Arms Sales Notification, 105019-105021 [2024-30631]
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Federal Register / Vol. 89, No. 247 / Thursday, December 26, 2024 / Notices
information on the amount due and due
date for their payments. Express
misrepresentations or
misrepresentations regarding central
characteristics such as cost or payment
due dates are material.
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2.5.3 Debiting Unauthorized Amounts
Regulation E requires the designated
payee to obtain written authorization
before transferring funds from
consumers’ accounts.17 Examiners
observed that student loan servicers
obtained authorizations that allowed
them to withdraw the monthly payment
amount, but the servicers then withdrew
amounts that exceeded the written
payment amount, in some cases instead
withdrawing the entire outstanding loan
balance. Because the authorizations
allowed the servicers to withdraw only
the monthly payment amounts, the
preauthorized electronic funds transfers
were not authorized in writing and
therefore violated Regulation E.
In other instances, consumers signed
authorizations that allowed servicers to
withdraw monthly payment amounts for
certain loans from one deposit account
and monthly payment amounts for other
loans from a different deposit account.
The servicers then withdrew payments
for all the loans from one of the two
deposit accounts. Because the
authorization only allowed the servicers
to withdraw the monthly payment
amounts for specific loans and they
instead withdrew monthly payment
amounts for other loans, the
preauthorized electronic funds transfers
were not authorized in writing and
therefore violated Regulation E.
2.5.4 Excessive Delays in Processing of
Applications for Income-Driven
Repayment Plans
Federal student loan borrowers are
eligible for a number of repayment plans
that base monthly payments on their
income and family size; these plans are
called IDR plans. To enroll in IDR plans,
consumers must submit applications to
their servicers who process the
applications.
Examiners found that servicers
engaged in unfair acts or practices when
they caused consumers to experience
excessive delays in processing times for
IDR applications. In many reviewed
files, it took more than 90 calendar days
for servicers to process the IDR
applications. These delays caused or
were likely to cause substantial injury as
interest continued to accrue while
servicers processed IDR applications, so
excessive delays likely resulted in
unnecessary accrued interest. In
17 12
CFR 1005.10(b).
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19:37 Dec 23, 2024
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addition, the delays may have prevented
borrowers from making payments which
count towards loan forgiveness. These
delays also caused borrowers
considerable frustration and wasted
time as they repeatedly tried to obtain
information from servicers about the
status of their applications. Consumers
could not reasonably avoid the injury
because they do not choose their
servicer and have no control of how
long it takes servicers to review and
evaluate borrowers’ applications. The
injury to consumers was not outweighed
by countervailing benefits to consumers
or to competition.
2.5.5 Improper Denials of Applications
for Income-Driven Repayment
Examiners found that servicers
engaged in unfair acts or practices when
they improperly denied consumers’ IDR
applications. Examiners found that
servicers denied consumers’
applications for failing to provide
sufficient income documentation
despite consumers providing sufficient
documentation of income. Examiners
also found that servicers denied
consumers’ applications because they
had ineligible loan types, when in fact
the consumers had eligible loans. These
improper denials caused or were likely
to cause substantial injury because
consumers who are improperly denied
paid or were at risk of paying higher
monthly payments. Additionally, some
consumers may have spent time and
resources addressing the denials.
Consumers could not reasonably avoid
the injury because servicers are
responsible for processing IDR
applications in accordance with
processing requirements and consumers
do not choose their servicers. And the
injury to consumers is not outweighed
by countervailing benefits to consumers
or competition.
2.5.6 Providing Inaccurate Denial
Reasons in Response to Income-DrivenRepayment Applications
Examiners found that servicers
engaged in deceptive acts or practices
by providing inaccurate denial reasons
to consumers who applied for IDR
plans. The denial letters misled or were
likely to mislead borrowers as the denial
reasons were not accurate, and in
multiple cases, erroneously denied
eligible consumers. It is reasonable for
borrowers to expect servicers to
properly evaluate their eligibility for
IDR plans and for denial letters to
accurately explain the reasons why
servicers denied their IDR applications.
The misleading representations were
material as the inaccurate denial reasons
were likely to influence borrower
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Sfmt 4703
105019
choices with respect to applying for IDR
plans by, for example, leading to
borrowers’ confusion about eligibility
criteria and discouraging borrowers
from re-applying for an IDR plan by
telling them to find and provide
unnecessary additional information in
order to qualify.
2.5.7 Failure To Advise Consumers of
the Option to Verbally Provide Income
in Connection With Income-DrivenRepayment Applications
During the COVID–19 pandemic and
through February 29, 2024, the
Department of Education allowed
consumers to apply for IDR plans by
providing an attestation of income over
the phone or in writing, this process
was referred to as self-certification.
Examiners found that servicers
engaged in unfair acts or practices by
failing to advise consumers that they
could self-certify their income when
applying for an IDR plan. Consumers
contacted their servicers to discuss their
pending IDR applications that were
delayed due to missing income
documentation, but the servicer
representatives did not advise
consumers that they could provide the
missing information by making an oral
attestation during the call. These acts or
practices caused or were likely to cause
substantial injury because it caused
servicers to deny consumers’
applications, preventing lower payment
amounts, potential interest subsidies,
and credit towards loan forgiveness.
Consumers could not avoid this injury
because they do not choose their
servicers and relied on the servicers to
provide relevant information regarding
IDR applications. The injury to
consumers is not outweighed by
countervailing benefits to consumers or
competition.
Rohit Chopra,
Director, Consumer Financial Protection
Bureau.
[FR Doc. 2024–30758 Filed 12–23–24; 8:45 am]
BILLING CODE 4810–AM–P
DEPARTMENT OF DEFENSE
Office of the Secretary
[Transmittal No. 21–19]
Arms Sales Notification
Defense Security Cooperation
Agency, Department of Defense (DoD).
ACTION: Arms sales notice.
AGENCY:
The DoD is publishing the
unclassified text of an arms sales
notification.
SUMMARY:
E:\FR\FM\26DEN1.SGM
26DEN1
105020
Federal Register / Vol. 89, No. 247 / Thursday, December 26, 2024 / Notices
FOR FURTHER INFORMATION CONTACT:
Pamela Young at (703) 953–6092,
pamela.a.young14.civ@mail.mil, or
dsca.ncr.rsrcmgmt.list.cns-mbx@
mail.mil.
SUPPLEMENTARY INFORMATION: This
36(b)(1) arms sales notification is
published to fulfill the requirements of
section 155 of Public Law 104–164
dated July 21, 1996. The following is a
copy of a letter to the Speaker of the
House of Representatives with attached
Transmittal 21–19 and Policy
Justification.
Dated: December 17, 2024.
Stephanie J. Bost,
Alternate OSD Federal Register Liaison
Officer, Department of Defense.
BILLING CODE 6001–FR–P
DEFENSE SECURITY COOPERATION AGENCY
2800 Defense Pentagon
Wasltington,DC 20301•2800
DEC 2 2 2023
The Honorable Mike Johnson
Spealw of the House
U.S. House of Representatives
H-209. The Capitol
Washingto~ DC 20515
Dear Mr. Speek~r:
Pursuant to the reporting :requirements of Section 36(bX1) of the Arms Export Control
Act, as amend~ we are forwarding herewith Transmittal No. 21 ·19 concerning the Air Force~s
proposed Letter(s) of Offer and Acceptance to the Kingdom of Saudi Arabia for defense articles
and services estimated to cost $1 billion. We will issue a news release to notify the public of this
proposed sale upon delivery of this letter to your office.
Sincerely,
~a,~
· James A. Hurscb
Director
BILLING CODE 6001–FR–C
Transmittal No. 21–19
(ii) Total Estimated Value:
Notice of Proposed Issuance of Letter of
Offer Pursuant to Section 36(b)(1) of the
Arms Export Control Act, as amended
(i) Prospective Purchaser: Kingdom of
Saudi Arabia
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19:37 Dec 23, 2024
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Major Defense Equipment *
Other ...................................
$0 billion,
$1 billion,
Total .................................
$1 billion.
Funding Source: National Funds
E:\FR\FM\26DEN1.SGM
26DEN1
EN26DE24.000
ddrumheller on DSK120RN23PROD with NOTICES1
Enclosures:
l. Transmittal
2~ Policy Justification ..
..
..
3. • . Regional Balance (Classified document provided wider separate covet)
Federal Register / Vol. 89, No. 247 / Thursday, December 26, 2024 / Notices
(iii) Description and Quantity or
Quantities of Articles or Services under
Consideration for Purchase:
Major Defense Equipment (MDE):
None
Non-MDE:
Continuation of a blanket order
training program inside and outside
of the Kingdom of Saudi Arabia that
includes, but is not limited to, flight
training; technical training;
professional military education;
specialized training; Mobile
Training Teams (MTTs); Technical
Assistance Field Team (TAFT);
Extended Training Service
Specialists (ETSS); and English
language training. These blanket
order training cases will cover all
relevant types of training offered by
or contracted through the United
States (U.S.) Air Force or
Department of Defense (DoD)
Agencies. This training for the
Royal Saudi Air Force (RSAF) and
other Saudi forces will include such
subjects as civilian casualty
avoidance; the laws of armed
conflicts; human rights; command
and control; and targeting via MTTs
and/or broader Programs of
Instruction (POIs). Program
management; trainers, simulators;
travel; billeting; and medical
support may also be included.
(iv) Military Department: Air Force
(SR–D–THP)
(v) Prior Related Cases, if any: SR–D–
THI, SR–D–THJ, SR–D–THK, SR–D–
THL, SR–D–THM, SR–D–THN, SR–D–
THO
(vi) Sales Commission, Fee, etc., Paid,
Offered, or Agreed to be Paid: None
(vii) Sensitivity of Technology
Contained in the Defense Article or
Defense Services Proposed to be Sold:
None
(viii) Date Report Delivered to
Congress: December 22, 2023
ddrumheller on DSK120RN23PROD with NOTICES1
* As defined in Section 47(6) of the
Arms Export Control Act.
VerDate Sep<11>2014
19:37 Dec 23, 2024
Jkt 265001
POLICY JUSTIFICATION
Saudi Arabia—Blanket Order Training
The Kingdom of Saudi Arabia has
requested a continuation of a blanket
order training program inside and
outside of the Kingdom of Saudi Arabia
that includes, but is not limited to, flight
training; technical training; professional
military education; specialized training;
Mobile Training Teams (MTTs);
Technical Assistance Field Team
(TAFT); Extended Training Service
Specialists (ETSS); and English
language training. These blanket order
training cases will cover all relevant
types of training offered by or
contracted through the U.S. Air Force or
DoD. This training for the Royal Saudi
Air Force (RSAF) and other Saudi forces
will include such subjects as civilian
casualty avoidance; the laws of armed
conflicts; human rights; command and
control; and targeting via MTTs and/or
broader Programs of Instruction (POIs).
Program management; trainers,
simulators; travel; billeting; and medical
support may also be included. The
estimated total cost is $1 billion.
This proposed sale will support the
foreign policy goals and national
security objectives of the U.S. by
improving the security of a friendly
country that is a force for political
stability and economic progress in the
Middle East.
The proposed sale will improve Saudi
Arabia’s capability to meet current and
future threats and increase its
interoperability with the U.S. through
comprehensive U.S. Air Force training.
The training will assist Saudi Arabia by
fostering a climate of security in the
region through the improved
proficiency of the RSAF. Saudi Arabia
will have no difficulty absorbing this
training into its armed forces.
The proposed sale of this equipment
and support will not alter the basic
military balance in the region.
There is no principal contractor for
the proposed sale. Training will be
provided by U.S. Government or
contract vendors based upon
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Frm 00057
Fmt 4703
Sfmt 4703
105021
requirements as they are determined.
There are no known offset agreements
proposed in connection with this
potential sale.
Implementation of this proposed sale
will require the temporary or
continuation of assignment of
approximately three hundred thirtynine (339) U.S. Government or
contractor training personnel to Saudi
Arabia for at least one year with a
possibility of extension.
There will be no adverse impact on
U.S. defense readiness as a result of this
proposed sale.
[FR Doc. 2024–30631 Filed 12–23–24; 8:45 am]
BILLING CODE 6001–FR–P
DEPARTMENT OF DEFENSE
Office of the Secretary
[Transmittal No. 24–16]
Arms Sales Notification
Defense Security Cooperation
Agency, Department of Defense (DoD).
ACTION: Arms sales notice.
AGENCY:
The DoD is publishing the
unclassified text of an arms sales
notification.
SUMMARY:
FOR FURTHER INFORMATION CONTACT:
Pamela Young at (703) 953–6092,
pamela.a.young14.civ@mail.mil, or
dsca.ncr.rsrcmgmt.list.cns-mbx@
mail.mil.
This
36(b)(1) arms sales notification is
published to fulfill the requirements of
section 155 of Public Law 104–164
dated July 21, 1996. The following is a
copy of a letter to the Speaker of the
House of Representatives with attached
Transmittal 24–16, Policy Justification,
and Sensitivity of Technology.
SUPPLEMENTARY INFORMATION:
Dated: December 17, 2024.
Stephanie J. Bost,
Alternate OSD Federal Register Liaison
Officer, Department of Defense.
BILLING CODE 6001–FR–P
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26DEN1
Agencies
[Federal Register Volume 89, Number 247 (Thursday, December 26, 2024)]
[Notices]
[Pages 105019-105021]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2024-30631]
=======================================================================
-----------------------------------------------------------------------
DEPARTMENT OF DEFENSE
Office of the Secretary
[Transmittal No. 21-19]
Arms Sales Notification
AGENCY: Defense Security Cooperation Agency, Department of Defense
(DoD).
ACTION: Arms sales notice.
-----------------------------------------------------------------------
SUMMARY: The DoD is publishing the unclassified text of an arms sales
notification.
[[Page 105020]]
FOR FURTHER INFORMATION CONTACT: Pamela Young at (703) 953-6092,
[email protected], or [email protected].
SUPPLEMENTARY INFORMATION: This 36(b)(1) arms sales notification is
published to fulfill the requirements of section 155 of Public Law 104-
164 dated July 21, 1996. The following is a copy of a letter to the
Speaker of the House of Representatives with attached Transmittal 21-19
and Policy Justification.
Dated: December 17, 2024.
Stephanie J. Bost,
Alternate OSD Federal Register Liaison Officer, Department of Defense.
BILLING CODE 6001-FR-P
[GRAPHIC] [TIFF OMITTED] TN26DE24.000
BILLING CODE 6001-FR-C
Transmittal No. 21-19
Notice of Proposed Issuance of Letter of Offer Pursuant to Section
36(b)(1) of the Arms Export Control Act, as amended
(i) Prospective Purchaser: Kingdom of Saudi Arabia
(ii) Total Estimated Value:
Major Defense Equipment *............... $0 billion,
Other................................... $1 billion,
-------------------------------
Total................................. $1 billion.
Funding Source: National Funds
[[Page 105021]]
(iii) Description and Quantity or Quantities of Articles or
Services under Consideration for Purchase:
Major Defense Equipment (MDE):
None
Non-MDE:
Continuation of a blanket order training program inside and outside
of the Kingdom of Saudi Arabia that includes, but is not limited to,
flight training; technical training; professional military education;
specialized training; Mobile Training Teams (MTTs); Technical
Assistance Field Team (TAFT); Extended Training Service Specialists
(ETSS); and English language training. These blanket order training
cases will cover all relevant types of training offered by or
contracted through the United States (U.S.) Air Force or Department of
Defense (DoD) Agencies. This training for the Royal Saudi Air Force
(RSAF) and other Saudi forces will include such subjects as civilian
casualty avoidance; the laws of armed conflicts; human rights; command
and control; and targeting via MTTs and/or broader Programs of
Instruction (POIs). Program management; trainers, simulators; travel;
billeting; and medical support may also be included.
(iv) Military Department: Air Force (SR-D-THP)
(v) Prior Related Cases, if any: SR-D-THI, SR-D-THJ, SR-D-THK, SR-
D-THL, SR-D-THM, SR-D-THN, SR-D-THO
(vi) Sales Commission, Fee, etc., Paid, Offered, or Agreed to be
Paid: None
(vii) Sensitivity of Technology Contained in the Defense Article or
Defense Services Proposed to be Sold: None
(viii) Date Report Delivered to Congress: December 22, 2023
* As defined in Section 47(6) of the Arms Export Control Act.
POLICY JUSTIFICATION
Saudi Arabia--Blanket Order Training
The Kingdom of Saudi Arabia has requested a continuation of a
blanket order training program inside and outside of the Kingdom of
Saudi Arabia that includes, but is not limited to, flight training;
technical training; professional military education; specialized
training; Mobile Training Teams (MTTs); Technical Assistance Field Team
(TAFT); Extended Training Service Specialists (ETSS); and English
language training. These blanket order training cases will cover all
relevant types of training offered by or contracted through the U.S.
Air Force or DoD. This training for the Royal Saudi Air Force (RSAF)
and other Saudi forces will include such subjects as civilian casualty
avoidance; the laws of armed conflicts; human rights; command and
control; and targeting via MTTs and/or broader Programs of Instruction
(POIs). Program management; trainers, simulators; travel; billeting;
and medical support may also be included. The estimated total cost is
$1 billion.
This proposed sale will support the foreign policy goals and
national security objectives of the U.S. by improving the security of a
friendly country that is a force for political stability and economic
progress in the Middle East.
The proposed sale will improve Saudi Arabia's capability to meet
current and future threats and increase its interoperability with the
U.S. through comprehensive U.S. Air Force training. The training will
assist Saudi Arabia by fostering a climate of security in the region
through the improved proficiency of the RSAF. Saudi Arabia will have no
difficulty absorbing this training into its armed forces.
The proposed sale of this equipment and support will not alter the
basic military balance in the region.
There is no principal contractor for the proposed sale. Training
will be provided by U.S. Government or contract vendors based upon
requirements as they are determined. There are no known offset
agreements proposed in connection with this potential sale.
Implementation of this proposed sale will require the temporary or
continuation of assignment of approximately three hundred thirty-nine
(339) U.S. Government or contractor training personnel to Saudi Arabia
for at least one year with a possibility of extension.
There will be no adverse impact on U.S. defense readiness as a
result of this proposed sale.
[FR Doc. 2024-30631 Filed 12-23-24; 8:45 am]
BILLING CODE 6001-FR-P