55679Federal Register / Vol. 84, No. 201 / Thursday, October 17, 2019 / Notices
1 Eligible Market is defined as (i) a geographic
area meeting the requirements set forth in 12 CFR
1805.201(b)(3)(ii), or (ii) individuals that are Low-
Income, African American, Hispanic, Native
American, Native Hawaiians residing in Hawaii,
Alaska Natives residing in Alaska, or Other Pacific
Islanders residing in American Samoa, Guam or the
Northern Mariana Islands.
required to report to the CDFI Fund on
their Qualified Activities per their
Award Agreements.
The CDFI Program was established by
the Community Development and
Regulatory Improvement Act of 1994 to
use federal resources to invest in and
build the capacity of CDFIs to serve low-
income people and communities lacking
adequate access to affordable financial
products and services. The CDFI Fund
created the Native Initiatives, which
includes the NACA Program, to further
support the creation and expansion of
Native CDFIs. Through the CDFI
Program and NACA Program, the CDFI
Fund provides: (1) Financial Assistance
(FA) awards to CDFIs and Native CDFIs
that have Comprehensive Business
Plans for creating demonstrable
community development impact
through the deployment of credit,
capital, and financial services within
Target Markets and/or Eligible
Markets; 1 and (ii) Technical Assistance
(TA) grants to CDFIs and Native CDFIs
and entities proposing to become CDFIs
or Native CDFIs in order to build their
capacity to better address the
community development and capital
access needs of their existing or
proposed Target Markets and/or to
become certified CDFIs. CDFI Program
applicants submit applications and are
evaluated in accordance with statutory
and regulatory requirements (12 CFR
1805), and requirements that are set
forth in an annual Notice of Funds
Availability. NACA Program applicants
submit applications and are evaluated
in accordance with requirements that
are set forth in an annual Notice of
Funds Availability. Recipients with FA
or TA awards are required to report to
the CDFI Fund on the uses of those
funds per their Assistance Agreements.
Affected Public: Recipients of BEA
Program awards.
Estimated Number of Respondents:
120.
Frequency of Response: Once.
Estimated Total Number of Annual
Responses: 120.
Estimated Annual Time per
Respondent: 1 hour.
Estimated Total Annual Burden
Hours: 120 hours.
Affected Public: Recipients of CDFI or
NACA Program awards.
Estimated Number of Respondents:
700.
Frequency of Response: Annually.
Estimated Total Number of Annual
Responses: 700.
Estimated Annual Time per
Respondent: 30 min.
Estimated Total Annual Burden
Hours: 350 hours.
Requests for Comments: Comments
submitted in response to this notice will
be summarized and/or included in the
request for the Office of Management
and Budget (OMB) approval. All
comments will become a matter of
public record and will be published on
the CDFI Fund website at http://
www.cdfifund.gov. Comments are
invited on: (a) Whether the collection of
information is necessary for the proper
performance of the functions of the
agency, including whether the
information shall have practical utility;
(b) the accuracy of the agency’s estimate
of the burden of the collection of
information; (c) ways to enhance the
quality, utility, and clarity of the
information collected; (d) ways to
minimize the burden of the collection of
information on respondents, including
through the use of technology; and (e)
estimates of capital or start-up costs and
costs of operation, maintenance, and
purchase of services to provide
information.
An agency may not conduct or
sponsor, and a person is not required to
respond to, a collection of information
unless the collection of information
displays a valid OMB control number.
Authority: 12 U.S.C. 4704, 4713; 12 CFR
parts 1805 and 1806.
Dated: October 10, 2019.
Jodie L. Harris,
Director, Community Development Financial
Institutions Fund.
[FR Doc. 2019–22574 Filed 10–16–19; 8:45 am]
BILLING CODE 4810–70–P
DEPARTMENT OF TREASURY
Office of the Comptroller of the
Currency
[Docket ID OCC–2019–0018]
FEDERAL RESERVE SYSTEM
[Docket ID OP–1679]
FEDERAL DEPOSIT INSURANCE
CORPORATION
RIN 3064–ZA09
NATIONAL CREDIT UNION
ADMINISTRATION
RIN 3133–AF05
Interagency Guidance on Credit Risk
Review Systems
AGENCY: Office of the Comptroller of the
Currency (OCC), Treasury; Board of
Governors of the Federal Reserve
System (Board); Federal Deposit
Insurance Corporation (FDIC); and
National Credit Union Administration
(NCUA).
ACTION: Proposed guidance.
SUMMARY: The OCC, the Board, the
FDIC, and the NCUA (collectively, the
agencies) are inviting comment on
proposed guidance for credit risk review
systems. This proposed guidance is
relevant to all institutions supervised by
the agencies. The proposed guidance
discusses sound management of credit
risk, a system of independent, ongoing
credit review, and appropriate
communication regarding the
performance of the institution’s loan
portfolio to its management and board
of directors.
DATES: Comments must be received by
December 16, 2019.
ADDRESSES: Interested parties are
encouraged to submit written comments
to any or all of the agencies listed
below. The agencies will share
comments with each other.
Comments should be directed to:
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 ‘‘Interagency
Guidance on Credit Risk Review
Systems’’ 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–2019–0018’’ in the Search Box and
click ‘‘Search.’’ Click on ‘‘Comment
VerDate Sep<11>2014 17:26 Oct 16, 2019 Jkt 250001 PO 00000 Frm 00140 Fmt 4703 Sfmt 4703 E:\FR\FM\17OCN1.SGM 17OCN1
1 Eligible Market is defined as (i) a geographic
area meeting the requirements set forth in 12 CFR
1805.201(b)(3)(ii), or (ii) individuals that are Low-
Income, African American, Hispanic, Native
American, Native Hawaiians residing in Hawaii,
Alaska Natives residing in Alaska, or Other Pacific
Islanders residing in American Samoa, Guam or the
Northern Mariana Islands.
required to report to the CDFI Fund on
their Qualified Activities per their
Award Agreements.
The CDFI Program was established by
the Community Development and
Regulatory Improvement Act of 1994 to
use federal resources to invest in and
build the capacity of CDFIs to serve low-
income people and communities lacking
adequate access to affordable financial
products and services. The CDFI Fund
created the Native Initiatives, which
includes the NACA Program, to further
support the creation and expansion of
Native CDFIs. Through the CDFI
Program and NACA Program, the CDFI
Fund provides: (1) Financial Assistance
(FA) awards to CDFIs and Native CDFIs
that have Comprehensive Business
Plans for creating demonstrable
community development impact
through the deployment of credit,
capital, and financial services within
Target Markets and/or Eligible
Markets; 1 and (ii) Technical Assistance
(TA) grants to CDFIs and Native CDFIs
and entities proposing to become CDFIs
or Native CDFIs in order to build their
capacity to better address the
community development and capital
access needs of their existing or
proposed Target Markets and/or to
become certified CDFIs. CDFI Program
applicants submit applications and are
evaluated in accordance with statutory
and regulatory requirements (12 CFR
1805), and requirements that are set
forth in an annual Notice of Funds
Availability. NACA Program applicants
submit applications and are evaluated
in accordance with requirements that
are set forth in an annual Notice of
Funds Availability. Recipients with FA
or TA awards are required to report to
the CDFI Fund on the uses of those
funds per their Assistance Agreements.
Affected Public: Recipients of BEA
Program awards.
Estimated Number of Respondents:
120.
Frequency of Response: Once.
Estimated Total Number of Annual
Responses: 120.
Estimated Annual Time per
Respondent: 1 hour.
Estimated Total Annual Burden
Hours: 120 hours.
Affected Public: Recipients of CDFI or
NACA Program awards.
Estimated Number of Respondents:
700.
Frequency of Response: Annually.
Estimated Total Number of Annual
Responses: 700.
Estimated Annual Time per
Respondent: 30 min.
Estimated Total Annual Burden
Hours: 350 hours.
Requests for Comments: Comments
submitted in response to this notice will
be summarized and/or included in the
request for the Office of Management
and Budget (OMB) approval. All
comments will become a matter of
public record and will be published on
the CDFI Fund website at http://
www.cdfifund.gov. Comments are
invited on: (a) Whether the collection of
information is necessary for the proper
performance of the functions of the
agency, including whether the
information shall have practical utility;
(b) the accuracy of the agency’s estimate
of the burden of the collection of
information; (c) ways to enhance the
quality, utility, and clarity of the
information collected; (d) ways to
minimize the burden of the collection of
information on respondents, including
through the use of technology; and (e)
estimates of capital or start-up costs and
costs of operation, maintenance, and
purchase of services to provide
information.
An agency may not conduct or
sponsor, and a person is not required to
respond to, a collection of information
unless the collection of information
displays a valid OMB control number.
Authority: 12 U.S.C. 4704, 4713; 12 CFR
parts 1805 and 1806.
Dated: October 10, 2019.
Jodie L. Harris,
Director, Community Development Financial
Institutions Fund.
[FR Doc. 2019–22574 Filed 10–16–19; 8:45 am]
BILLING CODE 4810–70–P
DEPARTMENT OF TREASURY
Office of the Comptroller of the
Currency
[Docket ID OCC–2019–0018]
FEDERAL RESERVE SYSTEM
[Docket ID OP–1679]
FEDERAL DEPOSIT INSURANCE
CORPORATION
RIN 3064–ZA09
NATIONAL CREDIT UNION
ADMINISTRATION
RIN 3133–AF05
Interagency Guidance on Credit Risk
Review Systems
AGENCY: Office of the Comptroller of the
Currency (OCC), Treasury; Board of
Governors of the Federal Reserve
System (Board); Federal Deposit
Insurance Corporation (FDIC); and
National Credit Union Administration
(NCUA).
ACTION: Proposed guidance.
SUMMARY: The OCC, the Board, the
FDIC, and the NCUA (collectively, the
agencies) are inviting comment on
proposed guidance for credit risk review
systems. This proposed guidance is
relevant to all institutions supervised by
the agencies. The proposed guidance
discusses sound management of credit
risk, a system of independent, ongoing
credit review, and appropriate
communication regarding the
performance of the institution’s loan
portfolio to its management and board
of directors.
DATES: Comments must be received by
December 16, 2019.
ADDRESSES: Interested parties are
encouraged to submit written comments
to any or all of the agencies listed
below. The agencies will share
comments with each other.
Comments should be directed to:
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 ‘‘Interagency
Guidance on Credit Risk Review
Systems’’ 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–2019–0018’’ in the Search Box and
click ‘‘Search.’’ Click on ‘‘Comment
VerDate Sep<11>2014 17:26 Oct 16, 2019 Jkt 250001 PO 00000 Frm 00140 Fmt 4703 Sfmt 4703 E:\FR\FM\17OCN1.SGM 17OCN1
55680 Federal Register / Vol. 84, No. 201 / Thursday, October 17, 2019 / Notices
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, Attn:
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–2019–0018’’ 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 provided 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 OCC–2019–0018’’ 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.
• Viewing Comments Personally: You
may personally inspect comments at the
OCC, 400 7th Street SW, Washington,
DC 20219. For security reasons, the OCC
requires that visitors make an
appointment to inspect comments. You
may do so by calling (202) 649–6700 or,
for persons who are deaf or hearing
impaired, TTY, (202) 649–5597. Upon
arrival, visitors will be required to
present valid government-issued photo
identification and submit to security
screening in order to inspect comments.
Board: When submitting comments,
please consider submitting your
comments by email or fax because paper
mail in the Washington, DC area and at
the Board may be subject to delay.
You may submit comments, identified
by OP–1679, 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/RevisedRegs.cfm.
• Email: regs.comments@
federalreserve.gov. Include docket and
RIN numbers in the subject line of the
message.
• Fax: (202) 452–3819 or (202) 452–
3102.
• Mail: Ann E. 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/RevisedRegs.cfm as
submitted, unless modified for technical
reasons or to remove personally
identifiable information at the
commenter’s request. Accordingly,
comments will not be edited to remove
any identifying or contact information.
Public comments may also be viewed
electronically or in paper in Room 3515,
1801 K Street NW (between 18th and
19th Streets NW), between 9:00 a.m. and
5:00 p.m. on weekdays.
FDIC: You may submit comments,
identified by FDIC RIN 3064–ZA09, by
any of the following methods:
• Agency website: https://
www.fdic.gov/regulations/laws/federal/.
Follow instructions for submitting
comments on the Agency website.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments/Legal
ESS, Federal Deposit Insurance
Corporation, 550 17th Street NW,
Washington, DC 20429.
• Hand Delivery/Courier: Comments
may be hand-delivered to the guard
station at the rear of the 550 17th Street
NW building (located on F Street) on
business days between 7:00 a.m. and
5:00 p.m.
• Email: comments@FDIC.gov.
Comments submitted must include
‘‘FDIC’’ and ‘‘RIN 3064–ZA09’’ on the
subject line of the message.
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• Public Inspection: All comments
received must include ‘‘FDIC’’ and ‘‘RIN
3064–ZA09’’ for this rulemaking. All
comments received will be posted
without change to http://www.fdic.gov/
regulations/laws/federal/, including any
personal information provided.
NCUA: You may submit comments by
any one of the following methods
(please send comments by one method
only):
• Federal rulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• Email: Address to regcomments@
ncua.gov. Include ‘‘[Your name]—
Comments on ‘‘Interagency Guidance on
Credit Risk Review Systems’’ in the
email subject line.
• Fax: (703) 518–6319. Use the
subject line described above for email.
• Mail: Address to Gerard Poliquin,
Secretary of the Board, National Credit
Union Administration, 1775 Duke
Street, Alexandria, Virginia 22314–
3428.
• Hand Delivery/Courier: Same as
mail address.
Public Inspection: You can view all
public comments on NCUA’s website at
https://www.ncua.gov/regulation-
supervision/rules-regulations/proposed-
pending-and-recently-final-regulations
as submitted, except for those we cannot
post for technical reasons. NCUA will
not edit or remove any identifying or
contact information from the public
comments submitted. You may inspect
paper copies of comments in NCUA’s
law library at 1775 Duke Street,
Alexandria, Virginia 22314, by
appointment weekdays between 9:00
a.m. and 3:00 p.m. To make an
appointment, call (703) 518–6546 or
send an email to OGCMail@ncua.gov.
FOR FURTHER INFORMATION CONTACT:
OCC: Beth Nalyvayko, Bank
Examiner, or Lou Ann Francis, Director,
Commercial Credit Risk, (202) 649–
6670; or Kevin Korzeniewski, Counsel,
Chief Counsel’s Office, (202) 649–5490.
For persons who are hearing impaired,
TTY, (202) 649–5597.
Board: Constance Horsley, Deputy
Associate Director, (202) 452–5239;
Virginia Gibbs, Manager, (202) 452–
2521; or Carmen Holly, Lead Financial
Institution Policy Analyst (202) 973–
6122, the Division of Supervision and
Regulation; or Alyssa O’Connor,
Attorney, Legal Division, (202) 452–
3886, Board of Governors of the Federal
Reserve System, 20th and C Streets NW,
Washington, DC 20551.
FDIC: Thomas F. Lyons, Chief, Policy
& Program Development, tlyons@
fdic.gov (202) 898–6850; George J.
Small, Senior Examination Specialist,
Risk Management Policy, gsmall@
fdic.gov (917) 320–2750, Risk
Management Supervision; Ann M.
Adams, Senior Examination Specialist,
Risk Management Policy,
VerDate Sep<11>2014 19:57 Oct 16, 2019 Jkt 250001 PO 00000 Frm 00141 Fmt 4703 Sfmt 4703 E:\FR\FM\17OCN1.SGM 17OCN1
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, Attn:
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–2019–0018’’ 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 provided 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 OCC–2019–0018’’ 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.
• Viewing Comments Personally: You
may personally inspect comments at the
OCC, 400 7th Street SW, Washington,
DC 20219. For security reasons, the OCC
requires that visitors make an
appointment to inspect comments. You
may do so by calling (202) 649–6700 or,
for persons who are deaf or hearing
impaired, TTY, (202) 649–5597. Upon
arrival, visitors will be required to
present valid government-issued photo
identification and submit to security
screening in order to inspect comments.
Board: When submitting comments,
please consider submitting your
comments by email or fax because paper
mail in the Washington, DC area and at
the Board may be subject to delay.
You may submit comments, identified
by OP–1679, 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/RevisedRegs.cfm.
• Email: regs.comments@
federalreserve.gov. Include docket and
RIN numbers in the subject line of the
message.
• Fax: (202) 452–3819 or (202) 452–
3102.
• Mail: Ann E. 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/RevisedRegs.cfm as
submitted, unless modified for technical
reasons or to remove personally
identifiable information at the
commenter’s request. Accordingly,
comments will not be edited to remove
any identifying or contact information.
Public comments may also be viewed
electronically or in paper in Room 3515,
1801 K Street NW (between 18th and
19th Streets NW), between 9:00 a.m. and
5:00 p.m. on weekdays.
FDIC: You may submit comments,
identified by FDIC RIN 3064–ZA09, by
any of the following methods:
• Agency website: https://
www.fdic.gov/regulations/laws/federal/.
Follow instructions for submitting
comments on the Agency website.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments/Legal
ESS, Federal Deposit Insurance
Corporation, 550 17th Street NW,
Washington, DC 20429.
• Hand Delivery/Courier: Comments
may be hand-delivered to the guard
station at the rear of the 550 17th Street
NW building (located on F Street) on
business days between 7:00 a.m. and
5:00 p.m.
• Email: comments@FDIC.gov.
Comments submitted must include
‘‘FDIC’’ and ‘‘RIN 3064–ZA09’’ on the
subject line of the message.
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• Public Inspection: All comments
received must include ‘‘FDIC’’ and ‘‘RIN
3064–ZA09’’ for this rulemaking. All
comments received will be posted
without change to http://www.fdic.gov/
regulations/laws/federal/, including any
personal information provided.
NCUA: You may submit comments by
any one of the following methods
(please send comments by one method
only):
• Federal rulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• Email: Address to regcomments@
ncua.gov. Include ‘‘[Your name]—
Comments on ‘‘Interagency Guidance on
Credit Risk Review Systems’’ in the
email subject line.
• Fax: (703) 518–6319. Use the
subject line described above for email.
• Mail: Address to Gerard Poliquin,
Secretary of the Board, National Credit
Union Administration, 1775 Duke
Street, Alexandria, Virginia 22314–
3428.
• Hand Delivery/Courier: Same as
mail address.
Public Inspection: You can view all
public comments on NCUA’s website at
https://www.ncua.gov/regulation-
supervision/rules-regulations/proposed-
pending-and-recently-final-regulations
as submitted, except for those we cannot
post for technical reasons. NCUA will
not edit or remove any identifying or
contact information from the public
comments submitted. You may inspect
paper copies of comments in NCUA’s
law library at 1775 Duke Street,
Alexandria, Virginia 22314, by
appointment weekdays between 9:00
a.m. and 3:00 p.m. To make an
appointment, call (703) 518–6546 or
send an email to OGCMail@ncua.gov.
FOR FURTHER INFORMATION CONTACT:
OCC: Beth Nalyvayko, Bank
Examiner, or Lou Ann Francis, Director,
Commercial Credit Risk, (202) 649–
6670; or Kevin Korzeniewski, Counsel,
Chief Counsel’s Office, (202) 649–5490.
For persons who are hearing impaired,
TTY, (202) 649–5597.
Board: Constance Horsley, Deputy
Associate Director, (202) 452–5239;
Virginia Gibbs, Manager, (202) 452–
2521; or Carmen Holly, Lead Financial
Institution Policy Analyst (202) 973–
6122, the Division of Supervision and
Regulation; or Alyssa O’Connor,
Attorney, Legal Division, (202) 452–
3886, Board of Governors of the Federal
Reserve System, 20th and C Streets NW,
Washington, DC 20551.
FDIC: Thomas F. Lyons, Chief, Policy
& Program Development, tlyons@
fdic.gov (202) 898–6850; George J.
Small, Senior Examination Specialist,
Risk Management Policy, gsmall@
fdic.gov (917) 320–2750, Risk
Management Supervision; Ann M.
Adams, Senior Examination Specialist,
Risk Management Policy,
VerDate Sep<11>2014 19:57 Oct 16, 2019 Jkt 250001 PO 00000 Frm 00141 Fmt 4703 Sfmt 4703 E:\FR\FM\17OCN1.SGM 17OCN1