Federal Register / Vol. 80, No. 18 / Wednesday, January 28, 2015 / Notices 4571 

Broadcasting, LLC, Station WILT, 

Facility ID 74159, BPH–20141119AAN, 

From Wilmington, NC, To Carolina 

Beach, NC. 

DATES: The agency must receive 

comments on or before March 30, 2015. 

ADDRESSES: Federal Communications 

Commission, 445 Twelfth Street SW., 

Washington, DC 20554. 

FOR FURTHER INFORMATION CONTACT: 

Tung Bui, 202–418–2700. 

SUPPLEMENTARY INFORMATION: The full 

text of these applications is available for 

inspection and copying during normal 

business hours in the Commission’s 

Reference Center, 445 12th Street SW., 

Washington, DC 20554 or electronically 

via the Media Bureau’s Consolidated 

Data Base System, http://

svartifoss2.fcc.gov/prod/cdbs/pubacc/

prod/cdbs_pa.htm. A copy of this 

application may also be purchased from 

the Commission’s duplicating 

contractor, Best Copy and Printing, Inc., 

445 12th Street SW., Room CY–B402, 

Washington, DC, 20554, telephone 1– 

800–378–3160 or www.BCPIWEB.com. 

Federal Communications Commission. 

James D. Bradshaw, 

Deputy Chief, Audio Division, Media Bureau. 

[FR Doc. 2015–01596 Filed 1–27–15; 8:45 am] 

BILLING CODE 6712–01–P 

FEDERAL MARITIME COMMISSION 

Notice of Agreement Filed 

The Commission hereby gives notice 

of the filing of the following agreement 

under the Shipping Act of 1984. 

Interested parties may submit comments 

on the agreement to the Secretary, 

Federal Maritime Commission, 

Washington, DC 20573, within ten days 

of the date this notice appears in the 

Federal Register. A copy of the 

agreement is available through the 

Commission’s Web site (www.fmc.gov) 

or by contacting the Office of 

Agreements at (202) 523–5793 or 

tradeanalysis@fmc.gov. 

Agreement No.: 010071–042. 

Title: Cruise Lines International 

Association Agreement. 

Parties: Acromas Shipping, Ltd./Saga 

Shipping; Aida Cruises; AMA 

Waterways; American Cruise Lines, Inc.; 

American Queen Steamboat Company; 

Aqua Expeditions Pte. Ltd.; Australian 

Pacific Touring Pty Ltd.; Avalon 

Waterways; Azamara Cruises; Carnival 

Cruise Lines; CDF Croisieres de France; 

Celebrity Cruises, Inc.; Costa Cruise 

Lines; Compagnie Du Ponant; 

Croisieurope; Cruise & Maritime 

Voyages; Crystal Cruises; Cunard Line; 

Disney Cruise Line; Emerald 

Waterways; Evergreen Tours; 

Fred.Olsen Cruise Lines Ltd.; HapagLloyd Kreuzfahrten Gmbh; Hebridean 

Island Cruises; Holland America Line; 

Hurtigruten, Inc.; Iberocruceros, 

Sucursal en Espana; Island Cruises; 

Lindblad Expeditions Pty Ltd.; Louis 

Cruises; Luftner Cruises; Mekong 

Waterways; MSC Cruises; NCL 

Corporation; Oceania Cruises; P & O 

Cruises; P & O Cruises Australia; Paul 

Gauguin Cruises; Pearl Seas Cruises; 

Phoenix Reisen Gmbh; Princess Cruises; 

Pullmantur Cruises Ship Management 

Ltd.; Regent Seven Seas Cruises; Riviera 

Tours Ltd.; Royal Caribbean 

International; Scenic Tours UK Ltd.; 

Seabourn Cruise Line; SeaDream Yacht 

Club; Shearings Holidays Ltd.; Silversea 

Cruises, Ltd.; St. Helena Line/Andrew 

Weir Shipping Ltd.; Swan Hellenic; 

Tauck River Cruising; The River Cruise 

Line; Thomson Cruises; Travelmarvel; 

Tui Cruises Gmbh; Un-Cruises 

Adventures; Uniworld River Cruises, 

Inc.; Venice Simplon-Orient-Express 

Ltd./Belmond; Voyages of Discovery; 

Voyages to Antiquity (UK) Ltd.; and 

Windstar Cruises. 

Filing Party: Andre Picciurro, Esq. 

Kaye, Rose & Partners, LLP; Emerald 

Plaza, 402 West Broadway, Suite 1300; 

San Diego, CA 92101–3542. 

Synopsis: The amendment updates 

the agreement’s bylaws to clarify that 

CLIA’s Chair is entitled to one vote on 

all matters submitted to a vote of the 

Global Executive Committee when the 

Chair is also a voting Member of the 

Board. 

Agreement No.: 200233–017. 

Title: Lease and Operating Agreement 

between Philadelphia Regional Port 

Authority and Astro Holdings, Inc. 

Parties: Philadelphia Regional Port 

Authority and Astro Holdings, Inc. 

Filing Parties: Paul D. Coleman, Esq.; 

Hoppel, Mayer & Coleman; 1000 

Connecticut Avenue NW., Washington, 

DC 20036. 

Synopsis: The amendment restates the 

dredging provision in the lease. 

By Order of the Federal Maritime 

Commission. 

Dated: January 23, 2015. 

Rachel E. Dickon, 

Assistant Secretary. 

[FR Doc. 2015–01584 Filed 1–27–15; 8:45 am] 

BILLING CODE 6730–01–P 

FEDERAL RESERVE SYSTEM 

Proposed Agency Information 

Collection Activities; Comment 

Request 

AGENCY: Board of Governors of the 

Federal Reserve System. 

SUMMARY: On June 15, 1984, the Office 

of Management and Budget (OMB) 

delegated to the Board of Governors of 

the Federal Reserve System (Board) its 

approval authority under the Paperwork 

Reduction Act (PRA), pursuant to 5 CFR 

1320.16, to approve of and assign OMB 

control numbers to collection of 

information requests and requirements 

conducted or sponsored by the Board 

under conditions set forth in 5 CFR part 

1320 Appendix A.1. Board-approved 

collections of information are 

incorporated into the official OMB 

inventory of currently approved 

collections of information. Copies of the 

Paperwork Reduction Act Submission, 

supporting statements and approved 

collection of information instruments 

are placed into OMB’s public docket 

files. The Federal Reserve may not 

conduct or sponsor, and the respondent 

is not required to respond to, an 

information collection that has been 

extended, revised, or implemented on or 

after October 1, 1995, unless it displays 

a currently valid OMB control number. 

DATES: Comments must be submitted on 

or before March 30, 2015. 

ADDRESSES: You may submit comments, 

identified by Regulation B, Regulation 

BB, or Regulation M, by any of the 

following methods: 

• Agency Web site: http://

www.federalreserve.gov. Follow the 

instructions for submitting comments at 

http://www.federalreserve.gov/apps/

foia/proposedregs.aspx . 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

• Email: regs.comments@

federalreserve.gov. Include OMB 

number in the subject line of the 

message. 

• FAX: (202) 452–3819 or (202) 452– 

3102. 

• Mail: Robert deV. Frierson, 

Secretary, Board of Governors of the 

Federal Reserve System, 20th Street and 

Constitution Avenue NW., Washington, 

DC 20551. 

All public comments are available 

from the Board’s Web site at http://

www.federalreserve.gov/apps/foia/

proposedregs.aspx as submitted, unless 

modified for technical reasons. 

Accordingly, your comments will not be 

edited to remove any identifying or 

contact information. Public comments 

may also be viewed electronically or in 

mstockstill on DSK4VPTVN1PROD with NOTICES

4572 Federal Register / Vol. 80, No. 18 / Wednesday, January 28, 2015 / Notices 

1 76 FR 79441 (Dec. 21, 2011). 

2 78 FR 7216 (Jan. 31, 2013). 

paper form in Room MP–500 of the 

Board’s Martin Building (20th and C 

Streets, NW.) between 9 a.m. and 5 p.m. 

on weekdays. 

Additionally, commenters may send a 

copy of their comments to the OMB 

Desk Officer—Shagufta Ahmed—Office 

of Information and Regulatory Affairs, 

Office of Management and Budget, New 

Executive Office Building, Room 10235 

725 17th Street NW., Washington, DC 

20503 or by fax to (202) 395–6974. 

FOR FURTHER INFORMATION CONTACT: A 

copy of the PRA OMB submission, 

including the proposed reporting form 

and instructions, supporting statement, 

and other documentation will be placed 

into OMB’s public docket files, once 

approved. These documents will also be 

made available on the Federal Reserve 

Board’s public Web site at: http://

www.federalreserve.gov/apps/

reportforms/review.aspx or may be 

requested from the agency clearance 

officer, whose name appears below. 

Federal Reserve Board Acting 

Clearance Officer—John Schmidt— 

Office of the Chief Data Officer, Board 

of Governors of the Federal Reserve 

System, Washington, DC 20551 (202) 

452–3829. Telecommunications Device 

for the Deaf (TDD) users may contact 

(202) 263–4869, Board of Governors of 

the Federal Reserve System, 

Washington, DC 20551. 

SUPPLEMENTARY INFORMATION: 

Request for Comment on Information 

Collection Proposal 

The following information collection, 

which is being handled under this 

delegated authority, has received initial 

Board approval and is hereby published 

for comment. At the end of the comment 

period, the proposed information 

collection, along with an analysis of 

comments and recommendations 

received, will be submitted to the Board 

for final approval under OMB delegated 

authority. Comments are invited on the 

following: 

a. Whether the proposed collection of 

information is necessary for the proper 

performance of the Federal Reserve’s 

functions; including whether the 

information has practical utility; 

b. The accuracy of the Federal 

Reserve’s estimate of the burden of the 

proposed information collection, 

including the validity of the 

methodology and assumptions used; 

c. Ways to enhance the quality, 

utility, and clarity of the information to 

be collected; 

d. Ways to minimize the burden of 

information collection on respondents, 

including through the use of automated 

collection techniques or other forms of 

information technology; and 

e. Estimates of capital or start up costs 

and costs of operation, maintenance, 

and purchase of services to provide 

information. 

Proposal to approve under OMB 

delegated authority the extension for 

three years, with revision, of the 

following information collection: 

Report title: Information Collection 

Associated With the Recordkeeping and 

Disclosure Requirements of Regulation 

B (Equal Credit Opportunity Act 

(ECOA)). 

Agency form number: Regulation B. 

OMB control number: 7100–0201. 

Frequency: Event-generated. 

Reporters: State member banks, 

branches and agencies of foreign banks 

(other than federal branches, federal 

agencies, and insured state branches of 

foreign banks), commercial lending 

companies owned or controlled by 

foreign banks, and organizations 

operating under section 25 or 25A of the 

Federal Reserve Act. 

Estimated annual reporting hours: 

Notifications: 76,536 hours; Furnishing 

of credit information: 31,890 hours; 

Record retention, applications, actions, 

and prescreened solicitations: 8,504 

hours; Information for monitoring 

purposes: 3,189 hours; Rules on 

providing appraisal reports, providing 

appraisal reports: 38,268 hours; Selftesting record retention, incentives, 400 

hours and self-correction, 400 hours; 

Rules concerning requests for 

information, disclosure for optional selftest: 8,400 hours. 

Estimated average hours per response: 

Notifications: 6 hours; Furnishing of 

credit information: 2.5 hours; Record 

retention, applications, actions, and 

prescreened solicitations: 8 hours; 

Information for monitoring purposes: 15 

minutes; Rules on providing appraisal 

reports, providing appraisal reports: 3 

hours; Self-testing record retention, 

incentives, 2 hours and self-correction, 

8 hours; Rules concerning requests for 

information, disclosure for optional selftest: 3.5 hours. 

Number of respondents: 1,063. 

General description of report: This 

information collection is authorized by 

15 U.S.C. 1691b, which authorizes the 

Consumer Financial Protection Bureau 

(CFPB) to prescribe regulations to carry 

out the purposes of ECOA. An 

institution’s recordkeeping and 

disclosure obligations under Regulation 

B are mandatory. The Federal Reserve 

does not collect any information; 

therefore, no issue of confidentiality 

normally arises. 

Abstract: ECOA was enacted in 1974 

and is implemented by Regulation B. 

ECOA prohibits discrimination in any 

aspect of a credit transaction because of 

race, color, religion, national origin, sex, 

marital status, age (provided the 

applicant has the capacity to contract), 

or other specified bases (receipt of 

public assistance, or the fact that the 

applicant has in good faith exercised 

any right under the Consumer Credit 

Protection Act (15 U.S.C. 1600 et seq.)). 

To aid in implementation of this 

prohibition, the statute and regulation 

subject creditors to various mandatory 

disclosure requirements, notification 

provisions informing applicants of 

action taken on the credit application, 

credit history reporting, monitoring 

rules, and recordkeeping requirements. 

These requirements are triggered by 

specific events and disclosures must be 

provided within the time periods 

established by the statute and 

regulation. There are no required 

reporting forms associated with the 

CFPB’s Regulation B. To ease the 

burden and cost of compliance 

(particularly for small entities), 

Regulation B provides model disclosure 

forms. 

Current Actions: On December 21, 

2011, the CFPB published an interim 

final rule establishing a new Regulation 

B, which did not impose any new 

substantive obligations on regulated 

persons or entities.1 On January 31, 

2013, the CFPB published a final rule 

amending its Regulation B to require 

creditors to provide applicants with a 

copy of an appraisal or other written 

valuation developed in connection with 

certain mortgage transactions as matter 

of course, rather than only in response 

to an applicant’s request as previously 

required under Regulation B.2 The 

Board proposes to modify its 

information collection to reflect this 

new requirement, which became 

effective January 18, 2014. 

Revisions to the Information Collection 

Associated With Rules on Providing 

Appraisal Reports (Section 1002.14) 

Previously, an applicant had a right to 

a copy of any appraisal report used in 

connection with an application for 

credit to be secured by a dwelling. 

Creditors could elect either to provide a 

copy of the appraisal report to all 

applicants for covered loans or provide 

the appraisal only upon request. 

Creditors who choose to provide the 

appraisal only upon request had to 

notify all applicants for covered loans of 

their right to request a copy of the 

appraisal. The notice was not required 

to be in any particular format, but the 

regulation contained model language to 

ease compliance. 

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Federal Register / Vol. 80, No. 18 / Wednesday, January 28, 2015 / Notices 4573 

3 In addition to the Board, the federal banking 

agencies currently responsible for CRA rules are the 

Office of the Comptroller of the Currency (OCC) and 

the Federal Deposit Insurance Corporation (FDIC). 

4The Dodd-Frank Wall Street Reform and 

Consumer Protection Act of 2010 transferred from 

the Office of Thrift Supervision (OTS) all 

authorities (including rulemaking) relating to 

savings associations to the OCC and all authorities 

(including rulemaking) relating to savings and loan 

holding companies (SLHCs) to the Board on July 21, 

2011. 

5 60 FR 22156 (May 4, 1995). 

6Beginning January 1, 2014, banks and savings 

associations that, as of December 31 of either of the 

prior two calendar years, had assets of less than 

$1.202 billion are small banks or small savings 

associations. Small banks or small savings 

associations with assets of at least $300 million as 

of December 31 of both of the prior two calendar 

years, and less than $1.202 billion as of December 

31 of either of the prior two calendar years, are 

intermediate small banks or intermediate small 

savings associations. 

7 78 FR 79283 (December 30, 2013). 

The CFPB recently amended 

Regulation B to now require creditors to 

provide to an applicant, as a matter of 

course, a copy of all appraisals and 

other written valuations developed in 

connection with an application for 

credit that is to be secured by a first lien 

on a dwelling within specified time 

periods. Applicants are permitted to 

waive the timing requirements for 

receipt of the appraisals and other 

written valuations, but in such cases the 

creditor must generally provide the 

copies to the applicant prior to 

consummation (if closed-end credit) or 

account opening (if open-end credit). 

Creditors must also notify applicants in 

writing within three business days of 

receiving an application that a copy of 

all appraisals and other written 

valuations developed in connection 

with applications for covered mortgage 

credit transactions will be provided to 

the applicant promptly. The notice of an 

applicant’s right to receive a copy of 

appraisals is not required to be in any 

particular format, but the regulation 

contains model language to ease 

compliance. 

Proposal to approve under OMB 

delegated authority the extension for 

three years, without revision, of the 

following information collections: 

1. Report title: Information Collection 

Associated with the Recordkeeping, 

Reporting, and Disclosure Requirements 

of Regulation BB (Community 

Reinvestment Act (CRA)). 

Agency form number: Regulation BB. 

OMB control number: 7100–0197. 

Frequency: Annually. 

Reporters: State member banks 

(SMBs). 

Estimated annual reporting hours: 

Recordkeeping requirement, small 

business and small farm loan register: 

16,863 hours; Optional recordkeeping 

requirements, consumer loan data, 4,238 

hours and other loan data, 275 hours; 

Reporting requirements, assessment area 

delineation, 164 hours; loan data: Small 

business and small farm, 616 hours, 

community development, 1,066 hours, 

and HMDA out of MSA, 17,963 hours; 

Optional reporting requirements, data 

on lending by a consortium or third 

party, 153 hours; affiliate lending data, 

152 hours; request for strategic plan 

approval, 275 hours; request for 

designation as a wholesale or limited 

purpose bank, 4 hours; Disclosure 

requirement, public file, 8,510 hours. 

Estimated average hours per response: 

Recordkeeping requirement, small 

business and small farm loan register: 

219 hours; Optional recordkeeping 

requirements, consumer loan data, 326 

hours, and other loan data, 25 hours; 

Reporting requirements, assessment area 

delineation, 2 hours; loan data: Small 

business and small farm, 8 hours, 

community development, 13 hours, and 

HMDA out of MSA, 253 hours; Optional 

reporting requirements, data on lending 

by a consortium or third party, 17 hours; 

affiliate lending data, 38 hours; request 

for strategic plan approval, 275 hours; 

request for designation as a wholesale or 

limited purpose bank, 4 hours; 

Disclosure requirement, public file, 10 

hours. 

Number of respondents: 

Recordkeeping requirement, small 

business and small farm loan register, 

77; Optional recordkeeping 

requirements, consumer loan data, 13, 

and other loan data, 11; Reporting 

requirements, assessment area 

delineation, 82; loan data: Small 

business and small farm, 77, community 

development, 82, and HMDA out of 

MSA, 71; Optional reporting 

requirements, data on lending by a 

consortium or third party, 9; affiliate 

lending data, 4; request for strategic 

plan approval, 1; request for designation 

as a wholesale or limited purpose bank, 

1; Disclosure requirement, public file, 

851. 

General description of report: This 

information collection is authorized by 

section 806 of the CRA, which permits 

the Board to issue regulations to carry 

out the purpose of CRA (12 U.S.C. 

2905), Section 11 of the Federal Reserve 

Act (FRA), which permits the Board to 

require such statements as reports of 

SMBs as it deems necessary (12 U.S.C. 

248(a)(1)), and section 9 of the FRA, 

which permits the Board to examine 

SMBs (12 U.S.C. 325). The obligation to 

comply with the recordkeeping, 

reporting, and disclosure requirements 

of Regulation BB is generally mandatory 

and varies depending on whether the 

bank is a large bank. Other parts of the 

collection—specifically, the request for 

designation as a wholesale or limited 

purpose bank, the strategic plan, and the 

recordkeeping and reporting 

requirements associated with data 

regarding consumer loans and lending 

performance, affiliate lending data, data 

on lending by a consortium or a third 

party, are required to obtain a benefit. 

The data that are reported to the Federal 

Reserve are not considered confidential. 

Abstract: CRA was enacted in 1977 

and is implemented by Regulation BB. 

The CRA directs the federal banking 

agencies 3 to evaluate financial 

institutions’ records of helping to meet 

the credit needs of their entire 

communities, including low- and 

moderate-income areas consistent with 

the safe and sound operation of the 

institutions. The CRA is implemented 

through regulations issued by the 

federal banking agencies.4

In 1995, the federal banking agencies 

issued substantially identical 

regulations under CRA to reduce 

unnecessary compliance burden, 

promote consistency in CRA 

assessments, and encourage improved 

performance.5 As a result, the current 

recordkeeping, reporting, and disclosure 

requirements under Regulation BB 

depend in part on a bank’s size, and are 

discussed more fully below in the 

description of information collection. 

Under Regulation BB, large banks are 

defined as those with assets of $1.202 

billion or more for the past two 

consecutive year-ends; all other banks 

are considered small or intermediate.6

The banking agencies amend the 

definition of a small bank and an 

intermediate small bank in their CRA 

regulations each year when the asset 

thresholds are adjusted for inflation 

pursuant to Regulation BB, most 

recently in December 2013.7

Other than the information collections 

pursuant to the CRA, the Board has no 

information collection that supplies 

data regarding the community 

reinvestment activities of SMBs. 

2. Report title: Information Collections 

Associated with the Recordkeeping and 

Disclosure requirements of Regulation 

M (Consumer Leasing). 

Agency form number: Regulation M. 

OMB control number: 7100–0202. 

Frequency: On occasion. 

Reporters: Consumer lessors. 

Estimated annual reporting hours: 

Disclosures: 33 hours; Advertising: 7 

hours. 

Estimated average hours per response: 

Disclosures: 2.08 hours; Advertising: 25 

minutes. 

Number of respondents: 4. 

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4574 Federal Register / Vol. 80, No. 18 / Wednesday, January 28, 2015 / Notices 

8 12 U.S.C. 5519; 12 CFR part 213. 

9Public Law 111–203, § 1100E, 124 Stat. 1376 

(2010), amending 15 U.S.C. 1667(1). See 76 FR 

18349, Apr. 4, 2011. 

10 78 FR 70193 (Nov. 25, 2013). This threshold 

adjustment was issued jointly by the Board, for its 

Regulation M at 12 CFR part 213, and the CFPB, for 

its Regulation M at 12 CFR 1013. 

11 79 FR 56482 (Sept. 22, 2014). 

General description of report: This 

information collection is authorized by 

sections 105(a) and 187 of TILA (15 

U.S.C. 1604(a) and 1667f respectively, 

which authorize the Consumer 

Financial Protection Bureau (CFPB) to 

issue regulations to carry out the 

provisions of the Consumer Leasing Act 

(CLA). The CFPB’s Regulation M, 12 

CFR part 1013, implements these 

statutory provisions. An institution’s 

recordkeeping and disclosure 

obligations under Regulation M are 

mandatory. Because the Federal Reserve 

does not collect any information 

pursuant to the CFPB’s Regulation M, 

no issue of confidentiality normally 

arises. Furthermore, the lease 

information regarding individual leases 

with consumers is confidential between 

the institution and the consumer. In the 

event the Board were to retain regarding 

consumer leases during the course of an 

examination, the information regarding 

the consumer and the lease would be 

kept confidential pursuant to section 

(b)(8) of the Freedom of Information Act 

(5 U.S.C. 522 (b)(8)). 

Abstract: The CLA and Regulation M 

are intended to provide consumers with 

meaningful disclosures about the costs 

and terms of leases for personal 

property. The disclosures enable 

consumers to compare the terms for a 

particular lease with those for other 

leases and, when appropriate, to 

compare lease terms with those for 

credit transactions. The CLA and 

Regulation M also contain rules about 

advertising consumer leases and limit 

the size of balloon payments in 

consumer lease transactions. 

The CFPB’s Regulation M applies to 

all types of lessors of personal property 

(except motor vehicle dealers excluded 

from the Bureau’s authority under 

Dodd-Frank Act section 1029, which are 

covered by the Board’s Regulation M 8). 

The CLA and Regulation M require 

lessors to disclose to consumers 

uniformly the costs, liabilities, and 

terms of consumer lease transactions. 

Disclosures are provided to consumers 

before they enter into lease transactions 

and in advertisements that state the 

availability of consumer leases on 

particular terms. The regulation 

generally applies to consumer leases of 

personal property in which the 

contractual obligation does not exceed 

$53,500 and has a term of more than 

four months. The CLA does not provide 

exemptions for small entities. 

In April 2011, shortly before primary 

rule writing authority for the CLA 

transferred to the CFPB, the Board 

published a final rule that established a 

new dollar threshold for lease 

transactions subject to Regulation M, 

implementing an amendment to the 

CLA by the Dodd-Frank Act.9 This 

amendment increased the dollar 

threshold for lease contracts subject to 

the CLA and Regulation M from $25,000 

to $50,000. The amendment also 

required that this threshold be adjusted 

annually for inflation by the annual 

percentage increase in the Consumer 

Price Index for Urban Wage Earners and 

Clerical Workers (CPI–W), as published 

by the Bureau of Labor Statistics. For 

2014, the Regulation M threshold is 

$53,500,10 which will be increased to 

$54,600 effective January 1, 2015.11

Board of Governors of the Federal Reserve 

System, January 21, 2015. 

Robert deV. Frierson, 

Secretary of the Board. 

[FR Doc. 2015–01521 Filed 1–27–15; 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 (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 

notices are set forth in paragraph 7 of 

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

The notices are available for 

immediate inspection at the Federal 

Reserve Bank indicated. The notices 

also will be available for inspection at 

the offices of the Board of Governors. 

Interested persons may express their 

views in writing to the Reserve Bank 

indicated for that notice or to the offices 

of the Board of Governors. Comments 

must be received not later than February 

12, 2015. 

A. Federal Reserve Bank of Richmond 

(Adam M. Drimer, Assistant Vice 

President) 701 East Byrd Street, 

Richmond, Virginia 23261–4528: 

1. Richard T. Spurzem, 

Charlottesville, Virginia; to acquire 

voting shares of Blue Ridge Bankshares, 

Inc., and thereby indirectly acquire 

voting shares of Blue Ridge Bank, Inc., 

both in Luray, Virginia. 

B. Federal Reserve Bank of St. Louis 

(Yvonne Sparks, Community 

Development Officer) P.O. Box 442, St. 

Louis, Missouri 63166–2034: 

1. SABCO Irrevocable Stock 

Ownership Trust, with Guy Richard 

Smith and Raymond Tracy Fox as cotrustees, all of Hot Springs Arkansas; to 

acquire voting shares of Smith 

Associated Banking Corporation, Hot 

Springs, Arkansas, and thereby 

indirectly acquire voting shares of Bank 

of Salem, Salem, Arkansas, and Security 

Bank, Stephens, Arkansas. 

C. Federal Reserve Bank of Kansas 

City (Dennis Denney, Assistant Vice 

President) 1 Memorial Drive, Kansas 

City, Missouri 64198–0001: 

1. John Creighton, Longmont, 

Colorado, individually and as trustee of 

High Plains Banking Group, Inc. KSOP; 

T. Rick Newton and Frederick Newton, 

both of Snowmass, Colorado; Landon 

Newton, Somerville, Massachusetts; and 

Betty Mickey, Fort Collins, Colorado; all 

to become members of the Creighton 

Family Group acting in concert, to 

acquire voting shares of High Plains 

Banking Group, Inc., and thereby 

indirectly acquire voting shares of High 

Plains Bank, both in Flagler, Colorado. 

Board of Governors of the Federal Reserve 

System, January 23, 2015. 

Margaret McCloskey Shanks, 

Deputy Secretary of the Board. 

[FR Doc. 2015–01543 Filed 1–27–15; 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 (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 

notices are set forth in paragraph 7 of 

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

The notices are available for 

immediate inspection at the Federal 

Reserve Bank indicated. The notices 

also will be available for inspection at 

the offices of the Board of Governors. 

Interested persons may express their 

views in writing to the Reserve Bank 

indicated for that notice or to the offices 

of the Board of Governors. Comments 

must be received not later than February 

10, 2015. 

A. Federal Reserve Bank of Dallas (E. 

Ann Worthy, Vice President) 2200 

North Pearl Street, Dallas, Texas 75201– 

2272: 

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