30-day Federal Register Notice

48614

Federal Register / Vol. 84, No. 179 / Monday, September 16, 2019 / Notices

• Commit to lead or collaborate with
others on implementing any of the
proposed actions.
• Provide additional information or
recommendations to inform these or
other proposed actions.
The goal is to issue a final Action Plan
that includes clear commitments and
milestones for actions that will further
water reuse to help ensure the
sustainability, security, and resilience of
the Nation’s water resources.
Dated: September 6, 2019.
David P. Ross,
Assistant Administrator, Office of Water.
[FR Doc. 2019–19984 Filed 9–13–19; 8:45 am]
BILLING CODE 6560–50–P

FEDERAL DEPOSIT INSURANCE
CORPORATION
Agency Information Collection
Activities: Submission for OMB
Review; Comment Request (OMB No.
3064–0188)
Federal Deposit Insurance
Corporation (FDIC).
ACTION: Agency information collection
activities: submission for OMB review;
comment request.
AGENCY:

The FDIC, as part of its
obligations under the Paperwork

SUMMARY:

All comments should refer to the
relevant OMB control number. A copy
of the comments may also be submitted
to the OMB desk officer for the FDIC:
Office of Information and Regulatory
Affairs, Office of Management and
Budget, New Executive Office Building,
Washington, DC 20503.
FOR FURTHER INFORMATION CONTACT:
Manny Cabeza, Counsel, 202–898–3767,
[email protected], MB–3128, Federal
Deposit Insurance Corporation, 550 17th
Street NW, Washington, DC 20429.
SUPPLEMENTARY INFORMATION: On July
16, 2019, the FDIC requested comment
for 60 days on a proposal to renew the
information collection described below.
No comments were received. The FDIC
hereby gives notice of its plan to submit
to OMB a request to approve the
renewal of this collection, and again
invites comment on this renewal.
Proposal to renew the following
currently approved collection of
information:
1. Title: Appraisal for Higher-Priced
Mortgage Loans.
OMB Number: 3064–0188.
Form Number: None.
Affected Public: Insured state
nonmember banks and state savings
associations.
Burden Estimate:

Reduction Act of 1995, invites the
general public and other Federal
agencies to take this opportunity to
comment on the renewal of the existing
information collection described below
(3064–0188) on July 16, 2019, the FDIC
requested comment for 60 days on a
proposal to renew the information
collection described below. No
comments were received. The FDIC
hereby gives notice of its plan to submit
to OMB a request to approve the
renewal of this collection, and again
invites comment on this renewal.
DATES: Comments must be submitted on
or before October 16, 2019.
ADDRESSES: Interested parties are
invited to submit written comments to
the FDIC by any of the following
methods:
• https://www.FDIC.gov/regulations/
laws/federal.
• Email: [email protected]. Include
the name and number of the collection
in the subject line of the message.
• Mail: Manny Cabeza (202–898–
3767), Counsel, MB–3128, Federal
Deposit Insurance Corporation, 550 17th
Street NW, Washington, DC 20429.
• Hand Delivery: Comments may be
hand-delivered to the guard station at
the rear of the 17th Street Building
(located on F Street), on business days
between 7:00 a.m. and 5:00 p.m.

SUMMARY OF ANNUAL BURDEN AND INTERNAL COST
Estimated
time per
response
(hours)

Estimated
frequency of
responses

Obligation
to respond

Review and Provide Copy of Full Interior Appraisal.
Investigate and Verify Requirement
for Second Appraisal.
Conduct and Provide Second Appraisal.

Third Party Disclosure.
Recordkeeping ..........

Mandatory ......

1,300

13

0.14

On Occasion ..

2,366

Mandatory ......

1,300

8

0.14

On Occasion ..

1,456

Third Party Disclosure.

Mandatory ......

1,300

1

0.14

On Occasion ..

182

...................................

.........................

........................

........................

........................

.........................

4,004

General Description of Collection
Section 1471 of the Dodd-Frank Act
established a new Truth in Lending
(TILA) section 129H, which contains
appraisal requirements applicable to
higher-risk mortgages and prohibits a
creditor from extending credit in the
form of a higher-risk mortgage loan to
any consumer without meeting those
requirements. A higher-risk mortgage is
defined as a residential mortgage loan
secured by a principal dwelling with an
annual percentage rate (APR) that
exceeds the average prime offer rate
(APOR) for a comparable transaction as
of the date the interest rate is set by
certain enumerated percentage point
spreads. The rule requires that, within

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three days of application, a creditor
provide a disclosure that informs
consumers regarding the purpose of the
appraisal, that the creditor will provide
the consumer a copy of any appraisal,
and that the consumer may choose to
have a separate appraisal conducted at
the expense of the consumer. If a loan
meets the definition of a higher-risk
mortgage loan, then the creditor would
be required to obtain a written appraisal
prepared by a certified or licensed
appraiser who conducts a physical visit
of the interior of the property that will
secure the transaction, and send a copy
of the written appraisal to the consumer.
To qualify for the safe harbor provided
under the rule, a creditor is required to
review the written appraisal as specified

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Frequency
of response

Total annual
estimated
burden
(hours)

Type of burden

Total Estimated Annual Burden

jspears on DSK3GMQ082PROD with NOTICES

Estimated
number of
respondents

Information collection (IC)
description

in the text of the rule and appendix A.
If a loan is classified as a higher-risk
mortgage loan that will finance the
acquisition of the property to be
mortgaged, and the property was
acquired within the previous 180 days
by the seller at a price that was lower
than the current sale price, then the
creditor is required to obtain an
additional appraisal. A creditor is
required to provide the consumer a copy
of the appraisal reports performed in
connection with the loan, without
charge, at least days prior to
consummation of the loan.
There is no change in the method or
substance of the collection. The overall
reduction in burden hours is the result
of economic fluctuation. In particular,

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Federal Register / Vol. 84, No. 179 / Monday, September 16, 2019 / Notices
the number of respondents has
decreased while the hours per response
and frequency of responses have
remained the same.
Request for Comment
Comments are invited on: (a) Whether
the collection of information is
necessary for the proper performance of
the FDIC’s functions, including whether
the information has practical utility; (b)
the accuracy of the estimates of the
burden of the information collection,
including the validity of the
methodology and assumptions used; (c)
ways to enhance the quality, utility, and

clarity of the information to be
collected; and (d) ways to minimize the
burden of the collection of information
on respondents, including through the
use of automated collection techniques
or other forms of information
technology. All comments will become
a matter of public record.
Federal Deposit Insurance Corporation.
Dated at Washington, DC, on September
11, 2019.
Valerie Best,
Assistant Executive Secretary.
[FR Doc. 2019–19927 Filed 9–13–19; 8:45 am]
BILLING CODE 6714–01–P

48615

FEDERAL DEPOSIT INSURANCE
CORPORATION
Notice of Termination of Receiverships
The Federal Deposit Insurance
Corporation (FDIC or Receiver), as
Receiver for each of the following
insured depository institutions, was
charged with the duty of winding up the
affairs of the former institutions and
liquidating all related assets. The
Receiver has fulfilled its obligations and
made all dividend distributions
required by law.

NOTICE OF TERMINATION OF RECEIVERSHIPS
Fund
10034
10144
10191
10307
10332
10523

................
................
................
................
................
................

Receivership name

City

County Bank .....................................................
Home Federal Savings Bank ............................
Bank of Illinois ..................................................
First Vietnamese American Bank .....................
Evergreen State Bank ......................................
Harvest Community Bank .................................

Merced ..............................................................
Detroit ...............................................................
Normal ..............................................................
Westminster ......................................................
Stoughton ..........................................................
Pennsville ..........................................................

The Receiver has further irrevocably
authorized and appointed FDICCorporate as its attorney-in-fact to
execute and file any and all documents
that may be required to be executed by
the Receiver which FDIC-Corporate, in
its sole discretion, deems necessary,
including but not limited to releases,
discharges, satisfactions, endorsements,
assignments, and deeds. Effective on the
termination dates listed above, the
Receiverships have been terminated, the

Receiver has been discharged, and the
Receiverships have ceased to exist as
legal entities.
Authority: 12 U.S.C. 1819.
Federal Deposit Insurance Corporation.
Dated at Washington, DC, on September
11, 2019.
Valerie Best,
Assistant Executive Secretary.
[FR Doc. 2019–19926 Filed 9–13–19; 8:45 am]

State
CA
MI
IL
CA
WI
NJ

Termination
date
9/1/2019
9/1/2019
9/1/2019
9/1/2019
9/1/2019
9/1/2019

FEDERAL DEPOSIT INSURANCE
CORPORATION
Notice to All Interested Parties of
Intent To Terminate Receivership
Notice is hereby given that the Federal
Deposit Insurance Corporation (FDIC or
Receiver) as Receiver for the institution
listed below intends to terminate its
receivership for said institution.

BILLING CODE 6714–01–P

jspears on DSK3GMQ082PROD with NOTICES

NOTICE OF INTENT TO TERMINATE RECEIVERSHIP
Fund

Receivership name

City

State

4382 ..................

Citytrust .........................................................

Bridgeport .....................................................

CT

The liquidation of the assets for the
receivership has been completed. To the
extent permitted by available funds and
in accordance with law, the Receiver
will be making a final dividend
payment to proven creditors.
Based upon the foregoing, the
Receiver has determined that the
continued existence of the receivership
will serve no useful purpose.
Consequently, notice is given that the
receivership shall be terminated, to be
effective no sooner than thirty days after
the date of this notice. If any person
wishes to comment concerning the
termination of the receivership, such
comment must be made in writing,
identify the receivership to which the

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18:14 Sep 13, 2019

Jkt 247001

comment pertains, and sent within
thirty days of the date of this notice to:
Federal Deposit Insurance Corporation,
Division of Resolutions and
Receiverships, Attention: Receivership
Oversight Department 34.6, 1601 Bryan
Street, Dallas, TX 75201.
No comments concerning the
termination of this receivership will be
considered which are not sent within
this time frame.
Authority: 12 U.S.C. 1819.
Federal Deposit Insurance Corporation.

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Date of
appointment
of receiver
08/09/1991

Dated at Washington, DC, on September 9,
2019.
Valerie Best,
Assistant Executive Secretary.
[FR Doc. 2019–19924 Filed 9–13–19; 8:45 am]
BILLING CODE 6714–01–P

FEDERAL DEPOSIT INSURANCE
CORPORATION
Notice to All Interested Parties of
Intent To Terminate Receivership
Notice is hereby given that the
Federal Deposit Insurance Corporation
(FDIC or Receiver) as Receiver for the
institution listed below intends to

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16SEN1