Enforcement of Nondiscrimination on the Basis of Disability in Programs and Activities Conducted by the Bureau of Consumer Financial Protection, 46606-46612 [2012-18827]
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property for use as the employee’s
primary residence, or the primary
residence of the employee’s immediate
family member.
(2) Approval shall be granted unless
the conduct is inconsistent with 5 CFR
part 2635 or this part.
(d) Liaison representative. An
employee designated to serve in an
official capacity as the Department’s
liaison representative to an outside
organization is not engaged in an
outside activity to which this section
applies. Notwithstanding, an employee
may be designated to serve as the
Department’s liaison representative only
as authorized by law, and as approved
by the Department under applicable
procedures.
§ 7501.106 Bureau instructions and
designation of separate agency component.
(a) Bureau instructions. With the
concurrence of the Designated Agency
Ethics Official, the Bureau Ethics
Counselor is authorized, consistent with
5 CFR 2635.105(c), to designate Deputy
Bureau Ethics Counselors, to make a
determination, issue explanatory
guidance, and establish procedures
necessary to implement this part,
subpart I of 5 CFR part 2634, and 5 CFR
part 2635 for the Bureau.
(b) Designation of separate agency
component. Pursuant to 5 CFR
2635.203(a), the Office of the Inspector
General is designated as a separate
agency for purposes of the regulations
contained in subpart B of 5 CFR part
2635, governing gifts from outside
sources; and 5 CFR 2635.807, governing
teaching, speaking, or writing.
Dated: July 18, 2012.
Shaun Donovan,
Secretary.
Don W. Fox,
Acting Director, Office of Government Ethics.
[FR Doc. 2012–19150 Filed 8–3–12; 8:45 am]
BILLING CODE 4210–67–P
BUREAU OF CONSUMER FINANCIAL
PROTECTION
12 CFR Part 1072
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[Docket No. CFPB–2012–0025]
Enforcement of Nondiscrimination on
the Basis of Disability in Programs and
Activities Conducted by the Bureau of
Consumer Financial Protection
Bureau of Consumer Financial
Protection.
ACTION: Interim final rule with request
for public comment.
AGENCY:
This interim final rule
provides for the enforcement of section
SUMMARY:
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504 of the Rehabilitation Act of 1973, as
amended, which prohibits
discrimination on the basis of disability
in programs or activities conducted by
the Bureau of Consumer Financial
Protection. It sets forth standards for
what constitutes discrimination on the
basis of mental or physical disability,
provides a definition for ‘‘individual
with a disability’’ and ‘‘qualified
individual with a disability,’’ and
establishes a complaint mechanism for
resolving allegations of discrimination.
The rule further clarifies that the
complaint mechanism is also available
for processing complaints that the
agency has failed to meet accessibility
standards for electronic and information
technology, in violation of section 508
of the Rehabilitation Act of 1973.
This interim final rule is
effective August 6, 2012. Written
comments must be submitted by
October 5, 2012.
DATES:
You may submit comments,
identified by Docket No. CFPB–2012–
0025, by any of the following methods:
• Electronic: https://
www.regulations.gov. Follow the
instructions for submitting comments.
• Mail or Hand Delivery/Courier:
Monica Jackson, Office of the Executive
Secretary, Consumer Financial
Protection Bureau, 1700 G Street NW.,
Washington, DC 200552.
Instructions: All submissions must
include the agency name and docket
number for this rulemaking. In general,
all comments received will be posted
without change to https://
www.regulations.gov. In addition,
comments will be available for public
inspection and copying at 1700 G Street,
NW., Washington, DC 20552, on official
business days between the hours of 10
a.m. and 5 p.m. Eastern Time. You can
make an appointment to inspect the
documents by telephoning (202) 435–
7275.
All comments, including attachments
and other supporting materials, will
become part of the public record and
subject to public disclosure. Sensitive
personal information, such as account
numbers or social security numbers,
should not be included. Comments will
not be edited to remove any identifying
or contact information.
ADDRESSES:
FOR FURTHER INFORMATION CONTACT:
Monica Jackson, Office of the Executive
Secretary, Consumer Financial
Protection Bureau, 1700 G Street NW.,
Washington, DC 20552 at 202–435–
7275.
SUPPLEMENTARY INFORMATION:
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I. Background
On July 21, 2010, the President signed
into law the Dodd-Frank Wall Street
Reform and Consumer Protection Act
(Pub. L. 111–203). Title X of that law is
the Consumer Financial Protection Act
of 2010 (the ‘‘Act’’), which created the
Bureau of Consumer Financial
Protection (the ‘‘Bureau’’). Pursuant to
the provisions of the Act, the Bureau
began to exercise its authorities to
regulate the offering and provision of
consumer financial products and
services under the federal consumer
financial laws on July 21, 2011.
II. Summary of Interim Final Rule
This interim final rule establishes
procedures for the Bureau that are
necessary to implement section 504 of
the Rehabilitation Act of 1973, 29 U.S.C.
794, as amended by the Rehabilitation,
Comprehensive Services, and
Developmental Disabilities
Amendments of 1978, § 119 (Pub. L. 95–
602, 92 Stat. 2982), the Rehabilitation
Act Amendments of 1986 (Pub. L. 99–
506, 100 Stat. 1810), the Workforce
Investment Act of 1998 (Pub. L. 105–
220, 112 Stat. 936), and the Americans
with Disabilities Act Amendments of
2008 (Pub. L. 110–325, 122 Stat. 3553).
It is an adaptation of the model rule
prepared by the Department of Justice in
1980 under Executive Order 12250, 45
FR 72995, 3 CFR, 1980 Comp., p. 298.
The Bureau invites public comment
on all aspects of this interim final rule
and will take those comments into
account before publishing a final rule.
Section-by-Section Analysis
Section 1072.101 Purpose
Section 1072.101 states that the
purpose of the rule is to effectuate
section 119 of the Rehabilitation,
Comprehensive Services, and
Developmental Disabilities
Amendments of 1978, which amended
section 504 of the Rehabilitation Act of
1973 to prohibit discrimination on the
basis of disability in programs or
activities conducted by Executive
agencies or the United States Postal
Service.
Section 1072.102 Application
The regulation applies to all programs
or activities conducted by the Bureau.
Section 1072.103 Definitions
Section 1072.103 defines terms that
are utilized elsewhere in the rule.
Several of these terms warrant brief
discussion. The Bureau has modified
the language of the Department of
Justice model to replace the terms
‘‘handicap,’’ ‘‘individual with a
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handicap,’’ and ‘‘individuals with
handicaps’’ with the terms ‘‘disability,’’
‘‘individual with a disability,’’ and
‘‘individuals with disabilities,’’
respectively, in keeping with the most
current statutory terms used in the
Americans with Disabilities Act. 42
U.S.C. 12101, et seq. The Bureau has
modified the characterization of ‘‘major
life activities’’ in the definition of
‘‘individual with a disability’’ to reflect
the guidance provided by EEOC in its
2011 regulations interpreting the
Americans with Disabilities Act
Amendments Act of 2008. We intend
our definition of the term ‘‘major life
activities’’ to be interpreted consistent
with that guidance. Similarly, the
evaluation of whether an identified
disability ‘‘substantially limits’’ an
individual’s major life activities is not
intended to be restrictive in nature and,
with the exception of vision-correcting
tools (eyeglasses and contact lenses), is
to be made without regard to whether an
individual has taken ameliorative
measures. For example, an individual
with bipolar disorder is within the
definition of ‘‘individual with a
disability’’ even if medication balances
the individual’s mood. Conditions that
may be episodic, such as major
depression, or subject to remission, such
as cancer, will be evaluated as if they
were active.
The Bureau has also modified the
language of the Department of Justice
model to replace the outdated term
‘‘mental retardation’’ with ‘‘intellectual
disability.’’ The definition of ‘‘auxiliary
aids’’ has been modified to reflect
technological developments that have
rendered obsolete some forms of
communication common in 1984
through the use of new technologies
available to the public.
Section 1072.104 Self-Evaluation
This section commits the Bureau to
conduct a self-evaluation of its
compliance with section 504 within two
years of the effective date of this
regulation. This provision comports
with the Department of Justice
guidance. The Bureau recognizes the
value of a self-evaluation process to
obtain meaningful feedback from the
community affected by this regulation
and to promote effective and efficient
implementation of section 504.
Section 1072.105 Notice
This section commits the Bureau to
make available to employees,
applicants, participants, beneficiaries,
and other interested persons sufficient
information about Bureau programs and
activities, and to apprise them of rights
and protections afforded by section 504
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and this regulation. The language of the
section follows that of the Department
of Justice model.
Section 1072.106 General Prohibitions
Against Discrimination
This section is an adaptation of the
corresponding section of the
Department of Justice model.
Paragraph (a) restates the
nondiscrimination mandate of section
504. The remaining paragraphs in the
section establish the general principles
for analyzing whether any particular
action of the agency violates this
mandate. These principles serve as the
analytical foundation for the remaining
sections of the regulation.
Paragraph (b) prohibits overt denials
of equal treatment of individuals with
disabilities. The Bureau may not refuse
to provide an individual with a
disability an opportunity to participate
in or benefit from its programs on the
basis of that disability. The
determination, rather, must always be
whether the individual, with or without
a reasonable accommodation, has the
actual ability to participate or benefit.
Paragraph (b)(1)(iii) requires that the
opportunity to participate or benefit
afforded to an individual with a
disability be as effective as the
opportunity afforded to others—that is,
that facilities be accessible to those with
physical disabilities, and that assistive
accommodations be available to those
who may require such accommodations
to access communications from the
Bureau.
Paragraph (b)(1)(iv) prohibits the
Bureau from denying a qualified
individual with a disability the
opportunity to participate as a member
of a planning or advisory board.
Paragraphs (b)(2) through (b)(6)
generally comport with the Department
of Justice model language, except to the
extent that they refer to ‘‘individuals
with disabilities’’ rather than
‘‘individuals with handicaps.’’ These
paragraphs collectively prohibit any
Bureau policy or practice that would
have the effect of unlawfully
discriminating against individuals with
disabilities, whether any such policy or
practice is overtly exclusionary or,
although neutral on its face, results in
denying an effective opportunity for
participation in a Bureau program or
benefit to individuals with disabilities.
Pursuant to these paragraphs, the
Bureau must evaluate whether criteria
or methods of administration may result
in denial of opportunity to individuals
with disabilities (paragraph (b)(4)),
selection of facilities for use by the
Bureau ensures accessibility for
individuals with disabilities (paragraph
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(b)(5)), criteria for selection of
procurement contractors may result in
denial of opportunity to individuals
with disabilities (paragraph (b)(6)), and
licensing and certification procedures
are neutrally applied to individuals
with disabilities (paragraph (b)(7)).
Paragraph (b)(8) clarifies that section
504 does not extend to the programs or
activities of licensees or certified
entities, which are not themselves
federally conducted programs or
activities.
Paragraph (c) permits the Bureau to
limit participation in programs designed
to benefit individuals with disabilities
or a given class of individuals with
disabilities to those individuals or
classes of individuals.
Paragraph (d) provides the Bureau
will administer programs and activities
in the most integrated setting
appropriate to the needs of qualified
individuals with disabilities—that is, in
a setting in which individuals with
disabilities will be interacting with
individuals who have not self-identified
as having disabilities.
Section 1072.107 Employment
This section prohibits unlawful
discrimination on the basis of disability
in employment by the Bureau. The
section clarifies that the definitions,
requirements, and procedures of section
501 of the Rehabilitation Act of 1973
apply to employment in federally
conducted programs or activities.
Section 1072.108 Program
Accessibility: Discrimination Prohibited
Section 1072.108 states the general
nondiscrimination principle underlying
the program accessibility requirements
of the following two sections.
Section 1072.109 Program
Accessibility: Existing Facilities
This section requires that each Bureau
program or activity, when viewed in its
entirety, be accessible to and usable by
individuals with disabilities. The
section does not require, however, that
the Bureau make each existing facility
in which it operates programs or
activities accessible to and usable by
individuals with disabilities, as long as
program accessibility can be achieved
through other means. Paragraph (a)(2)
provides that in meeting the program
accessibility requirement the Bureau is
not required to take any action that
would result in a fundamental alteration
in the nature of its program or activity
or that would result in undue financial
and administrative burden. The
paragraph states the burden of proving
that compliance with accessibility
requirements would fundamentally alter
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the nature of a program or activity or
would result in undue financial and
administrative burdens rests with the
Bureau. A decision that compliance
would result in such alteration or
burdens must be made by the Bureau
head or his or her designee and must be
accompanied by a written statement of
the reasons for reaching that conclusion.
Any person who believes that he or she
has been injured by the Bureau head’s
decision or failure to make a decision
may file a complaint under the
compliance procedures established in
§ 1072.112.
Paragraph (b) sets forth methods by
which program accessibility may be
achieved, which include delivering
services at alternate accessible sites or
making home visits. The paragraph
reiterates the Bureau’s commitment to
give priority to those methods that offer
programs and activities to qualified
individuals with disabilities in the most
integrated setting appropriate.
Paragraph (c) establishes the time
period for complying with the program
accessibility requirement. As a new
federal entity occupying leased space,
the Bureau is obligated to evaluate any
prospective leased property to ensure
that structural accessibility standards
are satisfied. Aside from structural
changes, all other necessary steps to
achieve compliance shall be taken
within ninety days of the effective date
of this regulation.
Section 1072.110 Program
Accessibility: New Construction and
Alterations
This section clarifies that the
definitions, requirements, and standards
of the Architectural Barriers Act, 42
U.S.C. 4151–4157, apply to all buildings
or parts of buildings constructed or
altered by or on behalf of the Bureau.
Any such facilities must be readily
accessible to and usable by individuals
with disabilities.
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Section 1072.111
Communications
This section obligates the Bureau to
provide appropriate assistive
accommodations to ensure that the
Bureau can communicate effectively
with all applicants, participants,
personnel of other federal entities, and
members of the public, including
individuals with disabilities. Paragraph
(a)(1)(i) states that the Bureau will
consider providing auxiliary aids in
accordance with the expressed
preference of the individual requesting
accommodation. Paragraph (a)(1)(ii)
notes that the Bureau is not obligated to
provide personally prescribed devices to
individuals with disabilities.
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Paragraph (b) states the Bureau will
ensure that interested persons can
obtain information about the existence
and location of accessible services,
activities, and facilities. Paragraph (c)
commits the Bureau to provide signage
utilizing the international symbol for
accessibility informing individuals with
disabilities of the location of accessible
entrances to and routes within the
Bureau’s facilities.
Paragraph (d) clarifies that this
section does not require the Bureau to
take any action that it can demonstrate
would result in a fundamental alteration
in the nature of a program or activity or
in undue financial and administrative
burdens, and sets forth the procedures
whereby the Bureau may establish that
such conditions exist.
Section 1072.112 Compliance
Procedures
Paragraph (a) of this section specifies
that paragraphs (c) through (l) establish
the procedures for processing
complaints other than employment
complaints. Paragraph (b) provides that
the Bureau will process employment
complaints according to procedures
established in existing regulations of the
Equal Employment Opportunity
Commission, 29 CFR part 1614,
pursuant to section 501 of the
Rehabilitation Act of 1973, 29 U.S.C.
791.
Paragraph (c) vests responsibility for
the implementation and operation of
this section in the Office of the Chief
Human Capital Officer.
Paragraph (d)(1) is adapted from the
compliance procedures of the
Department of Justice’s model
regulation. This paragraph prevents
third parties from filing generalized
complaints where there has been no
harm to a particular individual or
individuals. The Bureau is required to
accept and investigate all complete
complaints, as defined in § 1072.103.
Paragraph (e) states if the Bureau
determines that it does not have
jurisdiction over a complaint, it shall
promptly notify the complainant and
make reasonable efforts to refer the
complaint to an appropriate entity of the
federal government. Paragraph (f)
specifically requires the Bureau to
notify the Architectural and
Transportation Barriers Compliance
Board upon receipt of a complaint
alleging that a building or facility
subject to the Architectural Barriers Act
was designed, constructed, or altered in
a manner that does not provide ready
access to and use by individuals with
disabilities.
Paragraph (g) requires the Bureau to
prepare written findings of fact and
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conclusions of law, the relief granted if
noncompliance is found, and notice to
the complainant of the right to appeal.
Paragraph (i) provides for an internal
appeal process within the Office of the
Chief Human Capital Officer.
Paragraph (l) permits the Bureau
either to delegate its investigative
responsibilities under this section to
another federal agency or to contract
with a nongovernmental investigator.
The Bureau may not delegate its
responsibility to make a determination
of compliance or noncompliance.
III. Procedural Requirements
The Bureau concludes this interim
final rule constitutes a Bureau rule of
organization, procedure, or practice that
is exempt from notice and public
comment pursuant to 5 U.S.C. 553(b).
In any event, the Bureau has also
determined that good cause exists,
pursuant to 5 U.S.C. 553(b), to publish
these regulations as an interim final
rule. It is important for the Bureau to
establish additional procedures
promptly to facilitate the Bureau’s
interactions with the public. The Bureau
began exercising certain parts of its
regulatory authority on July 21, 2011, as
well as launching several consumer
outreach initiatives. The Bureau’s
public Web site has been developed to
meet accessibility standards and to
comport with § 508. Failure to establish
such procedures promptly risks
impairing the ability of individuals with
disabilities to access Bureau facilities,
communications, programs, and
activities, and to participate in the
public outreach that the Bureau
encourages. Furthermore, the Bureau
has adapted Department of Justice
guidance that has been broadly
implemented across the federal
government. For all of these reasons, the
Bureau concludes that notice and public
comment are unnecessary for these
regulations and that delay will be
contrary to the public interest. For the
same reasons, the Bureau has
determined that this interim rule should
be issued without a delayed effective
date pursuant to 5 U.S.C. 553(d)(3).
Notwithstanding these conclusions,
the Bureau invites public comment on
this interim final rule.
Because no notice of proposed
rulemaking is required, these
regulations are not a ‘‘rule’’ as defined
by the Regulatory Flexibility Act do not
apply, 5 U.S.C. 601(2). The regulations
in this part do not contain any
information collection requirement that
requires the approval of OMB under the
Paperwork Reduction Act, 44 U.S.C.
3501 et seq.
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List of Subjects in 12 CFR Part 1072
Blind, Buildings, Civil rights,
Employment, Equal employment
opportunity, Federal buildings and
facilities, Government employees,
Individuals with disabilities.
Authority and Issuance
For the reasons set forth above, the
Bureau amends Chapter X in Title 12 of
the Code of Federal Regulations by
adding a new part 1072 to read as
follows:
CHAPTER X—BUREAU OF CONSUMER
FINANCIAL PROTECTION
Sec.
1072.101 Purpose.
1072.102 Application.
1072.103 Definitions.
1072.104 Review of compliance.
1072.105 Notice.
1072.106 General prohibitions against
discrimination.
1072.107 Employment.
1072.108 Program accessibility:
Discrimination prohibited.
1072.109 Program accessibility: Existing
facilites.
1072.110 Program accessibility: New
construction and alterations.
1072.111 Communications.
1072.112 Compliance procedures.
Authority: 29 U.S.C. 794; 29 U.S.C. 794d.
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Purpose.
(a) This part implements section 504
of the Rehabilitation Act of 1973, as
amended by the Rehabilitation,
Comprehensive Services, and
Developmental Disabilities
Amendments of 1978, Sec. 119 (Pub. L.
95–602, 92 Stat. 2982), the
Rehabilitation Act Amendments of 1986
(Pub. L. 99–506, 100 Stat. 1810), the
Workforce Investment Act of 1998 (Pub.
L. 105–220, 112 Stat. 936), and the
Americans with Disabilities Act
Amendments of 2008 (Pub. L. 110–325,
122 Stat. 3553), to prohibit
discrimination on the basis of disability
in programs or activities conducted by
Executive agencies or the United States
Postal Service.
(b) This part is also intended to
implement section 508 of the
Rehabilitation Act of 1973 as amended
to ensure that employees and members
of the public with disabilities have
access to, and are able to use, electronic
and information technology (EIT) to the
same extent as individuals without
disabilities, unless an undue burden
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§ 1072.102
Application.
This part applies to all programs,
activities, and electronic and
information technology developed,
procured, maintained, used, or
conducted by the Bureau.
§ 1072.103
PART 1072—ENFORCEMENT OF
NONDISCRIMINATION ON THE BASIS
OF DISABILITY IN PROGRAMS AND
ACTIVITIES CONDUCTED BY THE
BUREAU OF CONSUMER FINANCIAL
PROTECTION
§ 1072.101
would be imposed on the department or
the Bureau. Specifically, this part
clarifies that individuals with
disabilities may utilize the complaint
procedures established in section 504 to
enforce rights guaranteed under section
508.
Definitions.
For purposes of this part Auxiliary
aids means services or devices that
enable persons with impaired sensory,
manual, or speaking skills to have an
opportunity to participate in, and enjoy
the benefits of, programs or activities
conducted by the Bureau. For example,
auxiliary aids useful for persons with
impaired vision include readers,
Brailled materials, audio recordings and
other similar services and devices.
Auxiliary aids useful for persons with
impaired hearing include telephone
handset amplifiers, telephones
compatible with hearing aids,
telecommunications devices for deaf
persons (TDD’s), interpreters, Computeraided real-time transcription (CART),
captioning, note takers, written
materials, and other similar services and
devices.
Bureau means the Bureau of
Consumer Financial Protection.
Complete complaint means a written
statement or a complaint in audio,
Braille, electronic, and/or video format,
that contains the complainant’s name
and address, and describes the Bureau’s
alleged discriminatory action in
sufficient detail to inform the Bureau of
the nature and date of the alleged
violation of section 504 or section 508.
It shall be signed by the complainant or
by someone authorized to do so on his
or her behalf. Complaints in audio,
Braille, electronic, and/or video formats
shall contain an affirmative identity
statement of the individual, which for
this purpose shall be considered to be
functionally equivalent to a complaint’s
signature. Complaints filed on behalf of
classes of individuals with disabilities
shall also identify (where possible) the
alleged victims of discrimination.
Electronic and information
technology means information
technology and any equipment or
interconnected system or subsystem of
equipment that is used in the creation,
conversion, or duplication of data or
information. The term includes, but is
not limited to, telecommunications
products (such as telephones),
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information kiosks and transaction
machines, world-wide web sites,
multimedia, and office equipment such
as copiers and fax machines. The term
does not include any equipment that
contains embedded information
technology that is used as an integral
part of the product, but the principal
function of which is not the acquisition,
storage, manipulation, management,
movement, control, display, switching,
interchange, transmission, or reception
of data or information. For example,
HVAC (heating, ventilation, and air
conditioning) equipment such as
thermostats or temperature control
devices, and medical equipment where
information technology is integral to its
operation are not electronic and
information technology.
Facility means all or any portion of a
building, structure, equipment, road,
walk, parking lot, rolling stock or other
conveyance, or other real or personal
property.
Has a record of such an impairment
means has a history of, or has been
misclassified as having, a mental or
physical impairment that substantially
limits one or more of the individual’s
major life activities.
Is regarded as having an impairment
means—
(1) Has a physical or mental
impairment that does not substantially
limit major life activities but is treated
by the Bureau as constituting such a
limitation;
(2) Has a physical or mental
impairment that substantially limits
major life activities only as a result of
the attitudes of others toward such
impairment; or
(3) Has none of the impairments
defined in paragraph (1) of this
definition but is treated by the Bureau
as having such an impairment.
Individual with a disability means any
person who has a physical or mental
impairment that substantially limits one
or more of the individual’s major life
activities, has a record of such an
impairment, or is regarded as having
such an impairment. As used in this
definition, the phrase:
Major life activities includes without
limitation—
(1) Caring for oneself, performing
manual tasks, seeing, hearing, eating,
sleeping, walking, standing, sitting,
reaching, lifting, bending, speaking,
breathing, learning, reading,
concentrating, thinking,
communicating, interacting with others,
and working.
(2) The operation of major bodily
functions of the immune system, special
sense organs and skin, normal cell
growth, and digestive genitourinary,
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bowel, bladder, neurological, brain,
respiratory, circulatory, cardiovascular,
endocrine, hemic, lymphatic,
musculoskeletal, and reproductive
functions. The operation of a major
bodily function includes the operation
of an individual organ within a body
system.
(3) In determining other examples of
major life activities, the Bureau will
follow the guidance provided by EEOC
in its 2011 regulations interpreting the
Americans with Disabilities Act
Amendments Act of 2008.
Physical or mental impairment
includes without limitation:
(1) Any physiological disorder or
condition, cosmetic disfigurement, or
anatomical loss affecting one or more of
the following body systems:
Neurological; musculoskeletal; special
sense organs; respiratory, including
speech organs; cardiovascular;
reproductive, digestive; genitourinary;
hemic and lymphatic; skin; and
endocrine.
(2) Any mental or psychological
disorder such as an intellectual
disability, organic brain syndrome,
emotional or mental illness, and specific
learning disabilities.
(3) Diseases and conditions such as
orthopedic, visual, speech and hearing
impairments, cerebral palsy, epilepsy,
muscular dystrophy, multiple sclerosis,
cancer, heart disease, diabetes,
intellectual disability, emotional illness,
drug addiction and alcoholism.
Program or Activity means any
activity of the Bureau permitted or
required by its enabling statutes,
including but not limited to any
proceeding, investigation, hearing, or
meeting.
Qualified individual with a disability
means:
(1) In reference to individuals other
than employees of the Bureau—
(i) With respect to any Bureau
program or activity under which an
individual is required to perform
services or to achieve a level of
accomplishment, an individual with a
disability who, with or without
reasonable accommodations, meets the
essential eligibility requirements for
participation in the program or activity,
and who can achieve the purpose of the
program or activity without
modifications in the program or activity
that would result in a fundamental
alteration in its nature; or
(ii) With respect to any other program
or activity, an individual with a
disability who, with or without
reasonable modification to rules,
policies, or practices that do not change
the fundamental nature of the activity,
or the provision of auxiliary aids, meets
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the essential eligibility requirements for
participation in, or receipt of benefits
from, that program or activity; or
(2) In reference to individuals
employed by the Bureau, the definition
of that term for purposes of employment
contained in 29 CFR 1630.2(m), which
is made applicable to this part by
§ 1072.101.
Section 504 means section 504 of the
Rehabilitation Act of 1973 as amended.
As used in this part, § 504 applies only
to programs or activities conducted by
Executive agencies and not to federally
assisted programs.
Section 508 means section 508 of the
Rehabilitation Act of 1973 as amended.
§ 1072.104
Review of compliance.
(a) The Bureau shall, within two years
of the promulgation of this regulation,
review its current policies and practices
in view of advances in relevant
technology and achievability. Based on
this review, the Bureau shall modify its
practices and procedures to ensure that
the Bureau’s programs and activities are
fully accessible.
(b) The Bureau shall provide an
opportunity to interested persons,
including individuals with disabilities
or organizations representing
individuals with disabilities, to
participate in the review process.
(c) The Bureau shall maintain on file
and make available for public
inspection until three years following
the completion of the compliance
review—
(1) A description of areas examined
and any problems identified; and
(2) A description of any modifications
made.
§ 1072.105
Notice.
The Bureau shall make available to all
Bureau employees, applicants,
participants, beneficiaries, and other
interested persons information
regarding the provisions of this part and
its applicability to the programs or
activities conducted by the Bureau in a
manner that apprises them of the
protections against discrimination
provided by § 504 and this regulation.
§ 1072.106 General prohibitions against
discrimination.
(a) No qualified individual with a
disability in the United States, shall, on
the basis of disability, be excluded from
the participation in, be denied the
benefits of, or otherwise be subjected to
discrimination under any program or
activity conducted by the Bureau.
(b) Discriminatory actions prohibited.
(1) The Bureau, in providing any aid,
benefit, or service, may not directly or
through contractual, licensing, or other
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arrangements, on the basis of
disability—
(i) Deny a qualified individual with a
disability the opportunity to participate
in or benefit from the aid, benefit, or
service;
(ii) Afford a qualified individual with
a disability an opportunity to participate
in or benefit from the aid, benefit, or
service that is not substantially
equivalent to that afforded others;
(iii) Provide different or separate aid,
benefits or services to individuals with
disabilities or to any class of individuals
with disabilities than is provided to
others unless such action is necessary to
provide qualified individuals with
disabilities with aid, benefits or services
that are as effective as those provided to
others;
(iv) Deny a qualified individual with
a disability the opportunity to
participate as a member of planning or
advisory boards.
(2) For purposes of this part, aids,
benefits, and services, to be equally
effective, are not required to produce
the identical result or level of
achievement for individuals with
disabilities and for persons who are not
so identified, but must afford
individuals with disabilities a
reasonable opportunity to obtain the
same result, to gain the same benefit, or
to reach the same level of achievement
in the most integrated setting
appropriate to the individual’s needs.
(3) Even if the Bureau is permitted,
under paragraph (b)(1)(iv) of this
section, to operate a separate or different
program for individuals with disabilities
or for any class of individuals with
disabilities, to the extent reasonably
feasible, the Bureau must permit any
qualified individual with a disability
who wishes to participate in the
program that is not separate or different
to do so.
(4) The Bureau may not, directly or
through contractual or other
arrangements, utilize criteria or methods
of administration the purpose or effect
of which would—
(i) Subject qualified individuals with
disabilities to unlawful discrimination
on the basis of disability; or
(ii) Defeat or substantially impair
accomplishment of the objectives of a
program or activity with respect to
individuals with disabilities.
(5) The Bureau may not, in
determining the site or location of a
facility, make selections the purpose or
effect of which would—
(i) Exclude individuals with
disabilities from, deny them the benefits
of, or otherwise subject them to
unlawful discrimination under any
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program or activity conducted by the
Bureau; or
(ii) Defeat or substantially impair the
accomplishment of the objectives of a
program or activity with respect to
individuals with disabilities.
(6) The Bureau, in the selection of
procurement contractors, may not use
criteria that subject qualified
individuals with disabilities to unlawful
discrimination on the basis of disability.
(7) The Bureau may not administer a
licensing or certification program in a
manner that subjects qualified
individuals with disabilities to unlawful
discrimination on the basis of disability,
nor may the Bureau establish
requirements for the programs or
activities of licensees or certified
entities that subject qualified
individuals with disabilities to unlawful
discrimination on the basis of disability.
However, the programs or activities of
entities that are licensed or certified by
the Bureau are not, themselves, covered
by this part.
(8) The Bureau shall make reasonable
modifications in policies, practices, or
procedures when the modifications are
necessary to avoid discrimination on the
basis of disability, unless the Bureau
can demonstrate that making the
modifications would fundamentally
alter the nature of the program, service,
or activity.
(c) The exclusion of persons who have
not self-identified as having disabilities
from the benefits of a program limited
by federal statute or Executive order to
individuals with disabilities or the
exclusion of a specific class of
individuals with disabilities from a
program limited by federal statute or
Executive order to a different class of
individuals with disabilities is not
prohibited by this part.
(d) The Bureau shall administer
programs and activities in the most
integrated setting appropriate to the
needs of qualified individuals with
disabilities.
emcdonald@gpo.gov on DSK67QTVN1PROD with RULES
§ 1072.107
Employment.
No qualified individual with
disability shall, on the basis of
disability, be subjected to unlawful
discrimination in employment under
any program or activity conducted by
the Bureau. The definitions,
requirements and procedures of § 501 of
the Rehabilitation Act of 1973, 29 U.S.C.
791, as established by the Equal
Employment Opportunity Commission
in 29 CFR parts 1614 and 1630, shall
apply to employment in federally
conducted programs or activities.
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§ 1072.108 Program accessibility:
Discrimination prohibited.
Except as otherwise provided in
§ 1072.109 no qualified individual with
a disability shall, because the Bureau’s
facilities are inaccessible to or unusable
by individuals with disabilities, be
denied the benefits of, be excluded from
participation in, or otherwise be
subjected to discrimination under any
program or activity conducted by the
Bureau .
§ 1072.109
facilities.
Program accessibility: Existing
(a) General. The Bureau shall operate
each program or activity so that the
program or activity, when viewed in its
entirety, is accessible to and usable by
individuals with disabilities. This
paragraph does not require the Bureau
(1) To make structural alterations in
each of its existing facilities in order to
make them accessible to and usable by
individuals with disabilities where
other methods are effective in achieving
compliance with this section; or
(2) To take any action that would
result in a fundamental alteration in the
nature of a program or activity or in
undue financial and administrative
burdens. If an action would result in
such an alteration or such burdens, the
Bureau shall take any other action that
would not result in such an alteration or
such burdens but would nevertheless to
the extent reasonably feasible ensure
that individuals with disabilities receive
the benefits and services of the program
or activity.
(b) Methods. The Bureau may comply
with the requirements of this section
through such means as redesign of
equipment, reassignment of services to
accessible buildings, assignment of
aides to beneficiaries, home visits,
delivery of services at alternate
accessible sites, alteration of existing
facilities and construction of new
facilities, use of accessible rolling stock,
or any other methods that result in
making its programs or activities readily
accessible to and usable by individuals
with disabilities. The Bureau, in making
alterations to existing buildings, shall
meet accessibility requirements to the
extent compelled by the Architectural
Barriers Act of 1968, as amended (42
U.S.C. 4151–4157), and any regulations
implementing it. In choosing among
available methods for meeting the
requirements of this section, the Bureau
shall give priority to those methods that
offer programs and activities to qualified
individuals with disabilities in the most
integrated setting appropriate.
(c) Time period for compliance. The
Bureau shall comply with the
obligations established under this
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46611
section within ninety (90) days of the
effective date of this part except that
where structural changes in facilities are
undertaken, such changes in facilities
are undertaken, such changes shall be
made within three years of the effective
date of this part, but in any event as
expeditiously as possible.
§ 1072.110 Program accessibility: New
construction and alterations.
Each building or part of a building
that is constructed or altered by, on
behalf of, or for the use of the Bureau
shall be designed, constructed, or
altered so as to be readily accessible to
and usable by individuals with
disabilities. The definitions,
requirements, and standards of the
Architectural Barriers Act (42 U.S.C.
4151–4157), as implemented in 41 CFR
101–19.600 through 101–19.607, apply
to buildings covered by this section.
§ 1072.111
Communications.
(a) The Bureau shall take appropriate
steps to effectively communicate with
applicants, participants, personnel of
other federal entities, and members of
the public.
(1) The Bureau shall furnish
appropriate auxiliary aids where
necessary to afford an individual with a
disability an equal opportunity to
participate in, and enjoy the benefits of,
a program or activity conducted by the
Bureau.
(i) In determining what type of
auxiliary aid is necessary, the Bureau
shall give consideration to any
reasonable request of the individual
with a disability.
(ii) The Bureau need not provide
individually prescribed devices, readers
for personal use or study, or other
devices of a personal nature to
applicants or participants in programs.
(2) Where the Bureau communicates
with applicants and beneficiaries by
telephone, the Bureau shall use a
telecommunication device for deaf
persons (TDD’s) or equally effective
telecommunication systems to
communicate with persons with
impaired hearing.
(b) The Bureau shall make available to
interested persons, including persons
with impaired vision or hearing,
information as to the existence and
location of accessible services,
activities, and facilities.
(c) The Bureau shall post notices at a
primary entrance to each of its
inaccessible facilities, directing users to
an accessible facility, or to a location at
which they can obtain information
about accessible facilities. The
international symbol for accessibility
shall be used at each primary entrance
of an accessible facility.
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Federal Register / Vol. 77, No. 151 / Monday, August 6, 2012 / Rules and Regulations
(d) This section does not require the
Bureau to take any action that would
result in a fundamental alteration in the
nature of a program or activity or in
undue financial and administrative
burdens.
emcdonald@gpo.gov on DSK67QTVN1PROD with RULES
§ 1072.112.
Compliance procedures.
(a) Except as provided in paragraph
(b) of this section, this section applies
to all allegations of discrimination on
the basis of disability in programs and
activities conducted by the Bureau and
denial of access to electronic and
information technology.
(b) The Bureau shall process
complaints alleging violations of section
504 with respect to employment
according to the procedures established
by the Equal Employment Opportunity
Commission in 29 CFR part 1614
pursuant to section 501 of the
Rehabilitation Act of 1973 (29 U.S.C.
791).
(c) All other complaints alleging
violations of section 504 or section 508
may be sent to Labor and Employee
Relations, Office of the Chief Human
Capital Officer Consumer Financial
Protection Bureau, 1700 G Street NW.,
Washington, DC 20052. The Office of
the Chief Human Capital Officer shall be
responsible for coordinating
implementation of this section.
(d) Complaint-filing procedures. (1)
Any person who believes that he or she
has been subjected to discrimination
prohibited by this part may by himself
or herself or by his or her authorized
representative file a complaint. Any
person who believes that any specific
class of persons has been subjected to
discrimination prohibited by this part
and who is a member of that class or the
authorized representative of a member
of that class may file a class complaint.
(2) The Bureau shall accept and
investigate each timely filed, complete
complaint over which it has
jurisdiction.
(3) A complete complaint must be
filed within 180 days of the alleged act
of discrimination. A complaint
submitted to the Bureau via first-class
mail will be deemed to have been filed
when postmarked. A complaint
submitted to the Bureau via any other
means of delivery will be deemed to
have been filed when received by the
Bureau. The Bureau may extend this
time period for good cause.
(e) If the Bureau receives a complaint
over which it does not have jurisdiction,
it shall promptly notify the complainant
and shall make reasonable efforts to
refer the complaint to the appropriate
government entity.
(f) The Bureau shall notify the
Architectural and Transportation
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Jkt 226001
Barriers Compliance Board upon receipt
of any complaint alleging that a building
or facility that is subject to the
Architectural Barriers Act of 1968, as
amended (42 U.S.C. 4151–4157), is not
readily accessible to and usable by
individuals with disabilities.
(g)(1) Within 180 days of the receipt
of a timely filed, complete complaint
over which it has jurisdiction, the
Bureau shall notify the complainant of
the results of the investigation in a letter
containing:
(i) Findings of fact and conclusions of
law;
(ii) A description of a remedy for each
violation found; and
(iii) A notice of the right to appeal.
(2) Bureau employees are required to
cooperate in the investigation and
attempted resolution of complaints.
Employees who are required to
participate in any investigation under
this section shall do so as part of their
official duties and during the course of
regular duty hours.
(3) If a complaint is resolved
informally, the terms of the agreement
shall be reduced to writing and made
part of the complaint file, with a copy
of the agreement provided to the
complainant. The written agreement
shall describe the subject matter of the
complaint and any corrective action to
which the parties have agreed.
(h) Appeals of the findings of fact and
conclusions of law or remedies must be
filed by the complainant within 30 days
of receipt from the Bureau of the letter
required by § 1072.112(g). The Bureau
may extend this time for good cause.
(i) Timely appeals shall be accepted
and processed by the Chief Human
Capital Officer, who will issue the final
agency decision which may include
appropriate corrective action to be taken
by the Bureau.
(j) The Bureau shall notify the
complainant of the results of the appeal
within 60 days of the receipt of the
timely appeal. If the Bureau determines
that it needs additional information
from the complainant, it shall have 60
days from the date it received the
additional information to make its
determination on the appeal.
(k) The time limits cited in paragraphs
(g) and (j) of this section may be
extended for an individual case when
the Chief Human Capital Officer
determines there is good cause, based
on the particular circumstances of that
case, for the extension.
(l) The Bureau may delegate its
authority for conducting complaint
investigations to other federal agencies
or may contract with a nongovernment
investigator to perform the
investigation, but the authority for
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making the final determination may not
be delegated to another entity.
Dated: June 18, 2012.
Richard Cordray,
Director, Bureau of Consumer Financial
Protection.
[FR Doc. 2012–18827 Filed 8–3–12; 8:45 am]
BILLING CODE 4810–AM–P
DEPARTMENT OF HEALTH AND
HUMAN SERVICES
Food and Drug Administration
21 CFR Parts 510, 522, and 524
[Docket No. FDA–2012–N–0002]
New Animal Drugs; Change of
Sponsor; Change of Sponsor Address;
Azaperone; Miconazole, Polymyxin B,
and Prednisolone Suspension
AGENCY:
Food and Drug Administration,
HHS.
ACTION:
Final rule.
The Food and Drug
Administration (FDA) is amending the
animal drug regulations to reflect a
change of sponsor for two new animal
drug applications (NADAs) from Janssen
Pharmaceutica NV, to Elanco Animal
Health, a Division of Eli Lilly & Co. FDA
is also amending the animal drug
regulations to reflect a change of
sponsor’s address for Veterinary
Service, Inc.
DATES: This rule is effective August 6,
2012.
FOR FURTHER INFORMATION CONTACT:
Steven D. Vaughn, Center for Veterinary
Medicine (HFV–100), Food and Drug
Administration, 7520 Standish Pl.,
Rockville, MD 20855, 240–276–8300,
email: steven.vaughn@fda.hhs.gov.
SUPPLEMENTARY INFORMATION: Janssen
Pharmaceutica NV, Turnhoutseweg 30,
B–2340 Beerse, Belgium, has informed
FDA that it has transferred ownership
of, and all rights and interest in, NADA
115–732 for STRESNIL (azaperone)
Injection and NADA 141–298 for
SUROLAN (miconazole nitrate,
polymyxin B sulfate, prednisolone
acetate) Otic Suspension to Elanco
Animal Health, a Division of Eli Lilly &
Co., Lilly Corporate Center,
Indianapolis, IN 46285. Following these
changes of sponsorship, Janssen
Pharmaceutica NV will no longer be the
sponsor of an approved application.
Accordingly, the Agency is amending
the regulations in 21 CFR 510.600,
522.150, and 524.1445 to reflect the
transfer of ownership.
In addition, Veterinary Service, Inc.,
416 North Jefferson St., P.O. Box 2467,
SUMMARY:
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Agencies
[Federal Register Volume 77, Number 151 (Monday, August 6, 2012)]
[Rules and Regulations]
[Pages 46606-46612]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2012-18827]
=======================================================================
-----------------------------------------------------------------------
BUREAU OF CONSUMER FINANCIAL PROTECTION
12 CFR Part 1072
[Docket No. CFPB-2012-0025]
Enforcement of Nondiscrimination on the Basis of Disability in
Programs and Activities Conducted by the Bureau of Consumer Financial
Protection
AGENCY: Bureau of Consumer Financial Protection.
ACTION: Interim final rule with request for public comment.
-----------------------------------------------------------------------
SUMMARY: This interim final rule provides for the enforcement of
section 504 of the Rehabilitation Act of 1973, as amended, which
prohibits discrimination on the basis of disability in programs or
activities conducted by the Bureau of Consumer Financial Protection. It
sets forth standards for what constitutes discrimination on the basis
of mental or physical disability, provides a definition for
``individual with a disability'' and ``qualified individual with a
disability,'' and establishes a complaint mechanism for resolving
allegations of discrimination. The rule further clarifies that the
complaint mechanism is also available for processing complaints that
the agency has failed to meet accessibility standards for electronic
and information technology, in violation of section 508 of the
Rehabilitation Act of 1973.
DATES: This interim final rule is effective August 6, 2012. Written
comments must be submitted by October 5, 2012.
ADDRESSES: You may submit comments, identified by Docket No. CFPB-2012-
0025, by any of the following methods:
Electronic: https://www.regulations.gov. Follow the
instructions for submitting comments.
Mail or Hand Delivery/Courier: Monica Jackson, Office of
the Executive Secretary, Consumer Financial Protection Bureau, 1700 G
Street NW., Washington, DC 200552.
Instructions: All submissions must include the agency name and
docket number for this rulemaking. In general, all comments received
will be posted without change to https://www.regulations.gov. In
addition, comments will be available for public inspection and copying
at 1700 G Street, NW., Washington, DC 20552, on official business days
between the hours of 10 a.m. and 5 p.m. Eastern Time. You can make an
appointment to inspect the documents by telephoning (202) 435-7275.
All comments, including attachments and other supporting materials,
will become part of the public record and subject to public disclosure.
Sensitive personal information, such as account numbers or social
security numbers, should not be included. Comments will not be edited
to remove any identifying or contact information.
FOR FURTHER INFORMATION CONTACT: Monica Jackson, Office of the
Executive Secretary, Consumer Financial Protection Bureau, 1700 G
Street NW., Washington, DC 20552 at 202-435-7275.
SUPPLEMENTARY INFORMATION:
I. Background
On July 21, 2010, the President signed into law the Dodd-Frank Wall
Street Reform and Consumer Protection Act (Pub. L. 111-203). Title X of
that law is the Consumer Financial Protection Act of 2010 (the
``Act''), which created the Bureau of Consumer Financial Protection
(the ``Bureau''). Pursuant to the provisions of the Act, the Bureau
began to exercise its authorities to regulate the offering and
provision of consumer financial products and services under the federal
consumer financial laws on July 21, 2011.
II. Summary of Interim Final Rule
This interim final rule establishes procedures for the Bureau that
are necessary to implement section 504 of the Rehabilitation Act of
1973, 29 U.S.C. 794, as amended by the Rehabilitation, Comprehensive
Services, and Developmental Disabilities Amendments of 1978, Sec. 119
(Pub. L. 95-602, 92 Stat. 2982), the Rehabilitation Act Amendments of
1986 (Pub. L. 99-506, 100 Stat. 1810), the Workforce Investment Act of
1998 (Pub. L. 105-220, 112 Stat. 936), and the Americans with
Disabilities Act Amendments of 2008 (Pub. L. 110-325, 122 Stat. 3553).
It is an adaptation of the model rule prepared by the Department of
Justice in 1980 under Executive Order 12250, 45 FR 72995, 3 CFR, 1980
Comp., p. 298.
The Bureau invites public comment on all aspects of this interim
final rule and will take those comments into account before publishing
a final rule.
Section-by-Section Analysis
Section 1072.101 Purpose
Section 1072.101 states that the purpose of the rule is to
effectuate section 119 of the Rehabilitation, Comprehensive Services,
and Developmental Disabilities Amendments of 1978, which amended
section 504 of the Rehabilitation Act of 1973 to prohibit
discrimination on the basis of disability in programs or activities
conducted by Executive agencies or the United States Postal Service.
Section 1072.102 Application
The regulation applies to all programs or activities conducted by
the Bureau.
Section 1072.103 Definitions
Section 1072.103 defines terms that are utilized elsewhere in the
rule. Several of these terms warrant brief discussion. The Bureau has
modified the language of the Department of Justice model to replace the
terms ``handicap,'' ``individual with a
[[Page 46607]]
handicap,'' and ``individuals with handicaps'' with the terms
``disability,'' ``individual with a disability,'' and ``individuals
with disabilities,'' respectively, in keeping with the most current
statutory terms used in the Americans with Disabilities Act. 42 U.S.C.
12101, et seq. The Bureau has modified the characterization of ``major
life activities'' in the definition of ``individual with a disability''
to reflect the guidance provided by EEOC in its 2011 regulations
interpreting the Americans with Disabilities Act Amendments Act of
2008. We intend our definition of the term ``major life activities'' to
be interpreted consistent with that guidance. Similarly, the evaluation
of whether an identified disability ``substantially limits'' an
individual's major life activities is not intended to be restrictive in
nature and, with the exception of vision-correcting tools (eyeglasses
and contact lenses), is to be made without regard to whether an
individual has taken ameliorative measures. For example, an individual
with bipolar disorder is within the definition of ``individual with a
disability'' even if medication balances the individual's mood.
Conditions that may be episodic, such as major depression, or subject
to remission, such as cancer, will be evaluated as if they were active.
The Bureau has also modified the language of the Department of
Justice model to replace the outdated term ``mental retardation'' with
``intellectual disability.'' The definition of ``auxiliary aids'' has
been modified to reflect technological developments that have rendered
obsolete some forms of communication common in 1984 through the use of
new technologies available to the public.
Section 1072.104 Self-Evaluation
This section commits the Bureau to conduct a self-evaluation of its
compliance with section 504 within two years of the effective date of
this regulation. This provision comports with the Department of Justice
guidance. The Bureau recognizes the value of a self-evaluation process
to obtain meaningful feedback from the community affected by this
regulation and to promote effective and efficient implementation of
section 504.
Section 1072.105 Notice
This section commits the Bureau to make available to employees,
applicants, participants, beneficiaries, and other interested persons
sufficient information about Bureau programs and activities, and to
apprise them of rights and protections afforded by section 504 and this
regulation. The language of the section follows that of the Department
of Justice model.
Section 1072.106 General Prohibitions Against Discrimination
This section is an adaptation of the corresponding section of the
Department of Justice model.
Paragraph (a) restates the nondiscrimination mandate of section
504. The remaining paragraphs in the section establish the general
principles for analyzing whether any particular action of the agency
violates this mandate. These principles serve as the analytical
foundation for the remaining sections of the regulation.
Paragraph (b) prohibits overt denials of equal treatment of
individuals with disabilities. The Bureau may not refuse to provide an
individual with a disability an opportunity to participate in or
benefit from its programs on the basis of that disability. The
determination, rather, must always be whether the individual, with or
without a reasonable accommodation, has the actual ability to
participate or benefit. Paragraph (b)(1)(iii) requires that the
opportunity to participate or benefit afforded to an individual with a
disability be as effective as the opportunity afforded to others--that
is, that facilities be accessible to those with physical disabilities,
and that assistive accommodations be available to those who may require
such accommodations to access communications from the Bureau.
Paragraph (b)(1)(iv) prohibits the Bureau from denying a qualified
individual with a disability the opportunity to participate as a member
of a planning or advisory board. Paragraphs (b)(2) through (b)(6)
generally comport with the Department of Justice model language, except
to the extent that they refer to ``individuals with disabilities''
rather than ``individuals with handicaps.'' These paragraphs
collectively prohibit any Bureau policy or practice that would have the
effect of unlawfully discriminating against individuals with
disabilities, whether any such policy or practice is overtly
exclusionary or, although neutral on its face, results in denying an
effective opportunity for participation in a Bureau program or benefit
to individuals with disabilities. Pursuant to these paragraphs, the
Bureau must evaluate whether criteria or methods of administration may
result in denial of opportunity to individuals with disabilities
(paragraph (b)(4)), selection of facilities for use by the Bureau
ensures accessibility for individuals with disabilities (paragraph
(b)(5)), criteria for selection of procurement contractors may result
in denial of opportunity to individuals with disabilities (paragraph
(b)(6)), and licensing and certification procedures are neutrally
applied to individuals with disabilities (paragraph (b)(7)).
Paragraph (b)(8) clarifies that section 504 does not extend to the
programs or activities of licensees or certified entities, which are
not themselves federally conducted programs or activities.
Paragraph (c) permits the Bureau to limit participation in programs
designed to benefit individuals with disabilities or a given class of
individuals with disabilities to those individuals or classes of
individuals.
Paragraph (d) provides the Bureau will administer programs and
activities in the most integrated setting appropriate to the needs of
qualified individuals with disabilities--that is, in a setting in which
individuals with disabilities will be interacting with individuals who
have not self-identified as having disabilities.
Section 1072.107 Employment
This section prohibits unlawful discrimination on the basis of
disability in employment by the Bureau. The section clarifies that the
definitions, requirements, and procedures of section 501 of the
Rehabilitation Act of 1973 apply to employment in federally conducted
programs or activities.
Section 1072.108 Program Accessibility: Discrimination Prohibited
Section 1072.108 states the general nondiscrimination principle
underlying the program accessibility requirements of the following two
sections.
Section 1072.109 Program Accessibility: Existing Facilities
This section requires that each Bureau program or activity, when
viewed in its entirety, be accessible to and usable by individuals with
disabilities. The section does not require, however, that the Bureau
make each existing facility in which it operates programs or activities
accessible to and usable by individuals with disabilities, as long as
program accessibility can be achieved through other means. Paragraph
(a)(2) provides that in meeting the program accessibility requirement
the Bureau is not required to take any action that would result in a
fundamental alteration in the nature of its program or activity or that
would result in undue financial and administrative burden. The
paragraph states the burden of proving that compliance with
accessibility requirements would fundamentally alter
[[Page 46608]]
the nature of a program or activity or would result in undue financial
and administrative burdens rests with the Bureau. A decision that
compliance would result in such alteration or burdens must be made by
the Bureau head or his or her designee and must be accompanied by a
written statement of the reasons for reaching that conclusion. Any
person who believes that he or she has been injured by the Bureau
head's decision or failure to make a decision may file a complaint
under the compliance procedures established in Sec. 1072.112.
Paragraph (b) sets forth methods by which program accessibility may
be achieved, which include delivering services at alternate accessible
sites or making home visits. The paragraph reiterates the Bureau's
commitment to give priority to those methods that offer programs and
activities to qualified individuals with disabilities in the most
integrated setting appropriate.
Paragraph (c) establishes the time period for complying with the
program accessibility requirement. As a new federal entity occupying
leased space, the Bureau is obligated to evaluate any prospective
leased property to ensure that structural accessibility standards are
satisfied. Aside from structural changes, all other necessary steps to
achieve compliance shall be taken within ninety days of the effective
date of this regulation.
Section 1072.110 Program Accessibility: New Construction and
Alterations
This section clarifies that the definitions, requirements, and
standards of the Architectural Barriers Act, 42 U.S.C. 4151-4157, apply
to all buildings or parts of buildings constructed or altered by or on
behalf of the Bureau. Any such facilities must be readily accessible to
and usable by individuals with disabilities.
Section 1072.111 Communications
This section obligates the Bureau to provide appropriate assistive
accommodations to ensure that the Bureau can communicate effectively
with all applicants, participants, personnel of other federal entities,
and members of the public, including individuals with disabilities.
Paragraph (a)(1)(i) states that the Bureau will consider providing
auxiliary aids in accordance with the expressed preference of the
individual requesting accommodation. Paragraph (a)(1)(ii) notes that
the Bureau is not obligated to provide personally prescribed devices to
individuals with disabilities.
Paragraph (b) states the Bureau will ensure that interested persons
can obtain information about the existence and location of accessible
services, activities, and facilities. Paragraph (c) commits the Bureau
to provide signage utilizing the international symbol for accessibility
informing individuals with disabilities of the location of accessible
entrances to and routes within the Bureau's facilities.
Paragraph (d) clarifies that this section does not require the
Bureau to take any action that it can demonstrate would result in a
fundamental alteration in the nature of a program or activity or in
undue financial and administrative burdens, and sets forth the
procedures whereby the Bureau may establish that such conditions exist.
Section 1072.112 Compliance Procedures
Paragraph (a) of this section specifies that paragraphs (c) through
(l) establish the procedures for processing complaints other than
employment complaints. Paragraph (b) provides that the Bureau will
process employment complaints according to procedures established in
existing regulations of the Equal Employment Opportunity Commission, 29
CFR part 1614, pursuant to section 501 of the Rehabilitation Act of
1973, 29 U.S.C. 791.
Paragraph (c) vests responsibility for the implementation and
operation of this section in the Office of the Chief Human Capital
Officer.
Paragraph (d)(1) is adapted from the compliance procedures of the
Department of Justice's model regulation. This paragraph prevents third
parties from filing generalized complaints where there has been no harm
to a particular individual or individuals. The Bureau is required to
accept and investigate all complete complaints, as defined in Sec.
1072.103.
Paragraph (e) states if the Bureau determines that it does not have
jurisdiction over a complaint, it shall promptly notify the complainant
and make reasonable efforts to refer the complaint to an appropriate
entity of the federal government. Paragraph (f) specifically requires
the Bureau to notify the Architectural and Transportation Barriers
Compliance Board upon receipt of a complaint alleging that a building
or facility subject to the Architectural Barriers Act was designed,
constructed, or altered in a manner that does not provide ready access
to and use by individuals with disabilities.
Paragraph (g) requires the Bureau to prepare written findings of
fact and conclusions of law, the relief granted if noncompliance is
found, and notice to the complainant of the right to appeal. Paragraph
(i) provides for an internal appeal process within the Office of the
Chief Human Capital Officer.
Paragraph (l) permits the Bureau either to delegate its
investigative responsibilities under this section to another federal
agency or to contract with a nongovernmental investigator. The Bureau
may not delegate its responsibility to make a determination of
compliance or noncompliance.
III. Procedural Requirements
The Bureau concludes this interim final rule constitutes a Bureau
rule of organization, procedure, or practice that is exempt from notice
and public comment pursuant to 5 U.S.C. 553(b).
In any event, the Bureau has also determined that good cause
exists, pursuant to 5 U.S.C. 553(b), to publish these regulations as an
interim final rule. It is important for the Bureau to establish
additional procedures promptly to facilitate the Bureau's interactions
with the public. The Bureau began exercising certain parts of its
regulatory authority on July 21, 2011, as well as launching several
consumer outreach initiatives. The Bureau's public Web site has been
developed to meet accessibility standards and to comport with Sec.
508. Failure to establish such procedures promptly risks impairing the
ability of individuals with disabilities to access Bureau facilities,
communications, programs, and activities, and to participate in the
public outreach that the Bureau encourages. Furthermore, the Bureau has
adapted Department of Justice guidance that has been broadly
implemented across the federal government. For all of these reasons,
the Bureau concludes that notice and public comment are unnecessary for
these regulations and that delay will be contrary to the public
interest. For the same reasons, the Bureau has determined that this
interim rule should be issued without a delayed effective date pursuant
to 5 U.S.C. 553(d)(3).
Notwithstanding these conclusions, the Bureau invites public
comment on this interim final rule.
Because no notice of proposed rulemaking is required, these
regulations are not a ``rule'' as defined by the Regulatory Flexibility
Act do not apply, 5 U.S.C. 601(2). The regulations in this part do not
contain any information collection requirement that requires the
approval of OMB under the Paperwork Reduction Act, 44 U.S.C. 3501 et
seq.
[[Page 46609]]
List of Subjects in 12 CFR Part 1072
Blind, Buildings, Civil rights, Employment, Equal employment
opportunity, Federal buildings and facilities, Government employees,
Individuals with disabilities.
Authority and Issuance
For the reasons set forth above, the Bureau amends Chapter X in
Title 12 of the Code of Federal Regulations by adding a new part 1072
to read as follows:
CHAPTER X--BUREAU OF CONSUMER FINANCIAL PROTECTION
PART 1072--ENFORCEMENT OF NONDISCRIMINATION ON THE BASIS OF
DISABILITY IN PROGRAMS AND ACTIVITIES CONDUCTED BY THE BUREAU OF
CONSUMER FINANCIAL PROTECTION
Sec.
1072.101 Purpose.
1072.102 Application.
1072.103 Definitions.
1072.104 Review of compliance.
1072.105 Notice.
1072.106 General prohibitions against discrimination.
1072.107 Employment.
1072.108 Program accessibility: Discrimination prohibited.
1072.109 Program accessibility: Existing facilites.
1072.110 Program accessibility: New construction and alterations.
1072.111 Communications.
1072.112 Compliance procedures.
Authority: 29 U.S.C. 794; 29 U.S.C. 794d.
Sec. 1072.101 Purpose.
(a) This part implements section 504 of the Rehabilitation Act of
1973, as amended by the Rehabilitation, Comprehensive Services, and
Developmental Disabilities Amendments of 1978, Sec. 119 (Pub. L. 95-
602, 92 Stat. 2982), the Rehabilitation Act Amendments of 1986 (Pub. L.
99-506, 100 Stat. 1810), the Workforce Investment Act of 1998 (Pub. L.
105-220, 112 Stat. 936), and the Americans with Disabilities Act
Amendments of 2008 (Pub. L. 110-325, 122 Stat. 3553), to prohibit
discrimination on the basis of disability in programs or activities
conducted by Executive agencies or the United States Postal Service.
(b) This part is also intended to implement section 508 of the
Rehabilitation Act of 1973 as amended to ensure that employees and
members of the public with disabilities have access to, and are able to
use, electronic and information technology (EIT) to the same extent as
individuals without disabilities, unless an undue burden would be
imposed on the department or the Bureau. Specifically, this part
clarifies that individuals with disabilities may utilize the complaint
procedures established in section 504 to enforce rights guaranteed
under section 508.
Sec. 1072.102 Application.
This part applies to all programs, activities, and electronic and
information technology developed, procured, maintained, used, or
conducted by the Bureau.
Sec. 1072.103 Definitions.
For purposes of this part Auxiliary aids means services or devices
that enable persons with impaired sensory, manual, or speaking skills
to have an opportunity to participate in, and enjoy the benefits of,
programs or activities conducted by the Bureau. For example, auxiliary
aids useful for persons with impaired vision include readers, Brailled
materials, audio recordings and other similar services and devices.
Auxiliary aids useful for persons with impaired hearing include
telephone handset amplifiers, telephones compatible with hearing aids,
telecommunications devices for deaf persons (TDD's), interpreters,
Computer-aided real-time transcription (CART), captioning, note takers,
written materials, and other similar services and devices.
Bureau means the Bureau of Consumer Financial Protection.
Complete complaint means a written statement or a complaint in
audio, Braille, electronic, and/or video format, that contains the
complainant's name and address, and describes the Bureau's alleged
discriminatory action in sufficient detail to inform the Bureau of the
nature and date of the alleged violation of section 504 or section 508.
It shall be signed by the complainant or by someone authorized to do so
on his or her behalf. Complaints in audio, Braille, electronic, and/or
video formats shall contain an affirmative identity statement of the
individual, which for this purpose shall be considered to be
functionally equivalent to a complaint's signature. Complaints filed on
behalf of classes of individuals with disabilities shall also identify
(where possible) the alleged victims of discrimination.
Electronic and information technology means information technology
and any equipment or interconnected system or subsystem of equipment
that is used in the creation, conversion, or duplication of data or
information. The term includes, but is not limited to,
telecommunications products (such as telephones), information kiosks
and transaction machines, world-wide web sites, multimedia, and office
equipment such as copiers and fax machines. The term does not include
any equipment that contains embedded information technology that is
used as an integral part of the product, but the principal function of
which is not the acquisition, storage, manipulation, management,
movement, control, display, switching, interchange, transmission, or
reception of data or information. For example, HVAC (heating,
ventilation, and air conditioning) equipment such as thermostats or
temperature control devices, and medical equipment where information
technology is integral to its operation are not electronic and
information technology.
Facility means all or any portion of a building, structure,
equipment, road, walk, parking lot, rolling stock or other conveyance,
or other real or personal property.
Has a record of such an impairment means has a history of, or has
been misclassified as having, a mental or physical impairment that
substantially limits one or more of the individual's major life
activities.
Is regarded as having an impairment means--
(1) Has a physical or mental impairment that does not substantially
limit major life activities but is treated by the Bureau as
constituting such a limitation;
(2) Has a physical or mental impairment that substantially limits
major life activities only as a result of the attitudes of others
toward such impairment; or
(3) Has none of the impairments defined in paragraph (1) of this
definition but is treated by the Bureau as having such an impairment.
Individual with a disability means any person who has a physical or
mental impairment that substantially limits one or more of the
individual's major life activities, has a record of such an impairment,
or is regarded as having such an impairment. As used in this
definition, the phrase:
Major life activities includes without limitation--
(1) Caring for oneself, performing manual tasks, seeing, hearing,
eating, sleeping, walking, standing, sitting, reaching, lifting,
bending, speaking, breathing, learning, reading, concentrating,
thinking, communicating, interacting with others, and working.
(2) The operation of major bodily functions of the immune system,
special sense organs and skin, normal cell growth, and digestive
genitourinary,
[[Page 46610]]
bowel, bladder, neurological, brain, respiratory, circulatory,
cardiovascular, endocrine, hemic, lymphatic, musculoskeletal, and
reproductive functions. The operation of a major bodily function
includes the operation of an individual organ within a body system.
(3) In determining other examples of major life activities, the
Bureau will follow the guidance provided by EEOC in its 2011
regulations interpreting the Americans with Disabilities Act Amendments
Act of 2008.
Physical or mental impairment includes without limitation:
(1) Any physiological disorder or condition, cosmetic
disfigurement, or anatomical loss affecting one or more of the
following body systems: Neurological; musculoskeletal; special sense
organs; respiratory, including speech organs; cardiovascular;
reproductive, digestive; genitourinary; hemic and lymphatic; skin; and
endocrine.
(2) Any mental or psychological disorder such as an intellectual
disability, organic brain syndrome, emotional or mental illness, and
specific learning disabilities.
(3) Diseases and conditions such as orthopedic, visual, speech and
hearing impairments, cerebral palsy, epilepsy, muscular dystrophy,
multiple sclerosis, cancer, heart disease, diabetes, intellectual
disability, emotional illness, drug addiction and alcoholism.
Program or Activity means any activity of the Bureau permitted or
required by its enabling statutes, including but not limited to any
proceeding, investigation, hearing, or meeting.
Qualified individual with a disability means:
(1) In reference to individuals other than employees of the
Bureau--
(i) With respect to any Bureau program or activity under which an
individual is required to perform services or to achieve a level of
accomplishment, an individual with a disability who, with or without
reasonable accommodations, meets the essential eligibility requirements
for participation in the program or activity, and who can achieve the
purpose of the program or activity without modifications in the program
or activity that would result in a fundamental alteration in its
nature; or
(ii) With respect to any other program or activity, an individual
with a disability who, with or without reasonable modification to
rules, policies, or practices that do not change the fundamental nature
of the activity, or the provision of auxiliary aids, meets the
essential eligibility requirements for participation in, or receipt of
benefits from, that program or activity; or
(2) In reference to individuals employed by the Bureau, the
definition of that term for purposes of employment contained in 29 CFR
1630.2(m), which is made applicable to this part by Sec. 1072.101.
Section 504 means section 504 of the Rehabilitation Act of 1973 as
amended. As used in this part, Sec. 504 applies only to programs or
activities conducted by Executive agencies and not to federally
assisted programs.
Section 508 means section 508 of the Rehabilitation Act of 1973 as
amended.
Sec. 1072.104 Review of compliance.
(a) The Bureau shall, within two years of the promulgation of this
regulation, review its current policies and practices in view of
advances in relevant technology and achievability. Based on this
review, the Bureau shall modify its practices and procedures to ensure
that the Bureau's programs and activities are fully accessible.
(b) The Bureau shall provide an opportunity to interested persons,
including individuals with disabilities or organizations representing
individuals with disabilities, to participate in the review process.
(c) The Bureau shall maintain on file and make available for public
inspection until three years following the completion of the compliance
review--
(1) A description of areas examined and any problems identified;
and
(2) A description of any modifications made.
Sec. 1072.105 Notice.
The Bureau shall make available to all Bureau employees,
applicants, participants, beneficiaries, and other interested persons
information regarding the provisions of this part and its applicability
to the programs or activities conducted by the Bureau in a manner that
apprises them of the protections against discrimination provided by
Sec. 504 and this regulation.
Sec. 1072.106 General prohibitions against discrimination.
(a) No qualified individual with a disability in the United States,
shall, on the basis of disability, be excluded from the participation
in, be denied the benefits of, or otherwise be subjected to
discrimination under any program or activity conducted by the Bureau.
(b) Discriminatory actions prohibited. (1) The Bureau, in providing
any aid, benefit, or service, may not directly or through contractual,
licensing, or other arrangements, on the basis of disability--
(i) Deny a qualified individual with a disability the opportunity
to participate in or benefit from the aid, benefit, or service;
(ii) Afford a qualified individual with a disability an opportunity
to participate in or benefit from the aid, benefit, or service that is
not substantially equivalent to that afforded others;
(iii) Provide different or separate aid, benefits or services to
individuals with disabilities or to any class of individuals with
disabilities than is provided to others unless such action is necessary
to provide qualified individuals with disabilities with aid, benefits
or services that are as effective as those provided to others;
(iv) Deny a qualified individual with a disability the opportunity
to participate as a member of planning or advisory boards.
(2) For purposes of this part, aids, benefits, and services, to be
equally effective, are not required to produce the identical result or
level of achievement for individuals with disabilities and for persons
who are not so identified, but must afford individuals with
disabilities a reasonable opportunity to obtain the same result, to
gain the same benefit, or to reach the same level of achievement in the
most integrated setting appropriate to the individual's needs.
(3) Even if the Bureau is permitted, under paragraph (b)(1)(iv) of
this section, to operate a separate or different program for
individuals with disabilities or for any class of individuals with
disabilities, to the extent reasonably feasible, the Bureau must permit
any qualified individual with a disability who wishes to participate in
the program that is not separate or different to do so.
(4) The Bureau may not, directly or through contractual or other
arrangements, utilize criteria or methods of administration the purpose
or effect of which would--
(i) Subject qualified individuals with disabilities to unlawful
discrimination on the basis of disability; or
(ii) Defeat or substantially impair accomplishment of the
objectives of a program or activity with respect to individuals with
disabilities.
(5) The Bureau may not, in determining the site or location of a
facility, make selections the purpose or effect of which would--
(i) Exclude individuals with disabilities from, deny them the
benefits of, or otherwise subject them to unlawful discrimination under
any
[[Page 46611]]
program or activity conducted by the Bureau; or
(ii) Defeat or substantially impair the accomplishment of the
objectives of a program or activity with respect to individuals with
disabilities.
(6) The Bureau, in the selection of procurement contractors, may
not use criteria that subject qualified individuals with disabilities
to unlawful discrimination on the basis of disability.
(7) The Bureau may not administer a licensing or certification
program in a manner that subjects qualified individuals with
disabilities to unlawful discrimination on the basis of disability, nor
may the Bureau establish requirements for the programs or activities of
licensees or certified entities that subject qualified individuals with
disabilities to unlawful discrimination on the basis of disability.
However, the programs or activities of entities that are licensed or
certified by the Bureau are not, themselves, covered by this part.
(8) The Bureau shall make reasonable modifications in policies,
practices, or procedures when the modifications are necessary to avoid
discrimination on the basis of disability, unless the Bureau can
demonstrate that making the modifications would fundamentally alter the
nature of the program, service, or activity.
(c) The exclusion of persons who have not self-identified as having
disabilities from the benefits of a program limited by federal statute
or Executive order to individuals with disabilities or the exclusion of
a specific class of individuals with disabilities from a program
limited by federal statute or Executive order to a different class of
individuals with disabilities is not prohibited by this part.
(d) The Bureau shall administer programs and activities in the most
integrated setting appropriate to the needs of qualified individuals
with disabilities.
Sec. 1072.107 Employment.
No qualified individual with disability shall, on the basis of
disability, be subjected to unlawful discrimination in employment under
any program or activity conducted by the Bureau. The definitions,
requirements and procedures of Sec. 501 of the Rehabilitation Act of
1973, 29 U.S.C. 791, as established by the Equal Employment Opportunity
Commission in 29 CFR parts 1614 and 1630, shall apply to employment in
federally conducted programs or activities.
Sec. 1072.108 Program accessibility: Discrimination prohibited.
Except as otherwise provided in Sec. 1072.109 no qualified
individual with a disability shall, because the Bureau's facilities are
inaccessible to or unusable by individuals with disabilities, be denied
the benefits of, be excluded from participation in, or otherwise be
subjected to discrimination under any program or activity conducted by
the Bureau .
Sec. 1072.109 Program accessibility: Existing facilities.
(a) General. The Bureau shall operate each program or activity so
that the program or activity, when viewed in its entirety, is
accessible to and usable by individuals with disabilities. This
paragraph does not require the Bureau
(1) To make structural alterations in each of its existing
facilities in order to make them accessible to and usable by
individuals with disabilities where other methods are effective in
achieving compliance with this section; or
(2) To take any action that would result in a fundamental
alteration in the nature of a program or activity or in undue financial
and administrative burdens. If an action would result in such an
alteration or such burdens, the Bureau shall take any other action that
would not result in such an alteration or such burdens but would
nevertheless to the extent reasonably feasible ensure that individuals
with disabilities receive the benefits and services of the program or
activity.
(b) Methods. The Bureau may comply with the requirements of this
section through such means as redesign of equipment, reassignment of
services to accessible buildings, assignment of aides to beneficiaries,
home visits, delivery of services at alternate accessible sites,
alteration of existing facilities and construction of new facilities,
use of accessible rolling stock, or any other methods that result in
making its programs or activities readily accessible to and usable by
individuals with disabilities. The Bureau, in making alterations to
existing buildings, shall meet accessibility requirements to the extent
compelled by the Architectural Barriers Act of 1968, as amended (42
U.S.C. 4151-4157), and any regulations implementing it. In choosing
among available methods for meeting the requirements of this section,
the Bureau shall give priority to those methods that offer programs and
activities to qualified individuals with disabilities in the most
integrated setting appropriate.
(c) Time period for compliance. The Bureau shall comply with the
obligations established under this section within ninety (90) days of
the effective date of this part except that where structural changes in
facilities are undertaken, such changes in facilities are undertaken,
such changes shall be made within three years of the effective date of
this part, but in any event as expeditiously as possible.
Sec. 1072.110 Program accessibility: New construction and
alterations.
Each building or part of a building that is constructed or altered
by, on behalf of, or for the use of the Bureau shall be designed,
constructed, or altered so as to be readily accessible to and usable by
individuals with disabilities. The definitions, requirements, and
standards of the Architectural Barriers Act (42 U.S.C. 4151-4157), as
implemented in 41 CFR 101-19.600 through 101-19.607, apply to buildings
covered by this section.
Sec. 1072.111 Communications.
(a) The Bureau shall take appropriate steps to effectively
communicate with applicants, participants, personnel of other federal
entities, and members of the public.
(1) The Bureau shall furnish appropriate auxiliary aids where
necessary to afford an individual with a disability an equal
opportunity to participate in, and enjoy the benefits of, a program or
activity conducted by the Bureau.
(i) In determining what type of auxiliary aid is necessary, the
Bureau shall give consideration to any reasonable request of the
individual with a disability.
(ii) The Bureau need not provide individually prescribed devices,
readers for personal use or study, or other devices of a personal
nature to applicants or participants in programs.
(2) Where the Bureau communicates with applicants and beneficiaries
by
telephone, the Bureau shall use a telecommunication device for deaf
persons (TDD's) or equally effective telecommunication systems to
communicate with persons with impaired hearing.
(b) The Bureau shall make available to interested persons,
including persons with impaired vision or hearing, information as to
the existence and location of accessible services, activities, and
facilities.
(c) The Bureau shall post notices at a primary entrance to each of
its inaccessible facilities, directing users to an accessible facility,
or to a location at which they can obtain information about accessible
facilities. The international symbol for accessibility shall be used at
each primary entrance of an accessible facility.
[[Page 46612]]
(d) This section does not require the Bureau to take any action
that would result in a fundamental alteration in the nature of a
program or activity or in undue financial and administrative burdens.
Sec. 1072.112. Compliance procedures.
(a) Except as provided in paragraph (b) of this section, this
section applies to all allegations of discrimination on the basis of
disability in programs and activities conducted by the Bureau and
denial of access to electronic and information technology.
(b) The Bureau shall process complaints alleging violations of
section 504 with respect to employment according to the procedures
established by the Equal Employment Opportunity Commission in 29 CFR
part 1614 pursuant to section 501 of the Rehabilitation Act of 1973 (29
U.S.C. 791).
(c) All other complaints alleging violations of section 504 or
section 508 may be sent to Labor and Employee Relations, Office of the
Chief Human Capital Officer Consumer Financial Protection Bureau, 1700
G Street NW., Washington, DC 20052. The Office of the Chief Human
Capital Officer shall be responsible for coordinating implementation of
this section.
(d) Complaint-filing procedures. (1) Any person who believes that
he or she has been subjected to discrimination prohibited by this part
may by himself or herself or by his or her authorized representative
file a complaint. Any person who believes that any specific class of
persons has been subjected to discrimination prohibited by this part
and who is a member of that class or the authorized representative of a
member of that class may file a class complaint.
(2) The Bureau shall accept and investigate each timely filed,
complete complaint over which it has jurisdiction.
(3) A complete complaint must be filed within 180 days of the
alleged act of discrimination. A complaint submitted to the Bureau via
first-class mail will be deemed to have been filed when postmarked. A
complaint submitted to the Bureau via any other means of delivery will
be deemed to have been filed when received by the Bureau. The Bureau
may extend this time period for good cause.
(e) If the Bureau receives a complaint over which it does not have
jurisdiction, it shall promptly notify the complainant and shall make
reasonable efforts to refer the complaint to the appropriate government
entity.
(f) The Bureau shall notify the Architectural and Transportation
Barriers Compliance Board upon receipt of any complaint alleging that a
building or facility that is subject to the Architectural Barriers Act
of 1968, as amended (42 U.S.C. 4151-4157), is not readily accessible to
and usable by individuals with disabilities.
(g)(1) Within 180 days of the receipt of a timely filed, complete
complaint over which it has jurisdiction, the Bureau shall notify the
complainant of the results of the investigation in a letter containing:
(i) Findings of fact and conclusions of law;
(ii) A description of a remedy for each violation found; and
(iii) A notice of the right to appeal.
(2) Bureau employees are required to cooperate in the investigation
and attempted resolution of complaints. Employees who are required to
participate in any investigation under this section shall do so as part
of their official duties and during the course of regular duty hours.
(3) If a complaint is resolved informally, the terms of the
agreement shall be reduced to writing and made part of the complaint
file, with a copy of the agreement provided to the complainant. The
written agreement shall describe the subject matter of the complaint
and any corrective action to which the parties have agreed.
(h) Appeals of the findings of fact and conclusions of law or
remedies must be filed by the complainant within 30 days of receipt
from the Bureau of the letter required by Sec. 1072.112(g). The Bureau
may extend this time for good cause.
(i) Timely appeals shall be accepted and processed by the Chief
Human Capital Officer, who will issue the final agency decision which
may include appropriate corrective action to be taken by the Bureau.
(j) The Bureau shall notify the complainant of the results of the
appeal within 60 days of the receipt of the timely appeal. If the
Bureau determines that it needs additional information from the
complainant, it shall have 60 days from the date it received the
additional information to make its determination on the appeal.
(k) The time limits cited in paragraphs (g) and (j) of this section
may be extended for an individual case when the Chief Human Capital
Officer determines there is good cause, based on the particular
circumstances of that case, for the extension.
(l) The Bureau may delegate its authority for conducting complaint
investigations to other federal agencies or may contract with a
nongovernment investigator to perform the investigation, but the
authority for making the final determination may not be delegated to
another entity.
Dated: June 18, 2012.
Richard Cordray,
Director, Bureau of Consumer Financial Protection.
[FR Doc. 2012-18827 Filed 8-3-12; 8:45 am]
BILLING CODE 4810-AM-P