Federal Register Recent Federal Regulation Documents - Justia Regulation Tracker - Justia Regulations Trackerhttps://regulations.justia.com/regulations/fedreg/agencies/bureau-of-consumer-financial-protection/2014?limit=200®isters=between&min-day=1&min-month=1&max-day=31&max-month=12&mode=atom2024-04-25T06:48:10-07:00Justia Inchttps://www.justia.com/Justia Regulations Trackerhttps://regulations.justia.com/images/justiafedregulations.gifCopyright 2011 Justia Inchttps://regulations.justia.com/regulations/fedreg/2014/12/31/2014-30720.htmlNotice - Privacy Act of 1974, as Amended2014-12-31T00:00:00-08:002014-12-31T00:00:00-08:002014-30720Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-31/pdf/2014-30720.pdfhttps://regulations.justia.com/regulations/fedreg/2014/12/31/2014-30655.htmlNotice - Privacy Act of 1974, as Amended2014-12-31T00:00:00-08:002014-12-31T00:00:00-08:002014-30655Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-31/pdf/2014-30655.pdfhttps://regulations.justia.com/regulations/fedreg/2014/12/30/2014-30419.htmlRule - Appraisals for Higher-Priced Mortgage Loans Exemption Threshold Adjustment-Final Rule2014-12-30T00:00:00-08:002014-12-30T00:00:00-08:002014-30419Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-30/pdf/2014-30419.pdfhttps://regulations.justia.com/regulations/fedreg/2014/12/29/2014-30411.htmlNotice - Agency Information Collection Activities: Comment Request2014-12-29T00:00:00-08:002014-12-29T00:00:00-08:002014-30411Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-29/pdf/2014-30411.pdfhttps://regulations.justia.com/regulations/fedreg/2014/12/29/2014-30410.htmlNotice - Agency Information Collection Activities: Comment Request2014-12-29T00:00:00-08:002014-12-29T00:00:00-08:002014-30410Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-29/pdf/2014-30410.pdfhttps://regulations.justia.com/regulations/fedreg/2014/12/29/2014-30407.htmlNotice - Agency Information Collection Activities: Submission for OMB Review; Comment Request2014-12-29T00:00:00-08:002014-12-29T00:00:00-08:002014-30407Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-29/pdf/2014-30407.pdfhttps://regulations.justia.com/regulations/fedreg/2014/12/29/2014-30405.htmlRule - Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold2014-12-29T00:00:00-08:002014-12-29T00:00:00-08:002014-30405Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-29/pdf/2014-30405.pdfhttps://regulations.justia.com/regulations/fedreg/2014/12/29/2014-30404.htmlRule - Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold2014-12-29T00:00:00-08:002014-12-29T00:00:00-08:002014-30404Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-29/pdf/2014-30404.pdfhttps://regulations.justia.com/regulations/fedreg/2014/12/15/2014-29215.htmlNotice - Fair Credit Reporting Act Disclosures2014-12-15T00:00:00-08:002014-12-15T00:00:00-08:002014-29215Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-15/pdf/2014-29215.pdfhttps://regulations.justia.com/regulations/fedreg/2014/12/15/2014-28167.htmlProposed Rule - Amendments to the 2013 Mortgage Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)2014-12-15T00:00:00-08:002014-12-15T00:00:00-08:002014-28167Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-15/pdf/2014-28167.pdfhttps://regulations.justia.com/regulations/fedreg/2014/12/04/2014-28511.htmlNotice - Agency Information Collection Activities: Comment Request2014-12-04T00:00:00-08:002014-12-04T00:00:00-08:002014-28511Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-12-04/pdf/2014-28511.pdfhttps://regulations.justia.com/regulations/fedreg/2014/11/13/2014-26834.htmlNotice - Agency Information Collection Activities: Comment Request2014-11-13T00:00:00-08:002014-11-13T00:00:00-08:002014-26834Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-11-13/pdf/2014-26834.pdfhttps://regulations.justia.com/regulations/fedreg/2014/11/10/2014-26614.htmlNotice - Agency Information Collection Activities: Submission for OMB Review; Comment Request2014-11-10T00:00:00-08:002014-11-10T00:00:00-08:002014-26614Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-11-10/pdf/2014-26614.pdfhttps://regulations.justia.com/regulations/fedreg/2014/11/03/2014-25503.htmlRule - Amendments to the 2013 Mortgage Rules Under the Truth in Lending Act (Regulation Z)2014-11-03T00:00:00-08:002014-11-03T00:00:00-08:002014-25503Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-11-03/pdf/2014-25503.pdfhttps://regulations.justia.com/regulations/fedreg/2014/10/29/2014-24739.htmlProposed Rule - Amendments to the 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and Truth In Lending Act (Regulation Z) and the 2013 Loan Originator Rule Under the Truth in Lending Act (Regulation Z)2014-10-29T00:00:00-07:002014-10-29T00:00:00-07:002014-24739Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-10-29/pdf/2014-24739.pdfhttps://regulations.justia.com/regulations/fedreg/2014/10/28/2014-25299.htmlRule - Amendment to the Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act (Regulation P)2014-10-28T00:00:00-07:002014-10-28T00:00:00-07:002014-25299Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-10-28/pdf/2014-25299.pdfhttps://regulations.justia.com/regulations/fedreg/2014/10/23/2014-24194.htmlRule - Compliance Bulletin and Policy Guidance-Mortgage Servicing Transfers2014-10-23T00:00:00-07:002014-10-23T00:00:00-07:002014-24194Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-10-23/pdf/2014-24194.pdfhttps://regulations.justia.com/regulations/fedreg/2014/10/17/2014-24738.htmlNotice - Agency Information Collection Activities: Comment Request2014-10-17T00:00:00-07:002014-10-17T00:00:00-07:002014-24738Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-10-17/pdf/2014-24738.pdfhttps://regulations.justia.com/regulations/fedreg/2014/10/17/2014-24735.htmlNotice - Agency Information Collection Activities: Comment Request2014-10-17T00:00:00-07:002014-10-17T00:00:00-07:002014-24735Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-10-17/pdf/2014-24735.pdfhttps://regulations.justia.com/regulations/fedreg/2014/10/16/2014-24645.htmlNotice - Policy On No-Action Letters2014-10-16T00:00:00-07:002014-10-16T00:00:00-07:002014-24645Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-10-16/pdf/2014-24645.pdfhttps://regulations.justia.com/regulations/fedreg/2014/10/08/2014-24122.htmlNotice - Proposed Language Access Plan for the Consumer Financial Protection Bureau2014-10-08T00:00:00-07:002014-10-08T00:00:00-07:002014-24122Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-10-08/pdf/2014-24122.pdfhttps://regulations.justia.com/regulations/fedreg/2014/10/08/2014-23115.htmlProposed Rule - Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service2014-10-08T00:00:00-07:002014-10-08T00:00:00-07:002014-23115Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-10-08/pdf/2014-23115.pdfhttps://regulations.justia.com/regulations/fedreg/2014/09/26/2014-23017.htmlNotice - Agency Information Collection Activities: Comment Request2014-09-26T00:00:00-07:002014-09-26T00:00:00-07:002014-23017Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-09-26/pdf/2014-23017.pdfhttps://regulations.justia.com/regulations/fedreg/2014/09/23/2014-22310.htmlRule - Defining Larger Participants of the International Money Transfer Market2014-09-23T00:00:00-07:002014-09-23T00:00:00-07:002014-22310Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-09-23/pdf/2014-22310.pdfhttps://regulations.justia.com/regulations/fedreg/2014/09/22/2014-21849.htmlRule - Truth in Lending (Regulation Z)2014-09-22T00:00:00-07:002014-09-22T00:00:00-07:002014-21849Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-09-22/pdf/2014-21849.pdfhttps://regulations.justia.com/regulations/fedreg/2014/09/22/2014-21847.htmlRule - Consumer Leasing (Regulation M)2014-09-22T00:00:00-07:002014-09-22T00:00:00-07:002014-21847Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-09-22/pdf/2014-21847.pdfhttps://regulations.justia.com/regulations/fedreg/2014/09/18/2014-20681.htmlRule - Electronic Fund Transfers (Regulation E)2014-09-18T00:00:00-07:002014-09-18T00:00:00-07:002014-20681Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-09-18/pdf/2014-20681.pdfhttps://regulations.justia.com/regulations/fedreg/2014/09/09/2014-21425.htmlNotice - Agency Information Collection Activities: Submission for OMB Review; Comment Request2014-09-09T00:00:00-07:002014-09-09T00:00:00-07:002014-21425Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-09-09/pdf/2014-21425.pdfhttps://regulations.justia.com/regulations/fedreg/2014/09/05/2014-21187.htmlNotice - Consumer Advisory Board Meeting2014-09-05T00:00:00-07:002014-09-05T00:00:00-07:002014-21187Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-09-05/pdf/2014-21187.pdfhttps://regulations.justia.com/regulations/fedreg/2014/09/04/2014-21112.htmlNotice - Agency Information Collection Activities: Comment Request2014-09-04T00:00:00-07:002014-09-04T00:00:00-07:002014-21112Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-09-04/pdf/2014-21112.pdfhttps://regulations.justia.com/regulations/fedreg/2014/08/29/2014-18353.htmlProposed Rule - Home Mortgage Disclosure (Regulation C)2014-08-29T00:00:00-07:002014-08-29T00:00:00-07:002014-18353Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-08-29/pdf/2014-18353.pdfhttps://regulations.justia.com/regulations/fedreg/2014/08/20/2014-19736.htmlNotice - Agency Information Collection Activities: Comment Request2014-08-20T00:00:00-07:002014-08-20T00:00:00-07:002014-19736Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-08-20/pdf/2014-19736.pdfhttps://regulations.justia.com/regulations/fedreg/2014/08/15/2014-18838.htmlRule - Truth in Lending (Regulation Z) Annual Threshold Adjustments (CARD ACT, HOEPA and ATR/QM)2014-08-15T00:00:00-07:002014-08-15T00:00:00-07:002014-18838Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-08-15/pdf/2014-18838.pdfhttps://regulations.justia.com/regulations/fedreg/2014/08/04/2014-18355.htmlNotice - Disclosure of Consumer Complaint Narrative Data2014-08-04T00:00:00-07:002014-08-04T00:00:00-07:002014-18355Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-08-04/pdf/2014-18355.pdfhttps://regulations.justia.com/regulations/fedreg/2014/07/23/2014-17274.htmlNotice - Disclosure of Consumer Complaint Narrative Data2014-07-23T00:00:00-07:002014-07-23T00:00:00-07:002014-17274Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-07-23/pdf/2014-17274.pdfhttps://regulations.justia.com/regulations/fedreg/2014/07/23/2014-17272.htmlNotice - Agency Information Collection Activities: Submission for OMB Review; Comment Request2014-07-23T00:00:00-07:002014-07-23T00:00:00-07:002014-17272Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-07-23/pdf/2014-17272.pdfhttps://regulations.justia.com/regulations/fedreg/2014/07/17/2014-16780.htmlRule - Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-in-Interest2014-07-17T00:00:00-07:002014-07-17T00:00:00-07:002014-16780Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-07-17/pdf/2014-16780.pdfhttps://regulations.justia.com/regulations/fedreg/2014/07/17/2014-16779.htmlNotice - Policy Guidance on Supervisory and Enforcement Considerations Relevant to Mortgage Brokers Transitioning to Mini-Correspondent Lenders2014-07-17T00:00:00-07:002014-07-17T00:00:00-07:002014-16779Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-07-17/pdf/2014-16779.pdfhttps://regulations.justia.com/regulations/fedreg/2014/06/18/2014-14228.htmlRule - Rules of Practice for Issuance of Temporary Cease-and-Desist Orders2014-06-18T00:00:00-07:002014-06-18T00:00:00-07:002014-14228Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-06-18/pdf/2014-14228.pdfhttps://regulations.justia.com/regulations/fedreg/2014/06/13/2014-13135.htmlUnknown - Semiannual Regulatory Agenda2014-06-13T00:00:00-07:002014-06-13T00:00:00-07:002014-13135Unknownhttp://www.gpo.gov/fdsys/pkg/FR-2014-06-13/pdf/2014-13135.pdfhttps://regulations.justia.com/regulations/fedreg/2014/06/12/2014-13552.htmlNotice - Request for Information Regarding the Use of Mobile Financial Services by Consumers and Its Potential for Improving the Financial Lives of Economically Vulnerable Consumers2014-06-12T00:00:00-07:002014-06-12T00:00:00-07:002014-13552Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-06-12/pdf/2014-13552.pdfhttps://regulations.justia.com/regulations/fedreg/2014/06/09/2014-13432.htmlNotice - Consumer Advisory Board Meeting2014-06-09T00:00:00-07:002014-06-09T00:00:00-07:002014-13432Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-06-09/pdf/2014-13432.pdfhttps://regulations.justia.com/regulations/fedreg/2014/05/29/2014-12412.htmlNotice - Agency Information Collection Activities: Submission for OMB Review; Comment Request2014-05-29T00:00:00-07:002014-05-29T00:00:00-07:002014-12412Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-05-29/pdf/2014-12412.pdfhttps://regulations.justia.com/regulations/fedreg/2014/05/28/2014-12148.htmlProposed Rule - Amendment to the Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act (Regulation P)2014-05-28T00:00:00-07:002014-05-28T00:00:00-07:002014-12148Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-05-28/pdf/2014-12148.pdfhttps://regulations.justia.com/regulations/fedreg/2014/05/16/2014-11421.htmlProposed Rule - Electronic Fund Transfers (Regulation E)2014-05-16T00:00:00-07:002014-05-16T00:00:00-07:002014-11421Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-05-16/pdf/2014-11421.pdfhttps://regulations.justia.com/regulations/fedreg/2014/05/13/2014-10713.htmlProposed Rule - Amendment to the Annual Privacy Notice Requirement Under the Gramm-Leach-Bliley Act (Regulation P)2014-05-13T00:00:00-07:002014-05-13T00:00:00-07:002014-10713Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-05-13/pdf/2014-10713.pdfhttps://regulations.justia.com/regulations/fedreg/2014/05/06/2014-10207.htmlProposed Rule - Amendments to the 2013 Mortgage Rules Under the Truth in Lending Act (Regulation Z)2014-05-06T00:00:00-07:002014-05-06T00:00:00-07:002014-10207Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-05-06/pdf/2014-10207.pdfhttps://regulations.justia.com/regulations/fedreg/2014/04/25/2014-09036.htmlProposed Rule - Electronic Fund Transfers (Regulation E)2014-04-25T00:00:00-07:002014-04-25T00:00:00-07:002014-09036Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-04-25/pdf/2014-09036.pdfhttps://regulations.justia.com/regulations/fedreg/2014/04/16/2014-08555.htmlNotice - Privacy Act of 1974, as Amended2014-04-16T00:00:00-07:002014-04-16T00:00:00-07:002014-08555Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-04-16/pdf/2014-08555.pdfhttps://regulations.justia.com/regulations/fedreg/2014/04/14/2014-08266.htmlNotice - Agency Information Collection Activities: Comment Request2014-04-14T00:00:00-07:002014-04-14T00:00:00-07:002014-08266Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-04-14/pdf/2014-08266.pdfhttps://regulations.justia.com/regulations/fedreg/2014/04/09/2014-06860.htmlProposed Rule - Minimum Requirements for Appraisal Management Companies2014-04-09T00:00:00-07:002014-04-09T00:00:00-07:002014-06860Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-04-09/pdf/2014-06860.pdfhttps://regulations.justia.com/regulations/fedreg/2014/03/24/2014-06299.htmlNotice - Publication of FY 2013 Service Contract Inventory2014-03-24T00:00:00-07:002014-03-24T00:00:00-07:002014-06299Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-03-24/pdf/2014-06299.pdfhttps://regulations.justia.com/regulations/fedreg/2014/03/07/2014-05010.htmlNotice - Agency Information Collection Activities: Comment Request2014-03-07T00:00:00-08:002014-03-07T00:00:00-08:002014-05010Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-03-07/pdf/2014-05010.pdfhttps://regulations.justia.com/regulations/fedreg/2014/03/07/2014-04999.htmlNotice - Consumer Advisory Board and Councils Solicitation of Applications for Membership2014-03-07T00:00:00-08:002014-03-07T00:00:00-08:002014-04999Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-03-07/pdf/2014-04999.pdfhttps://regulations.justia.com/regulations/fedreg/2014/02/19/2014-03527.htmlNotice - Agency Information Collection Activities: Submission for OMB Review; Comment Request2014-02-19T00:00:00-08:002014-02-19T00:00:00-08:002014-03527Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-02-19/pdf/2014-03527.pdfhttps://regulations.justia.com/regulations/fedreg/2014/02/14/2014-03337.htmlNotice - Consumer Advisory Board Meeting2014-02-14T00:00:00-08:002014-02-14T00:00:00-08:002014-03337Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-02-14/pdf/2014-03337.pdfhttps://regulations.justia.com/regulations/fedreg/2014/02/10/2014-02115.htmlRule - Equal Access to Justice Act Implementation Rule2014-02-10T00:00:00-08:002014-02-10T00:00:00-08:002014-02115Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-02-10/pdf/2014-02115.pdfhttps://regulations.justia.com/regulations/fedreg/2014/02/03/2014-02118.htmlNotice - Privacy Act of 1974, as Amended2014-02-03T00:00:00-08:002014-02-03T00:00:00-08:002014-02118Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-02-03/pdf/2014-02118.pdfhttps://regulations.justia.com/regulations/fedreg/2014/02/03/2014-02117.htmlNotice - Privacy Act of 1974, as Amended2014-02-03T00:00:00-08:002014-02-03T00:00:00-08:002014-02117Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-02-03/pdf/2014-02117.pdfhttps://regulations.justia.com/regulations/fedreg/2014/01/31/2014-01606.htmlProposed Rule - Defining Larger Participants of the International Money Transfer Market2014-01-31T00:00:00-08:002014-01-31T00:00:00-08:002014-01606Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-01-31/pdf/2014-01606.pdfhttps://regulations.justia.com/regulations/fedreg/2014/01/29/2014-01607.htmlNotice - Academic Research Council Solicitation of Applications for Membership2014-01-29T00:00:00-08:002014-01-29T00:00:00-08:002014-01607Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-01-29/pdf/2014-01607.pdfhttps://regulations.justia.com/regulations/fedreg/2014/01/21/2014-00945.htmlNotice - Agency Information Collection Activities: Submission for OMB Review; Comment Request2014-01-21T00:00:00-08:002014-01-21T00:00:00-08:002014-00945Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-01-21/pdf/2014-00945.pdfhttps://regulations.justia.com/regulations/fedreg/2014/01/15/2014-00635.htmlNotice - Consumer Advisory Board and Councils Solicitation of Applications for Membership2014-01-15T00:00:00-08:002014-01-15T00:00:00-08:002014-00635Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-01-15/pdf/2014-00635.pdfhttps://regulations.justia.com/regulations/fedreg/2014/01/14/2014-00453.htmlProposed Rule - Debt Collection (Regulation F)2014-01-14T00:00:00-08:002014-01-14T00:00:00-08:002014-00453Proposed Rulehttp://www.gpo.gov/fdsys/pkg/FR-2014-01-14/pdf/2014-00453.pdfhttps://regulations.justia.com/regulations/fedreg/2014/01/10/2014-00272.htmlNotice - Notice of Availability of Certain Revised Consumer Information Publications2014-01-10T00:00:00-08:002014-01-10T00:00:00-08:002014-00272Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-01-10/pdf/2014-00272.pdfhttps://regulations.justia.com/regulations/fedreg/2014/01/03/2013-31436.htmlNotice - Request for Information Regarding the Mortgage Closing Process2014-01-03T00:00:00-08:002014-01-03T00:00:00-08:002013-31436Noticehttp://www.gpo.gov/fdsys/pkg/FR-2014-01-03/pdf/2013-31436.pdf