Commodity Credit Corporation 2014 – Federal Register Recent Federal Regulation Documents

Federal Awarding Agency Regulatory Implementation of Office of Management and Budget's Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards
Document Number: 2014-28697
Type: Rule
Date: 2014-12-19
Agency: Agency for International Development, Agencies and Commissions, Department of the Interior, Department of Justice, Department of Labor, National Aeronautics and Space Administration, National Archives and Records Administration, National Science Foundation, Small Business Administration, Social Security Administration, Department of State, Department of Transportation, Department of Treasury, Department of Veterans Affairs, National Institute of Food and Agriculture, National Endowment for the Arts, Office of the Chief Financial Officer, National Endowment for the Humanities, Institute of Museum and Library Services, Department of Housing and Urban Development, Department of Homeland Security, Department of Agriculture, Commodity Credit Corporation, Farm Service Agency, Rural Business-Cooperative Service, Rural Housing Service, Rural Utilities Service, Department of Commerce, Corporation for National and Community Service, Department of Defense, Department of Education, Department of Energy, Environmental Protection Agency, Executive Office of the President, Management and Budget Office, National Drug Control Policy Office, Federal Emergency Management Agency, Department of Health and Human Services
This joint interim final rule implements for all Federal award-making agencies the final guidance Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards (Uniform Guidance) published by the Office of Management and Budget (OMB) on December 26, 2013. This rule is necessary in order to incorporate into regulation and thus bring into effect the Uniform Guidance as required by OMB. Implementation of this guidance will reduce administrative burden and risk of waste, fraud, and abuse for the approximately $600 billion per year awarded in Federal financial assistance. The result will be more Federal dollars reprogrammed to support the mission, new entities able to compete and win awards, and ultimately a stronger framework to provide key services to American citizens and support the basic research that underpins the United States economy.
Noninsured Crop Disaster Assistance Program
Document Number: 2014-29082
Type: Rule
Date: 2014-12-15
Agency: Department of Agriculture, Commodity Credit Corporation, Farm Service Agency
This rule implements changes to the Noninsured Crop Disaster Assistance Program (NAP) as required by the Agricultural Act of 2014 (the 2014 Farm Bill), including changes to eligible crops, provisions governing eligibility of native sod acreage, additional coverage levels, and waivers of service fees and premium reductions for beginning, limited resource, and socially disadvantaged producers. This rule also clarifies requirements for eligible types and causes of loss and expands coverage for eligible mollusk and other aquaculture losses. This rule clarifies that the Farm Service Agency (FSA) may set separate market prices for organic crops and for direct to consumer sales. The changes are relatively minor and do not change the core purpose of NAP, which is to provide financial assistance to producers of non-insurable crops when low yield, loss of inventory, or prevented planting occurs due to a natural disaster.
Environmental Quality Incentives Program (EQIP)
Document Number: 2014-28941
Type: Rule
Date: 2014-12-12
Agency: Department of Agriculture, Commodity Credit Corporation
This interim rule with request for comment amends the existing Environmental Quality Incentives Program (EQIP) regulation to incorporate programmatic changes as authorized by amendments in the Agricultural Act of 2014 (2014 Act).
Clarification of Bales Made Available for Shipment by CCC-Approved Warehouses
Document Number: 2014-28180
Type: Rule
Date: 2014-12-01
Agency: Department of Agriculture, Commodity Credit Corporation
This rule amends the regulations that specify the requirements for the Commodity Credit Corporation (CCC)-approved warehouses storing cotton, which are administered by the Farm Service Agency (FSA). FSA is changing the definition of Bales Made Available for Shipment (BMAS). CCC-approved cotton warehouses are currently required to report BMAS, among other data, to FSA every week. FSA is clarifying that bales made available, but not picked up by the shipper, can only be reported by the warehouse operator as BMAS for no longer than the first 2 weeks that such bales have been made available for delivery but have not yet been picked up. This rule change includes whether bales not picked up are reported by the warehouse operator to FSA in the weekly report; it does not change any warehouse tariffs, late fees, or restocking fees. The quality of reported information about bales made available for shipment will improve, which will benefit both FSA and the cotton industry.
CCC Export Credit Guarantee (GSM-102) Program and Facility Guarantee Program (FGP)
Document Number: 2014-27129
Type: Rule
Date: 2014-11-18
Agency: Department of Agriculture, Commodity Credit Corporation
This final rule amends the regulations that administer the Export Credit Guarantee (GSM-102) Program and eliminates provisions for the Intermediate Export Credit Guarantee (GSM-103) Program, consistent with the repeal of authority to operate this program in the Food, Conservation, and Energy Act of 2008 (2008 Act). This final rule incorporates program operational changes and information from press releases and notices to participants that have been implemented since the publication of the current rule, and include other administrative revisions to enhance clarity and program integrity. It also incorporates certain comments received in response to proposed rules issued on July 27, 2011, and December 27, 2013. These changes should increase program availability to all program participants and enhance access and encourage sales for smaller U.S. exporters. Changes are also intended to improve CCC's financial management of the program.
Conservation Stewardship Program (CSP) Interim Rule
Document Number: 2014-26295
Type: Rule
Date: 2014-11-05
Agency: Department of Agriculture, Commodity Credit Corporation, Natural Resources Conservation Service
This interim rule with request for comment amends the existing Natural Resources Conservation Service (NRCS) regulation for the Conservation Stewardship Program (CSP) to incorporate programmatic changes as authorized by amendments in the Agricultural Act of 2014 (2014 Act).
Margin Protection Program for Dairy and Dairy Product Donation Program
Document Number: 2014-25422
Type: Rule
Date: 2014-10-30
Agency: Department of Agriculture, Commodity Credit Corporation
The Commodity Credit Corporation (CCC) and the Farm Service Agency (FSA) published a final rule on August 29, 2014, implementing regulations for the Margin Protection Program for Dairy (MPP-Dairy) and the Dairy Product Donation Program (DPDP) as authorized in subtitle D of the Agricultural Act of 2014 (the 2014 Farm Bill). We are extending the comment period for the final rule to give the public more time to provide input and recommendations on the final rule. The original 60- day comment period, which will close on October 28, 2014, is being extended by 45 days from the date of publication of this document.
Information Collection; Noninsured Crop Disaster Assistance Program
Document Number: 2014-24535
Type: Notice
Date: 2014-10-15
Agency: Department of Agriculture, Commodity Credit Corporation, Farm Service Agency
In accordance with the Paperwork Reduction Act of 1995, the Farm Service Agency and the Commodity Credit Corporation are requesting comments from all interested individuals and organizations on a revision of a currently approved information collection in support of the Noninsured Crop Disaster Assistance Program (NAP). The information collected is needed from producers to determine eligibility for NAP assistance.
Agriculture Risk Coverage and Price Loss Coverage Programs
Document Number: 2014-22879
Type: Rule
Date: 2014-09-26
Agency: Department of Agriculture, Commodity Credit Corporation, Farm Service Agency
This rule implements the new Agriculture Risk Coverage (ARC) and Price Loss Coverage (PLC) Programs authorized by the Agricultural Act of 2014 (the 2014 Farm Bill). It also includes conforming changes to certain Farm Service Agency (FSA) regulations that apply to multiple programs. ARC and PLC provide producers a choice between a program that provides counter-cyclical type of payment supportPLC, and a revenue support type of programARC. During a defined election period, current producers can elect different programs for different covered commodities on a farm, for example, choosing PLC for corn and ARC county option for soybeans on the same farm. ARC offers the additional choice of a revenue guarantee based on average revenue for a county or on actual historical revenue for an individual farm. If a producer elects ARC individual coverage based on historical revenue for that specific farm, however, all the farm's covered commodities are elected with that option, with no option for PLC on that farm. This rule specifies the eligibility requirements, enrollment procedures, and payment calculations for ARC and PLC.
Environmental Policies and Procedures; Compliance with the National Environmental Policy Act and Related Authorities
Document Number: 2014-20836
Type: Proposed Rule
Date: 2014-09-03
Agency: Department of Agriculture, Commodity Credit Corporation, Farm Service Agency
The Farm Service Agency (FSA) proposes to consolidate, update, and amend its regulations implementing the National Environmental Policy Act of 1969, as amended (NEPA). FSA's NEPA regulations have been in place since 1980. Significant changes to the structure of FSA and the scope of FSA's programs require changes in FSA's NEPA regulations. The proposed changes would also better align FSA's NEPA regulations with the President's Council on Environmental Quality (CEQ) NEPA regulations and guidance and meet the FSA responsibilities for periodic review of their categorical exclusions. One component of the changes proposed to improve the clarity and consistency of the regulations, is the proposed additions to the existing list of categorical exclusions (CatExs). CatExs involve actions that typically do not result in individual or cumulative significant environmental effects or impacts and therefore do not merit further environmental review in an Environmental Assessment (EA) or Environmental Impact Statement (EIS). This proposed rule would also propose to expand and clarify the list of actions that require an EA. In addition, this rule proposes conforming changes to existing references to FSA NEPA regulations in other current USDA regulations. The revisions to the FSA NEPA implementing regulations are intended to improve transparency and clarity of the FSA NEPA process for FSA program participants and to provide for a more efficient environmental review that will lead to better decisions and outcomes for stakeholders and the environment.
Margin Protection Program for Dairy and Dairy Product Donation Program
Document Number: 2014-20567
Type: Rule
Date: 2014-08-29
Agency: Department of Agriculture, Commodity Credit Corporation
This rule implements regulations for the Margin Protection Program for Dairy (MPP-Dairy) and the Dairy Product Donation Program (DPDP) as authorized in subtitle D of the Agricultural Act of 2014 (the 2014 Farm Bill). MPP-Dairy provides dairy producers with risk management coverage that will pay producers when the difference between the price of milk and the cost of feed (the margin) falls below a certain level. MPP-Dairy provides basic catastrophic level coverage for an administrative fee, and greater coverage for a premium in addition to the administrative fee. Amounts of coverage and premiums vary based on producer selections. This rule specifies the eligibility requirements and payment formulas for MPP-Dairy. Under the related DPDP, which is a complimentary program designed to support producer margins by increasing the price of milk, the U.S. Department of Agriculture (USDA) will buy dairy products when the margin falls below a certain level, and will distribute those products to individuals in low-income groups through public and private non-profit organizations. The Farm Service Agency (FSA) will operate both programs using funds of the Commodity Credit Corporation (CCC). The USDA Food and Nutrition Service (FNS) will assist in the distribution of the dairy products under DPDP.
Cotton Transition Assistance Program and General Provisions for Agriculture Risk Coverage and Price Loss Coverage Programs
Document Number: 2014-18719
Type: Rule
Date: 2014-08-08
Agency: Department of Agriculture, Commodity Credit Corporation
This rule implements the new Cotton Transition Assistance Program (CTAP) authorized by the Agricultural Act of 2014 (the 2014 Farm Bill). It also includes general provisions needed to implement CTAP, the Agriculture Risk Coverage (ARC), and Price Loss Coverage (PLC) Programs. ARC and PLC will be implemented through a separate rulemaking and will provide benefits for other commodities. CTAP is a temporary program that provides payments to producers on farms for which cotton base acres were in existence as of September 30, 2013, as adjusted. It will operate for only the 2014 crop year and in certain counties for the 2015 crop year, and is intended to be a transition for producers on farms with upland cotton base acres that were in existence as of September 30, 2013, between the previous Direct and Counter- cyclical Payments Program (DCP) and the new Stacked Income Protection Plan (STAX), which is authorized to begin no later than the 2015 crop year.
Changes to Existing Conservation Program Regulations
Document Number: 2014-17993
Type: Rule
Date: 2014-08-01
Agency: Department of Agriculture, Commodity Credit Corporation, Natural Resources Conservation Service
The Agricultural Act of 2014 (the 2014 Act) made several, nondiscretionary changes to the Natural Resources Conservation Service (NRCS) conservation programs. These conservation programs have existing regulations that require adjustments, including addressing the required review of operating procedures of the State Technical Committee, adding reference of the Regional Conservation Partnership Program (RCPP) to the Watershed Protection and Flood Prevention Act program regulations, adding reference of the RCPP to, and expanding the definition of, ``acreage owned by Indian Tribes'' under the Healthy Forests Reserve Program (HFRP), revising and simplifying the Regional Equity provision, and adjusting the Agricultural Management Assistance (AMA) program to correspond with changes to payment provisions under the Environmental Quality Incentives Program (EQIP). Additionally, the Secretary of Agriculture has delegated to NRCS administrative responsibility for implementation of the Voluntary Public Access and Habitat Incentive Program (VPA-HIP) and internal NRCS administrative changes warrant updating the appropriate delegated official in the technical service provider (TSP) provision. This interim rule, with request for comments, implements changes to these NRCS conservation program regulations that are either necessitated by enactment of the 2014 Act or are required to implement administrative streamlining improvements and clarifications.
Notice of Availability of Draft Supplemental Programmatic Environmental Impact Statement for the Conservation Reserve Program
Document Number: 2014-16711
Type: Notice
Date: 2014-07-15
Agency: Department of Agriculture, Commodity Credit Corporation, Farm Service Agency
This notice announces that the Farm Service Agency (FSA), on behalf of the Commodity Credit Corporation (CCC), completed a Draft Supplemental Programmatic Environmental Impact Statement (Draft SPEIS) to examine the potential environmental consequences associated with implementing changes to the Conservation Reserve Program (CRP) specified in the Agricultural Act of 2014 (the 2014 Farm Bill), and assist in developing new regulations. FSA is requesting comments on the Draft SPEIS.
Notice of Request for Extension of Currently Approved Information Collection
Document Number: 2014-15591
Type: Notice
Date: 2014-07-03
Agency: Department of Agriculture, Commodity Credit Corporation
In accordance with the Paperwork Reduction Act of 1995, this notice announces the Commodity Credit Corporation's (CCC) intention to request an extension from the Office of Management and Budget (OMB) for a currently approved information collection process in support of the Technical Assistance for Specialty Crops (TASC) program.
Notice of Funds Availability (NOFA) for the Biomass Crop Assistance Program
Document Number: 2014-13617
Type: Notice
Date: 2014-06-11
Agency: Department of Agriculture, Commodity Credit Corporation
The Farm Service Agency (FSA) is announcing the availability of $12.5 million in matching payments under the Biomass Crop Assistance Program (BCAP) for the collection, harvest, storage, and transport of eligible materials to qualified Biomass Conversion Facilities (BCFs) in fiscal year (FY) 2014. This notice confirms the requirements for BCFs to apply for qualification, and for eligible material owners to apply for BCAP matching payments.
Information Collection; Representation for CCC and FSA Loan and Authorization To File a Financing Statement
Document Number: 2014-13355
Type: Notice
Date: 2014-06-09
Agency: Department of Agriculture, Commodity Credit Corporation, Farm Service Agency
In accordance with the Paperwork Reduction Act of 1995, the Commodity Credit Corporation (CCC) and the Farm Service Agency (FSA) are requesting comments from all interested individuals and organizations on an extension with a revision of a currently approved information collection. The form CCC-10, entitled ``Representations for Commodity Credit Corporation or Farm Service Agency Loans and Authorization To File a Financing Statement and Related Documents'' is used for CCC and FSA loan programs. The information collection is necessary to gather data regarding the applicant that is required on a financing statement, and to obtain the applicant's permission to file a financing statement prior to the execution of a security agreement.
Continuation of Conservation Reserve Program, Including Transition Incentives Program
Document Number: 2014-13085
Type: Rule
Date: 2014-06-05
Agency: Department of Agriculture, Commodity Credit Corporation
The Agricultural Act of 2014 (the 2014 Farm Bill) extends the authorization of the Conservation Reserve Program (CRP), a Commodity Credit Corporation (CCC) program administered by the Farm Service Agency (FSA), through September 30, 2018. This document announces to producers the continuation of CRP Continuous sign-up, with revised cropping history requirements as specified in the 2014 Farm Bill. This document also announces the opportunity for producers of certain CRP contracts to terminate the contract early (referred to as ``early- outs''). The 2014 Farm Bill also continues, with modifications, the CRP Transition Incentives Program (TIP). In this document FSA also announces an opportunity for participants to extend eligible CRP contracts currently scheduled to expire on September 30, 2014, for one additional year. CRP, including TIP, will continue to be implemented under the existing regulations, except as specified in this document; this document will be followed by amendments to the applicable regulations to implement changes required by the 2014 Farm Bill after the completion of the appropriate National Environmental Policy Act (NEPA) analysis.
Notice of Request for Revision of a Currently Approved Information Collection
Document Number: 2014-11680
Type: Notice
Date: 2014-05-20
Agency: Department of Agriculture, Commodity Credit Corporation, Natural Resources Conservation Service
In accordance with the Paperwork Reduction Act of 1995 (44 U.S.C. Chapter 35), this notice announces NRCS' intention to request an extension for, and a revision to, a currently approved information collection for Long-Term Contracting.
Technical Assistance for Specialty Crops
Document Number: 2014-10375
Type: Rule
Date: 2014-05-06
Agency: Department of Agriculture, Commodity Credit Corporation
This final rule amends an existing provision in the regulations for the Technical Assistance for Specialty Crops Program (TASC). Section 3205 of the Agricultural Act of 2014 enacted on February 7, 2014, amended the existing TASC statute by striking ``related barriers to trade'' and inserting ``technical barriers to trade''. This rule makes the corresponding change to the TASC regulations.
Notice of Funds Availability: Inviting Applications for the Foreign Market Development Cooperator Program
Document Number: 2014-08628
Type: Notice
Date: 2014-04-17
Agency: Department of Agriculture, Commodity Credit Corporation
The Commodity Credit Corporation (CCC) announces that it is inviting proposals for the 2015 Foreign Market Development Cooperator (Cooperator) program. The intended effect of this notice is to solicit applications from eligible applicants for fiscal year 2015 and to set out criteria for the award of funds under the program in October 2014. The Cooperator program is administered by personnel of the Foreign Agricultural Service (FAS).
Notice of Funds Availability: Inviting Applications for the Technical Assistance for Specialty Crops Program
Document Number: 2014-08626
Type: Notice
Date: 2014-04-17
Agency: Department of Agriculture, Commodity Credit Corporation
The Commodity Credit Corporation (CCC) announces that it is inviting proposals for the 2015 Technical Assistance for Specialty Crops (TASC) program. The intended effect of this notice is to solicit applications from the private sector and from government agencies for fiscal year 2015 and to set out criteria for the award of funds in October 2014. The TASC program is administered by personnel of the Foreign Agricultural Service (FAS).
Notice of Funds Availability: Inviting Applications for the Emerging Markets Program
Document Number: 2014-08623
Type: Notice
Date: 2014-04-17
Agency: Department of Agriculture, Commodity Credit Corporation
The Commodity Credit Corporation (CCC) announces that it is inviting proposals for the 2015 Emerging Markets Program (EMP). The intended effect of this notice is to solicit applications from the private sector and from government agencies for fiscal year 2015 and to set out criteria for the award of funds under the program in October 2014. The EMP is administered by personnel of the Foreign Agricultural Service (FAS).
Notice of Funds Availability: Inviting Applications for the Quality Samples Program
Document Number: 2014-08622
Type: Notice
Date: 2014-04-16
Agency: Department of Agriculture, Commodity Credit Corporation
The Commodity Credit Corporation (CCC) announces it is inviting proposals for the 2015 Quality Samples Program (QSP). The intended effect of this notice is to solicit applications from eligible applicants for fiscal year 2015 and to set out the criteria for the award of funds under the program in October 2014. QSP is administered by personnel of the Foreign Agricultural Service (FAS).
Notice of Funds Availability: Inviting Applications for the Market Access Program
Document Number: 2014-08621
Type: Notice
Date: 2014-04-16
Agency: Department of Agriculture, Commodity Credit Corporation
The Commodity Credit Corporation (CCC) announces that it is inviting proposals for the 2015 Market Access Program (MAP). The intended effect of this notice is to solicit applications from eligible applicants for fiscal year 2015 and to set out criteria for the award of funds under the program in October 2014. The MAP is administered by personnel of the Foreign Agricultural Service (FAS).
Supplemental Agricultural Disaster Assistance Programs, Payment Limitations, and Payment Eligibility
Document Number: 2014-08067
Type: Rule
Date: 2014-04-14
Agency: Department of Agriculture, Commodity Credit Corporation
This rule implements specific requirements for the Emergency Assistance for Livestock, Honeybees, and Farm-Raised Fish Program (ELAP), Livestock Forage Disaster Program (LFP), Livestock Indemnity Program (LIP), Tree Assistance Program (TAP), and general provisions for Supplemental Agricultural Disaster Assistance Programs authorized by the Agricultural Act of 2014 (2014 Farm Bill). Although there were similar disaster programs under the 2008 Farm Bill, the authority for those programs has expired. The 2014 Farm Bill reauthorizes these programs and they are similar to the 2008 programs, however, there are distinct changes in payment limits, eligible losses, and eligible causes of loss from prior programs. Eligible ELAP, LFP, LIP, and TAP losses must have occurred on or after October 1, 2011 to be eligible for payment. This rule specifies how ELAP, LFP, LIP, and TAP payments are calculated, what losses are eligible, and when producers may apply for payments. Additionally, this final rule implements changes required by the 2014 Farm Bill by amending the regulations that specify maximum income limits (payment eligibility) and maximum benefit amounts (payment limits) for participants in programs funded by the Commodity Credit Corporation (CCC) and some FSA programs. The intended effect of the eligibility requirements is to ensure that program payments and benefits are issued only to those persons and legal entities that meet the income eligibility requirements as specified in the 2014 Farm Bill, and that program participants do not receive any program payments above the maximum allowable payment amount. The payment limits and average Adjusted Gross Income (AGI) limits in this final rule apply to 2014 and subsequent crop, program, or fiscal year benefits, and to benefits for programs that were authorized by the 2014 Farm Bill for retroactive 2012 or 2013 crop, program, or fiscal year benefits.
Tobacco Transition Program Assessments; Final Appeals and Revisions Procedures
Document Number: 2014-07979
Type: Rule
Date: 2014-04-09
Agency: Department of Agriculture, Commodity Credit Corporation
The Commodity Credit Corporation (CCC) is amending the regulations for the Tobacco Transition Program (TTP) to clarify the final administrative actions required for the orderly close-out of the program. Through the Tobacco Transition Payment Program (TTPP), which is part of the TTP, eligible former tobacco quota holders and producers of quota tobacco receive payments from funds that CCC collects through quarterly assessments on domestic manufacturers and importers of tobacco products as required by the Fair and Equitable Tobacco Reform Act of 2004 (FETRA). This rule clarifies final dates and deadlines for the assessments and related program actions, including when CCC will make any final revisions to the quarterly assessments, when documentation is required for administrative appeals filed after FY 2014, when final appeals may be filed, and when CCC decisions on final appeals will take place.
Continuation of Certain Benefit and Loan Programs, Acreage Reporting, Average Adjusted Gross Income, and Payment Limit
Document Number: 2014-06991
Type: Rule
Date: 2014-03-28
Agency: Department of Agriculture, Commodity Credit Corporation
The Agricultural Act of 2014 (referred to as the 2014 Farm Bill) extends the authorization, with some changes, of many Farm Service Agency (FSA) programs and Commodity Credit Corporation (CCC) programs administered by FSA. This document announces to producers the continuation of the following programs and notes specific changes as mandated by the 2014 Farm Bill: The 2014 crop Marketing Assistance Loans (MAL), Loan Deficiency Payments (LDP), Noninsured Crop Disaster Assistance Program (NAP), Sugar Program, Milk Income Loss Contract Program (MILC), and Dairy Indemnity Payment Program (DIPP). The 2014 Farm Bill also continues, with modifications, the Adjusted Gross Income (AGI) eligibility provisions and payment limits that apply to many FSA and CCC programs. As specified in the 2014 Farm Bill, producers must submit annual acreage reports of all cropland on a farm to qualify for MAL and LDP benefits, and most commodity programs. All of the programs listed above will be continued under existing regulations, except as specified in this document. This document will be followed by amendments to the applicable regulations to implement changes required by the 2014 Farm Bill.
Farm Storage Facility Loan Program, Security Requirements
Document Number: 2014-05101
Type: Rule
Date: 2014-03-10
Agency: Department of Agriculture, Commodity Credit Corporation
The Commodity Credit Corporation (CCC) is amending the Farm Storage Facility Loan (FSFL) Program regulations to increase the loan amount, for which additional security or a severance agreement is required, from $50,000 to $100,000. We are making a related change for loans secured with collateral that does not have any resale value. The purpose of these amendments is to make the loan process easier for borrowers, especially producers who may not have additional security, but are unlikely to default on a relatively small loan. Raising the threshold for which additional security is required from $50,000 to $100,000 should help more small producers qualify for a loan between $50,000 and $100,000, and will likely reduce their cost to qualify for such a loan.
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