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

33567 

Vol. 86, No. 120 

Friday, June 25, 2021 

1To view the final rule, go to https://

www.regulations.gov/document/APHIS-2006-0159- 

0209. 

2To view the stay of the regulations, go to https:// 

www.regulations.gov/document/APHIS-2006-0159- 

0214. 

3To view the final rule, go to https://

www.regulations.gov/document/APHIS-2014-0059- 

0032. 

DEPARTMENT OF AGRICULTURE 

Animal and Plant Health Inspection 

Service 

9 CFR Part 2 

[Docket No. APHIS–2020–0101] 

RIN 0579–AC69 

Handling of Animals; Contingency 

Plans 

AGENCY: Animal and Plant Health 

Inspection Service, USDA. 

ACTION: Proposed rule. 

SUMMARY: The Animal and Plant Health 

Inspection Service issued a final rule on 

December 31, 2012, to establish 

regulations under which research 

facilities and dealers, exhibitors, 

intermediate handlers, and carriers must 

meet certain requirements for 

contingency planning and training of 

personnel. Implementation of the final 

rule was stayed on July 31, 2013, so that 

the agency could conduct additional 

review to further consider the impact of 

contingency plan requirements on 

regulated entities. Since that time, we 

have conducted such a review, and the 

2021 Congressional Appropriations Act 

has required us to propose to lift the 

stay. We are therefore proposing to lift 

the stay and make minor revisions to the 

requirements in order to update 

compliance dates and clarify intent. The 

lifting of the stay and proposed 

revisions would better ensure that 

entities responsible for animals 

regulated under the Animal Welfare Act 

are prepared to safeguard the health and 

welfare of such animals in the event of 

possible emergencies or disasters. 

DATES: We will consider all comments 

that we receive on or before August 24, 

2021. 

ADDRESSES: You may submit comments 

by either of the following methods: 

• Federal eRulemaking Portal: Go to 

www.regulations.gov. Enter APHIS– 

2020–0101 in the Search field. 

• Postal Mail/Commercial Delivery: 

Send your comment to Docket No. 

APHIS–2020–0101, Regulatory Analysis 

and Development, PPD, APHIS, Station 

3A–03.8, 4700 River Road Unit 118, 

Riverdale, MD 20737–1238. 

Supporting documents and any 

comments we receive on this docket 

may be viewed at www.regulations.gov 

or in our reading room, which is located 

in room 1620 of the USDA South 

Building, 14th Street and Independence 

Avenue SW, Washington, DC. Normal 

reading room hours are 8 a.m. to 4:30 

p.m., Monday through Friday, except 

holidays. To be sure someone is there to 

help you, please call (202) 799–7039 

before coming. 

FOR FURTHER INFORMATION CONTACT: Dr. 

Elizabeth Theodorson, DVM, MPH, 

Assistant Deputy Administrator, Animal 

Care, APHIS, 4700 River Road Unit 86, 

Riverdale, MD 20737; (970) 494–7473. 

SUPPLEMENTARY INFORMATION: 

Background 

Under the Animal Welfare Act (AWA) 

(7 U.S.C. 2131 et seq.), the Secretary of 

Agriculture is authorized to promulgate 

standards and other requirements 

governing the humane handling, care, 

treatment, and transportation of certain 

animals by dealers, research facilities, 

exhibitors, carriers, and intermediate 

handlers. The Secretary has delegated 

authority for administering the AWA to 

the Administrator of the U.S. 

Department of Agriculture’s (USDA’s) 

Animal and Plant Health Inspection 

Service (APHIS). Within APHIS, the 

responsibility for administering the 

AWA has been delegated to the Deputy 

Administrator for APHIS’ Animal Care 

program (AC). Regulations and 

standards established under the AWA 

are contained in 9 CFR parts 1, 2, and 

3 (referred to below as the regulations). 

Following the events experienced 

during the 2005 hurricane season, AC 

concluded that entities responsible for 

animals covered by the AWA could 

better safeguard the health and welfare 

of their animals by developing 

contingency plans for possible 

emergencies or disasters (situations 

which could reasonably be anticipated 

and expected to be detrimental to the 

good health and well-being of the 

animals in the regulated entity’s 

possession). Consequently, on December 

31, 2012, APHIS published in the 

Federal Register (77 FR 76815–76824, 

Docket No. APHIS–2006–0159) a final 

rule 1 establishing regulations under 

which research facilities and dealers, 

exhibitors, intermediate handlers, and 

carriers of animals regulated under the 

AWA must meet certain requirements 

for developing contingency plans and 

training personnel in their role and 

responsibilities related to the 

contingency plan. 

After learning that a number of small 

entities considered the requirements of 

these regulations excessive for their 

specific cases, and determining there to 

be validity to such a claim, on July 31, 

2013, we published in the Federal 

Register (78 FR 46255, Docket No. 

APHIS–2006–0159) a stay 2 of the 

regulations to reexamine any unique 

circumstances and costs that may vary 

by the type and size of businesses 

affected by the final rule. 

Since that time, APHIS has issued de 

minimis exemptions to animal 

licensure. On June 4, 2018, we 

published in the Federal Register (83 

FR 25549–25555, Docket No. APHIS– 

2014–0059) a final rule 3 that exempted 

from licensing dealers with four or 

fewer breeding female pet animals, 

small exotic or small wild mammals 

(such as hedgehogs, degus, spiny mice, 

prairie dogs, flying squirrels, jerboas, 

domesticated ferrets, chinchillas, and 

gerbils), and/or domesticated farm-type 

animals (such as cows, goats, pigs, 

sheep, llamas, and alpacas), and added 

an exemption from licensing for 

exhibitors who maintained eight or 

fewer pet animals, small exotic or small 

wild mammals, and/or domesticated 

farm-type animals for exhibition. 

Following issuance of the 2018 final 

rule, APHIS notified 525 licensees 

operating small businesses that they 

may be newly eligible for exemption 

from requirements under the amended 

regulations. As of December 2020, 259 

licensees have canceled their licenses, 

and we anticipate that this number will 

increase on a rolling basis as licenses 

meet their expiration dates. APHIS 

believes that these broadened 

exemptions address the concerns that 

led to the stay, and that contingency 


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33568 Federal Register / Vol. 86, No. 120 / Friday, June 25, 2021 / Proposed Rules 

planning requirements remain an 

important safeguard for the health and 

welfare of animals regulated under the 

AWA. 

Additionally, on December 27, 2020, 

the 2021 Congressional Appropriations 

Act (Pub. L. 116–260) required APHIS to 

propose to lift the stay on the final rule 

establishing requirements for 

contingency plans within 180 days of 

issuance of that Act. Consistent with our 

own evaluation, as well as the terms of 

the Act, we are issuing this proposed 

rule to lift the stay. 

We are also proposing to make minor 

changes to the contingency plan 

regulations. These changes include 

updating the compliance dates by which 

regulated entities must create their 

contingency plans to 180 days after the 

effective date of a final rule following 

this proposed rule; modifying the dates 

regarding when regulated entities must 

provide training to personnel to 60 days 

after the contingency plan being put in 

place; removing an extraneous reference 

to additional requirements for marine 

mammals to minimize confusion; and 

removing the requirement that facilities 

as well as dealers, exhibitors, 

intermediate handlers, and carriers 

document their personnel’s 

participation in requisite trainings. 

Finally, to increase the ease of and 

decrease the time burden associated 

with contingency planning, AC has 

created an optional form that entities 

may use to develop and document a 

contingency plan. The form would be 

available on the APHIS AC website, in 

the USDA Forms library on the USDA 

website, or upon request by email to 

animalcare@usda.gov or by mail to 

USDA/APHIS/AC, 2150 Centre Ave., 

Building B, Mailstop 3W11, Fort 

Collins, CO 80526–8117. We are 

proposing to add a reference to this form 

in the regulations. 

Executive Order 12866 and Regulatory 

Flexibility Act 

This proposed rule has been 

determined to be significant for the 

purposes of Executive Order 12866 and, 

therefore, has been reviewed by the 

Office of Management and Budget. 

Details on the estimated costs of this 

proposed rule can be found in the rule’s 

economic analysis. 

We have prepared an economic 

analysis for this rule. The economic 

analysis provides a cost-benefit analysis, 

as required by Executive Orders 12866 

and 13563, which direct agencies to 

assess all costs and benefits of available 

regulatory alternatives and, if regulation 

is necessary, to select regulatory 

approaches that maximize net benefits 

(including potential economic, 

environmental, public health and safety 

effects, and equity). Executive Order 

13563 emphasizes the importance of 

quantifying both costs and benefits, of 

reducing costs, of harmonizing rules, 

and of promoting flexibility. The 

economic analysis also provides an 

initial regulatory flexibility analysis that 

examines the potential economic effects 

of this rule on small entities, as required 

by the Regulatory Flexibility Act. The 

economic analysis is summarized 

below. Copies of the full analysis are 

available by contacting the person listed 

under FOR FURTHER INFORMATION

CONTACT or on the Regulations.gov 

website (see ADDRESSES above for 

instructions for accessing 

Regulations.gov). 

Based on the information we have, 

there is no reason to conclude that 

adoption of this proposed rule would 

result in any significant economic 

impact on a substantial number of small 

entities. However, we do not currently 

have all of the data necessary for a 

comprehensive analysis of the effects of 

this proposed rule on small entities. 

Therefore, we are inviting comments on 

potential effects. In particular, we are 

interested in determining the number 

and kinds of small entities that may 

incur benefits or costs from the 

implementation of this proposed rule. 

While it is difficult to quantify the 

benefits of contingency planning, they 

are numerous. First, contingency 

planning can prevent loss of animal life 

and any resulting undisposed carcasses 

that pose a threat to public health. 

Second, loss of valuable research 

resources and income can be mitigated 

with contingency planning. Third, 

having a contingency plan can reduce 

the time of recovery from disasters and 

thus provide cost savings to the affected 

businesses and organizations and allow 

for business continuity. Finally, 

required contingency planning will 

reassure the general public that facilities 

have measures in place to ensure the 

welfare of the animals in times of 

catastrophic and common emergencies. 

APHIS’ AC program will be providing 

a fillable form that can be used to 

develop and document the contingency 

plan; however, entities that have 

contingency plans in place may use 

those. For example, we believe that 

Public Health Service-funded research 

facilities and Association of Zoos and 

Aquariums zoos and aquariums have 

already developed contingency plans; 

they would not need to adopt the 

template. The template is intended to 

aid entities currently without a written 

contingency plan, and we estimate it 

will take 1–2 hours per entity to 

complete the plan, which includes the 

time to collect and document the 

required information. We anticipate that 

the use of this form will improve 

compliance and expedite the time for 

annual review by regulated entities of 

the plan. APHIS also estimates it will 

take up to 1 hour to train employees on 

the operations of the plan, which 

consists of familiarizing employees with 

their roles and responsibilities as 

outlined in the plan. APHIS invites 

comments on the time it may take to 

develop and implement contingency 

plans for the proposed rule and to 

provide the employee training required 

by the proposed rule. The Agency 

invites suggestions for guidance or other 

information that would help regulated 

facilities achieve compliance at 

minimum costs. 

We estimated lower and upper range 

estimates of costs for licensees and 

registrants to develop contingency plans 

in the first year. As noted above, we 

assume an average of 1 to 2 hours is 

required to prepare and implement a 

contingency plan using the form and 1 

hour for employee training in the first 

year. We multiplied this time by the 

average industry-specific wage rate of 

the entities. Our estimate of the total 

one-time cost to develop the 

contingency plans across all affected 

entity categories ranges from about 

$185,000 to about $370,000 and 

$185,000 for employee training, as well 

as possible capital costs, which will 

differ from entity to entity and which 

we accordingly are not able to estimate 

in aggregate. These estimates may be 

high, given our inclusion of entities that 

may currently have comparable 

contingency plans and already provide 

employee training, but for which we 

lack verifying information. We request 

specific public comment on our 

estimates. 

The 1 to 2 hours that we assume 

would be required to develop a 

contingency plan includes the time 

needed to identify resources for the 

plan’s preparation and documentation. 

The 1-hour training estimate for all 

current and new employees considers 

the time it would take an employee to 

become familiar with their roles and 

responsibilities as outlined in the plan. 

The costs included in this analysis 

reflect training for the first year only. 

Contingency planning also requires 

recordkeeping, ensuring that the 

contingency plans are kept current, and 

employee training. The type of training 

and type of contingency plan required 

may differ depending on the type of 

organization or business, as well as its 

location and the location’s climate 

history. 


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Federal Register / Vol. 86, No. 120 / Friday, June 25, 2021 / Proposed Rules 33569 

Executive Order 12372 

This program/activity is listed in the 

Catalog of Federal Domestic Assistance 

under No. 10.025 and is subject to 

Executive Order 12372, which requires 

intergovernmental consultation with 

State and local officials. (See 2 CFR 

chapter IV.) 

Executive Order 12988 

This proposed rule has been reviewed 

under Executive Order 12988, Civil 

Justice Reform. It is not intended to 

have retroactive effect. The Act does not 

provide administrative procedures 

which must be exhausted prior to a 

judicial challenge to the provisions of 

this rule. 

National Environmental Policy Act 

To provide the public with 

documentation of APHIS’ review and 

analysis of any potential environmental 

impacts associated with contingency 

planning, we have prepared an 

environmental assessment. The 

environmental assessment was prepared 

in accordance with: (1) The National 

Environmental Policy Act of 1969 

(NEPA), as amended (42 U.S.C. 4321 et 

seq.), (2) regulations of the Council on 

Environmental Quality for 

implementing the procedural provisions 

of NEPA (40 CFR parts 1500–1508), (3) 

USDA regulations implementing NEPA 

(7 CFR part 1b), and (4) APHIS’ NEPA 

Implementing Procedures (7 CFR part 

372). 

The environmental assessment may 

be viewed on the Regulations.gov 

website or in our reading room. (A link 

to Regulations.gov and information on 

the location and hours of the reading 

room are provided under the heading 

ADDRESSES at the beginning of this 

proposed rule.) In addition, copies may 

be obtained by calling or writing to the 

individual listed under FOR FURTHER

INFORMATION CONTACT. 

Executive Order 13175 

This rule has been reviewed in 

accordance with the requirements of 

Executive Order 13175, ‘‘Consultation 

and Coordination with Indian Tribal 

Governments.’’ Executive Order 13175 

requires Federal agencies to consult and 

coordinate with Tribes on a 

government-to-government basis on 

policies that have Tribal implications, 

including regulations, legislative 

comments or proposed legislation, and 

other policy statements or actions that 

have substantial direct effects on one or 

more Indian Tribes, on the relationship 

between the Federal Government and 

Indian Tribes or on the distribution of 

power and responsibilities between the 

Federal Government and Indian Tribes. 

Based on the foregoing, the USDA’s 

Office of Tribal Relations (OTR) has 

assessed the impact of this rule on 

Indian Tribes and determined that 

consultation is not required at this time. 

If consultation is requested, OTR will 

work with APHIS to ensure quality 

consultation is provided. 

Paperwork Reduction Act 

In accordance with section 3507(d) of 

the Paperwork Reduction Act of 1995 

(44 U.S.C. 3501 et seq.), the information 

collection or recordkeeping 

requirements included in this proposed 

rule have been submitted for approval to 

the Office of Management and Budget 

(OMB). Written comments and 

recommendations for the proposed 

information collection should be sent 

within 60 days of publication of this 

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

PRAMain. Find this particular 

information collection by selecting 

‘‘Currently under Review—Open for 

Public Comments’’ or by using the 

search function. Please send a copy of 

your comments to: (1) Docket No. 

APHIS–2020–0101, Regulatory Analysis 

and Development, PPD, APHIS, Station 

3A–03.8, 4700 River Road Unit 118, 

Riverdale, MD 20737–1238, and (2) 

Clearance Officer, OCIO, USDA, Room 

404–W, 14th Street and Independence 

Avenue SW, Washington, DC 20250. A 

comment to OMB is best assured of 

having its full effect if OMB receives it 

within 30 days of publication of this 

proposed rule. 

The proposed rule would amend the 

current regulations and would require 

all licensees and registrants, which 

include research facilities, dealers, 

exhibitors, intermediate handlers, and 

carriers, to develop, document, and 

maintain contingency plans for the 

handling of animals during all 

emergencies or disasters. 

We are soliciting comments from the 

public (as well as affected agencies) 

concerning the new proposed optional 

APHIS form for creating and 

documenting them, as well as our 

proposed information collection and 

recordkeeping requirements. These 

comments will help us: 

(1) Evaluate whether the proposed 

information collection is necessary for 

the proper performance of our agency’s 

functions, including whether the 

information will have practical utility; 

(2) Evaluate the accuracy of our 

estimate of the burden of the proposed 

information collection, including the 

validity of the methodology and 

assumptions used; 

(3) Enhance the quality, utility, and 

clarity of the information to be 

collected; and 

(4) Minimize the burden of the 

information collection on those who are 

to respond (such as through the use of 

appropriate automated, electronic, 

mechanical, or other technological 

collection techniques or other forms of 

information technology; e.g., permitting 

electronic submission of responses). 

Estimate of burden: Public burden for 

this collection of information is 

estimated to average 1.75 hours per 

response. 

Respondents: Dealers, exhibitors, 

research facilities, carriers, and 

intermediate handlers. 

Estimated annual number of 

respondents: 8,795. 

Estimated annual number of 

responses per respondent: 2. 

Estimated annual number of 

responses: 17,590. 

Estimated total annual burden on 

respondents: 30,783 hours. (Due to 

averaging, the total annual burden hours 

may not equal the product of the annual 

number of responses multiplied by the 

reporting burden per response.) 

A copy of the information collection 

may be viewed on the Regulations.gov 

website or in our reading room. (A link 

to Regulations.gov and information on 

the location and hours of the reading 

room are provided under the heading 

ADDRESSES at the beginning of this 

proposed rule.) A copy may also be 

obtained from Mr. Joseph Moxey, 

APHIS’ Paperwork Reduction Act 

Coordinator, at (301) 851–2483. APHIS 

will respond to any ICR-related 

comments in the final rule. All 

comments will also become a matter of 

public record. 

E-Government Act Compliance 

The Animal and Plant Health 

Inspection Service is committed to 

compliance with the E-Government Act 

to promote the use of the internet and 

other information technologies, to 

provide increased opportunities for 

citizen access to Government 

information and services, and for other 

purposes. For information pertinent to 

E-Government Act compliance related 

to this proposed rule, please contact Mr. 

Joseph Moxey, APHIS’ Paperwork 

Reduction Act Coordinator, at (301) 

851–2483. 

List of Subjects in 9 CFR Part 2 

Animal welfare, Pets, Reporting and 

recordkeeping requirements, Research. 

Accordingly, we propose to amend 9 

CFR part 2 as follows: 

PART 2—REGULATIONS 

■ 1. The authority citation for part 2 

continues to read as follows: 


lotter on DSK11XQN23PROD with PROPOSALS1
33570 Federal Register / Vol. 86, No. 120 / Friday, June 25, 2021 / Proposed Rules 

Authority: 7 U.S.C. 2131–2159; 7 CFR 

2.22, 2.80, and 371.7. 

■ 2. Amend § 2.38: 

■ a. By lifting the stay on paragraph (l); 

■ b. In paragraph (l)(2): 

■ i. In the first sentence by removing the 

date ‘‘July 29, 2013’’ and adding 

‘‘[DATE 180 DAYS AFTER EFFECTIVE 

DATE OF FINAL RULE]’’ in its place; 

■ ii. In the next to last sentence by 

removing the words ‘‘and training 

records’’; and 

■ ii. By revising the last sentence; and 

■ c. By revising paragraph (l)(3). 

The revisions read as follows: 

§ 2.38 Miscellaneous. 

* * * * * 

(l) * * * 

(2) * * * The APHIS Contingency 

Plan form may be used to keep and 

maintain the information required by 

paragraph (l)(1) of this section and this 

paragraph (l)(2). 

(3) The facility must provide training 

for its personnel regarding their roles 

and responsibilities as outlined in the 

plan. For current registrants, training of 

facility personnel must be completed 

within 60 days of the research facility 

putting their plan in place; for research 

facilities registered after [DATE 180 

DAYS AFTER EFFECTIVE DATE OF 

FINAL RULE] training of facility 

personnel must be completed within 60 

days of the facility putting its 

contingency plan in place. To fulfill this 

training requirement, employees hired 

30 days or more before the contingency 

plan is put in place must be trained by 

the date the facility puts its contingency 

plan in place. For employees hired less 

than 30 days before that date or after 

that date, training must be conducted 

within 30 days of their start date. Any 

changes to the plan as a result of the 

annual review must be communicated 

to employees through training which 

must be conducted within 30 days of 

making the changes. 

■ 3. Amend § 2.134: 

■ a. By lifting the stay on the section; 

■ b. In paragraph (b): 

■ i. In the first sentence by removing the 

date ‘‘July 29, 2013’’ and adding 

‘‘[DATE 180 DAYS AFTER EFFECTIVE 

DATE OF FINAL RULE]’’ in its place; 

■ ii. In the fifth sentence by removing 

the words ‘‘and training records’’; and 

■ iii. By revising the last sentence; and 

■ c. By revising paragraph (c). 

The revisions read as follows: 

§ 2.134 Contingency planning. 

* * * * * 

(b) * * * The APHIS Contingency 

Plan form may be used to keep and 

maintain the information required by 

§ 2.38(l)(1) and (2). 

(c) Dealers, exhibitors, intermediate 

handlers, and carriers must provide 

training for their personnel regarding 

their roles and responsibilities as 

outlined in the plan. For current 

licensees and registrants, training of 

dealer, exhibitor, intermediate handler, 

and carrier personnel must be 

completed within 60 days of the 

licensee and registrant putting their 

contingency plan in place; for new 

dealers, exhibitors, intermediate 

handlers, or carriers licensed or 

registered after [DATE 180 DAYS 

AFTER EFFECTIVE DATE OF FINAL 

RULE], training of personnel must be 

completed within 60 days of the dealer, 

exhibitor, intermediate handler, or 

carrier putting their contingency plan in 

place. To fulfill this requirement, 

employees hired 30 days or more before 

the contingency plan is put in place 

must be trained by the date the licensee 

or registrant puts their contingency plan 

in place. For employees hired less than 

30 days before that date or after that 

date, training must be conducted within 

30 days of their start date. Any changes 

to the plan as a result of the annual 

review must be communicated to 

employees through training which must 

be conducted within 30 days of making 

the changes. 

Done in Washington, DC, this 16th day of 

June 2021. 

Mae Wu, 

Deputy Under Secretary for Marketing and 

Regulatory Programs. 

[FR Doc. 2021–13152 Filed 6–24–21; 8:45 am] 

BILLING CODE 3410–34–P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

12 CFR Part 365 

RIN 3064–AF72 

Real Estate Lending Standards 

AGENCY: Federal Deposit Insurance 

Corporation (FDIC). 

ACTION: Notice of proposed rulemaking 

and request for comment. 

SUMMARY: The FDIC is inviting comment 

on a proposed rule to amend 

Interagency Guidelines for Real Estate 

Lending Policies (Real Estate Lending 

Standards). The purpose of the 

proposed rule is to align the Real Estate 

Lending Standards with the community 

bank leverage ratio (CBLR) rule, which 

does not require electing institutions to 

calculate tier 2 capital or total capital. 

The proposed rule would allow a 

consistent approach for calculating the 

ratio of loans in excess of the 

supervisory loan-to-value limits (LTV 

Limits) at all FDIC-supervised 

institutions, using a methodology that 

approximates the historical 

methodology the FDIC has followed for 

calculating this measurement without 

requiring institutions to calculate tier 2 

capital. The proposed rule would also 

avoid any regulatory burden that could 

arise if an FDIC-supervised institution 

subsequently decides to switch between 

different capital frameworks. 

DATES: Comments must be received by 

July 26, 2021. 

ADDRESSES: Interested parties are 

encouraged to submit written 

comments. Commenters should use the 

title ‘‘Real Estate Lending Standards 

(RIN 3064–AF72)’’ to facilitate the 

organization of comments. Interested 

parties are invited to submit written 

comments, identified by RIN 3064– 

AF72, by any of the following methods: 

• FDIC website: https://www.fdic.gov/ 

resources/regulations/federal-registerpublications/. 

• Mail: James P. Sheesley, Assistant 

Executive Secretary, Attention: 

Comments/Legal ESS (RIN 3064–AF72), 

Federal Deposit Insurance Corporation, 

550 17th Street NW, Washington, DC 

20429. 

• Hand Delivery/Courier: The guard 

station at the rear of the 550 17th Street 

NW, building (located on F Street) on 

business days between 7:00 a.m. and 

5:00 p.m. 

• Email: Comments@FDIC.gov. 

Comments submitted must include 

‘‘RIN 3064–AF72.’’ 

Please include your name, affiliation, 

address, email address, and telephone 

number(s) in your comment. All 

statements received, including 

attachments and other supporting 

materials, are part of the public record 

and are subject to public disclosure. 

You should submit only information 

that you wish to make publicly 

available. 

Please note: All comments received 

will be posted generally without change 

to https://www.fdic.gov/resources/ 

regulations/federal-registerpublications/, including any personal 

information provided. 

FOR FURTHER INFORMATION CONTACT:

Alicia R. Marks, Examination 

Specialist, Division of Risk Management 

and Supervision, (202) 898–6660, 

AMarks@FDIC.gov; Navid K. 

Choudhury, Counsel, (202) 898–6526, or 

Catherine S. Wood, Counsel, (202) 898– 

3788, Federal Deposit Insurance 

Corporation, 550 17th Street NW, 

Washington, DC 20429. For the hearing 

impaired only, TDD users may contact 

(202) 925–4618. 


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