Fair Housing Rule, Consumer Protection in Sales of Insurance Rule; Technical Correction, 24677-24678 [2023-08609]

Download as PDF 24677 Rules and Regulations Federal Register Vol. 88, No. 78 Monday, April 24, 2023 This section of the FEDERAL REGISTER contains regulatory documents having general applicability and legal effect, most of which are keyed to and codified in the Code of Federal Regulations, which is published under 50 titles pursuant to 44 U.S.C. 1510. The Code of Federal Regulations is sold by the Superintendent of Documents. FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 338 RIN 3064–AF89 Fair Housing Rule, Consumer Protection in Sales of Insurance Rule; Technical Correction Federal Deposit Insurance Corporation. ACTION: Technical correction. AGENCY: The Federal Deposit Insurance Corporation (FDIC) is making a technical correction to the FDIC’s Fair Housing Rule to reinsert a previous instruction regarding the Equal Housing Lending Poster. DATES: Effective on June 23, 2023. FOR FURTHER INFORMATION CONTACT: Alys V. Brown, Senior Attorney, Legal Division, alybrown@fdic.gov; Thaddeus J. King, Policy Analyst, Division of Depositor and Consumer Protection, 202–898–3541, thking@fdic.gov. SUPPLEMENTARY INFORMATION: ddrumheller on DSK120RN23PROD with RULES1 SUMMARY: Background The Fair Housing Rule prohibits FDIC-supervised institutions from engaging in discriminatory advertising involving residential real estate-related transactions. The rule was last amended in August 2022 through a technical correction to reflect a reorganization and change in the name of the FDIC’s former Consumer Response Center to the National Center for Consumer and Depositor Assistance and to add web addresses.1 In February 2021, the FDIC amended part 338 to make it applicable to State savings associations, and revised § 338.4 by removing the mailing address for the former Consumer Response Center and replacing it with a bracketed instruction to insert on the Equal Housing Lending Poster the address for the former 1 87 FR 48079 (Aug. 8, 2022); 87 FR 49767 (Aug. 12, 2022). VerDate Sep<11>2014 16:32 Apr 21, 2023 Jkt 259001 Consumer Response Center as stated on the FDIC’s website at www.fdic.gov.2 Historically, the required language for the Equal Housing Lending Poster included only the mailing address for the former Consumer Response Center, now renamed the National Center for Consumer and Depositor Assistance. In August 2022, the FDIC updated 12 CFR part 338 through a technical correction to replace the reference to ‘‘Consumer Response Center’’ in the bracketed instruction with its new name, the ‘‘National Center for Consumer and Depositor Assistance,’’ and to add the web address for the National Center for Consumer and Depositor Assistance complaint portal. When updating 12 CFR part 338 in August 2022, the bracketed instruction to include the mailing address was inadvertently removed. Therefore, the FDIC is making a further technical correction to 12 CFR part 338 to reinsert the bracketed instruction for FDIC-supervised institutions to insert on their Equal Housing Lending Posters the mailing address for the National Center for Consumer and Depositor Assistance as stated on the FDIC’s website at www.fdic.gov. Including the instruction for FDIC-supervised banks to insert the mailing address, rather than listing the National Center for Consumer and Depositor Assistance’s current mailing address, helps ensure that posters contain the Center’s up-to-date mailing address. Banks (and the public) can find the National Center for Consumer and Depositor Assistance’s current mailing address by visiting www.fdic.gov and searching for ‘‘National Center for Consumer and Depositor Assistance’’ with the website’s search tool. Banks that experience difficulty in determining the appropriate mailing address for the National Center for Consumer and Depositor Assistance for inclusion on the Equal Housing Lending Poster may contact the FDIC for assistance. List of Subjects in 12 CFR Part 338 Aged, Banks, Banking, Civil rights, Credit, Fair housing, Individuals with disabilities, Marital status discrimination, Mortgages, Religious discrimination, Reporting and recordkeeping requirements, Savings 2 See PO 00000 86 FR 8088 (Feb. 3, 2021). Frm 00001 Fmt 4700 Sfmt 4700 associations, Sex discrimination, Signs and symbols. Authority and Issuance For the reasons stated in the preamble, the FDIC amends 12 CFR part 338 as follows: PART 338—FAIR HOUSING 1. The authority citation for part 338 continues to read: ■ Authority: 12 U.S.C. 1817, 1818, 1819, 1820(b), 2801 et seq.; 15 U.S.C. 1691 et seq.; 42 U.S.C. 3605, 3608; 12 CFR parts 1002, 1003; 24 CFR part 110. 2. Amend § 338.4 by revising paragraph (b) to read as follows: ■ § 338.4 Fair housing poster. * * * * * (b) The Equal Housing Lender Poster shall be at least 11 by 14 inches in size and have the following text: We Do Business in Accordance with Federal Fair Lending Laws. UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18) TO: • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling or to deny any loan secured by a dwelling; or • Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan or in appraising property. IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO: Assistant Secretary for Fair Housing and Equal Opportunity, Department of Housing and Urban Development, Washington, DC 20410, for processing under the Federal Fair Housing Act; AND TO: Federal Deposit Insurance Corporation, National Center for Consumer and Depositor Assistance, [FDIC-supervised institution should insert mailing address for National Center for Consumer and Depositor Assistance found at www.fdic.gov], https://ask.fdic.gov/fdicinformationand supportcenter, for processing under the FDIC Regulations. UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL E:\FR\FM\24APR1.SGM 24APR1 24678 Federal Register / Vol. 88, No. 78 / Monday, April 24, 2023 / Rules and Regulations TO DISCRIMINATE IN ANY CREDIT TRANSACTION: • On the basis of race, color, national origin, religion, sex, marital status, or age; • Because income is from public assistance; or • Because a right has been exercised under the Consumer Credit Protection Act. IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO: Federal Deposit Insurance Corporation, National Center for Consumer and Depositor Assistance, [FDIC-supervised institution should insert mailing address for National Center for Consumer and Depositor Assistance found at www.fdic.gov], https://ask.fdic.gov/fdicinformationand supportcenter. * * * * * Federal Deposit Insurance Corporation. Dated at Washington, DC, on April 18, 2023. James P. Sheesley, Assistant Executive Secretary. [FR Doc. 2023–08609 Filed 4–21–23; 8:45 am] BILLING CODE 6714–01–P DEPARTMENT OF TRANSPORTATION Federal Aviation Administration 14 CFR Part 39 [Docket No. FAA–2022–0815; Project Identifier AD–2021–00679–T; Amendment 39–22401; AD 2023–06–15] RIN 2120–AA64 Airworthiness Directives; The Boeing Company Airplanes Federal Aviation Administration (FAA), DOT. ACTION: Final rule. AGENCY: The FAA is adopting a new airworthiness directive (AD) for certain The Boeing Company Model 737–600, –700, –700C, –800, –900, and –900ER series airplanes. This AD was prompted by reports of missing shims, a wrong type of shim, shanked fasteners, fastener head gaps, and incorrect hole sizes common to the left and right sides at a certain station (STA) frame inner chord and web. This AD requires inspecting for existing repairs, inspecting the area for cracking, and performing applicable on-condition actions. The FAA is issuing this AD to address the unsafe condition on these products. DATES: This AD is effective May 30, 2023. ddrumheller on DSK120RN23PROD with RULES1 SUMMARY: VerDate Sep<11>2014 16:32 Apr 21, 2023 Jkt 259001 The Director of the Federal Register approved the incorporation by reference of a certain publications listed in this AD as of May 30, 2023. ADDRESSES: AD Docket: You may examine the AD docket at regulations.gov under Docket No. FAA–2022–0815; or in person at Docket Operations between 9 a.m. and 5 p.m., Monday through Friday, except Federal holidays. The AD docket contains this final rule, any comments received, and other information. The address for Docket Operations is U.S. Department of Transportation, Docket Operations, M–30, West Building Ground Floor, Room W12–140, 1200 New Jersey Avenue SE, Washington, DC 20590. Material Incorporated by Reference: • For service information identified in this final rule, contact Boeing Commercial Airplanes, Attention: Contractual & Data Services (C&DS), 2600 Westminster Blvd., MC 110–SK57, Seal Beach, CA 90740–5600; telephone 562–797–1717; website myboeingfleet.com. • You may view this service information at the FAA, Airworthiness Products Section, Operational Safety Branch, 2200 South 216th St., Des Moines, WA. For information on the availability of this material at the FAA, call 206–231–3195. It is also available at regulations.gov under Docket No. FAA– 2022–0815. FOR FURTHER INFORMATION CONTACT: Bill Ashforth, Aerospace Engineer, Airframe Section, FAA, Seattle ACO Branch, 2200 South 216th St., Des Moines, WA 98198; phone: 206–231–3520; email: bill.ashforth@faa.gov. SUPPLEMENTARY INFORMATION: Background The FAA issued a notice of proposed rulemaking (NPRM) to amend 14 CFR part 39 by adding an AD that would apply to certain The Boeing Company Model 737–600, –700, –700C, –800, –900, and –900ER series airplanes. The NPRM published in the Federal Register on September 9, 2022 (87 FR 55325). The NPRM was prompted by reports of missing shims, a wrong type of shim, shanked fasteners, fastener head gaps, and incorrect hole sizes common to the left and right sides at a certain station (STA) frame inner chord and web. In the NPRM, the FAA proposed to require inspecting for existing repairs, inspecting the area for cracking, and performing applicable oncondition actions. The FAA is issuing this AD to address cracking in the left and right sides of STA 727 frame inner chord and S–18A web before the PO 00000 Frm 00002 Fmt 4700 Sfmt 4700 cracking reaches a critical length. This condition, if not addressed, could result in cracks in fatigue critical baseline structure (FCBS) and the inability of a principal structural element (PSE) to sustain limit load, which could adversely affect the structural integrity of the airplane. Discussion of Final Airworthiness Directive Comments The FAA received comments from six commenters, including American Airlines (AAL), Aviation Partners Boeing (APB), Boeing, Southwest Airlines (SWA), United Airlines (UAL), and one individual. The following presents the comments received on the NPRM and the FAA’s response to each comment, except the comment from an individual, which was outside the scope of this AD. Request To Include Revised Service Information SWA, UAL, and AAL noted that Boeing planned to issue Revision 1 of Boeing Requirements Bulletin 737– 53A1402 RB, and requested consideration for its incorporation into the final rule. SWA requested that the FAA issue a global AMOC for use of Revision 1 for the requirements. AAL and UAL noted that the original requirements bulletin had two issues of concern: • Figures 3, 4, 5, and 6 identify fastener part number (P/N) BACN11E4 as a replacement part. The commenters noted that the fastener has been superseded, and the alternative part, P/ N BACN11E4V, is not listed in the Boeing Structural Repair Manual. • Figures 5 and 6 specify installing a shim regardless of the measured gap, but also state that a gap of 0.006 inch is acceptable after shimming. AAL added that the original requirements bulletin does not give any instructions if the gap is 0.006 inch or less prior to shim installation. The commenters noted that Revision 1 addresses both issues, and requested that the FAA either (1) delay issuance of the final rule pending release of Revision 1 or (2) revise the proposed AD to allow use of the alternative fasteners and forgo installation of a shim for a gap of 0.006 inch or less prior to shim installation. The FAA agrees with the request. Boeing has confirmed that P/N BACN11E4 is no longer available, and the new replacement P/N is BACN11E4V. The FAA has reviewed Boeing Alert Requirements Bulletin E:\FR\FM\24APR1.SGM 24APR1

Agencies

[Federal Register Volume 88, Number 78 (Monday, April 24, 2023)]
[Rules and Regulations]
[Pages 24677-24678]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2023-08609]



========================================================================
Rules and Regulations
                                                Federal Register
________________________________________________________________________

This section of the FEDERAL REGISTER contains regulatory documents 
having general applicability and legal effect, most of which are keyed 
to and codified in the Code of Federal Regulations, which is published 
under 50 titles pursuant to 44 U.S.C. 1510.

The Code of Federal Regulations is sold by the Superintendent of Documents. 

========================================================================


Federal Register / Vol. 88 , No. 78 / Monday, April 24, 2023 / Rules 
and Regulations

[[Page 24677]]



FEDERAL DEPOSIT INSURANCE CORPORATION

12 CFR Part 338

RIN 3064-AF89


Fair Housing Rule, Consumer Protection in Sales of Insurance 
Rule; Technical Correction

AGENCY: Federal Deposit Insurance Corporation.

ACTION: Technical correction.

-----------------------------------------------------------------------

SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is making a 
technical correction to the FDIC's Fair Housing Rule to reinsert a 
previous instruction regarding the Equal Housing Lending Poster.

DATES: Effective on June 23, 2023.

FOR FURTHER INFORMATION CONTACT: Alys V. Brown, Senior Attorney, Legal 
Division, [email protected]; Thaddeus J. King, Policy Analyst, Division 
of Depositor and Consumer Protection, 202-898-3541, [email protected].

SUPPLEMENTARY INFORMATION: 

Background

    The Fair Housing Rule prohibits FDIC-supervised institutions from 
engaging in discriminatory advertising involving residential real 
estate-related transactions. The rule was last amended in August 2022 
through a technical correction to reflect a reorganization and change 
in the name of the FDIC's former Consumer Response Center to the 
National Center for Consumer and Depositor Assistance and to add web 
addresses.\1\
---------------------------------------------------------------------------

    \1\ 87 FR 48079 (Aug. 8, 2022); 87 FR 49767 (Aug. 12, 2022).
---------------------------------------------------------------------------

    In February 2021, the FDIC amended part 338 to make it applicable 
to State savings associations, and revised Sec.  338.4 by removing the 
mailing address for the former Consumer Response Center and replacing 
it with a bracketed instruction to insert on the Equal Housing Lending 
Poster the address for the former Consumer Response Center as stated on 
the FDIC's website at www.fdic.gov.\2\ Historically, the required 
language for the Equal Housing Lending Poster included only the mailing 
address for the former Consumer Response Center, now renamed the 
National Center for Consumer and Depositor Assistance.
---------------------------------------------------------------------------

    \2\ See 86 FR 8088 (Feb. 3, 2021).
---------------------------------------------------------------------------

    In August 2022, the FDIC updated 12 CFR part 338 through a 
technical correction to replace the reference to ``Consumer Response 
Center'' in the bracketed instruction with its new name, the ``National 
Center for Consumer and Depositor Assistance,'' and to add the web 
address for the National Center for Consumer and Depositor Assistance 
complaint portal. When updating 12 CFR part 338 in August 2022, the 
bracketed instruction to include the mailing address was inadvertently 
removed.
    Therefore, the FDIC is making a further technical correction to 12 
CFR part 338 to reinsert the bracketed instruction for FDIC-supervised 
institutions to insert on their Equal Housing Lending Posters the 
mailing address for the National Center for Consumer and Depositor 
Assistance as stated on the FDIC's website at www.fdic.gov. Including 
the instruction for FDIC-supervised banks to insert the mailing 
address, rather than listing the National Center for Consumer and 
Depositor Assistance's current mailing address, helps ensure that 
posters contain the Center's up-to-date mailing address. Banks (and the 
public) can find the National Center for Consumer and Depositor 
Assistance's current mailing address by visiting www.fdic.gov and 
searching for ``National Center for Consumer and Depositor Assistance'' 
with the website's search tool. Banks that experience difficulty in 
determining the appropriate mailing address for the National Center for 
Consumer and Depositor Assistance for inclusion on the Equal Housing 
Lending Poster may contact the FDIC for assistance.

List of Subjects in 12 CFR Part 338

    Aged, Banks, Banking, Civil rights, Credit, Fair housing, 
Individuals with disabilities, Marital status discrimination, 
Mortgages, Religious discrimination, Reporting and recordkeeping 
requirements, Savings associations, Sex discrimination, Signs and 
symbols.

Authority and Issuance

    For the reasons stated in the preamble, the FDIC amends 12 CFR part 
338 as follows:

PART 338--FAIR HOUSING

0
1. The authority citation for part 338 continues to read:

    Authority: 12 U.S.C. 1817, 1818, 1819, 1820(b), 2801 et seq.; 15 
U.S.C. 1691 et seq.; 42 U.S.C. 3605, 3608; 12 CFR parts 1002, 1003; 
24 CFR part 110.


0
2. Amend Sec.  338.4 by revising paragraph (b) to read as follows:


Sec.  338.4  Fair housing poster.

* * * * *
    (b) The Equal Housing Lender Poster shall be at least 11 by 14 
inches in size and have the following text:
    We Do Business in Accordance with Federal Fair Lending Laws.
    UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF 
RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL 
STATUS (HAVING CHILDREN UNDER THE AGE OF 18) TO:
     Deny a loan for the purpose of purchasing, constructing, 
improving, repairing or maintaining a dwelling or to deny any loan 
secured by a dwelling; or
     Discriminate in fixing the amount, interest rate, 
duration, application procedures, or other terms or conditions of such 
a loan or in appraising property.
    IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND 
A COMPLAINT TO:
    Assistant Secretary for Fair Housing and Equal Opportunity, 
Department of Housing and Urban Development, Washington, DC 20410, for 
processing under the Federal Fair Housing Act;
    AND TO:
    Federal Deposit Insurance Corporation, National Center for Consumer 
and Depositor Assistance, [FDIC-supervised institution should insert 
mailing address for National Center for Consumer and Depositor 
Assistance found at www.fdic.gov], https://ask.fdic.gov/fdicinformationandsupportcenter, for processing under the FDIC 
Regulations.
    UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL

[[Page 24678]]

TO DISCRIMINATE IN ANY CREDIT TRANSACTION:
     On the basis of race, color, national origin, religion, 
sex, marital status, or age;
     Because income is from public assistance; or
     Because a right has been exercised under the Consumer 
Credit Protection Act.
    IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND 
A COMPLAINT TO:
    Federal Deposit Insurance Corporation, National Center for Consumer 
and Depositor Assistance, [FDIC-supervised institution should insert 
mailing address for National Center for Consumer and Depositor 
Assistance found at www.fdic.gov], https://ask.fdic.gov/fdicinformationandsupportcenter.
* * * * *

Federal Deposit Insurance Corporation.

    Dated at Washington, DC, on April 18, 2023.
James P. Sheesley,
Assistant Executive Secretary.
[FR Doc. 2023-08609 Filed 4-21-23; 8:45 am]
BILLING CODE 6714-01-P
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.