Equal Credit Opportunity, 33662-33663 [E8-13222]

Download as PDF 33662 Federal Register / Vol. 73, No. 115 / Friday, June 13, 2008 / Rules and Regulations Regulatory Flexibility Act It has been determined under the Regulatory Flexibility Act (5 U.S.C. chapter 6) that this rule does not have a significant economic impact on a substantial number of small entities because it primarily affects Commission employees. Paperwork Reduction Act It has been determined that the Paperwork Reduction Act (44 U.S.C. chapter 35) does not apply to this rulemaking document because it does not contain any information collection requirements that require the approval of the Office of Management and Budget. Congressional Review Act The Commission has determined that this rulemaking is not a rule as defined in 5 U.S.C. 804, and, thus, does not require review by Congress. List of Subjects in 5 CFR Part 7801 Conflict of interests, Government employees. Dated: March 28, 2008. Emma Monroig, Solicitor and Designated Agency Ethics Official, United States Commission on Civil Rights. Dated: March 28, 2008. Robert Lerner, Assistant Staff Director for Civil Rights Enforcement, Delegated Duties of the Staff Director, United States Commission on Civil Rights. Approved: April 2, 2008. Robert I. Cusick, Director, Office of Government Ethics. For the reasons set forth in this preamble, the United States Commission on Civil Rights, with the concurrence of the Office of Government Ethics, is amending title 5 of the Code of Federal Regulations by adding a new chapter LXVIII, consisting of part 7801, to read as follows: I CHAPTER LXVIII—COMMISSION ON CIVIL RIGHTS PART 7801—SUPPLEMENTAL STANDARDS OF ETHICAL CONDUCT FOR EMPLOYEES OF THE UNITED STATES COMMISSION ON CIVIL RIGHTS mstockstill on PROD1PC66 with RULES Sec. 7801.101 General. 7801 .102 Prior approval for outside employment Authority: 5 U.S.C. 7301; 5 U.S.C. App. (Ethics in Government Act of 1978); 42 U.S.C. 1975b(d); E.O. 12674, 54 FR 15159, 3 CFR, 1989 Comp., p. 215, as modified by E.O. 12731, 55 FR 42547, 3 CFR, 1990 Comp., p. 306; 5 CFR 2635.105, 2635.803. VerDate Aug<31>2005 16:26 Jun 12, 2008 Jkt 214001 § 7801.101 General. (a) Purpose. In accordance with 5 CFR 2635.105, the regulations in this part apply to employees of the United States Commission on Civil Rights (Commission) and supplement the Standards of Ethical Conduct for Employees of the Executive Branch contained at 5 CFR part 2635. Employees of the Commission are required to comply with this part, 5 CFR part 2635, the executive branchwide financial disclosure and financial interests regulations at 5 CFR parts 2634 and 2640, and implementing guidance and procedures. Commission employees are also subject to the executive branch regulations on responsibilities and conduct at 5 CFR part 735. (b) Definition. The Designated Agency Ethics Official (DAEO) is the Solicitor for the Commission. § 7801.102 Prior approval for outside employment. (a) An employee, other than a special Government employee, of the Commission who wishes to engage in outside employment shall first obtain the approval, in writing, of the Designated Agency Ethics Official (DAEO). Volunteer professional services, however, may be ‘‘generally approved’’ in advance as described in paragraph (e) of this section. (b) Standard for approval. Approval shall be granted by the DAEO only upon a determination that the prospective outside employment is not expected to involve conduct prohibited by statute or Federal regulation, including 5 CFR part 2635. (c) Upon a significant change in the nature or scope of the outside employment or the employee’s official position, the employee must submit a revised request for approval. (d) For purposes of this section, ‘‘outside employment’’ means any form of non-Federal employment, business relationship or activity involving the provision of personal services by the employee, whether or not for compensation. It includes, but is not limited to, personal services as an officer, director, employee, agent, attorney, consultant, contractor, general partner, trustee, teacher, or speaker. It includes writing done under an arrangement with another person for production or publication of the written product. It does not, however, include participation in the activities of a nonprofit charitable, religious, professional, social, fraternal, educational, recreational, public service, or civic organization, unless such activities involve the provision of professional services or advice or are for PO 00000 Frm 00002 Fmt 4700 Sfmt 4700 compensation other than reimbursement of expenses. (e)(1) The Commission may designate volunteer activities as ‘‘generally approved,’’ or preapproved by the DAEO, in order to facilitate the participation of the Commission’s professional and nonprofessional staff (whether involving legal or non-legal services). Non-representational pro bono legal services designated as ‘‘generally approved’’ require employees to notify the DAEO, the General Counsel (GC), and the employee’s supervisor (if different from the GC) prior to the employee’s participation; however, no additional prior approval is required. Representational pro bono legal services designated as ‘‘generally approved’’ still require prior case-specific written approval by the DAEO pursuant to this section, and notification of the GC and the employee’s supervisor (if different from the GC). Non-legal professional volunteer activities designated as ‘‘generally approved’’ require employees to notify their supervisor and the DAEO. However, no additional prior written approval is required. (2) To provide professional services or advice to a program or activity not designated as ‘‘generally approved,’’ the employee must notify his or her supervisor and submit a written request and justification in advance to the DAEO. In addition, in order to provide pro bono legal services the employee must notify the GC (if the GC is not the employee’s supervisor). If providing representational pro bono legal services, the employee must also obtain written case-specific prior approval from the DAEO pursuant to this section. All requests for approval submitted to the DAEO must reflect that the required notifications were made by the employee. All DAEO approvals must be in writing. [FR Doc. E8–13170 Filed 6–12–08; 8:45 am] BILLING CODE 6335–01–M FEDERAL RESERVE SYSTEM 12 CFR Part 202 [Regulation B; Docket No. R–1295] Equal Credit Opportunity Board of Governors of the Federal Reserve System. ACTION: Final Rule; technical amendment. AGENCY: SUMMARY: The Board is publishing amendments to Regulation B (Equal Credit Opportunity Act) to update the address where questions should be E:\FR\FM\13JNR1.SGM 13JNR1 mstockstill on PROD1PC66 with RULES Federal Register / Vol. 73, No. 115 / Friday, June 13, 2008 / Rules and Regulations directed concerning creditors for which the Federal Reserve System administers compliance with the regulation. DATES: Effective Date: June 13, 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) 452–3946. For the users of Telecommunications Device for the Deaf (‘‘TDD’’) only, contact (202) 263–4869. SUPPLEMENTARY INFORMATION: 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 actions. 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 recently established a centralized Federal Reserve Consumer Help Center (‘‘Help Center’’) for receiving inquiries about creditors for which the Board enforces Regulation B. In September 2007, the Board revised the name and address in Appendix A to reflect the Help Center’s address. 72 FR 55020 (Sept. 28, 2007). Although this change was effective October 29, 2007, creditors have until October 1, 2008 to include the new name and address on their adverse action notices. The amendment being made today does not affect that requirement. The Board has also established centralized telephone numbers that consumers can use to contact the Help Center and inquire about creditors for which the Board enforces Regulation B. In the September 2007 Federal Register notice, the Board included these telephone numbers in Appendix A. As a result, the Board has received VerDate Aug<31>2005 16:26 Jun 12, 2008 Jkt 214001 questions about whether the telephone numbers must be included in creditors’ adverse action notices. Section 202.9 of Regulation B does not require creditors to include telephone, facsimile, or TDD numbers in their adverse action notices. Accordingly, to clarify the matter, the Board is amending Appendix A of Regulation B to eliminate the reference to the telephone numbers. The mandatory compliance date remains October 1, 2008. List of Subjects in 12 CFR Part 202 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. 2. Appendix A to part 202 is amended by revising the third paragraph to read as follows: I Appendix A to Part 202—Federal Enforcement Agencies * * * * * 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. * * * * * By order of the Board of Governors of the Federal Reserve System, acting through the Secretary of the Board under delegated authority, June 9, 2008. Jennifer J. Johnson, Secretary of the Board. [FR Doc. E8–13222 Filed 6–12–08; 8:45 am] BILLING CODE 6210–01–P PO 00000 33663 DEPARTMENT OF TRANSPORTATION Federal Aviation Administration 14 CFR Part 39 [Docket No. FAA–2007–0290; Directorate Identifier 2007–NM–250–AD; Amendment 39–15557; AD 2006–16–18 R1] RIN 2120–AA64 Airworthiness Directives; Sandel Avionics Incorporated Model ST3400 Terrain Awareness Warning System/ Radio Magnetic Indicator (TAWS/RMI) Units Approved Under Technical Standard Order(s) C113, C151a, or C151b; Installed on Various Small and Transport Category Airplanes Federal Aviation Administration (FAA), Department of Transportation (DOT). ACTION: Final rule. AGENCY: SUMMARY: The FAA is revising an existing airworthiness directive (AD) that applies to Sandel Avionics Incorporated Model ST3400 TAWS/RMI units as described above. The existing AD currently requires installing a warning placard on the TAWS/RMI and revising the Limitations section of the airplane flight manual (AFM). The existing AD also requires installing upgraded software in the TAWS/RMI. This new AD allows installing later revisions of the software described in the existing AD. This AD results from a report that an in-flight bearing error occurred in a Model ST3400 TAWS/ RMI configured to receive bearing information from a very high frequency omnidirectional range (VOR) receiver interface via a composite video signal, due to a combination of input signal fault and software error. We are issuing this AD to prevent a bearing error, which could lead to an airplane departing from its scheduled flight path, which could result in a reduction in separation from, and a possible collision with, other aircraft or terrain. DATES: This AD is effective July 18, 2008. On September 25, 2006 (71 FR 48461, August 21, 2006), the Director of the Federal Register approved the incorporation by reference of Sandel ST3400 Service Bulletin SB3400–01, Revision B, dated September 15, 2004. ADDRESSES: For service information identified in this AD, contact Sandel Avionics Incorporated (Sandel), 2401 Dogwood Way, Vista, California 92081. Examining the AD Docket You may examine the AD docket on the Internet at http:// Frm 00003 Fmt 4700 Sfmt 4700 E:\FR\FM\13JNR1.SGM 13JNR1

Agencies

[Federal Register Volume 73, Number 115 (Friday, June 13, 2008)]
[Rules and Regulations]
[Pages 33662-33663]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: E8-13222]


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FEDERAL RESERVE SYSTEM

12 CFR Part 202

[Regulation B; Docket No. R-1295]


Equal Credit Opportunity

AGENCY: Board of Governors of the Federal Reserve System.

ACTION: Final Rule; technical amendment.

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SUMMARY: The Board is publishing amendments to Regulation B (Equal 
Credit Opportunity Act) to update the address where questions should be

[[Page 33663]]

directed concerning creditors for which the Federal Reserve System 
administers compliance with the regulation.

DATES: Effective Date: June 13, 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) 452-3946. For the 
users of Telecommunications Device for the Deaf (``TDD'') only, contact 
(202) 263-4869.

SUPPLEMENTARY INFORMATION: 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 actions. 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 recently established a centralized Federal Reserve 
Consumer Help Center (``Help Center'') for receiving inquiries about 
creditors for which the Board enforces Regulation B. In September 2007, 
the Board revised the name and address in Appendix A to reflect the 
Help Center's address. 72 FR 55020 (Sept. 28, 2007). Although this 
change was effective October 29, 2007, creditors have until October 1, 
2008 to include the new name and address on their adverse action 
notices. The amendment being made today does not affect that 
requirement.
    The Board has also established centralized telephone numbers that 
consumers can use to contact the Help Center and inquire about 
creditors for which the Board enforces Regulation B. In the September 
2007 Federal Register notice, the Board included these telephone 
numbers in Appendix A. As a result, the Board has received questions 
about whether the telephone numbers must be included in creditors' 
adverse action notices. Section 202.9 of Regulation B does not require 
creditors to include telephone, facsimile, or TDD numbers in their 
adverse action notices. Accordingly, to clarify the matter, the Board 
is amending Appendix A of Regulation B to eliminate the reference to 
the telephone numbers. The mandatory compliance date remains October 1, 
2008.

List of Subjects in 12 CFR Part 202

    Aged, Banks, banking, Civil rights, Consumer protections, Credit, 
Discrimination, Federal Reserve System, Marital status discrimination, 
Penalties, Religious discrimination, Sex discrimination.

Authority and Issuance

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

PART 202--EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)

0
1. The authority citation for part 202 continues to read as follows:

    Authority: Section 15 U.S.C. 1691-1691f.


0
2. Appendix A to part 202 is amended by revising the third paragraph to 
read as follows:

Appendix A to Part 202--Federal Enforcement Agencies

* * * * *
    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.
* * * * *

    By order of the Board of Governors of the Federal Reserve 
System, acting through the Secretary of the Board under delegated 
authority, June 9, 2008.
Jennifer J. Johnson,
Secretary of the Board.
[FR Doc. E8-13222 Filed 6-12-08; 8:45 am]
BILLING CODE 6210-01-P