Voglio sapere a riguardo di…

jbell on DSKJLSW7X2PROD with PROPOSALS

Federal Register / Vol. 86, No. 51 / Thursday, March 18, 2021 / Proposed Rules Email: comments@fdic.gov. Include RIN 3064ZA16 in the subject line of the message.
Mail: James P. Sheesley, Assistant Executive Secretary, Attention:
Comments-RIN 3064ZA16/Legal ESS, Federal Deposit Insurance Corporation, 550 17th Street NW, Washington, DC
20429.
Hand Delivery/Courier: Comments may be hand-delivered to the guard station at the rear of the 550 17th Street NW building located on F Street on business days between 7:00 a.m. and 5:00 p.m.
Instructions: All submissions must include the agency name and RIN 3064
ZA16 for this rulemaking. Comments received will be posted without change to https www.fdic.gov/regulations/
laws/federal/, including any personal information provided.
FCA: We offer a variety of methods for you to submit your comments. For accuracy and efficiency reasons, commenters are encouraged to submit comments by email or through the FCAs website. As facsimiles fax are difficult for us to process and achieve compliance with section 508 of the Rehabilitation Act, we are no longer accepting comments submitted by fax.
Regardless of the method you use, please do not submit your comment multiple times via different methods.
You may submit comments by any of the following methods:
Email: Send us an email at regcomm@fca.gov.
FCA Website: http www.fca.gov.
Click inside the I want to . . . field near the top of the page; select comment on a pending regulation from the dropdown menu; and click Go. This takes you to an electronic public comment form.
Mail: Kevin J. Kramp, Director, Office of Regulatory Policy, Farm Credit Administration, 1501 Farm Credit Drive, McLean, VA 221025090.
You may review copies of all comments we receive on our website at http www.fca.gov. Once you are in the website, click inside the I want to . . . field near the top of the page;
select find comments on a pending regulation from the dropdown menu;
and click Go. This will take you to the Comment Letters page where you can select the regulation for which you would like to read the public comments.
We will show your comments as submitted, including any supporting data provided, but for technical reasons, we may omit items such as logos and special characters. Identifying information that you provide, such as phone numbers and addresses, will be publicly available. However, we will
VerDate Sep<11>2014

16:14 Mar 17, 2021

Jkt 253001

attempt to remove email addresses to help reduce internet spam. You may also review comments at our office in McLean, Virginia. Please call us at 703
8834056 or email us at reg-comm@
fca.gov to make an appointment.
NCUA: You may submit comments identified by RIN 3133AF31 by any of the following methods please send comments by one method only.
Federal eRulemaking Portal: http
www.regulations.gov. Follow the instructions for submitting comments.
Fax: 703 5186319. Use the subject line Your name Comments on Interagency Questions & Answers Regarding Private Flood Insurance on the transmission cover sheet.
Mail: Address to Melane ConyersAusbrooks, Secretary of the Board, National Credit Union Administration, 1775 Duke Street, Alexandria, Virginia 223143428.
Hand Delivery/Courier: Same as mail address.
Public Inspection: You can view all public comments on the agencys website at http www.ncua.gov/Legal/
Regs/Pages/PropRegs.aspx as submitted, except for those we cannot post for technical reasons. The NCUA will not edit or remove any identifying or contact information from the public comments. Due to social distancing measures in effect, the usual opportunity to inspect paper copies of comments in the NCUAs law library is not currently available. After social distancing measures are relaxed, visitors may make an appointment to review paper copies by calling 703 5186540
or emailing OGCMail@ncua.gov.
FOR FURTHER INFORMATION CONTACT:
OCC: Rhonda L. Daniels, Compliance Specialist, Compliance Risk Policy Division, 202 6495405; Heidi M.
Thomas, Special Counsel, or Cyndy MacMahon, Attorney, Chief Counsels Office, 202 6496350.
Board: Lanette Meister, Senior Supervisory Consumer Financial Services Analyst, 202 4522705 or Vivian W. Wong, Senior Counsel, 202
4523667, Division of Consumer and Community Affairs; Daniel Ericson, Senior Counsel, 202 4523359, Legal Division; for users of Telecommunications Device for the Deaf TDD only, contact 202 2634869.
FDIC: Navid Choudhury, Counsel, Policy Unit, Legal Division, 202 898
6526; or Simin Ho, Senior Policy Analyst, Division of Depositor and Consumer Protection, 202 8986907.
FCA: Ira D. Marshall, Senior Policy Analyst, Office of Regulatory Policy, 703 8834379, TTY 703 8834056 or Jennifer Cohn, Senior Counsel, Office of General Counsel, 720 2130440.

PO 00000

Frm 00003

Fmt 4702

Sfmt 4702

14697

NCUA: Sarah Chung, Senior Staff Attorney, Office of General Counsel, 703 5186540, or Lou Pham, Senior Credit Specialist, Office of Examination and Insurance, 703 5186360.
SUPPLEMENTARY INFORMATION:
Background The National Flood Insurance Act of 1968 created the National Flood Insurance Program NFIP, which is administered by the Federal Emergency Management Agency FEMA.1 The NFIP enables property owners in participating communities to purchase flood insurance if the community has adopted floodplain management ordinances and minimum standards for new and substantially damaged or improved construction. Thus, in participating communities, Federallybacked flood insurance is available for property owners in flood risk areas.
Congress expanded the NFIP by enacting the Flood Disaster Protection Act of 1973 FDPA.2 The FDPA made the purchase of flood insurance mandatory in connection with loans made by Federally-regulated lending institutions when the loans are secured by improved real estate or mobile homes located in a special flood hazard area SFHA. The National Flood Insurance Reform Act of 1994 the Reform Act Title V of the Riegle Community Development and Regulatory Improvement Act of 1994
comprehensively revised the Federal flood insurance statutes.3 The Reform Act required the OCC, Board, FDIC, Office of Thrift Supervision OTS, and NCUA to revise their flood insurance regulations, and required the FCA to promulgate a flood insurance regulation for the first time. The OCC, Board, FDIC, OTS, FCA, and NCUA 4 fulfilled these requirements by issuing a joint final rule in the summer of 1996.5
Since 1997, the Interagency Questions and Answers 6 have provided the 1 Public
Law 90448, 82 Stat. 572 1968.
Law 93234, 87 Stat. 975 1973.
3 Title V of Public Law 103325, 108 Stat. 2255
1994.
4 Throughout this document the Agencies includes the OTS with respect to events that occurred prior to July 21, 2011, but does not include OTS with respect to events thereafter.
Sections 311 and 312 of the Dodd-Frank Wall Street Reform and Consumer Protection Act transferred OTSs functions to other agencies on July 21, 2011.
The OTSs supervisory functions relating to Federal savings associations were transferred to the OCC, while those relating to State savings associations were transferred to the FDIC. See also 76 FR 39246
July 6, 2011.
5 61 FR 45684 Aug. 29, 1996.
6 Throughout this document, Questions and Answers refers to the Interagency Questions and Answers Regarding Flood Insurance in its entirety;
2 Public
E:FRFM18MRP1.SGM

Continued
18MRP1