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

38679 

Vol. 87, No. 124 

Wednesday, June 29, 2022 

1Credit Card Accountability Responsibility and 

Disclosure Act of 2009 (CARD Act), Public Law 

111–24, 123 Stat. 1734 (2009). 

2 12 CFR part 1026. 

3 15 U.S.C. 1665d(a). 

4The Dodd-Frank Act, which became law on July 

21, 2010, established the Bureau and, one year later, 

transferred authority and responsibility for 

implementing and enforcing the CARD Act from the 

Board to the Bureau. 

5 15 U.S.C. 1665d(b). 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

12 CFR Part 1026 

[Docket No. CFPB–2022–0039] 

Credit Card Late Fees and Late 

Payments 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Advance notice of proposed 

rulemaking. 

SUMMARY: In order to support its 

rulemaking and other functions, the 

Consumer Financial Protection Bureau 

(Bureau or CFPB) is charged with 

monitoring for risks to consumers in the 

offering or provision of consumer 

financial products or services, including 

developments in markets for such 

products or services. As part of this 

mandate, the Bureau is seeking 

information from credit card issuers, 

consumer groups, and the public 

regarding credit card late fees and late 

payments, and card issuers’ revenue and 

expenses. For example, the Bureau is 

seeking information relevant to certain 

provisions related to credit card late fees 

in the Credit Card Accountability 

Responsibility and Disclosure Act of 

2009 (CARD Act or the Act) and 

Regulation Z. Areas of inquiry include: 

factors used by card issuers to set late 

fee amounts; card issuers’ costs and 

losses associated with late payments; 

the deterrent effects of late fees; 

cardholders’ late payment behavior; 

methods that card issuers use to 

facilitate or encourage timely payments, 

including autopay and notifications; 

card issuers’ use of the late fee safe 

harbor provisions in Regulation Z; and 

card issuers’ revenue and expenses 

related to their domestic consumer 

credit card operations. 

DATES: Comments must be received by 

July 22, 2022. 

ADDRESSES: You may submit responsive 

information and other comments, 

identified by Docket No. CFPB–2022– 

0039 by any of the following methods: 

1. Federal eRulemaking Portal: 

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

instructions for submitting comments. 

2. Email: 2022-CreditCard

LateFeeANPR@cfpb.gov. Include Docket 

No. CFPB–2022–0039 in the subject line 

of the message. 

3. Mail/Hand Delivery/Courier: 

Comment Intake—Credit Card Late Fees, 

Consumer Financial Protection Bureau, 

1700 G Street NW, Washington, DC 

20552. Please note that due to 

circumstances associated with the 

COVID–19 pandemic, the Bureau 

discourages the submission of 

comments by hand delivery, mail, or 

courier. 

Instructions: The Bureau encourages 

the early submission of comments. All 

submissions must include the document 

title and docket number. Because paper 

mail in the Washington, DC area and at 

the Bureau is subject to delay, 

commenters are encouraged to submit 

comments electronically. In general, all 

comments received will be posted 

without change to https://

www.regulations.gov. In addition, once 

the Bureau’s headquarters reopens, 

comments will be available for public 

inspection and copying at 1700 G Street 

NW, Washington, DC 20552, on official 

business days between the hours of 10 

a.m. and 5 p.m. Eastern time. At that 

time, you can make an appointment to 

inspect the documents by telephoning 

202–435–7275. 

All submissions in response to this 

notice, including attachments and other 

supporting materials, will become part 

of the public record and subject to 

public disclosure. Proprietary 

information or sensitive personal 

information, such as account numbers 

or Social Security numbers, or names of 

other individuals, should not be 

included. Submissions will not be 

edited to remove any identifying or 

contact information. 

If you wish to submit trade secret or 

confidential commercial information, 

please contact the individuals listed in 

the FOR FURTHER INFORMATION CONTACT

section below. Information that the 

submitter customarily and actually 

keeps private will be treated as 

confidential in accordance with the 

Bureau’s Rule on the Disclosure of 

Records and Information, 12 CFR part 

1070. 

FOR FURTHER INFORMATION CONTACT: 

Adrien Fernandez, Counsel, Krista 

Ayoub and Steve Wrone, Senior 

Counsels, Office of Regulations, at 202– 

435–7700. If you require this document 

in an alternative electronic format, 

please contact CFPB_Accessibility@

cfpb.gov. 

SUPPLEMENTARY INFORMATION: 

I. Background 

In order to support its rulemaking and 

other functions, the Bureau is charged 

with monitoring for risks to consumers 

in the offering or provision of consumer 

financial products or services, including 

developments in markets for such 

products or services. As part of this 

mandate, the Bureau is seeking 

information from credit card issuers, 

consumer groups, and the public 

regarding credit card late fees and late 

payments and card issuers’ revenue and 

expenses. For example, the Bureau is 

seeking information relevant to certain 

provisions related to late fees in the 

CARD Act 1 and Regulation Z.2

Specifically, section 149(a) of the 

CARD Act provides that the amount of 

any penalty fee or charge that a card 

issuer may impose with respect to a 

credit card account under an open-end 

consumer credit plan in connection 

with any omission with respect to, or 

violation of, the cardholder agreement, 

including any late payment fee, overthe-limit fee, or any other penalty fee or 

charge, must be reasonable and 

proportional to such omission or 

violation.3 Section 149(b) of the Act 

directs the Bureau 4 to issue rules that 

establish standards for assessing 

whether the amount of any penalty fee 

or charge is reasonable and proportional 

to the omission or violation to which 

the fee or charge relates.5 In issuing 

such rules, the Act requires the Bureau 

to consider: (1) the cost incurred by the 

creditor from an omission or violation; 

(2) the deterrence of omissions or 

violations by the cardholder; (3) the 

conduct of the cardholder; and (4) such 

other factors as the Bureau may deem 

necessary or appropriate. The Act 


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6 15 U.S.C. 1665d(d). 

7 15 U.S.C. 1665d(e). 

8The provisions in § 1026.52(b)(1) apply to 

penalty fees generally, including late fees. See 

comment 52(b)–1. Other restrictions on the amount 

of penalty fees, including late fees, are set forth in 

§ 1026.52(b)(2). For example, § 1026.52(b)(2)(i)(A) 

prohibits a card issuer from imposing a late fee that 

exceeds the amount of the required minimum 

periodic payment due immediately prior to 

assessment of the late payment fee. Comment 

52(b)(2)(i)–1. 

9 12 CFR 1026.52(b)(1)(ii)(D). 

10See comment 52(b)(1)–1.i.A. 

authorizes the Bureau to establish 

different standards for different types of 

fees and charges, as appropriate.6

Finally, the Act authorizes the Bureau 

in consultation with other agencies to 

provide an amount for any penalty fee 

or charge that is presumed to be 

reasonable and proportional to the 

omission or violation to which the fee 

or charge relates.7

Section 149(a) and (b) of the CARD 

Act is implemented in part in 

Regulation Z, § 1026.52(b)(1). In 

particular, under § 1026.52(b)(1), a card 

issuer must not impose a fee for 

violating the terms or other 

requirements of a credit card account, 

including a late payment, unless the 

issuer has determined that the dollar 

amount of the fee represents a 

reasonable proportion of the total costs 

incurred by the issuer for that type of 

violation consistent with 

§ 1026.52(b)(1)(i) or complies with the 

safe harbor amounts consistent with 

§ 1026.52(b)(1)(ii).8 Currently, 

§ 1026.52(b)(1)(ii) sets forth a safe 

harbor of $30 generally for a late 

payment, except that it sets forth a safe 

harbor of $41 for each subsequent late 

payment within the next six billing 

cycles. The safe harbor dollar amounts 

in § 1026.52(b)(1)(ii) are subject to an 

annual inflation adjustment.9 A card 

issuer is not required to use the cost 

analysis in § 1026.52(b)(1)(i) to 

determine the amount of late fees if it 

complies with the safe harbor amounts 

in § 1026.52(b)(1)(ii).10

The questions in this notice cover 

several areas relating to the forgoing 

statutory and regulatory provisions, as 

well as areas relating more generally to 

the domestic consumer credit card 

market. Areas of inquiry include: factors 

used by card issuers to set late fee 

amounts, including but not limited to 

the statutory factors described above; 

card issuers’ costs and losses associated 

with late payments; the deterrent effects 

of late fees; cardholders’ late payment 

behavior; methods that card issuers use 

to facilitate or encourage timely 

payments, including autopay and 

notifications; card issuers’ use of the 

late fee safe harbor provisions in 

Regulation Z, § 1026.52(b)(1)(ii); and 

card issuers’ revenue and expenses 

related to their domestic consumer 

credit card operations. In answering the 

questions below, card issuer 

commenters should base their answers 

on information relevant to their 

domestic consumer credit card 

portfolios. Other commenters should 

base their answers on information they 

have about the domestic consumer 

credit card market. 

II. Questions 

A. Factors Used by Card Issuers To Set 

Existing Levels of Late Fees 

1. For late fees assessed to 

cardholders who were not previously 

assessed a late fee in at least one of the 

previous six billing cycles, what factors 

do card issuers use to determine the 

amount of the late fee to charge per 

incident? For card issuer commenters, 

please list and describe factors that you 

consider in determining the late fee 

amount to charge per incident 

including: 

a. Whether, and if so how, you 

determine that the late fee amount is 

proportionate or otherwise related to the 

cost you incur from a late payment; 

b. Whether, and if so how, you 

determine that the late fee amount is 

proportionate or otherwise related to the 

statement balance or amount of the 

required minimum payment (beyond 

the restrictions in § 1026.52(b)(2)); 

c. Whether, and if so how, you take 

into account the number of late fees you 

estimate you would be unable to collect; 

d. Whether, and if so how, you 

determine the late fee amount based on 

annual revenue goals; 

e. Whether, and if so how, you take 

into account information related to 

whether and to what degree the amount 

of a late fee deters future late payments 

or other violations; and 

f. Whether, and if so how, you take 

into account any other factors. 

2. For late fees assessed to 

cardholders who were previously 

assessed a late fee in at least one of the 

previous six billing cycles, what factors 

do card issuers use to determine the 

amount of the late fee to charge per 

incident? For card issuer commenters, 

please list and describe factors you 

consider in determining the late fee 

amount to charge per incident 

including: 

a. Whether, and if so how, you 

determine that the late fee amount is 

proportionate or otherwise related to the 

cost you incur from a late payment; 

b. Whether, and if so how, you 

determine that the late fee amount is 

proportionate or otherwise related to the 

statement balance or the amount of the 

required minimum payment (beyond 

the restrictions in § 1026.52(b)(2)); 

c. Whether, and if so how, you take 

into account the number of late fees you 

estimate you would be unable to collect; 

d. Whether, and if so how, you 

determine the late fee amount based on 

annual revenue goals; 

e. Whether, and if so how, you take 

into account information related to 

whether and to what degree the amount 

of a late fee deters future late payments 

or other violations; and 

f. Whether, and if so how, you take 

into account any other factors. 

B. Costs and Losses 

3. What types of costs are associated 

with credit card late payments? For card 

issuer commenters, please provide an 

itemization of the annual amounts in 

2019, 2020, and 2021 aggregated for 

your domestic consumer credit card 

portfolios for the following categories: 

a. Costs associated with notifying 

(other than through periodic statements) 

cardholders of delinquencies and 

resolving delinquencies (including the 

establishment of workout and temporary 

hardship arrangements) prior to chargeoff, including payments to third-party 

debt collectors; 

b. Costs associated with notifying 

(other than through periodic statements) 

cardholders of delinquencies and 

resolving delinquencies (including the 

establishment of workout and temporary 

hardship arrangements) post-charge-off, 

including payments to third-party debt 

collectors; 

c. Charges to the card issuer by other 

third parties as a result of late payment; 

d. Losses due to non-payment; 

e. Costs associated with holding 

reserves against potential losses; and 

f. Costs of funding delinquent 

accounts. 

4. What is the amount of costs 

associated with a single additional late 

payment? For card issuer commenters, 

please list, describe, and report the 

amount of marginal costs associated 

with a single additional late payment 

incurred by you. For card issuer 

commenters, please also list, describe, 

and report the amount of average costs 

associated with collecting late 

payments. Please distinguish between 

pre-charge-off and post-charge-off costs 

when appropriate, and exclude losses 

due to non-payment, costs associated 

with holding reserves, and costs of 

funding delinquent accounts. 

5. Please list and describe actions and 

methods through which a card issuer 

typically contacts cardholders about late 

payments (other than through periodic 

statements). For card issuer 


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Federal Register / Vol. 87, No. 124 / Wednesday, June 29, 2022 / Proposed Rules 38681 

11Please do not include fees that you chose not 

to impose or chose not to collect (such as fees you 

chose to waive at the request of the cardholder or 

under a workout or temporary hardship 

arrangement). 

12The grace period is the date by which or the 

period within which any credit extended may be 

repaid without incurring a finance charge due to a 

periodic interest rate. 

13For the purposes of this section, a ‘‘courtesy 

period’’ refers to a policy or practice of a time 

period after the due date in which a late fee will 

not be assessed if at least the minimum payment is 

received and credited to the account during that 

Continued 

commenters, please report the general 

number of calendar days after the due 

date after which you typically undertake 

the following actions if the minimum 

payment is not received: 

a. Contact cardholder about late 

payment (other than through periodic 

statements) prior to charging a late fee; 

b. Contact cardholder about late 

payment (other than through periodic 

statements) after charging a late fee; 

c. Report late payment to credit 

bureaus; 

d. Initiate collection actions via firstparty debt collection; 

e. Initiate collection actions via thirdparty debt collection; and 

f. Any other actions taken specifically 

with respect to collecting late payments. 

6. How many late payments does a 

card issuer typically experience in a 

year, as a total and relative to the 

number of accounts? For card issuer 

commenters, please report the annual 

number of late payments experienced by 

you in 2019, 2020, and 2021, as a total 

per year, and also as a fraction of the 

number of accounts per year. 

7. How many late fees does a card 

issuer typically assess in a year, as a 

total and as relative to the number of 

accounts? For card issuer commenters, 

please report the annual number of late 

fees assessed by you in 2019, 2020, and 

2021, as a total per year, and also as a 

fraction of the number of accounts per 

year. 

8. For card issuer commenters, for 

each of the following categories 

separately, please report the annual 

number in 2019, 2020, and 2021, as a 

total per year and relative to the number 

of accounts per year, of: 

a. Late fees that you were not able to 

collect and whether these uncollectible 

amounts are more common for the first 

versus subsequent late fee charges; 11

b. Late fees that were discharged in 

bankruptcy; and 

c. Late fees that you were required to 

waive in order to comply with a legal 

requirement (such as a requirement 

imposed by Regulation Z or 50 U.S.C. 

app. 527). 

C. Deterrence 

9. Do card issuers, consumer groups, 

or the general public have any research 

or information related to whether and to 

what degree the amount of a late fee, 

including the higher safe harbor amount 

set forth in § 1026.52(b)(1)(ii)(B), does or 

does not deter future late payments and 

whether the deterrent effect differs for 

the first versus subsequent late 

payments? If so, please provide that 

research or information. 

10. Do card issuers typically impose 

consequences other than late fees on 

cardholders for paying late? If so, what 

other consequences are generally 

imposed on cardholders for paying late? 

Do card issuers, consumer groups, or the 

general public have any research or 

information on how effective these other 

consequences are at deterring late 

payments? If so, please provide that 

research or information. When are these 

other consequences generally imposed? 

For card issuer commenters, please 

report the general number of calendar 

days after the due date after which the 

following actions typically will occur if 

the minimum payment is not received: 

a. Lose grace period 12 on new 

transactions; 

b. Revise upward purchase APRs on 

new transactions because of late 

payments that were not more than 60 

days late; 

c. Revise upward purchase APRs on 

new transactions and existing balance 

because of late payments that were more 

than 60 days late; 

d. Lose benefits such as rewards; and 

e. Any other consequences. 

11. Are there other methods that card 

issuers typically use to deter late 

payments that are less costly to 

cardholders than late fees or the 

consequences listed above? If so, what 

are those methods? (See also questions 

below related to auto pay and 

notifications of an upcoming payment.) 

D. Cardholder Behavior 

12. What categories do card issuers 

use to classify cardholders based on 

their late payment behavior (e.g., 

cardholders who (1) inadvertently forgot 

to pay; versus (2) cardholders who did 

not have the funds to pay by the due 

date)? For card issuer commenters, 

please provide data on what share of 

cardholders that pay late fall within 

each of these categories, or other typical 

classifications. 

13. For card issuer commenters, 

please provide data on how many 

calendar days after the due date 

cardholders make at least the minimum 

payment that is late. Please indicate to 

what percent of accounts is at least the 

minimum payment received and 

credited within: 

a. Less than 24 hours; 

b. 2–5 days; 

c. 6–10 days; 

d. 11–15 days; 

e. 16–30 days; and 

f. 31 days or more. 

14. Is there other cardholder conduct 

the Bureau should consider in 

evaluating potential changes to the safe 

harbor provisions in § 1026.52(b)(1)(ii)? 

If so, what is the other conduct and how 

should the Bureau consider it? 

E. Autopay 

15. Do most card issuers currently 

offer autopay? For card issuers that 

currently offer autopay, please describe 

the process that a cardholder must go 

through in order to enroll in autopay 

and any restrictions that you may place 

on the autopay feature (i.e., the feature 

is only available to certain cardholders). 

16. For card issuers that currently 

offer autopay, what is the current rate of 

cardholder enrollment? 

17. For card issuers that currently 

offer autopay, are any benefits offered to 

cardholders to incentivize autopay 

enrollment? 

18. What, if any, are the consumerrelated concerns associated with 

cardholders’ use of autopay? Do card 

issuers consider these concerns when 

determining whether to provide autopay 

or incentivize its use, and if so, how? 

19. What are the benefits to card 

issuers of making autopay available to 

cardholders? 

F. Notifications of Upcoming Due Date 

20. Please list and describe actions 

and methods through which card 

issuers contact cardholders about an 

upcoming due date (other than through 

periodic statements). For card issuers 

that provide notifications about 

upcoming due dates (other than through 

periodic statements), do you require 

cardholders to opt in to these 

notifications or are all notifications of 

this type automatic for every 

cardholder? 

21. For card issuers that provide 

notifications about upcoming due dates 

(other than through periodic 

statements), in the months after a 

cardholder is charged a late fee, do you 

change the frequency or method by 

which you communicate with 

cardholders that a payment due date is 

upcoming? If so, how long are these 

changes in effect? 

G. Courtesy Periods and Fee Waivers 13

22. Do any card issuers currently offer 

courtesy periods before late fees are 


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38682 Federal Register / Vol. 87, No. 124 / Wednesday, June 29, 2022 / Proposed Rules 

time period, even if the terms of the account 

agreement provide that the card issuer may assess 

a late payment fee by a certain date. 

14See commentary to § 1026.52(b)(1)(i) for 

existing details on the cost-analysis provisions 

under § 1026.52(b)(1)(i). 

assessed? For card issuers that offer 

courtesy periods, how many days is the 

courtesy period? Are there any 

restrictions associated with the courtesy 

period (i.e., courtesy periods are only 

available to certain cardholders)? 

23. Do any card issuers waive late fees 

if a cardholder contacts the issuer? If so, 

for card issuers that waive late fees, 

under what circumstances are late fees 

waived? 

H. Staggered Late Fee 

24. Do any card issuers currently offer 

staggered late fees (i.e., a small dollar 

amount fee, such as $2–3, that is 

imposed no more often than every 

certain number of days, such as every 5 

or 10 days)? For card issuers that offer 

staggered late fees, describe the 

structure and how the fee amounts and 

number of days between fee escalations 

were decided. 

I. Safe Harbor Provisions 

25. Other than the statutory factors 

listed in the CARD Act, are there other 

factors the Bureau should consider in 

evaluating potential changes to the safe 

harbor provisions in § 1026.52(b)(1)(ii)? 

If so, what are these other factors and 

how should the Bureau consider them? 

26. For card issuer commenters, if you 

assess a late fee that is lower or greater 

than the current safe harbor amounts set 

forth in § 1026.52(b)(1)(ii), please 

describe why the safe harbor amount is 

not being charged and how you arrived 

at the amount charged. 

27. What late fee safe harbor amount 

would be sufficient for purposes of 

allowing card issuers to recover, 

through late fees, their costs in 

collecting late payments? 

28. Do card issuers incur higher costs 

when collecting late payments where a 

prior late payment occurred in the past 

six billing cycles (repeat late payments) 

relative to the costs of collecting late 

payments where there has not been a 

late payment in the prior six billing 

cycles? Please include any research or 

information relating to whether and to 

what degree the costs associated with 

repeat late payments differ from the 

costs associated with late payments 

where there has not been a late payment 

in the prior six billing cycles. 

29. What potential changes to the safe 

harbor provisions, if any, would cause 

card issuers to no longer use the safe 

harbor provisions in determining the 

amount of late fees? In lieu of using the 

safe harbor provisions, would card 

issuers use the cost analysis in 

§ 1026.52(b)(1)(i) to determine the 

amount of late fees? 

30. Should the Bureau consider any 

alternative approaches to the cost 

analysis in § 1026.52(b)(1)(i) to 

determine the amount of late fees if the 

card issuer decides not to use the safe 

harbor provisions for determining late 

fees amounts? 

J. Cost Analysis Provisions 

31. Are any card issuers currently 

using the cost analysis provisions in 

§ 1026.52(b)(1)(i) to set the amount of 

the late fees they charge? For card 

issuers that are using the cost analysis 

provisions, what is the amount of the 

late fees you charged in 2019, 2020, and 

2021 based on this analysis? 

32. For card issuer commenters, if you 

were to undertake the cost analysis 

described in § 1026.52(b)(1)(i) in 

determining the amount of the late fees 

you could charge, what would the late 

fee amount be? Please provide detailed 

information about the information you 

used to determine this late fee amount. 

33. Would card issuers need 

additional detail on how to comply with 

the cost analysis provisions in 

§ 1026.52(b)(1)(i) beyond what is 

currently provided in the 

commentary? 14 If so, what additional 

details are needed? 

34. If the Bureau were to require card 

issuers to comply with the cost analysis 

provisions in § 1026.52(b)(1)(i) in 

determining the amount of the late fees 

they could charge, what additional 

process and procedures should the 

Bureau adopt, if any, to ensure that card 

issuers comply with these provisions? 

K. Revenue and Expenses 

35. For card issuer commenters, 

please itemize the types of revenue 

associated with your domestic 

consumer credit card operations and 

report overall annual revenue in 2019, 

2020, and 2021 associated with your 

domestic consumer credit card 

operations, including the itemized 

annual income from the following 

categories: 

a. Interest; 

b. Fees; 

c. Interchange revenue; and 

d. Other income. 

36. For card issuer commenters, 

please report revenue from late fees 

collected on your domestic consumer 

credit card accounts in 2019, 2020, and 

2021. Please do not include any fee 

waived or reversed as uncollectible or 

any amount added to a contra-asset 

account for uncollectible fees that the 

bank maintains and reports separately 

from the allowance for loan and lease 

losses. 

37. For card issuer commenters, 

please itemize the types of expenses 

associated with your domestic 

consumer credit card operations and 

report the overall annual expenses 

accrued in 2019, 2020, and 2021 

associated with domestic consumer 

credit card operations, including the 

itemized annual expenses for the 

following categories: 

a. The total interest expenses accrued 

to fund credit card receivables; 

b. The interchange expense fees paid 

to the card associations; 

c. Expenses to collect problem credit 

(including the total collection cost for 

delinquent, recovery, and bankrupt 

accounts); 

d. Marketing expenses (including 

payments to retail partners); and 

e. All other operating and other 

expenses associated with card 

operations such as servicing, cardholder 

billing, processing, interchange, 

processing payments, card issuing, 

authorizations, card administration, and 

outside services/outsourcing expenses, 

etc. 

38. For card issuer commenters, 

please report the dollar amount of losses 

in 2019, 2020, and 2021 for your 

domestic consumer credit card 

portfolios. 

Rohit Chopra, 

Director, Consumer Financial Protection 

Bureau. 

[FR Doc. 2022–13864 Filed 6–28–22; 8:45 am] 

BILLING CODE 4810–AM–P 

DEPARTMENT OF TRANSPORTATION 

Federal Aviation Administration 

14 CFR Part 39 

[Docket No. FAA–2022–0674; Project 

Identifier AD–2021–00373–T] 

RIN 2120–AA64 

Airworthiness Directives; The Boeing 

Company Airplanes 

AGENCY: Federal Aviation 

Administration (FAA), DOT. 

ACTION: Notice of proposed rulemaking 

(NPRM). 

SUMMARY: The FAA proposes to 

supersede Airworthiness Directive (AD) 

2020–24–04, which applies to all The 

Boeing Company Model 787–8, 787–9, 

and 787–10 airplanes. AD 2020–24–04 

requires revising the existing airplane 

flight manual (AFM) to incorporate 


lotter on DSK11XQN23PROD with PROPOSALS1