June 8, 2007 – Federal Register Recent Federal Regulation Documents

Results 51 - 100 of 118
Request for Public Comments and Office of Management and Budget Approval of Existing Information Collection Requirements (2137-0578 and 2137-0579)
Document Number: E7-11077
Type: Notice
Date: 2007-06-08
Agency: Pipeline and Hazardous Materials Safety Administration, Department of Transportation
In compliance with the Paperwork Reduction Act of 1995 (PRA), this notice requests public participation in the Office of Management and Budget (OMB) approval process for the renewal and extension of two information collection requirements: ``Reporting of Safety-Related Conditions on Gas, Hazardous Liquid, and Carbon Dioxide Pipelines and Liquefied Natural Gas Facilities'' and ``Drug and Alcohol Testing of Pipeline Operators.'' PHMSA invites the public to submit comments over the next 60 days on whether the collection of this information is necessary for the proper performance of the functions of DOT.
North American Free-Trade Agreement (NAFTA), Article 1904 Binational Panel Reviews
Document Number: E7-11076
Type: Notice
Date: 2007-06-08
Agency: Department of Commerce, International Trade Administration
On June 1, 2007, the binational panel issued its decision in the review of the final determination made by the International Trade Administration, respecting Oil Country Tubular Goods from Mexico Final Results of Sunset Review of Antidumping Duty Order, Secretariat File No. USA-MEX-2001-1904-03. The binational panel remanded the redetermination on remand to the International Trade Administration. Copies of the panel decision are available from the U.S. Section of the NAFTA Secretariat.
Submission for OMB Review; Comment Request
Document Number: E7-11075
Type: Notice
Date: 2007-06-08
Agency: Department of Commerce
Submission for OMB Review; Comment Request
Document Number: E7-11074
Type: Notice
Date: 2007-06-08
Agency: Department of Commerce
Submission for OMB Review; Comment Request
Document Number: E7-11073
Type: Notice
Date: 2007-06-08
Agency: Department of Commerce
Proposed Information Collection; Comment Request; Northeast Region Gear Identification Requirements
Document Number: E7-11072
Type: Notice
Date: 2007-06-08
Agency: Department of Commerce, National Oceanic and Atmospheric Administration
The Department of Commerce, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to take this opportunity to comment on proposed and/or continuing information collections, as required by the Paperwork Reduction Act of 1995.
Fees for Customs Processing at Express Consignment Carrier Facilities
Document Number: E7-11071
Type: Rule
Date: 2007-06-08
Agency: Department of Homeland Security, Department of the Treasury
This document amends title 19 of the Code of Federal Regulations (19 CFR) to reflect changes to the customs user fee statute made by section 337 of the Trade Act of 2002 and section 2004(f) of the Miscellaneous Trade and Technical Corrections Act of 2004. The statutory amendments made by section 337 concern the fees payable for customs services provided in connection with the informal entry or release of shipments at express consignment carrier facilities and centralized hub facilities, and primarily serve to replace the annual lump sum payment procedure with a quarterly payment procedure based on a specific fee for each individual air waybill or bill of lading. Section 2004(f) amended the user fee statute by authorizing the assessment of both the merchandise processing fee and a reimbursable fee assessed on each air waybill or bill of lading for merchandise that is formally entered at these sites and valued at $2,000 or less. In addition, pursuant to the authority established in 19 U.S.C. 58c(b)(9)(B)(i), this document raises the existing $0.66 fee assessed on individual air waybills or bills of lading to $1.00 to more equitably align it with the actual costs incurred by CBP in processing these items.
Proposed Information Collection; Comment Request; Vessel Monitoring System Requirements in the Western Pacific Pelagic Longline Fishery
Document Number: E7-11070
Type: Notice
Date: 2007-06-08
Agency: Department of Commerce, National Oceanic and Atmospheric Administration
The Department of Commerce, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to take this opportunity to comment on proposed and/or continuing information collections, as required by the Paperwork Reduction Act of 1995.
Customs Forms for Priority Mail To or From “969” ZIP Codes and 96799
Document Number: E7-11069
Type: Rule
Date: 2007-06-08
Agency: Postal Service, Agencies and Commissions
The Postal ServiceTM is revising the Mailing Standards of the United States Postal Service, Domestic Mail Manual to require customs declarations on certain Priority Mail[supreg] mailpieces to or from ZIP CodeTM 96799 and ZIP CodesTM beginning with the prefix 969.
Submission for OMB Review; Comment Request
Document Number: E7-11068
Type: Notice
Date: 2007-06-08
Agency: Department of Commerce
Agency Information Collection Activities: Proposed Collection; Comment Request
Document Number: E7-11067
Type: Notice
Date: 2007-06-08
Agency: Federal Maritime Commission, Agencies and Commissions
In accordance with the Paperwork Reduction Act of 1995 and the Office of Management and Budget (``OMB'') regulations, the Federal Maritime Commission is announcing its intention to request a revision of an approved information collection regarding the licensing of ocean transportation intermediaries.
National Register of Historic Places; Notification of Pending Nominations and Related Actions
Document Number: E7-11066
Type: Notice
Date: 2007-06-08
Agency: Department of the Interior, National Park Service
Request for Notification From Industry Organizations Interested in Participating in Selection Process for Nonvoting Industry Representatives on Public Advisory Committees and Request for Nominations for Nonvoting Industry Representatives on Public Advisory Committees
Document Number: E7-11065
Type: Notice
Date: 2007-06-08
Agency: Food and Drug Administration, Department of Health and Human Services
The Food and Drug Administration (FDA) is requesting that any industry organizations interested in participating in the selection of nonvoting industry representatives to serve on its public advisory committees for the Center for Drug Evaluation Research (CDER) notify FDA in writing. FDA is also requesting nominations for nonvoting industry representatives to serve on CDER's public advisory committees. A nominee may either be self-nominated or nominated by an organization to serve as a nonvoting industry representative. Nominations will be accepted for current vacancies effective with this notice.
Submission for OMB Review; Comment Request
Document Number: E7-11064
Type: Notice
Date: 2007-06-08
Agency: Department of Education
The IC Clearance Official, Regulatory Information Management Services, Office of Management invites comments on the submission for OMB review as required by the Paperwork Reduction Act of 1995.
Submission for OMB Review; Comment Request
Document Number: E7-11063
Type: Notice
Date: 2007-06-08
Agency: Department of Education
The IC Clearance Official, Regulatory Information Management Services, Office of Management invites comments on the submission for OMB review as required by the Paperwork Reduction Act of 1995.
Modification to the Norton Sound Low, Woody Island Low, Control 1234L and Control 1487L Offshore Airspace Areas; Alaska
Document Number: E7-11061
Type: Rule
Date: 2007-06-08
Agency: Federal Aviation Administration, Department of Transportation
This action amends the following four Offshore Airspace Areas in Alaska: Norton Sound Low, Woody Island Low, Control 1234L and Control 1487L. This action describes the airspace west of 160[deg] W. longitude as it is currently depicted on aeronautical charts. Some of the existing controlled airspace is described as domestic Class E5 airspace around Kodiak, AK. This airspace instead will be listed within the Woody Island Low Offshore Airspace Area. The FAA is taking this action to provide additional controlled airspace for aircraft instrument flight rules (IFR) operations, and to correctly describe the existing offshore airspace areas in FAA Order 7400.9P, Airspace Designations and Reporting Points, dated September 1, 2006, and effective September 15, 2006.
Marine Mammals; File No. 42-1908
Document Number: E7-11056
Type: Notice
Date: 2007-06-08
Agency: Department of Commerce, National Oceanic and Atmospheric Administration
Notice is hereby given that Mystic Aquarium, 55 Coogan Boulevard, Mystic, CT 06355 (Dr. Lisa Mazzaro, Principal Investigator), has applied in due form for a permit to conduct research on Steller sea lions (Eumetopias jubatus) being held in captivity and to import and export parts from all cetaceans and pinniped species (excluding walrus) for purposes of scientific research.
Use of Indian Housing Block Grant Funds for Rental Assistance in Low-Income Housing Tax Credit Projects
Document Number: E7-11054
Type: Proposed Rule
Date: 2007-06-08
Agency: Department of Housing and Urban Development
This proposed rule would amend the Indian Housing Block Grant (IHBG) program regulations to specify the conditions under which IHBG funds may be used for project-based or tenant-based rental assistance. The proposed rule clarifies that such rental assistance may be provided in a manner consistent with assistance provided under section 8 of the United States Housing Act of 1937 on behalf of a tenant receiving assistance under the Native American Housing Assistance and Self- Determination Act of 1996 (NAHASDA).
Atlantic Highly Migratory Species (HMS); Atlantic Tuna Fisheries
Document Number: E7-11051
Type: Notice
Date: 2007-06-08
Agency: Department of Commerce, National Oceanic and Atmospheric Administration
NMFS announces public information meetings regarding the use of green-stick fishing gear in Atlantic tuna fisheries including bluefin tuna. The purpose of these meetings is to communicate details and issues related to gear authorization including gear configuration and definitions, quota management, catch reporting, and other related topics.
Submission for OMB Review; Comment Request
Document Number: E7-11050
Type: Notice
Date: 2007-06-08
Agency: Department of Education
The IC Clearance Official, Regulatory Information Management Services, Office of Management invites comments on the submission for OMB review as required by the Paperwork Reduction Act of 1995.
Agency Information Collection Activities; Submission for OMB Review; Comment Request
Document Number: E7-11049
Type: Notice
Date: 2007-06-08
Agency: Federal Trade Commission, Agencies and Commissions
The information collection requirements described below will be submitted to the Office of Management and Budget (``OMB'') for review, as required by the Paperwork Reduction Act (``PRA''). The Federal Trade Commission (``FTC'' or ``Commission'') is seeking public comments on its proposal to extend through June 30, 2010 the current OMB clearance for information collection requirements contained in its Identity Theft Report Definition Rule (``Rule''). That clearance expires on June 30, 2007.
Submission for OMB Review; Comment Request
Document Number: E7-11048
Type: Notice
Date: 2007-06-08
Agency: Department of Education
The IC Clearance Official, Regulatory Information Management Services, Office of Management invites comments on the submission for OMB review as required by the Paperwork Reduction Act of 1995.
Submission for OMB Review; Comment Request
Document Number: E7-11047
Type: Notice
Date: 2007-06-08
Agency: Department of Education
The IC Clearance Official, Regulatory Information Management Services, Office of Management invites comments on the submission for OMB review as required by the Paperwork Reduction Act of 1995.
Grantee Quarterly Progress Report; Extension of the Office of Management and Budget's (OMB) Approval of Information Collection (Paperwork) Requirements
Document Number: E7-11045
Type: Notice
Date: 2007-06-08
Agency: Department of Labor, Occupational Safety and Health Administration
OSHA solicits public comments concerning its proposal to extend OMB approval of the information collection requirements contained in the Grantee Quarterly Progress Report required by Section 21 of the Occupational Safety and Health Act of 1970 (the ``OSH Act'') (29 U.S.C. 670).
Petition for Reconsideration and Proposal for Withdrawal of Findings of Significant Contribution and Rulemaking for Georgia for Purposes of Reducing Ozone Interstate Transport
Document Number: E7-11036
Type: Proposed Rule
Date: 2007-06-08
Agency: Environmental Protection Agency
In this action, we are requesting comments on EPA's response to a Petition for Reconsideration regarding a final rule we issued under Section 110 of the Clean Air Act (CAA) related to the interstate transport of nitrogen oxides (NOX). On April 21, 2004, we issued a final rule (Phase II NOX SIP Call Rule) that required the State of Georgia to submit revisions to its State Implementation Plan (SIP) that prohibit specified amounts of NOX emissionsone of the precursors to ozone (smog) pollutionfor the purposes of reducing NOX and ozone transport across State boundaries in the eastern half of the United States. This rule became effective on June 21, 2004. Subsequently, the Georgia Coalition for Sound Environmental Policy (GCSEP or Petitioners) filed a Petition for Reconsideration requesting that EPA reconsider the applicability of the NOX SIP Call Rule to the State of Georgia. In response to this Petition, and based upon review of additional available information, EPA is proposing to remove Georgia from the NOX SIP call region. Specifically, EPA proposes to rescind the applicability of the requirements of the Phase II NOX SIP Call Rule to the State of Georgia, only.
Approval and Promulgation of Air Quality Implementation Plans; Pennsylvania; VOC and NOX
Document Number: E7-11032
Type: Rule
Date: 2007-06-08
Agency: Environmental Protection Agency
EPA is taking final action to approve revisions to the Commonwealth of Pennsylvania State Implementation Plan (SIP). The revisions were submitted by the Pennsylvania Department of Environmental Protection (PADEP) to establish and require reasonably available control technology (RACT) for five major sources of volatile organic compounds (VOC) and nitrogen oxides (NOX) pursuant to the Commonwealth of Pennsylvania's (Pennsylvania's or the Commonwealth's) SIP-approved generic RACT regulations. EPA is approving these revisions in accordance with the Clean Air Act (CAA).
Public Conduct on Bureau of Reclamation Facilities, Lands, and Waterbodies; Inclusion of Hoover Dam
Document Number: E7-11015
Type: Rule
Date: 2007-06-08
Agency: Department of the Interior, Bureau of Reclamation, Reclamation Bureau
This rule makes public conduct at Hoover Dam subject to the same rules governing public conduct at other Bureau of Reclamation facilities. In order to do this, Reclamation is removing from the Code of Federal Regulations the existing 43 CFR part 421 (Rules of Conduct at Hoover Dam) and making public conduct on all Reclamation projects subject to 43 CFR part 423 (Public Conduct on Bureau of Reclamation Facilities, Lands, and Waterbodies).
Airworthiness Directives; Goodrich Evacuation Systems Approved Under Technical Standard Order (TSO), TSO-C69, TSO-C69a, TSO-C69b, and TSO-69c, Installed on Various Boeing, McDonnell Douglas, and Airbus Transport Category Airplanes
Document Number: E7-10992
Type: Proposed Rule
Date: 2007-06-08
Agency: Federal Aviation Administration, Department of Transportation
The FAA proposes to adopt a new airworthiness directive (AD) for certain Goodrich evacuation systems approved under TSO-C69, TSO- C69a, TSO-C69b, and TSO-69c, installed on certain Boeing, McDonnell Douglas, and Airbus transport category airplanes. For certain systems, this proposed AD would require replacing the evacuation systems shear- pin restraints with new ones. For certain other systems, this proposed AD would require an inspection for manufacturing lot numbers; and a general visual inspection of the shear-pin restraint for discrepancies, and corrective actions if necessary. This proposed AD is prompted by several reports of corroded shear-pin restraints that prevented Goodrich evacuation systems from deploying properly. We are proposing this AD to prevent failure of the evacuation system, which could impede an emergency evacuation and increase the chance of injury to passengers and flightcrew during the evacuation.
Agency Information Collection Activities: Submission for OMB Review; Comment Request
Document Number: E7-10985
Type: Notice
Date: 2007-06-08
Agency: Centers for Medicare & Medicaid Services, Department of Health and Human Services
Agency Information Collection Activities: Proposed Collection; Comment Request
Document Number: E7-10984
Type: Notice
Date: 2007-06-08
Agency: Centers for Medicare & Medicaid Services, Department of Health and Human Services
Notice of Availability of the Draft Resource Management Plan and Environmental Impact Statement for the Butte Field Office, Montana
Document Number: E7-10887
Type: Notice
Date: 2007-06-08
Agency: Department of the Interior, Bureau of Land Management, Land Management Bureau
In accordance with the National Environmental Policy Act of 1969 (NEPA), and under the authority of the Federal Land Policy and Management Act of 1976 (FLPMA), a Draft Resource Management Plan and Environmental Impact Statement (DRMP/EIS) has been prepared for public lands and resources administered by the Bureau of Land Management (BLM) Butte Field Office in Montana.
Notice of Availability (NOA) of the Casper Proposed Resource Management Plan (PRMP) and associated Final Environmental Impact Statement (FEIS), Wyoming; and Notice of Supplemental Information on Proposed Areas of Critical Environmental Concern (ACEC) Provided in the Casper Draft Resource Management Plan (RMP) and Associated Draft Environmental Impact Statement (EIS), Wyoming
Document Number: E7-10886
Type: Notice
Date: 2007-06-08
Agency: Department of the Interior, Bureau of Land Management, Land Management Bureau
(1) In accordance with the National Environmental Policy Act of 1969 (NEPA, 42 U.S.C. 4321 et seq.) and the Federal Land Policy and Management Act of 1976 (FLPMA, 43 U.S.C. 1701 et seq.), the Bureau of Land Management (BLM) with its cooperating agencies has prepared a Proposed RMP and Final EIS for the Casper Field Office. The document is available for public review. (2) Pursuant to FLPMA, the BLM also announces the availability of supplemental information regarding proposed ACECs that were considered in the Draft Resource Management Plan/Draft Environmental Impact Statement (DRMP/DEIS), but only partially described in the original NOA published in the Federal Register (Vol. 71, No. 140) on July 21, 2006. This notice of supplemental information fulfills an administrative procedural requirement and presents no new information that was not already made available to the public during the previous 90-day comment period on the DRMP/DEIS.
Federal Property Suitable as Facilities To Assist the Homeless
Document Number: E7-10827
Type: Notice
Date: 2007-06-08
Agency: Department of Housing and Urban Development
This Notice identifies unutilized, underutilized, excess, and surplus Federal property reviewed by HUD for suitability for possible use to assist the homeless.
Customer Proprietary Network Information
Document Number: E7-10734
Type: Proposed Rule
Date: 2007-06-08
Agency: Federal Communications Commission, Agencies and Commissions
The Federal Communications Commission (Commission) adopted a further notice of proposed rulemaking (Further NPRM) seeking comment on what steps the Commission should take, if any, to implement section 222 of the Communications Act of 1934, as amended, which governs carriers' use and disclosure of customer proprietary network information. Through this Further NRPM, the Commission seeks comment on whether the Commission should act to expand its CPNI rules further, and whether it should expand the consumer protections to ensure that customer information and CPNI are protected in the context of mobile communication devices.
Customer Proprietary Network Information
Document Number: E7-10732
Type: Rule
Date: 2007-06-08
Agency: Federal Communications Commission, Agencies and Commissions
The Commission adopted rules to implement section 222 of the Communications Act of 1934, as amended, which governs carriers' use and disclosure of customer proprietary network information. In this document, the Commission responds to the practice of ``pretexting'' by strengthening its rules to protect the privacy of customer proprietary network information (CPNI) that is collected and held by providers of communications services.
Customer Proprietary Network Information
Document Number: E7-10722
Type: Rule
Date: 2007-06-08
Agency: Federal Communications Commission, Agencies and Commissions
The Commission adopted rules to implement section 222 of the Communications Act of 1934, as amended, which governs carriers' use and disclosure of customer proprietary network information. The rules in Sec. Sec. 64.2007, 64.2008, and 64.2009 required Office of Management and Budget approval and the Commission stated previously in its Federal Register publication that it would announce the effective date of these rules when approved. This document announces the effective date of these rules.
Procedural Rules for DOE Nuclear Activities and Occupational Radiation Protection
Document Number: E7-10477
Type: Rule
Date: 2007-06-08
Agency: Department of Energy
The Department of Energy (DOE) today amends its Procedural Rules for DOE Nuclear Activities, and its Occupational Radiation Protection requirements. The amendments to 10 CFR part 820, the Procedural Rules for DOE Nuclear Activities, update its provisions to take into account the establishment of the National Nuclear Security Administration (NNSA). The amendments to 10 CFR part 835, the Occupational Radiation Protection requirements, update its provisions to account for lessons learned since the initial adoption of these regulations, comments from the Defense Nuclear Facilities Safety Board (DNFSB) and members of the public, new recommendations from the International Commission on Radiological Protection (ICRP), and the establishment of the NNSA.
Flag Day and National Flag Week, 2007
Document Number: 07-2892
Type: Proclamation
Date: 2007-06-08
Agency: Executive Office of the President, Presidential Documents
Partial Resumption of Travel to Lebanon To Promote Peace and Security
Document Number: 07-2886
Type: Administrative Order
Date: 2007-06-08
Agency: Executive Office of the President, Presidential Documents
Notice of Sunshine Act Meeting
Document Number: 07-2882
Type: Notice
Date: 2007-06-08
Agency: Broadcasting Board of Governors, Agencies and Commissions
Agency Information Collection Activities: Proposed Collection; Comment Request
Document Number: 07-2871
Type: Notice
Date: 2007-06-08
Agency: Department of Health and Human Services, Substance Abuse and Mental Health Services Administration
Demonstration Project on NAFTA Trucking Provisions
Document Number: 07-2870
Type: Notice
Date: 2007-06-08
Agency: Federal Motor Carrier Safety Administration, Department of Transportation
The FMCSA announces additional details about the initiation of a project to demonstrate the ability of Mexico-domiciled motor carriers to operate safely in the United States beyond the commercial zones along the U.S.-Mexico border. On May 1, 2007, FMCSA published a notice in the Federal Register announcing its plans to initiate the project as part of the Agency's implementation of the North American Free Trade Agreement (NAFTA) cross-border trucking provisions. In response to section 6901(b)(2)(B) of the ``U.S. Troop Readiness, Veterans'' Care, Katrina Recovery, and Iraq Accountability Appropriations Act, 2007,'' FMCSA provides for public comment certain additional details concerning the demonstration project. The FMCSA will carefully consider all comments received in response to the May 1, 2007, notice and this supplemental notice before further decisions are made concerning the implementation of the NAFTA trucking demonstration/pilot project.
Drawbridge Operation Regulations; Raritan River, Arthur Kill, and Their Tributaries, NJ
Document Number: 07-2869
Type: Rule
Date: 2007-06-08
Agency: Coast Guard, Department of Homeland Security
The Coast Guard is canceling the temporary deviation concerning the test operating schedule governing the AK Railroad Bridge across Arthur Kill at mile 11.6 between Staten Island, New York and Elizabeth, New Jersey. This deviation is canceled because the test schedule proved ineffective. In addition, the Commander, First Coast Guard District, has issued a new temporary deviation from the regulation governing the operation of the AK Railroad Bridge. This new temporary deviation requires the AK Railroad Bridge to remain in the open position at all times, except that, the draw would close for the passage of trains for two daily thirty minute closure periods within a designated one hour time frame on a fixed schedule with a one hour adjustment whenever high water occurs during or up to one hour after the applicable closure period. In addition, a number of unscheduled requests for thirty minute closure periods may be granted by the Coast Guard within one to three hours of receipt of the request. The purpose of this deviation is to test a new temporary change to the drawbridge operation schedule to help determine the most equitable and safe solution to facilitate the present and anticipated needs of navigation and rail traffic.
Federal Acquisition Regulation; Information Collection; Contract Financing
Document Number: 07-2863
Type: Notice
Date: 2007-06-08
Agency: General Services Administration, Agencies and Commissions, National Aeronautics and Space Administration, Department of Defense
Under the provisions of the Paperwork Reduction Act of 1995 (44 U.S.C. Chapter 35), the Federal Acquisition Regulation (FAR) Secretariat will be submitting to the Office of Management and Budget (OMB) a request to review and approve an extension to a currently approved information collection requirement concerning contract financing. The clearance currently expires on October 31, 2007. Public comments are particularly invited on: Whether this collection of information is necessary for the proper performance of functions of the FAR, and whether it will have practical utility; whether our estimate of the public burden of this collection of information is accurate, and based on valid assumptions and methodology; ways to enhance the quality, utility, and clarity of the information to be collected; and ways in which we can minimize the burden of the collection of information on those who are to respond, through the use of appropriate technological collection techniques or other forms of information technology.
National Committee on Vital and Health Statistics: Meeting
Document Number: 07-2861
Type: Notice
Date: 2007-06-08
Agency: Department of Health and Human Services
Submission for OMB Review; Comment Request
Document Number: 07-2860
Type: Notice
Date: 2007-06-08
Agency: Department of the Treasury, Department of Treasury
Illustrations of Consumer Information for Nontraditional Mortgage Products
Document Number: 07-2859
Type: Notice
Date: 2007-06-08
Agency: Federal Deposit Insurance Corporation, Agencies and Commissions, Federal Reserve System, National Credit Union Administration, Office of the Comptroller of the Currency, Department of Treasury, Department of the Treasury, Office of Thrift Supervision, Comptroller of the Currency
The Agencies are publishing three documents that set forth Illustrations of Consumer Information for Nontraditional Mortgage Products. The illustrations are intended to assist institutions in implementing the consumer protection portion of the Interagency Guidance on Nontraditional Mortgage Product Risks (Interagency NTM Guidance) adopted on October 4, 2006. 71 FR 58609 (Oct. 4, 2006). The illustrations are not model forms and institutions may choose not to use them in providing information to consumers on nontraditional mortgage products as recommended in the Interagency NTM Guidance.
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