submit. If the EPA cannot read your 

comment due to technical difficulties 

and cannot contact you for clarification, 

the EPA may not be able to consider 

your comment. Electronic files should 

avoid the use of special characters, any 

form of encryption, and be free of any 

defects or viruses. Information on a CD 

ROM should be formatted as a MS 

Word, Rich Text, or Adobe Acrobat PDF 

file. For additional information about 

the EPA’s public docket visit the EPA 

Docket Center homepage at http:// 

www.epa.gov/dockets. 

Docket: All documents in the docket 

are listed in the www.regulations.gov 

index. Although listed in the index, 

some information is not publicly 

available, e.g., CBI or other information 

whose disclosure is restricted by statute. 

Certain other material, such as 

copyrighted material, will be publicly 

available only in hard copy. Publicly 

available docket materials are available 

either electronically in 

www.regulations.gov or in hard copy at 

the EPA Docket Center, EPA West 

Building, Room 3334, 1301 Constitution 

Ave. NW., Washington, DC. The Public 


pmangrum on DSK3VPTVN1PROD with NOTICES
25268 Federal Register / Vol. 78, No. 83 / Tuesday, April 30, 2013 / Notices 

Reading Room is open from 8:30 a.m. to 

4:30 p.m., Monday through Friday, 

excluding legal holidays. The telephone 

number for the Public Reading Room is 

(202) 566–1744, and the telephone 

number for the ORD Docket is (202) 

566–1752. 

FOR FURTHER INFORMATION CONTACT: For 

further information contact Lisa 

Matthews, Mail Code 8101R, Office of 

Research and Development, 

Environmental Protection Agency, 1200 

Pennsylvania Avenue NW., Washington, 

DC 20460; via phone/voice mail at: 

(202) 564–6669; via fax at: (202) 565– 

2430; or via email at: 

matthews.lisa@epa.gov. 

SUPPLEMENTARY INFORMATION: 

Background 

In response to public concern, the 

U.S. Congress urged the EPA to conduct 

scientific research to examine the 

relationship between hydraulic 

fracturing and drinking water resources. 

The EPA currently has underway a 

study to understand the potential 

impacts, if any, of hydraulic fracturing 

on drinking water resources and to 

identify the driving factors that may 

affect the severity and frequency of any 

such impacts. 

The scope of the study includes the 

full hydraulic fracturing water 

lifecycle—from water acquisition, 

through the mixing of chemicals and 

injection of fracturing fluids, to the post 

fracturing stage, including the 

management of flowback and produced 

water and its ultimate treatment and 

disposal. The study includes a review of 

the published literature, analysis of 

existing data, scenario evaluation and 

modeling, laboratory studies and case 

studies. A copy of the EPA document 

entitled, Study of the Potential Impacts 

of Hydraulic Fracturing on Drinking 

Water Resources: PROGRESS REPORT 

can be found on the Internet at: http:// 

epa.gov/hfstudy/pdfs/hfreport20121214.pdf. 

To ensure that the EPA is up-to-date 

on evolving hydraulic fracturing 

practices and technologies, the EPA is 

soliciting relevant data and scientific 

literature specific to potential impacts of 

hydraulic fracturing on drinking water 

resources. While the EPA conducts a 

thorough literature search, there may be 

studies or other primary technical 

sources that are not available through 

the open literature. The EPA would 

appreciate receiving information from 

the public to help inform current and 

future research. Consistent with our 

commitment to using the highest quality 

information, The EPA prefers 

information which has been peer 

reviewed. Interested persons may 

provide scientific analyses, studies, and 

other pertinent scientific information, 

preferably information which has 

undergone scientific peer review. The 

EPA will consider all submissions but 

will give preference to all peer reviewed 

data and literature sources. 

Dated: April 22, 2013. 

Mary Ellen Radzikowski, 

Acting Associate Assistant Administrator, 

Office of Research and Development. 

[FR Doc. 2013–10154 Filed 4–29–13; 8:45 am] 

BILLING CODE 6560–50–P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

Proposed Guidance on Deposit 

Advance Products 

AGENCY: The Federal Deposit Insurance 

Corporation (FDIC). 

ACTION: Proposed guidance with request 

for comment. 

SUMMARY: The FDIC is proposing 

guidance on safe and sound banking 

practices and consumer protection in 

connection with deposit advance credit 

products. 

DATES: Comments must be submitted on 

or before May 30, 2013. 

ADDRESSES: 

• Mail: Written comments should be 

addressed to Robert E. Feldman, 

Executive Secretary, Attention: 

Comments, Federal Deposit Insurance 

Corporation, 550 17th Street NW., 

Washington, DC 20429. 

• Delivery: Comments may be hand 

delivered to the 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. 

• Agency Web site: http:// 

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

propose.html. Follow instructions for 

submitting comment on the agency Web 

site. 

• Email: You may also electronically 

mail comments to comments@fdic.gov. 

• Public Inspection: Comments may 

be inspected and photocopied in the 

FDIC Public Information Center, 3501 

North Fairfax Drive, Room E–1005, 

Arlington, Virginia 22226, between 9:00 

a.m. and 4:00 p.m. (EST), Monday to 

Friday. 

FOR FURTHER INFORMATION CONTACT: 

Luke H. Brown, Associate Director, 

Supervisory Policy, (202) 898–3842; 

Rae-Ann Miller, Associate Director, Risk 

Management Policy, (202) 898–3898; 

Surya Sen, Section Chief, Supervisory 

Policy, (202) 898–6699; Ardie Hollifield, 

Senior Policy Analyst, Supervisory 

Policy, (202) 898–6638; or Louis Bervid, 

Senior Examination Specialist, Risk 

Management Policy, (202) 898–6896. 

SUPPLEMENTARY INFORMATION: 

I. Introduction 

The Federal Deposit Insurance 

Corporation (FDIC) is proposing 

supervisory guidance to clarify the 

FDIC’s application of principles of safe 

and sound banking practices and 

consumer protection in connection with 

deposit advance products. This 

proposed guidance details the 

principles that the FDIC expects FDICsupervised financial institutions to 

follow in connection with any deposit 

advance product to address potential 

reputational, compliance, legal and 

credit risks. The FDIC expects 

institutions to apply the principles set 

forth in this guidance to any deposit 

advance product they offer. 

II. Description of Guidance 

A deposit advance product is a smalldollar, short-term loan that a depository 

institution (bank) makes available to a 

customer whose deposit account reflects 

recurring direct deposits. The customer 

is allowed to take out a loan, which is 

to be repaid from the proceeds of the 

next direct deposit. These loans 

typically have high fees, are repaid in a 

lump sum in advance of the customer’s 

other bills, and often do not utilize 

fundamental and prudent banking 

practices to determine the customer’s 

ability to repay the loan and meet other 

necessary financial obligations. 

The FDIC continues to encourage 

banks to respond to customers’ smalldollar credit needs; however, banks 

should be aware that deposit advance 

products can pose a variety of safety and 

soundness, compliance, consumer 

protection, and other risks. The FDIC is 

proposing guidance to ensure that any 

bank offering these products does so in 

a safe and sound manner and does not 

engage in practices that would increase 

credit, compliance, legal, and reputation 

risks to the institution. 

III. Guidance 

The text of the proposed Supervisory 

guidance on deposit advance products 

follows: 

FDIC Proposed Guidance on Deposit 

Advance Products 

The Federal Deposit Insurance 

Corporation (FDIC) is proposing 

supervisory guidance to depository 

institutions (banks) that offer deposit 

advance products. This guidance is 

intended to ensure that banks are aware 

of the significant risks associated with 

deposit advance products. The guidance 


pmangrum on DSK3VPTVN1PROD with NOTICES