Seney National Wildlife Refuge, Schoolcraft County, MI, 51506-51507 [E8-20351]
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51506
Federal Register / Vol. 73, No. 171 / Wednesday, September 3, 2008 / Notices
The upfront and annual premiums on
mortgages for which new FHA case
number assignments are made on or
after October 1, 2008 and before October
1, 2009, are as follows:
Upfront Premiums: FHA will charge
an upfront premium in an amount equal
to the following percentages of the
mortgage:
• Purchase Money Mortgages and
Full-Credit Qualifying Refinances = 1.75
Percent
• Streamline Refinances (all types) =
1.50 Percent
• FHASecure (Delinquent
Mortgagors) = 3.00 Percent.
Annual Premiums: An annual
premium, shown in basis points below,
to be remitted on a monthly basis, will
also be charged based on the initial
loan-to-value ratio and length of the
mortgage (except for FHASecure
delinquent mortgages) according to the
following schedule:
• Purchase Money Mortgages, FullQualifying Refinances, and Streamline
Refinances:
LTV
Annual for Loans
>15 years
LTV
Annual for Loans
≤15 years
≤95 ........................................................................
>95 ........................................................................
50
55
≤90 ........................................................................
>90 ........................................................................
None
25
• FHASecure (delinquent
mortgagors):
LTV
Annual
(all loan terms)
≤95 ................................
>95 ................................
50
55
FHA will issue another notice that
will formally advise when the
moratorium is concluded and the
premium pricing structure that should
be followed once the moratorium ends.
sroberts on PROD1PC70 with NOTICES
V. Additional Premium Pricing
Requirements
All FHA-approved mortgagees must
begin to modify their systems and
procedures to be in compliance with the
following additional requirements
applicable to any mortgages for which
new FHA case number assignments are
made on or after October 1, 2008 and
before October 1, 2009:
1. The LTV ratio, computed to two
decimals (e.g., 95.65) is calculated by
dividing the mortgage amount prior to
adding on any upfront mortgage
insurance premium by the property’s
sale price or appraised value, whichever
is lower.
2. Borrowers who have decision credit
scores below 500 must have loan-tovalue ratios less than 90 percent to
qualify for an FHA-insured mortgage.
3. A ‘‘decision credit score’’ is
determined for each applicant according
to the following guidelines: when three
scores are available (one from each
national consumer reporting agency:
Equifax, TransUnion, and Experian),
the middle value is used; when only
two are available, the lesser of the two
is chosen; when only one is available,
then that score is used. If more than one
individual is applying for the same
mortgage, the lender should determine
the decision credit score for each
individual borrower and then use the
lowest score to determine the final
decision credit score for the application.
VerDate Aug<31>2005
22:59 Sep 02, 2008
Jkt 214001
4. All borrowers with eligible decision
credit scores must be scored by TOTAL.
5. The premium rates established in
this notice apply to those forward
mortgages insured under FHA’s Mutual
Mortgage Insurance (MMI) fund, the
Section 203(k) rehabilitation mortgage
insurance program, and individual
condominium units insured under
Section 234(c). The premiums in this
notice do not apply to mortgages
insured under Title I of the National
Housing Act, nor to reverse mortgages
under FHA’s Home Equity Conversion
Mortgage (HECM) program. The
premiums in this notice also do not
apply to Section 223(e) (declining
neighborhoods), Section 238(c) (military
impact areas in Georgia and New York),
Section 247 (Hawaiian Homelands), and
Section 248 (Indian Reservations).
Dated: August 26, 2008.
Brian D. Montgomery,
Assistant Secretary for Housing—Federal
Housing Commissioner.
[FR Doc. E8–20299 Filed 9–2–08; 8:45 am]
BILLING CODE 4210–67–P
DEPARTMENT OF THE INTERIOR
Fish and Wildlife Service
[FWS–R3–R–2008–N00168; 30136–1265–
0000–S3]
Seney National Wildlife Refuge,
Schoolcraft County, MI
Fish and Wildlife Service,
Interior.
ACTION: Notice of availability: draft
comprehensive conservation plan and
environmental assessment; request for
comments.
AGENCY:
SUMMARY: We, the U.S. Fish and
Wildlife Service (Service), announce the
availability of a draft comprehensive
conservation plan (CCP) and draft
environmental assessment (EA) for
Seney National Wildlife Refuge (NWR)
for public review and comment. In this
PO 00000
Frm 00070
Fmt 4703
Sfmt 4703
draft CCP/EA, we describe how we
propose to manage the refuge for the
next 15 years.
DATES: To ensure consideration, we
must receive your written comments by
October 8, 2008. An open house style
meeting will be held during the
comment period to receive comments
and provide information on the draft
plan. Special mailings, newspaper
articles, Internet postings, and other
media announcements will inform
people of the meetings and
opportunities for written comments.
ADDRESSES: Send your comments or
requests for more information by any of
the following methods. You may also
drop off comments in person at Seney
NWR.
• Agency Web site: View or download
a copy of the document and comment at
https://www.fws.gov/midwest/planning/
Seney.
• E-mail: r3planning@fws.gov.
Include ‘‘Seney Draft CCP/EA’’ in the
subject line of the message.
• Fax: 906–586–3800.
• Mail: Refuge Manager, Seney
National Wildlife Refuge, 1674 Refuge
Entrance Road, Seney, MI 49883–9501.
FOR FURTHER INFORMATION CONTACT:
Tracy Casselman, 906–586–9851 Ext 11.
SUPPLEMENTARY INFORMATION:
Introduction
With this notice, we continue the CCP
process for Seney NWR, which was
started with the notice of intent we
published in the Federal Register on
April 21, 2006 (71 FR 20722). For more
about the initial process and the history
of this refuge, see that notice. Seney
NWR was established in 1935 by
Executive Order under the Migratory
Bird Conservation Act for the protection
and production of migratory birds and
other wildlife. The Refuge encompasses
approximately 95,238 acres; of this area,
25,150 acres comprise the Seney
Wilderness Area, in which is contained
the Strangmoor Bog National Natural
E:\FR\FM\03SEN1.SGM
03SEN1
Federal Register / Vol. 73, No. 171 / Wednesday, September 3, 2008 / Notices
Landmark. The Refuge is also
responsible for the 33-acre Whitefish
Point Unit, a former Coast Guard Station
at Whitefish Point, in Chippewa County.
The CCP Process
The National Wildlife Refuge System
Administration Act of 1966, as amended
by the National Wildlife Refuge System
Improvement Act of 1997 (16 U.S.C.
668dd–668ee), requires us to develop a
comprehensive conservation plan for
each national wildlife refuge. The
purpose in developing a CCP is to
provide refuge managers with a 15-year
strategy for achieving refuge purposes
and contributing toward the mission of
the National Wildlife Refuge System,
consistent with sound principles of fish
and wildlife management, conservation,
legal mandates, and our policies. In
addition to outlining broad management
direction on conserving wildlife and
their habitats, plans identify wildlifedependent recreational opportunities
available to the public, including
opportunities for hunting, fishing,
wildlife observation, wildlife
photography, and environmental
education and interpretation.
CCP Alternatives and Our Preferred
Alternative
Priority Issues
During the public scoping process,
we, other governmental partners, and
the public identified several priority
issues, which include habitat
management, invasive and exotic
species, and demand for additional
visitor services. To address these issues,
we developed and evaluated the
following alternatives during the
planning process.
sroberts on PROD1PC70 with NOTICES
Alternative 1, Current Management
Direction of Opportunistic
Conservation, Restoration, and
Preservation (No Action)
The current management direction of
Seney NWR would be maintained under
this alternative. For NEPA purposes,
this is referred to as the ‘‘No Action’’
alternative, a misnomer as some changes
will occur over the next 15 years.
Management includes conservation,
restoration and preservation but occurs
opportunistically as budgets allow.
Some programs, especially
environmental education and outreach,
would see improvements only if budgets
increase in the future.
VerDate Aug<31>2005
22:59 Sep 02, 2008
Jkt 214001
51507
Alternative 2: Management Gradient of
Conservation Emphasis (Unit 1), to
Conservation-Restoration Emphasis
(Unit 2), to Restoration-Preservation
Emphasis (Unit 3) and Wilderness
Preservation (Unit 4) (Preferred
Alternative)
Dated: July 22, 2008.
Charles M. Wooley,
Acting Regional Director, U.S. Fish and
Wildlife Service, Fort Snelling, Minnesota.
[FR Doc. E8–20351 Filed 9–2–08; 8:45 am]
Alternative 2 would segment the
Refuge into four general units and apply
a management strategy to each unit. The
units would follow a general gradient of
management from low intensity
(wilderness) to higher manipulation
(managed impoundments and visitor
use). Some high and low intensity
management actions would occur in all
units. Wildlife needs always receive
priority when in conflict with visitor
services.
DEPARTMENT OF THE INTERIOR
Alternative 3: Management to
Emphasize Historic Patterns and
Processes through Restoration and
Preservation (All Anthropogenic
Habitats Removed in Units 2 and 3),
and Wilderness Preservation (Unit 4)
Alternative 3 would include the
Refuge striving to manage its forests and
water to allow unfettered succession to
take place. Dynamic events such as
windstorms, insect and tree disease
outbreaks, flooding and wildfire would
play a more substantial role in shaping
habitats. Natural events may lead to
limitation or closure of some exiting
visitor use areas or services. However,
crucial Refuge infrastructure such as
roads and dikes would be protected
from or repaired after destructive
circumstances.
Public Meeting
We will give the public an
opportunity to provide comments at a
public meeting. You may obtain the
schedule from the addresses listed in
this notice (see ADDRESSES). You may
also submit comments anytime during
the comment period.
Public Availability of Comments
Before including your address, phone
number, e-mail address, or other
personal identifying information in your
comment, you should know that your
entire comment—including your
personal identifying information—may
be made publicly available at any time.
While you may ask us in your comment
to withhold your personal identifying
information from public review, we
cannot guarantee that we will be able to
do so.
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Frm 00071
Fmt 4703
Sfmt 4703
BILLING CODE 4310–55–P
Bureau of Land Management
[F–14938–A, F–14938–B, and F–14938–D;
AK–962–1410–HY–P]
Alaska Native Claims Selection
Bureau of Land Management,
Interior.
ACTION: Notice of decision approving
lands for conveyance.
AGENCY:
SUMMARY: As required by 43 CFR
2650.7(d), notice is hereby given that an
appealable decision approving lands for
conveyance pursuant to the Alaska
Native Claims Settlement Act will be
issued to St. Michael Native
Corporation. The lands are in the
vicinity of St. Michael, Alaska, and are
located in:
Lot 2, U.S. Survey No. 12417, Alaska
Containing 54.85 acres.
Kateel River Meridian, Alaska
T. 24 S., R. 15 W.,
Secs. 1 and 12.
Containing 1,280.00 acres.
T. 23 S., R. 17 W.,
Sec. 18.
Containing 1.17 acres.
T. 24 S., R. 18 W.,
Secs. 6, 7, and 8; Sec. 15; Secs. 17 to 22,
inclusive.
Containing 5,646.37 acres.
Aggregating 6,982.39 acres.
The subsurface estate in these lands
will be conveyed to Bering Straits
Native Corporation when the surface
estate is conveyed to St. Michael Native
Corporation. Notice of the decision will
also be published four times in the
Nome Nugget.
DATES: The time limits for filing an
appeal are:
1. Any party claiming a property
interest which is adversely affected by
the decision shall have until October 3,
2008 to file an appeal.
2. Parties receiving service of the
decision by certified mail shall have 30
days from the date of receipt to file an
appeal.
Parties who do not file an appeal in
accordance with the requirements of 43
CFR part 4, Subpart E, shall be deemed
to have waived their rights.
ADDRESSES: A copy of the decision may
be obtained from: Bureau of Land
Management, Alaska State Office, 222
E:\FR\FM\03SEN1.SGM
03SEN1
Agencies
[Federal Register Volume 73, Number 171 (Wednesday, September 3, 2008)]
[Notices]
[Pages 51506-51507]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: E8-20351]
=======================================================================
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DEPARTMENT OF THE INTERIOR
Fish and Wildlife Service
[FWS-R3-R-2008-N00168; 30136-1265-0000-S3]
Seney National Wildlife Refuge, Schoolcraft County, MI
AGENCY: Fish and Wildlife Service, Interior.
ACTION: Notice of availability: draft comprehensive conservation plan
and environmental assessment; request for comments.
-----------------------------------------------------------------------
SUMMARY: We, the U.S. Fish and Wildlife Service (Service), announce the
availability of a draft comprehensive conservation plan (CCP) and draft
environmental assessment (EA) for Seney National Wildlife Refuge (NWR)
for public review and comment. In this draft CCP/EA, we describe how we
propose to manage the refuge for the next 15 years.
DATES: To ensure consideration, we must receive your written comments
by October 8, 2008. An open house style meeting will be held during the
comment period to receive comments and provide information on the draft
plan. Special mailings, newspaper articles, Internet postings, and
other media announcements will inform people of the meetings and
opportunities for written comments.
ADDRESSES: Send your comments or requests for more information by any
of the following methods. You may also drop off comments in person at
Seney NWR.
Agency Web site: View or download a copy of the document
and comment at https://www.fws.gov/midwest/planning/Seney.
E-mail: r3planning@fws.gov. Include ``Seney Draft CCP/EA''
in the subject line of the message.
Fax: 906-586-3800.
Mail: Refuge Manager, Seney National Wildlife Refuge, 1674
Refuge Entrance Road, Seney, MI 49883-9501.
FOR FURTHER INFORMATION CONTACT: Tracy Casselman, 906-586-9851 Ext 11.
SUPPLEMENTARY INFORMATION:
Introduction
With this notice, we continue the CCP process for Seney NWR, which
was started with the notice of intent we published in the Federal
Register on April 21, 2006 (71 FR 20722). For more about the initial
process and the history of this refuge, see that notice. Seney NWR was
established in 1935 by Executive Order under the Migratory Bird
Conservation Act for the protection and production of migratory birds
and other wildlife. The Refuge encompasses approximately 95,238 acres;
of this area, 25,150 acres comprise the Seney Wilderness Area, in which
is contained the Strangmoor Bog National Natural
[[Page 51507]]
Landmark. The Refuge is also responsible for the 33-acre Whitefish
Point Unit, a former Coast Guard Station at Whitefish Point, in
Chippewa County.
The CCP Process
The National Wildlife Refuge System Administration Act of 1966, as
amended by the National Wildlife Refuge System Improvement Act of 1997
(16 U.S.C. 668dd-668ee), requires us to develop a comprehensive
conservation plan for each national wildlife refuge. The purpose in
developing a CCP is to provide refuge managers with a 15-year strategy
for achieving refuge purposes and contributing toward the mission of
the National Wildlife Refuge System, consistent with sound principles
of fish and wildlife management, conservation, legal mandates, and our
policies. In addition to outlining broad management direction on
conserving wildlife and their habitats, plans identify wildlife-
dependent recreational opportunities available to the public, including
opportunities for hunting, fishing, wildlife observation, wildlife
photography, and environmental education and interpretation.
CCP Alternatives and Our Preferred Alternative
Priority Issues
During the public scoping process, we, other governmental partners,
and the public identified several priority issues, which include
habitat management, invasive and exotic species, and demand for
additional visitor services. To address these issues, we developed and
evaluated the following alternatives during the planning process.
Alternative 1, Current Management Direction of Opportunistic
Conservation, Restoration, and Preservation (No Action)
The current management direction of Seney NWR would be maintained
under this alternative. For NEPA purposes, this is referred to as the
``No Action'' alternative, a misnomer as some changes will occur over
the next 15 years. Management includes conservation, restoration and
preservation but occurs opportunistically as budgets allow. Some
programs, especially environmental education and outreach, would see
improvements only if budgets increase in the future.
Alternative 2: Management Gradient of Conservation Emphasis (Unit 1),
to Conservation-Restoration Emphasis (Unit 2), to Restoration-
Preservation Emphasis (Unit 3) and Wilderness Preservation (Unit 4)
(Preferred Alternative)
Alternative 2 would segment the Refuge into four general units and
apply a management strategy to each unit. The units would follow a
general gradient of management from low intensity (wilderness) to
higher manipulation (managed impoundments and visitor use). Some high
and low intensity management actions would occur in all units. Wildlife
needs always receive priority when in conflict with visitor services.
Alternative 3: Management to Emphasize Historic Patterns and Processes
through Restoration and Preservation (All Anthropogenic Habitats
Removed in Units 2 and 3), and Wilderness Preservation (Unit 4)
Alternative 3 would include the Refuge striving to manage its
forests and water to allow unfettered succession to take place. Dynamic
events such as windstorms, insect and tree disease outbreaks, flooding
and wildfire would play a more substantial role in shaping habitats.
Natural events may lead to limitation or closure of some exiting
visitor use areas or services. However, crucial Refuge infrastructure
such as roads and dikes would be protected from or repaired after
destructive circumstances.
Public Meeting
We will give the public an opportunity to provide comments at a
public meeting. You may obtain the schedule from the addresses listed
in this notice (see ADDRESSES). You may also submit comments anytime
during the comment period.
Public Availability of Comments
Before including your address, phone number, e-mail address, or
other personal identifying information in your comment, you should know
that your entire comment--including your personal identifying
information--may be made publicly available at any time. While you may
ask us in your comment to withhold your personal identifying
information from public review, we cannot guarantee that we will be
able to do so.
Dated: July 22, 2008.
Charles M. Wooley,
Acting Regional Director, U.S. Fish and Wildlife Service, Fort
Snelling, Minnesota.
[FR Doc. E8-20351 Filed 9-2-08; 8:45 am]
BILLING CODE 4310-55-P