Request for Information on Bank-Fintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses; Extension of Comment Period, 76913-76915 [2024-21413]

Download as PDF Federal Register / Vol. 89, No. 182 / Thursday, September 19, 2024 / Notices that the extension of relief will allow the flexibility for the railroad to make up and operate historic trains at any time. A copy of the petition, as well as any written communications concerning the petition, is available for review online at www.regulations.gov. Interested parties are invited to participate in these proceedings by submitting written views, data, or comments. FRA does not anticipate scheduling a public hearing in connection with these proceedings since the facts do not appear to warrant a hearing. If any interested party desires an opportunity for oral comment and a public hearing, they should notify FRA, in writing, before the end of the comment period and specify the basis for their request. All communications concerning these proceedings should identify the appropriate docket number and may be submitted at www.regulations.gov. Follow the online instructions for submitting comments. Communications received by November 18, 2024 will be considered by FRA before final action is taken. Comments received after that date will be considered if practicable. Anyone can search the electronic form of any written communications and comments received into any of the U.S. Department of Transportation’s (DOT) dockets by the name of the individual submitting the comment (or signing the document, if submitted on behalf of an association, business, labor union, etc.). Under 5 U.S.C. 553(c), DOT solicits comments from the public to better inform its processes. DOT posts these comments, without edit, including any personal information the commenter provides, to www.regulations.gov, as described in the system of records notice (DOT/ALL–14 FDMS), which can be reviewed at https:// www.transportation.gov/privacy. See also https://www.regulations.gov/ privacy-notice for the privacy notice of regulations.gov. lotter on DSK11XQN23PROD with NOTICES1 Issued in Washington, DC. John Karl Alexy, Associate Administrator for Railroad Safety, Chief Safety Officer. [FR Doc. 2024–21395 Filed 9–18–24; 8:45 am] BILLING CODE 4910–06–P DEPARTMENT OF TRANSPORTATION Federal Railroad Administration [Docket Number FRA–2009–0078] Petition for Amendment of Waiver of Compliance Under part 211 of title 49 Code of Federal Regulations (CFR), this document provides the public notice that by letters dated May 14, 2024, and August 19, 2024, the American Short Line and Regional Railroad Association (ASLRRA) petitioned the Federal Railroad Administration (FRA) for an amendment of a waiver of compliance from certain provisions of the Federal hours of service (HOS) laws contained at 49 U.S.C. 21103(a)(4), which, in part, require a train employee to receive 48 hours off duty after initiating an on-duty period for 6 consecutive days. The relevant FRA Docket Number is FRA– 2009–0078. Specifically, ASLRRA seeks to amend its existing waiver to add 3 railroads that did not participate in the original waiver, but now wish to participate. ASLRRA stated the following railroads expressed a desire to participate in the waiver, and maintain at their headquarters supporting documentation of employee support, as required: • Railserve facility in Pasadena, Texas • Golden Triangle Railroad • Jaxport Terminal Railroad Additionally, ASLRRA stated that the Western New York and Pennsylvania Railroad will be removed from the list of participating railroads, which was requested by the Brotherhood of Locomotive Engineers and Trainmen (BLET) by letter dated May 20, 2024.1 Further, by letter dated April 26, 2024, BLET requested that the Florida Gulf and Atlantic Railroad be removed from the subject waiver.2 A copy of the petition, as well as any written communications concerning the petition, is available for review online at www.regulations.gov. Interested parties are invited to participate in these proceedings by submitting written views, data, or comments. FRA does not anticipate scheduling a public hearing in connection with these proceedings since the facts do not appear to warrant a hearing. If any interested parties desire an opportunity for oral comment and a public hearing, they should notify FRA, in writing, before the end of the 1 See https://www.regulations.gov/document/ FRA-2009-0078-0221. 2 See https://www.regulations.gov/document/ FRA-2009-0078-0218. VerDate Sep<11>2014 16:59 Sep 18, 2024 Jkt 262001 PO 00000 Frm 00128 Fmt 4703 Sfmt 4703 76913 comment period and specify the basis for their request. All communications concerning these proceedings should identify the appropriate docket number and may be submitted at www.regulations.gov. Follow the online instructions for submitting comments. Communications received by November 18, 2024 will be considered by FRA before final action is taken. Comments received after that date will be considered if practicable. Anyone can search the electronic form of any written communications and comments received into any of the Department of Transportation’s (DOT) dockets by the name of the individual submitting the comment (or signing the document, if submitted on behalf of an association, business, labor union, etc.). Under 5 U.S.C. 553(c), DOT solicits comments from the public to better inform its processes. DOT posts these comments, without edit, including any personal information the commenter provides, to www.regulations.gov, as described in the system of records notice (DOT/ALL–14 FDMS), which can be reviewed at https:// www.transportation.gov/privacy. See also https://www.regulations.gov/ privacy-notice for the privacy notice of regulations.gov. Issued in Washington, DC. John Karl Alexy, Associate Administrator for Railroad Safety, Chief Safety Officer. [FR Doc. 2024–21396 Filed 9–18–24; 8:45 am] BILLING CODE 4910–06–P DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency [Docket ID OCC–2024–0014] FEDERAL RESERVE SYSTEM [Docket No. OP–1836] FEDERAL DEPOSIT INSURANCE CORPORATION RIN 3064–ZA43 Request for Information on BankFintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses; Extension of Comment Period Office of the Comptroller of the Currency, Treasury; Board of Governors of the Federal Reserve System; and Federal Deposit Insurance Corporation. AGENCY: E:\FR\FM\19SEN1.SGM 19SEN1 76914 Federal Register / Vol. 89, No. 182 / Thursday, September 19, 2024 / Notices Request for information and comment; extension of comment period. ACTION: On July 31, 2024, the Office of the Comptroller of the Currency (OCC), Treasury, the Board of Governors of the Federal Reserve System (Board), and the Federal Deposit Insurance Corporation (FDIC) (collectively, the ‘‘agencies’’) published in the Federal Register a request for information and comment soliciting input on the nature of bank-fintech arrangements, effective risk management practices regarding bank-fintech arrangements, and the implications of such arrangements, including whether enhancements to existing supervisory guidance may be helpful in addressing risks associated with these arrangements. Public comments were requested by September 30, 2024. The agencies have determined that an extension of the comment period until October 30, 2024, is appropriate. DATES: The comment period for the notice that published at 89 FR 61577 (July 31, 2024) is extended. Comments must be received on or before October 30, 2024. ADDRESSES: Comments should be directed to: OCC: Commenters are encouraged to submit comments through the Federal eRulemaking Portal, if possible. Please use the title ‘‘Request for Information on Bank-Fintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses’’ to facilitate the organization and distribution of the comments. You may submit comments by any of the following methods: • Federal eRulemaking Portal— Regulations.gov: Go to https:// www.regulations.gov. Enter ‘‘Docket ID OCC–2024–0014’’ in the Search Box and click ‘‘Search.’’ Public comments can be submitted via the ‘‘Comment’’ box below the displayed document information or by clicking on the document title and then clicking the ‘‘Comment’’ box on the top-left side of the screen. For help with submitting effective comments, please click on ‘‘Commenter’s Checklist.’’ For assistance with the Regulations.gov site, please call 1–866–498–2945 (toll free) Monday–Friday, 8:00 a.m. to 7:00 p.m. ET, or email regulationshelpdesk@ gsa.gov. • Mail: Chief Counsel’s Office, Attention: Comment Processing, Office of the Comptroller of the Currency, 400 7th Street SW, Suite 3E–218, Washington, DC 20219. • Hand Delivery/Courier: 400 7th Street SW, Suite 3E–218, Washington, DC 20219. lotter on DSK11XQN23PROD with NOTICES1 SUMMARY: VerDate Sep<11>2014 16:59 Sep 18, 2024 Jkt 262001 Instructions: You must include ‘‘OCC’’ as the agency name and ‘‘Docket ID OCC–2024–0014’’ in your comment. In general, the OCC will enter all comments received into the docket and publish the comments on the Regulations.gov website without change, including any business or personal information provided such as name and address information, email addresses, or phone numbers. Comments received, including attachments and other supporting materials, are part of the public record and subject to public disclosure. Do not include any information in your comment or supporting materials that you consider confidential or inappropriate for public disclosure. You may review comments and other related materials that pertain to this action by the following method: • Viewing Comments Electronically— Regulations.gov: Go to https:// regulations.gov/. Enter ‘‘Docket ID OCC– 2024–0014’’ in the Search Box and click ‘‘Search.’’ Click on the ‘‘Dockets’’ tab and then the document’s title. After clicking the document’s title, click the ‘‘Browse All Comments’’ tab. Comments can be viewed and filtered by clicking on the ‘‘Sort By’’ drop-down on the right side of the screen or the ‘‘Refine Comments Results’’ options on the left side of the screen. Supporting materials can be viewed by clicking on the ‘‘Browse Documents’’ tab. Click on the ‘‘Sort By’’ drop-down on the right side of the screen or the ‘‘Refine Results’’ options on the left side of the screen checking the ‘‘Supporting & Related Materials’’ checkbox. For assistance with the Regulations.gov site, please call 1–866–498–2945 (toll free) Monday– Friday, 8:00 a.m. to 7:00 p.m. eastern time (ET), or email regulationshelpdesk@gsa.gov. The docket may be viewed after the close of the comment period in the same manner as during the comment period. Board: You may submit comments, identified by Docket No. OP–1836, by any of the following methods: • Agency website: https:// www.federalreserve.gov/. Follow the instructions for submitting comments at https://www.federalreserve.gov/apps/ foia/proposedregs.aspx. • Email: regs.comments@ federalreserve.gov. Include the OMB number or FR number in the subject line of the message. • Fax: (202) 452–3819 or (202) 452– 3102. • Mail: Federal Reserve Board of Governors, Attn: Ann E. Misback, Secretary of the Board, Mailstop M– 4775, 2001 C St. NW, Washington, DC 20551. PO 00000 Frm 00129 Fmt 4703 Sfmt 4703 All public comments are available from the Board’s website at https:// www.federalreserve.gov/apps/foia/ proposedregs.aspx as submitted, unless modified for technical reasons or to remove personally identifiable information at the commenter’s request. Accordingly, comments will not be edited to remove any confidential business information, identifying information, or contact information. Public comments may also be viewed electronically or in paper in Room M– 4365A, 2001 C St. NW, Washington, DC 20551, between 9:00 a.m. and 5:00 p.m. on weekdays, except for Federal holidays. For security reasons, the Board requires that visitors make an appointment to inspect comments. You may do so by calling (202) 452–3684. Upon arrival, visitors will be required to present valid government-issued photo identification and to submit to security screening in order to inspect and photocopy comments. FDIC: You may submit comments, identified by RIN 3064–ZA43, by any of the following methods: • Agency website: https:// www.fdic.gov/resources/regulations/ federal-register-publications/. Follow instructions for submitting comments on the FDIC’s website. • Email: Comments@fdic.gov. Include ‘‘Request for Information on BankFintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses/RIN 3064–ZA43’’ in the subject line of the message. • Mail: James P. Sheesley, Assistant Executive Secretary, Attention: Request for Information on Bank-Fintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses—RIN 3064– ZA43, Federal Deposit Insurance Corporation, 550 17th Street NW, Washington, DC 20429. • Hand Delivery: Comments may be hand-delivered to the guard station at the rear of the 550 17th Street NW, building (located on F Street NW) on business days between 7:00 a.m. and 5:00 p.m. ET. • Public Inspection: Comments received, including any personal information provided, may be posted without change to https://www.fdic.gov/ resources/regulations/federal-registerpublications/. Commenters should submit only information that the commenter wishes to make available publicly. The FDIC may review, redact, or refrain from posting all or any portion of any comment that it may deem to be inappropriate for publication, such as irrelevant or obscene material. The FDIC may post only a single representative E:\FR\FM\19SEN1.SGM 19SEN1 lotter on DSK11XQN23PROD with NOTICES1 Federal Register / Vol. 89, No. 182 / Thursday, September 19, 2024 / Notices example of identical or substantially identical comments, and in such cases will generally identify the number of identical or substantially identical comments represented by the posted example. All comments that have been redacted, as well as those that have not been posted, that contain comments on the merits of this notice will be retained in the public comment file and will be considered as required under all applicable laws. All comments may be accessible under the Freedom of Information Act. FOR FURTHER INFORMATION CONTACT: OCC: Miriam Bazan, Financial Technology Policy Specialist, or Tracy Chin, Director for Payment Systems Policy, Bank Supervision Policy (202) 649–5200; or Beth Knickerbocker, Special Counsel, Micah Cogen, Counsel, or Graham Bannon, Counsel, Chief Counsel’s Office (202) 649–5490. If you are deaf, hard of hearing, or have a speech disability, please dial 7–1–1 to access telecommunications relay services. Board: Kavita Jain, Associate Director, Novel Activities and Innovation Policy, (202) 452–2062, Jeff Ernst, Manager, Innovation Policy, (202) 452–2814, or Roman Goldstein, Lead Financial Institution Policy Analyst, (202) 452– 3802, Division of Supervision and Regulation; Drew Kohan, Associate Director, Program Direction, Division of Consumer and Community Affairs, (202) 452–3040; Asad Kudiya, Deputy Associate General Counsel, (202) 475– 6358 or Isabel Echarte, Attorney, (202) 452–2514, Legal Division, Board of Governors of the Federal Reserve System, 20th and C Streets NW, Washington, DC 20551. For the hearing impaired only, Telecommunication Device for the Deaf (TDD), (202) 263– 4869. FDIC: Rae-Ann Miller, Senior Deputy Director, (202) 898–3898, or Tom Lyons, Associate Director, (202) 898–6850, Division of Risk Management Supervision; Luke Brown, Associate Director, (202) 898–3842, or Meron Wondwosen, Chief, (571) 438–7127, Division of Depositor and Consumer Protection; Annmarie Boyd, Senior Counsel, (202) 898–3714, or Vivek Khare, Senior Counsel, (202) 898–6847; FDIC, 550 17th Street NW, Washington, DC 20429. SUPPLEMENTARY INFORMATION: On July 31, 2024, the agencies published in the Federal Register a request for information and comment soliciting input on the nature of bank-fintech arrangements, effective risk management practices regarding bankfintech arrangements, and the VerDate Sep<11>2014 16:59 Sep 18, 2024 Jkt 262001 implications of such arrangements, including whether enhancements to existing supervisory guidance may be helpful in addressing risks associated with these arrangements.1 The request for information and comment stated that the comment period would close on September 30, 2024. The agencies have received a request to extend the comment period for an additional 30 days. After reviewing the request, the agencies find it appropriate to grant the request and extend the comment period by an additional 30 days. An extension of the comment period will provide additional opportunity for the public to consider the request, prepare comments, and address the questions posed by the agencies. Therefore, the agencies are extending the end of the comment period from September 30, 2024, to October 30, 2024. Michael J. Hsu, Acting Comptroller of the Currency. By order of the Board of Governors of the Federal Reserve System. Ann E. Misback, Secretary of the Board. Federal Deposit Insurance Corporation. Dated at Washington, DC, on September 13, 2024. James P. Sheesley, Assistant Executive Secretary. [FR Doc. 2024–21413 Filed 9–18–24; 8:45 am] BILLING CODE 4810–33–P; 6210–01–P; 6714–01–P DEPARTMENT OF THE TREASURY Office of Foreign Assets Control Notice of OFAC Sanctions Actions Office of Foreign Assets Control, Treasury. ACTION: Notice. AGENCY: The U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC) is publishing the names of one or more persons that have been placed on OFAC’s Specially Designated Nationals and Blocked Persons List (SDN List) based on OFAC’s determination that one or more applicable legal criteria were satisfied. All property and interests in property subject to U.S. jurisdiction of these persons are blocked, and U.S. persons are generally prohibited from engaging in transactions with them. DATES: See SUPPLEMENTARY INFORMATION section for effective date(s). FOR FURTHER INFORMATION CONTACT: OFAC: Lisa M. Palluconi, Acting Director, tel.: 202–622–2490; Associate SUMMARY: 1 89 PO 00000 FR 61577 (July 31, 2024). Frm 00130 Fmt 4703 Sfmt 4703 76915 Director for Global Targeting, tel.: 202– 622–2420; Assistant Director for Licensing, tel.: 202–622–2480; Assistant Director for Regulatory Affairs, tel.: 202– 622–4855; or Assistant Director for Sanctions Compliance & Evaluation, tel.: 202–622–2490. SUPPLEMENTARY INFORMATION: Electronic Availability The SDN List and additional information concerning OFAC sanctions programs are available on OFAC’s website (https://www.treasury.gov/ofac). Notice of OFAC Actions On September 12, 2024, OFAC determined that the property and interests in property subject to U.S. jurisdiction of the following persons are blocked under the relevant sanctions authorities listed below. Individuals 1. MENESES RODRIGUEZ, Antonio Jose, Venezuela; DOB 10 Dec 1980; nationality Venezuela; Gender Male; Cedula No. V14316687 (Venezuela) (individual) [VENEZUELA]. Designated pursuant to section 1(a)(ii)(C) of Executive Order 13692 of March 8, 2015, ‘‘Blocking Property and Suspending Entry of Certain Persons Contributing to the Situation in Venezuela,’’ 80 FR 12747, 3 CFR, 2015 Comp., p. 276 (March 11, 2015) (E.O. 13692), as amended by Executive Order 13857 of January 25, 2019, ‘‘Taking Additional Steps To Address the National Emergency With Respect to Venezuela,’’ 84 FR 509, 3 CFR, 2019 Comp., p. 251 (January 30, 2019) (E.O. 13857), for being a current or former official of the Government of Venezuela. 2. HIDALGO PANDARES, Juan Carlos (a.k.a. ‘‘PANDARES, Juan Carlos’’), Venezuela; DOB 20 Oct 1961; POB Maracay, Aragua, Venezuela; nationality Venezuela; Gender Male; Cedula No. V7220202 (Venezuela) (individual) [VENEZUELA]. Designated pursuant to section 1(a)(ii)(C) of E.O. 13692, as amended by E.O. 13857, for being a current or former official of the Government of Venezuela. 3. BUSTAMANTE PUERTA, Dinorah Yoselin (a.k.a. BUSTAMANTE PUERTA, Dinora Joselin; a.k.a. BUSTAMANTE PUERTA, Dinora Yoselin), Venezuela; DOB 14 Jan 1975; POB Venezuela; nationality Venezuela; Gender Female; Cedula No. V10002096 (Venezuela) (individual) [VENEZUELA]. Designated pursuant to section 1(a)(ii)(C) of E.O. 13692, as amended by E.O. 13857, for being a current or former official of the Government of Venezuela. 4. MARQUEZ CORDERO, Fanny Beatriz, Caracas, Venezuela; DOB 05 Feb 1969; POB Caracas, Venezuela; nationality Venezuela; Gender Female; Cedula No. 6272864 (Venezuela); Passport 054208483 (Venezuela) expires 01 Feb 2017 (individual) [VENEZUELA]. Designated pursuant to section 1(a)(ii)(C) of E.O. 13692, as amended by E.O. 13857, for E:\FR\FM\19SEN1.SGM 19SEN1

Agencies

[Federal Register Volume 89, Number 182 (Thursday, September 19, 2024)]
[Notices]
[Pages 76913-76915]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2024-21413]


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DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

[Docket ID OCC-2024-0014]

FEDERAL RESERVE SYSTEM

[Docket No. OP-1836]

FEDERAL DEPOSIT INSURANCE CORPORATION

RIN 3064-ZA43


Request for Information on Bank-Fintech Arrangements Involving 
Banking Products and Services Distributed to Consumers and Businesses; 
Extension of Comment Period

AGENCY: Office of the Comptroller of the Currency, Treasury; Board of 
Governors of the Federal Reserve System; and Federal Deposit Insurance 
Corporation.

[[Page 76914]]


ACTION: Request for information and comment; extension of comment 
period.

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

SUMMARY: On July 31, 2024, the Office of the Comptroller of the 
Currency (OCC), Treasury, the Board of Governors of the Federal Reserve 
System (Board), and the Federal Deposit Insurance Corporation (FDIC) 
(collectively, the ``agencies'') published in the Federal Register a 
request for information and comment soliciting input on the nature of 
bank-fintech arrangements, effective risk management practices 
regarding bank-fintech arrangements, and the implications of such 
arrangements, including whether enhancements to existing supervisory 
guidance may be helpful in addressing risks associated with these 
arrangements. Public comments were requested by September 30, 2024. The 
agencies have determined that an extension of the comment period until 
October 30, 2024, is appropriate.

DATES: The comment period for the notice that published at 89 FR 61577 
(July 31, 2024) is extended. Comments must be received on or before 
October 30, 2024.

ADDRESSES: Comments should be directed to:
    OCC: Commenters are encouraged to submit comments through the 
Federal eRulemaking Portal, if possible. Please use the title ``Request 
for Information on Bank-Fintech Arrangements Involving Banking Products 
and Services Distributed to Consumers and Businesses'' to facilitate 
the organization and distribution of the comments. You may submit 
comments by any of the following methods:
     Federal eRulemaking Portal--Regulations.gov: Go to https://www.regulations.gov. Enter ``Docket ID OCC-2024-0014'' in the Search 
Box and click ``Search.'' Public comments can be submitted via the 
``Comment'' box below the displayed document information or by clicking 
on the document title and then clicking the ``Comment'' box on the top-
left side of the screen. For help with submitting effective comments, 
please click on ``Commenter's Checklist.'' For assistance with the 
Regulations.gov site, please call 1-866-498-2945 (toll free) Monday-
Friday, 8:00 a.m. to 7:00 p.m. ET, or email 
[email protected].
     Mail: Chief Counsel's Office, Attention: Comment 
Processing, Office of the Comptroller of the Currency, 400 7th Street 
SW, Suite 3E-218, Washington, DC 20219.
     Hand Delivery/Courier: 400 7th Street SW, Suite 3E-218, 
Washington, DC 20219.
    Instructions: You must include ``OCC'' as the agency name and 
``Docket ID OCC-2024-0014'' in your comment. In general, the OCC will 
enter all comments received into the docket and publish the comments on 
the Regulations.gov website without change, including any business or 
personal information provided such as name and address information, 
email addresses, or phone numbers. Comments received, including 
attachments and other supporting materials, are part of the public 
record and subject to public disclosure. Do not include any information 
in your comment or supporting materials that you consider confidential 
or inappropriate for public disclosure.
    You may review comments and other related materials that pertain to 
this action by the following method:
     Viewing Comments Electronically--Regulations.gov: Go to 
https://regulations.gov/. Enter ``Docket ID OCC-2024-0014'' in the 
Search Box and click ``Search.'' Click on the ``Dockets'' tab and then 
the document's title. After clicking the document's title, click the 
``Browse All Comments'' tab. Comments can be viewed and filtered by 
clicking on the ``Sort By'' drop-down on the right side of the screen 
or the ``Refine Comments Results'' options on the left side of the 
screen. Supporting materials can be viewed by clicking on the ``Browse 
Documents'' tab. Click on the ``Sort By'' drop-down on the right side 
of the screen or the ``Refine Results'' options on the left side of the 
screen checking the ``Supporting & Related Materials'' checkbox. For 
assistance with the Regulations.gov site, please call 1-866-498-2945 
(toll free) Monday-Friday, 8:00 a.m. to 7:00 p.m. eastern time (ET), or 
email [email protected].
    The docket may be viewed after the close of the comment period in 
the same manner as during the comment period.
    Board: You may submit comments, identified by Docket No. OP-1836, 
by any of the following methods:
     Agency website: https://www.federalreserve.gov/. Follow 
the instructions for submitting comments at https://www.federalreserve.gov/apps/foia/proposedregs.aspx.
     Email: [email protected]. Include the OMB 
number or FR number in the subject line of the message.
     Fax: (202) 452-3819 or (202) 452-3102.
     Mail: Federal Reserve Board of Governors, Attn: Ann E. 
Misback, Secretary of the Board, Mailstop M-4775, 2001 C St. NW, 
Washington, DC 20551.
    All public comments are available from the Board's website at 
https://www.federalreserve.gov/apps/foia/proposedregs.aspx as 
submitted, unless modified for technical reasons or to remove 
personally identifiable information at the commenter's request. 
Accordingly, comments will not be edited to remove any confidential 
business information, identifying information, or contact information. 
Public comments may also be viewed electronically or in paper in Room 
M-4365A, 2001 C St. NW, Washington, DC 20551, between 9:00 a.m. and 
5:00 p.m. on weekdays, except for Federal holidays. For security 
reasons, the Board requires that visitors make an appointment to 
inspect comments. You may do so by calling (202) 452-3684. Upon 
arrival, visitors will be required to present valid government-issued 
photo identification and to submit to security screening in order to 
inspect and photocopy comments.
    FDIC: You may submit comments, identified by RIN 3064-ZA43, by any 
of the following methods:
     Agency website: https://www.fdic.gov/resources/regulations/federal-register-publications/. Follow instructions for 
submitting comments on the FDIC's website.
     Email: [email protected]. Include ``Request for 
Information on Bank-Fintech Arrangements Involving Banking Products and 
Services Distributed to Consumers and Businesses/RIN 3064-ZA43'' in the 
subject line of the message.
     Mail: James P. Sheesley, Assistant Executive Secretary, 
Attention: Request for Information on Bank-Fintech Arrangements 
Involving Banking Products and Services Distributed to Consumers and 
Businesses--RIN 3064-ZA43, Federal Deposit Insurance Corporation, 550 
17th Street NW, Washington, DC 20429.
     Hand Delivery: Comments may be hand-delivered to the guard 
station at the rear of the 550 17th Street NW, building (located on F 
Street NW) on business days between 7:00 a.m. and 5:00 p.m. ET.
     Public Inspection: Comments received, including any 
personal information provided, may be posted without change to https://www.fdic.gov/resources/regulations/federal-register-publications/. 
Commenters should submit only information that the commenter wishes to 
make available publicly. The FDIC may review, redact, or refrain from 
posting all or any portion of any comment that it may deem to be 
inappropriate for publication, such as irrelevant or obscene material. 
The FDIC may post only a single representative

[[Page 76915]]

example of identical or substantially identical comments, and in such 
cases will generally identify the number of identical or substantially 
identical comments represented by the posted example. All comments that 
have been redacted, as well as those that have not been posted, that 
contain comments on the merits of this notice will be retained in the 
public comment file and will be considered as required under all 
applicable laws. All comments may be accessible under the Freedom of 
Information Act.

FOR FURTHER INFORMATION CONTACT: 
    OCC: Miriam Bazan, Financial Technology Policy Specialist, or Tracy 
Chin, Director for Payment Systems Policy, Bank Supervision Policy 
(202) 649-5200; or Beth Knickerbocker, Special Counsel, Micah Cogen, 
Counsel, or Graham Bannon, Counsel, Chief Counsel's Office (202) 649-
5490. If you are deaf, hard of hearing, or have a speech disability, 
please dial 7-1-1 to access telecommunications relay services.
    Board: Kavita Jain, Associate Director, Novel Activities and 
Innovation Policy, (202) 452-2062, Jeff Ernst, Manager, Innovation 
Policy, (202) 452-2814, or Roman Goldstein, Lead Financial Institution 
Policy Analyst, (202) 452-3802, Division of Supervision and Regulation; 
Drew Kohan, Associate Director, Program Direction, Division of Consumer 
and Community Affairs, (202) 452-3040; Asad Kudiya, Deputy Associate 
General Counsel, (202) 475-6358 or Isabel Echarte, Attorney, (202) 452-
2514, Legal Division, Board of Governors of the Federal Reserve System, 
20th and C Streets NW, Washington, DC 20551. For the hearing impaired 
only, Telecommunication Device for the Deaf (TDD), (202) 263-4869.
    FDIC: Rae-Ann Miller, Senior Deputy Director, (202) 898-3898, or 
Tom Lyons, Associate Director, (202) 898-6850, Division of Risk 
Management Supervision; Luke Brown, Associate Director, (202) 898-3842, 
or Meron Wondwosen, Chief, (571) 438-7127, Division of Depositor and 
Consumer Protection; Annmarie Boyd, Senior Counsel, (202) 898-3714, or 
Vivek Khare, Senior Counsel, (202) 898-6847; FDIC, 550 17th Street NW, 
Washington, DC 20429.

SUPPLEMENTARY INFORMATION: On July 31, 2024, the agencies published in 
the Federal Register a request for information and comment soliciting 
input on the nature of bank-fintech arrangements, effective risk 
management practices regarding bank-fintech arrangements, and the 
implications of such arrangements, including whether enhancements to 
existing supervisory guidance may be helpful in addressing risks 
associated with these arrangements.\1\ The request for information and 
comment stated that the comment period would close on September 30, 
2024. The agencies have received a request to extend the comment period 
for an additional 30 days. After reviewing the request, the agencies 
find it appropriate to grant the request and extend the comment period 
by an additional 30 days. An extension of the comment period will 
provide additional opportunity for the public to consider the request, 
prepare comments, and address the questions posed by the agencies. 
Therefore, the agencies are extending the end of the comment period 
from September 30, 2024, to October 30, 2024.
---------------------------------------------------------------------------

    \1\ 89 FR 61577 (July 31, 2024).

Michael J. Hsu,
Acting Comptroller of the Currency.

    By order of the Board of Governors of the Federal Reserve 
System.
Ann E. Misback,
Secretary of the Board.

Federal Deposit Insurance Corporation.

    Dated at Washington, DC, on September 13, 2024.
James P. Sheesley,
Assistant Executive Secretary.
[FR Doc. 2024-21413 Filed 9-18-24; 8:45 am]
BILLING CODE 4810-33-P; 6210-01-P; 6714-01-P
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