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
7980
Vol. 80, No. 30
Friday, February 13, 2015
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
(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in order to identify outdated or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). In this notice, the Agencies
are seeking public comment on
regulations in the following categories:
Banking Operations, Capital, and the
Community Reinvestment Act.
DATES: Written comments must be
received by no later than May 14, 2015.
ADDRESSES: Comments may be
submitted through the Federal
eRulemaking Portal: ‘‘Regulations.gov.’’
You can reach this portal through the
Agencies’ EGRPRA Web site, http://
egrpra.ffiec.gov. On this site, click
‘‘Submit a Comment’’ and follow the
instructions. Alternatively, go to http://
www.regulations.gov, enter ‘‘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 below.
OCC:
We encourage 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.
Upon arrival, visitors will be required to
present valid government-issued photo
identification and submit to a security
screening.
Board
We encourage 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
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 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 at 20th and Constitution Avenue
NW., Washington, DC 20551. 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
We encourage 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
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wreier-aviles on DSK5TPTVN1PROD with PROPOSALS
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
7980
Vol. 80, No. 30
Friday, February 13, 2015
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
(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). In this notice, the Agencies
are seeking public comment on
regulations in the following categories:
Banking Operations, Capital, and the
Community Reinvestment Act.
DATES: Written comments must be
received by no later than May 14, 2015.
ADDRESSES: Comments may be
submitted through the Federal
eRulemaking Portal: ‘‘Regulations.gov.’’
You can reach this portal through the
Agencies’ EGRPRA Web site, http://
egrpra.ffiec.gov. On this site, click
‘‘Submit a Comment’’ and follow the
instructions. Alternatively, go to http://
www.regulations.gov, enter ‘‘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 below.
OCC:
We encourage 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.
Upon arrival, visitors will be required to
present valid government-issued photo
identification and submit to a security
screening.
Board
We encourage 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
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 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 at 20th and Constitution Avenue
NW., Washington, DC 20551. 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
We encourage 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
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wreier-aviles on DSK5TPTVN1PROD with PROPOSALS
7981Federal Register / Vol. 80, No. 30 / Friday, February 13, 2015 / Proposed Rules
1 Public Law 104–208 (1996), codified at 12
U.S.C. 3311.
2 The FFIEC is an interagency body empowered
to prescribe uniform principles, standards, and
report forms for the Federal examination of
financial institutions and to make recommendations
to promote uniformity in the supervision of
financial institutions. The FFIEC does not issue
regulations that impose burden on financial
institutions and, therefore, we have not separately
captioned the FFIEC in this notice.
3 The FFIEC is comprised of the OCC, Board,
FDIC, National Credit Union Administration
(NCUA), Consumer Financial Protection Bureau
(CFPB), and State Liaison Committee. Of these, only
the OCC, Board, and FDIC are statutorily required
to undertake the EGRPRA review. The NCUA
elected to participate in the first EGRPRA review
ten years ago, and the NCUA Board again has
elected to participate in this review process.
Consistent with its approach during the first
EGRPRA review, NCUA will separately issue
notices and requests for comment on its rules. The
CFPB is required to review its significant rules and
publish a report of its review no later than five
years after they take effect. See 12 U.S.C. 5512(d).
This process is separate from the EGRPRA process.
4 Insured depository institutions also are subject
to regulations that are not required to be reviewed
under the EGRPRA process. Examples include rules
for which rulemaking authority has transferred to
the CFPB and anti-money laundering regulations
issued by the Department of the Treasury’s
Financial Crimes Enforcement Network, among
others.
5 Consistent with EGRPRA’s focus on reducing
burden on insured depository institutions, the
Agencies have not included their internal,
organizational, or operational regulations in this
review. These regulations impose minimal, if any,
burden on insured depository institutions.
Furthermore, we have not included in this review
those rules that will go into effect during the
EGRPRA review, new regulations that have only
recently gone into effect, or rules that we have yet
to fully implement. As previously noted, the
Agencies were required to take burden into account
in adopting these regulations.
6 The Agencies are seeking comment only on
those consumer protection regulations for which
they retain rulemaking authority for insured
depository institutions, and regulated holding
companies following passage of section 1061 of the
Dodd-Frank Wall Street Reform and Consumer
Protection Act, Public Law 111–203 (2010) (Dodd-
Frank Act), codified at 12 U.S.C. 5581(b).
7 79 FR 32172 (First Notice).
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 a.m. and 5 p.m.
(EST).
We 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 a.m. and 5 p.m. (EST)
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 Thomas, Special
Counsel (202) 649–6286; for persons
who are deaf or hard of hearing, TTY
(202) 649–5597.
Board: Walter McEwen, Senior
Counsel (202) 452–3321; Claudia Von
Pervieux, Counsel (202) 452–2552;
Matthew Bornfreund, Attorney (202)
452–3818; for persons who are deaf or
hard of hearing, TDD (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 (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
(FFIEC),2 along with the Agencies,3
conduct a review of their regulations to
identify outdated or otherwise
unnecessary requirements imposed on
insured depository institutions.4 The
EGRPRA regulatory review provides an
opportunity for the public and the
Agencies to look at groups of related
regulations and to identify opportunities
for burden reduction. For example, the
EGRPRA review may facilitate the
identification of statutes and regulations
that share similar goals or
complementary methods where one or
more Agencies could eliminate
overlapping requirements.
Alternatively, commenters may identify
regulations or statutes that impose
requirements that are no longer
consistent with the way that business is
conducted and that, therefore, the
Agencies might eliminate.
The EGRPRA review also provides the
Agencies and the public with an
opportunity to consider how to reduce
burden in general, but especially on
community banks and other small,
insured depository institutions or
holding companies. We are keenly
aware of the role that these institutions
play in providing consumers and
businesses across the nation with
essential financial services and access to
credit, and we are concerned about the
impact of regulatory burden on these
smaller institutions. We understand that
when an Agency issues a new regulation
or amends a current regulation, smaller
institutions may have to devote
considerable resources to determine if
and how the regulation will affect them.
Through the public comment process,
the EGRPRA review can help the
Agencies identify and target regulatory
changes to reduce unnecessary burden
on these smaller institutions.
Burden reduction must be consistent
with the Agencies’ statutory mandates,
many of which require the issuance of
regulations. This includes ensuring the
safety and soundness of insured
depository institutions, their affiliates,
and the financial system as a whole.
EGRPRA recognizes that effective
burden reduction may require
legislative change. Accordingly, as part
of this review, we specifically ask the
public to comment on the relationships
among burden reduction, regulatory
requirements, and statutory mandates.
In addition, we note that the Agencies
also consider the burden imposed each
time we propose, adopt, or amend a
rule. For example, under the Paperwork
Reduction Act of 1995 and the
Regulatory Flexibility Act, the Agencies
assess each rulemaking with respect to
the burdens the rule might impose.
Furthermore, we invite the public to
comment on every rule we propose, as
required by the Administrative
Procedure Act (APA).
II. The EGRPRA Review Process
Taken together for purposes of
EGRPRA, the Agencies’ regulations
covering insured depository institutions
encompass more than 100 subjects.5
Consistent with the EGRPRA statute, the
Agencies have grouped these
regulations into the following 12
regulatory categories:
Applications and Reporting; Banking
Operations; Capital; Community
Reinvestment Act; Consumer
Protection;6 Directors, Officers and
Employees; International Operations;
Money Laundering; Powers and
Activities; Rules of Procedure; Safety
and Soundness; and Securities. To
determine these categories, we divided
the regulations by type and sought to
have no category be too large or broad.
To carry out the EGRPRA review, the
Agencies plan to publish four Federal
Register notices, each addressing one or
more categories of rules. Each Federal
Register notice will have a 90-day
comment period. On June 4, 2014, the
Agencies published the first such
notice, seeking comment on three
categories of rules: Applications and
Reporting, Powers and Activities, and
International Operations.7 Today, we
are publishing the second notice,
addressing the Banking Operations,
Capital, and the Community
Reinvestment Act categories of
regulations. We invite the public to
identify outdated, otherwise
unnecessary, or unduly burdensome
regulatory requirements imposed on
insured depository institutions and their
VerDate Sep<11>2014 13:53 Feb 12, 2015 Jkt 235001 PO 00000 Frm 00002 Fmt 4702 Sfmt 4702 E:\FR\FM\13FEP1.SGM 13FEP1
wreier-aviles on DSK5TPTVN1PROD with PROPOSALS
1 Public Law 104–208 (1996), codified at 12
U.S.C. 3311.
2 The FFIEC is an interagency body empowered
to prescribe uniform principles, standards, and
report forms for the Federal examination of
financial institutions and to make recommendations
to promote uniformity in the supervision of
financial institutions. The FFIEC does not issue
regulations that impose burden on financial
institutions and, therefore, we have not separately
captioned the FFIEC in this notice.
3 The FFIEC is comprised of the OCC, Board,
FDIC, National Credit Union Administration
(NCUA), Consumer Financial Protection Bureau
(CFPB), and State Liaison Committee. Of these, only
the OCC, Board, and FDIC are statutorily required
to undertake the EGRPRA review. The NCUA
elected to participate in the first EGRPRA review
ten years ago, and the NCUA Board again has
elected to participate in this review process.
Consistent with its approach during the first
EGRPRA review, NCUA will separately issue
notices and requests for comment on its rules. The
CFPB is required to review its significant rules and
publish a report of its review no later than five
years after they take effect. See 12 U.S.C. 5512(d).
This process is separate from the EGRPRA process.
4 Insured depository institutions also are subject
to regulations that are not required to be reviewed
under the EGRPRA process. Examples include rules
for which rulemaking authority has transferred to
the CFPB and anti-money laundering regulations
issued by the Department of the Treasury’s
Financial Crimes Enforcement Network, among
others.
5 Consistent with EGRPRA’s focus on reducing
burden on insured depository institutions, the
Agencies have not included their internal,
organizational, or operational regulations in this
review. These regulations impose minimal, if any,
burden on insured depository institutions.
Furthermore, we have not included in this review
those rules that will go into effect during the
EGRPRA review, new regulations that have only
recently gone into effect, or rules that we have yet
to fully implement. As previously noted, the
Agencies were required to take burden into account
in adopting these regulations.
6 The Agencies are seeking comment only on
those consumer protection regulations for which
they retain rulemaking authority for insured
depository institutions, and regulated holding
companies following passage of section 1061 of the
Dodd-Frank Wall Street Reform and Consumer
Protection Act, Public Law 111–203 (2010) (Dodd-
Frank Act), codified at 12 U.S.C. 5581(b).
7 79 FR 32172 (First Notice).
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 a.m. and 5 p.m.
(EST).
We 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 a.m. and 5 p.m. (EST)
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 Thomas, Special
Counsel (202) 649–6286; for persons
who are deaf or hard of hearing, TTY
(202) 649–5597.
Board: Walter McEwen, Senior
Counsel (202) 452–3321; Claudia Von
Pervieux, Counsel (202) 452–2552;
Matthew Bornfreund, Attorney (202)
452–3818; for persons who are deaf or
hard of hearing, TDD (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 (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
(FFIEC),2 along with the Agencies,3
conduct a review of their regulations to
identify outdated or otherwise
unnecessary requirements imposed on
insured depository institutions.4 The
EGRPRA regulatory review provides an
opportunity for the public and the
Agencies to look at groups of related
regulations and to identify opportunities
for burden reduction. For example, the
EGRPRA review may facilitate the
identification of statutes and regulations
that share similar goals or
complementary methods where one or
more Agencies could eliminate
overlapping requirements.
Alternatively, commenters may identify
regulations or statutes that impose
requirements that are no longer
consistent with the way that business is
conducted and that, therefore, the
Agencies might eliminate.
The EGRPRA review also provides the
Agencies and the public with an
opportunity to consider how to reduce
burden in general, but especially on
community banks and other small,
insured depository institutions or
holding companies. We are keenly
aware of the role that these institutions
play in providing consumers and
businesses across the nation with
essential financial services and access to
credit, and we are concerned about the
impact of regulatory burden on these
smaller institutions. We understand that
when an Agency issues a new regulation
or amends a current regulation, smaller
institutions may have to devote
considerable resources to determine if
and how the regulation will affect them.
Through the public comment process,
the EGRPRA review can help the
Agencies identify and target regulatory
changes to reduce unnecessary burden
on these smaller institutions.
Burden reduction must be consistent
with the Agencies’ statutory mandates,
many of which require the issuance of
regulations. This includes ensuring the
safety and soundness of insured
depository institutions, their affiliates,
and the financial system as a whole.
EGRPRA recognizes that effective
burden reduction may require
legislative change. Accordingly, as part
of this review, we specifically ask the
public to comment on the relationships
among burden reduction, regulatory
requirements, and statutory mandates.
In addition, we note that the Agencies
also consider the burden imposed each
time we propose, adopt, or amend a
rule. For example, under the Paperwork
Reduction Act of 1995 and the
Regulatory Flexibility Act, the Agencies
assess each rulemaking with respect to
the burdens the rule might impose.
Furthermore, we invite the public to
comment on every rule we propose, as
required by the Administrative
Procedure Act (APA).
II. The EGRPRA Review Process
Taken together for purposes of
EGRPRA, the Agencies’ regulations
covering insured depository institutions
encompass more than 100 subjects.5
Consistent with the EGRPRA statute, the
Agencies have grouped these
regulations into the following 12
regulatory categories:
Applications and Reporting; Banking
Operations; Capital; Community
Reinvestment Act; Consumer
Protection;6 Directors, Officers and
Employees; International Operations;
Money Laundering; Powers and
Activities; Rules of Procedure; Safety
and Soundness; and Securities. To
determine these categories, we divided
the regulations by type and sought to
have no category be too large or broad.
To carry out the EGRPRA review, the
Agencies plan to publish four Federal
Register notices, each addressing one or
more categories of rules. Each Federal
Register notice will have a 90-day
comment period. On June 4, 2014, the
Agencies published the first such
notice, seeking comment on three
categories of rules: Applications and
Reporting, Powers and Activities, and
International Operations.7 Today, we
are publishing the second notice,
addressing the Banking Operations,
Capital, and the Community
Reinvestment Act categories of
regulations. We invite the public to
identify outdated, otherwise
unnecessary, or unduly burdensome
regulatory requirements imposed on
insured depository institutions and their
VerDate Sep<11>2014 13:53 Feb 12, 2015 Jkt 235001 PO 00000 Frm 00002 Fmt 4702 Sfmt 4702 E:\FR\FM\13FEP1.SGM 13FEP1
wreier-aviles on DSK5TPTVN1PROD with PROPOSALS