92684 Federal Register / Vol. 89, No. 226 / Friday, November 22, 2024 / Notices 

a single fact sheet for all three. The Draft 

GP, appendices, and fact sheet are 

available at: https://www.epa.gov/ 

npdes-permits/massachusetts-smallms4-general-permit. 

The conditions in the Draft GP are 

established pursuant to Clean Water Act 

(CWA) section 402(p)(3)(B)(iii) to ensure 

that pollutant discharges from small 

MS4s are reduced to the Maximum 

Extent Practicable (MEP), protect water 

quality, and satisfy the appropriate 

requirements of the CWA. The Draft GP 

applies to small municipal separate 

storm sewer systems in Massachusetts 

as defined in the regulations at 40 CFR 

122.26(b)(16). When final, the Draft GP 

will replace the Final Massachusetts 

MS4 GP issued on April 4, 2016 and 

modified on December 7, 2020. This 

Draft GP carries forward and builds on 

the requirements of EPA’s previous MA 

small MS4 general permits. 

The non-numeric conditions and 

limits for stormwater discharges 

authorized under the Draft GP are in the 

form of best management practices 

(BMPs). The regulations at 40 CFR 

122.44(k)(2) provide that permits may 

include BMPs to control or abate the 

discharge of pollutants when authorized 

under section 402(p) of the CWA for 

control of stormwater discharges. Due to 

the variability associated with 

stormwater, EPA believes the use of 

BMPs is currently the most appropriate 

method to regulate discharges of 

stormwater from municipal systems. 

The Draft GP establishes requirements 

for small MS4s to ‘‘reduce the discharge 

of pollutants to the maximum extent 

practicable (MEP), including 

management practices, control 

techniques, and system, design and 

engineering methods’’ Section 

402(p)(3)(B)(iii) of the CWA. The Draft 

GP requires small MS4s to update and 

continue to implement a comprehensive 

stormwater management program 

(SWMP) to reduce the discharge of 

pollutants. Part 2.3 of the Draft GP 

requires small MS4s to implement a 

SWMP that includes the following 

minimum control measures: public 

education and outreach; public 

participation; illicit discharge detection 

and elimination; construction 

stormwater management; stormwater 

management in new development and 

redevelopment; and good housekeeping 

in municipal operations. EPA views the 

MEP standard in the CWA as an 

iterative process and, as such, 

requirements should continually adapt 

to current conditions and BMP 

effectiveness. Accordingly, the Draft GP 

advances the MEP requirements of the 

2016 MA MS4 Permit, particularly with 

respect to implementation of green 

infrastructure and low impact design 

elements. 

Section 402(p)(3)(B)(iii) of CWA 

authorizes EPA to include in an MS4 

permit ‘‘such other provisions as [EPA] 

determine[s] appropriate for control of 

. . . pollutants.’’ Parts 2.1 and 2.2 of the 

Draft GP carry forward water qualitybased effluent limitations from the 2016 

MA MS4 Permit to ensure that 

discharges do not cause or contribute to 

exceedances of water quality standards. 

The provisions, expressed in the form of 

additional control measures beyond the 

minimum control measures in the Part 

2.3 of the Draft GP, apply specifically to 

stormwater discharges to impaired 

waterbodies with and without an EPAapproved total maximum daily load 

(TMDL). The Draft GP extends these 

requirements to additional waterbodies 

for which EPA approved a TMDL or 

Alternative Restoration Plan since the 

issuance of the 2016 MA MS4 Permit. 

Other Legal Requirements: 

Endangered Species Act (ESA): The 

Draft GP does not authorize stormwater 

discharges which adversely affect any 

species listed as threatened or 

endangered under the ESA or which 

result in the adverse modification or 

destruction of designated critical 

habitat. EPA has updated the provisions 

related to the ESA. Concurrently with 

the public notice of the Draft GP, EPA 

is requesting concurrence with the 

National Oceanic and Atmospheric 

Administration, National Marine 

Fisheries Service (NOAA Fisheries) and 

the United States Fish and Wildlife 

Service with EPA’s preliminary finding 

based on the results of EPA’s assessment 

of the potential effects to endangered 

and threatened species and their critical 

habitats as a result of the issuance of the 

Draft MS4 GP. 

Essential Fish Habitat (EFH): In 

accordance with the 1996 Amendments 

(Pub. L. 104–267) to the MagnusonStevens Fishery Conservation and 

Management Act (16 U.S.C. 1801 et seq. 

(1998)), the Draft GP does not authorize 

stormwater discharges whose direct or 

indirect impacts do not prevent or 

minimize adverse effects on any EFH. 

EPA determined that the permit action 

will not adversely affect the EFH of 

designated species. 16 U.S.C. 1855(b). 

Additional mitigation is not warranted 

under section 305(b)(2) of the 

Magnuson-Stevens Act. EPA is 

providing this determination to NOAA 

Fisheries for their review concurrent 

with the public notice of the Draft GP. 

National Historic Preservation Act 

(NHPA): The Draft GP does not 

authorize stormwater discharges which 

adversely affect properties listed or 

eligible for listing in the National 

Registry of Historic Places under the 

NHPA. Concurrently with the public 

notice of the Draft GP, EPA will initiate 

consultation under the NHPA related to 

the stormwater management activities 

under the Draft GP. 

Coastal Zone Management Act 

(CZMA): The CZMA, 16 U.S.C. 1451 et 

seq., and its implementing regulations 

(15 CFR part 930) require a 

determination that any federally 

licensed activity affecting the coastal 

zone with an approved Coastal Zone 

Management Program (CZMP) is 

consistent with the CZMA. Concurrent 

with the public notice of the Draft GP, 

EPA is requesting concurrence from the 

Massachusetts Coastal Program 

(MassCZM) with EPA’s Federal 

consistency review. 

Authority: This action is being taken 

under the Clean Water Act, 33 U.S.C. 

1251 et seq. 

David Cash, 

Regional Administrator, EPA Region 1. 

[FR Doc. 2024–27291 Filed 11–21–24; 8:45 am] 

BILLING CODE 6560–50–P 

FEDERAL RESERVE SYSTEM 

Formations of, Acquisitions by, and 

Mergers of Bank Holding Companies 

The companies listed in this notice 

have applied to the Board for approval, 

pursuant to the Bank Holding Company 

Act of 1956 (12 U.S.C. 1841 et seq.) 

(BHC Act), Regulation Y (12 CFR part 

225), and all other applicable statutes 

and regulations to become a bank 

holding company and/or to acquire the 

assets or the ownership of, control of, or 

the power to vote shares of a bank or 

bank holding company and all of the 

banks and nonbanking companies 

owned by the bank holding company, 

including the companies listed below. 

The public portions of the 

applications listed below, as well as 

other related filings required by the 

Board, if any, are available for 

immediate inspection at the Federal 

Reserve Bank(s) indicated below and at 

the offices of the Board of Governors. 

This information may also be obtained 

on an expedited basis, upon request, by 

contacting the appropriate Federal 

Reserve Bank and from the Board’s 

Freedom of Information Office at 

https://www.federalreserve.gov/foia/ 

request.htm. Interested persons may 

express their views in writing on the 

standards enumerated in the BHC Act 

(12 U.S.C. 1842(c)). 

Comments received are subject to 

public disclosure. In general, comments 

received will be made available without 


ddrumheller on DSK120RN23PROD with NOTICES1
Federal Register / Vol. 89, No. 226 / Friday, November 22, 2024 / Notices 92685 

change and will not be modified to 

remove personal or business 

information including confidential, 

contact, or other identifying 

information. Comments should not 

include any information such as 

confidential information that would not 

be appropriate for public disclosure. 

Comments regarding each of these 

applications must be received at the 

Reserve Bank indicated or the offices of 

the Board of Governors, Ann E. 

Misback, Secretary of the Board, 20th 

Street and Constitution Avenue NW, 

Washington, DC 20551–0001, not later 

than December 23, 2024. 

A. Federal Reserve Bank of Dallas 

(Karen Smith, Assistant Vice President, 

Mergers & Acquisitions and 

Enforcement) 2200 North Pearl Street, 

Dallas, Texas 75201–2272. Comments 

can also be sent electronically to 

Comments.applications@dal.frb.org: 

1. Woodforest Financial Group 

Employee Stock Ownership Plan 

(Amended and Restated Effective 

January 1, 2021) and the Woodforest 

Financial Group Employee Stock 

Ownership Trust, both of The 

Woodlands, Texas; to acquire up to 35 

percent of the voting shares of 

Woodforest Financial Group, Inc., and 

thereby indirectly acquire voting shares 

of Woodforest National Bank, both of 

The Woodlands, Texas. 

Board of Governors of the Federal Reserve 

System. 

Michele Taylor Fennell, 

Associate Secretary of the Board. 

[FR Doc. 2024–27445 Filed 11–21–24; 8:45 am] 

BILLING CODE 6210–01–P 

FEDERAL RESERVE SYSTEM 

Change in Bank Control Notices; 

Acquisitions of Shares of a Bank or 

Bank Holding Company 

The notificants listed below have 

applied under the Change in Bank 

Control Act (Act) (12 U.S.C. 1817(j)) and 

§ 225.41 of the Board’s Regulation Y (12 

CFR 225.41) to acquire shares of a bank 

or bank holding company. The factors 

that are considered in acting on the 

applications are set forth in paragraph 7 

of the Act (12 U.S.C. 1817(j)(7)). 

The public portions of the 

applications listed below, as well as 

other related filings required by the 

Board, if any, are available for 

immediate inspection at the Federal 

Reserve Bank(s) indicated below and at 

the offices of the Board of Governors. 

This information may also be obtained 

on an expedited basis, upon request, by 

contacting the appropriate Federal 

Reserve Bank and from the Board’s 

Freedom of Information Office at 

https://www.federalreserve.gov/foia/ 

request.htm. Interested persons may 

express their views in writing on the 

standards enumerated in paragraph 7 of 

the Act. 

Comments received are subject to 

public disclosure. In general, comments 

received will be made available without 

change and will not be modified to 

remove personal or business 

information including confidential, 

contact, or other identifying 

information. Comments should not 

include any information such as 

confidential information that would not 

be appropriate for public disclosure. 

Comments regarding each of these 

applications must be received at the 

Reserve Bank indicated or the offices of 

the Board of Governors, Ann E. 

Misback, Secretary of the Board, 20th 

Street and Constitution Avenue NW, 

Washington, DC 20551–0001, not later 

than December 9, 2024. 

A. Federal Reserve Bank of Cleveland 

(Nadine M. Wallman, Vice President) 

1455 East Sixth Street, Cleveland, Ohio 

44101–2566. Comments can also be sent 

electronically to 

Comments.applications@clev.frb.org: 

1. The Kathryn St. Clair Trust, under 

agreement dated January 26, 2024, as 

amended on June 20, 2024, Irvine, 

Kentucky, Jaclyn R. St. Clair Shoop, 

trustee, Lexington, Kentucky; to acquire 

voting shares of Citizens Guaranty 

Financial Corporation, Irvine, Kentucky, 

and thereby indirectly acquire voting 

shares of Citizens Guaranty Bank, 

Richmond, Kentucky. 

B. Federal Reserve Bank of St. Louis 

(Holly A. Rieser, Senior Manager) P.O. 

Box 442, St. Louis, Missouri 63166– 

2034. Comments can also be sent 

electronically to 

Comments.applications@stls.frb.org: 

1. The Dan Fleming Living Trust 

dated October 17, 1994, Daniel D. 

Fleming, trustee, Carlinville, Illinois; 

The William Revocable Trust dated 

December 30, 1993, William D. Fleming, 

trustee, The Andrew W. Fleming Trust 

U/A dated February 1, 2012, Andrew W. 

Fleming, trustee, Bailey D. Fleming 

Living Trust dated May 1, 2015, Bailey 

D. Fleming, trustee, The Jacob W. 

Fleming Trust dated July 4, 2008, Jacob 

W. Fleming, trustee, Andrew W. Fleming 

as custodian of Minor Child A, and 

Jacob W. Fleming as custodian of Minor 

Child B, Minor Child C, and Minor Child 

D, all of Litchfield, Illinois; The Eaden 

Fleming Trust dated February 1, 2018, 

Eaden Danae Nellyn Fleming, trustee, 

Mt. Olive, Illinois; and Fleming 

Financial, Inc., Litchfield, Illinois, 

Daniel D. Fleming, as president, and 

William D. Fleming, as secretary; as the 

Fleming Family Control Group, a group 

acting in concert, to retain voting shares 

of Country Bancorp, Inc., and thereby 

indirectly retain voting shares of Bank 

of Hillsboro, National Association, both 

of Hillsboro, Illinois. 

C. Federal Reserve Bank of Dallas 

(Karen Smith, Assistant Vice President, 

Mergers & Acquisitions and 

Enforcement) 2200 North Pearl Street, 

Dallas, Texas 75201–2272. Comments 

can also be sent electronically to 

Comments.applications@dal.frb.org: 

1. The ELM 2024 Gift Trust, Ross 

Rankin Moody, trustee, and the JDM 

2024 Gift Trust, Ross Rankin Moody, 

trustee, all of Austin, Texas; to join the 

Moody Family Group, a group acting in 

concert, to acquire voting shares of 

Moody Bancshares, Inc., Galveston, 

Texas, which controls Moody Bank 

Holding Company, Inc., Reno, Nevada, 

and thereby indirectly acquire voting 

shares of Moody National Bank, 

Galveston, Texas. 

Board of Governors of the Federal Reserve 

System. 

Michele Taylor Fennell, 

Associate Secretary of the Board. 

[FR Doc. 2024–27444 Filed 11–21–24; 8:45 am] 

BILLING CODE 6210–01–P 

FEDERAL TRADE COMMISSION 

Agency Information Collection 

Activities; Proposed Collection; 

Comment Request; Extension 

AGENCY: Federal Trade Commission. 

ACTION: Notice. 

SUMMARY: The Federal Trade 

Commission (‘‘FTC’’ or ‘‘Commission’’) 

requests that the Office of Management 

and Budget (‘‘OMB’’) extend for three 

years the current Paperwork Reduction 

Act (‘‘PRA’’) clearances for information 

collection requirements contained in 

four consumer financial regulations 

enforced by the Commission. Those 

clearances expire on November 30, 

2024. 

DATES: Comments must be filed by 

December 23, 2024. 

ADDRESSES: Interested parties may file a 

comment online or on paper, by 

following the instructions in the 

Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Written comments and 

recommendations for the proposed 

information collection should be sent 

within 30 days of publication of this 

notice to www.reginfo.gov/public/do/ 

PRAMain. Find this particular 

information collection by selecting 

‘‘Currently under 30-day Review—Open 


ddrumheller on DSK120RN23PROD with NOTICES1