82944 Federal Register / Vol. 89, No. 199 / Tuesday, October 15, 2024 / Rules and Regulations 

credit is itself exempt under the applicable 

threshold amount. For example, assume a 

closed-end loan that qualified for a 

§ 1026.3(b) exemption at consummation in 

year one is refinanced in year ten and that 

the new loan amount is less than the 

threshold amount in effect in year ten. In 

these circumstances, the creditor must 

comply with all of the applicable 

requirements of this part with respect to the 

year ten transaction if the original loan is 

satisfied and replaced by the new loan, 

which is not exempt under § 1026.3(b). See 

also comment 3(b)–6. 

6. Addition of a security interest in real 

property or a dwelling after account opening 

or consummation. 

i. Open-end credit. For open-end accounts, 

if after account opening a security interest is 

taken in real property, or in personal 

property used or expected to be used as the 

consumer’s principal dwelling, a previously 

exempt account ceases to be exempt under 

§ 1026.3(b) and the creditor must begin to 

comply with all of the applicable 

requirements of this part within a reasonable 

period of time. See comment 3(b)–4.ii. If a 

security interest is taken in the consumer’s 

principal dwelling, the creditor must also 

give the consumer the right to rescind the 

security interest consistent with § 1026.15. 

ii. Closed-end credit. For closed-end loans, 

if after consummation a security interest is 

taken in real property, or in personal 

property used or expected to be used as the 

consumer’s principal dwelling, an exempt 

loan remains exempt under § 1026.3(b). 

However, the addition of a security interest 

in the consumer’s principal dwelling is a 

transaction for purposes of § 1026.23, and the 

creditor must give the consumer the right to 

rescind the security interest consistent with 

that section. See § 1026.23(a)(1) and its 

commentary. In contrast, if a closed-end loan 

that is exempt under § 1026.3(b) is satisfied 

and replaced by a loan that is secured by real 

property, or by personal property used or 

expected to be used as the consumer’s 

principal dwelling, the new loan is not 

exempt under § 1026.3(b), and the creditor 

must comply with all of the applicable 

requirements of this part. See comment 3(b)– 

5. 

7. Application to extensions secured by 

mobile homes. Because a mobile home can be 

a dwelling under § 1026.2(a)(19), the 

exemption in § 1026.3(b) does not apply to a 

credit extension secured by a mobile home 

that is used or expected to be used as the 

principal dwelling of the consumer. See 

comment 3(b)–6. 

8. Transition rule for open-end accounts 

exempt prior to July 21, 2011. Section 

1026.3(b)(2) applies only to open-end 

accounts opened prior to July 21, 2011. 

Section 1026.3(b)(2) does not apply if a 

security interest is taken by the creditor in 

real property, or in personal property used or 

expected to be used as the consumer’s 

principal dwelling. If, on July 20, 2011, an 

open-end account is exempt under 

§ 1026.3(b) based on a firm commitment to 

extend credit in excess of $25,000, the 

account remains exempt under § 1026.3(b)(2) 

until December 31, 2011 (unless the firm 

commitment is reduced to $25,000 or less). 

If the firm commitment is increased on or 

before December 31, 2011, to an amount in 

excess of $50,000, the account remains 

exempt under § 1026.3(b)(1) regardless of 

subsequent increases in the threshold 

amount as a result of increases in the CPI– 

W. If the firm commitment is not increased 

on or before December 31, 2011, to an 

amount in excess of $50,000, the account 

ceases to be exempt under § 1026.3(b) based 

on a firm commitment to extend credit. For 

example: 

i. Assume that, on July 20, 2011, the 

account is exempt under § 1026.3(b) based on 

the creditor’s firm commitment to extend 

$30,000 in credit. On November 1, 2011, the 

creditor increases the firm commitment on 

the account to $55,000. In these 

circumstances, the account remains exempt 

under § 1026.3(b)(1) regardless of subsequent 

increases in the threshold amount as a result 

of increases in the CPI–W. 

ii. Same facts as paragraph 8.i of this 

section except, on November 1, 2011, the 

creditor increases the firm commitment on 

the account to $40,000. In these 

circumstances, the account ceases to be 

exempt under § 1026.3(b)(2) after December 

31, 2011, and the creditor must begin to 

comply with the applicable requirements of 

this part. 

* * * * * 

By order of the Board of Governors of the 

Federal Reserve System, acting through the 

Secretary of the Board under delegated 

authority. 

Benjamin W. McDonough, 

Deputy Secretary of the Board. 

Brian Shearer, 

Assistant Director, Office of Policy Planning 

and Strategy, Consumer Financial Protection 

Bureau. 

[FR Doc. 2024–23275 Filed 10–11–24; 8:45 am] 

BILLING CODE 6210–01–P; 4810–AM–P 

DEPARTMENT OF TRANSPORTATION 

Federal Aviation Administration 

14 CFR Part 71 

[Docket No. FAA–2023–2513; Airspace 

Docket No. 23–AGL–26] 

RIN 2120–AA66 

Amendment of Jet Route J–211 and 

Revocation of VOR Federal Airway V– 

41; Youngstown, OH 

AGENCY: Federal Aviation 

Administration (FAA), DOT. 

ACTION: Final rule, delay of effective 

date. 

SUMMARY: This action delays the 

effective date of a final rule published 

in the Federal Register on August 19, 

2024, corrected September 30, 2024, 

amending Jet Route J–211 and revoking 

Very High Frequency Omnidirectional 

Range (VOR) Federal Airway V–41. The 

FAA is delaying the effective date to 

allow sufficient time for completing the 

update of all the Instrument Approach 

Procedures (IAP) into Pittsburgh 

International Airport that are affected by 

the revocation of V–41. 

DATES: The effective date of the final 

rule published on August 19, 2024 (89 

FR 66987) and corrected on September 

30, 2024 (89 FR 79429) is delayed from 

October 31, 2024, to December 26, 2024. 

The Director of the Federal Register 

approved this incorporation by 

reference action under 1 CFR part 51, 

subject to the annual revision of FAA 

Order JO 7400.11 and publication of 

conforming amendments. 

FOR FURTHER INFORMATION CONTACT: 

Colby Abbott, Rules and Regulations 

Group, Office of Policy, Federal 

Aviation Administration, 600 

Independence Avenue SW, Washington, 

DC 20597; telephone: (202) 267–8783. 

SUPPLEMENTARY INFORMATION: 

Background 

The FAA published a final rule in the 

Federal Register for Docket No. FAA– 

2023–2513 (89 FR 66987, August 19, 

2024, and correction (89 FR 79429; 

September 30, 2024), amending Jet 

Route J–211 and revoking VOR Federal 

Airway V–41 due to the planned 

decommissioning of the VOR portion of 

the Youngstown, OH, VOR/Tactical Air 

Navigation (VORTAC) navigational aid 

(NAVAID). The effective date for that 

final rule is October 31, 2024. After the 

final rule was published, the FAA 

determined that the required update 

actions to all the IAPs into Pittsburgh 

International Airport would not be 

completed in time to meet the original 

planned decommissioning date. 

Therefore, the current IAPs need to 

remain in place, to include VOR Federal 

Airway V–41 which is a transition on 

the JESEY Four Arrival into Pittsburgh 

International Airport, until the next 

chart date. 

The FAA expects the required 

updates for all the IAPs into Pittsburgh 

International Airport to be completed by 

December 26, 2024; therefore, the rule 

amending Jet Route J–211 and revoking 

VOR Federal Airway V–41 is delayed to 

coincide with that date. 

Jet Routes are published in paragraph 

2004 and VOR Federal Airways are 

published in paragraph 6010(a) of FAA 

Order JO 7400.11, Airspace 

Designations and Reporting Points, 

which is incorporated by reference in 14 

CFR 71.1 on an annual basis. This 

document amends the current version of 

that order, FAA Order JO 7400.11J, 

dated July 31, 2024, and effective 

September 15, 2024. FAA Order JO 


khammond on DSKJM1Z7X2PROD with RULES
Federal Register / Vol. 89, No. 199 / Tuesday, October 15, 2024 / Rules and Regulations 82945 

7400.11J is publicly available online at 

www.faa.gov/air_traffic/publications/. 

You may also contact the Rules and 

Regulations Group, Office of Policy, 

Federal Aviation Administration, 600 

Independence Avenue SW, Washington, 

DC 20597; telephone: (202) 267–8783. 

FAA Order JO 7400.11J lists Class A, 

B, C, D, and E airspace areas, air traffic 

service routes, and reporting points. 

Good Cause for No Notice and 

Comment 

Section 553(b)(3)(B) of Title 5, United 

States Code, (the Administrative 

Procedure Act) authorizes agencies to 

dispense with notice and comment 

procedures for rules when the agency 

for ‘‘good cause’’ finds that those 

procedures are ‘‘impracticable, 

unnecessary, or contrary to the public 

interest.’’ Under this section, an agency, 

upon finding good cause, may issue a 

final rule without seeking comment 

prior to the rulemaking. The FAA finds 

that prior notice and public comment to 

this final rule is unnecessary due to the 

brief length of the extension of the 

effective date and the fact that there is 

no substantive change to the rule. 

Delay of Effective Date 

■ Accordingly, pursuant to the authority 

delegated to me, the effective date of the 

final rule for Airspace Docket 23–AGL– 

26, as published in the Federal Register 

on August 19, 2024 (89 FR 66987), FR 

Doc. 2024–18431, and corrected on 

September 30, 2024 (89 FR 79429), FR 

Doc. 2024–22253, is hereby delayed 

until December 26, 2024. 

Authority: 49 U.S.C. 106(f), 106(g); 40103, 

40113, 40120; E.O. 10854, 24 FR 9565, 3 CFR, 

1959–1963 Comp., P. 389. 

Issued in Washington, DC, on October 8, 

2024. 

Brian Eric Konie, 

Acting Manager, Rules and Regulations 

Group. 

[FR Doc. 2024–23612 Filed 10–11–24; 8:45 am] 

BILLING CODE 4910–13–P 

DEPARTMENT OF HEALTH AND 

HUMAN SERVICES 

Food and Drug Administration 

21 CFR Part 820 

[Docket No. FDA–2021–N–0507] 

RIN 0910–AH99 

Medical Devices; Quality System 

Regulation Amendments; Correction 

AGENCY: Food and Drug Administration, 

HHS. 

ACTION: Final rule; correction. 

SUMMARY: The Food and Drug 

Administration (FDA or Agency) is 

correcting a final rule that appeared in 

the Federal Register on February 2, 

2024. In that final rule, FDA amended 

the device current good manufacturing 

practice (CGMP) requirements of the 

Quality System (QS) regulation to 

harmonize and modernize the device 

CGMP. FDA is correcting an editorial 

error that inadvertently omitted a 

definition in the codified of the final 

rule. This action is editorial in nature 

and is intended to ensure the accuracy 

and clarity of the Agency’s regulations. 

DATES: Effective February 2, 2026. 

FOR FURTHER INFORMATION CONTACT: 

Laurie Sternberg, Center for Devices and 

Radiological Health, Food and Drug 

Administration, 10903 New Hampshire 

Ave., Bldg. 66, Rm. 5517, Silver Spring, 

MD 20993–0002, 240–402–0425. 

SUPPLEMENTARY INFORMATION: In the 

Federal Register of February 2, 2024 (89 

FR 7496), FDA published a final rule 

that amended the device CGMPs 

requirements in 21 CFR part 820. The 

preamble indicated that the definition 

for ‘‘batch’’ or ‘‘lot’’ was set forth at 

§ 820.3 (21 CFR 820.3) but the definition 

for ‘‘batch’’ or ‘‘lot’’ was inadvertently 

omitted from the codified portion of 

§ 820.3 in the final rule. FDA is, 

therefore, correcting the codified for 

§ 820.3 to include the definition of 

‘‘batch’’ or ‘‘lot’’ as was intended and to 

be consistent with the preamble of the 

final rule. 

In FR Doc. 2024–01709 appearing on 

page 7524 in the Federal Register of 

Friday, February 2, 2024 (89 FR 7496), 

the following correction is made: 

§ 820.3 [Corrected] 

■ 1. On page 7524, in amendment 

number 4, in the first column, in 

paragraph (a) of § 820.3, the definition 

for ‘‘Batch or lot’’ is added in 

alphabetical order to read as follows: 

‘‘Batch or lot means one or more 

components or finished devices that 

consist of a single type, model, class, 

size, composition, or software version 

that are manufactured under essentially 

the same conditions and that are 

intended to have uniform characteristics 

and quality within specified limits.’’ 

Dated: October 7, 2024. 

Kimberlee Trzeciak, 

Deputy Commissioner for Policy, Legislation, 

and International Affairs. 

[FR Doc. 2024–23701 Filed 10–11–24; 8:45 am] 

BILLING CODE 4164–01–P 

DEPARTMENT OF HOMELAND 

SECURITY 

Coast Guard 

33 CFR Part 117 

[Docket No. USCG–2024–0845] 

RIN 1625–AA09 

Drawbridge Operation Regulation; 

Wappinger Creek, New Hamburg, New 

York 

AGENCY: Coast Guard, DHS. 

ACTION: Final rule. 

SUMMARY: The Coast Guard is removing 

the existing drawbridge operation 

regulation for the Metro-North 

Commuter Railroad Bridge, mile 0.0 

across the Wappinger Creek at New 

Hamburg, New York. In 1991, the 

Metro-North Railroad Bridge was 

allowed to no longer be maintained as 

a movable structure and in 2004, the 

bridge was converted to a fixed bridge. 

The operating regulation is no longer 

applicable or necessary. 

DATES: This rule is effective October 15, 

2024. 

ADDRESSES: To view documents 

mentioned in this preamble as being 

available in the docket, go to https://

www.regulations.gov. Type the docket 

number (USCG–2024–0845) in the 

‘‘SEARCH’’ box and click ‘‘SEARCH’’. In 

the Document Type column, select 

‘‘Supporting & Related Material.’’ 

FOR FURTHER INFORMATION CONTACT: If 

you have questions on this rule, call or 

email Ms. Judy Leung-Yee, Project 

Officer, First Coast Guard District, 

telephone 212–514–4336, email 

Judy.K.Leung-Yee@uscg.mil. 

SUPPLEMENTARY INFORMATION: 

I. Table of Abbreviations [Delete/Add 

Any Abbreviations Not Used/Used in 

This Document] 

CFR Code of Federal Regulations 

DHS Department of Homeland Security 

FR Federal Register 

Pub. L. Public Law 

§ Section 

U.S.C. United States Code 

II. Background Information and 

Regulatory History 

The Coast Guard is issuing this final 

rule without prior notice and 

opportunity to comment pursuant to 

authority under section 4(a) of the 

Administrative Procedure Act (APA) (5 

U.S.C. 553(b)). This provision 

authorizes an agency to issue a rule 

without prior notice and opportunity to 

comment when the agency for good 

cause finds that those procedures are 


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