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Federal Register / Vol. 86, No. 14 / Monday, January 25, 2021 / Notices
K. Coordination with State Regulatory Authorities In the event that a material supervisory determination subject to a request for review is the joint product of the FDIC and a State regulatory authority, the Director, DCP, the Director, RMS, or the Director, CISR, as appropriate, will promptly notify the appropriate State regulatory authority of the request, provide the regulatory authority with a copy of the institutions request for review and any other related materials, and solicit the regulatory authoritys views regarding the merits of the request before making a determination. In the event that an appeal is subsequently filed with the Office, the Office will notify the institution and the State regulatory authority of its decision. Once the Office has issued its determination, any other issues that may remain between the institution and the State authority will be left to those parties to resolve.
L. Effect on Supervisory or Enforcement Actions The use of the procedures set forth in these Guidelines by any institution will not affect, delay, or impede any formal or informal supervisory or enforcement action in progress during the appeal or affect the FDICs authority to take any supervisory or enforcement action against that institution.

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M. Effect on Applications or Requests for Approval Any application or request for approval made to the FDIC by an institution that has appealed a material supervisory determination that relates to, or could affect the approval of, the application or request will not be considered until a final decision concerning the appeal is made unless otherwise requested by the institution.
N. Prohibition on Examiner Retaliation The FDIC has an experienced examination workforce and is proud of its professionalism and dedication.
FDIC policy prohibits any retaliation, abuse, or retribution by an agency examiner or any FDIC personnel against an institution. Such behavior against an institution that appeals a material supervisory determination constitutes unprofessional conduct and will subject the examiner or other personnel to appropriate disciplinary or remedial action. Institutions that believe they have been retaliated against are encouraged to contact the Regional Director for the appropriate FDIC region.
Any institution that believes or has any evidence that it has been subject to retaliation may file a complaint with the
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Director, Office of the Ombudsman, Federal Deposit Insurance Corporation, 3501 Fairfax Drive, Suite E2022, Arlington, Virginia, 22226, explaining the circumstances and the basis for such belief or evidence and requesting that the complaint be investigated and appropriate disciplinary or remedial action taken. The Office of the Ombudsman will work with the appropriate Division Director to resolve the allegation of retaliation.

Proposed consent agreement;
request for comment.

ACTION:

The consent agreement in this matter settles alleged violations of federal law prohibiting unfair or deceptive acts or practices. The attached Analysis of Proposed Consent Order to Aid Public Comment describes both the allegations in the draft complaint and the terms of the consent order embodied in the consent agreement that would settle these allegations.
Federal Deposit Insurance Corporation.
DATES: Comments must be received on By order of the Board of Directors.
or before February 24, 2021.
Dated at Washington, DC, on January 19, ADDRESSES: Interested parties may file 2021.
comments online or on paper by James P. Sheesley, following the instructions in the Assistant Executive Secretary.
Request for Comment part of the FR Doc. 202101547 Filed 12221; 8:45 am SUPPLEMENTARY INFORMATION section BILLING CODE 671401P
below. Please write Everalbum, Inc.;
File No. 192 3172 on your comment, and file your comment online at https
www.regulations.gov by following the FEDERAL ELECTION COMMISSION
instructions on the web-based form. If you prefer to file your comment on Sunshine Act Meeting paper, mail your comment to the TIME AND DATE: Thursday, January 28, following address: Federal Trade 2021 at 10:00 a.m.
Commission, Office of the Secretary, PLACE: Virtual meeting. Note: Because of 600 Pennsylvania Avenue NW, Suite CC5610 Annex D, Washington, DC
the covid19 pandemic, we will 20580, or deliver your comment to the conduct the open meeting virtually. If following address: Federal Trade you would like to access the meeting, Commission, Office of the Secretary, see the instructions below.
STATUS: This meeting will be open to the Constitution Center, 400 7th Street SW, 5th Floor, Suite 5610 Annex D, public. to access the virtual meeting, go Washington, DC 20024.
to the commissions website FOR FURTHER INFORMATION CONTACT:
www.fec.gov and click on the banner to James Trilling 2023263497, Bureau be taken to the meeting page.
of Consumer Protection, Federal Trade MATTERS TO BE CONSIDERED:
Commission, 600 Pennsylvania Avenue Draft Advisory Opinion 202006:
NW, Washington, DC 20580.
Escobar SUPPLEMENTARY INFORMATION: Pursuant Audit Division Recommendation to Section 6f of the Federal Trade Memorandum on the Mississippi Commission Act, 15 U.S.C. 46f, and Republican Party A1715
FTC Rule 2.34, 16 CFR 2.34, notice is Management and Administrative hereby given that the above-captioned Matters consent agreement containing a consent CONTACT PERSON FOR MORE INFORMATION:
Judith Ingram, Press Officer; Telephone: order to cease and desist, having been filed with and accepted, subject to final 202 6941220.
approval, by the Commission, has been Authority: Government in the Sunshine placed on the public record for a period Act, 5 U.S.C. 552b.
of thirty 30 days. The following Analysis to Aid Public Comment Laura E. Sinram, describes the terms of the consent Acting Secretary and Clerk of the agreement and the allegations in the Commission.
complaint. An electronic copy of the FR Doc. 202101594 Filed 12121; 11:15 am full text of the consent agreement BILLING CODE 671501P
package can be obtained at https
www.ftc.gov/news-events/commissionactions.
FEDERAL TRADE COMMISSION
You can file a comment online or on paper. For the Commission to consider File No. 192 3172
your comment, we must receive it on or Everalbum, Inc.; Analysis of Proposed before February 24, 2021. Write Consent Order To Aid Public Comment Everalbum, Inc.; File No. 192 3172 on your comment. Your comment including your name and your state AGENCY: Federal Trade Commission.

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