36134 Federal Register / Vol. 78, No. 116 / Monday, June 17, 2013 / Proposed Rules 

1See Limitations on Terms of Consumer Credit 

Extended to Service Members and Dependents, 72 

FR 50580–50594 (August 31, 2007). 

reason for preferring the printed 

version. 

Conclusion 

Given the lack of support from the 

MUTCD user community, the FHWA 

will not proceed with splitting the 

MUTCD into two documents at this 

time. Instead, we will focus on options 

that would make the MUTCD easier to 

use. We believe that focusing on these 

types of options while continuing to 

explore ways to enhance and streamline 

the current MUTCD updating process 

will best serve the user community. The 

FHWA will use the valuable 

information offered in the responses to 

guide our approach to updating the 

MUTCD. 

Authority: 23 U.S.C. 101(a), 104, 109(d), 

114(a), 217, 315, and 402(a); 23 CFR 1.32; 

and, 49 CFR 1.85. 

Issued On: June 8, 2013. 

Victor M. Mendez, 

Administrator, Federal Highway 

Administration. 

[FR Doc. 2013–14266 Filed 6–14–13; 8:45 am] 

BILLING CODE 4910–22–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

32 CFR Part 232 

[Docket ID: DoD–2013–OS–0133] 

RIN 0790–AJ10 

Limitations on Terms of Consumer 

Credit Extended to Service Members 

and Dependents 

AGENCY: Department of Defense. 

ACTION: Advanced notice of proposed 

rulemaking. 

SUMMARY: The Department of Defense 

(the Department or DoD) issues this 

advanced notice of proposed 

rulemaking (ANPR) regarding 

enhancement of the protections that 

apply to consumer credit extended to 

members of the armed forces and their 

dependents, such as by a provision (as 

proposed in a recent Senate bill) that 

would require the Secretary of Defense 

to develop a policy on the predatory 

extension of credit through installment 

loans that target members of the armed 

forces and their dependents. This ANPR 

requests comment on the need to revise 

the Department’s existing regulation 

that, in general, imposes certain limits 

on and requires certain disclosures 

relating to the provision of consumer 

credit to a covered borrower. 

DATES: Comments must be received by 

August 1, 2013. 

ADDRESSES: You may submit comments, 

identified by docket number and title, 

by any of the following methods: 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

• Mail: Federal Docket Management 

System Office, 4800 Mark Center Drive, 

East Tower, Suite 02G09, Alexandria, 

VA 22350–3100. 

Instructions: All submissions received 

must include the agency name, docket 

number and title for this Federal 

Register document. The general policy 

for comments and other submissions 

from members of the public is to make 

these submissions available for public 

viewing on the Internet at http:// 

www.regulations.gov as they are 

received without change, including any 

personal identifiers or contact 

information. 

FOR FURTHER INFORMATION CONTACT: 

Marcus Beauregard, (571) 372–5357. 

SUPPLEMENTARY INFORMATION: DoD 

invites comments and recommendations 

on: (1) The need to revise the 

implementing regulation (32 CFR part 

232) adopted in August 2007,1 with 

special attention to the scope of the 

definition of ‘‘consumer credit;’’ (2) 

whether there is a need for change, and, 

if so, any specific revision(s) and why; 

(3) what should not be included in any 

revision and why; and (4) examples of 

alternative programs designed to assist 

Service members who need small dollar 

loans. 

For background, an excerpt of the text 

contained on pages 782 and 783 of the 

Conference Report accompanying H.R. 

4310, ‘‘National Defense Authorization 

Act for Fiscal Year 2013’’ (available at 

http://www.dtic.mil/ 

congressional_budget/pdfs/ 

FY2013_pdfs/AUTH_CRPT112hrpt705.pdf) referring to this subject 

is as follows: 

‘‘Enhancement of protections on 

consumer credit for members of the 

armed forces and their dependents: The 

Senate amendment contained a 

provision (sec. 651) that would amend 

section 987 of title 10, United States 

Code, to require that vehicle title loans 

and payday loans, regardless of duration 

or whether they are open- or closed-end, 

are included within the definition of 

‘‘consumer credit’’ contained in 

regulations promulgated by the 

Secretary of Defense pursuant to that 

section. The provision would also 

require the Secretary to develop a policy 

on the predatory extension of credit 

through installment loans that target 

members of the armed forces and their 

dependents. The House bill contained 

no similar provision. The Senate 

recedes. The conferees recognize the 

progress the Department of Defense has 

made since consumer protections for 

military members and their dependents 

against predatory lending were enacted 

in the John Warner National Defense 

Authorization Act for Fiscal Year 2007 

(Pub. L. 109–364), codified in section 

987 of title 10, United States Code. A 

recent report by the Consumer 

Federation of America, The Military 

Lending Act Five Years Later, found 

that ‘the law has been largely effective 

in curbing predatory . . . lending to 

covered borrowers.’ Nevertheless, the 

report found that many predatory 

lenders have modified their products to 

avoid coverage by the Department’s 

rules implementing section 987, and 

recommended that ‘the Department of 

Defense . . . conduct an internal study 

of service members, financial 

counselors, and legal assistance/JAG 

officers to ascertain the impact of the 

current set of . . . rules on the use of 

defined products, problems caused by 

similar and emerging products, and the 

use of allotments to pay for commercial 

credit.’ 

‘‘The conferees are concerned that the 

Department must remain vigilant to 

eliminate continuing, evolving 

predatory lending practices targeting 

service members and their families, and 

believe the Department should review 

its regulations implementing section 

987, to address changes in the industry 

and the evolution of lending products 

offered since 2007, continuing use of 

predatory marketing practices, and other 

abuses identified by consumer 

protection advocates, including the 

Consumer Financial Protection Bureau’s 

Office of Servicemember Affairs. The 

conferees direct the Secretary to 

conduct surveys of counselors, legal 

assistance attorneys, service members, 

and other appropriate personnel, and to 

consult with both consumer protection 

advocacy groups and representatives of 

the financial services industry to 

determine if changes to rules 

implementing section 987 are necessary 

to protect covered borrowers from 

continuing and evolving predatory 

lending practices, and to report to the 

Committees on Armed Services of the 

Senate and House of Representatives no 

later than 1 year after the date of 

enactment of this Act on the results of 

such review.’’ 

Comments and recommendations 

received in response to this ANPR will 

be reviewed as part of a proposed 

rulemaking, which may be the next step 

in this process. 

mstockstill on DSK4VPTVN1PROD with PROPOSALS

Federal Register / Vol. 78, No. 116 / Monday, June 17, 2013 / Proposed Rules 36135 

Dated: June 11, 2013. 

Aaron Siegel, 

Alternate OSD Federal Register Liaison 

Officer, Department of Defense. 

[FR Doc. 2013–14321 Filed 6–14–13; 8:45 am] 

BILLING CODE 5001–06–P 

ENVIRONMENTAL PROTECTION 

AGENCY 

40 CFR Parts 85, 86, 1036, 1037, 1039, 

1042, 1048, 1054, 1065, 1066, 1068 

[EPA–HQ–OAR–2012–0102; FRL 9772–2] 

RIN 2060–AR48 

Heavy-Duty Engine and Vehicle, and 

Nonroad Technical Amendments 

AGENCY: Environmental Protection 

Agency (EPA). 

ACTION: Notice of proposed rulemaking. 

SUMMARY: EPA is proposing to amend 

provisions in the Medium- and HeavyDuty Greenhouse Gas Emissions and 

Fuel Efficiency final rule issued on 

September 15, 2011. These proposed 

amendments would eliminate 

duplicative reporting requirements, 

reduce inadvertent minor differences 

between the EPA and NHTSA programs 

regarding such matters as voluntary 

early model year compliance, better 

align testing procedures to market 

realities, and reduce unnecessary testing 

burdens. EPA is also proposing to 

amend several regulations by: Adjusting 

the provisions of the replacement 

engine exemption; expanding EPA’s 

discretion to allow greater flexibility 

under the Transition Program for 

Equipment Manufacturers related to the 

Tier 4 standards for nonroad diesel 

engines; specifying multiple versions of 

the applicable SAE standard for 

demonstrating that fuel lines for 

nonroad spark-ignition engines above 19 

kilowatts meet permeation 

requirements; and allowing for the use 

of the ethanol-based test fuel specified 

by the California Air Resources Board 

for nonroad spark-ignition engines at or 

below 19 kilowatts. Some of the 

individual provisions of this action may 

have minor impacts on the costs and 

emission reductions of the underlying 

regulatory programs amended in this 

action, though in most cases these are 

simple technical amendments. For those 

provisions that may have a minor 

impact on the costs or benefits of the 

amended regulatory program, any 

potential impacts would be small and 

we have not attempted to quantify the 

potential changes. 

DATES: Comments on all aspects of this 

proposal must be received on or before 

July 17, 2013. See the SUPPLEMENTARY

INFORMATION section on ‘‘Public 

Participation’’ for more information 

about written comments. 

ADDRESSES: Submit your comments, 

identified by Docket ID No. EPA–HQ– 

OAR–2012–0102, by one of the 

following methods: 

• www.regulations.gov: Follow the 

on-line instructions for submitting 

comments. 

• Email: a-and-r-docket@epa.gov. 

• Fax: (202) 566–9744. 

• Mail: Air and Radiation Docket and 

Information Center, Environmental 

Protection Agency, Air Docket, Mailcode 28221T, 1200 Pennsylvania Ave. 

NW., Washington, DC 20460. 

• Hand Delivery: EPA Docket Center 

(EPA/DC), EPA West, Room 3334, 1301 

Constitution Ave. NW., Washington, 

DC, Attention Docket ID No. EPA–HQ– 

OAR–2012–0102. Such deliveries are 

only accepted during the Docket’s 

normal hours of operation, and special 

arrangements should be made for 

deliveries of boxed information. 

Instructions: Direct your comments to 

Docket ID No. EPA–HQ–OAR–2012– 

0102. See the SUPPLEMENTARY

INFORMATION section on ‘‘Public 

Participation’’ for additional 

instructions on submitting written 

comments. 

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., information claimed as 

Confidential Business Information (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/DC, EPA West, Room 3334, 1301 

Constitution Ave. NW., Washington, 

DC. The Public 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 Air 

Docket is (202) 566–1742. 

FOR FURTHER INFORMATION CONTACT: 

Angela Cullen, Environmental 

Protection Agency, Office of 

Transportation and Air Quality, 

Assessment and Standards Division, 

2000 Traverwood Drive, Ann Arbor, 

Michigan 48105; telephone number: 

734–214–4419; email address: 

cullen.angela@epa.gov. 

SUPPLEMENTARY INFORMATION: 

A. Does this action apply to me? 

This proposed action would affect 

companies that manufacture, sell, or 

import into the United States new 

heavy-duty engines and new Class 2b 

through 8 vehicles, including 

combination tractors, school and transit 

buses, vocational vehicles such as 

utility service trucks, as well as 3⁄4-ton 

and 1-ton pickup trucks and vans. The 

heavy-duty category incorporates all 

motor vehicles with a gross vehicle 

weight rating of 8,500 pounds or greater, 

and the engines that power them, except 

for medium-duty passenger vehicles 

already covered by the greenhouse gas 

emissions standards and corporate 

average fuel economy standards issued 

for light-duty model year 2012–2016 

vehicles (75 FR at 25324, May 7, 2010). 

This proposed action also would 

affect nonroad engine manufacturers. 

Regulated categories and entities 

would include the following: 

Category NAICS Code a Examples of potentially affected entities 

Industry ......................................................................... 336111 

336112 

333618 

336120 

Motor Vehicle Manufacturers, Engine and Truck Manufacturers. 

Industry ......................................................................... 541514 

811112 

811198 

Commercial Importers of Vehicles and Vehicle Components. 

mstockstill on DSK4VPTVN1PROD with PROPOSALS