This section of the FEDERAL REGISTER

contains notices to the public of the proposed

issuance of rules and regulations. The

purpose of these notices is to give interested

persons an opportunity to participate in the

rule making prior to the adoption of the final

rules.

Proposed Rules Federal Register

7980 

Vol. 80, No. 30 

Friday, February 13, 2015 

DEPARTMENT OF THE TREASURY 

Office of the Comptroller of the 

Currency 

12 CFR Chapter I 

[Docket ID FFIEC–2014–0001 

FEDERAL RESERVE SYSTEM 

12 CFR Chapter II 

[Docket No. R–1510] 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

12 CFR Chapter III 

Regulatory Publication and Review 

Under the Economic Growth and 

Regulatory Paperwork Reduction Act 

of 1996 

AGENCY: Office of the Comptroller of the 

Currency (OCC), Treasury; Board of 

Governors of the Federal Reserve 

System (Board); and Federal Deposit 

Insurance Corporation (FDIC). 

ACTION: Notice of regulatory review; 

request for comments. 

SUMMARY: The OCC, Board, and FDIC 

(we or Agencies) are conducting a 

review of the regulations we have issued 

in order to identify outdated or 

otherwise unnecessary regulatory 

requirements imposed on insured 

depository institutions, as required by 

the Economic Growth and Regulatory 

Paperwork Reduction Act of 1996 

(EGRPRA). In this notice, the Agencies 

are seeking public comment on 

regulations in the following categories: 

Banking Operations, Capital, and the 

Community Reinvestment Act. 

DATES: Written comments must be 

received by no later than May 14, 2015. 

ADDRESSES: Comments may be 

submitted through the Federal 

eRulemaking Portal: ‘‘Regulations.gov.’’ 

You can reach this portal through the 

Agencies’ EGRPRA Web site, http://

egrpra.ffiec.gov. On this site, click 

‘‘Submit a Comment’’ and follow the 

instructions. Alternatively, go to http:// 

www.regulations.gov, enter ‘‘FFIEC– 

2014–0001’’ in the Search Box, click 

‘‘Search,’’ and click ‘‘Comment Now.’’ 

Those who wish to submit their 

comments by an alternate means may do 

so as indicated below. 

OCC: 

We encourage commenters to submit 

comments through the Federal 

eRulemaking Portal, Regulations.gov, in 

accordance with the previous 

paragraph. Alternatively, comments 

may be emailed to regs.comments@

occ.treas.gov or sent by mail to 

Legislative and Regulatory Activities 

Division, Office of the Comptroller of 

the Currency, Mail Stop 9W–11, 400 7th 

Street SW., Washington, DC 20219. 

Comments also may be faxed to (571) 

465–4326 or hand delivered or sent by 

courier to 400 7th Street SW., 

Washington, DC 20219. For comments 

submitted by any means other than 

Regulations.gov, you must include 

‘‘OCC’’ as the agency name and ‘‘Docket 

ID FFIEC–2014–0001’’ in your 

comment. 

In general, the OCC will enter all 

comments received into the docket and 

publish them without change on 

Regulations.gov. Comments received, 

including attachments and other 

supporting materials, as well as any 

business or personal information you 

provide, such as your name and 

address, email address, or phone 

number, are part of the public record 

and subject to public disclosure. 

Therefore, please do not include any 

information with your comment or 

supporting materials that you consider 

confidential or inappropriate for public 

disclosure. 

You may inspect and photocopy in 

person all comments received by the 

OCC at 400 7th Street SW., Washington, 

DC 20219. For security reasons, the OCC 

requires that visitors make an 

appointment to inspect or photocopy 

comments. You may make an 

appointment by calling (202) 649–6700. 

Upon arrival, visitors will be required to 

present valid government-issued photo 

identification and submit to a security 

screening. 

Board 

We encourage commenters to submit 

comments regarding the Board’s 

regulations by any of the following 

methods: 

• Agency Web site: http://

www.federalreserve.gov/apps/foia/

proposedregs.aspx. Follow the 

instructions for submitting comments 

on the Agency Web site. 

• Federal eRulemaking Portal, in 

accordance with the directions above. 

• Email: regs.comments@

federalreserve.gov. Include ‘‘EGRPRA’’ 

and Docket No. R–1510 in the subject 

line of the message. 

• FAX: (202) 452–3819. 

• Mail: Robert deV. Frierson, 

Secretary, Board of Governors of the 

Federal Reserve System, 20th Street and 

Constitution Avenue NW., Washington, 

DC 20551. 

In general, the Board will enter all 

comments received into the docket and 

publish them without change on 

Regulations.gov. Comments received, 

including attachments and other 

supporting materials, as well as any 

business or personal information you 

provide, such as your name and 

address, email address, or phone 

number, are part of the public record 

and subject to public disclosure. 

Therefore, please do not enclose any 

information with your comment or 

supporting materials that you consider 

confidential or inappropriate for public 

disclosure. 

You may inspect and photocopy in 

person all comments received by the 

Board at 20th and Constitution Avenue 

NW., Washington, DC 20551. For 

security reasons, the Board requires that 

visitors make an appointment to inspect 

comments. You may make an 

appointment by calling (202) 452–3000. 

Upon arrival, visitors will be required to 

present valid government-issued photo 

identification and submit to a security 

screening. 

FDIC 

We encourage commenters to submit 

comments through the Federal 

eRulemaking Portal, ‘‘Regulations.gov,’’ 

in accordance with the directions above. 

Alternatively, you may submit 

comments by any of the following 

methods: 

• Agency Web site: http://

www.fdic.gov/regulations/laws/federal. 

Follow instructions for submitting 

comments on the Agency Web site. 

• Email: Comments@FDIC.gov. 

Include ‘‘EGRPRA’’ in the subject line of 

the message. 

• Mail: Robert E. Feldman, Executive 

Secretary, Attention: Comments, Federal 


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1Public Law 104–208 (1996), codified at 12 

U.S.C. 3311. 

2The FFIEC is an interagency body empowered 

to prescribe uniform principles, standards, and 

report forms for the Federal examination of 

financial institutions and to make recommendations 

to promote uniformity in the supervision of 

financial institutions. The FFIEC does not issue 

regulations that impose burden on financial 

institutions and, therefore, we have not separately 

captioned the FFIEC in this notice. 

3The FFIEC is comprised of the OCC, Board, 

FDIC, National Credit Union Administration 

(NCUA), Consumer Financial Protection Bureau 

(CFPB), and State Liaison Committee. Of these, only 

the OCC, Board, and FDIC are statutorily required 

to undertake the EGRPRA review. The NCUA 

elected to participate in the first EGRPRA review 

ten years ago, and the NCUA Board again has 

elected to participate in this review process. 

Consistent with its approach during the first 

EGRPRA review, NCUA will separately issue 

notices and requests for comment on its rules. The 

CFPB is required to review its significant rules and 

publish a report of its review no later than five 

years after they take effect. See 12 U.S.C. 5512(d). 

This process is separate from the EGRPRA process. 

4 Insured depository institutions also are subject 

to regulations that are not required to be reviewed 

under the EGRPRA process. Examples include rules 

for which rulemaking authority has transferred to 

the CFPB and anti-money laundering regulations 

issued by the Department of the Treasury’s 

Financial Crimes Enforcement Network, among 

others. 

5Consistent with EGRPRA’s focus on reducing 

burden on insured depository institutions, the 

Agencies have not included their internal, 

organizational, or operational regulations in this 

review. These regulations impose minimal, if any, 

burden on insured depository institutions. 

Furthermore, we have not included in this review 

those rules that will go into effect during the 

EGRPRA review, new regulations that have only 

recently gone into effect, or rules that we have yet 

to fully implement. As previously noted, the 

Agencies were required to take burden into account 

in adopting these regulations. 

6The Agencies are seeking comment only on 

those consumer protection regulations for which 

they retain rulemaking authority for insured 

depository institutions, and regulated holding 

companies following passage of section 1061 of the 

Dodd-Frank Wall Street Reform and Consumer 

Protection Act, Public Law 111–203 (2010) (DoddFrank Act), codified at 12 U.S.C. 5581(b). 

7 79 FR 32172 (First Notice). 

Deposit Insurance Corporation, 550 17th 

Street NW., Washington, DC 20429. 

• Hand Delivery/Courier: Guard 

station at the rear of the 550 17th Street 

Building (located on F Street) on 

business days between 7 a.m. and 5 p.m. 

(EST). 

We will post all comments received to 

http://www.fdic.gov/regulations/laws/

federal without change, including any 

personal information provided. 

Comments may be inspected and 

photocopied in the FDIC Public 

Information Center, 3501 North Fairfax 

Drive, Room E–1002, Arlington, VA 

22226, between 9 a.m. and 5 p.m. (EST) 

on business days. Paper copies of public 

comments may be ordered from the 

Public Information Center by calling 

(877) 275–3342. 

FOR FURTHER INFORMATION CONTACT: 

OCC: Karen McSweeney, Counsel 

(202) 649–6295; Heidi Thomas, Special 

Counsel (202) 649–6286; for persons 

who are deaf or hard of hearing, TTY 

(202) 649–5597. 

Board: Walter McEwen, Senior 

Counsel (202) 452–3321; Claudia Von 

Pervieux, Counsel (202) 452–2552; 

Matthew Bornfreund, Attorney (202) 

452–3818; for persons who are deaf or 

hard of hearing, TDD (202) 263–4869. 

FDIC: Ruth R. Amberg, Assistant 

General Counsel (202) 898–3736; Ann 

Taylor, Supervisory Counsel (202) 898– 

3573; for persons who are deaf or hard 

of hearing, TTY (800) 925–4618. 

SUPPLEMENTARY INFORMATION: 

I. Introduction 

Section 2222 of EGRPRA 1 requires 

that not less frequently than once every 

10 years, the Federal Financial 

Institutions Examination Council 

(FFIEC),2 along with the Agencies,3

conduct a review of their regulations to 

identify outdated or otherwise 

unnecessary requirements imposed on 

insured depository institutions.4 The 

EGRPRA regulatory review provides an 

opportunity for the public and the 

Agencies to look at groups of related 

regulations and to identify opportunities 

for burden reduction. For example, the 

EGRPRA review may facilitate the 

identification of statutes and regulations 

that share similar goals or 

complementary methods where one or 

more Agencies could eliminate 

overlapping requirements. 

Alternatively, commenters may identify 

regulations or statutes that impose 

requirements that are no longer 

consistent with the way that business is 

conducted and that, therefore, the 

Agencies might eliminate. 

The EGRPRA review also provides the 

Agencies and the public with an 

opportunity to consider how to reduce 

burden in general, but especially on 

community banks and other small, 

insured depository institutions or 

holding companies. We are keenly 

aware of the role that these institutions 

play in providing consumers and 

businesses across the nation with 

essential financial services and access to 

credit, and we are concerned about the 

impact of regulatory burden on these 

smaller institutions. We understand that 

when an Agency issues a new regulation 

or amends a current regulation, smaller 

institutions may have to devote 

considerable resources to determine if 

and how the regulation will affect them. 

Through the public comment process, 

the EGRPRA review can help the 

Agencies identify and target regulatory 

changes to reduce unnecessary burden 

on these smaller institutions. 

Burden reduction must be consistent 

with the Agencies’ statutory mandates, 

many of which require the issuance of 

regulations. This includes ensuring the 

safety and soundness of insured 

depository institutions, their affiliates, 

and the financial system as a whole. 

EGRPRA recognizes that effective 

burden reduction may require 

legislative change. Accordingly, as part 

of this review, we specifically ask the 

public to comment on the relationships 

among burden reduction, regulatory 

requirements, and statutory mandates. 

In addition, we note that the Agencies 

also consider the burden imposed each 

time we propose, adopt, or amend a 

rule. For example, under the Paperwork 

Reduction Act of 1995 and the 

Regulatory Flexibility Act, the Agencies 

assess each rulemaking with respect to 

the burdens the rule might impose. 

Furthermore, we invite the public to 

comment on every rule we propose, as 

required by the Administrative 

Procedure Act (APA). 

II. The EGRPRA Review Process 

Taken together for purposes of 

EGRPRA, the Agencies’ regulations 

covering insured depository institutions 

encompass more than 100 subjects.5

Consistent with the EGRPRA statute, the 

Agencies have grouped these 

regulations into the following 12 

regulatory categories: 

Applications and Reporting; Banking 

Operations; Capital; Community 

Reinvestment Act; Consumer 

Protection;6 Directors, Officers and 

Employees; International Operations; 

Money Laundering; Powers and 

Activities; Rules of Procedure; Safety 

and Soundness; and Securities. To 

determine these categories, we divided 

the regulations by type and sought to 

have no category be too large or broad. 

To carry out the EGRPRA review, the 

Agencies plan to publish four Federal 

Register notices, each addressing one or 

more categories of rules. Each Federal 

Register notice will have a 90-day 

comment period. On June 4, 2014, the 

Agencies published the first such 

notice, seeking comment on three 

categories of rules: Applications and 

Reporting, Powers and Activities, and 

International Operations.7 Today, we 

are publishing the second notice, 

addressing the Banking Operations, 

Capital, and the Community 

Reinvestment Act categories of 

regulations. We invite the public to 

identify outdated, otherwise 

unnecessary, or unduly burdensome 

regulatory requirements imposed on 

insured depository institutions and their 


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7982 Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / Proposed Rules 

8See 79 FR 70474 (Nov. 26, 2014). 

9 If, during the EGRPRA review, the Agencies 

receive a comment about a regulation that is not 

subject to the EGRPRA review, we will forward that 

comment to the appropriate agency. 

10 78 FR 62017 (Oct. 11, 2013) (Agencies jointly); 

79 FR 71630 (Dec. 3, 2014) (OCC); 79 FR 69365 

(Nov. 21, 2014) (FDIC); 79 FR 64026 (Oct. 27, 2014) 

(Board). These regulations include capital 

adequacy, prompt corrective action, 

implementation of Basel III, standardized and riskbased approaches, market risk, and stress testing. 

11See supra note 5, at 8. 

holding companies in these three 

categories. 

To assist the public’s understanding 

of how we have organized the EGRPRA 

review, the Agencies have included a 

table in Section IV that lists the three 

categories of regulations for which we 

are requesting comments. On the table, 

the left column divides the categories 

into specific subject-matter areas. The 

headings at the top of the table identify 

the types of institutions affected by the 

regulations. 

After comments have been received, 

the Agencies will review the comments 

and decide whether further action is 

appropriate with respect to the 

regulations. The Agencies will make 

this decision jointly in the case of rules 

that we have issued on an interagency 

basis. Similarly, we will undertake any 

rulemaking to amend or repeal those 

rules on an interagency basis. For rules 

issued by a single agency, the issuing 

agency will review the comments 

received and independently determine 

whether amendments to or repeal of its 

rules are appropriate. If so, that Agency 

will initiate a rulemaking to effect such 

change. In all cases, the Agencies will 

provide the public with an opportunity 

to comment on any proposed 

amendment to or repeal of a regulation, 

as required by the APA. 

Further, as part of the EGRPRA 

review, the Agencies are holding a 

series of outreach meetings to provide 

an opportunity for bankers, consumer 

and community groups, and other 

interested persons to present their views 

directly to senior management and staff 

of the Agencies on any of the categories 

of regulations in the EGRPRA review.8

More information about the outreach 

meetings can be found on the Agencies’ 

EGRPRA Web site, http://

egrpra.ffiec.gov. 

Finally, EGRPRA also requires the 

FFIEC or the Agencies to publish in the 

Federal Register a summary of the 

comments received, identifying 

significant issues raised and 

commenting on these issues. It also 

directs the Agencies to eliminate 

unnecessary regulations to the extent 

that such action is appropriate. The 

statute additionally requires the FFIEC 

to submit to Congress a report that 

summarizes any significant issues raised 

in the public comments and the relative 

merits of such issues. The report also 

must include an analysis of whether the 

Agencies are able to address the 

regulatory burdens associated with such 

issues or whether these burdens must be 

addressed by legislative action. 

III. Public Response to the First Notice 

In response to the First Notice, the 

Agencies received approximately 40 

comments from financial institutions, 

industry trade groups, consumer 

advocacy groups, and other members of 

the public. The Agencies will carefully 

consider those comments, including the 

issues raised and the suggestions made, 

and discuss them in the EGRPRA report 

to Congress and as part of any 

rulemaking to which they relate. 

In addition to comments regarding the 

regulations contained in the First 

Notice, the Agencies also received 

comments about the EGRPRA Review 

Process. First, we received comments 

concerning which of the Agencies’ rules 

are included in the review. As 

explained above, we have not included 

in this review those rules that will go 

into effect during the EGRPRA review, 

new regulations that have only recently 

gone into effect, or rules that we have 

yet to implement fully. The Agencies 

consider burden when adopting 

regulations. In addition, the Agencies, 

financial institutions, and the public 

need the benefit of experience with 

these regulations in order to assess their 

effect on insured depository 

institutions. 

We also received comments on which 

agencies participate in the EGRPRA 

review. As explained above, only the 

OCC, Board, and FDIC are statutorily 

required to undertake this review. 

Although other agencies may undertake 

regulatory reviews, those reviews are 

separate and distinct from this review. 

Finally, we received comments about 

whether the consumer regulations 

transferred to the CFPB by the DoddFrank Act are included in the EGRPRA 

review. The Agencies will seek 

comment only on those consumer 

regulations for which they retain 

rulemaking authority following passage 

of the Dodd-Frank Act, such as the fair 

housing advertising and recordkeeping, 

flood insurance, safeguarding customer 

information, and identity theft rules.9

IV. Request for Burden Reduction 

Comments on Regulations in the 

Banking Operations, Capital, and the 

Community Reinvestment Act 

Categories 

As noted previously, the Agencies are 

asking the public to comment on 

regulations in the Banking Operations, 

Capital, and the Community 

Reinvestment Act categories to identify 

outdated or otherwise unnecessary 

regulatory requirements imposed on 

insured depository institutions and their 

regulated holding companies. Where 

possible, we ask commenters to cite to 

specific regulatory language or 

provisions. We also welcome suggested 

alternative provisions or language in 

support of a comment, where 

appropriate. Where implementation of a 

suggestion would require modification 

of a statute, we ask the commenter to 

identify the statute and the needed 

change, where possible. 

The Agencies note that recently 

promulgated rules 10 amended, directly 

or by reference, several rules listed in 

the Capital category of the table 

published with the First Notice. The 

changes either went into effect in 2014 

or will go into effect during 2015. 

Consistent with the above-described 

EGRPRA Review Process,11 the Capital 

category in the table clarifies the 

specific regulations on which we are 

requesting comment. Where the table in 

the First Notice listed general subjectmatter areas in the Capital category, the 

table in this notice provides citations to 

the specific sections that the Agencies 

are including in this review. 

Specific issues for commenters to 

consider. The Agencies specifically 

invite comment on the following issues 

as they pertain to the Agencies’ Banking 

Operations, Capital, and Community 

Reinvestment Act rules addressed in 

this notice. 

• Need for statutory change. (1) Do 

any statutory requirements underlying 

the rules in these categories impose 

outdated or otherwise unnecessary 

regulatory requirements? (2) If so, please 

identify the statutes and indicate how 

they should be amended. 

• Need and purpose of the 

regulations. (1) Have there been changes 

in the financial services industry, 

consumer behavior, or other 

circumstances that cause any 

regulations in these categories to be 

outdated or otherwise unnecessary? (2) 

If so, please identify and indicate how 

they should be amended. (3) Do any of 

these regulations impose burdens not 

required by their underlying statutes? 

(4) If so, please identify the regulations 

and indicate how they should be 

amended. 

• Overarching approaches/flexibility. 

(1) With respect to the regulations in 

these categories, could an Agency use a 


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different approach to lessen the burden 

imposed by the regulations and achieve 

statutory intent? (2) Do any of these 

rules impose unnecessarily inflexible 

requirements? (3) If so, please identify 

the regulations and indicate how they 

should be amended. 

• Effect on competition. (1) Do any of 

the regulations or underlying statutes 

create competitive disadvantages for one 

part of the financial services industry 

compared to another or for one type of 

insured depository institution compared 

to another? (2) If so, please identify the 

regulations and indicate how they 

should be amended. 

• Reporting, recordkeeping and 

disclosure requirements. (1) Do any of 

the regulations or underlying statutes in 

these categories impose outdated or 

otherwise unnecessary reporting, 

recordkeeping, or disclosure 

requirements on insured depository 

institutions or their holding companies? 

(2) Could a financial institution fulfill 

any of these requirements electronically 

(if they are not already permitted to do 

so) and experience burden reduction? 

(3) If so, please identify the regulations 

and indicate how they should be 

amended. 

• Unique characteristics of a type of 

institution. (1) Do any of the regulations 

or underlying statutes in these 

categories impose requirements that are 

unwarranted by the unique 

characteristics of a particular type of 

insured depository institution or 

holding company? (2) If so, please 

identify the regulations and indicate 

how they should be amended. 

• Clarity. (1) Are the regulations in 

these categories clear and easy to 

understand? (2) Are there specific 

regulations for which clarification is 

needed? (3) If so, please identify the 

regulations and indicate how they 

should be amended. 

• Burden on community banks and 

other smaller, insured depository 

institutions. (1) Are there regulations or 

underlying statutes in these categories 

that impose outdated or otherwise 

unnecessary requirements on a 

substantial number of community banks 

or other smaller, insured depository 

institutions or holding companies? (2) 

Have the Agencies issued regulations 

pursuant to a common statute that, as 

applied by the Agencies, create 

redundancies or impose inconsistent 

requirements? (3) Should any of these 

regulations be amended or repealed in 

order to minimize this impact? (4) If so, 

please identify the regulations and 

indicate how they should be amended. 

• Scope of rules. (1) Is the scope of 

each rule in these categories consistent 

with the intent of the underlying 

statute(s)? (2) Could we amend the 

scope of a rule to clarify its applicability 

or reduce burden, while remaining 

faithful to statutory intent? (3) If so, 

please identify the regulations and 

indicate how they should be amended. 

BILLING CODE 6510–01–P 


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7984 Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / Proposed Rules 


wreier-aviles on DSK5TPTVN1PROD with PROPOSALSEP13FE15.000</GPH>

Categories and Regulations Addressed in the Second Federal Register Notice 

.... .. . .· .. State ...... Federal; 

>• •' ' • ·nH..Cs& 

' N • af Stat~ Non- •· State . · atton · · FHCs · .. Subject •·· Banks Member I Member Savtngs Sa.vings •. 

Bank.s .. ·. Associations Associations ~,~'- -,:- ~- !""< 

... . ... '. ' Banks ... · .. '••, ' < SLHCs·· 

1. Banking Operations 

OCC Regulations 

Assessment of 12CFR 12 CFR Part 

Fees Part 8 8 

Bank 12 CFR 

Operations Part 7, 

Subpart C 

Board Regulations 

A vai1abi1ity of 12 CFR 12 CFR 12 CFRPart 12 CFRPart 12 CFR Part 

Funds and Part 229 Part 229 229 229 [Reg. 229 [Reg. 

Collection of [Reg. CC] [Reg. CC] [Reg. CC] CC] CC] 

Checks 

Collection of 12 CFR 12 CFR 12 CFRPart 12 CFR Part 12 CFRPart 

Checks and Part 210 Part 210 210 210 [Reg. J] 210 [Reg. J] 

Other Items by [Reg. J] [Reg. J] [Reg. J] 

Federal Reserve 

Banks and 

Funds Transfers 

Through 

Fedwire 

Reimbursement 12CFR 12 CFR 12 CFRPart 12 CFRPart 12 CFRPart 

for Providing Part 219 Part 219 219 219 [Reg. S] 219 [Reg. S] 

Financial [Reg. S] [Reg. S] [Reg. S] 

Records; 

Recordkeeping 

Requirements 

for Certain 

Financial 

Records 

Reserve 12 CFR 12 CFR 12 CFR Part 12 CFRPart 12 CFR Part 

Requirements Part 204 Part 204 204 204 [Reg. D] 204 [Reg. D] 

of Depository [Reg. D] [Reg. D] [Reg. D] 

Institutions 
Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / Proposed Rules 7985 


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The Payment 

System Risk 

Reduction 

Policy 

Assessments 

Prompt 

Corrective 

Action 

National Bank 

Changes in 

Permanent 

Capital; 

Subordinated 

Debt as Ca ital 

Federal 

Reserve 

Regulatory 

Service 

9-1000 

12CFR 

6.3, 6.5, 

6.6, 6.20-

6.25 

12CFR 

5.46-.47. 12 

Federal 

Reserve 

Regulatory 

Service 9-

1000 

12 CFR 

208.42, 

.44, .45; 12 

CFRPart 

263, 

Subpart H 

Federal 

Reserve 

Regulatory 

Service 9-

1000 

12CFR 

324.402, 

324.404, 

324.405 

Federal 

Reserve 

Regulatory 

Service 9-

1000 

12 CFR 6.3, 

6.5, 6.6, 

6.20-6.25 

Federal 

Reserve 

Regulatory 

Service 9-

1000 

12 CFR 

324.402, 

324.404, 

324.405 

12 CFR 

208.42, .44, 

.45; 12 

CFRPart 

263, 

Subpart H 
7986 Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / Proposed Rules 

12On Dec. 18, 2014, the OCC issued an interim 

final rule with request for comment (IFR) amending 

12 CFR 5.47. 79 FR 75417. The effective date of the 

IFR was Jan. 1, 2015. In an effort to provide the 

fullest opportunity for public comment, the OCC 

invites comment on the IFR through both the 

process outlined in the IFR and the EGRPRA 

Review Process outlined above. 

Dated: January 20, 2015. 

Thomas J. Curry, 

Comptroller of the Currency. 

By order of the Board of Governors of the 

Federal Reserve System, February 6, 2015. 

Robert DeV. Frierson, 

Secretary of the Board. 

Dated: January 21, 2015. 

By order of the Board of Directors. 

Federal Deposit Insurance Corporation. 

Robert E. Feldman, 

Executive Secretary. 

[FR Doc. 2015–02998 Filed 2–12–15; 8:45 am] 

BILLING CODE 4810–33–P; 6510–01–P; 6714–01–C 

DEPARTMENT OF TRANSPORTATION 

Federal Aviation Administration 

14 CFR Part 39 

[Docket No. FAA–2015–0085; Directorate 

Identifier 2014–NM–078–AD] 

RIN 2120–AA64 

Airworthiness Directives; Airbus 

Airplanes 

AGENCY: Federal Aviation 

Administration (FAA), DOT. 

ACTION: Notice of proposed rulemaking 

(NPRM). 

SUMMARY: We propose to adopt a new 

airworthiness directive (AD) for all 

Airbus Model A330–243, A330–243F, 

A330–341, A330–342, and A330–343 

airplanes. This proposed AD was 

prompted by reports indicating that 

certain hinge sleeves on the cowl doors 

of the thrust reverser units (TRUs) were 

not heat treated. This proposed AD 

would require replacing the sleeves of 

certain hinges on the cowl doors of the 

TRUs with new parts. We are proposing 

this AD to prevent, in the event of a fanblade-off event due to high vibration, inflight loss of TRU heavy components, 

which might damage airplane structure 

or control surfaces, and consequent 

reduced controllability of the airplane. 

DATES: We must receive comments on 

this proposed AD by March 30, 2015. 

ADDRESSES: You may send comments, 

using the procedures found in 14 CFR 

11.43 and 11.45, by any of the following 

methods: 

• Federal eRulemaking Portal: Go to 

http://www.regulations.gov. Follow the 

instructions for submitting comments. 

• Fax: 202–493–2251. 

• Mail: U.S. Department of 

Transportation, Docket Operations, M– 

30, West Building Ground Floor, Room 

W12–140, 1200 New Jersey Avenue SE., 

Washington, DC 20590. 

• Hand Delivery: U.S. Department of 

Transportation, Docket Operations, M– 

30, West Building Ground Floor, Room 

W12–140, 1200 New Jersey Avenue SE., 

Washington, DC, between 9 a.m. and 5 

p.m., Monday through Friday, except 

Federal holidays. 

For service information identified in 

this proposed AD, contact Airbus SAS, 

Airworthiness Office—EAL, 1 Rond 

Point Maurice Bellonte, 31707 Blagnac 

Cedex, France; telephone +33 5 61 93 36 

96; fax +33 5 61 93 45 80; email 

airworthiness.A330–A340@airbus.com; 

Internet http://www.airbus.com. You 

may view this referenced service 

information at the FAA, Transport 

Airplane Directorate, 1601 Lind Avenue 

SW., Renton, WA. For information on 

the availability of this material at the 

FAA, call 425–227–1221. 


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