79724 Federal Register / Vol. 80, No. 246 / Wednesday, December 23, 2015 / Proposed Rules
§ 1217.8 Statute of Limitations.
The statute of limitations for
commencing a hearing under this part
shall be tolled:
(a) If the hearing is commenced in
accordance with 31 U.S.C. 3803(d)(2)(B)
within 6 years after the date on which
the claim or statement is made; or
(b) If the parties agree to such tolling.
§ 1217.9 Hearings.
(a) General. Hearings under this part
shall be conducted in accordance with
the procedures in subpart B of part 1209
of this chapter, governing actions in
accordance with subchapter II of
chapter 5, U.S.C. (commonly known as
the Administrative Procedure Act).
(b) Factors to consider in determining
amount of penalties and assessments. In
determining an appropriate amount of
any civil penalty and, if appropriate,
any assessment, the presiding officer
and, upon appeal, the Director or
designee thereof, shall consider and
state in his or her opinion any
mitigating or aggravating circumstances.
The amount of penalties and
assessments imposed shall be based on
the presiding officer’s and the Director’s
or designee’s consideration of evidence
in support of one or more of the
following factors:
(1) The number of false, fictitious, or
fraudulent claims or statements;
(2) The time period over which such
claims or statements were made;
(3) The degree of the respondent’s
culpability with respect to the
misconduct;
(4) The amount of money or the value
of the property, services, or benefit
falsely claimed;
(5) The value of the actual loss to
FHFA as a result of the misconduct,
including foreseeable consequential
damages and the cost of investigation;
(6) The relationship of the civil
penalties to the amount of the loss to
FHFA;
(7) The potential or actual impact of
the misconduct upon public health or
safety or public confidence in the
management of FHFA programs and
operations, including particularly the
impact on the intended beneficiaries of
such programs;
(8) Whether the respondent has
engaged in a pattern of the same or
similar misconduct;
(9) Whether the respondent attempted
to conceal the misconduct;
(10) The degree to which the
respondent has involved others in the
misconduct or in concealing it;
(11) If the misconduct of employees or
agents is imputed to the respondent, the
extent to which the respondent’s
practices fostered or attempted to
preclude the misconduct;
(12) Whether the respondent
cooperated in or obstructed an
investigation of the misconduct;
(13) Whether the respondent assisted
in identifying and prosecuting other
wrongdoers;
(14) The complexity of the program or
transaction, and the degree of the
respondent’s sophistication with respect
to it, including the extent of the
respondent’s prior participation in the
program or in similar transactions;
(15) Whether the respondent has been
found, in any criminal, civil, or
administrative proceeding, to have
engaged in similar misconduct or to
have dealt dishonestly with the
Government of the United States or of
a State, directly or indirectly;
(16) The need to deter the respondent
and others from engaging in the same or
similar misconduct;
(17) The respondent’s ability to pay;
and
(18) Any other factors that in any
given case may mitigate or aggravate the
seriousness of the false claim or
statement.
(c) Stays ordered by the Department
of Justice. If at any time the Attorney
General or an Assistant Attorney
General designated by the Attorney
General notifies the Director in writing
that continuation of FHFA’s action may
adversely affect any pending or
potential criminal or civil action related
to the claim or statement at issue, the
presiding officer or the Director shall
stay the FHFA action immediately. The
FHFA action may be resumed only upon
receipt of the written authorization of
the Attorney General.
§ 1217.10 Settlements.
(a) General. The reviewing official, on
behalf of FHFA, and the respondent
may enter into a settlement agreement
under § 1209.20 of this chapter at any
time prior to the issuing of a notice of
final decision under § 1209.55 of this
chapter.
(b) Failure to comply. Failure of the
respondent to comply with a settlement
agreement shall be sufficient cause for
resuming an action under this part, or
for any other judicial or administrative
action.
Dated: December 16, 2015.
Melvin L. Watt,
Director, Federal Housing Finance Agency.
[FR Doc. 2015–32182 Filed 12–22–15; 8:45 am]
BILLING CODE 8070–01–P
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
12 CFR Chapter I
[Docket ID FFIEC–2014–0001]
FEDERAL RESERVE SYSTEM
12 CFR Chapter II
[Docket No. R–1510]
FEDERAL DEPOSIT INSURANCE
CORPORATION
12 CFR Chapter III
Regulatory Publication and Review
Under the Economic Growth and
Regulatory Paperwork Reduction Act
of 1996
AGENCY: Office of the Comptroller of the
Currency (‘‘OCC’’), Treasury; Board of
Governors of the Federal Reserve
System (‘‘Board’’); and Federal Deposit
Insurance Corporation (‘‘FDIC’’).
ACTION: Notice of regulatory review;
request for comments.
SUMMARY: The OCC, Board, and FDIC
(each an ‘‘Agency’’; together ‘‘we’’ or
‘‘Agencies’’) are conducting a review of
the regulations we have issued in order
to identify outdated or otherwise
unnecessary regulatory requirements
imposed on insured depository
institutions, as required by the
Economic Growth and Regulatory
Paperwork Reduction Act of 1996
(EGRPRA). EGRPRA requires the
Agencies to organize the regulations
into categories and publish groups of
categories for comment. In this notice,
the Agencies are seeking public
comment on regulations in the
following categories: Rules of
Procedure; Safety and Soundness; and
Securities. We have listed these rules on
a chart included with this notice.
In addition, as we previously
announced, the Agencies have
expanded the scope of the EGRPRA
review to include the Agencies’ recently
issued final rules. Accordingly, in this
notice, the Agencies invite the public to
comment on any Agency final rule not
included in a previous EGRPRA Federal
Register notice. To facilitate
identification of these recently issued
rules, we have included with this notice
a separate chart that lists these rules.
Finally, in order to be as inclusive as
possible, the Agencies also invite
comment during the comment period
for this notice on any Agency rule that
is issued in final form on or before
December 31, 2015. We will list these
VerDate Sep<11>2014 17:28 Dec 22, 2015 Jkt 238001 PO 00000 Frm 00006 Fmt 4702 Sfmt 4702 E:\FR\FM\23DEP1.SGM 23DEP1
asabaliauskas on DSK5VPTVN1PROD with PROPOSALS
§ 1217.8 Statute of Limitations.
The statute of limitations for
commencing a hearing under this part
shall be tolled:
(a) If the hearing is commenced in
accordance with 31 U.S.C. 3803(d)(2)(B)
within 6 years after the date on which
the claim or statement is made; or
(b) If the parties agree to such tolling.
§ 1217.9 Hearings.
(a) General. Hearings under this part
shall be conducted in accordance with
the procedures in subpart B of part 1209
of this chapter, governing actions in
accordance with subchapter II of
chapter 5, U.S.C. (commonly known as
the Administrative Procedure Act).
(b) Factors to consider in determining
amount of penalties and assessments. In
determining an appropriate amount of
any civil penalty and, if appropriate,
any assessment, the presiding officer
and, upon appeal, the Director or
designee thereof, shall consider and
state in his or her opinion any
mitigating or aggravating circumstances.
The amount of penalties and
assessments imposed shall be based on
the presiding officer’s and the Director’s
or designee’s consideration of evidence
in support of one or more of the
following factors:
(1) The number of false, fictitious, or
fraudulent claims or statements;
(2) The time period over which such
claims or statements were made;
(3) The degree of the respondent’s
culpability with respect to the
misconduct;
(4) The amount of money or the value
of the property, services, or benefit
falsely claimed;
(5) The value of the actual loss to
FHFA as a result of the misconduct,
including foreseeable consequential
damages and the cost of investigation;
(6) The relationship of the civil
penalties to the amount of the loss to
FHFA;
(7) The potential or actual impact of
the misconduct upon public health or
safety or public confidence in the
management of FHFA programs and
operations, including particularly the
impact on the intended beneficiaries of
such programs;
(8) Whether the respondent has
engaged in a pattern of the same or
similar misconduct;
(9) Whether the respondent attempted
to conceal the misconduct;
(10) The degree to which the
respondent has involved others in the
misconduct or in concealing it;
(11) If the misconduct of employees or
agents is imputed to the respondent, the
extent to which the respondent’s
practices fostered or attempted to
preclude the misconduct;
(12) Whether the respondent
cooperated in or obstructed an
investigation of the misconduct;
(13) Whether the respondent assisted
in identifying and prosecuting other
wrongdoers;
(14) The complexity of the program or
transaction, and the degree of the
respondent’s sophistication with respect
to it, including the extent of the
respondent’s prior participation in the
program or in similar transactions;
(15) Whether the respondent has been
found, in any criminal, civil, or
administrative proceeding, to have
engaged in similar misconduct or to
have dealt dishonestly with the
Government of the United States or of
a State, directly or indirectly;
(16) The need to deter the respondent
and others from engaging in the same or
similar misconduct;
(17) The respondent’s ability to pay;
and
(18) Any other factors that in any
given case may mitigate or aggravate the
seriousness of the false claim or
statement.
(c) Stays ordered by the Department
of Justice. If at any time the Attorney
General or an Assistant Attorney
General designated by the Attorney
General notifies the Director in writing
that continuation of FHFA’s action may
adversely affect any pending or
potential criminal or civil action related
to the claim or statement at issue, the
presiding officer or the Director shall
stay the FHFA action immediately. The
FHFA action may be resumed only upon
receipt of the written authorization of
the Attorney General.
§ 1217.10 Settlements.
(a) General. The reviewing official, on
behalf of FHFA, and the respondent
may enter into a settlement agreement
under § 1209.20 of this chapter at any
time prior to the issuing of a notice of
final decision under § 1209.55 of this
chapter.
(b) Failure to comply. Failure of the
respondent to comply with a settlement
agreement shall be sufficient cause for
resuming an action under this part, or
for any other judicial or administrative
action.
Dated: December 16, 2015.
Melvin L. Watt,
Director, Federal Housing Finance Agency.
[FR Doc. 2015–32182 Filed 12–22–15; 8:45 am]
BILLING CODE 8070–01–P
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
12 CFR Chapter I
[Docket ID FFIEC–2014–0001]
FEDERAL RESERVE SYSTEM
12 CFR Chapter II
[Docket No. R–1510]
FEDERAL DEPOSIT INSURANCE
CORPORATION
12 CFR Chapter III
Regulatory Publication and Review
Under the Economic Growth and
Regulatory Paperwork Reduction Act
of 1996
AGENCY: Office of the Comptroller of the
Currency (‘‘OCC’’), Treasury; Board of
Governors of the Federal Reserve
System (‘‘Board’’); and Federal Deposit
Insurance Corporation (‘‘FDIC’’).
ACTION: Notice of regulatory review;
request for comments.
SUMMARY: The OCC, Board, and FDIC
(each an ‘‘Agency’’; together ‘‘we’’ or
‘‘Agencies’’) are conducting a review of
the regulations we have issued in order
to identify outdated or otherwise
unnecessary regulatory requirements
imposed on insured depository
institutions, as required by the
Economic Growth and Regulatory
Paperwork Reduction Act of 1996
(EGRPRA). EGRPRA requires the
Agencies to organize the regulations
into categories and publish groups of
categories for comment. In this notice,
the Agencies are seeking public
comment on regulations in the
following categories: Rules of
Procedure; Safety and Soundness; and
Securities. We have listed these rules on
a chart included with this notice.
In addition, as we previously
announced, the Agencies have
expanded the scope of the EGRPRA
review to include the Agencies’ recently
issued final rules. Accordingly, in this
notice, the Agencies invite the public to
comment on any Agency final rule not
included in a previous EGRPRA Federal
Register notice. To facilitate
identification of these recently issued
rules, we have included with this notice
a separate chart that lists these rules.
Finally, in order to be as inclusive as
possible, the Agencies also invite
comment during the comment period
for this notice on any Agency rule that
is issued in final form on or before
December 31, 2015. We will list these
VerDate Sep<11>2014 17:28 Dec 22, 2015 Jkt 238001 PO 00000 Frm 00006 Fmt 4702 Sfmt 4702 E:\FR\FM\23DEP1.SGM 23DEP1
asabaliauskas on DSK5VPTVN1PROD with PROPOSALS
79725Federal Register / Vol. 80, No. 246 / Wednesday, December 23, 2015 / Proposed Rules
1 Public Law 104–208 (1996), codified at 12
U.S.C. 3311.
rules on the EGRPRA Web site, http://
egrpra.ffiec.gov/. The public may also
comment on any other Agency rule,
including rules covered by the three
prior notices during the open comment
period for this notice.
DATES: Written comments must be
received by no later than March 22,
2016.
ADDRESSES: Any interested individual
may submit comments through the
EGRPRA Web site during open
comment periods at: http://
egrpra.ffiec.gov/submit-comment/
submit-comment-index.html. On this
site, click ‘‘Submit a Comment’’ and
follow the instructions. Alternatively,
comments also may be submitted
through the Federal eRulemaking Portal
‘‘Regulations.gov’’ at: http://
www.regulations.gov. Enter ‘‘Docket ID
FFIEC–2014–0001’’ in the Search Box,
click ‘‘Search,’’ and click ‘‘Comment
Now.’’ Those who wish to submit their
comments by an alternate means may do
so as indicated by each Agency below.
OCC
The OCC encourages commenters to
submit comments through the Federal
eRulemaking Portal, Regulations.gov, in
accordance with the previous
paragraph. Alternatively, comments
may be emailed to
regs.comments@occ.treas.gov or sent by
mail to Legislative and Regulatory
Activities Division, Office of the
Comptroller of the Currency, Mail Stop
9W–11, 400 7th Street SW., Washington,
DC 20219. Comments also may be faxed
to (571) 465–4326 or hand delivered or
sent by courier to 400 7th Street SW.,
Washington, DC 20219. For comments
submitted by any means other than
Regulations.gov, you must include
‘‘OCC’’ as the Agency name and ‘‘Docket
ID FFIEC–2014–0001’’ in your
comment.
In general, the OCC will enter all
comments received into the docket and
publish them without change on
Regulations.gov. Comments received,
including attachments and other
supporting materials, as well as any
business or personal information you
provide, such as your name and
address, email address, or phone
number, are part of the public record
and subject to public disclosure.
Therefore, please do not include any
information with your comment or
supporting materials that you consider
confidential or inappropriate for public
disclosure.
You may inspect and photocopy in
person all comments received by the
OCC at 400 7th Street SW., Washington,
DC 20219. For security reasons, the OCC
requires that visitors make an
appointment to inspect or photocopy
comments. You may make an
appointment by calling (202) 649–6700
or, for persons who are deaf or hard of
hearing, TTY (202) 649–5597. Upon
arrival, visitors will be required to
present valid government-issued photo
identification and submit to a security
screening.
Board
The Board encourages commenters to
submit comments regarding the Board’s
regulations by any of the following
methods:
• Agency Web site: http://
www.federalreserve.gov/apps/foia/
proposedregs.aspx. Follow the
instructions for submitting comments
on the Agency Web site.
• Federal eRulemaking Portal, in
accordance with the directions above.
• Email:
regs.comments@federalreserve.gov.
Include ‘‘EGRPRA’’ and Docket No. R–
1510 in the subject line of the message.
• FAX: (202) 452–3819.
• Mail: Robert deV. Frierson,
Secretary, Board of Governors of the
Federal Reserve System, 20th Street and
Constitution Avenue NW., Washington,
DC 20551.
In general, the Board will enter all
comments received into the docket and
publish them without change on the
Board’s public Web site
www.federalreserve.gov;
Regulations.gov; and http://
egrpra.ffiec.gov. Comments received,
including attachments and other
supporting materials, as well as any
business or personal information you
provide, such as your name and
address, email address, or phone
number, are part of the public record
and subject to public disclosure.
Therefore, please do not enclose any
information with your comment or
supporting materials that you consider
confidential or inappropriate for public
disclosure.
You may inspect and photocopy in
person all comments received by the
Board in Room 3515, 1801 K Street
NW., (between 18th and 19th Street
NW.,) Washington, DC 20006, between
9:00 a.m. and 5:00 p.m. on weekdays.
For security reasons, the Board requires
that visitors make an appointment to
inspect comments. You may make an
appointment by calling (202) 452–3000.
Upon arrival, visitors will be required to
present valid government-issued photo
identification and submit to a security
screening.
FDIC
The FDIC encourages commenters to
submit comments through the Federal
eRulemaking Portal, ‘‘Regulations.gov,’’
in accordance with the directions above.
Alternatively, you may submit
comments by any of the following
methods:
• Agency Web site: http://
www.fdic.gov/regulations/laws/federal.
Follow instructions for submitting
comments on the Agency Web site.
• Email: Comments@FDIC.gov.
Include ‘‘EGRPRA’’ in the subject line of
the message.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments, Federal
Deposit Insurance Corporation, 550 17th
Street NW., Washington, DC 20429.
• Hand Delivery/Courier: Guard
station at the rear of the 550 17th Street
Building (located on F Street) on
business days between 7:00 a.m. and
5:00 p.m. (EDT).
The FDIC will post all comments
received to http://www.fdic.gov/
regulations/laws/federal without
change, including any personal
information provided. Comments may
be inspected and photocopied in the
FDIC Public Information Center, 3501
North Fairfax Drive, Room E–1002,
Arlington, VA 22226, between 9:00 a.m.
and 5:00 p.m. (EDT) on business days.
Paper copies of public comments may
be ordered from the Public Information
Center by calling (877) 275–3342.
FOR FURTHER INFORMATION CONTACT:
OCC: Karen McSweeney, Counsel (202)
649–6295; Heidi M. Thomas, Special
Counsel (202) 649–5490; Rima
Kundnani, Attorney (202) 649–5545; for
persons who are deaf or hard of hearing,
TTY (202) 649–5597.
Board: Claudia Von Pervieux, Counsel
(202) 452–2552; Brian Phillips, Attorney
(202) 452–3321; for persons who are
deaf or hard of hearing, TTY (202) 263–
4869.
FDIC: Ruth R. Amberg, Assistant
General Counsel (202) 898–3736; Ann
Taylor, Supervisory Counsel (202) 898–
3573; for persons who are deaf or hard
of hearing, TTY 1–800–925–4618.
SUPPLEMENTARY INFORMATION:
I. Introduction
Section 2222 of EGRPRA 1 requires
that, not less frequently than once every
10 years, the Federal Financial
Institutions Examination Council
VerDate Sep<11>2014 17:28 Dec 22, 2015 Jkt 238001 PO 00000 Frm 00007 Fmt 4702 Sfmt 4702 E:\FR\FM\23DEP1.SGM 23DEP1
asabaliauskas on DSK5VPTVN1PROD with PROPOSALS
1 Public Law 104–208 (1996), codified at 12
U.S.C. 3311.
rules on the EGRPRA Web site, http://
egrpra.ffiec.gov/. The public may also
comment on any other Agency rule,
including rules covered by the three
prior notices during the open comment
period for this notice.
DATES: Written comments must be
received by no later than March 22,
2016.
ADDRESSES: Any interested individual
may submit comments through the
EGRPRA Web site during open
comment periods at: http://
egrpra.ffiec.gov/submit-comment/
submit-comment-index.html. On this
site, click ‘‘Submit a Comment’’ and
follow the instructions. Alternatively,
comments also may be submitted
through the Federal eRulemaking Portal
‘‘Regulations.gov’’ at: http://
www.regulations.gov. Enter ‘‘Docket ID
FFIEC–2014–0001’’ in the Search Box,
click ‘‘Search,’’ and click ‘‘Comment
Now.’’ Those who wish to submit their
comments by an alternate means may do
so as indicated by each Agency below.
OCC
The OCC encourages commenters to
submit comments through the Federal
eRulemaking Portal, Regulations.gov, in
accordance with the previous
paragraph. Alternatively, comments
may be emailed to
regs.comments@occ.treas.gov or sent by
mail to Legislative and Regulatory
Activities Division, Office of the
Comptroller of the Currency, Mail Stop
9W–11, 400 7th Street SW., Washington,
DC 20219. Comments also may be faxed
to (571) 465–4326 or hand delivered or
sent by courier to 400 7th Street SW.,
Washington, DC 20219. For comments
submitted by any means other than
Regulations.gov, you must include
‘‘OCC’’ as the Agency name and ‘‘Docket
ID FFIEC–2014–0001’’ in your
comment.
In general, the OCC will enter all
comments received into the docket and
publish them without change on
Regulations.gov. Comments received,
including attachments and other
supporting materials, as well as any
business or personal information you
provide, such as your name and
address, email address, or phone
number, are part of the public record
and subject to public disclosure.
Therefore, please do not include any
information with your comment or
supporting materials that you consider
confidential or inappropriate for public
disclosure.
You may inspect and photocopy in
person all comments received by the
OCC at 400 7th Street SW., Washington,
DC 20219. For security reasons, the OCC
requires that visitors make an
appointment to inspect or photocopy
comments. You may make an
appointment by calling (202) 649–6700
or, for persons who are deaf or hard of
hearing, TTY (202) 649–5597. Upon
arrival, visitors will be required to
present valid government-issued photo
identification and submit to a security
screening.
Board
The Board encourages commenters to
submit comments regarding the Board’s
regulations by any of the following
methods:
• Agency Web site: http://
www.federalreserve.gov/apps/foia/
proposedregs.aspx. Follow the
instructions for submitting comments
on the Agency Web site.
• Federal eRulemaking Portal, in
accordance with the directions above.
• Email:
regs.comments@federalreserve.gov.
Include ‘‘EGRPRA’’ and Docket No. R–
1510 in the subject line of the message.
• FAX: (202) 452–3819.
• Mail: Robert deV. Frierson,
Secretary, Board of Governors of the
Federal Reserve System, 20th Street and
Constitution Avenue NW., Washington,
DC 20551.
In general, the Board will enter all
comments received into the docket and
publish them without change on the
Board’s public Web site
www.federalreserve.gov;
Regulations.gov; and http://
egrpra.ffiec.gov. Comments received,
including attachments and other
supporting materials, as well as any
business or personal information you
provide, such as your name and
address, email address, or phone
number, are part of the public record
and subject to public disclosure.
Therefore, please do not enclose any
information with your comment or
supporting materials that you consider
confidential or inappropriate for public
disclosure.
You may inspect and photocopy in
person all comments received by the
Board in Room 3515, 1801 K Street
NW., (between 18th and 19th Street
NW.,) Washington, DC 20006, between
9:00 a.m. and 5:00 p.m. on weekdays.
For security reasons, the Board requires
that visitors make an appointment to
inspect comments. You may make an
appointment by calling (202) 452–3000.
Upon arrival, visitors will be required to
present valid government-issued photo
identification and submit to a security
screening.
FDIC
The FDIC encourages commenters to
submit comments through the Federal
eRulemaking Portal, ‘‘Regulations.gov,’’
in accordance with the directions above.
Alternatively, you may submit
comments by any of the following
methods:
• Agency Web site: http://
www.fdic.gov/regulations/laws/federal.
Follow instructions for submitting
comments on the Agency Web site.
• Email: Comments@FDIC.gov.
Include ‘‘EGRPRA’’ in the subject line of
the message.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments, Federal
Deposit Insurance Corporation, 550 17th
Street NW., Washington, DC 20429.
• Hand Delivery/Courier: Guard
station at the rear of the 550 17th Street
Building (located on F Street) on
business days between 7:00 a.m. and
5:00 p.m. (EDT).
The FDIC will post all comments
received to http://www.fdic.gov/
regulations/laws/federal without
change, including any personal
information provided. Comments may
be inspected and photocopied in the
FDIC Public Information Center, 3501
North Fairfax Drive, Room E–1002,
Arlington, VA 22226, between 9:00 a.m.
and 5:00 p.m. (EDT) on business days.
Paper copies of public comments may
be ordered from the Public Information
Center by calling (877) 275–3342.
FOR FURTHER INFORMATION CONTACT:
OCC: Karen McSweeney, Counsel (202)
649–6295; Heidi M. Thomas, Special
Counsel (202) 649–5490; Rima
Kundnani, Attorney (202) 649–5545; for
persons who are deaf or hard of hearing,
TTY (202) 649–5597.
Board: Claudia Von Pervieux, Counsel
(202) 452–2552; Brian Phillips, Attorney
(202) 452–3321; for persons who are
deaf or hard of hearing, TTY (202) 263–
4869.
FDIC: Ruth R. Amberg, Assistant
General Counsel (202) 898–3736; Ann
Taylor, Supervisory Counsel (202) 898–
3573; for persons who are deaf or hard
of hearing, TTY 1–800–925–4618.
SUPPLEMENTARY INFORMATION:
I. Introduction
Section 2222 of EGRPRA 1 requires
that, not less frequently than once every
10 years, the Federal Financial
Institutions Examination Council
VerDate Sep<11>2014 17:28 Dec 22, 2015 Jkt 238001 PO 00000 Frm 00007 Fmt 4702 Sfmt 4702 E:\FR\FM\23DEP1.SGM 23DEP1
asabaliauskas on DSK5VPTVN1PROD with PROPOSALS