Federal Register / Vol. 89, No. 224 / Wednesday, November 20, 2024 / Proposed Rules 91635 

lender agrees to indemnify VA in 

accordance with the following: 

(1) Violations of underwriting 

requirements. If VA determines the 

originating lender made a material 

misrepresentation relating to the credit 

underwriting of a loan pursuant to the 

provisions of § 36.4340, the originating 

lender must abstain from filing a 

guaranty or insurance claim in the event 

of a loan default and must indemnify 

VA for any and all losses arising from 

or related to a guaranty or insurance 

claim made on the loan within five 

years of the date of the loan guaranty 

certificate, including any subsequent 

interest rate reduction refinancing loans. 

Examples of a material 

misrepresentation related to the 

provisions of § 36.4340 include the 

lender’s failure to— 

(i) Verify assets, employment, and 

credit reports (§ 36.4340(j)); 

(ii) Determine or accurately determine 

the veteran’s acceptable debt-to-income 

ratio (§ 36.4340(c)); or 

(iii) Ensure residual income 

guidelines were met (§ 36.4340(e)). 

(2) Non-underwriting related 

violations. If VA determines the 

originating lender committed fraud or 

made an uncorrectable material 

misrepresentation relating to 

noncompliance with requirements other 

than those prescribed in § 36.4340, the 

originating lender must abstain from 

filing a guaranty or insurance claim in 

the event of a loan default and must 

indemnify VA for any and all losses 

arising from or related to a guaranty or 

insurance claim, for the life of the loan, 

including any subsequent interest rate 

reduction refinancing loans. 

(3) Notice of indemnification. The 

Secretary will notify the lender when 

VA determines that a loan is subject to 

indemnification. 

(d) Guaranty adjustments to holder— 

(1) Fraud in obtaining the guaranty or 

insurance. There shall be no liability on 

account of a guaranty or insurance, or 

any loan guaranty certificate, with 

respect to a transaction in which VA 

determines the holder or holder’s agent 

participated in fraud in procuring the 

guaranty or insurance. 

(2) Holder fraud in obtaining a claim 

payment on the guaranty or insurance. 

There shall be no liability on a guaranty 

or insurance claim if the holder 

commits fraud in obtaining a claim 

payment from VA on the guaranty or 

insurance of a loan. 

(3) Material misrepresentations 

related to the quantum or quality of 

title. VA may adjust the amount of the 

guaranty or insurance, or any loan 

guaranty certificate, if VA determines 

the holder knew or should have known, 

at the time the holder reports the loan 

for guaranty claim, of a material 

misrepresentation as to the quantum or 

quality of, or title to, the property 

securing the loan such that the property 

would not have been acceptable to 

prudent lending institutions, investors, 

informed buyers, title companies, and 

attorneys, generally, in the community 

in which the property is situated. VA 

will not, however, adjust the guaranty or 

insurance amount for title exceptions 

enumerated as acceptable under 

§ 36.4354(b), unless otherwise specified 

in this subpart. 

(4) Noncompliance with servicing 

requirements and material 

misrepresentation in reporting. (i) VA 

may adjust the amounts payable to the 

holder if VA determines— 

(A) The holder failed to comply with 

the statutory requirements under 38 

U.S.C. chapter 37 or the implementing 

regulations concerning guaranty or 

insurance of loans to veterans at 38 CFR 

part 36; or 

(B) The holder knew or should have 

known of a material misrepresentation 

in reporting to the Secretary or in 

submitting a claim to VA for payment of 

the guaranty or insurance. 

(ii) The burden of proof would be 

upon the holder to establish that no 

increase of ultimate liability is 

attributable to such failure or 

misrepresentation. 

(iii) The amount of increased liability 

of the Secretary would be offset by 

deduction from the amount of the 

guaranty or insurance otherwise 

payable, or if based upon loss related to 

property that secured the guaranteed 

loan, would be offset by crediting to the 

indebtedness the amount of the 

impairment as proceeds of the sale of 

security in the final accounting to the 

Secretary. 

(iv) To the extent the loss resultant 

from the failure or misrepresentation 

prejudices the Secretary’s right of 

subrogation, acceptance by the holder of 

the guaranty or insurance payment 

would subordinate the holder’s right to 

those of the Secretary. 

(e) Liability after payment of guaranty 

or insurance, or VA loan purchase. If 

after the payment on a guaranty or an 

insurance loss, or after a loan is 

transferred pursuant to § 36.4320(a), the 

Secretary discovers any fraud, material 

misrepresentation, or failure to comply 

with the regulations at 38 CFR part 36 

and determines that an increased loss to 

the Government resulted therefrom, 

then the transferor or person to whom 

such payment was made shall be liable 

to the Secretary for the amount of the 

loss caused by such fraud, material 

misrepresentation, or failure. 

(f) Additional remedies. Any action 

VA takes under this section may be 

taken in addition to other remedies 

available to VA, such as debarment and 

suspension pursuant to 38 U.S.C. 3704 

and 2 CFR parts 180 and 801 or loss of 

automatic processing authority pursuant 

to 38 U.S.C. 3702, or other actions by 

the Government under any other law 

including but not limited to title 18 

U.S.C. and 31 U.S.C. 3732. 

(Authority: 38 U.S.C. 3703, 3704, 3710, 3720, 

3721, and 3732) 

[FR Doc. 2024–26776 Filed 11–19–24; 8:45 am] 

BILLING CODE 8320–01–P 

ENVIRONMENTAL PROTECTION 

AGENCY 

40 CFR Part 271 

[EPA–R04–RCRA–2024–0451; FRL–12278– 

02–R4] 

Tennessee: Final Authorization of 

State Hazardous Waste Management 

Program Revisions 

AGENCY: Environmental Protection 

Agency (EPA). 

ACTION: Proposed rule. 

SUMMARY: Tennessee has applied to the 

Environmental Protection Agency (EPA) 

for final authorization of changes to its 

hazardous waste program under the 

Resource Conservation and Recovery 

Act (RCRA), as amended. The EPA has 

reviewed Tennessee’s application and 

has determined, subject to public 

comment, that these changes satisfy all 

requirements needed to qualify for final 

authorization. Therefore, in the ‘‘Rules 

and Regulations’’ section of this Federal 

Register, we are authorizing Tennessee 

for these changes as a final action 

without a prior proposed rule. If we 

receive no adverse comment, we will 

not take further action on this proposed 

rule. 

DATES: Comments must be received on 

or before December 20, 2024. 

ADDRESSES: Submit your comments, 

identified by Docket ID No. EPA–R04– 

RCRA–2024–0451, at https://

www.regulations.gov. Follow the online 

instructions for submitting comments. 

Once submitted, comments cannot be 

edited or removed from 

www.regulations.gov. The EPA may 

publish any comment received to its 

public docket. Do not submit 

electronically any information you 

consider to be Confidential Business 

Information (CBI) or other information 

whose disclosure is restricted by statute. 

Multimedia submissions (audio, video, 

etc.) must be accompanied by a written 


khammond on DSK9W7S144PROD with PROPOSALS
91636 Federal Register / Vol. 89, No. 224 / Wednesday, November 20, 2024 / Proposed Rules 

comment. The written comment is 

considered the official comment and 

should include discussion of all points 

you wish to make. The EPA will 

generally not consider comments or 

comment contents located outside of the 

primary submission (i.e., on the web, 

cloud, or other file sharing system). For 

additional submission methods, the full 

EPA public comment policy, 

information about CBI or multimedia 

submissions, and general guidance on 

making effective comments, please visit 

https://www.epa.gov/dockets/ 

commenting-epa-dockets. 

The EPA encourages electronic 

submittals, but if you are unable to 

submit electronically or need other 

assistance, please contact Robin 

Billings, the contact listed in the FOR

FURTHER INFORMATION CONTACT section. 

Please also contact Robin Billings if you 

need assistance in a language other than 

English or if you are a person with 

disabilities who needs a reasonable 

accommodation at no cost to you. 

All documents in the docket are listed 

in the www.regulations.gov index. 

Publicly available docket materials are 

available electronically in 

www.regulations.gov. For alternative 

access to docket materials, please 

contact Robin Billings, the contact listed 

in the FOR FURTHER INFORMATION

CONTACT section. 

FOR FURTHER INFORMATION CONTACT: 

Robin Billings; RCRA Programs and 

Cleanup Branch; Land, Chemicals and 

Redevelopment Division; U.S. 

Environmental Protection Agency; 

Atlanta Federal Center, 61 Forsyth 

Street SW, Atlanta, Georgia 30303–8960; 

telephone number: (404) 562–8515; fax 

number: (404) 562–9964; email address: 

billings.robin@epa.gov. 

SUPPLEMENTARY INFORMATION: This 

document proposes to take action on 

Tennessee’s changes to its hazardous 

waste management program under the 

Resource Conservation and Recovery 

Act (RCRA), as amended. We have 

published a final action authorizing 

these changes in the ‘‘Rules and 

Regulations’’ section of this Federal 

Register because we view this as a 

noncontroversial action and anticipate 

no adverse comment. We have 

explained our reasons for this action in 

the preamble to the final action. 

If we receive no adverse comment, we 

will not take further action on this 

proposed rule. If we receive adverse 

comment, we will either withdraw the 

final action, or issue a notice containing 

a response to comments that either 

reverses the decision or affirms that the 

final action will take effect. In the event 

that the final action is withdrawn, we 

would address all public comments in 

a subsequent final action and make any 

further decision on the authorization of 

the State program changes after 

considering all comments received 

during the comment period. 

We do not intend to institute a second 

comment period on this action. Any 

parties interested in commenting must 

do so at this time. For further 

information, please see the information 

provided in the ADDRESSES section of 

this document. 

Dated: November 6, 2024. 

Jeaneanne Gettle, 

Acting Regional Administrator, Region 4. 

[FR Doc. 2024–26923 Filed 11–19–24; 8:45 am] 

BILLING CODE 6560–50–P 

FEDERAL COMMUNICATIONS 

COMMISSION 

47 CFR Part 52 

[WC Docket No. 18–336; FCC 24–111; FR 

ID 260903] 

Implementation of the National Suicide 

Hotline Act of 2018 

AGENCY: Federal Communications 

Commission. 

ACTION: Proposed rule. 

SUMMARY: In this document, the Federal 

Communications Commission 

(Commission) proposes and seeks 

comment on requiring covered text 

providers, including wireless providers, 

to support georouting to ensure that the 

988 Suicide & Crisis Lifeline (988 

Lifeline or Lifeline) may route covered 

988 text messages to appropriate local 

crisis centers. Covered 988 text 

messages are currently routed to crisis 

centers using information conveyed by 

the number assigned to a help-seeker’s 

device, such as an area code, which may 

not match the text user’s physical 

location. To better connect 988 text 

users with critical local intervention 

services, the Commission proposes to 

require covered text providers to send 

georouting data to the 988 Lifeline to the 

same extent that they are required to 

send covered 988 text messages to the 

Lifeline. 

DATES: Comments are due on or before 

December 20, 2024, and reply comments 

are due on or before January 9, 2025. 

ADDRESSES: You may submit comments, 

identified by WC Docket No. 18–336, by 

any of the following methods: 

D Federal Communications 

Commission’s Website: http://

apps.fcc.gov/ecfs/. Follow the 

instructions for submitting comments. 

D People with Disabilities: Contact the 

FCC to request reasonable 

accommodations (accessible format 

documents, sign language interpreters, 

CART, etc.) by email: FCC504@fcc.gov 

or phone: 202–418–0530 or TTY: 202– 

418–0432. 

For detailed instructions for 

submitting comments and additional 

information on the rulemaking process, 

see the SUPPLEMENTARY INFORMATION

section of this document. 

FOR FURTHER INFORMATION CONTACT: 

Merry Wulff, Attorney Advisor, 

Competition Policy Division, Wireline 

Competition Bureau, at Merry.Wulff@

fcc.gov or at (202) 418–1084. For 

additional information concerning the 

Paperwork Reduction Act proposed 

information collection requirements 

contained in this document, send an 

email to PRA@fcc.gov or contact Nicole 

Ongele, Nicole.Ongele@fcc.gov. 

SUPPLEMENTARY INFORMATION: This is a 

summary of the Commission’s Third 

Further Notice of Proposed Rulemaking 

(FNPRM) in WC Docket No. 18–336, 

FCC 24–111, adopted October 17, 2024, 

and released October 18, 2024. The full 

text of this document is available for 

public inspection at the following 

internet address: https://docs.fcc.gov/ 

public/attachments/FCC-24-111A1.pdf. 

Paperwork Reduction Act 

The FNPRM may contain proposed 

new and revised information collection 

requirements. The Commission, as part 

of its continuing effort to reduce 

paperwork burdens, invites the general 

public and Office of Management and 

Budget (OMB) to comment on the 

information collection requirements 

contained in this document, as required 

by the Paperwork Reduction Act of 1995 

(Pub. L. 104–13). In addition, pursuant 

to the Small Business Paperwork Relief 

Act of 2002 (Pub. L. 107–198) see 44 

U.S.C. 3506(c)(4), we seek specific 

comment on how we might further 

reduce the information collection 

burden for small business concerns with 

fewer than 25 employees. 

Comment Filing Procedures 

Pursuant to §§ 1.415 and 1.419 of the 

Commission’s rules, 47 CFR 1.415, 

1.419, interested parties may file 

comments and reply comments on or 

before the dates indicated on the first 

page of this document. Comments may 

be filed using the Commission’s 

Electronic Comment Filing System 

(ECFS). 

• Electronic Filers: Comments may be 

filed electronically using the internet by 

accessing the ECFS: https://

www.fcc.gov/ecfs/. 


khammond on DSK9W7S144PROD with PROPOSALS