Unfair or Deceptive Acts or Practices, 55020-55021 [E7-19137]

Download as PDF 55020 Federal Register / Vol. 72, No. 188 / Friday, September 28, 2007 / Rules and Regulations 452–3946. For the users of Telecommunications Device for the Deaf (‘‘TDD’’) only, contact (202) 263–4869. I Appendix A to Part 202—Federal Enforcement Agencies [Regulation B; Docket No. R–1295] The Equal Credit Opportunity Act (ECOA), 15 U.S.C. 1691–1691f, makes it unlawful for a creditor to discriminate against an applicant in any aspect of a credit transaction on the basis of the applicant’s national origin, marital status, religion, sex, color, race, age (provided the applicant has the capacity to contract), receipt of public assistance benefits, or the good faith exercise of a right under the Consumer Credit Protection Act, 15 U.S.C. 1601 et seq. The ECOA is implemented by the Board’s Regulation B. In addition to the general prohibition against discrimination, Regulation B contains specific rules concerning the taking and evaluation of credit applications, including procedures and notices for credit denials and other adverse action. Under section 202.9 of Regulation B, notification given to an applicant when adverse action is taken must contain the name and address of the federal agency that administers compliance with respect to the creditor. Appendix A of Regulation B contains the names and addresses of the enforcement agencies where questions concerning a particular creditor shall be directed. The Board is establishing a centralized address and telephone number for receiving inquiries about creditors for which the Board enforces Regulation B. This amendment updates the address in Appendix A to reflect this change. Creditors have until October 1, 2008, the mandatory compliance date, to include the new address and telephone number on their adverse action notices. Equal Credit Opportunity 12 CFR Chapter II Board of Governors of the Federal Reserve System. ACTION: Final Rule; Conforming references. List of Subjects in 12 CFR Part 202 problems in accessing the documents located in ADAMS, contact the PDR Reference staff at 1–800–397–4209, 301– 415–4737. FOR FURTHER INFORMATION CONTACT: Cindy K. Bladey, Office of Administration, U.S. Nuclear Regulatory Commission, Washington, DC 20555, telephone (301) 415–6978 (e-mail: cxb6@nrc.gov). On August 10, 2007, (72 FR 44951), the NRC published a direct final rule amending its regulations in 10 CFR parts 2 and 171 to revise the size standards it uses to qualify an NRC licensee as a small entity under the Regulatory Flexibility Act. This amendment increases the receipts-based small business size standard from $5 million to $6.5 million. In the direct final rule, NRC stated that if no significant adverse comments were received, the direct final rule would become final on October 24, 2007. The NRC did not receive any comments that warranted withdrawal of the direct final rule. Therefore, this rule will become effective as scheduled. SUPPLEMENTARY INFORMATION: Dated at Rockville, Maryland, this 21st day of September, 2007. For the Nuclear Regulatory Commission. Michael T. Lesar, Chief, Rulemaking, Directives and Editing Branch, Division of Administrative Services, Office of Administration. [FR Doc. E7–19255 Filed 9–27–07; 8:45 am] BILLING CODE 7590–01–P FEDERAL RESERVE SYSTEM 12 CFR Part 202 rwilkins on PROD1PC63 with RULES AGENCY: SUMMARY: The Board is publishing amendments to Regulation B (Equal Credit Opportunity Act) to update the address where questions should be directed concerning creditors for which the Federal Reserve System administers compliance with the regulation. DATES: Effective Date: October 29, 2007. Compliance is optional until October 1, 2008. FOR FURTHER INFORMATION CONTACT: Yvonne Cooper, Manager, Consumer Complaints, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve System, at (202) VerDate Aug<31>2005 18:21 Sep 27, 2007 Jkt 211001 SUPPLEMENTARY INFORMATION: Aged, Banks, Banking, Civil rights, Consumer protections, Credit, Discrimination, Federal Reserve System, Marital status discrimination, Penalties, Religious discrimination, Sex discrimination. Authority and Issuance For the reasons set forth in the preamble, the Board amends 12 CFR part 202 to read as follows: I PART 202—EQUAL CREDIT OPPORTUNITY ACT (REGULATION B) 1. The authority citation for part 202 continues to read as follows: I Authority: Section 15 U.S.C. 1691–1691f. PO 00000 Frm 00010 Fmt 4700 Sfmt 4700 2. Appendix A is amended by revising the following Federal Enforcement Agency address to read as follows: * * * * * State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and insured state branches of foreign banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act: Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480, toll-free number: (888) 851–1920, fax number: (877) 888–2520, TDD number: (877) 766–8533. * * * * * By order of the Board of Governors of the Federal Reserve System, acting through the Secretary of the Board under delegated authority, September 24, 2007. Jennifer J. Johnson, Secretary of the Board. [FR Doc. E7–19136 Filed 9–27–07; 8:45 am] BILLING CODE 6210–01–P FEDERAL RESERVE SYSTEM 12 CFR Part 227 [Regulation AA; Docket No. R–1296] Unfair or Deceptive Acts or Practices Board of Governors of the Federal Reserve System. ACTION: Final rule; conforming references. AGENCY: SUMMARY: The Board is publishing amendments to Regulation AA (Unfair or Deceptive Acts or Practices) to update the address where consumer complaints regarding a state member bank may be sent. EFFECTIVE DATE: October 29, 2007. FOR FURTHER INFORMATION CONTACT: Yvonne Cooper, Manager, Consumer Complaints, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve System, at (202) 452–3946. For the users of Telecommunications Device for the Deaf (‘‘TDD’’) only, contact (202) 263–4869. SUPPLEMENTARY INFORMATION: The Federal Trade Commission Act requires the Board to establish a separate division of consumer affairs to receive and take appropriate action upon complaints about unfair or deceptive acts or practices for banks under its jurisdiction. See 15 U.S.C. 57a(f). The procedures for submitting consumer complaints are contained in the Board’s Regulation AA (12 CFR part 227). The regulation currently directs consumers E:\FR\FM\28SER1.SGM 28SER1 Federal Register / Vol. 72, No. 188 / Friday, September 28, 2007 / Rules and Regulations having complaints regarding a state member bank to submit the complaint to the Board or the Federal Reserve Bank of the district in which the bank is located. 12 CFR 227.2(a). The Board is establishing a centralized location for the administrative processing of consumer complaints. Accordingly, the Board is amending Regulation AA to reflect the new address where such complaints should be sent and to provide a telephone number consumers can use to submit complaints. List of Subjects in 12 CFR Part 227 Banks, banking, Consumer protection, Credit, Federal Reserve System, Finance. Authority and Issuance For the reasons set forth in the preamble, the Board amends 12 CFR part 227 to read as follows: I PART 227—UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA) 1. The authority citation for part 227 continues to read as follows: I Authority: Section 18(f) of the Federal Trade Commission Act (15 U.S.C. 57a). Subpart A—Consumer Complaints 2. Section 227.2—ConsumerComplaint Procedure, paragraph (a)(2) is revised to read as follows: I § 227.2 Consumer complaint procedure. (a) * * * (2) Consumer complaints should be made to—Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480, Toll-free number: (888) 851–1920, Fax number: (877) 888–2520, TDD number: (877) 766–8533. * * * * * By order of the Board of Governors of the Federal Reserve System, acting through the Secretary of the Board under delegated authority, September 24, 2007. Jennifer J. Johnson, Secretary of the Board. [FR Doc. E7–19137 Filed 9–27–07; 8:45 am] rwilkins on PROD1PC63 with RULES BILLING CODE 6210–01–P VerDate Aug<31>2005 18:21 Sep 27, 2007 Jkt 211001 DEPARTMENT OF TRANSPORTATION Federal Aviation Administration 14 CFR Parts 61, 63, 65, and 187 [Docket No.: FAA–2007–27043; Amendment Nos. 61–116, 63–35, 65–49, 187–4] RIN 2120–AI77 Fees for Certification Services and Approvals Performed Outside the United States Federal Aviation Administration, DOT. ACTION: Direct final rule; confirmation of effective date. AGENCY: SUMMARY: On April 12, 2007, the FAA issued a direct final rule, ‘‘Fees for Certification Services and Approvals Performed Outside the United States,’’ which amended the regulations pertaining to payment of fees to the Federal Aviation Administration (FAA) for certification services performed outside the United States. This rule also amended the regulations where it is unclear that fees for airmen certification services apply to all applicants located outside the United States, regardless of citizenship. This notice confirms the effective date of the direct final rule. DATES: The effective date for the direct final rule published on April 12, 2007 (72 FR 18556) is confirmed as June 11, 2007. ADDRESS: The complete docket for the direct final rule can be identified by Docket Number FAA–2007–27043. You may examine the docket through the DOT Docket Web site at http:// dms.dot.gov or visit the Docket Management Facility at 1200 New Jersey Avenue, SE., West Building, Ground Floor, Room W12–140, Washington, DC 20590–001, between the hours of 9 a.m. and 5 p.m., Monday through Friday, except Federal holidays. FOR FURTHER INFORMATION CONTACT: Ida M. Klepper, FAA, Office of Rulemaking, ARM–100; 800 Independence Ave., SW., Washington, DC 20591, Telephone: 202–267–9677, Fax: 202–267–5075. SUPPLEMENTARY INFORMATION: Background On April 12, 2007 the FAA published a direct final rule (72 FR 18556) amending § 187.15(a) to allow the use of a credit card to pay fees to the FAA for certification services performed outside the United States. Until now, fees could only be paid by check, money order, wire transfer, or draft, payable in U.S. currency and drawn on a U.S. bank. Section 187.15(d) already allows the use of a credit card to remit amounts less PO 00000 Frm 00011 Fmt 4700 Sfmt 4700 55021 than $1,000 for certain aircraft flights transiting U.S. controlled airspace. The direct final rule revised sections (a) and (d) to bring consistency to the methods of payment. In 1995 the FAA published a final rule (60 FR 19631) amending 14 CFR part 187. During this time the FAA offices were not set up to receive credit card payments and therefore credit card payments were specifically omitted from the 1995 rulemaking. As technology advanced over the years credit card payments became an accepted practice within the FAA accounting systems and offices. Therefore the FAA began collecting user fees by credit card allowing more timely receipt and providing customers with a convenient method to pay for services. This direct final rule also revised §§ 61.13(a)(2), 63.11 and 65.11. In the 1995 final rule that amended fees under part 187, appendix A, the issue that was specifically addressed was that user fees extended to all applicants located outside the United States, regardless of citizenship. The 1995 final rule brought these regulations in line with the nondiscrimination principles of multilateral trade agreements to which the U.S. is a signatory. Those included the principles of the General Agreement on Tariffs and Trade (GATT), including the GATT Aircraft Code and the General Agreement on Trade in Services. When part 187 was initially amended in 1995, §§ 61.13(a)(2), 63.11 and 65.11 were not revised for consistency, the direct final rule corrects this inconsistency. Before the direct final rule became effective § 61.13(a)(2) required an ‘‘applicant who is neither a citizen of the United States nor a resident alien of the United States’’ to show evidence of paying the correct fee prescribed in appendix A to part 187. This evidence was to be presented when the person applied for a student pilot certificate issued outside the United States or a knowledge test or practical test administered outside the United States. The direct final rule revised the wording to make it clear that an applicant’s citizenship is not at issue. The revised wording now states the fees are for ‘‘airmen certification services.’’ There is no need to enumerate those services because they are addressed in part 187, appendix A. Before the direct final rule became effective §§ 63.11 and 65.11 stated: ‘‘Each person who is neither a United States citizen nor a resident alien and applies for written or practical test to be administered outside the United States for any certificate or rating issued under this part must show evidence the fee prescribed in appendix A of part 187 of E:\FR\FM\28SER1.SGM 28SER1

Agencies

[Federal Register Volume 72, Number 188 (Friday, September 28, 2007)]
[Rules and Regulations]
[Pages 55020-55021]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: E7-19137]


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FEDERAL RESERVE SYSTEM

12 CFR Part 227

[Regulation AA; Docket No. R-1296]


Unfair or Deceptive Acts or Practices

AGENCY: Board of Governors of the Federal Reserve System.

ACTION: Final rule; conforming references.

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SUMMARY: The Board is publishing amendments to Regulation AA (Unfair or 
Deceptive Acts or Practices) to update the address where consumer 
complaints regarding a state member bank may be sent.

EFFECTIVE DATE: October 29, 2007.

FOR FURTHER INFORMATION CONTACT: Yvonne Cooper, Manager, Consumer 
Complaints, Division of Consumer and Community Affairs, Board of 
Governors of the Federal Reserve System, at (202) 452-3946. For the 
users of Telecommunications Device for the Deaf (``TDD'') only, contact 
(202) 263-4869.

SUPPLEMENTARY INFORMATION: The Federal Trade Commission Act requires 
the Board to establish a separate division of consumer affairs to 
receive and take appropriate action upon complaints about unfair or 
deceptive acts or practices for banks under its jurisdiction. See 15 
U.S.C. 57a(f). The procedures for submitting consumer complaints are 
contained in the Board's Regulation AA (12 CFR part 227). The 
regulation currently directs consumers

[[Page 55021]]

having complaints regarding a state member bank to submit the complaint 
to the Board or the Federal Reserve Bank of the district in which the 
bank is located. 12 CFR 227.2(a). The Board is establishing a 
centralized location for the administrative processing of consumer 
complaints. Accordingly, the Board is amending Regulation AA to reflect 
the new address where such complaints should be sent and to provide a 
telephone number consumers can use to submit complaints.

List of Subjects in 12 CFR Part 227

    Banks, banking, Consumer protection, Credit, Federal Reserve 
System, Finance.

Authority and Issuance

0
For the reasons set forth in the preamble, the Board amends 12 CFR part 
227 to read as follows:

PART 227--UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA)

0
1. The authority citation for part 227 continues to read as follows:

    Authority: Section 18(f) of the Federal Trade Commission Act (15 
U.S.C. 57a).

Subpart A--Consumer Complaints

0
2. Section 227.2--Consumer-Complaint Procedure, paragraph (a)(2) is 
revised to read as follows:


Sec.  227.2  Consumer complaint procedure.

    (a) * * *
    (2) Consumer complaints should be made to--Federal Reserve Consumer 
Help Center, P.O. Box 1200, Minneapolis, MN 55480, Toll-free number: 
(888) 851-1920, Fax number: (877) 888-2520, TDD number: (877) 766-8533.
* * * * *

    By order of the Board of Governors of the Federal Reserve 
System, acting through the Secretary of the Board under delegated 
authority, September 24, 2007.
Jennifer J. Johnson,
Secretary of the Board.
 [FR Doc. E7-19137 Filed 9-27-07; 8:45 am]
BILLING CODE 6210-01-P