Notice of Agreements Filed, 67157-67158 [E8-26985]
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Federal Register / Vol. 73, No. 220 / Thursday, November 13, 2008 / Notices
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savings association, in the usual course
of business for a special or specific
purpose.* * *’’ 12 U.S.C. 1813(l)(3).
Under this paragraph, funds are
‘‘deposits’’ when held by a bank for the
‘‘special or specific purpose’’ of
covering withdrawal or transfer
instructions from the holders of stored
value cards or other nontraditional
access mechanisms. In the original GC8,
the Legal Division found that paragraph
3(l)(3) applies only to cases in which the
customer’s spending plans are very
specific but such a narrow reading of
the statute is not supported by the
legislative history. See FDIC v.
Philadelphia Gear Corporation, 106 S.
Ct. 1931 (1986). Also, the Legal Division
is unaware of any case in which a court
found that a bank’s liability did not
qualify as a ‘‘deposit’’ because the
customer’s spending plans were
insufficiently specific.
Paragraph 3(l)(4). This paragraph
defines ‘‘deposit’’ as ‘‘outstanding draft
* * * cashier’s check, money order, or
other officer’s check issued in the usual
course of business for any
purpose.* * *’’ 12 U.S.C. 1813(l)(4).
Some stored value products are the
functional equivalents of cashier’s
checks or money orders.
As outlined above, the statutory
definition of ‘‘deposit’’ is very broad.
The Legal Division concludes that this
definition encompasses all funds
underlying stored value cards and other
nontraditional access mechanisms to the
extent that the funds have been placed
at an insured depository institution.
A separate issue is whether the holder
of an access mechanism (as opposed to
the distributor of the access mechanism)
should be treated as the insured
depositor for the purpose of applying
the insurance limit. This issue is
addressed below.
Depositors
Under the existing insurance
regulations at 12 CFR part 330, the FDIC
is entitled to rely upon the account
records of the failed insured depository
institution in determining the owners of
deposits. See 12 CFR 330.5. Therefore,
in cases in which a separate account has
been opened in the name of the holder
of the access mechanism, the FDIC will
recognize the holder as the owner of the
deposit.
In some cases, in an agency or
custodial capacity, the distributor of the
access mechanisms (or agent on behalf
of the distributor) might open a pooled
account for all holders of the access
mechanisms. In such cases, the FDIC
may provide ‘‘pass-through’’ insurance
coverage (i.e., coverage that ‘‘passes
through’’ the agent to the holders). See
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17:13 Nov 12, 2008
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12 CFR 330.7. Such coverage is not
available, however, unless certain
requirements are satisfied. First, the
account records of the insured
depository institution must disclose the
existence of the agency or custodial
relationship. See 12 CFR 330.5(b)(1).
This requirement can be satisfied by
opening the account under a title such
as the following: ‘‘ABC Company as
Custodian for Cardholders.’’ Second, the
records of the insured depository
institution or records maintained by the
custodian or other party must disclose
the identities of the actual owners and
the amount owned by each such owner.
See 12 CFR 330.5(b)(2). Third, the funds
in the account actually must be owned
(under the agreements among the parties
or applicable law) by the purported
owners and not by the custodian (or
other party). See 12 CFR 330.3(h); 12
CFR 330.5(a)(1). If these three
requirements are not satisfied, the FDIC
will treat the custodian (i.e., the named
accountholder) as the owner of the
deposits.
It is encouraged that accurate
information concerning FDIC insurance
coverage be displayed on stored value
cards. This information should include
the name of the insured depository
institution in which the funds are held.
When appropriate, the card also should
state that the funds are insured by the
FDIC to the cardholder. These
disclosures will provide the cardholder
with important information concerning
FDIC deposit insurance coverage.
Conclusion
This opinion replaces the opinion
published by the FDIC in 1996. Under
this opinion, all funds underlying stored
value cards and other nontraditional
access mechanisms will be treated as
‘‘deposits’’ to the extent that the funds
have been placed at an insured
depository institution. If the FDIC’s
standard recordkeeping requirements
are satisfied, the holders of the access
mechanisms will be treated as the
insured depositors for the purpose of
applying the insurance limit. Otherwise,
the distributor of the access mechanisms
(i.e., the named accountholder) will be
treated as the insured depositor.
This opinion is based upon the
proposition that the form of the access
mechanism is unimportant. Whether the
mechanism is traditional, such as an
ATM card, book of checks or official
check, or nontraditional, such as a
stored value product, the access
mechanism is merely a device for
withdrawing or transferring the
underlying money. The ‘‘deposit’’ is the
underlying money received by the
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67157
depository institution and held for an
accountholder.
By order of the Board of Directors, dated
at Washington, DC, this 31st day of October
2008.
Federal Deposit Insurance Corporation.
Robert E. Feldman,
Executive Secretary.
[FR Doc. E8–26867 Filed 11–12–08; 8:45 am]
BILLING CODE 6714–01–P
FEDERAL ELECTION COMMISSION
Sunshine Act Notices
Federal Election Commission.
& TIME: Thursday, November 13,
2008 at 1:30 p.m.
PLACE: 999 E Street, NW., Washington,
DC (ninth floor).
STATUS: This meeting will be open to the
public.
ITEMS TO BE DISCUSSED:
Correction and Approval of Minutes.
Draft Advisory Opinion 2008–14:
Melothe, Inc. by Marc E. Elias, Esquire.
Report of the Audit Division on
Edwards for President.
Report of the Audit Division on the
Kuhl for Congress Committee.
Report of the Audit Division on the
Missouri Democratic State Committee.
Report of the Audit Division on the
Oregon Republican Party.
Report of the Audit Division on
Sharpton 2004.
Management and Administrative
Matters.
PERSON TO CONTACT FOR INFORMATION:
Robert Biersack, Press Officer,
Telephone: (202) 694–1220.
Individuals who plan to attend and
require special assistance, such as sign
language interpretation or other
reasonable accommodations, should
contact Mary Dove, Commission
Secretary, at (202) 694–1040, at least 72
hours prior to the hearing date.
AGENCY:
DATE
Mary W. Dove,
Secretary of the Commission.
[FR Doc. E8–26877 Filed 11–10–08; 11:15
am]
BILLING CODE 6715–01–P
FEDERAL MARITIME COMMISSION
Notice of Agreements Filed
The Commission hereby gives notice
of the filing of the following agreements
under the Shipping Act of 1984.
Interested parties may submit comments
on agreements to the Secretary, Federal
Maritime Commission, Washington, DC
20573, within ten days of the date this
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mstockstill on PROD1PC66 with NOTICES
67158
Federal Register / Vol. 73, No. 220 / Thursday, November 13, 2008 / Notices
notice appears in the Federal Register.
Copies of agreements are available
through the Commission’s Web site
(www.fmc.gov) or contacting the Office
of Agreements at (202) 523–5793 or
tradeanalysis@fmc.gov.
Agreement No.: 011539–015.
Title: CLNU/HLAG Space Charter and
Sailing Agreement.
Parties: Companhia Libra de
Navegacao (Libra); Compania Sud
Americana de Vapores, S.A. (CSAV);
Compania Libra de Navegacion Uruguay
S.A.; and Hapag-Lloyd AG.
Filing Party: Walter H. Lion, Esq.,
McLaughlin & Stern, LLP, 260 Madison
Avenue, New York, NY 10016.
Synopsis: The amendment adds Libra
and CSAV as parties to the agreement
and changes the name of the agreement
to CSAV Group/HLAG Space Charter
and Sailing Agreement.
Agreement No.: 011579–014.
Title: Inland Shipping Service
Association Agreement.
Parties: Crowley Liner Services, Inc.;
Seaboard Marine, Ltd. and Seaboard
Marine of Florida, Inc.
Filing Party: Wayne R. Rohde, Esq.,
Sher & Blackwell, 1850 M Street, NW.,
Suite 900, Washington, DC 20036.
Synopsis: The amendment deletes
APL Co. Pte Ltd. as a party to the
Agreement.
Agreement No.: 012055.
Title: Maersk Line/CMA CGM
Cooperative Working Agreement.
Parties: A.P. Moller-Maersk A/S, and
CMA CGM S.A.
Filing Party: Wayne R. Rohde, Esq.,
Sher and Blackwell LLP, 1850 M Street,
NW., Suite 900, Washington, DC 20036.
Synopsis: The agreement authorizes
the parties to solicit bids, negotiate and
enter into joint contracts for provisions
of marine terminal facilities and
services in the trade between Asia and
the United States.
Agreement No.: 201199.
Title: Port Fee Services Agreement.
Parties: City of Los Angeles; City of
Long Beach; PortCheck LLC; APM
Terminals Pacific Ltd.; Eagle Marine
Services, Ltd.; Long Beach Container
Terminal, Inc.; Total Terminals
International; California United
Terminals, Inc.; International
Transportation Service, Inc.; Seaside
Transportation Service, LLC; West Basin
Container Terminal LLC; Pacific
Maritime Services, LLC; SSA Terminal
(Long Beach), LLC; Trans Pacific
Container Service Corporation; SSA
Terminals, LLC; and Yusen Terminals,
Inc.
Filing Party: David F. Smith, Esq.,
Sher & Blackwell, LLP, 1850 M Street,
NW., Suite 900, Washington, DC 20036;
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17:13 Nov 12, 2008
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C. Jonathan Benner, Esq., and Matthew
J. Thomas, Esq., Troutman and Sanders,
LLP, 401 9th Street, NW., Suite 1000,
Washington, DC 20004–2134.
Synopsis: The agreement authorizes
Port Check LLC and the marine terminal
operators to provide certain services to
the ports relating to the collection of a
clean truck fee, control of access to port
property, and related activities.
By the Commission.
Dated: November 7, 2008.
Karen V. Gregory,
Secretary.
[FR Doc. E8–26985 Filed 11–12–08; 8:45 am]
BILLING CODE 6730–01–P
FEDERAL MARITIME COMMISSION
Ocean Transportation Intermediary
License Applicants
Notice is hereby given that the
following applicants have filed with the
Federal Maritime Commission an
application for license as a Non-Vessel
Operating Common Carrier and Ocean
Freight Forwarder—Ocean
Transportation Intermediary pursuant to
section 19 of the Shipping Act of 1984
as amended (46 U.S.C. Chapter 409 and
46 CFR part 515).
Persons knowing of any reason why
the following applicants should not
receive a license are requested to
contact the Office of Transportation
Intermediaries, Federal Maritime
Commission, Washington, DC 20573.
Non-Vessel Operating Common Carrier
Ocean Transportation Intermediary
Applicants
FPS Ronin LLC dba Four Point Star
Global Logistics, 2645 Fairfax Drive,
Columbus, OH 43220. Officer:
Michael J. Stolarczyk, CEO
(Qualifying Individual).
STG Freight Services, Inc., 1111 Kane
Concourse, Ste. 518, Bay Harbor
Islands, FL 33154. Officers: Jacob
Gibman, President (Qualifying
Individual), Arthur Moroz, Vice
President.
Logistic Freight Forwarders Group, 7232
NW 56 Street, Miami, FL 33166.
Officer: Lizzette M. Licona, Secretary
(Qualifying Individual).
American Patriot Lines, Inc., 6242
Westchester Pkwy., Ste. 160, Los
Angeles, CA 90045. Officers: Ching
W. Leung, Treasurer (Qualifying
Individual), Terrace P. Lynch,
President.
EDM International Logistics, Inc., 2225
W. Commonwealth Ave., Ste. 219,
Alhambra, CA 91803. Officer: Yijie
Wan, President (Qualifying
Individual).
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Fastmark Corporation, 7206 NW, 84
Ave., Miami, FL 33166. Officers: Juan
C. Mazza, President (Qualifying
Individual).
Titan Container Line Inc., 211 E. 43rd
Street, #401, New York, NY 10017.
Officer: Laurence Cohen, President
(Qualifying Individual).
Inter-Continental Trading, Inc., dba
Inter-Continental Trading Group.;
Yuan Mao Logistics, 800 S. Date Ave.,
Alhambra, CA 91803. Officer: Chang
Z. Zhou, President (Qualifying
Individual).
Non-Vessel Operating Common Carrier
and Ocean Freight Forwarder
Transportation Intermediary
Applicants
Peters & May USA, Inc. dba Compass
Marine, 1656 Carmen Drive, Elk
Grove Village, IL 60007. Officers: Ingo
Wagschal, President (Qualifying
Individual).
DMS America LLC, 2025 NW 102 Ave.,
Ste. 112, Doral, FL 33172. Officers:
Eduardo Garcia, Operational Manager
(Qualifying Individual), Fernando E.
Arruda, President.
Trans World Logistics Corporation, 702
Penny Lane, Plainfield, IN 46168.
Officers: Malene Sorensen, Vice
President (Qualifying Individual),
Satinder P. Kaur, President.
Intransia LLC, 243 Fifth Ave., #727,
New York, NY 10016. Officers: Can
Sonat, Managing Director (Qualifying
Individual), Nurettin Babus,
Managing Director.
ICT International Cargo Transport (USA)
Inc., 6909 Engle Road, #C29,
Middleburg Hts., OH 44130. Officers:
Edward Zarefoss, Secretary
(Qualifying Individual), Hendrik
Rigtering, General Manager.
King Cargo & Logistics LLC, 8400 NW.
170th Street, Doral, FL 33126.
Officers: Daniel Maiz, MGRM
(Qualifying Individual), Karim
Chakour, MGRM.
United Global Logistics, LLC, 1139 E.
Jersey Street, Elizabeth, NJ 07201.
Officer: Soto Yudy Zuniga, Owner
(Qualifying Individual).
New K.S.A.I. Inc. dba KSA America
Line; KSA America Line; KSA
America Inc., 3109 Lomita Blvd.,
Torrance, CA 90505. Officers: Kuniaki
A. Tamaki, Secretary (Qualifying
Individual), Hisato Yoshida,
President.
Magusa Logistics Corp., 11222 N.W. 83
Lane, Doral, FL 33178. Officers: Rosa
C. Maguina, Vice President,
(Qualifying Individual) Carlos R.
Maguina, President.
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Agencies
[Federal Register Volume 73, Number 220 (Thursday, November 13, 2008)]
[Notices]
[Pages 67157-67158]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: E8-26985]
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FEDERAL MARITIME COMMISSION
Notice of Agreements Filed
The Commission hereby gives notice of the filing of the following
agreements under the Shipping Act of 1984. Interested parties may
submit comments on agreements to the Secretary, Federal Maritime
Commission, Washington, DC 20573, within ten days of the date this
[[Page 67158]]
notice appears in the Federal Register. Copies of agreements are
available through the Commission's Web site (www.fmc.gov) or contacting
the Office of Agreements at (202) 523-5793 or tradeanalysis@fmc.gov.
Agreement No.: 011539-015.
Title: CLNU/HLAG Space Charter and Sailing Agreement.
Parties: Companhia Libra de Navegacao (Libra); Compania Sud
Americana de Vapores, S.A. (CSAV); Compania Libra de Navegacion Uruguay
S.A.; and Hapag-Lloyd AG.
Filing Party: Walter H. Lion, Esq., McLaughlin & Stern, LLP, 260
Madison Avenue, New York, NY 10016.
Synopsis: The amendment adds Libra and CSAV as parties to the
agreement and changes the name of the agreement to CSAV Group/HLAG
Space Charter and Sailing Agreement.
Agreement No.: 011579-014.
Title: Inland Shipping Service Association Agreement.
Parties: Crowley Liner Services, Inc.; Seaboard Marine, Ltd. and
Seaboard Marine of Florida, Inc.
Filing Party: Wayne R. Rohde, Esq., Sher & Blackwell, 1850 M
Street, NW., Suite 900, Washington, DC 20036.
Synopsis: The amendment deletes APL Co. Pte Ltd. as a party to the
Agreement.
Agreement No.: 012055.
Title: Maersk Line/CMA CGM Cooperative Working Agreement.
Parties: A.P. Moller-Maersk A/S, and CMA CGM S.A.
Filing Party: Wayne R. Rohde, Esq., Sher and Blackwell LLP, 1850 M
Street, NW., Suite 900, Washington, DC 20036.
Synopsis: The agreement authorizes the parties to solicit bids,
negotiate and enter into joint contracts for provisions of marine
terminal facilities and services in the trade between Asia and the
United States.
Agreement No.: 201199.
Title: Port Fee Services Agreement.
Parties: City of Los Angeles; City of Long Beach; PortCheck LLC;
APM Terminals Pacific Ltd.; Eagle Marine Services, Ltd.; Long Beach
Container Terminal, Inc.; Total Terminals International; California
United Terminals, Inc.; International Transportation Service, Inc.;
Seaside Transportation Service, LLC; West Basin Container Terminal LLC;
Pacific Maritime Services, LLC; SSA Terminal (Long Beach), LLC; Trans
Pacific Container Service Corporation; SSA Terminals, LLC; and Yusen
Terminals, Inc.
Filing Party: David F. Smith, Esq., Sher & Blackwell, LLP, 1850 M
Street, NW., Suite 900, Washington, DC 20036; C. Jonathan Benner, Esq.,
and Matthew J. Thomas, Esq., Troutman and Sanders, LLP, 401 9th Street,
NW., Suite 1000, Washington, DC 20004-2134.
Synopsis: The agreement authorizes Port Check LLC and the marine
terminal operators to provide certain services to the ports relating to
the collection of a clean truck fee, control of access to port
property, and related activities.
By the Commission.
Dated: November 7, 2008.
Karen V. Gregory,
Secretary.
[FR Doc. E8-26985 Filed 11-12-08; 8:45 am]
BILLING CODE 6730-01-P