44612 Federal Register / Vol. 82, No. 184 / Monday, September 25, 2017 / Notices 

the Bureau intends to apply to the data. 

The Bureau intends to continue to 

monitor developments affecting the 

application of the balancing test to the 

HMDA data and may reconsider 

whether and how to modify the HMDA 

data, based on the application of the 

balancing test, in order to ensure the 

appropriate protection of applicant and 

borrower privacy in light of HMDA’s 

purposes. This Policy Guidance is nonbinding in part because flexibility to 

revise the modifications to be applied to 

the public loan-level HMDA data is 

necessary to maintain a proper 

balancing of the privacy risks and 

benefits of disclosure. 

C. Loan-Level HMDA Data To Be 

Disclosed to the Public 

The Bureau intends to publicly 

disclose loan-level HMDA data reported 

pursuant to the 2015 HMDA Rule as 

follows: 

1. Except as provided in paragraphs 2 

through 6 below, the Bureau intends to 

disclose all data as reported, without 

modification. 

2. The Bureau intends to exclude the 

following from the public loan-level 

HMDA data: 

a. Universal loan identifier, collected 

pursuant to 12 CFR 1003.4(a)(1)(i); 

b. The date the application was 

received or the date shown on the 

application form, collected pursuant to 

12 CFR 1003.4(a)(1)(ii); 

c. The date of action taken by the 

financial institution on a covered loan 

or application, collected pursuant to 12 

CFR 1003.4(a)(8)(ii); 

d. The address of the property 

securing the loan or, in the case of an 

application, proposed to secure the 

loan, collected pursuant to 12 CFR 

1003.4(a)(9)(i); 

e. The credit score or scores relied on 

in making the credit decision, collected 

pursuant to 12 CFR 1003.4(a)(15)(i); 

f. The unique identifier assigned by 

the Nationwide Mortgage Licensing 

System and Registry for the mortgage 

loan originator, as defined in Regulation 

G, 12 CFR 1007.102, or Regulation H, 12 

CFR 1008.23, as applicable, collected 

pursuant to 12 CFR 1003.4(a)(34); 

g. The result generated by the 

automated underwriting system used by 

the financial institution to evaluate the 

application, collected pursuant to 12 

CFR 1003.4(a)(35)(i); and 

h. Free-form text fields used to report 

the following data: Applicant or 

borrower race, collected pursuant to 12 

CFR 1003.4(a)(10)(i); applicant or 

borrower ethnicity, collected pursuant 

to 12 CFR 1003.4(a)(10)(i); name and 

version of the credit scoring model used 

to generate each credit score or credit 

scores relied on in making the credit 

decision, collected pursuant to 12 CFR 

1003.4(a)(15)(i); the principal reason or 

reasons the financial institution denied 

the application, if applicable, collected 

pursuant to 12 CFR 1003.4(a)(16); and 

automated underwriting system name, 

collected pursuant to 12 CFR 

1003.4(a)(35)(i). 

3. With respect to the amount of the 

covered loan or the amount applied for, 

collected pursuant to 12 CFR 

1003.4(a)(7), the Bureau intends to: 

a. Disclose the midpoint for the 

$10,000 interval into which the reported 

value falls, e.g., for a reported value of 

$117,834, disclose $115,000 as the 

midpoint between values equal to 

$110,000 and less than $120,000; and 

b. Indicate whether the reported value 

exceeds the applicable dollar amount 

limitation on the original principal 

obligation in effect at the time of 

application or origination as provided 

under 12 U.S.C. 1717(b)(2) and 12 

U.S.C. 1454(a)(2). 

4. With respect to the age of an 

applicant or borrower, collected 

pursuant to 12 CFR 1003.4(a)(10)(ii), the 

Bureau intends to: 

a. Bin reported values into the 

following ranges, as applicable: 25 to 34; 

35 to 44; 45 to 54; 55 to 64; and 65 to 

74; 

b. Bottom-code reported values under 

25; 

c. Top-code reported values over 74; 

and 

d. Indicate whether the reported value 

is 62 or higher. 

5. With respect to the ratio of the 

applicant’s or borrower’s total monthly 

debt to the total monthly income relied 

on in making the credit decision, 

collected pursuant to 12 CFR 

1003.4(a)(23), the Bureau intends to: 

a. Bin reported values into the 

following ranges, as applicable: 20 

percent to less than 30 percent; 30 

percent to less than 40 percent; and 50 

percent to less than 60 percent; 

b. Bottom-code reported values under 

20 percent; 

c. Top-code reported values of 60 

percent or higher; and 

d. Disclose, without modification, 

reported values greater than or equal to 

40 percent and less than 50 percent. 

6. With respect to the value of the 

property securing the covered loan or, 

in the case of an application, proposed 

to secure the covered loan, collected 

pursuant to 12 CFR 1003.4(a)(28), the 

Bureau intends to disclose the midpoint 

for the $10,000 interval into which the 

reported value falls, e.g., for a reported 

value of $117,834, disclose $115,000 as 

the midpoint between values equal to 

$110,000 and less than $120,000. 

Dated: September 8, 2017. 

Richard Cordray, 

Director, Bureau of Consumer Financial 

Protection. 

[FR Doc. 2017–20409 Filed 9–22–17; 8:45 am] 

BILLING CODE 4810–AM–P 

ENVIRONMENTAL PROTECTION 

AGENCY 

[FRL–9966–90–ORD] 

Ambient Air Monitoring Reference and 

Equivalent Methods: Designation of 

Three New Reference Methods 

AGENCY: Environmental Protection 

Agency (EPA). 

ACTION: Notice. 

SUMMARY: Notice is hereby given that 

the Environmental Protection Agency 

(EPA) has designated three new 

reference methods for measuring 

concentrations of PM2.5, PM10, and 

PM10-2.5 in the ambient air. 

FOR FURTHER INFORMATION CONTACT: 

Robert Vanderpool, Exposure Methods 

and Measurement Division (MD–D205– 

03), National Exposure Research 

Laboratory, U.S. EPA, Research Triangle 

Park, North Carolina 27711. Phone: 

919–541–7877. Email: 

Vanderpool.Robert@epa.gov. 

SUPPLEMENTARY INFORMATION: In 

accordance with regulations at 40 CFR 

part 53, the EPA evaluates various 

methods for monitoring the 

concentrations of those ambient air 

pollutants for which EPA has 

established National Ambient Air 

Quality Standards (NAAQSs) as set 

forth in 40 CFR part 50. Monitoring 

methods that are determined to meet 

specific requirements for adequacy are 

designated by the EPA as either 

reference methods or equivalent 

methods (as applicable), thereby 

permitting their use under 40 CFR part 

58 by States and other agencies for 

determining compliance with the 

NAAQSs. 

The EPA hereby announces the 

designation of three new reference 

methods for measuring concentrations 

of PM2.5, PM10, and PM10-2.5 in the 

ambient air. These designations are 

made under the provisions of 40 CFR 

part 53, as amended on August 31, 2011 

(76 FR 54326- 54341). 

The new reference method for PM2.5

is a manual monitoring method based 

on a specific PM2.5 sampler and is 

identified as follows: 

RFPS–0717–245, ‘‘Met One 

Instruments, Inc. E–SEQ–FRM,’’ 

sequential sampler configured for multievent filter sampling of ambient 


asabaliauskas on DSKBBXCHB2PROD with NOTICES
Federal Register / Vol. 82, No. 184 / Monday, September 25, 2017 / Notices 44613 

particulate matter using the U.S. EPA 

PM10 inlet specified in 40 CFR part 50, 

Appendix L, Figs. L–2 thru L–19, 

equipped with either a Mesa 

Laboratories VSCCTM cyclone or WINS 

PM2.5 fractionator, with a flow rate of 

16.67 L/min, using 47 mm PTFE 

membrane filter media, and operating 

with firmware version R1.1.0 and later, 

and operated in accordance with the 

Met One E–SEQ–FRM PM2.5 operating 

manual. This designation applies to 

PM2.5 measurements only. 

The new reference method for PM10 is 

a manual monitoring method based on 

a specific PM10 sampler and is 

identified as follows: 

RFPS–0717–246, ‘‘Met One 

Instruments, Inc. E–SEQ–FRM,’’ 

sequential sampler configured for multievent filter sampling of ambient 

particulate matter using the U.S. EPA 

PM10 inlet specified in 40 CFR part 50, 

Appendix L, Figs. L–2 thru L–19, 

equipped with either a Mesa 

Laboratories VSCCTM cyclone or WINS 

PM2.5 fractionator, with a flow rate of 

16.67 L/min, using 47 mm PTFE 

membrane filter media, and operating 

with firmware version R1.1.0 and later, 

and operated in accordance with the 

Met One E–SEQ–FRM PM10 operating 

manual. This designation applies to 

PM10 measurements only. 

The new PM10-2.5 reference method 

utilizes a pair of filter samplers that 

have been designated individually as 

reference methods, one for PM2.5 and 

the other one for PM10, and have been 

shown to meet the requirements 

specified in appendix O of 40 CFR part 

50. The PM2.5 and PM10 samplers are 

designated as reference methods RFPS– 

0717–245 and RFPS–0717–246, 

respectively. The newly designated 

PM10-2.5 sampler is identified as follows: 

RFPS–0717–247, ‘‘Met One 

Instruments, Inc. E–SEQ–FRM PM10 and 

E–SEQ–FRM PM2.5 Sampler Pair’’ for 

the determination of coarse particulate 

matter as PM10-2.5, consisting of a pair of 

Met One Instruments, Inc. E–SEQ–FRM 

samplers, with one being the E–SEQ– 

FRM PM2.5 sampler (RFPS–0717–245) 

and the other being the E–SEQ–FRM 

PM10 sampler (RFPS–0717–246). The 

units are to be collocated to within 1– 

4 meters of one another and sample 

concurrently. Both units are operated in 

accordance with the associated E–SEQ– 

FRM instruction manual. This 

designation applies to PM10-2.5

measurements only. 

The application for reference method 

determination for the PM2.5 method was 

received by the Office of Research and 

Development on May 17, 2017, the PM10

method application was received on 

June 5, 2017, and the PM10-2.5 method 

was received on July 25, 2017. These 

monitors are commercially available 

from the applicant, Met One 

Instruments, Inc., 1600 Washington 

Blvd., Grants Pass, OR 97526. 

Test monitors representative of these 

methods have been tested in accordance 

with the applicable test procedures 

specified in 40 CFR part 53, as amended 

on August 31, 2011. After reviewing the 

results of those tests and other 

information submitted in the 

applications, EPA has determined, in 

accordance with part 53, that these 

methods should be designated as 

reference methods. The information in 

the applications will be kept on file, 

either at EPA’s National Exposure 

Research Laboratory, Research Triangle 

Park, North Carolina 27711 or in an 

approved archive storage facility, and 

will be available for inspection (with 

advance notice) to the extent consistent 

with 40 CFR part 2 (EPA’s regulations 

implementing the Freedom of 

Information Act). 

As designated reference methods, 

these methods are acceptable for use by 

states and other air monitoring agencies 

under the requirements of 40 CFR part 

58, Ambient Air Quality Surveillance. 

For such purposes, the methods must be 

used in strict accordance with the 

operation or instruction manuals 

associated with the methods and subject 

to any specifications and limitations 

(e.g., configuration or operational 

settings) specified in the applicable 

designated descriptions (see the 

identification of the methods above). 

Use of the methods also should be in 

general accordance with the guidance 

and recommendations of applicable 

sections of the ‘‘Quality Assurance 

Handbook for Air Pollution 

Measurement Systems, Volume I,’’ EPA/ 

600/R–94/038a and ‘‘Quality Assurance 

Handbook for Air Pollution 

Measurement Systems, Volume II, 

Ambient Air Quality Monitoring 

Program’’ EPA–454/B–08–003, 

December, 2008. Provisions concerning 

modification of such methods by users 

are specified under Section 2.8 

(Modifications of Methods by Users) of 

Appendix C to 40 CFR part 58. 

Consistent or repeated noncompliance 

should be reported to: Director, 

Exposure Methods and Measurement 

Division (MD–E205–01), National 

Exposure Research Laboratory, U.S. 

Environmental Protection Agency, 

Research Triangle Park, North Carolina 

27711. 

Designation of these new reference 

methods is intended to assist the States 

in establishing and operating their air 

quality surveillance systems under 40 

CFR part 58. Questions concerning the 

commercial availability or technical 

aspects of the methods should be 

directed to the applicant. 

Dated: August 16, 2017. 

Timothy H. Watkins, 

Deputy Director, National Exposure Research 

Laboratory. 

[FR Doc. 2017–20447 Filed 9–22–17; 8:45 am] 

BILLING CODE 6560–50–P 

ENVIRONMENTAL PROTECTION 

AGENCY 

[9967–91–Region 3] 

Notice of Administrative Settlement 

Agreement Pursuant to the 

Comprehensive Environmental 

Response, Compensation, and Liability 

Act 

AGENCY: Environmental Protection 

Agency (EPA). 

ACTION: Notice; request for public 

comment. 

SUMMARY: In accordance with the 

Comprehensive Environmental 

Response, Compensation, and Liability 

Act (‘‘CERCLA’’), notice is hereby given 

that a proposed administrative 

settlement agreement for recovery of 

response costs (‘‘Proposed Agreement’’) 

associated with the New Jersey 

Fireworks Superfund Site, Elkton, Cecil 

County, Maryland was executed by the 

Environmental Protection Agency 

(‘‘EPA’’) and is now subject to public 

comment, after which EPA may modify 

or withdraw its consent if comments 

received disclose facts or considerations 

that indicate that the Proposed 

Agreement is inappropriate, improper, 

or inadequate. The Proposed Agreement 

would resolve potential EPA claims 

against the Estate of Louis Casale 

(‘‘Settling Party’’). The Proposed 

Agreement would require Settling Party 

to reimburse EPA $50,000 for response 

costs incurred by EPA for the Site. 

For thirty (30) days following the date 

of publication of this notice, EPA will 

receive written comments relating to the 

Proposed Agreement. EPA’s response to 

any comments received will be available 

for public inspection at the U.S. 

Environmental Protection Agency, 

Region III, 1650 Arch Street, 

Philadelphia, PA 19103. 

DATES: Comments must be submitted on 

or before October 25, 2017. 

ADDRESSES: The Proposed Agreement 

and additional background information 

relating to the Proposed Agreement are 

available for public inspection at the 

U.S. Environmental Protection Agency, 

Region III, 1650 Arch Street, 

Philadelphia, PA 19103. A copy of the 


asabaliauskas on DSKBBXCHB2PROD with NOTICES