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56848

Federal Register / Vol. 86, No. 195 / Wednesday, October 13, 2021 / Proposed Rules
a. In paragraph a, by removing which will not exceed 94 percent and adding policy before reserve in the first sentence; and b. By revising paragraph d.
The revision reads as follows:

8.13

Policy loans.

d Notwithstanding any other provisions of this section, the variable loan rate shall not exceed 12 percent or be lower than 5 percent per annum. For policyholders with an existing fixed-rate loan who subsequently apply for an additional loan on the same policy, the existing fixed-rate loan shall be refinanced into the new variable-rate loan at the prevailing variable rate at the time of the new loan application.
FR Doc. 202122208 Filed 101221; 8:45 am BILLING CODE 832001P

ENVIRONMENTAL PROTECTION
AGENCY
40 CFR Part 52
EPAR09OAR20210549; FRL885601
R9

Second 10-Year Maintenance Plan for the Indian Wells Valley PM10 Planning Area; California Environmental Protection Agency EPA.
ACTION: Proposed rule.
AGENCY:

jspears on DSK121TN23PROD with PROPOSALS1

FOR FURTHER INFORMATION CONTACT:

The Environmental Protection Agency EPA is proposing to approve the Indian Wells Valley Second 10Year PM10 Maintenance Plan Indian Wells Second Maintenance Plan or Plan as a revision to the state implementation plan SIP for the State of California. The Indian Wells Second Maintenance Plan includes, among other elements, a base year emissions inventory, a maintenance demonstration, contingency provisions, and motor vehicle emissions budgets for use in transportation conformity determinations. The EPA is proposing these actions because the SIP revision meets the applicable statutory and regulatory requirements for such plans and motor vehicle emissions budgets.
Lastly, the EPA is beginning the adequacy process for the 2020 and 2025
motor vehicle emissions budgets in the Plan through this proposed rule.
DATES: Comments must be received on or before November 12, 2021.
ADDRESSES: Submit your comments, identified by Docket ID No. EPAR09
OAR20210549, at https
www.regulations.gov. For comments SUMMARY:

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16:28 Oct 12, 2021

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submitted at Regulations.gov, follow the online instructions for submitting comments. Once submitted, comments cannot be edited or removed from Regulations.gov. The EPA may publish any comment received to its public docket. Do not submit electronically any information you consider to be Confidential Business Information CBI
or other information whose disclosure is restricted by statute. Multimedia submissions audio, video, etc. must be accompanied by a written comment.
The written comment is considered the official comment and should include discussion of all points you wish to make. The EPA will generally not consider comments or comment contents located outside of the primary submission i.e., on the web, cloud, or other file sharing system. For additional submission methods, please contact the person identified in the FOR
FURTHER INFORMATION CONTACT section.
For the full EPA public comment policy, information about CBI or multimedia submissions, and general guidance on making effective comments, please visit https www.epa.gov/dockets/
commenting-epa-dockets. If you need assistance in a language other than English or if you are a person with disabilities who needs a reasonable accommodation at no cost to you, please contact the person identified in the FOR
FURTHER INFORMATION CONTACT section.
Ashley Graham, EPA Region IX, 75
Hawthorne St., San Francisco, CA
94105. By phone: 415 9723877 or by email at graham.ashleyr@epa.gov.
SUPPLEMENTARY INFORMATION:
Throughout this document, we, us, and our refer to the EPA.

Table of Contents I. Background A. The PM10 National Ambient Air Quality Standards B. The Indian Wells Valley PM10 Planning Area II. Procedural Requirements for Adoption and Submittal of State Implementation Plan Revisions III. Requirements for Second 10-Year Maintenance Plans IV. Evaluation of the Indian Wells Second Maintenance Plan A. Emissions Inventories B. Maintenance Demonstration C. Verification of Continued Attainment D. Contingency Provisions E. Motor Vehicle Emissions Budgets for Transportation Conformity V. Proposed Action and Request for Public Comment VI. Statutory and Executive Order Reviews
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I. Background A. The PM10 National Ambient Air Quality Standards Under section 109 of the Clean Air Act CAA or Act, the EPA
established national ambient air quality standards NAAQS or standards for certain pervasive air pollutants referred to as criteria pollutants and conducts periodic reviews of the NAAQS to determine whether they should be revised or whether new NAAQS should be established. The EPA sets the NAAQS for criteria pollutants at levels required to protect public health and welfare.1 Particulate matter is one of the ambient pollutants for which the EPA
has established NAAQS.2
In 1987, the EPA established primary and secondary NAAQS for particles with an aerodynamic diameter less than or equal to a nominal 10 microns in diameter PM10.3 At that time, the EPA
established two PM10 standards; an annual standard and a 24-hour standard.4 The annual PM10 standard was subsequently revoked.5 More recently, the EPA announced that it was retaining the 24-hour PM10 NAAQS as a 24-hour standard of 150 micrograms per cubic meter mg/m3.6 In this document, PM10 NAAQS or PM10 standard refer to the 24-hour PM10 NAAQS.
An area attains the 24-hour standard of 150 mg/m3 when the expected number of days per calendar year with a 24-hour 1 For a given air pollutant, primary standards are those determined by the EPA as requisite to protect the public health. Secondary standards are those determined by the EPA as requisite to protect the public welfare from any known or anticipated adverse effects associated with the presence of such air pollutant in the ambient air.
CAA section 109b.
2 Particulate matter is the generic term for a broad class of chemically and physically diverse substances that exist as discrete particles liquid droplets or solids over a wide range of sizes.
Particles originate from a variety of anthropogenic stationary and mobile sources as well as from natural sources. Particles may be emitted directly or form in the atmosphere by transformations of gaseous emissions such as sulfur dioxide SO2, oxides of nitrogen NOX, volatile organic compounds VOC, and ammonia NH3. The chemical and physical properties of particulate matter vary greatly with time, region, meteorology, and source category. SO2, NOX, VOC, and NH3 are referred to as PM10 precursors. As discussed later in this proposed rule, precursors do not contribute significantly to elevated ambient PM10
concentrations in the Indian Wells Valley planning area. Some California air quality plans use the term reactive organic gases ROG instead of VOC. The terms cover essentially the same compounds, and herein we use the term VOC.
3 52 FR 24634 July 1, 1987.
4 The primary and secondary standards were set at the same level for both the 24-hour and the annual PM10 standards.
5 In 2006, the EPA retained the 24-hour PM
10
standards but revoked the annual standards. 71 FR
61144 October 17, 2006.
6 78 FR 3086 January 15, 2013.

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