[Federal Register Volume 88, Number 53 (Monday, March 20, 2023)]
[Rules and Regulations]
[Pages 16531-16543]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2023-05216]



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 Rules and Regulations
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 This section of the FEDERAL REGISTER contains regulatory documents 
 having general applicability and legal effect, most of which are keyed 
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  Federal Register / Vol. 88, No. 53 / Monday, March 20, 2023 / Rules 
and Regulations  

[[Page 16531]]



BUREAU OF CONSUMER FINANCIAL PROTECTION

12 CFR Chapter X


Agency Contact Information

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Final rule; technical corrections.

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SUMMARY: The Consumer Financial Protection Bureau (Bureau or CFPB) is 
issuing this final rule to make non-substantive corrections and updates 
to Bureau and other Federal agency contact information found at certain 
locations in Regulations B, E, F, J, V, X, Z, and DD, including Federal 
agency contact information that must be provided with Equal Credit 
Opportunity Act adverse action notices and the Fair Credit Reporting 
Act Summary of Consumer Rights. This final rule also revises the 
chapter heading, makes various non-substantive changes to Regulations B 
and V, and provides a Bureau website address where the public may 
access certain APR tables referenced in Regulation Z.

DATES: The rule is effective April 19, 2023. However, the mandatory 
compliance date for the amendments to appendix A to Regulation B, 
appendix A to Regulation J, and appendix K to Regulation V is March 20, 
2024. See part V for more information.

FOR FURTHER INFORMATION CONTACT: Luke Diamond, Counsel; Ruth Van 
Veldhuizen, Senior Counsel, Office of Regulations, at 202-435-7700 or 
https://reginquiries.consumerfinance.gov/. If you require this document 
in an alternative electronic format, please contact 
[email protected].

SUPPLEMENTARY INFORMATION: 

I. Summary of Final Rule

    The Bureau is making non-substantive corrections and updates to 
Federal agency contact information located in several regulations. This 
includes correcting the zip code in the Bureau's mailing address found 
at certain locations in Regulations B, E, J, Z, and DD; replacing the 
name of a former Bureau division specified at certain locations in 
Regulations B, E, F, X, and Z with the name of a new, expanded Bureau 
division or updating references to officials of the former division to 
instead refer more generally to Bureau officials; and updating other 
Federal agency contact information in appendix A to Regulation B, which 
must be included in Equal Credit Opportunity Act (ECOA) adverse action 
notices, and appendix K to Regulation V, which contains the model form 
of the Fair Credit Reporting Act (FCRA) Summary of Consumer Rights. The 
Bureau is also changing the header of 12 CFR chapter X from ``Bureau of 
Consumer Financial Protection'' to ``Consumer Financial Protection 
Bureau,'' and making various non-substantive corrections in Regulations 
B and V. Finally, the Bureau is updating the comment for appendix J to 
Regulation Z in the Official Interpretations of Regulation Z to add a 
URL (website address) at which the public may access a new Bureau 
website that contains certain APR tables. Previously, the public could 
only request the tables from the Bureau at its postal mailing address.
    In Regulation B, implementing ECOA, the Bureau is amending appendix 
A, which contains Federal agency contact information that creditors 
must include in ECOA adverse action notices.\1\ The Bureau is 
correcting the contact information in appendix A for the following 
agencies: the Bureau; the Office of the Comptroller of the Currency 
(OCC); the Federal Deposit Insurance Corporation (FDIC); the National 
Credit Union Administration (NCUA); the Department of Transportation 
(DOT); the Surface Transportation Board (STB); the United States 
Department of Agriculture, Agricultural Marketing Service (USDA-AMS); 
the United States Small Business Administration (SBA); the Securities 
and Exchange Commission (SEC); and the Federal Trade Commission (FTC). 
The Bureau is also correcting its own contact information in appendix 
D, which sets forth the process by which entities may request official 
Bureau interpretations of Regulation B, and removing an obsolete 
sentence located in section 1002.9(b)(1).
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    \1\ In appendix A to Regulation B and appendix K to Regulation 
V, the contact information for some agencies includes a specific 
office (such as the OCC's Customer Assistance Group and the USDA-
AMS's Packers and Stockyards Division). References to agencies in 
this notice mean the specific office of that agency if an office is 
designated in the relevant appendix.
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    In Regulation E, implementing the Electronic Fund Transfer Act 
(EFTA), the Bureau is correcting and updating its own contact 
information in appendix C, which sets forth the process by which 
entities may request official Bureau interpretations of Regulation E. 
Appendix C to Regulation E currently designates the ``Associate 
Director and other officials of the Division of Research, Markets, and 
Regulations'' as the officials authorized under the Act to issue 
official interpretations. Because the Division of Research, Markets, 
and Regulations no longer exists, the Bureau is updating this language 
to reflect that fact, and instead indicate more generally that ``duly 
authorized officials of the Bureau'' may provide official 
interpretations of Regulation E.
    In Regulation F, implementing the Fair Debt Collection Practices 
Act (FDCPA), the Bureau is correcting its own contact information in 
appendix A, which sets forth the process by which States may apply to 
the Bureau to exempt a class of debt collection practices from the 
requirements of the FDCPA and Regulation F, and in the introduction 
section of Supplement I, which sets forth the process by which entities 
can request official interpretations of Regulation F.
    In Regulation J, implementing the Interstate Land Sales Full 
Disclosure Act (ILSA), the Bureau is correcting its own contact 
information in appendix A, which contains model forms and clauses that 
land developers must provide to prospective land buyers under certain 
circumstances.
    In Regulation V, implementing the FCRA, the Bureau is amending the 
model form in appendix K for the Summary of Consumer Rights. Consumer 
reporting agencies must provide a Summary of Consumer Rights when 
making a written disclosure of information from a consumer's file or 
providing a credit score to a consumer, and the FCRA also requires 
certain other persons to provide a Summary of Consumer Rights to 
consumers under specified circumstances. The Bureau is correcting the 
contact information in the Summary of Consumer Rights model

[[Page 16532]]

form for the following agencies: the OCC, FDIC, NCUA, DOT, STB, USDA-
AMS, and SBA. The Bureau is also amending the Summary of Consumer 
Rights model form to update references to obsolete business types and 
to make other technical corrections.
    In Regulation X, implementing the Real Estate Settlement Procedures 
Act (RESPA), the Bureau is correcting its own contact information in 
the definition of ``Public Guidance Documents'' in section 1024.2(b), 
which contains the procedure by which entities can request copies of 
public guidance documents from the Bureau, and in the introduction 
section of Supplement I, which sets forth the process by which entities 
can request official interpretations of Regulation X.
    In Regulation Z, implementing the Truth in Lending Act (TILA), the 
Bureau is correcting its own contact information in appendices A, B, 
and C. Appendix A sets forth the process by which States may request a 
determination from the Bureau regarding whether a State law is 
inconsistent with or substantially the same as TILA and Regulation Z. 
Appendix B sets forth the process by which States may apply to the 
Bureau to exempt a class of transactions from the requirements of TILA 
and Regulation Z. Appendix C sets forth the process by which entities 
may request official Bureau interpretations of Regulation Z. The Bureau 
is also correcting its own contact information in the comment for 
appendix J, located in the Official Interpretations in Supplement I. 
Appendix J sets forth the actuarial equations and instructions for 
calculating the annual percentage rate in closed-end credit 
transactions. The Bureau maintains Annual Percentage Rate Tables to 
assist in performance of these calculations, and the comment for 
appendix J in the Official Interpretations describes a process that 
entities may use to request these tables from the Bureau. In addition 
to correcting the Bureau's zip code in its postal address provided 
there, the Bureau now makes the tables available to the public on its 
website and is updating the comment to appendix J in the Official 
Interpretations to add a URL at which the public may access the 
website.
    In Regulation DD, implementing the Truth in Savings Act (TISA), the 
Bureau is correcting its own contact information in appendix C, which 
sets forth the process by which States may request a determination from 
the Bureau regarding whether a State law is inconsistent with TISA and 
Regulation DD.

II. Background

    As of July 21, 2011, title X of the Dodd-Frank Wall Street Reform 
and Consumer Protection Act (Dodd-Frank Act) \2\ transferred rulemaking 
authority for several consumer financial protection laws from seven 
Federal agencies to the Bureau. In the process of republishing the 
regulations implementing those laws, an incorrect zip code (20006) was 
mistakenly included as part of postal address contact information for 
the Bureau. The error appears in a limited number of locations in 
appendices and supplements to Regulations B, E, J, Z, and DD, including 
in certain forms: the list of Federal agencies' contact information in 
appendix A to Regulation B, which must be included in adverse action 
notices under ECOA; and the Sample Receipt, Agent Certification and 
Cancellation Page, in appendix A to Regulation J, which must be 
delivered to prospective lot purchasers under ILSA. The correct postal 
address for the Bureau is: 1700 G Street NW, Washington, DC 20552.
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    \2\ Dodd-Frank Wall Street Reform and Consumer Protection Act, 
Public Law 111-203, tit. X, 124 Stat. 1376, 1955 (2010).
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    In addition, the Bureau recently completed an organizational 
realignment in which its Division of Research, Markets, and Regulations 
and portions of an office from another division were combined to create 
a new expanded division called Research, Monitoring, and Regulations. 
The Research, Markets, and Regulations' name appears in a limited 
number of locations in Regulations B, E, F, X, and Z, and needs to be 
updated.
    Finally, the Bureau has been in contact with other Federal agencies 
referenced in the Bureau's regulations to determine whether their 
contact information requires updating. Eight Federal agencies requested 
that the Bureau correct their contact information for the ECOA adverse 
action notices in appendix A to Regulation B, described above, and six 
Federal agencies requested that the Bureau correct their contact 
information in the model form of the Summary of Consumer Rights in 
appendix K to Regulation V. One Federal agency also requested that the 
Bureau update references to obsolete business types in the Summary of 
Consumer Rights. Updated contact information and other changes to these 
two appendices are described in more detail in the section-by-section 
analysis in part IV, below.

III. Legal Authority

Rulemaking Authority

    The Bureau is issuing this final rule pursuant to its authority 
under ECOA, EFTA, FDCPA, ILSA, FCRA, RESPA, TILA, TISA, and the Dodd-
Frank Act. Section 1022(b)(1) of the Dodd-Frank Act authorizes the 
Bureau to prescribe ``rules . . . as may be necessary or appropriate to 
. . . carry out the purposes and objectives of the Federal consumer 
financial laws, and prevent evasions thereof.'' ECOA, EFTA, FDCPA, 
ILSA, FCRA, RESPA, TILA, and TISA are all Federal consumer financial 
laws,\3\ and each statute additionally independently authorizes the 
Bureau to promulgate regulations.\4\ Accordingly, the Bureau has 
authority to issue regulations pursuant to ECOA, EFTA, FDCPA, ILSA, 
FCRA, RESPA, TILA, TISA, and the Dodd-Frank Act.
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    \3\ Dodd-Frank Act section 1002(14), 12 U.S.C. 5481(14) 
(defining ``Federal consumer financial law'' to include the 
``enumerated consumer laws''); Dodd-Frank Act section 1002(12), 12 
U.S.C. 5481(12) (defining ``enumerated consumer laws'' to include 
ECOA; EFTA, except with respect to section 920 of that Act; FDCPA; 
ILSA; FCRA, except with respect to sections 615(e) and 628 of that 
Act; RESPA; TILA; and TISA).
    \4\ Regulation B, 12 CFR part 1002, implements ECOA, 15 U.S.C. 
1691 et seq. pursuant to 15 U.S.C. 1691b. Regulation E, 12 CFR part 
1005, implements EFTA, 15 U.S.C. 1693 et seq. pursuant to 15 U.S.C. 
1693b. Regulation F, 12 CFR part 1006, implements the FDCPA, 15 
U.S.C. 1692 et seq. pursuant to 15 U.S.C. 1692l(d). Regulation J, 12 
CFR part 1010, implements ILSA, 15 U.S.C. 1701 et seq. pursuant to 
15 U.S.C. 1718. Regulation V, 12 CFR part 1022, implements the FCRA, 
15 U.S.C. 1681 et seq. pursuant to 15 U.S.C. 1681s(e). Regulation X, 
12 CFR part 1024, implements RESPA, 12 U.S.C. 2601 et seq. pursuant 
to 12 U.S.C. 2716(a). Regulation Z, 12 CFR part 1026, implements 
TILA, 15 U.S.C. 1601 et seq. pursuant to 15 U.S.C. 1604(a). 
Regulation DD, 12 CFR part 1030, implements 12 U.S.C. 4301 et seq. 
pursuant to 12 U.S.C. 4308.
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Procedural Requirements

    Under the Administrative Procedure Act, notice and opportunity for 
public comment are not required if the Bureau finds for good cause that 
notice and public comment are impracticable, unnecessary, or contrary 
to the public interest.\5\ The changes made in this rulemaking correct 
incorrect mailing addresses for the Bureau and other government 
agencies, correct typographical errors, or are similar technical 
amendments that do not alter the substance of the regulations. The 
Bureau believes there is minimal, if any, basis for substantive 
disagreement with these amendments. As to all of these changes, the 
Bureau finds that notice and public comment are unnecessary.
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    \5\ 5 U.S.C. 553(b).
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    For these reasons, the Bureau has determined that publishing a 
notice of proposed rulemaking and providing

[[Page 16533]]

opportunity for public comment are not required. Therefore, the 
amendments are adopted in final form.

IV. Section-by-Section Analysis

A. Regulation B

Section 1002.9 Notifications
9(b)
9(b)(1)
    Section 1002.9(b)(1) provides model language that satisfies certain 
disclosure requirements of 12 CFR 1002.9(a)(2) relating to adverse 
action notices. These notices must include Federal agency contact 
information located in appendix A to Regulation B. The final sentence 
of Sec.  1002.9(b)(1) permitted creditors to include Federal agency 
contact information as it appeared in an old version of appendix A 
until January 1, 2013. As that permission has now expired, the sentence 
is obsolete, and the Bureau is amending Sec.  1002.9(b)(1) to remove 
it.
Appendix A to Part 1002--Federal Agencies To Be Listed in Adverse 
Action Notices
    Appendix A to part 1002 provides a list of contact information for 
Federal agencies that creditors must include in adverse action notices 
pursuant to 12 CFR 1002.9(b)(1). To update Federal agencies' contact 
information and for the reasons discussed in part II, the Bureau is 
revising appendix A to part 1002.
1
    The Bureau is amending paragraph 1 to correct postal address 
contact information for the Bureau and the FTC. The zip code will be 
corrected in contact information for the Bureau and contact information 
for the FTC will be changed from ``FTC Regional Office for region in 
which the creditor operates or Federal Trade Commission, Equal Credit 
Opportunity, Washington, DC 20580'' to ``Federal Trade Commission, 
Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 
20580.''
2
2(a)
    The Bureau is amending paragraph 2(a) to correct postal address 
contact information for the OCC. The contact information will be 
changed from ``Office of the Comptroller of the Currency, Customer 
Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-
9050'' to ``Office of the Comptroller of the Currency, Customer 
Assistance Group, P.O. Box 53570, Houston, TX 77052.''
2(c)
    The Bureau is amending paragraph 2(c) to correct postal address 
contact information for the FDIC. The contact information will be 
changed from ``FDIC Consumer Response Center, 1100 Walnut Street, Box 
#11, Kansas City, MO 64106'' to ``Division of Depositor and Consumer 
Protection, National Center for Consumer and Depositor Assistance, 
Federal Deposit Insurance Corporation, 1100 Walnut Street, Box #11, 
Kansas City, MO 64106.''
2(d)
    The Bureau is amending paragraph 2(d) to correct postal address 
contact information for the NCUA. The contact information will be 
changed from ``National Credit Union Administration, Office of Consumer 
Protection, 1775 Duke Street, Alexandria, VA 22314'' to ``National 
Credit Union Administration, Office of Consumer Financial Protection, 
1775 Duke Street, Alexandria, VA 22314.''
3
    The Bureau is amending paragraph 3 to correct postal address 
contact information for the DOT. The contact information will be 
changed from ``Assistant General Counsel for Aviation Enforcement and 
Proceedings, Department of Transportation, 400 Seventh Street SW, 
Washington, DC 20590'' to ``Assistant General Counsel for Office of 
Aviation Consumer Protection, Department of Transportation, 1200 New 
Jersey Avenue SE, Washington, DC 20590.''
4
    The Bureau is amending paragraph 4 to correct postal address 
contact information for the STB. The contact information will be 
changed from ``Office of Proceedings, Surface Transportation Board, 
Department of Transportation, 1925 K Street NW, Washington, DC 20423'' 
to ``Office of Public Assistance, Governmental Affairs, and Compliance, 
Surface Transportation Board, 395 E Street SW, Washington, DC 20423.''
5
    The Bureau is amending paragraph 5 to correct contact information 
for the USDA-AMS. The contact information will be changed from 
``Nearest Packers and Stockyards Administration area supervisor'' to 
``Nearest Packers and Stockyards Division Regional Office.''
6
    The Bureau is amending paragraph 6 to correct postal office contact 
information for the SBA. The contact information will be changed from 
``Associate Deputy Administrator for Capital Access, United States 
Small Business Administration, 409 Third Street SW, 8th Floor, 
Washington, DC 20416'' to ``Associate Administrator, Office of Capital 
Access, United States Small Business Administration, 409 Third Street 
SW, Suite 8200, Washington, DC 20416.''
7
    The Bureau is amending paragraph 7 to correct postal address 
contact information for the SEC. The contact information will be 
changed from ``Securities and Exchange Commission, Washington, DC 
20549'' to ``Securities and Exchange Commission, 100 F Street NE, 
Washington, DC 20549.''
9
    The Bureau is amending paragraph 9 to correct postal address 
contact information for the FTC. The contact information will be 
changed from ``FTC Regional Office for region in which the creditor 
operates or Federal Trade Commission, Equal Credit Opportunity, 
Washington, DC 20580'' to ``Federal Trade Commission, Consumer Response 
Center, 600 Pennsylvania Avenue NW, Washington, DC 20580.''
Appendix D to Part 1002--Issuance of Official Interpretations
2
    Appendix D to part 1002 sets forth the process by which entities 
may request official Bureau interpretations of Regulation B that 
provide protections afforded under section 706(e) of ECOA. For reasons 
discussed in part II, the Bureau is amending paragraph 2 in appendix D 
to part 1002 to correct the zip code in postal address contact 
information for the Bureau and to replace the reference to the Division 
of Research, Markets, and Regulations with a reference to the new, 
expanded Division of Research, Monitoring, and Regulations.

B. Regulation E

Appendix C to Part 1005--Issuance of Official Interpretations
Requests for Issuance of Official Interpretations
    Appendix C to part 1005 sets forth the process by which entities 
may request official Bureau interpretations of Regulation E that 
provide protections afforded under section 916(d) of EFTA. For the 
reasons discussed in part II, the Bureau is amending appendix C to part 
1005 to correct the zip code in postal address contact information for 
the Bureau and to update the language

[[Page 16534]]

referring to officials of the former Research, Markets, and Regulations 
Division to instead indicate more generally that duly authorized 
officials of the Bureau may provide official interpretations of 
Regulation E.

C. Regulation F

Appendix A to Part 1006--Procedures for State Application for Exemption 
From the Provisions of the Act
II. Application
    Appendix A to part 1006 sets forth the process by which states may 
apply to the Bureau to exempt a class of debt collection practices 
within the applying State from the requirements of the FDCPA and 
Regulation F pursuant to section 817 of the FDCPA. For the reasons 
discussed in part II, the Bureau is amending appendix A to replace the 
reference to the Division of Research, Markets, and Regulations with a 
reference to the new, expanded Division of Research, Monitoring, and 
Regulations.
Supplement I to Part 1006--Official Interpretations
Introduction
    The introduction of Supplement I to part 1006 explains the purpose 
of the supplement and describes the procedure by which anyone may 
request an official interpretation of Regulation F. For the reasons 
discussed in part II, the Bureau is amending the introduction to 
Supplement I to replace the reference to the Division of Research, 
Markets, and Regulations with a reference to the new, expanded Division 
of Research, Monitoring, and Regulations. The Bureau is also changing 
the addressee to contact for official interpretations of Regulation F 
from Associate Director, Division of Research, Markets, and Regulations 
to Assistant Director, Office of Regulations, Division of Research, 
Monitoring, and Regulations, to maintain consistency with other Bureau 
regulations that reference the Assistant Director, Office of 
Regulations as the addressee for official interpretations.

D. Regulation J

Appendix A to Part 1010--Standard and Model Forms and Clauses
Section XXVII, Receipt, Agent Certification and Cancellation Page--
Sec.  1010.188(a)
    Appendix A to part 1010 provides Standard and Model Forms and 
Clauses required under Regulation J, which implements ILSA. Section 
1404(a)(1)(B) of ILSA prohibits the sale or lease of certain unexempted 
lots unless the purchaser is provided with a copy of a property report 
that contains certain representations about the lots and other 
information required under the Bureau's rules. Section 1010.118 of 
Regulation J requires that a receipt, agency certification, and 
cancellation page, formatted in accordance with section XXVII of 
appendix A, be attached to the property report. Included on this page 
is a notice that the buyer should notify the Bureau if the seller makes 
any representations contrary to those in the property report. For the 
reasons discussed in part II, the Bureau is amending section XXVII of 
appendix A to part 1010 to correct the zip code in postal address 
contact information for the Bureau.

E. Regulation V

Appendix K to Part 1022--Summary of Consumer Rights
    Appendix K to part 1022 provides the model form for the Summary of 
Consumer Rights, which explains certain major consumer rights under the 
FCRA. A consumer reporting agency must provide a Summary of Consumer 
Rights whenever it makes a written disclosure of information from a 
consumer's file or provides a credit score to the consumer.\6\ The FCRA 
also requires certain other persons to provide a Summary of Consumer 
Rights to consumers under specified circumstances.\7\ To update Federal 
agencies' contact information and for the reasons discussed in part II, 
the Bureau is amending appendix K to part 1022 to correct contact 
information provided for the OCC, FDIC, NCUA, DOT, STB, USDA-AMS, and 
SBA.
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    \6\ 15 U.S.C. 1681g(c)(2)(A) (requirement to provide a Summary 
of Consumer Rights with any written file disclosure). A consumer 
reporting agency must also provide an employer with a Summary of 
Consumer Rights before furnishing a consumer report for employment 
purposes. 15 U.S.C. 1681b(b)(1)(B) (requirement to provide a Summary 
of Consumer Rights with a report for employment purposes if the 
Summary of Consumer Rights has not been provided previously).
    \7\ See, e.g., 15 U.S.C. 1681b(b)(3) (generally requiring 
persons using a consumer report for employment purposes to provide 
the consumer with a Summary of Consumer Rights before taking any 
adverse action based on the report). The Bureau must also actively 
publicize the availability of the Summary of Consumer Rights, 
conspicuously post its availability on the Bureau's internet 
website, and promptly make it available to consumers, on request. 15 
U.S.C. 1681g(c)(1)(C).
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    Contact information for the OCC will be changed from ``Office of 
the Comptroller of the Currency, Customer Assistance Group, 1301 
McKinney Street, Suite 3450, Houston, TX 77010-9050'' to ``Office of 
the Comptroller of the Currency, Customer Assistance Group, P.O. Box 
53570, Houston, TX 77052.''
    Contact information for the FDIC will be changed from ``FDIC 
Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 
64106'' to ``Division of Depositor and Consumer Protection, National 
Center for Consumer and Depositor Assistance, Federal Deposit Insurance 
Corporation, 1100 Walnut Street, Box #11, Kansas City, MO 64106.''
    Contact information for the NCUA will be changed from ``National 
Credit Union Administration, Office of Consumer Financial Protection 
(OCFP), Division of Consumer Compliance Policy and Outreach, 1775 Duke 
Street, Alexandria, VA 22314'' to ``National Credit Union 
Administration, Office of Consumer Financial Protection, 1775 Duke 
Street, Alexandria, VA 22314.''
    Contact information for the DOT will be changed from ``Asst. 
General Counsel for Aviation Enforcement & Proceedings, Aviation 
Consumer Protection Division, Department of Transportation, 1200 New 
Jersey Avenue SE, Washington, DC 20590'' to ``Assistant General Counsel 
for Office of Aviation Consumer Protection, Department of 
Transportation, 1200 New Jersey Avenue SE, Washington, DC 20590.''
    Contact information for the STB will be changed from ``Office of 
Proceedings, Surface Transportation Board, Department of 
Transportation, 395 E Street SW, Washington, DC 20423'' to ``Office of 
Public Assistance, Governmental Affairs, and Compliance, Surface 
Transportation Board, 395 E Street SW, Washington, DC 20423.''
    Contact information for the USDA-AMS will be changed from ``Nearest 
Packers and Stockyards Administration area supervisor'' to ``Nearest 
Packers and Stockyards Division Regional Office.''
    Contact information for the SBA will be changed from ``Associate 
Deputy Administrator for Capital Access, United States Small Business 
Administration, 409 Third Street SW, Suite 8200, Washington, DC 20416'' 
to ``Associate Administrator, Office of Capital Access, United States 
Small Business Association, 409 Third Street SW, Suite 8200, 
Washington, DC 20416.''
    The Bureau is also amending the eighth row on page four of the 
model form in appendix K. This entry indicates that the FCA is a point 
of contact for information regarding certain Farm Credit System 
institutions. The FCA has requested that the Bureau update the language 
in appendix K because certain of the listed institutions, such as 
Federal land banks, no longer exist. Based on the FCA's request, the

[[Page 16535]]

Bureau is therefore changing the ``TYPE OF BUSINESS'' entry on the 
eighth row of page four from ``Federal Land Banks, Federal Land Bank 
Associations, Federal Intermediate Credit Banks, and Production Credit 
Associations'' to ``Institutions that are members of the Farm Credit 
System.'' \8\
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    \8\ At this time, the Bureau is not making a similar change to 
the language in appendix A to Regulation B because appendix A to 
Regulation B tracks specific language in ECOA regarding the Farm 
Credit Administration's enforcement authority. See 15 U.S.C. 
1691c(a)(6).
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    The Bureau is also making technical corrections to the text of the 
model form. The Bureau is correcting a misspelling of the word ``from'' 
on page two. The corrected text reads in relevant part: ``Unsolicited 
`prescreened' offers for credit and insurance must include a toll-free 
phone number you can call if you choose to remove your name and address 
from the lists these offers are based on.'' The Bureau is also 
correcting the punctuation of agencies' contact information to maintain 
consistent punctuation usage throughout the model form. For example, 
``100 F Street, N.E.'' will be changed to ``100 F Street NE.''

F. Regulation X

Section 1024.2 Definitions
2(b)
Public Guidance Documents
    Section 1024.2(b) contains definitions for terms used in Regulation 
X. Accordingly, the definition of ``Public Guidance Documents'' in 
section 1024.2(b) sets forth the definition of that term, as it is used 
in Regulation X. In addition, it provides a Bureau mailing address by 
which anyone may request copies of public guidance documents from the 
Bureau. The Bureau is amending the definition of ``Public Guidance 
Documents'' to replace the reference to the Division of Research, 
Markets, and Regulations with a reference to the new, expanded Division 
of Research, Monitoring, and Regulations. The Bureau is also changing 
the addressee to contact for copies of public guidance documents from 
Associate Director, Division of Research, Markets, and Regulations to 
Assistant Director, Office of Regulations, Division of Research, 
Monitoring, and Regulations, to maintain consistency with other Bureau 
regulations that reference Assistant Director, Office of Regulations as 
the addressee.
Supplement I to Part 1024--Official Interpretations
Introduction
    The introduction of Supplement I to part 1024 explains the purpose 
of the supplement and describes the procedure by which anyone may 
request an official interpretation of Regulation X. For the reasons 
discussed in part II, the Bureau is amending the introduction to 
Supplement I to replace the reference to the Division of Research, 
Markets, and Regulations with a reference to the new, expanded Division 
of Research, Monitoring, and Regulations. The Bureau is also changing 
the addressee to contact for official interpretations of Regulation X 
from Associate Director, Division of Research, Markets, and Regulations 
to Assistant Director, Office of Regulations, Division of Research, 
Monitoring, and Regulations, to maintain consistency with other Bureau 
regulations that reference the Assistant Director, Office of 
Regulations as the addressee for official interpretations.

G. Regulation Z

Appendix A to Part 1026--Effect of State Laws
Request for Determination
    Appendix A to part 1026 sets forth the process by which states may 
request a determination from the Bureau regarding whether a State law 
is inconsistent with or substantially the same as TILA and Regulation Z 
pursuant to section 111(a) of TILA. For the reasons discussed in part 
II, the Bureau is amending appendix A to part 1026 to correct the zip 
code in postal address contact information for the Bureau.
Appendix B to Part 1026--State Exemptions
Application
    Appendix B to part 1026 sets forth the process by which states may 
apply to the Bureau to exempt a class of transactions from the 
requirements of TILA and Regulation Z pursuant to sections 123 and 
173(b) of TILA. For the reasons discussed in part II, the Bureau is 
amending appendix B to part 1026 to correct the zip code in postal 
address contact information for the Bureau.
Appendix C to Part 1026--Issuance of Official Interpretations
Requests for Issuance of Official Interpretations
Appendix C to part 1026 sets forth the process by which entities may 
request official Bureau interpretations of Regulation Z that provide 
protections afforded under section 130(f) of TILA. For the reasons 
discussed in part II, the Bureau is amending appendix C to part 1026 to 
correct the zip code in postal address contact information for the 
Bureau and to replace the reference to the Division of Research, 
Markets, and Regulations with a reference to the new, expanded Division 
of Research, Monitoring, and Regulations.
Appendix J--Annual Percentage Rate Computations for Closed-End Credit 
Transactions
    Appendix J to part 1026 sets forth the actuarial equations and 
instructions for calculating the annual percentage rate in closed-end 
credit transactions. The Official Interpretation of appendix J refers 
to tables that creditors may use to perform the calculations. It 
explains that entities may request these tables from the Bureau and 
provides the Bureau's postal address. For the reasons discussed in part 
II, the Bureau is amending comment appendix J-2 in the Official 
Interpretation of appendix J, located in Supplement I, to correct the 
zip code in postal address contact information for the Bureau. In 
addition, the Bureau has recently made the tables available to the 
public on the Bureau's website. The Bureau is amending comment appendix 
J-2 to provide a URL at which the public may access that website.\9\
---------------------------------------------------------------------------

    \9\ The URL is: https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/annual-percentage-rate-tables/.
---------------------------------------------------------------------------

H. Regulation DD

Appendix C to Part 1030--Effect on State Laws
(b) Preemption Determinations
    Appendix C to part 1030 sets forth the process by which States may 
request a determination from the Bureau regarding whether a State law 
is inconsistent with TISA and Regulation DD pursuant to section 273 of 
TISA. For the reasons discussed in part II, the Bureau is amending 
paragraph (b) in appendix C to part 1030 to correct the zip code in 
postal address contact information for the Bureau.

[[Page 16536]]

I. Heading of 12 CFR Chapter X

    Finally, the Bureau is updating the heading of the Bureau's chapter 
in the Code of Federal Regulations, 12 CFR chapter X, from ``Bureau of 
Consumer Financial Protection'' to ``Consumer Financial Protection 
Bureau.'' Using the generally recognized version of the Bureau's name 
will reduce the risk of public confusion.\10\ This change to a heading 
within the Code of Federal Regulations will not impose any costs on the 
public.
---------------------------------------------------------------------------

    \10\ Congress has used both versions of the agency's name in 
statutes, and the difference has no legal significance. Compare, 
e.g., 12 U.S.C. 5491(a) with 5 U.S.C. 609(d), 12 U.S.C. 1812(a)(1), 
(d)(2), 3303(a), 10 U.S.C. 1144 note. The Bureau, the Federal 
courts, and the public overwhelmingly use ``Consumer Financial 
Protection Bureau.'' Using the less common ``Bureau of Consumer 
Financial Protection'' risks confusion when some members of the 
public search for the Bureau's regulations.
---------------------------------------------------------------------------

V. Effective Date

    Consistent with the requirements of the Administrative Procedure 
Act, the amendments made by this final rule will take effect 30 days 
after publication in the Federal Register. However, to provide affected 
entities with adequate time to implement changes to the forms 
referenced in appendix A to Regulation B (ECOA adverse action notices), 
appendix A to Regulation J (Receipt, Agent Certification and 
Cancellation Page), and appendix K to Regulation V (Summary of Consumer 
Rights), the Bureau is allowing optional compliance with those changes 
until March 20, 2024. The Bureau anticipates this phase-in period will 
allow affected companies to make any needed modifications to the 
systems used to produce the forms as a part of regular updates made to 
those systems. Nevertheless, the Bureau encourages entities to correct 
their forms at the earliest feasible date to ensure consumers have 
accurate contact information for the relevant Federal agencies.

VI. Dodd-Frank Act Section 1022(b) Analysis

A. Overview

    In developing this final rule, the Bureau has considered the rule's 
potential benefits, costs, and impacts, and has consulted or offered to 
consult with appropriate prudential banking regulators and other 
Federal agencies, including regarding the consistency of this rule with 
prudential, market, or systemic objectives administered by those 
agencies.\11\
---------------------------------------------------------------------------

    \11\ Specifically, section 1022(b)(2)(A) of the Dodd-Frank Act 
requires the Bureau to consider the potential benefits and costs of 
a regulation to consumers and covered persons, including the 
potential reduction of access by consumers to consumer financial 
products or services, the impact on depository institutions and 
credit unions with $10 billion or less in total assets as described 
in section 1026 of the Dodd-Frank Act, and the impact on consumers 
in rural areas. Section 1022(b)(2)(B) of the Dodd-Frank Act directs 
the Bureau to consult with appropriate prudential regulators or 
other Federal agencies regarding consistency with prudential, 
market, or systemic objectives that those agencies administer. The 
manner and extent to which these provisions apply to a rulemaking of 
this kind that does not establish standards of conduct is unclear. 
Nevertheless, to inform this rulemaking more fully, the Bureau 
performed the described analyses and has consulted, or offered to 
consult, as indicated.
---------------------------------------------------------------------------

    The purpose of this rule is to make non-substantive corrections and 
updates to Bureau and other Federal agency contact information found at 
certain locations in Regulations B, E, F, J, V, X, Z, and DD, including 
Federal agency contact information that must be provided with Equal 
Credit Opportunity Act adverse action notices and the Fair Credit 
Reporting Act Summary of Consumer Rights. This final rule also revises 
the header of 12 CFR chapter X, makes various non-substantive changes 
to Regulations B and V, and provides a Bureau website address where the 
public may access certain APR tables referenced in Regulation Z.
1. Description of the Baseline
    The Bureau considered the benefits, costs, and impacts of this rule 
against a baseline in which the Bureau takes no action. In the 
baseline, mail addressed to the Bureau using incorrect contact 
information could be delayed because it may require manual handling. In 
addition, mail addressed using incorrect contact information specified 
in various Bureau regulations to other agencies, such as the OCC, may 
be delayed or sent back to the sender, and information concerning 
certain APR tables provided by the Bureau in the Official 
Interpretations of Regulation Z may take significantly longer to reach 
the public by mail than by accessing a website provided in the rule.
2. Benefits to Consumers and Covered Persons
    Covered persons and consumers may benefit from the rule by 
preventing situations where mail to the Bureau, the OCC, or other 
Federal agencies is delayed or returned to the sender because of 
incorrect contact information as currently listed in the Bureau's 
regulations. The Bureau does not have data available to predict the 
number of such potentially misdirected communications that would be 
prevented, or the costs involved in handling such communications. As 
such, the Bureau cannot quantify the potential magnitude of these 
benefits.
    In addition, the Bureau expects that the rule would benefit 
consumers by potentially preventing delays they may currently 
experience in receiving a response to communications they address to 
the Bureau, the OCC, or other Federal agencies, to the extent these 
delays are attributable to incorrect contact information for these 
agencies as currently listed in certain of the Bureau's regulations. 
The Bureau does not have data available to predict the magnitude of 
such delays consumers may experience, or the number of such 
communications.
    The Bureau further expects that consumers and covered persons 
seeking to access APR information in connection with Regulation Z may 
be able to access it more efficiently through the URL provided in this 
rule than by requesting it by mail. The Bureau does not have data 
available to predict the magnitude of the benefits provided to 
consumers and covered persons as a result of making this information 
available through a Bureau website.
    Accordingly, the Bureau cannot quantify the potential magnitude of 
the benefits to consumers and covered persons from the rule.
3. Costs to Covered Persons and Consumers
    Covered persons may incur some costs in updating the forms and 
materials affected by the rule. The rule makes only technical, non-
substantive changes to the existing text of certain forms and 
materials, and as noted in section V, the Bureau is providing covered 
persons with a period of one year in which to effectuate any necessary 
changes to the forms. The Bureau believes that this phase-in period 
will minimize entity costs related to the disposal of existing 
materials and allow entities the flexibility to make required changes 
as part of regular updates to their forms. The Bureau therefore 
believes that costs associated with the form changes required by this 
rule will likely be negligible.
    The Bureau does not anticipate that the rule will result in costs 
to consumers.

B. Potential Impact on Depository Institutions and Credit Unions With 
$10 Billion or Less in Total Assets, as Described in Section 1026

    The Bureau has no reason to believe that this final rule would have 
a unique impact on depository institutions and credit unions with $10 
billion or less in total assets.

[[Page 16537]]

C. Potential Impact on Consumers in Rural Areas and on Access by 
Consumers to Consumer Financial Products or Services

    The Bureau has no reason to believe that the final rule would have 
a unique impact on consumers in rural areas. Because the rule makes 
only technical, non-substantive changes to the existing text of several 
regulations, the Bureau believes that the rule would not materially 
affect access by consumers to consumer financial products or services.

VII. Regulatory Flexibility Act Analysis

    Because no notice of proposed rulemaking is required, the 
Regulatory Flexibility Act does not require an initial or final 
regulatory flexibility analysis.\12\
---------------------------------------------------------------------------

    \12\ 5 U.S.C. 603(a), 604(a).
---------------------------------------------------------------------------

VIII. Paperwork Reduction Act

    The Bureau has determined that this final rule does not impose any 
new or revise any existing recordkeeping, reporting, or disclosure 
requirements on covered entities or members of the public that would be 
new or revised collections of information requiring approval by the 
Office of Management and Budget under the Paperwork Reduction Act.\13\ 
The OMB Control Numbers associated with the collections of information 
contained in these regulations are:
---------------------------------------------------------------------------

    \13\ 44 U.S.C. 3501 through 3521.

 Regulation B--3170-0013
 Regulation E--3170-0014
 Regulation F--3170-0056
 Regulation J--3170-0012
 Regulation V--3170-0002
 Regulation X--3170-0015
 Regulation Z--3170-0015
 Regulation DD--3170-0004

IX. Congressional Review Act

    Pursuant to the Congressional Review Act,\14\ the Bureau will 
submit a report containing this final rule and other required 
information to the U.S. Senate, the U.S. House of Representatives, and 
the Comptroller General of the United States prior to the rule's 
published effective date. The Office of Information and Regulatory 
Affairs has designated this rule as not a ``major rule'' as defined by 
5 U.S.C. 804(2).
---------------------------------------------------------------------------

    \14\ 5 U.S.C. 801 et seq.
---------------------------------------------------------------------------

List of Subjects

12 CFR Part 1002

    Aged, Banks, Banking, Civil rights, Consumer protection, Credit, 
Credit unions, Discrimination, Fair lending, Marital status 
discrimination, National banks, National origin discrimination, 
Penalties, Race discrimination, Religious discrimination, Reporting and 
recordkeeping requirements, Savings associations, Sex discrimination.

12 CFR Part 1005

    Automated teller machines, Banks, Banking, Consumer protection, 
Credit unions, Electronic fund transfers, National banks, Remittances, 
Reporting and recordkeeping requirements, Savings Associations.

12 CFR Part 1006

    Administrative practice and procedure, Consumer protection, Credit, 
Intergovernmental relations.

12 CFR Part 1010

    Land registration; Reporting requirements; Certification of 
substantially equivalent state law; Purchasers' revocation rights; 
Unlawful sales practices; Advertising disclaimers; Filing assistance; 
and Adjudicatory proceedings.

12 CFR Part 1022

    Banks, Banking, Consumer protection, Credit unions, Fair Credit 
Reporting Act, Holding companies, National banks, Privacy, Reporting 
and recordkeeping requirements, Savings associations, State member 
banks.

12 CFR Part 1024

    Condominiums, Consumer protection, Housing, Insurance, Mortgages, 
Mortgagees, Mortgage servicing, Reporting and recordkeeping 
requirements.

12 CFR Part 1026

    Advertising, Appraisal, Appraiser, Banking, Banks, Consumer 
protection, Credit, Credit unions, Mortgages, National banks, Reporting 
and recordkeeping requirements, Savings associations, Truth in lending.

12 CFR Part 1030

    Advertising, Banking, Banks, Consumer protection, National banks, 
Reporting and recordkeeping requirements, Savings associations, Truth 
in savings.

Authority and Issuance

    For the reasons set forth above, the Bureau amends 12 CFR chapter 
X, as set forth below:

Chapter X--Consumer Financial Protection Bureau

0
1. Under the authority of 12 U.S.C. 5512(b)(1), revise the heading for 
chapter X to read as set forth above.

PART 1002--EQUAL CREDIT OPPORTUNITY ACT (REGULATION B)

0
2. The authority citation for part 1002 continues to read as follows:

    Authority:  12 U.S.C. 5512, 5581; 15 U.S.C. 1691b.


Sec.  1002.9   [Amended]

0
3. Section 1002.9 is amended by removing the last sentence of paragraph 
(b)(1).

0
4. Revise appendix A to read as follows:

Appendix A to Part 1002--Federal Agencies To Be Listed in Adverse 
Action Notices

    The following list indicates the Federal agency or agencies that 
should be listed in notices provided by creditors pursuant to Sec.  
1002.9(b)(1). Any questions concerning a particular creditor may be 
directed to such agencies. This list is not intended to describe 
agencies' enforcement authority for ECOA and Regulation B. Terms 
that are not defined in the Federal Deposit Insurance Act (12 U.S.C. 
1813(s)) shall have the meaning given to them in the International 
Banking Act of 1978 (12 U.S.C. 3101).
    1. Banks, savings associations, and credit unions with total 
assets of over $10 billion and their affiliates: Bureau of Consumer 
Financial Protection, 1700 G Street NW, Washington, DC 20552. Such 
affiliates that are not banks, savings associations, or credit 
unions also should list, in addition to the Bureau: Federal Trade 
Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, 
Washington, DC 20580.
    2. To the extent not included in item 1 above:
    a. National Banks, Federal savings associations, and Federal 
branches and Federal agencies of foreign banks: Office of the 
Comptroller of the Currency, Customer Assistance Group, P.O. Box 
53570, Houston, TX 77052.
    b. State member banks, branches and agencies of foreign banks 
(other than Federal branches, Federal agencies, and insured State 
branches of foreign banks), commercial lending companies owned or 
controlled by foreign banks, and organizations operating under 
section 25 or 25A of the Federal Reserve Act: Federal Reserve 
Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480.
    c. Nonmember Insured Banks, Insured State Branches of Foreign 
Banks, and Insured State Savings Associations: Division of Depositor 
and Consumer Protection, National Center for Consumer and Depositor 
Assistance, Federal Deposit Insurance Corporation, 1100 Walnut 
Street, Box #11, Kansas City, MO 64106.
    d. Federal Credit Unions: National Credit Union Administration, 
Office of Consumer Financial Protection (OCFP), Division of Consumer 
Compliance Policy and Outreach, 1775 Duke Street, Alexandria, VA 
22314.
    3. Air Carriers: Assistant General Counsel for Office of 
Aviation Consumer Protection,

[[Page 16538]]

Department of Transportation, 1200 New Jersey Avenue SE, Washington, 
DC 20590.
    4. Creditors Subject to Surface Transportation Board: Office of 
Public Assistance, Governmental Affairs, and Compliance, Surface 
Transportation Board, 395 E Street SW, Washington, DC 20423.
    5. Creditors Subject to Packers and Stockyards Act: Nearest 
Packers and Stockyards Division Regional Office.
    6. Small Business Investment Companies: Associate Administrator, 
Office of Capital Access, United States Small Business Association, 
409 Third Street SW, Suite 8200, Washington, DC 20416.
    7. Brokers and Dealers: Securities and Exchange Commission, 100 
F Street NE, Washington, DC 20549.
    8. Federal Land Banks, Federal Land Bank Associations, Federal 
Intermediate Credit Banks, and Production Credit Associations: Farm 
Credit Administration, 1501 Farm Credit Drive, McLean, VA 22102-
5090.
    9. Retailers, Finance Companies, and All Other Creditors Not 
Listed Above: Federal Trade Commission, Consumer Response Center, 
600 Pennsylvania Avenue NW, Washington, DC 20580.

Appendix D to Part 1002 [Amended]

0
5. Appendix D to part 1002 is amended in paragraph 2 by:
0
a. Removing ``Division of Research, Markets, and Regulations'' and 
adding ``Division of Research, Monitoring, and Regulations'' in its 
place; and
0
b. Removing ``20006'' and adding ``20552'' in its place.

PART 1005--ELECTRONIC FUND TRANSFERS (REGULATION E)

0
6. The authority citation for part 1005 continues to read as follows:

    Authority:  12 U.S.C. 5512, 5581; 15 U.S.C. 1693b. Subpart B is 
also issued under 12 U.S.C. 5601 and 15 U.S.C. 1693o-1.


0
7. Revise appendix C to read as follows:

Appendix C to Part 1005--Issuance of Official Interpretations

Official Interpretations

    Interpretations of this part issued by duly authorized officials 
of the Bureau provide the protection afforded under section 916(d) 
of the Act. Except in unusual circumstances, such interpretations 
will not be issued separately but will be incorporated in an 
official commentary to this part, which will be amended 
periodically.

Requests for Issuance of Official Interpretations

    A request for an official interpretation shall be in writing and 
addressed to the Bureau of Consumer Financial Protection, 1700 G 
Street NW, Washington, DC 20552. The request shall contain a 
complete statement of all relevant facts concerning the issue, 
including copies of all pertinent documents.

Scope of Interpretations

    No interpretations will be issued approving financial 
institutions' forms or statements. This restriction does not apply 
to forms or statements whose use is required or sanctioned by a 
government agency.

PART 1006--DEBT COLLECTION PRACTICES (REGULATION F)

0
8. The authority citation for part 1006 continues to read as follows:

    Authority:  12 U.S.C. 5512, 5514(b), 5532; 15 U.S.C. 1692l(d), 
1692o, 7004.

Appendix A to Part 1006 [Amended]

0
9. Appendix A to part 1006 is amended:
0
a. In the second sentence of section II, by removing ``Division of 
Research, Markets, and Regulations'' and adding ``Division of Research, 
Monitoring, and Regulations'' in its place; and
0
b. In the first sentence of section VI(b)(i), by removing ``Division of 
Research, Markets, and Regulations'' and adding ``Division of Research, 
Monitoring, and Regulations'' in its place.

0
10. Supplement I is amended by revising the introduction to read as 
follows:

Supplement I to Part 1006--Official Interpretations

Introduction

    1. Official status. This commentary is the vehicle by which the 
Bureau of Consumer Financial Protection supplements Regulation F, 12 
CFR part 1006. The provisions of the commentary are issued under the 
same authorities as the corresponding provisions of Regulation F and 
have been adopted in accordance with the notice-and-comment procedures 
of the Administrative Procedure Act (5 U.S.C. 553). Unless specified 
otherwise, references in this commentary are to sections of Regulation 
F or the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. No 
commentary is expected to be issued other than by means of this 
Supplement I.
    2. Procedure for requesting interpretations. Anyone may request 
that an official interpretation of the regulation be added to this 
commentary. A request for such an official interpretation must be in 
writing and addressed to the Assistant Director, Office of Regulations, 
Division of Research, Monitoring, and Regulations, Bureau of Consumer 
Financial Protection, 1700 G Street NW, Washington, DC 20552. The 
request must contain a complete statement of all relevant facts 
concerning the issue, including copies of all pertinent documents. 
Revisions to this commentary that are adopted in accordance with the 
rulemaking procedures of section 553 of the Administrative Procedure 
Act (5 U.S.C. 553) will be incorporated in the commentary following 
publication in the Federal Register.
    3. Comment designations. Each comment in the commentary is 
identified by a number and the regulatory section or paragraph that it 
interprets. The comments are designated with as much specificity as 
possible according to the particular regulatory provision addressed. 
For example, comments to Sec.  1006.6(d)(4) are further divided by 
subparagraph, such as comment 6(d)(4)(i)-1 and comment 6(d)(4)(ii)-1. 
Comments that have more general application are designated, for 
example, as comments 38-1 and 38-2. This introduction may be cited as 
comments I-1, I-2, and I-3.
* * * * *

PART 1010--LAND REGISTRATION (REGULATION J)

0
11. The authority citation for part 1010 continues to read as follows:

    Authority:  12 U.S.C. 5512, 5581; 15 U.S.C. 1718.

Appendix A to Part 1010 [Amended]

0
12. Appendix A to part 1010 is amended in section XXVII, in the address 
for Bureau of Consumer Financial Protection, before ``Agent 
Certification,'' by removing ``20006'' and adding ``20552'' in its 
place.

PART 1022--FAIR CREDIT REPORTING (REGULATION V)

0
13. The authority citation for part 1022 continues to read as follows:

    Authority:  12 U.S.C. 5512, 5581; 15 U.S.C. 1681a, 1681b, 1681c, 
1681c-1, 1681c-3, 1681e, 1681g, 1681i, 1681j, 1681m, 1681s, 1681s-2, 
1681s-3, and 1681t; Sec. 214, Pub. L. 108-159, 117 Stat. 1952.


0
14. Revise appendix to read as follows:

Appendix K to Part 1022--Summary of Consumer Rights

    The prescribed form for this summary is a disclosure that is 
substantially similar to the Bureau's model summary with all 
information clearly and prominently displayed. The list of Federal 
regulators that is included in the Bureau's prescribed summary may 
be provided separately so long as this is done in a clear and 
conspicuous way. A summary should accurately reflect changes to 
those items that may change over time (e.g., dollar amounts, or 
telephone numbers and addresses of Federal agencies) to remain in 
compliance. Translations of this summary will be in compliance with 
the Bureau's prescribed model, provided that the translation is 
accurate and that it is provided

[[Page 16539]]

in a language used by the recipient consumer.
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[[Page 16540]]


[GRAPHIC] [TIFF OMITTED] TR20MR23.036


[[Page 16541]]


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[[Page 16542]]


[GRAPHIC] [TIFF OMITTED] TR20MR23.038

PART 1024--REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X)

0
15. The authority citation for part 1024 continues to read as follows:

    Authority:  12 U.S.C. 2603-2605, 2607, 2609, 2617, 5512, 5532, 
5581.


Sec.  1024.2   [Amended]

0
16. Section 1024.2 is amended in paragraph (b) in the last sentence of 
the definition of ``Public Guidance Documents'' by removing ``Associate 
Director, Research, Markets, and Regulations'' and adding ``Assistant 
Director, Office of Regulations, Division of Research, Monitoring, and 
Regulations'' in its place.

0
17. Supplement I is amended by revising the introduction to read as 
follows:

Supplement I to Part 1024--Official Bureau Interpretations

Introduction

    1. Official status. This commentary is the primary vehicle by which 
the Bureau of Consumer Financial Protection issues official 
interpretations of Regulation X. Good faith compliance with this 
commentary affords protection from liability under section 19(b) of the 
Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. 2617(b).
    2. Requests for official interpretations. A request for an official 
interpretation shall be in writing and addressed to the Assistant 
Director, Office of Regulations, Division of Research, Monitoring, and 
Regulations, Bureau of Consumer Financial Protection, 1700 G Street NW, 
Washington, DC 20552. A request shall contain a complete statement of 
all

[[Page 16543]]

relevant facts concerning the issue, including copies of all pertinent 
documents. Except in unusual circumstances, such official 
interpretations will not be issued separately but will be incorporated 
in the official commentary to this part, which will be amended 
periodically. No official interpretations will be issued approving 
financial institutions' forms or statements. This restriction does not 
apply to forms or statements whose use is required or sanctioned by a 
government agency.
    3. Unofficial oral interpretations. Unofficial oral interpretations 
may be provided at the discretion of Bureau staff. Written requests for 
such interpretations should be sent to the address set forth for 
official interpretations. Unofficial oral interpretations provide no 
protection under section 19(b) of RESPA. Ordinarily, staff will not 
issue unofficial oral interpretations on matters adequately covered by 
this part or the official Bureau interpretations.
    4. Rules of construction. (a) Lists that appear in the commentary 
may be exhaustive or illustrative; the appropriate construction should 
be clear from the context. In most cases, illustrative lists are 
introduced by phrases such as ``including, but not limited to,'' 
``among other things,'' ``for example,'' or ``such as.''
    (b) Throughout the commentary, reference to ``this section'' or 
``this paragraph'' means the section or paragraph in the regulation 
that is the subject of the comment.
    5. Comment designations. Each comment in the commentary is 
identified by a number and the regulatory section or paragraph that the 
comment interprets. The comments are designated with as much 
specificity as possible according to the particular regulatory 
provision addressed. For example, some of the comments to Sec.  
1024.37(c)(1) are further divided by subparagraph, such as comment 
37(c)(1)(i)-1. In other cases, comments have more general application 
and are designated, for example, as comment 40(a)-1. This introduction 
may be cited as comments I-1 through I-5.
* * * * *

PART 1026--TRUTH IN LENDING (REGULATION Z)

0
18. The authority citation for part 1026 continues to read as follows:

    Authority:  12 U.S.C. 2601, 2603-2605, 2607, 2609, 2617, 3353, 
5511, 5512, 5532, 5581; 15 U.S.C. 1601 et seq.

Appendix A to Part 1026 [Amended]

0
19. Appendix A to part 1026 is amended in the first sentence of the 
first paragraph immediately after the subheading Request for 
Determination by removing ``20006'' and adding ``20552'' in its place.

Appendix B to Part 1026 [Amended]

0
20. Appendix B to part 1026 is amended in the ``Application'' section 
in the second sentence by removing ``20006'' and adding ``20552'' in 
its place.

Appendix C to Part 1026 [Amended]

0
21. Appendix C to part 1026 is amended under ``Requests for Issuance of 
Official Interpretations'' by:
0
a. Removing ``Division of Research, Markets, and Regulations'' and 
adding ``Division of Research, Monitoring, and Regulations'' in its 
place; and
0
b. Removing ``20006'' and adding ``20552'' in its place.

0
22. Supplement I is amended by revising paragraphs 1 and 2 under 
``Appendix J--Annual Percentage Rate Computations for Closed-End Credit 
Transactions'' to read as follows:

Supplement I to Part 1026--Official Interpretations

* * * * *

Appendix J--Annual Percentage Rate Computations for Closed-End Credit 
Transactions

    1. Use of appendix J. Appendix J sets forth the actuarial equations 
and instructions for calculating the annual percentage rate in closed-
end credit transactions. While the formulas contained in this appendix 
may be directly applied to calculate the annual percentage rate for an 
individual transaction, they may also be utilized to program 
calculators and computers to perform the calculations.
    2. Relation to Bureau tables. The Bureau's Annual Percentage Rate 
Tables also provide creditors with a calculation tool that applies the 
technical information in appendix J. An annual percentage rate computed 
in accordance with the instructions in the tables is deemed to comply 
with the regulation. Volume I of the tables may be used for credit 
transactions involving equal payment amounts and periods, as well as 
for transactions involving any of the following irregularities: odd 
first period, odd first payment and odd last payment. Volume II of the 
tables may be used for transactions that involve any type of 
irregularities. These tables may be obtained from the Bureau, 1700 G 
Street NW, Washington, DC 20552, upon request. The tables are also 
available on the Bureau's website at: https://www.consumerfinance.gov//resources/applicable-requirements/annual-percentage-rate-tables/.
* * * * *

PART 1030--TRUTH IN SAVINGS (REGULATION DD)

0
23. The authority citation for part 1030 continues to read as follows:

    Authority:  12 U.S.C. 4302-4304, 4308, 5512, 5581.

Appendix C to Part 1030 [Amended]

0
24. Appendix C to part 1030 is amended in the second sentence of 
paragraph (b) by removing ``20006'' and adding ``20552'' in its place.

Rohit Chopra,
Director, Consumer Financial Protection Bureau.
[FR Doc. 2023-05216 Filed 3-17-23; 8:45 am]
BILLING CODE 4810-AM-C