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Federal Register / Vol. 86, No. 30 / Wednesday, February 17, 2021 / Rules and Regulations statistical area adjacent to a metropolitan statistical area, as those terms are defined by the U.S. Office of Management and Budget; or a census block that is not in an urban area, as defined by the U.S. Census Bureau using the latest decennial census of the United States. An area is considered to be underserved during a calendar year if, according to HMDA data for the preceding calendar year, it is a county in which no more than two creditors extended covered transactions secured by first liens on properties in the county five or more times.
A. The Bureau determines annually which counties in the United States are rural or underserved as defined by 1026.35b2ivA1 or 1026.35b2ivB and publishes on its public website lists of those counties to assist creditors in determining whether they meet the criterion at 1026.35b2iiiA. Creditors may also use an automated tool provided on the Bureaus public website to determine whether specific properties are located in areas that qualify as rural or underserved according to the definitions in 1026.35b2iv for a particular calendar year. In addition, the U.S. Census Bureau may also provide on its public website an automated address search tool that specifically indicates if a property address is located in an urban area for purposes of the Census Bureaus most recent delineation of urban areas. For any calendar year that begins after the date on which the Census Bureau announced its most recent delineation of urban areas, a property is located in an area that qualifies as rural according to the definitions in 1026.35b2iv if the search results provided for the property by any such automated address search tool available on the Census Bureaus public website do not identify the property as being in an urban area.
B. For example, if a creditor extended during 2017 a first-lien covered transaction that is secured by a property that is located in an area that meets the definition of rural or underserved under 1026.35b2iv, the creditor meets this element of the exception for any transaction consummated during 2018.
C. Alternatively, if the creditor did not extend in 2017 a transaction that meets the definition of rural or underserved test under 1026.35b2iv, the creditor satisfies this criterion for any transaction consummated during 2018 for which it received the application before April 1, 2018, if it extended during 2016 a firstlien covered transaction that is secured by a property that is located in an area
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that meets the definition of rural or underserved under 1026.35b2iv.
ii. During the preceding calendar year, or, if the application for the transaction was received before April 1 of the current calendar year, during either of the two preceding calendar years, the creditor together with its affiliates extended no more than 2,000 covered transactions, as defined by 1026.43b1, secured by first liens, that were sold, assigned, or otherwise transferred to another person, or that were subject at the time of consummation to a commitment to be acquired by another person, to satisfy the requirement of 1026.35b2iiiB.
iii. As of the preceding December 31st, or, if the application for the transaction was received before April 1
of the current calendar year, as of either of the two preceding December 31sts, the creditor and its affiliates that regularly extended covered transactions secured by first liens, together, had total assets that do not exceed the applicable asset threshold established by the Bureau, to satisfy the requirement of 1026.35b2iiiC. The Bureau publishes notice of the asset threshold each year by amending comment 35b2iii1.iii.

oxide NOX Reasonably Available Control Technology RACT for the Facilitys electric arc furnace Sayreville EAF to continue to operate under the current New Jersey Department of Environmental Protection NJDEP
approved VOC and NOX emission limits for the Sayreville EAF.
DATES: The final rule is effective on March 19, 2021.
ADDRESSES: The EPA has established a docket for this action under Docket ID
Number EPAR02OAR20190720. All documents in the docket are listed on the http www.regulations.gov website.
Although listed in the index, some information is not publicly available, e.g., Confidential Business Information or other information whose disclosure is restricted by statute. Certain other material, such as copyrighted material, is not placed on the internet and will be publicly available only in hard copy form. Publicly available docket materials are available electronically through http www.regulations.gov.
FOR FURTHER INFORMATION CONTACT:
Linda Longo, Air Programs Branch, Environmental Protection Agency, Region 2 Office, 290 Broadway, 25th Floor, New York, New York 10007
1866, 212 6373565, or by email at longo.linda@epa.gov.
SUPPLEMENTARY INFORMATION:

Dated: January 19, 2021.
Grace Feola, Federal Register Liaison, Bureau of Consumer Financial Protection.

Table of Contents
FR Doc. 202101572 Filed 21621; 8:45 am BILLING CODE 4810AMP

ENVIRONMENTAL PROTECTION
AGENCY
40 CFR Part 52
EPAR02OAR20190720; FRL10017
00Region 2

Approval of Source-Specific Air Quality Implementation Plans; New Jersey Environmental Protection Agency.
ACTION: Final rule.
AGENCY:

The Environmental Protection Agency EPA approves a revision to the State of New Jerseys State Implementation Plan SIP for the ozone National Ambient Air Quality Standard NAAQS related to a source-specific SIP for CMC Steel New Jersey, located at 1 N Crossman, Sayreville, New Jersey Facility. The control options in this source-specific SIP address volatile organic compounds VOC and nitrogen
SUMMARY:

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I. Background II. The EPAs Evaluation of New Jerseys Submittal III. What comments were received in response to the EPAs proposed action?
IV. Summary of EPAs Final Action V. Incorporation by Reference VI. Statutory and Executive Order Reviews
I. Background The EPA approves a revision to the State of New Jerseys the State SIP for attainment and maintenance of the ozone National Ambient Air Quality Standards NAAQS. On July 15, 2020
85 FR 42803, the EPA proposed to approve the States April 30, 2019, SIP
revision, which relates to the application of the New Jersey Administrative Code NJAC Title 7, Chapter 27, Subchapter 16, Control and Prohibition of Air Pollution from Volatile Organic Compounds NJAC
7:2716 and the NJAC, Title 7, Chapter 27, Subchapter 19, Control and Prohibition of Air Pollution from Oxides of Nitrogen NJAC 7:2719 to the Sayreville EAF. Under this SIP revision, the emission limits for VOC and NOX
for the Sayreville EAF are the lowest emission limits achievable with the application of control technology that is reasonably available given the
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