Agency Contact Information; Technical Corrections, 58065-58071 [2023-18240]

Download as PDF 58065 Rules and Regulations Federal Register Vol. 88, No. 164 Friday, August 25, 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. CONSUMER FINANCIAL PROTECTION BUREAU 12 CFR Parts 1022, 1002, and 1026 Agency Contact Information; Technical Corrections Consumer Financial Protection Bureau. ACTION: Final rule; correction. AGENCY: On March 20, 2023, the Consumer Financial Protection Bureau (Bureau or CFPB) published the ‘‘Agency Contact Information’’ final rule in the Federal Register. The Bureau has identified four clerical errors in that final rule. These errors are found in the Federal agency contact information that must be provided with Equal Credit Opportunity Act adverse action notices in appendix A to Regulation B, the Fair Credit Reporting Act Summary of Consumer Rights in appendix K to Regulation V, and a Bureau website address where the public may access certain APR tables referenced in comment appendix J–2 to Regulation Z. This document corrects these errors. DATES: This correction is effective on September 25, 2023. FOR FURTHER INFORMATION CONTACT: Luke Diamond, Counsel or Ruth Van Veldhuizen, Senior Counsel, Office of Regulations, at 202–435–7700. If you require this document in an alternative electronic format, please contact CFPB_ Accessibility@cfpb.gov. SUPPLEMENTARY INFORMATION: On March 20, 2023, the Consumer Financial Protection Bureau (Bureau or CFPB) published the ‘‘Agency Contact Information’’ final rule in the Federal Register. This final rule made nonsubstantive corrections and updates to Bureau and other Federal agency contact information found at certain locations in Regulations B, E, F, J, V, X, Z, and DD, including Federal agency contact information that must be provided with Equal Credit Opportunity Act adverse action notices and the Fair ddrumheller on DSK120RN23PROD with RULES1 SUMMARY: VerDate Sep<11>2014 16:25 Aug 24, 2023 Jkt 259001 Credit Reporting Act Summary of Consumer Rights. This final rule also revised the chapter heading, made various non-substantive changes to Regulations B and V, and provided a Bureau website address where the public may access certain APR tables referenced in Regulation Z. The Bureau has identified four clerical errors in the final rule. First, in appendix A to Regulation B, ‘‘National Credit Union Administration, Office of Consumer Financial Protection (OCFP), Division of Consumer Compliance Policy and Outreach, 1775 Duke Street, Alexandria, VA 22314’’ should read ‘‘National Credit Union Administration, Office of Consumer Financial Protection (OCFP), 1775 Duke Street, Alexandria, VA 22314.’’ Second, on page two of the Fair Credit Reporting Act Summary of Consumer Rights (found in appendix K to Regulation V), the toll-free opt out phone number listed as 1–800–XXX– XXXX should read 1–888–567–8688. Third, on page four of the Fair Credit Reporting Act Summary of Consumer Rights, ‘‘Assistant General Counsel for Office of Aviation Protection’’ should read ‘‘Assistant General Counsel for Office of Aviation Consumer Protection.’’ Fourth, in comment appendix J–2 to Regulation Z, https:// www.consumerfinance.gov/resources/ applicable-requirements/annualpercentage-rate-tables/ should read https://www.consumerfinance.gov/ compliance/compliance-resources/ other-applicable-requirements/annualpercentage-rate-tables/. Regulatory Requirements: The Bureau finds that public comment on this correction is unnecessary because the Bureau is correcting inadvertent, technical errors, about which there is minimal, if any, basis for substantive disagreement. Because no notice of proposed rulemaking is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. The Bureau has determined that these corrections do not impose any new or revise any existing recordkeeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act. PO 00000 Frm 00001 Fmt 4700 Sfmt 4700 List of Subjects 12 CFR Part 1002 Aged, Banks, Banking, Civil rights, Consumer protection, Credit, Credit unions, Discrimination, Fair lending, Marital status discrimination, National banks, National origin discrimination, Penalties, Race discrimination, Religious discrimination, Reporting and recordkeeping requirements, Savings associations, Sex discrimination. 12 CFR Part 1022 Banks, Banking, Consumer protection, Credit unions, Fair Credit Reporting Act, Holding companies, National banks, Privacy, Reporting and recordkeeping requirements, Savings associations, State member banks. 12 CFR Part 1026 Advertising, Appraisal, Appraiser, Banking, banks, Consumer protection, Credit, Credit unions, Mortgages, National banks, Reporting and recordkeeping requirements, Savings associations, Truth in lending. Authority and Issuance For the reasons set forth above, the Bureau amends 12 CFR chapter X, as set forth below: PART 1002—EQUAL CREDIT OPPORTUNITY ACT (REGULATION B) 1. The authority citation for part 1002 continues to read as follows: ■ Authority: 12 U.S.C. 5512, 5581; 15 U.S.C. 1691b. 2. Revise appendix A to read as follows: ■ Appendix A to Part 1002—Federal Agencies To Be Listed in Adverse Action Notices The following list indicates the Federal agency or agencies that should be listed in notices provided by creditors pursuant to § 1002.9(b)(1). Any questions concerning a particular creditor may be directed to such agencies. This list is not intended to describe agencies’ enforcement authority for ECOA and Regulation B. Terms that are not defined in the Federal Deposit Insurance Act (12 U.S.C. 1813(s)) shall have the meaning given to them in the International Banking Act of 1978 (12 U.S.C. 3101). 1. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates: Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552. Such affiliates that E:\FR\FM\25AUR1.SGM 25AUR1 58066 Federal Register / Vol. 88, No. 164 / Friday, August 25, 2023 / Rules and Regulations ddrumheller on DSK120RN23PROD with RULES1 are not banks, savings associations, or credit unions also should list, in addition to the Bureau: Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580. 2. To the extent not included in item 1 above: a. National Banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks: Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box 53570, Houston, TX 77052. b. State member banks, branches and agencies of foreign banks (other than Federal branches, Federal agencies, and insured State branches of foreign banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act: Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480. c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and Insured State Savings Associations: Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, 1100 Walnut Street, Box #11, Kansas City, MO 64106. d. Federal Credit Unions: National Credit Union Administration, Office of Consumer Financial Protection (OCFP), 1775 Duke Street, Alexandria, VA 22314. VerDate Sep<11>2014 16:25 Aug 24, 2023 Jkt 259001 3. Air Carriers: Assistant General Counsel for Office of Aviation Consumer Protection, Department of Transportation, 1200 New Jersey Avenue SE, Washington, DC 20590. 4. Creditors Subject to Surface Transportation Board: Office of Public Assistance, Governmental Affairs, and Compliance, Surface Transportation Board, 395 E Street SW, Washington, DC 20423. 5. Creditors Subject to Packers and Stockyards Act: Nearest Packers and Stockyards Division Regional Office. 6. Small Business Investment Companies: Associate Administrator, Office of Capital Access, United States Small Business Association, 409 Third Street SW, Suite 8200, Washington, DC 20416. 7. Brokers and Dealers: Securities and Exchange Commission, 100 F Street NE, Washington, DC 20549. 8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations: Farm Credit Administration, 1501 Farm Credit Drive, McLean, VA 22102–5090. 9. Retailers, Finance Companies, and All Other Creditors Not Listed Above: Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580. PART 1022—FAIR CREDIT REPORTING (REGULATION V) Authority: 12 U.S.C. 5512, 5581; 15 U.S.C. 1681a, 1681b, 1681c, 1681c–1, 1681c–3, 1681e, 1681g, 1681i, 1681j, 1681m, 1681s, 1681s–2, 1681s–3, and 1681t; Sec. 214, Pub. L. 108–159, 117 Stat. 1952. 4. Revise appendix K to read as follows: ■ Appendix K to Part 1022—Summary of Consumer Rights The prescribed form for this summary is a disclosure that is substantially similar to the Bureau’s model summary with all information clearly and prominently displayed. The list of Federal regulators that is included in the Bureau’s prescribed summary may be provided separately so long as this is done in a clear and conspicuous way. A summary should accurately reflect changes to those items that may change over time (e.g., dollar amounts, or telephone numbers and addresses of Federal agencies) to remain in compliance. Translations of this summary will be in compliance with the Bureau’s prescribed model, provided that the translation is accurate and that it is provided in a language used by the recipient consumer. BILLING CODE 4810–AM–P 3. The authority citation for part 1022 continues to read as follows: ■ PO 00000 Frm 00002 Fmt 4700 Sfmt 4700 E:\FR\FM\25AUR1.SGM 25AUR1 VerDate Sep<11>2014 16:25 Aug 24, 2023 Jkt 259001 PO 00000 Frm 00003 Fmt 4700 Sfmt 4725 E:\FR\FM\25AUR1.SGM 25AUR1 58067 ER25AU23.004</GPH> ddrumheller on DSK120RN23PROD with RULES1 Federal Register / Vol. 88, No. 164 / Friday, August 25, 2023 / Rules and Regulations VerDate Sep<11>2014 Federal Register / Vol. 88, No. 164 / Friday, August 25, 2023 / Rules and Regulations 16:25 Aug 24, 2023 Jkt 259001 PO 00000 Frm 00004 Fmt 4700 Sfmt 4725 E:\FR\FM\25AUR1.SGM 25AUR1 ER25AU23.005</GPH> ddrumheller on DSK120RN23PROD with RULES1 58068 VerDate Sep<11>2014 16:25 Aug 24, 2023 Jkt 259001 PO 00000 Frm 00005 Fmt 4700 Sfmt 4725 E:\FR\FM\25AUR1.SGM 25AUR1 58069 ER25AU23.006</GPH> ddrumheller on DSK120RN23PROD with RULES1 Federal Register / Vol. 88, No. 164 / Friday, August 25, 2023 / Rules and Regulations Federal Register / Vol. 88, No. 164 / Friday, August 25, 2023 / Rules and Regulations BILLING CODE 4810–AM–C Supplement I to Part 1026—Official Interpretations ddrumheller on DSK120RN23PROD with RULES1 PART 1026—TRUTH IN LENDING (REGULATION Z) * 5. The authority citation for part 1026 continues to read as follows: ■ Authority: 12 U.S.C. 2601, 2603–2605, 2607, 2609, 2617, 3353, 5511, 5512, 5532, 5581; 15 U.S.C. 1601 et seq. 6. Supplement I is amended by revising Appendix J to read as follows: ■ VerDate Sep<11>2014 16:25 Aug 24, 2023 Jkt 259001 * * * * Appendix J—Annual Percentage Rate Computations for Closed-End Credit Transactions 1. Use of appendix J. Appendix J sets forth the actuarial equations and instructions for calculating the annual percentage rate in closed-end credit PO 00000 Frm 00006 Fmt 4700 Sfmt 4700 transactions. While the formulas contained in this appendix may be directly applied to calculate the annual percentage rate for an individual transaction, they may also be utilized to program calculators and computers to perform the calculations. 2. Relation to Bureau tables. The Bureau’s Annual Percentage Rate Tables also provide creditors with a calculation tool that applies the technical information in appendix J. An annual E:\FR\FM\25AUR1.SGM 25AUR1 ER25AU23.007</GPH> 58070 Federal Register / Vol. 88, No. 164 / Friday, August 25, 2023 / Rules and Regulations percentage rate computed in accordance with the instructions in the tables is deemed to comply with the regulation. Volume I of the tables may be used for credit transactions involving equal payment amounts and periods, as well as for transactions involving any of the following irregularities: odd first period, odd first payment and odd last payment. Volume II of the tables may be used for transactions that involve any type of irregularities. These tables may be obtained from the Bureau, 1700 G Street NW, Washington, DC 20552, upon request. The tables are also available on the Bureau’s website at: https:// www.consumerfinance.gov/compliance/ compliance-resources/other-applicablerequirements/annual-percentage-ratetables/. * * * * * Electronic retrieval help and guidelines are available on the website. It is available 24 hours each day, 365 days each year. FAA Order JO 7400.11H, Airspace Designations and Reporting Points, and subsequent amendments can be viewed online at www.faa.gov/air_traffic/ publications/. You may also contact the Rules and Regulations Group, Office of Policy, Federal Aviation Administration, 800 Independence Avenue SW, Washington, DC 20591; telephone: (202) 267–8783. FOR FURTHER INFORMATION CONTACT: Sarah A. Combs, Rules and Regulations Group, Office of Policy, Federal Aviation Administration, 800 Independence Avenue SW, Washington, DC 20591; telephone: (202) 267–8783. SUPPLEMENTARY INFORMATION: Paul Hannah, Senior Counsel and Federal Register Liaison, Consumer Financial Protection Bureau. History [FR Doc. 2023–18240 Filed 8–24–23; 8:45 am] BILLING CODE 4810–AM–P DEPARTMENT OF TRANSPORTATION Federal Aviation Administration 14 CFR Part 71 [Docket No. FAA–2023–1785; Amendment No. 71–55] RIN 2120–AA66 Airspace Designations; Incorporation by Reference Federal Aviation Administration (FAA), DOT. ACTION: Final rule. AGENCY: This action amends 14 CFR part 71 relating to airspace designations to reflect the approval by the Director of the Federal Register of the incorporation by reference of FAA Order JO 7400.11H, Airspace Designations and Reporting Points. This action also explains the procedures the FAA will use to amend the listings of Class A, B, C, D, and E airspace areas; air traffic service routes; and reporting points incorporated by reference. DATES: These regulations are effective September 15, 2023, through September 15, 2024. The incorporation by reference of FAA Order JO 7400.11H is approved by the Director of the Federal Register as of September 15, 2023, through September 15, 2024. ADDRESSES: A copy of this final rule, and all background material may be viewed online at www.regulations.gov using the FAA Docket number. ddrumheller on DSK120RN23PROD with RULES1 SUMMARY: VerDate Sep<11>2014 16:25 Aug 24, 2023 Jkt 259001 FAA Order JO 7400.11G, Airspace Designations and Reporting Points, effective September 15, 2022, listed Class A, B, C, D and E airspace areas; air traffic service routes; and reporting points. Due to the length of these descriptions, the FAA requested approval from the Office of the Federal Register to incorporate the material by reference in the Federal Aviation Regulations, section 71.1, effective September 15, 2022, through September 15, 2023. During the incorporation by reference period, the FAA processed all proposed changes of the airspace listings in FAA Order JO 7400.11G in full text as proposed rule documents in the Federal Register, unless there was good cause to forego notice and comment. Likewise, all amendments of these listings were published in full text as final rules in the Federal Register. This rule reflects the periodic integration of these final rule amendments into a revised edition of FAA Order JO 7400.11H, Airspace Designations and Reporting Points. The Director of the Federal Register has approved the incorporation by reference of FAA Order JO 7400.11H in section 71.1, as of September 15, 2023, through September 15, 2024. This rule also explains the procedures the FAA will use to amend the airspace designations incorporated by reference in part 71. This rule also updates sections 71.5, 71.15, 71.31, 71.33, 71.41, 71.51, 71.61, 71.71, and 71.901 to reflect the incorporation by reference of FAA Order JO 7400.11H. Incorporation by Reference This document incorporates by reference FAA Order JO 7400.11H, Airspace Designations and Reporting PO 00000 Frm 00007 Fmt 4700 Sfmt 4700 58071 Points, dated August 11, 2023, and effective September 15, 2023, in section 71.1. FAA Order JO 7400.11H is publicly available as listed in the ADDRESSES section of this final rule. FAA Order JO 7400.11H lists Class A, B, C, D, and E airspace areas, air traffic service routes, and reporting points. The Rule This action amends 14 CFR part 71 to reflect the approval by the Director of the Federal Register of the incorporation by reference of FAA Order JO 7400.11H, effective September 15, 2023, through September 15, 2024. During the incorporation by reference period, the FAA will continue to process all proposed changes of the airspace listings in FAA Order JO 7400.11H in full text as proposed rule documents in the Federal Register, unless there is good cause to forego notice and comment. Likewise, all amendments of these listings will be published in full text as final rules in the Federal Register. The FAA will periodically integrate all final rule amendments into a revised edition of FAA Order JO 7400.11 and submit the revised edition to the Director of the Federal Register for approval for incorporation by reference in section 71.1. FAA Order JO 7400.11, Airspace Designations and Reporting Points is published yearly and effective on September 15. Regulatory Notices and Analyses The FAA has determined that this regulation only involves an established body of technical regulations for which frequent and routine amendments are necessary to keep them operationally current. It, therefore: (1) is not a ‘‘significant regulatory action’’ under Executive Order 12866; (2) is not a ‘‘significant rule’’ under DOT Regulatory Policies and Procedures (44 FR 11034; February 26, 1979); and (3) does not warrant preparation of a regulatory evaluation as the anticipated impact is so minimal. Since this is a routine matter that only affects air traffic procedures and air navigation, it is certified that this rule, when promulgated, does not have a significant economic impact on a substantial number of small entities under the criteria of the Regulatory Flexibility Act. List of Subjects in 14 CFR Part 71 Airspace, Incorporation by reference, Navigation (air). Adoption of the Amendment In consideration of the foregoing, the Federal Aviation Administration amends 14 CFR part 71 as follows: E:\FR\FM\25AUR1.SGM 25AUR1

Agencies

  • CONSUMER FINANCIAL PROTECTION BUREAU
[Federal Register Volume 88, Number 164 (Friday, August 25, 2023)]
[Rules and Regulations]
[Pages 58065-58071]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2023-18240]



========================================================================
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. 164 / Friday, August 25, 2023 / Rules 
and Regulations

[[Page 58065]]



CONSUMER FINANCIAL PROTECTION BUREAU

12 CFR Parts 1022, 1002, and 1026


Agency Contact Information; Technical Corrections

AGENCY: Consumer Financial Protection Bureau.

ACTION: Final rule; correction.

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

SUMMARY: On March 20, 2023, the Consumer Financial Protection Bureau 
(Bureau or CFPB) published the ``Agency Contact Information'' final 
rule in the Federal Register. The Bureau has identified four clerical 
errors in that final rule. These errors are found in the Federal agency 
contact information that must be provided with Equal Credit Opportunity 
Act adverse action notices in appendix A to Regulation B, the Fair 
Credit Reporting Act Summary of Consumer Rights in appendix K to 
Regulation V, and a Bureau website address where the public may access 
certain APR tables referenced in comment appendix J-2 to Regulation Z. 
This document corrects these errors.

DATES: This correction is effective on September 25, 2023.

FOR FURTHER INFORMATION CONTACT: Luke Diamond, Counsel or Ruth Van 
Veldhuizen, Senior Counsel, Office of Regulations, at 202-435-7700. If 
you require this document in an alternative electronic format, please 
contact [email protected].

SUPPLEMENTARY INFORMATION: On March 20, 2023, the Consumer Financial 
Protection Bureau (Bureau or CFPB) published the ``Agency Contact 
Information'' final rule in the Federal Register. This final rule made 
non-substantive corrections and updates to Bureau and other Federal 
agency contact information found at certain locations in Regulations B, 
E, F, J, V, X, Z, and DD, including Federal agency contact information 
that must be provided with Equal Credit Opportunity Act adverse action 
notices and the Fair Credit Reporting Act Summary of Consumer Rights. 
This final rule also revised the chapter heading, made various non-
substantive changes to Regulations B and V, and provided a Bureau 
website address where the public may access certain APR tables 
referenced in Regulation Z.
    The Bureau has identified four clerical errors in the final rule. 
First, in appendix A to Regulation B, ``National Credit Union 
Administration, Office of Consumer Financial Protection (OCFP), 
Division of Consumer Compliance Policy and Outreach, 1775 Duke Street, 
Alexandria, VA 22314'' should read ``National Credit Union 
Administration, Office of Consumer Financial Protection (OCFP), 1775 
Duke Street, Alexandria, VA 22314.'' Second, on page two of the Fair 
Credit Reporting Act Summary of Consumer Rights (found in appendix K to 
Regulation V), the toll-free opt out phone number listed as 1-800-XXX-
XXXX should read 1-888-567-8688. Third, on page four of the Fair Credit 
Reporting Act Summary of Consumer Rights, ``Assistant General Counsel 
for Office of Aviation Protection'' should read ``Assistant General 
Counsel for Office of Aviation Consumer Protection.'' Fourth, in 
comment appendix J-2 to Regulation Z, https://www.consumerfinance.gov/resources/applicable-requirements/annual-percentage-rate-tables/ should 
read https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/annual-percentage-rate-tables/.
    Regulatory Requirements: The Bureau finds that public comment on 
this correction is unnecessary because the Bureau is correcting 
inadvertent, technical errors, about which there is minimal, if any, 
basis for substantive disagreement. Because no notice of proposed 
rulemaking is required, the Regulatory Flexibility Act does not require 
an initial or final regulatory flexibility analysis. The Bureau has 
determined that these corrections do not impose any new or revise any 
existing recordkeeping, reporting, or disclosure requirements on 
covered entities or members of the public that would be collections of 
information requiring OMB approval under the Paperwork Reduction Act.

List of Subjects

12 CFR Part 1002

    Aged, Banks, Banking, Civil rights, Consumer protection, Credit, 
Credit unions, Discrimination, Fair lending, Marital status 
discrimination, National banks, National origin discrimination, 
Penalties, Race discrimination, Religious discrimination, Reporting and 
recordkeeping requirements, Savings associations, Sex discrimination.

12 CFR Part 1022

    Banks, Banking, Consumer protection, Credit unions, Fair Credit 
Reporting Act, Holding companies, National banks, Privacy, Reporting 
and recordkeeping requirements, Savings associations, State member 
banks.

12 CFR Part 1026

    Advertising, Appraisal, Appraiser, Banking, banks, Consumer 
protection, Credit, Credit unions, Mortgages, National banks, Reporting 
and recordkeeping requirements, Savings associations, Truth in lending.

Authority and Issuance

    For the reasons set forth above, the Bureau amends 12 CFR chapter 
X, as set forth below:

PART 1002--EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)

0
1. The authority citation for part 1002 continues to read as follows:

    Authority:  12 U.S.C. 5512, 5581; 15 U.S.C. 1691b.


0
2. Revise appendix A to read as follows:

Appendix A to Part 1002--Federal Agencies To Be Listed in Adverse 
Action Notices

    The following list indicates the Federal agency or agencies that 
should be listed in notices provided by creditors pursuant to Sec.  
1002.9(b)(1). Any questions concerning a particular creditor may be 
directed to such agencies. This list is not intended to describe 
agencies' enforcement authority for ECOA and Regulation B. Terms 
that are not defined in the Federal Deposit Insurance Act (12 U.S.C. 
1813(s)) shall have the meaning given to them in the International 
Banking Act of 1978 (12 U.S.C. 3101).
    1. Banks, savings associations, and credit unions with total 
assets of over $10 billion and their affiliates: Bureau of Consumer 
Financial Protection, 1700 G Street NW, Washington, DC 20552. Such 
affiliates that

[[Page 58066]]

are not banks, savings associations, or credit unions also should 
list, in addition to the Bureau: Federal Trade Commission, Consumer 
Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580.
    2. To the extent not included in item 1 above:
    a. National Banks, Federal savings associations, and Federal 
branches and Federal agencies of foreign banks: Office of the 
Comptroller of the Currency, Customer Assistance Group, P.O. Box 
53570, Houston, TX 77052.
    b. State member banks, branches and agencies of foreign banks 
(other than Federal branches, Federal agencies, and insured State 
branches of foreign banks), commercial lending companies owned or 
controlled by foreign banks, and organizations operating under 
section 25 or 25A of the Federal Reserve Act: Federal Reserve 
Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480.
    c. Nonmember Insured Banks, Insured State Branches of Foreign 
Banks, and Insured State Savings Associations: Division of Depositor 
and Consumer Protection, National Center for Consumer and Depositor 
Assistance, Federal Deposit Insurance Corporation, 1100 Walnut 
Street, Box #11, Kansas City, MO 64106.
    d. Federal Credit Unions: National Credit Union Administration, 
Office of Consumer Financial Protection (OCFP), 1775 Duke Street, 
Alexandria, VA 22314.
    3. Air Carriers: Assistant General Counsel for Office of 
Aviation Consumer Protection, Department of Transportation, 1200 New 
Jersey Avenue SE, Washington, DC 20590.
    4. Creditors Subject to Surface Transportation Board: Office of 
Public Assistance, Governmental Affairs, and Compliance, Surface 
Transportation Board, 395 E Street SW, Washington, DC 20423.
    5. Creditors Subject to Packers and Stockyards Act: Nearest 
Packers and Stockyards Division Regional Office.
    6. Small Business Investment Companies: Associate Administrator, 
Office of Capital Access, United States Small Business Association, 
409 Third Street SW, Suite 8200, Washington, DC 20416.
    7. Brokers and Dealers: Securities and Exchange Commission, 100 
F Street NE, Washington, DC 20549.
    8. Federal Land Banks, Federal Land Bank Associations, Federal 
Intermediate Credit Banks, and Production Credit Associations: Farm 
Credit Administration, 1501 Farm Credit Drive, McLean, VA 22102-
5090.
    9. Retailers, Finance Companies, and All Other Creditors Not 
Listed Above: Federal Trade Commission, Consumer Response Center, 
600 Pennsylvania Avenue NW, Washington, DC 20580.

PART 1022--FAIR CREDIT REPORTING (REGULATION V)

0
3. The authority citation for part 1022 continues to read as follows:

    Authority:  12 U.S.C. 5512, 5581; 15 U.S.C. 1681a, 1681b, 1681c, 
1681c-1, 1681c-3, 1681e, 1681g, 1681i, 1681j, 1681m, 1681s, 1681s-2, 
1681s-3, and 1681t; Sec. 214, Pub. L. 108-159, 117 Stat. 1952.


0
4. Revise appendix K to read as follows:

Appendix K to Part 1022--Summary of Consumer Rights

    The prescribed form for this summary is a disclosure that is 
substantially similar to the Bureau's model summary with all 
information clearly and prominently displayed. The list of Federal 
regulators that is included in the Bureau's prescribed summary may 
be provided separately so long as this is done in a clear and 
conspicuous way. A summary should accurately reflect changes to 
those items that may change over time (e.g., dollar amounts, or 
telephone numbers and addresses of Federal agencies) to remain in 
compliance. Translations of this summary will be in compliance with 
the Bureau's prescribed model, provided that the translation is 
accurate and that it is provided in a language used by the recipient 
consumer.
BILLING CODE 4810-AM-P

[[Page 58067]]

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[[Page 58069]]


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[[Page 58070]]


[GRAPHIC] [TIFF OMITTED] TR25AU23.007

BILLING CODE 4810-AM-C

PART 1026--TRUTH IN LENDING (REGULATION Z)

0
5. The authority citation for part 1026 continues to read as follows:

    Authority:  12 U.S.C. 2601, 2603-2605, 2607, 2609, 2617, 3353, 
5511, 5512, 5532, 5581; 15 U.S.C. 1601 et seq.


0
6. Supplement I is amended by revising Appendix J to read as follows:

Supplement I to Part 1026--Official Interpretations

* * * * *

Appendix J--Annual Percentage Rate Computations for Closed-End Credit 
Transactions

    1. Use of appendix J. Appendix J sets forth the actuarial equations 
and instructions for calculating the annual percentage rate in closed-
end credit transactions. While the formulas contained in this appendix 
may be directly applied to calculate the annual percentage rate for an 
individual transaction, they may also be utilized to program 
calculators and computers to perform the calculations.
    2. Relation to Bureau tables. The Bureau's Annual Percentage Rate 
Tables also provide creditors with a calculation tool that applies the 
technical information in appendix J. An annual

[[Page 58071]]

percentage rate computed in accordance with the instructions in the 
tables is deemed to comply with the regulation. Volume I of the tables 
may be used for credit transactions involving equal payment amounts and 
periods, as well as for transactions involving any of the following 
irregularities: odd first period, odd first payment and odd last 
payment. Volume II of the tables may be used for transactions that 
involve any type of irregularities. These tables may be obtained from 
the Bureau, 1700 G Street NW, Washington, DC 20552, upon request. The 
tables are also available on the Bureau's website at: https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/annual-percentage-rate-tables/.
* * * * *

Paul Hannah,
Senior Counsel and Federal Register Liaison, Consumer Financial 
Protection Bureau.
[FR Doc. 2023-18240 Filed 8-24-23; 8:45 am]
BILLING CODE 4810-AM-P
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