Federal Register / Vol. 78, No. 60 / Thursday, March 28, 2013 / Proposed Rules 18899 

cotton industry. At pages 313–314, the 

Joint Explanatory Statement of the 

committee of conference for section 

14201 stated the expectation that the 

cotton classification fee would be 

established in the same manner as was 

applied during the 1992 through 2007 

fiscal years. Specifically, it states that 

the classification fee should continue to 

be a basic, uniform fee per bale fee as 

determined necessary to maintain costeffective cotton classification service. 

Further, in consulting with the cotton 

industry, the Secretary should 

demonstrate the level of fees necessary 

to maintain effective cotton 

classification services and provide the 

Department of Agriculture with an 

adequate operating reserve, while also 

working to limit adjustments in the 

year-to-year fee. 

Under the provisions of section 

14201, a user fee (dollar amount per 

bale classed) is proposed for the 2013 

cotton crop that, when combined with 

other sources of revenue, will result in 

projected revenues sufficient to 

reasonably cover budgeted costs— 

adjusted for inflation—and allow for 

adequate operating reserves to be 

maintained. Costs considered in this 

method include salaries, costs of 

equipment and supplies, and other 

overhead costs, such as facility costs 

and costs for administration and 

supervision. In addition to covering 

expected costs, the user fee is set such 

that projected revenues will generate an 

operating reserve adequate to effectively 

manage uncertainties related to crop 

size and cash-flow timing. Furthermore, 

the operating reserve is expected to 

meet minimum reserve requirements set 

by the Agricultural Marketing Service, 

which require maintenance of a reserve 

fund amount equal to at least four 

months of projected operating costs. 

The user fee proposed to be charged 

cotton producers for cotton 

classification in 2013 is $2.20 per bale, 

which is the same fee charged for the 

2012 crop. This fee is based on the 

preseason projection that 13,250,000 

bales will be classed by the United 

States Department of Agriculture during 

the 2013 crop year. 

Accordingly, § 28.909, paragraph (b) 

would reflect the continuation of the 

cotton classification fee at $2.20 per 

bale. 

As provided for in the 1987 Act, a 5 

cent per bale discount would continue 

to be applied to voluntary centralized 

billing and collecting agents as specified 

in § 28.909(c). 

Growers or their designated agents 

receiving classification data would 

continue to incur no additional fees if 

classification data is requested only 

once. The fee for each additional 

retrieval of classification data in 

§ 28.910 would remain at 5 cents per 

bale. The fee in § 28.910(b) for an owner 

receiving classification data from the 

National Database would remain at 5 

cents per bale, and the minimum charge 

of $5.00 for services provided per 

monthly billing period would remain 

the same. The provisions of § 28.910(c) 

concerning the fee for new classification 

memoranda issued from the National 

Database for the business convenience 

of an owner without reclassification of 

the cotton will remain the same at 15 

cents per bale or a minimum of $5.00 

per sheet. 

The fee for review classification in 

§ 28.911 would be maintained at $2.20 

per bale. 

The fee for returning samples after 

classification in § 28.911 would remain 

at 50 cents per sample. 

A 15-day comment period is provided 

for public comments. This period is 

appropriate because user fees are not 

changing and it is anticipated that the 

proposed fees, if adopted, would be 

made effective for the 2013 cotton crop 

on July 1, 2013. 

List of Subjects in 7 CFR Part 28 

Administrative practice and 

procedure, Cotton, Cotton samples, 

Grades, Market news, Reporting and 

record keeping requirements, Standards, 

Staples, Testing, Warehouses. 

For the reasons set forth in the 

preamble, 7 CFR part 28 is proposed to 

be amended to read as follows: 

PART 28—[AMENDED] 

■ 1. The authority citation for 7 CFR 

part 28, Subpart D, continues to read as 

follows: 

Authority: 7 U.S.C. 51–65; 7 U.S.C. 471– 

476. 

■ 2. In § 28.909, paragraph (b) is revised 

to read as follows: 

§ 28.909 Costs. 

* * * * * 

(b) The cost of High Volume 

Instrument (HVI) cotton classification 

service to producers is $2.20 per bale. 

* * * * * 

■ 3. In § 28.911, the last sentence of 

paragraph (a) is revised to read as 

follows: 

§ 28.911 Review classification. 

(a) * * * The fee for review 

classification is $2.20 per bale. 

* * * * * 

Dated: March 22, 2013. 

David R. Shipman, 

Administrator, Agricultural Marketing 

Service. 

[FR Doc. 2013–07181 Filed 3–27–13; 8:45 am] 

BILLING CODE 3410–02–P 

DEPARTMENT OF AGRICULTURE 

Agricultural Marketing Service 

7 CFR Part 905 

[Doc. No. AO–13–0163; AMS–FV–12–0069; 

FV13–905–1] 

Oranges, Grapefruit, Tangerines, and 

Tangelos Grown in Florida; Hearing on 

Proposed Amendment of Marketing 

Order No. 905 

AGENCY: Agricultural Marketing Service, 

USDA. 

ACTION: Notice of hearing on proposed 

rulemaking. 

SUMMARY: Notice is hereby given of a 

public hearing to receive evidence on 

proposed amendments to Marketing 

Order No. 905 (order), that regulates the 

handling of oranges, grapefruit, 

tangerines, and tangelos (citrus) grown 

in Florida. Nine amendments are 

proposed by the Citrus Administrative 

Committee (committee), which is 

responsible for local administration of 

the order. These proposed amendments 

would: authorize regulation of new 

varieties and hybrids of citrus fruit, 

authorize the regulation of intrastate 

shipments of fruit, revise the process for 

redistricting the production area, change 

the term of office and tenure 

requirements for committee members, 

authorize mail balloting procedures for 

committee membership nominations, 

increase the capacity of financial reserve 

funds, authorize pack and container 

requirements for domestic shipments 

and authorize different regulations for 

different markets, eliminate the use of 

separate acceptance statements in the 

nomination process, and require 

handlers to register with the committee. 

In addition, the Agricultural 

Marketing Service (AMS) proposes to 

make any such changes as may be 

necessary to the order to conform to any 

amendment that may result from the 

hearing. These proposed amendments 

are intended to update the order to 

reflect past changes in the industry and 

potential future changes, and to improve 

the operation and administration of the 

order. 

DATES: The hearing dates are April 24, 

2013, 9:00 a.m. to 5:00 p.m.; and 

continuing on April 25, 2013, at 9:00 

mstockstill on DSK4VPTVN1PROD with PROPOSALS

18900 Federal Register / Vol. 78, No. 60 / Thursday, March 28, 2013 / Proposed Rules 

a.m., if necessary, in Winter Haven, 

Florida. 

ADDRESSES: The hearing will be held at 

the Florida Department of Agriculture 

and Consumer Services, 500 3rd Street 

NW., Winter Haven, Florida 33881. 

FOR FURTHER INFORMATION CONTACT: 

Melissa Schmaedick, Marketing Order 

and Agreement Division, Fruit and 

Vegetable Program, AMS, USDA, Post 

Office Box 952, Moab, UT 84532; 

Telephone: (202) 557–4783, Fax: (435) 

259–1502, or Michelle Sharrow, 

Marketing Order and Agreement 

Division, Fruit and Vegetable Program, 

AMS, USDA, 1400 Independence 

Avenue SW., Stop 0237, Washington, 

DC 20250–0237; Telephone: (202) 720– 

2491, Fax: (202) 720–8938, or Email: 

Melissa.Schmaedick@ams.usda.gov or 

Michelle.Sharrow@ams.usda.gov. 

Small businesses may request 

information on this proceeding by 

contacting Jeffrey Smutny, Marketing 

Order and Agreement Division, Fruit 

and Vegetable Program, AMS, USDA, 

1400 Independence Avenue SW., Stop 

0237, Washington, DC 20250–0237; 

Telephone: (202) 720–2491, Fax: (202) 

720–8938, or Email: 

Jeffrey.Smutny@ams.usda.gov. 

SUPPLEMENTARY INFORMATION: This 

administrative action is instituted 

pursuant to the Agricultural Marketing 

Agreement Act of 1937, as amended (7 

U.S.C. 601–674), hereinafter referred to 

as the ‘‘Act.’’ This action is governed by 

the provisions of sections 556 and 557 

of title 5 of the United States Code and, 

therefore, is excluded from the 

requirements of Executive Order 12866. 

The Regulatory Flexibility Act (5 

U.S.C. 601–612) seeks to ensure that 

within the statutory authority of a 

program, the regulatory and 

informational requirements are tailored 

to the size and nature of small 

businesses. Interested persons are 

invited to present evidence at the 

hearing on the possible regulatory and 

informational impacts of the proposals 

on small businesses. 

The amendments proposed herein 

have been reviewed under Executive 

Order 12988, Civil Justice Reform. They 

are not intended to have retroactive 

effect. 

The Act provides that administrative 

proceedings must be exhausted before 

parties may file suit in court. Under 

section 608c(15)(A) of the Act, any 

handler subject to an order may file 

with USDA a petition stating that the 

order, any provision of the order, or any 

obligation imposed in connection with 

the order is not in accordance with law 

and request a modification of the order 

or to be exempted therefrom. A handler 

is afforded the opportunity for a hearing 

on the petition. The Act provides that 

the district court of the United States in 

any district in which the handler is an 

inhabitant, or has his or her principal 

place of business, has jurisdiction to 

review the USDA’s ruling on the 

petition, provided an action is filed not 

later than 20 days after the date of the 

entry of the ruling. 

The hearing is called pursuant to the 

provisions of the Act and the applicable 

rules of practice and procedure 

governing the formulation of marketing 

agreements and orders (7 CFR part 900). 

The proposed amendments were 

recommended by the committee on July 

17, 2012, and submitted to USDA on 

October 25, 2012. After reviewing the 

proposals and other information 

submitted by the committee, USDA 

made a determination to schedule this 

matter for hearing. 

The proposed amendments to the 

order recommended by the committee 

are summarized as follows: 

1. Amend the definitions of ‘‘fruit’’ 

and ‘‘variety’’ in § 905.4 and § 905.5 to 

update terminology and authorize 

regulation of additional varieties and 

hybrids of citrus. 

2. Amend the definition of ‘‘handle or 

ship’’ in § 905.9 to authorize regulation 

of intrastate shipments. 

3. Amend § 905.14 to revise the 

process for redistricting the production 

area. 

4. Amend § 905.20 to change the term 

of office of committee members from 

one to two years, and change the tenure 

requirements for committee members 

from three to four years. 

5. Amend § 905.22 to authorize mail 

balloting procedures for committee 

membership nominations. 

6. Amend § 905.42 to authorize the 

committee to increase the capacity of its 

financial reserve funds from 

approximately six months of a fiscal 

period’s expenses to approximately two 

years’ fiscal period’s expenses. 

7. Amend § 905.52 to authorize pack 

and container requirements for domestic 

shipments and authorize different 

regulations for different markets. 

8. Amend § 905.28 to eliminate the 

use of separate acceptance statements in 

the nomination process. 

9. Amend § 905.7 to require handlers 

to register with the committee. 

The committee works with USDA in 

administering the order. These 

proposals submitted by the committee 

have not received the approval of 

USDA. The committee believes that its 

proposed amendments would update 

the order to address changes that have 

occurred in the industry and potential 

changes that could occur in the future. 

The amendments are intended to 

improve the operation and 

administration of the order. 

In addition to the proposed 

amendments to the order, AMS 

proposes to make any such changes as 

may be necessary to the order to 

conform to any amendment that may 

result from the hearing. 

The public hearing is held for the 

purpose of: (i) Receiving evidence about 

the economic and marketing conditions 

which relate to the proposed 

amendments of the order; (ii) 

determining whether there is a need for 

the proposed amendments to the order; 

and (iii) determining whether the 

proposed amendments or appropriate 

modifications thereof will tend to 

effectuate the declared policy of the Act. 

Testimony is invited at the hearing on 

all the proposals and recommendations 

contained in this notice, as well as any 

appropriate modifications or 

alternatives. 

All persons wishing to submit written 

material as evidence at the hearing 

should be prepared to submit four 

copies of such material at the hearing. 

Four copies of prepared testimony for 

presentation at the hearing should also 

be made available. To the extent 

practicable, eight additional copies of 

evidentiary exhibits and testimony 

prepared as an exhibit should be made 

available to USDA representatives on 

the day of appearance at the hearing. 

Any requests for preparation of USDA 

data for this rulemaking hearing should 

be made at least 10 days prior to the 

beginning of the hearing. 

From the time the notice of hearing is 

issued and until the issuance of a final 

decision in this proceeding, USDA 

employees involved in the decisional 

process are prohibited from discussing 

the merits of the hearing issues on an ex 

parte basis with any person having an 

interest in the proceeding. The 

prohibition applies to employees in the 

following organizational units: Office of 

the Secretary of Agriculture; Office of 

the Administrator, AMS; Office of the 

General Counsel; and the Fruit and 

Vegetable Program, AMS. Procedural 

matters are not subject to the above 

prohibition and may be discussed at any 

time. 

List of Subjects in 7 CFR Part 905 

Grapefruit, Marketing agreements, 

Oranges, Reporting and recordkeeping 

requirements, Tangelos, Tangerines. 

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Federal Register / Vol. 78, No. 60 / Thursday, March 28, 2013 / Proposed Rules 18901 

PART 905—ORANGES, GRAPEFRUIT, 

TANGERINES, AND TANGELOS 

GROWN IN FLORIDA 

■ 1. The authority citation for 7 CFR 

part 905 continues to read as follows: 

Authority: 7 U.S.C. 601–674. 

■ 2. Testimony is invited on the 

following proposals or appropriate 

alternatives or modifications to such 

proposals. 

Proposals submitted by the Citrus 

Administrative Committee: 

Proposal Number 1 

■ 3. Revise § 905.4 to read as follows: 

§ 905.4 Fruit. 

Fruit means any or all varieties of the 

following types of citrus fruits grown in 

the production area: 

(a) Citrus sinensis, Osbeck, commonly 

called ‘‘oranges’’; 

(b) Citrus paradisi, MacFadyen, 

commonly called ‘‘grapefruit’’; 

(c) Citrus reticulata, commonly called 

‘‘tangerines’’ or ‘‘mandarin’’; 

(d) C.grandis (L.); Osbeck, commonly 

called ‘‘pummelo’’; and, 

(e) ‘‘Citrus hybrids’’ that are hybrids 

between or among one or more of the 

four fruits (a) through (d) of this section 

and the following: trifoliate orange 

(Poncirus trifoliate), sour orange (C. 

aurantium), lemon (C. limon), lime (C. 

aurantifolia), citron (C. medica), 

kumquat (Fortunella, species), tangelo 

(C. reticulata x C. paradisi or C. grandis), 

tangor (C. reticulata x C. sinensis), and 

varieties of these species. In addition, 

citrus hybrids include: tangelo (C. 

reticulata x C. paradisi or C. grandis), 

tangor (C. reticulata x C. sinensis), and 

temple oranges, and varieties thereof. 

■ 4. Revise § 905.5 to read as follows: 

§ 905.5 Variety. 

Variety or varieties means any one or 

more of the following classifications or 

groupings of fruit: 

(a) Oranges; 

(1) Early and Midseason oranges 

(2) Valencia, Lue Gim Gong, and similar 

late maturing oranges of the Valencia 

type; 

(3) Navel oranges 

(b) Grapefruit; 

(1) Red Grapefruit, to include all shades 

of color 

(2) White Grapefruit 

(c) Tangerines and Mandarins; 

(1) Dancy and similar tangerines 

(2) Robinson tangerines 

(3) Honey tangerines 

(4) Fallglo tangerines 

(5) US Early Pride tangerines 

(6) Sunburst tangerines 

(7) W-Murcott tangerines 

(8) Tangors 

(d) Pummelos; 

(1) Hirado Buntan and other pink 

seeded pummelos 

(e) Citrus Hybrids; 

(1) Tangelos 

(i) Orlando Tangelo 

(ii) Minneola Tangelo 

(2) Temple Oranges 

(f) Other varieties of citrus fruits 

specified in 905.4, including hybrids, as 

recommended and approved by the 

Secretary: Provided, That in order to 

add any hybrid variety of citrus fruit to 

be regulated under this provision, such 

variety must exhibit similar 

characteristics and be subject to cultural 

practices common to existing regulated 

varieties. 

Proposal Number 2 

■ 5. Revise § 905.9 to read as follows: 

§ 905.9 Handle or Ship. 

Handle or ship means to sell, 

transport, deliver, pack, prepare for 

market, grade, or in any other way to 

place fruit in the current of commerce 

within the production area or between 

any point in the production area and 

any point outside thereof. 

Proposal Number 3 

■ 6. Revise § 905.14 to read as follows: 

§ 905.14 Redistricting. 

The committee may, with the 

approval of the Secretary, redefine the 

districts into which the production area 

is divided or reapportion or otherwise 

change the grower membership of 

districts, or both: Provided, That the 

membership shall consist of at least 

eight but not more than nine grower 

members, and any such change shall be 

based, insofar as practicable, upon the 

respective averages for the immediately 

preceding three fiscal periods of: (1) The 

number of bearing trees in each district; 

(2) the volume of fresh fruit produced in 

each district; (3) the total number of 

acres of citrus in each district; and (4) 

other relevant factors. Each redistricting 

or reapportionment shall be announced 

on or prior to March 1 preceding the 

effective fiscal period. 

Proposal Number 4 

■ 7. Revise § 905.20 to read as follows: 

§ 905.20 Term of Office. 

The term of office of members and 

alternate members shall begin on the 

first day of August of even-numbered 

years and continue for two years and 

until their successors are selected and 

have qualified. The consecutive terms of 

office of a member shall be limited to 

two terms. The terms of office of 

alternate members shall not be so 

limited. Members, their alternates, and 

their respective successors shall be 

nominated and selected by the Secretary 

as provided in § 905.22 and § 905.23. 

Proposal Number 5 

■ 8. In § 905.22 revise paragraphs (a)(1) 

and (b)(1) and add a new paragraph (c) 

to read as follows: 

§ 905.22 Nominations. 

(a) Grower members. (1) The 

committee shall give public notice of a 

meeting of producers in each district to 

be held not later than June 10th of evennumbered years, for the purpose of 

making nominations for grower 

members and alternate grower members. 

The committee, with the approval of the 

Secretary, shall prescribe uniform rules 

to govern such meetings and the 

balloting thereat. The chairman of each 

meeting shall publicly announce at such 

meeting the names of the persons 

nominated, and the chairman and 

secretary of each such meeting shall 

transmit to the Secretary their 

certification as to the number of votes so 

cast, the names of the persons 

nominated, and such other information 

as the Secretary may request. All 

nominations shall be submitted to the 

Secretary on or before the 20th day of 

June. 

(2) * * * 

(b) Shipper members. (1) The 

committee shall give public notice of a 

meeting for bona fide cooperative 

marketing organizations which are 

handlers, and a meeting for other 

handlers who are not so affiliated, to be 

held not later than June 10th of evennumbered years, for the purpose of 

making nominations for shipper 

members and their alternates. The 

committee, with the approval of the 

Secretary, shall prescribe uniform rules 

to govern each such meeting and the 

balloting thereat. The chairperson of 

each such meeting shall publicly 

announce at the meeting the names of 

the persons nominated and the 

chairman and secretary of each such 

meeting shall transmit to the Secretary 

their certification as to the number of 

votes cast, the weight by volume of 

those shipments voted, and such other 

information as the Secretary may 

request. All nominations shall be 

submitted to the Secretary on or before 

the 20th day of June. 

(2) * * * 

(c) Notwithstanding the provisions of 

paragraphs (a) and (b) of this section, 

nomination and election of members 

and alternate members to the committee 

may be conducted by mail, electronic 

mstockstill on DSK4VPTVN1PROD with PROPOSALS

18902 Federal Register / Vol. 78, No. 60 / Thursday, March 28, 2013 / Proposed Rules 

1Public Law 111–203 (codified at 12 U.S.C. 5301 

et seq.). 

mail, or other means according to rules 

and regulations recommended by the 

committee and approved by the 

Secretary. 

Proposal Number 6 

■ 9. In § 905.42 revise the first sentence 

of paragraph (a) to read as follows: 

§ 905.42 Handler’s accounts. 

(a) If, at the end of a fiscal period, the 

assessments collected are in excess of 

expenses incurred, the committee, with 

the approval of the Secretary, may carry 

over such excess into subsequent fiscal 

periods as a reserve: Provided, That 

funds already in the reserve do not 

exceed approximately two fiscal 

period’s expenses. * * * 

Proposal Number 7 

■ 10. In § 905.52 revise paragraphs (a)(4) 

and (a)(5) to read as follows: 

§ 905.52 Issuance of regulations. 

(a) * * * 

(4) Establish, prescribe, and fix the 

size, capacity, weight, dimensions, 

marking (including labels and stamps), 

or pack of the container or containers 

which may be used in the packaging, 

transportation, sale, shipment, or other 

handling of fruit: Provided, That such 

regulation shall not authorize the use of 

any container or markings which are 

prohibited under Florida statutes and 

regulations effective thereunder. 

(5) Provide that any or all 

requirements effective pursuant to 

paragraphs (a) (1), (2), (3), and (4) of this 

section applicable to the handling of 

fruit may be different for the handling 

of fruit within the production area, the 

handling of fruit for export, or for the 

handling of fruit between the 

production area and any point outside 

thereof within the United States: 

Provided, That such requirements shall 

not authorize the handling of fruit in 

any way that is prohibited under Florida 

statutes and regulations effective 

thereunder. 

* * * * * 

Proposal Number 8 

■ 11. Revise § 905.28 to read as follows: 

§ 905.28 Qualification and Acceptance. 

Any person nominated to serve as a 

member or alternate member of the 

committee shall, prior to selection by 

the Secretary, qualify by filing a written 

qualification and acceptance statement 

indicating such person’s qualifications 

and willingness to serve in the position 

for which nominated. 

Proposal Number 9 

■ 12. Revise § 905.7 to read as follows: 

§ 905.7 Handler. 

Handler is synonymous with shipper 

and means any person (except a 

common or contract carrier transporting 

fruit for another person) who, as owner, 

agent, or otherwise, handles fruit in 

fresh form, or causes fruit to be handled. 

Each handler shall be registered with 

the committee pursuant to rules 

recommended by the committee and 

approved by the Secretary. 

Proposal submitted by USDA: 

Proposal Number 10 

Make other such changes as may be 

necessary to the order to conform with 

any amendment thereto that may result 

from the hearing. 

Dated: March 22, 2013. 

Rex A. Barnes, 

Acting Administrator, Agricultural Marketing 

Service. 

[FR Doc. 2013–07180 Filed 3–27–13; 8:45 am] 

BILLING CODE 3410–02–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

12 CFR Part 1090 

[Docket No. CFPB–2013–0005] 

RIN 3170–AA35 

Defining Larger Participants of the 

Student Loan Servicing Market 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Proposed rule; request for 

public comment. 

SUMMARY: The Bureau of Consumer 

Financial Protection (Bureau or CFPB) 

proposes to amend the regulation 

defining larger participants of certain 

consumer financial product and service 

markets by adding a new section to 

define larger participants of a market for 

student loan servicing. The Bureau 

proposes this rule pursuant to its 

authority, under the Dodd-Frank Wall 

Street Reform and Consumer Protection 

Act, to supervise certain nonbank 

covered persons for compliance with 

Federal consumer financial law and for 

other purposes. The Bureau has the 

authority to supervise nonbank covered 

persons of all sizes in the residential 

mortgage, private education lending, 

and payday lending markets. In 

addition, the Bureau has the authority to 

supervise nonbank ‘‘larger 

participant[s]’’ of markets for other 

consumer financial products or services, 

as the Bureau defines by rule. The 

proposal (Proposed Rule) would 

identify a market for student loan 

servicing and define ‘‘larger 

participants’’ of this market that would 

be subject to the Bureau’s supervisory 

authority. 

DATES: Comments must be received on 

or before May 28, 2013. 

ADDRESSES: Interested parties are 

invited to submit written comments 

electronically or in paper form. Because 

paper mail in the Washington, DC area 

and at the Bureau is subject to delay, 

commenters are encouraged to submit 

comments electronically. You may 

submit comments, identified by Docket 

No. CFPB–2013–0005 or RIN 3170– 

AA35, by any of the following methods: 

• Electronic: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

In general, all comments received will 

be posted without change to their 

content. 

• Mail/Hand Delivery/Courier: 

Monica Jackson, Office of the Executive 

Secretary, Bureau of Consumer 

Financial Protection, 1700 G Street NW., 

Washington, DC 20552. 

In addition, comments will be 

available for public inspection and 

copying at 1700 G Street NW., 

Washington, DC 20552, on official 

business days between the hours of 10 

a.m. and 5 p.m. Eastern Time. You can 

make an appointment to inspect the 

documents by telephoning (202) 435– 

7275. 

All comments, including attachments 

and other supporting materials, will 

become part of the public record and 

will be subject to public disclosure. 

Submit only information that you wish 

to make available publicly. Do not 

include sensitive personal information, 

such as account numbers or Social 

Security numbers. Comments will not 

be edited to remove any identifying or 

contact information, such as name and 

address information, email addresses, or 

telephone numbers. 

FOR FURTHER INFORMATION CONTACT: 

Christopher Young, Senior Counsel, 

(202) 435–7408, or Jolina Cuaresma, 

Attorney-Advisor, (202) 435–9212, 

Office of Supervision Policy, Bureau of 

Consumer Financial Protection, 1700 G 

Street NW., Washington, DC 20552. 

SUPPLEMENTARY INFORMATION: 

I. Overview 

Title X of the Dodd-Frank Wall Street 

Reform and Consumer Protection Act 

(Dodd-Frank Act) 1 established the 

Bureau on July 21, 2010. Under 12 

U.S.C. 5514, the Bureau has supervisory 

authority over all nonbank covered 

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