70512 Federal Register / Vol. 85, No. 215 / Thursday, November 5, 2020 / Proposed Rules
Signing Authority
This document of the Department of
Energy was signed on October 22, 2020,
by Alexander N. Fitzsimmons, Deputy
Assistant Secretary for Energy
Efficiency, Energy Efficiency and
Renewable Energy, pursuant to
delegated authority from the Secretary
of Energy. That document with the
original signature and date is
maintained by DOE. For administrative
purposes only, and in compliance with
requirements of the Office of the Federal
Register, the undersigned DOE Federal
Register Liaison Officer has been
authorized to sign and submit the
document in electronic format for
publication, as an official document of
the Department of Energy. This
administrative process in no way alters
the legal effect of this document upon
publication in the Federal Register.
Signed in Washington, DC, on October 23,
2020.
Treena V. Garrett,
Federal Register Liaison Officer, U.S.
Department of Energy.
[FR Doc. 2020–23817 Filed 11–4–20; 8:45 am]
BILLING CODE 6450–01–P
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
12 CFR Part 4
[Docket No. OCC–2020–0005]
RIN 1557–AE80
FEDERAL RESERVE SYSTEM
12 CFR Part 262
[Docket No. R–1725]
RIN 7100–AF96
FEDERAL DEPOSIT INSURANCE
CORPORATION
12 CFR Part 302
RIN 3064–AF32
NATIONAL CREDIT UNION
ADMINISTRATION
12 CFR Part 791
[Docket No. NCUA–2020–0098]
RIN 3133–AF28
BUREAU OF CONSUMER FINANCIAL
PROTECTION
12 CFR Part 1074
[Docket No. CFPB–2020–0033]
RIN 3710–AB02
Role of Supervisory Guidance
AGENCY: Office of the Comptroller of the
Currency, Treasury (OCC); Board of
Governors of the Federal Reserve
System (Board); Federal Deposit
Insurance Corporation (FDIC); National
Credit Union Administration (NCUA);
and Bureau of Consumer Financial
Protection (Bureau).
ACTION: Notice of proposed rulemaking.
SUMMARY: The OCC, Board, FDIC,
NCUA, and Bureau (collectively, the
agencies) are inviting comment on a
proposed rule that would codify the
Interagency Statement Clarifying the
Role of Supervisory Guidance issued by
the agencies on September 11, 2018
(2018 Statement). By codifying the 2018
Statement, the proposed rule is
intended to confirm that the agencies
will continue to follow and respect the
limits of administrative law in carrying
out their supervisory responsibilities.
The 2018 Statement reiterated well-
established law by stating that, unlike a
law or regulation, supervisory guidance
does not have the force and effect of
law. As such, supervisory guidance does
not create binding legal obligations for
the public. The proposal would also
clarify that the 2018 Statement, as
amended, is binding on the agencies.
DATES: Comments must be received by
January 4, 2021.
ADDRESSES:
OCC: You may submit comments to
the OCC by any of the methods set forth
below. Commenters are encouraged to
submit comments through the Federal
eRulemaking Portal or email, if possible.
Please use the title ‘‘Role of Supervisory
Guidance’’ to facilitate the organization
and distribution of the comments. You
may submit comments by any of the
following methods:
• Federal eRulemaking Portal—
‘‘Regulations.gov’’: Go to
www.regulations.gov. Enter ‘‘Docket ID
OCC–2020–0005’’ in the Search Box and
click ‘‘Search.’’ Click on ‘‘Comment
Now’’ to submit public comments.
• Click on the ‘‘Help’’ tab on the
Regulations.gov home page to get
information on using Regulations.gov,
including instructions for submitting
public comments.
• Email: regs.comments@
occ.treas.gov.
• Mail: Chief Counsel’s Office,
Attention: Comment Processing, Office
of the Comptroller of the Currency, 400
7th Street SW, Suite 3E–218,
Washington, DC 20219.
• Hand Delivery/Courier: 400 7th
Street SW, Suite 3E–218, Washington,
DC 20219.
Instructions: You must include
‘‘OCC’’ as the agency name and ‘‘Docket
ID OCC–2020–0005’’ in your comment.
In general, the OCC will enter all
comments received into the docket and
publish the comments on the
Regulations.gov website without
change, including any business or
personal information that you provide
such as name and address information,
email addresses, or phone numbers.
Comments received, including
attachments and other supporting
materials, are part of the public record
and subject to public disclosure. Do not
include any information in your
comment or supporting materials that
you consider confidential or
inappropriate for public disclosure.
You may review comments and other
related materials that pertain to this
rulemaking action by the following
method:
• Viewing Comments Electronically:
Go to www.regulations.gov. Enter
‘‘Docket ID OCC 2020–0005’’ in the
Search box and click ‘‘Search.’’ Click on
‘‘Open Docket Folder’’ on the right side
of the screen. Comments and supporting
materials can be viewed and filtered by
VerDate Sep<11>2014 18:49 Nov 04, 2020 Jkt 253001 PO 00000 Frm 00011 Fmt 4702 Sfmt 4702 E:\FR\FM\05NOP1.SGM 05NOP1
khammond on DSKJM1Z7X2PROD with PROPOSALS
Signing Authority
This document of the Department of
Energy was signed on October 22, 2020,
by Alexander N. Fitzsimmons, Deputy
Assistant Secretary for Energy
Efficiency, Energy Efficiency and
Renewable Energy, pursuant to
delegated authority from the Secretary
of Energy. That document with the
original signature and date is
maintained by DOE. For administrative
purposes only, and in compliance with
requirements of the Office of the Federal
Register, the undersigned DOE Federal
Register Liaison Officer has been
authorized to sign and submit the
document in electronic format for
publication, as an official document of
the Department of Energy. This
administrative process in no way alters
the legal effect of this document upon
publication in the Federal Register.
Signed in Washington, DC, on October 23,
2020.
Treena V. Garrett,
Federal Register Liaison Officer, U.S.
Department of Energy.
[FR Doc. 2020–23817 Filed 11–4–20; 8:45 am]
BILLING CODE 6450–01–P
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
12 CFR Part 4
[Docket No. OCC–2020–0005]
RIN 1557–AE80
FEDERAL RESERVE SYSTEM
12 CFR Part 262
[Docket No. R–1725]
RIN 7100–AF96
FEDERAL DEPOSIT INSURANCE
CORPORATION
12 CFR Part 302
RIN 3064–AF32
NATIONAL CREDIT UNION
ADMINISTRATION
12 CFR Part 791
[Docket No. NCUA–2020–0098]
RIN 3133–AF28
BUREAU OF CONSUMER FINANCIAL
PROTECTION
12 CFR Part 1074
[Docket No. CFPB–2020–0033]
RIN 3710–AB02
Role of Supervisory Guidance
AGENCY: Office of the Comptroller of the
Currency, Treasury (OCC); Board of
Governors of the Federal Reserve
System (Board); Federal Deposit
Insurance Corporation (FDIC); National
Credit Union Administration (NCUA);
and Bureau of Consumer Financial
Protection (Bureau).
ACTION: Notice of proposed rulemaking.
SUMMARY: The OCC, Board, FDIC,
NCUA, and Bureau (collectively, the
agencies) are inviting comment on a
proposed rule that would codify the
Interagency Statement Clarifying the
Role of Supervisory Guidance issued by
the agencies on September 11, 2018
(2018 Statement). By codifying the 2018
Statement, the proposed rule is
intended to confirm that the agencies
will continue to follow and respect the
limits of administrative law in carrying
out their supervisory responsibilities.
The 2018 Statement reiterated well-
established law by stating that, unlike a
law or regulation, supervisory guidance
does not have the force and effect of
law. As such, supervisory guidance does
not create binding legal obligations for
the public. The proposal would also
clarify that the 2018 Statement, as
amended, is binding on the agencies.
DATES: Comments must be received by
January 4, 2021.
ADDRESSES:
OCC: You may submit comments to
the OCC by any of the methods set forth
below. Commenters are encouraged to
submit comments through the Federal
eRulemaking Portal or email, if possible.
Please use the title ‘‘Role of Supervisory
Guidance’’ to facilitate the organization
and distribution of the comments. You
may submit comments by any of the
following methods:
• Federal eRulemaking Portal—
‘‘Regulations.gov’’: Go to
www.regulations.gov. Enter ‘‘Docket ID
OCC–2020–0005’’ in the Search Box and
click ‘‘Search.’’ Click on ‘‘Comment
Now’’ to submit public comments.
• Click on the ‘‘Help’’ tab on the
Regulations.gov home page to get
information on using Regulations.gov,
including instructions for submitting
public comments.
• Email: regs.comments@
occ.treas.gov.
• Mail: Chief Counsel’s Office,
Attention: Comment Processing, Office
of the Comptroller of the Currency, 400
7th Street SW, Suite 3E–218,
Washington, DC 20219.
• Hand Delivery/Courier: 400 7th
Street SW, Suite 3E–218, Washington,
DC 20219.
Instructions: You must include
‘‘OCC’’ as the agency name and ‘‘Docket
ID OCC–2020–0005’’ in your comment.
In general, the OCC will enter all
comments received into the docket and
publish the comments on the
Regulations.gov website without
change, including any business or
personal information that you provide
such as name and address information,
email addresses, or phone numbers.
Comments received, including
attachments and other supporting
materials, are part of the public record
and subject to public disclosure. Do not
include any information in your
comment or supporting materials that
you consider confidential or
inappropriate for public disclosure.
You may review comments and other
related materials that pertain to this
rulemaking action by the following
method:
• Viewing Comments Electronically:
Go to www.regulations.gov. Enter
‘‘Docket ID OCC 2020–0005’’ in the
Search box and click ‘‘Search.’’ Click on
‘‘Open Docket Folder’’ on the right side
of the screen. Comments and supporting
materials can be viewed and filtered by
VerDate Sep<11>2014 18:49 Nov 04, 2020 Jkt 253001 PO 00000 Frm 00011 Fmt 4702 Sfmt 4702 E:\FR\FM\05NOP1.SGM 05NOP1
khammond on DSKJM1Z7X2PROD with PROPOSALS
70513Federal Register / Vol. 85, No. 215 / Thursday, November 5, 2020 / Proposed Rules
clicking on ‘‘View all documents and
comments in this docket’’ and then
using the filtering tools on the left side
of the screen.
• Click on the ‘‘Help’’ tab on the
Regulations.gov home page to get
information on using Regulations.gov.
The docket may be viewed after the
close of the comment period in the same
manner as during the comment period.
Board: You may submit comments,
identified by Docket No. R–1725 and
RIN No. 7100–AF96, by any of the
following methods:
• Agency Website: http://
www.federalreserve.gov. Follow the
instructions for submitting comments at
http://www.federalreserve.gov/
generalinfo/foia/ProposedRegs.cfm.
• Email: regs.comments@
federalreserve.gov. Include the docket
number in the subject line of the
message.
• Fax: (202) 452–3819 or (202) 452–
3102.
• Mail: Ann Misback, Secretary,
Board of Governors of the Federal
Reserve System, 20th Street and
Constitution Avenue NW, Washington,
DC 20551.
• All public comments will be made
available on the Board’s website at
http://www.federalreserve.gov/
generalinfo/foia/ProposedRegs.cfm as
submitted, unless modified for technical
reasons or to remove personally
identifiable information at the
commenter’s request. Accordingly, your
comments will not be edited to remove
any identifying or contact information.
Public comments may also be viewed
electronically or in paper in Room 146,
1709 New York Avenue NW,
Washington, DC 20006, between 9:00
a.m. and 5:00 p.m. on weekdays.
FDIC: You may submit comments on
the notice of proposed rulemaking using
any of the following methods:
• Agency Website: https://
www.fdic.gov/regulations/laws/federal.
Follow the instructions for submitting
comments on the agency website.
• Email: comments@fdic.gov. Include
RIN 3064–AF32 on the subject line of
the message.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments, Federal
Deposit Insurance Corporation, 550 17th
Street NW, Washington, DC 20429.
• Hand Delivery: Comments may be
hand delivered to the 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.
• Public Inspection: All comments
received, including any personal
information provided, will be posted
generally without change to https://
www.fdic.gov/regulations/laws/federal.
NCUA: You may submit comments to
the NCUA by any of the methods set
forth below. Commenters are
encouraged to submit comments
through the Federal eRulemaking Portal
or email, if possible. Please use the title
‘‘Role of Supervisory Guidance’’ to
facilitate the organization and
distribution of the comments. You may
submit comments by any of the
following methods:
• Federal eRulemaking Portal—
‘‘Regulations.gov’’: Go to
www.regulations.gov. Enter ‘‘Docket ID
NCUA–[2020–0098]’’ in the Search Box
and click ‘‘Search.’’ Click on ‘‘Comment
Now’’ to submit public comments.
• Click on the ‘‘Help’’ tab on the
Regulations.gov home page to get
information on using Regulations.gov,
including instructions for submitting
public comments.
• Mail: Melane Conyers-Ausbrooks,
Secretary of the Board, National Credit
Union Administration, 1775 Duke
Street, Alexandria, VA. 22314.
• Fax: (703) 518–6319. Include
‘‘[Your name]—Comments on Proposed
Rule: Role of Supervisory Guidance’’
with the transmittal.
• Hand Delivery/Courier: Office of
General Counsel, National Credit Union
Administration, 1775 Duke Street,
Alexandria, VA 22314. You must
include ‘‘NCUA’’ as the agency name
and ‘‘Docket ID NCUA–[2020–0098]’’ in
your comment.
In general, the NCUA will enter all
comments received into the docket and
publish the comments on the
Regulations.gov website without
change, including any business or
personal information that you provide
such as name and address information,
email addresses, or phone numbers.
Comments received, including
attachments and other supporting
materials, are part of the public record
and subject to public disclosure. Do not
include any information in your
comment or supporting materials that
you consider confidential or
inappropriate for public disclosure.
You may review comments and other
related materials that pertain to this
rulemaking action by any of the
following methods:
• Viewing Comments Electronically:
Go to www.regulations.gov. Enter
‘‘Docket ID NCUA–[2020–0098]’’ in the
Search box and click ‘‘Search.’’ Click on
‘‘Open Docket Folder’’ on the right side
of the screen. Comments and supporting
materials can be viewed and filtered by
clicking on ‘‘View all documents and
comments in this docket’’ and then
using the filtering tools on the left side
of the screen.
• Click on the ‘‘Help’’ tab on the
Regulations.gov home page to get
information on using Regulations.gov.
The docket may be viewed after the
close of the comment period in the same
manner as during the comment period.
• Due to social distancing measures
in effect, the usual opportunity to
inspect paper copies of comments in the
NCUA’s law library is not currently
available. After social distancing
measures are relaxed, visitors may make
an appointment to review paper copies
by calling (703) 518–6540 or emailing
OGCMail@ncua.gov.
Bureau: You may submit comments,
identified by Docket No. CFPB–2020–
0033 or RIN 3170–AB02, by any of the
following methods:
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• Email: 2020-NPRM-
SupervisoryGuidance@cfpb.gov. Include
Docket No. CFPB–2020–0033 or RIN
3170–AB02 in the subject line of the
email.
• Mail/Hand Delivery/Courier:
Comment Intake, Bureau of Consumer
Financial Protection, 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 should include the agency
name and docket number or Regulatory
Information Number (RIN) for this
rulemaking. Because paper mail in the
Washington, DC area and at the Bureau
is subject to delay and in light of
difficulties associated with mail and
hand deliveries during the COVID–19
pandemic, commenters are encouraged
to submit comments electronically. In
general, all comments received will be
posted without change to http://
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
10:00 a.m. and 5:00 p.m. Eastern Time.
At that time, you can make an
appointment to inspect the documents
by telephoning 202–435–9169.
All comments, including attachments
and other supporting materials, will
become part of the public record and
subject to public disclosure. Proprietary
or sensitive personal information, such
as account numbers, Social Security
numbers, or names of other individuals,
should not be included. Comments will
VerDate Sep<11>2014 18:49 Nov 04, 2020 Jkt 253001 PO 00000 Frm 00012 Fmt 4702 Sfmt 4702 E:\FR\FM\05NOP1.SGM 05NOP1
khammond on DSKJM1Z7X2PROD with PROPOSALS
clicking on ‘‘View all documents and
comments in this docket’’ and then
using the filtering tools on the left side
of the screen.
• Click on the ‘‘Help’’ tab on the
Regulations.gov home page to get
information on using Regulations.gov.
The docket may be viewed after the
close of the comment period in the same
manner as during the comment period.
Board: You may submit comments,
identified by Docket No. R–1725 and
RIN No. 7100–AF96, by any of the
following methods:
• Agency Website: http://
www.federalreserve.gov. Follow the
instructions for submitting comments at
http://www.federalreserve.gov/
generalinfo/foia/ProposedRegs.cfm.
• Email: regs.comments@
federalreserve.gov. Include the docket
number in the subject line of the
message.
• Fax: (202) 452–3819 or (202) 452–
3102.
• Mail: Ann Misback, Secretary,
Board of Governors of the Federal
Reserve System, 20th Street and
Constitution Avenue NW, Washington,
DC 20551.
• All public comments will be made
available on the Board’s website at
http://www.federalreserve.gov/
generalinfo/foia/ProposedRegs.cfm as
submitted, unless modified for technical
reasons or to remove personally
identifiable information at the
commenter’s request. Accordingly, your
comments will not be edited to remove
any identifying or contact information.
Public comments may also be viewed
electronically or in paper in Room 146,
1709 New York Avenue NW,
Washington, DC 20006, between 9:00
a.m. and 5:00 p.m. on weekdays.
FDIC: You may submit comments on
the notice of proposed rulemaking using
any of the following methods:
• Agency Website: https://
www.fdic.gov/regulations/laws/federal.
Follow the instructions for submitting
comments on the agency website.
• Email: comments@fdic.gov. Include
RIN 3064–AF32 on the subject line of
the message.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments, Federal
Deposit Insurance Corporation, 550 17th
Street NW, Washington, DC 20429.
• Hand Delivery: Comments may be
hand delivered to the 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.
• Public Inspection: All comments
received, including any personal
information provided, will be posted
generally without change to https://
www.fdic.gov/regulations/laws/federal.
NCUA: You may submit comments to
the NCUA by any of the methods set
forth below. Commenters are
encouraged to submit comments
through the Federal eRulemaking Portal
or email, if possible. Please use the title
‘‘Role of Supervisory Guidance’’ to
facilitate the organization and
distribution of the comments. You may
submit comments by any of the
following methods:
• Federal eRulemaking Portal—
‘‘Regulations.gov’’: Go to
www.regulations.gov. Enter ‘‘Docket ID
NCUA–[2020–0098]’’ in the Search Box
and click ‘‘Search.’’ Click on ‘‘Comment
Now’’ to submit public comments.
• Click on the ‘‘Help’’ tab on the
Regulations.gov home page to get
information on using Regulations.gov,
including instructions for submitting
public comments.
• Mail: Melane Conyers-Ausbrooks,
Secretary of the Board, National Credit
Union Administration, 1775 Duke
Street, Alexandria, VA. 22314.
• Fax: (703) 518–6319. Include
‘‘[Your name]—Comments on Proposed
Rule: Role of Supervisory Guidance’’
with the transmittal.
• Hand Delivery/Courier: Office of
General Counsel, National Credit Union
Administration, 1775 Duke Street,
Alexandria, VA 22314. You must
include ‘‘NCUA’’ as the agency name
and ‘‘Docket ID NCUA–[2020–0098]’’ in
your comment.
In general, the NCUA will enter all
comments received into the docket and
publish the comments on the
Regulations.gov website without
change, including any business or
personal information that you provide
such as name and address information,
email addresses, or phone numbers.
Comments received, including
attachments and other supporting
materials, are part of the public record
and subject to public disclosure. Do not
include any information in your
comment or supporting materials that
you consider confidential or
inappropriate for public disclosure.
You may review comments and other
related materials that pertain to this
rulemaking action by any of the
following methods:
• Viewing Comments Electronically:
Go to www.regulations.gov. Enter
‘‘Docket ID NCUA–[2020–0098]’’ in the
Search box and click ‘‘Search.’’ Click on
‘‘Open Docket Folder’’ on the right side
of the screen. Comments and supporting
materials can be viewed and filtered by
clicking on ‘‘View all documents and
comments in this docket’’ and then
using the filtering tools on the left side
of the screen.
• Click on the ‘‘Help’’ tab on the
Regulations.gov home page to get
information on using Regulations.gov.
The docket may be viewed after the
close of the comment period in the same
manner as during the comment period.
• Due to social distancing measures
in effect, the usual opportunity to
inspect paper copies of comments in the
NCUA’s law library is not currently
available. After social distancing
measures are relaxed, visitors may make
an appointment to review paper copies
by calling (703) 518–6540 or emailing
OGCMail@ncua.gov.
Bureau: You may submit comments,
identified by Docket No. CFPB–2020–
0033 or RIN 3170–AB02, by any of the
following methods:
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• Email: 2020-NPRM-
SupervisoryGuidance@cfpb.gov. Include
Docket No. CFPB–2020–0033 or RIN
3170–AB02 in the subject line of the
email.
• Mail/Hand Delivery/Courier:
Comment Intake, Bureau of Consumer
Financial Protection, 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 should include the agency
name and docket number or Regulatory
Information Number (RIN) for this
rulemaking. Because paper mail in the
Washington, DC area and at the Bureau
is subject to delay and in light of
difficulties associated with mail and
hand deliveries during the COVID–19
pandemic, commenters are encouraged
to submit comments electronically. In
general, all comments received will be
posted without change to http://
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
10:00 a.m. and 5:00 p.m. Eastern Time.
At that time, you can make an
appointment to inspect the documents
by telephoning 202–435–9169.
All comments, including attachments
and other supporting materials, will
become part of the public record and
subject to public disclosure. Proprietary
or sensitive personal information, such
as account numbers, Social Security
numbers, or names of other individuals,
should not be included. Comments will
VerDate Sep<11>2014 18:49 Nov 04, 2020 Jkt 253001 PO 00000 Frm 00012 Fmt 4702 Sfmt 4702 E:\FR\FM\05NOP1.SGM 05NOP1
khammond on DSKJM1Z7X2PROD with PROPOSALS