30-Day FR Notice

Federal Register / Vol. 90, No. 143 / Tuesday, July 29, 2025 / Notices

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non-compliant vehicles is not a primary
consideration, it is important to
emphasize the importance of safety
irrespective of the quantity of vehicles
affected. Furthermore, in general,
NHTSA does not consider the absence
of complaints or injuries when
determining if a noncompliance is
inconsequential to safety. The absence
of complaints does not mean vehicle
occupants have not experienced a safety
issue, nor does it mean that there will
not be safety issues in the future.3
NHTSA has reviewed the MercedesBenz inconsequentiality petition and
does not concur with the conclusion
that the noncompliance is
inconsequential to motor vehicle safety.
The petition is therefore denied.
NHTSA issued the Rear Visibility
(FMVSS No. 111) final rule in 2014 to
reduce the risk of devastating backover
crashes involving vulnerable
populations (including very young
children) and to satisfy the mandate of
the Cameron Gulbransen Kids
Transportation Safety Act of 2007. The
final rule established a required field of
view with complete visibility of
designated test objects for all passenger
cars, trucks, multipurpose passenger
vehicles, buses, and low-speed vehicles
with a gross vehicle weight of less than
10,000 pounds. NHTSA anticipated the
final rule would significantly reduce
backover crashes involving children,
persons with disabilities, the elderly,
and other pedestrians who currently
have the highest risk associated with
backover crashes. Specifically, the rule
specified an area behind the vehicle
which must be visible to the driver
when the vehicle is placed into reverse
and other related performance
requirements.
The final rule established a minimum
field of view of 10 feet by 20 feet behind
the vehicle where the full width and
height of test objects A through E must
be observed (the test objects are 0.3 m
wide and 0.8 m tall).4 These
requirements are based on safety needs,
extensive research on backover, and
than occupant using similar compliant light
source).
3 See Morgan 3 Wheeler Limited; Denial of
Petition for Decision of Inconsequential
Noncompliance, 81 FR 21663, 21666 (Apr. 12,
2016); see also United States v. Gen. Motors Corp.,
565 F.2d 754, 759 (D.C. Cir. 1977) (finding defect
poses an unreasonable risk when it ‘‘results in
hazards as potentially dangerous as sudden engine
fire, and where there is no dispute that at least some
such hazards, in this case fires, can definitely be
expected to occur in the future’’).
4 The reasoning behind the minimum field of
view requirement in FMVSS No. 111 is thoroughly
explained in the 2014 Rear Visibility (FMVSS No.
111) final rule. See 79 FR 19178, 19205 (April 7,
2014).

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considerations of practicability.5
Mercedes-Benz’s overlay blocks the
required field of view in violation of
FMVSS No. 111.
Mercedes-Benz concedes that NHTSA
‘‘considered the field of view
requirements to have been met as long
as [overlays] did not cover any of the
required portions of the test objects if
activated automatically or if the overlay
was manually activated by the driver.’’
Mercedes-Benz acknowledges its
overlay covers 10 percent of Test Object
B, in violation of the quoted language.
However, Mercedes-Benz argues this 10
percent is inconsequential to motor
vehicle safety because ‘‘the driver is still
able to recognize a person or child
present behind the vehicle.’’ Similarly,
NHTSA received one comment in favor
of granting the petition because the
feature provides more information to
drivers, and the pop-up box only takes
up a small portion of the screen.
To the extent the text box covers a
minimal area of the backup camera
view, NHTSA disagrees with Mercedes
and commenters that the obstruction is
inconsequential to safety. NHTSA is
concerned that, the text box overlay by
covering 10 percent of the Test Object
B reduces the rearview area covered for
a driver to ascertain certain situations
such as an approaching vehicle from a
distance, children playing, and a person
walking. Also, it would be difficult to
ascertain in a situation if there is an
uneven terrain. Not having a clear rear
view on a hilly road or a road with turns
and slopes would make it difficult in
case one wants to use a backup camera
view for a clear rear view. The agency
notes that Test Object B is among the
furthest objects from the vehicle making
it possible for the driver to confuse far
away objects especially those that
would be obscured by the text box.
NHTSA finds that Mercedes-Benz has
not met its burden of persuasion and
disagrees with its assertion. Ultimately,
Mercedes-Benz’s noncompliant
rearview image leads to a greater risk of
backover crashes since it does not show
the minimum required field of view
during a backing maneuver and is
consequential to motor vehicle safety.
Therefore, NHTSA does not find that
the subject noncompliance is
inconsequential to motor vehicle safety.
VIII. NHTSA’s Decision
In consideration of the foregoing,
NHTSA has decided that MercedesBenz has not met its burden of
persuasion that the subject FMVSS No.
111 noncompliance is inconsequential
to motor vehicle safety. Accordingly,

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Mercedes-Benz’s petition is hereby
denied, and Mercedes-Benz is
consequently obligated to provide
notification of and free remedy for that
noncompliance under 49 U.S.C. 30118
and 30120.
(Authority: 49 U.S.C. 30118, 30120;
delegations of authority at 49 CFR 1.95 and
501.8)
Eileen Sullivan,
Associate Administrator for Enforcement.
[FR Doc. 2025–14255 Filed 7–28–25; 8:45 am]
BILLING CODE 4910–59–P

DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
Agency Information Collection
Activities: Information Collection
Renewal; Submission for OMB Review;
Loans in Areas Having Special Flood
Hazards
Office of the Comptroller of the
Currency (OCC), Treasury.
ACTION: Notice and request for
comment.
AGENCY:

The OCC, as part of its
continuing effort to reduce paperwork
and respondent burden, invites
comment on a continuing information
collection, as required by the Paperwork
Reduction Act of 1995 (PRA). In
accordance with the requirements of the
PRA, the OCC may not conduct or
sponsor, and the respondent is not
required to respond to, an information
collection unless it displays a currently
valid Office of Management and Budget
(OMB) control number. The OCC is
soliciting comment concerning the
renewal of its information collection
titled, ‘‘Loans in Areas Having Special
Flood Hazards.’’ The OCC also is giving
notice that it has sent the collection to
OMB for review.
DATES: Comments must be received by
August 28, 2025.
ADDRESSES: Commenters are encouraged
to submit comments by email, if
possible. You may submit comments by
any of the following methods:
• Email: [email protected].
• Mail: Chief Counsel’s Office,
Attention: Comment Processing, Office
of the Comptroller of the Currency,
Attention: 1557–0326, 400 7th Street
SW, Suite 3E–218, Washington, DC
20219.
• Hand Delivery/Courier: 400 7th
Street SW, Suite 3E–218, Washington,
DC 20219.
• Fax: (571) 293–4835.
Instructions: You must include
‘‘OCC’’ as the agency name and ‘‘1557–
SUMMARY:

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Federal Register / Vol. 90, No. 143 / Tuesday, July 29, 2025 / Notices

0326’’ in your comment. In general, the
OCC will publish comments on
www.reginfo.gov without change,
including any business or personal
information provided, such as name and
address information, email addresses, or
phone numbers. Comments received,
including attachments and other
supporting materials, are part of the
public record and subject to public
disclosure. Do not include any
information in your comment or
supporting materials that you consider
confidential or inappropriate for public
disclosure.
Written comments and
recommendations for the proposed
information collection should also be
sent within 30 days of publication of
this notice to www.reginfo.gov/public/
do/PRAMain. You can find this
information collection by selecting
‘‘Currently under 30-day Review—Open
for Public Comments’’ or by using the
search function.
You may review comments and other
related materials that pertain to this
information collection following the
close of the 30-day comment period for
this notice by the method set forth in
the next bullet.
• Viewing Comments Electronically:
Go to www.reginfo.gov. Hover over the
‘‘Information Collection Review’’ tab
and click on ‘‘Information Collection
Review’’ from the drop-down menu.
From the ‘‘Currently under Review’’
drop-down menu, select ‘‘Department of
Treasury’’ and then click ‘‘submit.’’ This
information collection can be located by
searching OMB control number ‘‘1557–
0326’’ or ‘‘Loans in Areas Having
Special Flood Hazards.’’ Upon finding
the appropriate information collection,
click on the related ‘‘ICR Reference
Number.’’ On the next screen, select
‘‘View Supporting Statement and Other
Documents’’ and then click on the link
to any comment listed at the bottom of
the screen.
• For assistance in navigating
www.reginfo.gov, please contact the
Regulatory Information Service Center
at (202) 482–7340.
FOR FURTHER INFORMATION CONTACT:
Shaquita Merritt, Clearance Officer,
(202) 649–5490, Chief Counsel’s Office,
Office of the Comptroller of the
Currency, 400 7th Street SW,
Washington, DC 20219. If you are deaf,
hard of hearing, or have a speech
disability, please dial 7–1–1 to access
telecommunications relay services.
SUPPLEMENTARY INFORMATION: Under the
PRA (44 U.S.C. 3501 et seq.), Federal
agencies must obtain approval from the
OMB for each collection of information
that they conduct or sponsor.

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‘‘Collection of information’’ is defined
in 44 U.S.C. 3502(3) and 5 CFR
1320.3(c) to include agency requests or
requirements that members of the public
submit reports, keep records, or provide
information to a third party. The OCC
asks the OMB to extend its approval of
the collection in this notice.
Title: Loans in Areas Having Special
Flood Hazards.
OMB Control No.: 1557–0326.
Type of Review: Regular.
Affected Public: Businesses or other
for-profit.
Description: This information
collection is required to evidence
compliance with the requirements of the
Federal flood insurance statutes with
respect to lenders and servicers and set
forth in OCC regulations at 12 CFR part
22. These provisions are required by the
National Flood Insurance Act of 1968
and the Flood Disaster Protection Act of
1973, as amended.1 The information
collection requirements in part 22 are as
follows:
• 12 CFR 22.3—Requirement to
Purchase Flood Insurance Where
Available—Under § 22.3(c)(3), national
banks and Federal savings associations
have the discretion to accept a flood
insurance policy issued by a private
insurer that is not issued under the
National Flood Insurance Program
(NFIP) and does not meet the definition
of private flood insurance if, among
other things, the policy provides
sufficient protection of the designated
loan, consistent with general safety and
soundness principles, and the bank or
savings association has documented its
conclusion regarding sufficiency of the
protection in writing. Under
§ 22.3(c)(4)(v), national banks and
Federal savings associations may accept
a private policy issued by a mutual aid
society if, among other things, the
coverage provides sufficient protection
of the designated loan, consistent with
general safety and soundness principles,
and the bank or savings association has
documented its conclusion regarding
sufficiency of the protection in writing.
• 12 CFR 22.5—Escrow
Requirements—With certain exceptions
with respect to types of loans and size
of institution, national banks, Federal
savings associations, and their servicers
must escrow flood insurance premiums
and fees for all loans secured by
properties located in a Special Flood
Hazard Area made, increased, extended,
or renewed on or after January 1, 2016.
Pursuant to § 22.5(b), when escrow is
required, the national bank or Federal
savings associations must mail or
deliver to the borrower a written notice

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U.S.C. 4001–4129.

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informing the borrower that the bank or
savings association is required to escrow
all premiums and fees for required flood
insurance. Pursuant to § 22.5(d)(2), if a
national bank or Federal savings
association no longer qualifies for an
exception to the escrow requirement,
the bank or savings association, in
certain cases, must provide the borrower
with a written notice informing the
borrower of the option to escrow all
premiums and fees for required flood
insurance.
• 12 CFR 22.6(a)—Required Use of
Standard Flood Hazard Determination
Form—A national bank or Federal
savings association must use the
Standard Flood Hazard Determination
Form developed by FEMA.
• 12 CFR 22.6(b)—Retention of
Standard Flood Hazard Determination
Form—A national bank or Federal
savings association must retain a copy
of the completed Standard Flood Hazard
Determination Form for the period the
bank or savings association owns the
loan.
• 12 CFR 22.7—Notice of Forced
Placement of Flood Insurance—If a
national bank or Federal savings
association, or its loan servicer,
determines during the period of time the
bank or savings association owns the
loan that the property securing the loan
is not covered by adequate flood
insurance, the bank or savings
association, or its loan servicer, must
notify the borrower that the borrower
should obtain adequate flood insurance
coverage at the borrower’s expense in an
amount at least equal to the minimum
amount required under the regulation
for the remaining term of the loan. If the
borrower fails to purchase insurance,
the bank or savings association, or its
servicer, must purchase insurance on
the borrower’s behalf and may charge
the borrower for the premiums and fees.
The insurance provider must be notified
to terminate any insurance purchased
by an institution or servicer within 30
days of receipt of confirmation of a
borrower’s existing flood insurance
coverage.
• 12 CFR 22.9(a) and (b)—Notice to
Borrower and Servicer—A national bank
or Federal savings association making,
increasing, extending, or renewing a
loan secured by property located in a
special flood hazard area must provide
a written notice to the borrower and
loan servicer (borrower notice). The
borrower notice must include a warning
that the property securing the loan is
located in a special flood hazard area; a
description of the flood insurance
purchase requirements; a statement
indicating that flood insurance is
available under the National Flood

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Federal Register / Vol. 90, No. 143 / Tuesday, July 29, 2025 / Notices
Insurance Program, where applicable; a
statement that flood insurance
providing the same level of coverage
may be available from private insurance
companies; a statement that borrowers
are encouraged to compare NFIP and
private flood insurance policies; and a
statement whether Federal disaster
relief assistance may be available in the
event of a declared Federal flood
disaster.
• 12 CFR 22.9(d) and (e)—Record of
Borrower and Servicer Receipt of Notice
and Alternate Method of Notice—A
national bank or Federal savings
association must retain a record of the
receipt of the borrower notices by the
borrower and the loan servicer for the
period of time the bank or savings
association owns the loan. In lieu of
providing the borrower notice, a
national bank or savings association
may obtain a satisfactory written
assurance from a seller or lessor that,
within a reasonable time before
completion of the sale or lease
transaction, the seller or lessor has
provided such notice to the purchaser or
lessee. The bank or savings association
must retain a record of the written
assurance from the seller or lessor for
the period it owns the loan.
• 12 CFR 22.10—Notices to FEMA—
A national bank or savings association
making, increasing, extending,
renewing, selling, or transferring a loan
secured by property located in a special
flood hazard area must notify the
Administrator of FEMA (or the
Administrator’s designee) of the identity
of the loan servicer (notice of servicer),
and must notify the Administrator of
FEMA (or the Administrator’s designee)
of any change in the loan servicer
(notice of servicer transfer) within 60
days after the effective date of such
change.
Estimated Frequency of Response: On
occasion.
Estimated Number of Respondents:
978.
Estimated Total Annual Burden:
141,239 hours.
Comments: On May 22, 2025, the OCC
published a 60-day notice for this
information collection, (90 FR 21985).
No comments were received.
Comments continue to be invited on:
(a) Whether the collection of
information is necessary for the proper
performance of the functions of the
OCC, including whether the information
has practical utility;
(b) The accuracy of the OCC’s
estimate of the burden of the collection
of information;
(c) Ways to enhance the quality,
utility, and clarity of the information to
be collected;

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(d) Ways to minimize the burden of
the collection on respondents, including
through the use of automated collection
techniques or other forms of information
technology; and
(e) Estimates of capital or start-up
costs and costs of operation,
maintenance, and purchase of services
to provide information.
Patrick T. Tierney,
Assistant Director, Office of the Comptroller
of the Currency.
[FR Doc. 2025–14253 Filed 7–28–25; 8:45 am]
BILLING CODE 4810–33–P

DEPARTMENT OF THE TREASURY
Request for Expressions of Interest in
Membership on the Federal Insurance
Office’s Advisory Committee on RiskSharing Mechanisms
Departmental Offices, U.S.
Department of the Treasury.
ACTION: Notice.
AGENCY:

The Federal Insurance Office
(FIO) within the Department of the
Treasury invites the public to submit
expressions of interest in serving as
members of the Advisory Committee on
Risk-Sharing Mechanisms (ACRSM).
Submissions must be received by FIO
no later than August 29, 2025.
FOR FURTHER INFORMATION CONTACT:
Annette Burris, Senior Insurance
Regulatory Policy Analyst, Federal
Insurance Office, Department of the
Treasury, 1500 Pennsylvania Ave. NW,
Room 1410 MT, Washington, DC 20220,
at (771) 215–6900 (this is not a toll-free
number). Persons who have difficulty
hearing or speaking may access this
number via TTY by calling the toll-free
Federal Relay Service at (800) 877–8339.
SUPPLEMENTARY INFORMATION:
SUMMARY:

Background
The ACRSM is a federal advisory
committee of insurance industry
representatives established in 2015 to
provide advice and recommendations to
the Federal Insurance Office (FIO) with
respect to (1) the creation and
development of non-governmental,
private market risk-sharing mechanisms
for protection against losses arising from
acts of terrorism; and (2) FIO’s
administration of the Terrorism Risk
Insurance Program.1 Assisting the
Secretary of the Treasury in the
administration of the Terrorism Risk
Insurance Program is among FIO’s
duties and authorities as set out in
Subpart A of the Federal Insurance
Office Act of 2010 (31 U.S.C. 313, et

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35759

seq.), Title V of the Dodd-Frank Wall
Street Reform and Consumer Protection
Act, Public Law 111–203, 12 U.S.C.
5301 et seq. (July 21, 2010).
The ACRSM’s membership is
balanced to include a cross-section of
members consisting of directors,
officers, or other employees of insurers,
reinsurers, and capital market
participants that are representative of
the affected sectors of the insurance
industry, including commercial
property insurance, commercial
casualty insurance, reinsurance, and
alternative risk transfer industries. More
information regarding the ACRSM,
including a list of its current members,
prior recommendations to FIO, and its
organizational documents, is available
on the Treasury website.2
Individuals interested in serving as
ACRSM members should submit an
expression of interest including their
name, organization or affiliation, and
contact information (employment
address, telephone number, and email
address). Submissions should also
include a curriculum vitae and a
statement describing the individual’s
interest in serving and willingness to
work on the issues addressed by the
ACRSM.
A small subset of ACRSM members
may be required to adhere to the
conflict-of-interest rules applicable to
Special Government Employees as such
employees are defined in 18 U.S.C.
202(a). These rules include relevant
provisions in 18 U.S.C. related to
criminal activity, Standards of Ethical
Conduct for Employees of the Executive
Branch (5 CFR part 2635), and Executive
Order 12674 (as modified by Executive
Order 12731).
In accordance with Department of
Treasury Directive 21–03, candidates for
appointment to the ACRSM are subject
to a clearance process, including
fingerprinting, annual tax checks, and a
Federal Bureau of Investigation criminal
background check. All ACRSM
candidates must agree to submit to these
pre-appointment checks.
The deadline for submitting
expressions of interest is August 29,
2025. Submissions may be sent by email
to [email protected] or by mail to:
Federal Insurance Office, Room 1410,
U.S. Department of the Treasury, 1500
Pennsylvania Avenue NW, Washington,
DC 20220–0002, Attention: ACRSM.
2 Advisory Committee on Risk-Sharing
Mechanisms (ACRSM), U.S. Department of the
Treasury, home.treasury.gov/policy-issues/
financial-markets-financial-institutions-and-fiscalservice/federal-insurance-office/terrorism-riskinsurance-program/advisory-committee-on-risksharing-mechanisms-acrsm.

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