[Federal Register Volume 81, Number 247 (Friday, December 23, 2016)]
[Rules and Regulations]
[Pages 94240-94246]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2016-30725]


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DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency

12 CFR Part 4

[Docket ID OCC-2016-0033]
RIN 1557-AE12


Availability of Information Under the Freedom of Information Act

AGENCY: Office of the Comptroller of the Currency

ACTION: Interim final rule.

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SUMMARY: The Office of the Comptroller of the Currency (OCC) is 
amending its regulations governing the disclosure of information 
pursuant to requests made under the Freedom of Information Act (FOIA) 
to reflect changes to the FOIA made by the FOIA Improvement Act of 2016 
and the OPEN FOIA Act of 2009 and to make other technical changes that 
update the OCC's FOIA regulations.

DATES: The interim final rule is effective on December 23, 2016. 
Comments on the rule must be received by February 21, 2017.

ADDRESSES: You may submit comments to the OCC by any of the methods set 
forth below. Because paper mail in the Washington, DC area and at the 
OCC is subject to delay, commenters are encouraged to submit comments 
through the Federal eRulemaking Portal or email, if possible. Please 
use the title ``Availability of Information Under the Freedom of 
Information Act'' to facilitate the organization and distribution of 
the comments. You may submit comments by any of the following methods:
     Federal eRulemaking Portal--``Regulations.gov'': Go to 
www.regulations.gov. Enter ``Docket ID OCC-2016-0033'' in the Search 
Box and click ``Search.'' Click on ``Comment Now'' to submit public 
comments.
     Click on the ``Help'' tab on the Regulations.gov home page 
to get information on using Regulations.gov, including instructions for 
submitting public comments.
     Email: [email protected].
     Mail: Legislative and Regulatory Activities Division, 
Office of the Comptroller of the Currency, 400 7th Street SW., Suite 
3E-218, mail stop 9W-11, Washington, DC 20219.
     Hand Delivery/Courier: 400 7th Street SW., Suite 3E-218, 
mail stop 9W-11, Washington, DC 20219.
     Fax: (571) 465-4326.
    Instructions: You must include ``OCC'' as the agency name and 
``Docket ID OCC-2016-0033'' in your comment. In general, the OCC will 
enter all comments received into the docket and publish them on the 
Regulations.gov Web site without change, including any business or 
personal information that you provide 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.
    You may review comments and other related materials that pertain to 
this rulemaking action by any of the following methods:

[[Page 94241]]

     Viewing Comments Electronically: Go to 
www.regulations.gov. Enter ``Docket ID OCC-2016-0033'' in the Search 
box and click ``Search.'' Click on ``Open Docket Folder'' on the right 
side of the screen. Comments and supporting materials can be viewed and 
filtered by clicking on ``View all documents and comments in this 
docket'' and then using the filtering tools on the left side of the 
screen.
     Click on the ``Help'' tab on the Regulations.gov home page 
to get information on using Regulations.gov. The docket may be viewed 
after the close of the comment period in the same manner as during the 
comment period.
     Viewing Comments Personally: You may personally inspect 
and photocopy comments at the OCC, 400 7th Street SW., Washington, DC 
20219. For security reasons, the OCC requires that visitors make an 
appointment to inspect comments. You may do so by calling (202) 649-
6700 or, for persons who are deaf or hard of hearing, TTY, (202) 649-
5597. Upon arrival, visitors will be required to present valid 
government-issued photo identification and submit to security screening 
in order to inspect and photocopy comments.

FOR FURTHER INFORMATION CONTACT: For additional information, contact 
Melissa Lisenbee, Attorney, Legislative and Regulatory Activities 
Division, (202) 649-5490, or, for persons who are deaf or hard of 
hearing, TTY, (202) 649-5597.

SUPPLEMENTARY INFORMATION: 

I. Background

    The Freedom of Information Act (FOIA) sets forth the process for 
obtaining federal agency records, unless the records (or any portion 
thereof) are protected from disclosure by one of the FOIA's nine 
exemptions or by one of its three special law enforcement record 
exclusions.\1\ On June 30, 2016, the FOIA Improvement Act of 2016 (the 
FOIA Improvement Act or the Act) \2\ amended the FOIA to, among other 
changes, require Federal agencies to make certain records 
electronically available, extend the time available for a requester to 
appeal an adverse determination, amend the circumstances under which an 
agency can assess search and duplication fees, establish FOIA dispute 
resolution procedures, and establish a new standard for the withholding 
of information pursuant to a FOIA exemption.
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    \1\ 5 U.S.C. 552 et seq.
    \2\ Public Law 114-185 (2016).
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    Additionally, under section 2222 of the Economic Growth and 
Regulatory Paperwork Reduction Act of 1996 (EGRPRA),\3\ the OCC is 
required to conduct a review at least once every 10 years to identify 
any outdated or otherwise unnecessary regulations. The OCC completed 
the last comprehensive review of its regulations under EGRPRA in 2006 
and is concluding the current decennial review. As part of its current 
EGRPRA review, the OCC issued a notice of proposed rulemaking on March 
14, 2016, that included proposed technical amendments to the OCC's part 
4 FOIA regulations. The OCC did not receive any specific comments on 
the proposed FOIA amendments, and those changes will be reflected in 
this rulemaking to the extent they have not been superseded by the FOIA 
Improvement Act.\4\
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    \3\ Public Law 104-208, 110 Stat. 3009 (1996).
    \4\ 81 FR 13608 (March 14, 2016).
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    Finally, the OPEN FOIA Act of 2009 (the OPEN FOIA Act),\5\ limited 
Exemption 3, which applies to information specifically exempted by 
statute. To be exempt under Exemption 3 following the OPEN FOIA Act, 
information must be exempt pursuant to a statute that requires: (1) 
That the matters be withheld from the public in such a manner as to 
leave no discretion on the issue, or establishes particular criteria 
for withholding or refers to particular types of matters to be withheld 
and, (2) if enacted after the date of enactment of the OPEN FOIA Act, 
specifically cites to Exemption 3 of the FOIA. Previously, statutes did 
not need to specifically cite to Exemption 3 of the FOIA.
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    \5\ Public Law 111-83, 123 Stat. 2142, 2184 (2009).
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II. Description of the Interim Final Rule

    Twelve CFR part 4, subpart B, sets forth OCC policies regarding the 
availability of information under the FOIA and establishes procedures 
for requesters to follow when seeking information. This interim final 
rule amends 12 CFR part 4, subpart B, to implement the FOIA Improvement 
Act and the OPEN FOIA Act and to make technical changes to the 
regulations as a result of the OCC's EGRPRA review.

Section 4.11 Purpose and Scope

    As part of the EGRPRA proposed rule, the OCC proposed to remove 
Sec.  4.11(b)(4), which stated that the OCC's FOIA rules did not apply 
to FOIA requests filed with the former Office of Thrift Supervision 
(OTS) before July 21, 2011, because the OTS's rules would apply to 
those requests instead. The OCC adopted this provision when it amended 
part 4 to reflect the transfer of certain powers, authorities, rights, 
and duties of the OTS to the OCC pursuant to Title III of the Dodd-
Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank 
Act).\6\ There are no remaining open FOIA requests that had been 
submitted to the OTS prior to its integration with the OCC. Therefore, 
Sec.  4.11(b)(4) is no longer necessary and is removed by this interim 
final rule.
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    \6\ Public Law 111-203, 124 Stat. 1376 (2010).
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Section 4.12 Information Available Under the FOIA

    Pursuant to the Act, the interim final rule amends 12 CFR 4.12 to 
revise the language about the availability of records in subsection 
(a), consistent with the FOIA Improvement Act; limit the deliberative 
process exemption; expand the information segregation provisions; 
update 12 CFR 4.12(b)(3) to be consistent with the OPEN FOIA Act; and 
implement proposed clarifications from the EGRPRA review.
    Section 4.12(a) currently provides that OCC records are available 
to the public except for records that the FOIA exempts from disclosure. 
The FOIA Improvement Act adds new language to the statute that relates 
to an agency's decision to disclose information that is covered by an 
exemption. This language provides for the withholding of information 
pursuant to a FOIA exemption only if an agency ``reasonably foresees 
that disclosure would harm an interest protected by an exemption'' or 
if the disclosure is prohibited by law.\7\
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    \7\ 5 U.S.C. 552(a)(8)(A)(i).
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    These considerations will inform the OCC's future determinations 
about whether to disclose information covered by an exemption. 
Accordingly, the interim final rule removes the existing reference to 
``exempt records'' in subsection (a) and replaces it with the phrase 
``[e]xcept as otherwise provided by the FOIA.'' This language is broad 
enough to encompass the ``reasonable foreseeability'' and the 
``prohibited by law'' language added by the FOIA Improvement Act, and 
it encompasses the former reference to coverage by an exemption as 
well. Based on legislative history, in which the sponsors of the Act 
expressed their intent to preserve the longstanding protections 
afforded by Exemption 8,\8\ the OCC does not

[[Page 94242]]

anticipate that the Act or revised Sec.  4.12(a) will alter the 
application of FOIA Exemption 8, which protects matters that are 
``contained in or related to examination, operating, or condition 
reports prepared by, on behalf of, or for the use of an agency 
responsible for the regulation or supervision of financial 
institutions.'' \9\
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    \8\ The Senate Judiciary Committee report on the FOIA 
Improvement Act states that:
    Extreme care should be taken with respect to disclosure under 
Exemption 8 which protects matters that are `contained in or related 
to examination, operating, or condition reports prepared by, on 
behalf of, or for the use of an agency responsible for the 
regulation or supervision of financial institutions.' Currently, 
financial regulators rely on Exemption 8, and other relevant 
exemptions in Section 552(b), to protect sensitive information 
received from regulated entities, or prepared in connection with the 
regulation of such entities, in fulfilling their goals of ensuring 
safety and soundness of the financial system, compliance with 
federal consumer financial law, and promoting fair, orderly, and 
efficient financial markets.
    Exemption 8 was intended by Congress, and has been interpreted 
by the courts, to be very broadly construed to ensure the security 
of financial institutions and to safeguard the relationship between 
the banks and their supervising agencies. The D.C. Circuit has gone 
so far as to state that in Exemption 8 Congress has provided 
``absolute protection regardless of the circumstances underlying the 
regulatory agency's receipt or preparation of examination, operating 
or condition reports.'' Nothing in this legislation shall be 
interpreted to compromise the stability of any financial institution 
or the financial system, disrupt the operation of financial markets 
or undermine consumer protection efforts due to the release of 
confidential information about individuals or information that a 
financial institution may have, or encourage the release of 
confidential information about individuals. This legislation is not 
intended to lessen the protection under Exemption 8 created by 
Congress and traditionally afforded by the courts.
    S. Rep. No 114-4 (February 23, 2015).
    \9\ 5 U.S.C. 552(b)(8).
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    The interim final rule also amends the deliberative process 
exemption in Sec.  4.12(b)(5) to reflect the Act's limitations on 
records created 25 years or more before the date of an information 
request. Previously, the deliberative process exemption protected all 
intra-agency and interagency memoranda and letters not routinely 
available by law to a private party in litigation, including memoranda, 
reports, and other documents prepared by OCC employees and records of 
deliberations and discussions at meetings of OCC employees. After the 
change, the deliberative process provision as amended by the interim 
final rule will exempt only those memoranda and letters created within 
25 years of the date on which they were requested.
    Additionally, although the OCC's rules already provide for the 
separation and provision of nonexempt information, the interim final 
rule clarifies that, in cases in which full disclosure is not possible, 
the OCC considers whether partial disclosure of information is possible 
and takes reasonable steps necessary to segregate and release nonexempt 
information. This provision is consistent with current OCC practice.
    The interim final rule also amends Sec.  4.12(b)(3) to reflect the 
OPEN FOIA Act provision that requires that statutes enacted after the 
date of the enactment of the OPEN FOIA Act must specifically cite to 
Exemption 3 of the FOIA in order to qualify under Exemption 3. The OPEN 
FOIA Act was enacted on October 28, 2009, so the requirement applies to 
statutes enacted after that date.
    Finally, the interim final rule adopts the changes to Sec.  4.12(a) 
and (b) that the OCC proposed as part of its EGRPRA review. Previously, 
Sec.  4.12(b)(10) exempted from disclosure any OTS information similar 
to that listed in the exemptions in Sec.  4.12(b)(1) to (b)(9) to the 
extent the information is in the possession of the OCC. For purposes of 
clarification, we are amending the Sec.  4.12(a) disclosure standard so 
that it applies to OTS records, in addition to OCC records, and 
removing the resulting unnecessary exemption in paragraph (b)(10).

Section 4.14 Public Inspection in an Electronic Format

    Section 4.14(a) lists the types of information the OCC makes 
available for public inspection. Consistent with the Act's amendments 
to 5 U.S.C. 552(a)(2), the interim final rule adds two categories of 
information to Sec.  4.14(a). New Sec.  4.14(a)(11) specifies that the 
OCC will make available for public inspection in an electronic format 
any records, regardless of form or format, that have been released to 
any person under 5 U.S.C. 552(a)(3) provided that: (1) The OCC 
determines that, because of the nature of their subject matter, the 
records are or are likely to become the subject of subsequent requests 
for substantially the same record; or (2) the records have been 
requested three or more times.
    New Sec.  4.14(a)(12) states that the OCC will provide reference 
materials or a guide for requesting records or information from the 
OCC, including an index of all major OCC information systems, a 
description of major information and record locator systems maintained 
by the OCC, and a handbook for obtaining various types and categories 
of public information from the OCC pursuant to FOIA and chapter 35 of 
title 44.
    Finally, the interim final rule makes clarifying and conforming 
changes to Sec.  4.14, including amending Sec.  4.14(a) and (b) to 
specify that information will be made available for public inspection 
in an electronic format to implement section 2 of the Act.

Section 4.15 How To Request Records

    Pursuant to the Act, the interim final rule amends Sec.  4.15, 
which describes the process for requesting OCC records. Specifically, 
to implement section 2 of the Act, the interim final rule amends Sec.  
4.15(c)(4) to specify that if a request for information is denied, the 
OCC will notify the requester of the right to seek dispute resolution 
services from the OCC's FOIA Public Liaison or the Office of Government 
Information Services through the processes described in new Sec.  
4.15(h).
    Pursuant to the Act's amendments to 5 U.S.C. 552(a)(6)(A)(i), the 
interim final rule also extends the time available for administrative 
appeal of a denial to release records from 35 days to 90 days. Under 
new Sec.  4.15(d), requesters will have 90 days after the date of an 
initial denial determination to submit a written administrative appeal 
of denial of a request for records.
    Additionally, the interim final rule expands Sec.  4.15(f), which 
addresses the time limits for FOIA request responses and provides for 
extensions in certain situations, including a 10-day extension for 
unusual circumstances.\10\ Pursuant to the Act's amendments to 5 U.S.C. 
552(a)(6)(A)(i), the interim final rule adds a new Sec.  4.15(f)(4) 
that provides additional information and alternatives for requesters 
when the OCC determines that a request will require more than a 10-day 
extension to process. Under this provision, if unusual circumstances 
apply to a request for records, and the OCC determines that it cannot 
respond to the request within the 10-day extension, the OCC will: (1) 
Notify the requester that the request cannot be processed within the 
10-day extension; (2) provide the requester with an opportunity to 
limit the scope of the request so that it may be processed within the 
10-day period or to arrange with the OCC an alternative time frame for 
processing the request or a modified request; (3) make available the 
FOIA Public Liaison, who shall assist in the resolution of any disputes 
between the requester and the OCC; and (4) notify the requester of the 
right of the requester to seek dispute resolution services from the 
Office of Government Information Services.
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    \10\ 12 CFR 4.15(f)(3)(i).
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    Finally, the interim final rule makes other clarifying and 
conforming changes to Sec.  4.15, including amending Sec.  4.15(d)(4) 
to specify that the OCC will provide notification of a denial of an 
appeal ``in writing,'' rather than ``by mail.'' The OCC expects this 
change will provide greater flexibility and efficiency

[[Page 94243]]

by permitting other forms of communication, such as electronic mail. 
The interim final rule also amends Sec.  4.15 to provide updated 
contact information for the Office of Management and Budget's (OMB) 
request portal, the OCC's Chief FOIA Officer, and the Federal Deposit 
Insurance Corporation.

Section 4.17 FOIA Request Fees

    Section 4.17 provides information for the assessment and payment of 
FOIA request fees. As stated in Sec.  4.17(b)(1), the OCC generally 
charges fees to fulfill FOIA requests. However, Sec.  4.17(b)(6) 
provided that the OCC will not assess search or duplication fees, as 
applicable, if the OCC did not respond within the time limits set forth 
in Sec.  4.15(f) and no unusual or exceptional circumstances applied. 
The FOIA Improvement Act provided additional information about the 
circumstances in which an agency may charge search or duplication fees 
if the agency does not meet the time limits provided by the FOIA. Thus, 
pursuant to the Act, the interim final rule amends Sec.  4.17(b)(6) to 
update the circumstances in which the OCC is permitted to assess search 
or duplication fees, even if the OCC does not respond within the Sec.  
4.15(f) time limits.
    For example, amended Sec.  4.17(b)(6) permits the OCC to assess 
search or duplication fees if the OCC has determined ``unusual 
circumstances'' (as defined in Sec.  4.15(f)(3)(i)) apply, has provided 
timely written notice to the requester, and complies with the extended 
time limit.\11\ The interim final rule also permits the OCC to assess 
search or duplication fees if the OCC has determined that unusual 
circumstances apply and more than 5,000 pages are necessary to respond 
to the request. In such a situation, the OCC must provide a timely 
written notice to the requester in accordance with 5 U.S.C. 
552(a)(6)(B) and discuss with the requester via written mail, 
electronic mail, or telephone (or make not less than three good-faith 
attempts to do so) how the requester could effectively limit the scope 
of the request in accordance with 5 U.S.C. 552(a)(6)(B)(ii). Finally, 
if a court has determined that exceptional circumstances (as defined in 
5 U.S.C. 552(a)(6)(C)) apply to the processing of a request, the OCC 
may assess search or duplication fees for the length of time provided 
by the court order.
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    \11\ Section 4.15(f)(3)(i) states that the OCC may extend the 
time limits in unusual circumstances for a maximum of 10 business 
days. If the OCC extends the time limits, the OCC provides written 
notice to the person making the request or appeal, containing the 
reason for the extension and the date on which the OCC expects to 
make a determination. Unusual circumstances exist when the OCC 
requires additional time to: Search for and collect the requested 
records from field facilities or other buildings that are separate 
from the office processing the request or appeal; search for, 
collect, and appropriately examine a voluminous amount of requested 
records; consult with another agency that has a substantial interest 
in the determination of the request; or allow two or more components 
of the OCC that have substantial interest in the determination of 
the request to consult with each other. . . .''
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    The interim final rule also updates the payment of fees contact 
information listed in Sec.  4.17(c).

Section 4.18 How To Track a FOIA Request

    The interim final rule makes a technical amendment to Sec.  4.18(b) 
to provide updated contact information for the OCC's Communications 
Division that requesters may use to track the progress of their 
requests.

III. Effective Date/Request for Comment

    The OCC is issuing the interim final rule without prior notice and 
the opportunity for public comment and the 30-day delayed effective 
date ordinarily prescribed by the Administrative Procedure Act 
(APA).\12\ Pursuant to section 553(b)(B) of the APA, general notice and 
the opportunity for public comment are not required with respect to a 
rulemaking when an ``agency for good cause finds (and incorporates the 
finding and a brief statement of the reasons therefor in the rule 
issued) that notice and public procedure thereon are impracticable, 
unnecessary, or contrary to the public interest.'' \13\ The interim 
final rule's changes to 12 CFR part 4 are limited to technical changes 
and those that are necessary to implement the provisions of the FOIA 
Improvement Act and OPEN FOIA Act. Because the OCC is not exercising 
discretion with respect to the interim final rule's substantive 
revisions that implement the Act, the OCC believes the public interest 
is best served by implementing the interim final rule as soon as 
possible.
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    \12\ 5 U.S.C. 553.
    \13\ 5 U.S.C. 553(b)(B).
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    In addition, the OCC believes that providing a notice and comment 
period prior to issuance of the interim final rule is unnecessary 
because the OCC does not expect public objection to the regulations 
being promulgated, as this rule implements the substantive changes 
specified in the Act and technical, non-substantive updates and 
clarifications to part 4. Moreover, the OCC expects that the majority 
of the changes will provide additional services and critical updates 
that will assist FOIA requesters.
    The APA also requires a 30-day delayed effective date, except for 
(1) substantive rules that grant or recognize an exemption or relieve a 
restriction; (2) interpretative rules and statements of policy; or (3) 
as otherwise provided by the agency for good cause.\14\ The OCC 
concludes that, because the rules recognize an exemption, the interim 
final rule is exempt from the APA's delayed effective date 
requirement.\15\ Additionally, the OCC finds good cause to publish the 
interim final rule with an immediate effective date for the same 
reasons set forth above under the discussion of section 553(b)(B) of 
the APA.
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    \14\ 5 U.S.C. 553(d).
    \15\ 5 U.S.C. 553(d)(1).
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    Pursuant to section 302(a) of the Riegle Community Development and 
Regulatory Improvement Act (RCDRIA),\16\ in determining the effective 
date and administrative compliance requirements for a new regulation 
that imposes additional reporting, disclosure, or other requirements on 
insured depository institutions (IDIs), the OCC must consider any 
administrative burdens that such regulation would place on depository 
institutions and the benefits of such regulation. In addition, section 
302(b) of the RCDRIA requires any such new regulation to take effect on 
the first day of a calendar quarter that begins on or after the date on 
which the regulation is published in final form, with certain 
exceptions, including for good cause. The OCC has considered the 
administrative burdens that such regulations would place on 
institutions and the benefits of such regulations in determining the 
effective date and compliance requirements. Due to the nature of the 
rule's changes to the OCC's existing FOIA regulations, the interim 
final rule does not impose additional reporting, disclosure, or other 
requirements on IDIs, and section 302 of the RCDRIA therefore does not 
apply. Therefore, for the same reasons set forth above under the 
discussion of section 553(b)(B) of the APA, the OCC finds good cause 
exists under section 302 of RCDRIA to publish the interim final rule 
with an immediate effective date.
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    \16\ 12 U.S.C. 4802(a).
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    While the OCC believes there is good cause to issue the rule 
without notice and comment and with an immediate effective date, the 
OCC is interested in the views of the public and requests comment on 
all aspects of the interim final rule.

[[Page 94244]]

IV. Regulatory Flexibility Act

    The Regulatory Flexibility Act (RFA) \17\ applies only to rules for 
which an agency publishes a general notice of proposed rulemaking 
pursuant to 5 U.S.C. 553(b). As discussed above, consistent with 
section 553(b)(B) of the APA, the agencies have determined for good 
cause that general notice and opportunity for public comment is not 
necessary. Accordingly, the RFA's requirements relating to initial and 
final regulatory flexibility analysis do not apply.
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    \17\ Public Law 96-354, Sept. 19, 1980, codified to 5 U.S.C. 601 
et seq.
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V. Paperwork Reduction Act

    The Paperwork Reduction Act of 1995 \18\ states that no agency may 
conduct or sponsor, nor is the respondent required to respond to, an 
information collection unless it displays a currently valid OMB control 
number. Because the interim final rule does not create a new, or revise 
an existing, collection of information, no information collection 
request submission needs to be made to the OMB.
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    \18\ 44 U.S.C. 3501-3521.
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VI. OCC Unfunded Mandates Reform Act of 1995 Determination

    Consistent with section 202 of the Unfunded Mandates Reform Act of 
1995,\19\ before promulgating any final rule for which a general notice 
of proposed rulemaking was published, the OCC prepares an economic 
analysis of the final rule. As discussed above, the OCC has determined 
that the publication of a general notice of proposed rulemaking was 
unnecessary. Accordingly, the OCC has not prepared an economic analysis 
of the joint interim final rules.
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    \19\ 2 U.S.C. 1532.
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List of Subjects in 12 CFR Part 4

    Administrative practice and procedure, Freedom of information, 
Individuals with disabilities, Minority businesses, Organization and 
functions (Government agencies), Reporting and recordkeeping 
requirements, Women.

Authority and Issuance

    For the reasons set forth in the preamble, the OCC hereby amends 12 
CFR part 4 as set forth below.

PART 4--ORGANIZATION AND FUNCTIONS, AVAILABILITY AND RELEASE OF 
INFORMATION, CONTRACTING OUTREACH PROGRAM, POST-EMPLOYMENT 
RESTRICTIONS FOR SENIOR EXAMINERS

0
1. The authority citation for part 4 continues to read as follows:

    Authority: 5 U.S.C. 301, 552; 12 U.S.C. 1, 93a, 161, 481, 482, 
484(a), 1442, 1462a, 1463, 1464, 1817(a), 1818, 1820, 1821, 1831m, 
1831p-1, 1831o, 1833e, 1867, 1951 et seq., 2601 et seq., 2801 et 
seq., 2901 et seq., 3101 et seq., 3401 et seq., 5321, 5412, 5414; 15 
U.S.C. 77uu(b), 78q(c)(3); 18 U.S.C. 641, 1905, 1906; 29 U.S.C. 
1204; 31 U.S.C. 5318(g)(2), 9701; 42 U.S.C. 3601; 44 U.S.C. 3506, 
3510; E.O. 12600 (3 CFR, 1987 Comp., p. 235).


Sec.  4.11   [Amended]

0
2. Section 4.11 is amended by removing paragraph (b)(4).

0
3. Section 4.12 is amended by:
0
a. Revising paragraphs (a), (b)(3), and (b)(5);
0
b. In paragraph (b)(8), adding ``and'' at the end;
0
c. In paragraph (b)(9), removing ``; and'' at the end and adding in its 
place a period;
0
d. Removing paragraph (b)(10); and
0
e. Revising the first sentence of paragraph (d).
    The revisions read as set forth below.


Sec.  4.12  Information available under the FOIA.

    (a) General. Except as otherwise provided by the FOIA, OCC and 
Office of Thrift Supervision (OTS) records are available to the public.
    (b) * * *
    (3) A record specifically exempted from disclosure by statute 
(other than 5 U.S.C. 552b), provided that the statute requires that the 
matters be withheld from the public in such a manner as to leave no 
discretion on the issue; establishes particular criteria for 
withholding, or refers to particular types of matters to be withheld; 
and, if enacted after the date of enactment of the OPEN FOIA Act of 
2009, specifically cites to 5 U.S.C. 552(b)(3);
* * * * *
    (5) An intra-agency or interagency memorandum or letter not 
routinely available by law to a private party in litigation, including 
memoranda, reports, and other documents prepared by OCC employees, and 
records of deliberations and discussions at meetings of OCC employees, 
provided that the deliberative process privilege shall not apply to 
records created 25 years or more before the date on which the records 
were requested;
* * * * *
    (d) * * * If the OCC determines that full disclosure of a requested 
record is not possible, the OCC considers whether partial disclosure of 
information is possible and takes reasonable steps necessary to 
segregate and release nonexempt information. * * *

0
4. Section 4.14 is amended by:
0
a. Revising the section heading and paragraphs (a) and (c); and
0
b. Amending paragraph (b) by removing the phrase ``and copying'', and 
adding in its place ``in an electronic format''.
    The revisions read as set forth below.


Sec.  4.14   Public inspection in an electronic format.

    (a) Available information. Subject to the exemptions listed in 
Sec.  4.12(b), the OCC makes the following information available for 
public inspection in an electronic format:
    (1) Any final order, agreement, or other enforceable document 
issued in the adjudication of an OCC enforcement case, including a 
final order published pursuant to 12 U.S.C. 1818(u);
    (2) Any final opinion issued in the adjudication of an OCC 
enforcement case;
    (3) Any statement of general policy or interpretation of general 
applicability not published in the Federal Register;
    (4) Any administrative staff manual or instruction to staff that 
may affect a member of the public as such;
    (5) A current index identifying the information referred to in 
paragraphs (a)(1) through (a)(4) of this section issued, adopted, or 
promulgated after July 4, 1967;
    (6) A list of available OCC publications;
    (7) A list of forms available from the OCC, and specific forms and 
instructions; \1\
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    \1\ Some forms and instructions that national banks and Federal 
savings associations use are not available from the OCC. The OCC 
will provide information on where persons may obtain these forms and 
instructions upon request.
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    (8) Any public Community Reinvestment Act performance evaluation;
    (9) Any public securities-related filing required under parts 11, 
16, 194 or 197 of this chapter;
    (10) Any public comment letter regarding a proposed rule;
    (11) Any records, regardless of form or format, that have been 
released to any person under 5 U.S.C. 552(a)(3) provided that:
    (i) The OCC determines that, because of the nature of their subject 
matter, the

[[Page 94245]]

records are or are likely to become the subject of subsequent requests 
for substantially the same records; or
    (ii) The records have been requested three or more times;
    (12) Reference materials or a guide for requesting records or 
information from the OCC, including an index of all major OCC 
information systems, a description of major information and record 
locator systems maintained by the OCC, and a handbook for obtaining 
various types and categories of public information from the OCC 
pursuant to FOIA and chapter 35 of title 44;
    (13) The public file (as defined in 12 CFR 5.9) with respect to a 
pending application described in part 5 of this chapter; and
    (14) Any OTS information similar to that listed in paragraphs 
(a)(1) through (a)(13) of this section, to the extent this information 
is in the possession of the OCC.
* * * * *
    (c) Addresses. The information described in paragraphs (a)(1) 
through (14) of this section is available from the Chief FOIA Officer, 
Communications Division, Office of the Comptroller of the Currency, 400 
7th Street SW., Washington, DC 20219. The information described in 
paragraph (a)(13) of this section in the case of both national banks 
and Federal savings associations is available from the Licensing 
Manager at the appropriate district office at the address listed in 
Sec.  4.5(a), or in the case of national banks and Federal savings 
associations supervised by the Large Bank Supervision Department, from 
the Large Bank Licensing Expert, Licensing Division, Office of the 
Comptroller of the Currency, 400 7th Street SW., Washington, DC 20219.

0
5. Section 4.15 is amended by:
0
a. Revising paragraph (b)(1), and revising paragraph (b)(2)(i) 
introductory text;
0
b. Revising paragraphs (c)(2), (c)(4), and (d)(1) and (4);
0
c. Removing ``Saturday'' in paragraph (f)(1) and adding it its place 
``Saturdays'';
0
d. Adding paragraph (f)(4);
0
e. Republishing paragraph (g); and
0
f. Adding paragraph (h).
    The additions and revisions read as set forth below.


Sec.  4.15   How to request records.

* * * * *
    (b) * * * (1) General. Except as provided in paragraph (b)(2) of 
this section, a person requesting a record or filing an administrative 
appeal must submit the request or appeal:
    (i) Through the OCC's FOIA Web portal at https://foia-pal.occ.gov/palMain.aspx;
    (ii) Through the consolidated online request portal maintained by 
the Office of Management and Budget pursuant to 5 U.S.C. 552(m)(1); or
    (iii) Under this section to the Chief FOIA Officer, Communications 
Division, Office of the Comptroller of the Currency, 400 7th Street 
SW., Washington, DC 20219.
    (2) Exceptions--(i) Records at the Federal Deposit Insurance 
Corporation. A person requesting any of the following records, other 
than blank forms (see Sec.  4.14(a)(7)), must submit the request to the 
FDIC, Legal Division, FOIA/PA Group, 550-17th Street NW., Washington, 
DC 20429, or fax to (703) 562-2797:
* * * * *
    (c) * * *
    (2) Initial determination. The Comptroller or the Comptroller's 
delegate initially determines whether to grant a request for OCC 
records and notifies the requester, in accordance with the time limits 
set forth in paragraph (f) of this section, of the determination and 
the reasons therefore and of the right to seek assistance from the 
OCC's FOIA Public Liaison.
* * * * *
    (4) If request is denied. If the OCC denies a request for records, 
in whole or in part, the OCC will notify the requester in writing. The 
notification is dated and contains a brief statement of the reasons for 
the denial, sets forth the name and title or position of the official 
making the decision, advises the requester of the right to seek dispute 
resolution services from the OCC's FOIA Public Liaison or the Office of 
Government Information Services, and advises the requester of the right 
to appeal to the Comptroller of the Currency in accordance with 
paragraph (d) of this section.
    (d) Administrative appeal of a denial--(1) Procedure. A requester 
must submit an administrative appeal of denial of a request for records 
in writing within 90 days after the date of the initial determination. 
The appeal must include the circumstances and arguments supporting 
disclosure of the requested records.
* * * * *
    (4) If appeal is denied. If the OCC denies an appeal, in whole or 
in part, the OCC notifies the requester in writing. The notification 
contains a brief statement of the reasons for the denial, sets forth 
the name and title or position of the official making the decision, and 
advises the requester of the right to judicial review of the denial 
under 5 U.S.C. 552(a)(4)(B).
* * * * *
    (f) * * *
    (4) Requests that require more than a 10-day extension to process. 
If the OCC determines unusual circumstances apply to a request for 
records, and the OCC determines it cannot respond to the request within 
the 10-day extension set forth in paragraph (f)(3)(i) of this section, 
the OCC will:
    (i) Notify the requester that the request cannot be processed 
within the time limit set forth in paragraph (f)(3)(i) of this section;
    (ii) Provide the requester with an opportunity to limit the scope 
of the request so that it may be processed within that 10-day period or 
to arrange with the OCC an alternative time frame for processing the 
request or a modified request;
    (iii) Make available the FOIA Public Liaison, who shall assist in 
the resolution of any disputes between the requester and the OCC; and
    (iv) Notify the requester of the right of the requester to seek 
dispute resolution services from the Office of Government Information 
Services.
    (g) Date of receipt of request or appeal. The date of receipt of a 
request for records or an appeal is the date that Disclosure Services, 
Communications Division receives a request that satisfies the 
requirements of paragraph (c)(1) or (d)(1) of this section, except as 
provided in Sec.  4.17(d).
    (h) Dispute resolution services. Requesters with concerns about the 
handling of their FOIA requests may contact the FOIA Public Liaison or 
the Office of Government Information Services for dispute resolution 
services.
    (1) To apply for dispute resolution assistance from the FOIA Public 
Liaison, requesters should submit a written request to the FOIA Public 
Liaison, Communications Division, Office of the Comptroller of the 
Currency, 400 7th Street SW., Washington, DC 20219.
    (2) For dispute resolution services through the Office of 
Government Services, requesters should contact the Office of Government 
Services as set forth at 36 CFR 1250.32.

0
6. Section 4.17 is amended by:
0
a. Revising paragraph (b)(6); and
0
b. Amending paragraph (c)(1) by removing the phrase ``Communications 
Division'', and adding in its place the phrase ``Financial Management, 
Accounts Receivable''.
    The revisions read as set forth below.


Sec.  4.17  FOIA request fees.

* * * * *

[[Page 94246]]

    (b) * * *
    (6) No fee if the time limit passes and the OCC has not responded 
to the request. The OCC will not assess search or duplication fees, as 
applicable, if it fails to respond to a requester's FOIA request within 
the time limits specified under 5 U.S.C. 552(a)(6) and 12 CFR 4.15(f), 
except as follows:
    (i) Unusual circumstances--(A) General. If the OCC has determined 
that unusual circumstances (as defined in 5 U.S.C. 552(a)(6)(B) and 
Sec.  4.15(f)(3)(i)) apply and the OCC provides timely written notice 
to the requester in accordance with 5 U.S.C. 552(a)(6)(B), the OCC may 
assess search or duplication fees, as applicable, for an additional 10 
days. If the OCC fails to comply with the extended time limit, the OCC 
will not assess any search or duplication fees, as applicable.
    (B) Voluminous Requests. Notwithstanding paragraph (b)(6)(i)(A) of 
this section, if the OCC has determined that unusual circumstances (as 
defined in 5 U.S.C. 552(a)(6)(B) and Sec.  4.15(f)(3)(i)) apply and 
more than 5,000 pages are necessary to respond to the request, the OCC 
may assess search or duplication fees, as appropriate, if the OCC 
provides a timely written notice to the requester in accordance with 5 
U.S.C. 552(a)(6)(B) and discusses with the requester via written mail, 
electronic mail, or telephone (or makes not less than three good-faith 
attempts to do so) how the requester could effectively limit the scope 
of the request in accordance with 5 U.S.C. 552(a)(6)(B)(ii).
    (ii) In exceptional circumstances. If a court has determined that 
exceptional circumstances (as defined in 5 U.S.C. 552(a)(6)(C)) apply 
to the processing of a request, the OCC may assess search or 
duplication fees, as applicable, for the length of time provided by the 
court order.
* * * * *


Sec.  4.18   [Amended]

0
7. Section 4.18 is amended by:
0
a. In paragraph (a), removing the word ``Department'' and adding in its 
place the word ``Division'', wherever it appears; and
0
b. In paragraph (b), removing the phrase ``Disclosure Officer'', and 
adding in its place the phrase ``Chief FOIA Officer''.

    Dated: December 14, 2016.
Thomas J. Curry,
Comptroller of the Currency.
[FR Doc. 2016-30725 Filed 12-22-16; 8:45 am]
 BILLING CODE P