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Federal Register / Vol. 72, No. 109 / Thursday, June 7, 2007 / Notices 31579 carefully examine the applicability ENVIRONMENTAL PROTECTION and parts will be closed to the public. criteria in Part I, Section A.1 of the draft In order to increase the accessibility to AGENCY permit. Questions on the permit’s Board meetings, persons requiring [FRL–8323–3] application to specific facilities may assistance should make arrangements in also be directed to Ms. Smith at the advance. The matters to be considered Final NPDES General Permit for telephone number or address listed at the meeting are: Discharges From the Oil and Gas above. Extraction Point Source Category to Open Session The permit contains limitations Coastal Waters in Texas (TXG330000) conforming to EPA’s Oil and Gas A. Approval of Minutes AGENCY: Environmental Protection extraction, Coastal and Stripper • May 10, 2007 (Open and Closed). Agency (EPA). Subcategory Effluent Limitations B. New Business Guidelines at 40 CFR Part 435 as well ACTION: Notice of NPDES General Permit as requirements assuring that regulated Reissuance. 1. Regulations discharges will comply with Texas State • Capital Adequacy-Basel Accord— SUMMARY: EPA Region 6 today issues a Water Quality Standards. Specific 12 CFR Part 615—Advance Notice National Pollutant Discharge information on the derivation of those of Proposed Rulemaking. Elimination System (NPDES) general limitations and conditions is contained 2. Reports permit ...

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Federal Register/ Thursday,72, No. 109/ Vol./ NoticesJune 7, 2007

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ENVIRONMENTAL PROTECTION and parts will be closed to the public.carefully examine the applicability AGENCY In order to increase the accessibility tocriteria in Part I, Section A.1 of the draft permit. Questions on the permit’s Boardmeetings, persons requiring [FRL–8323–3] application to specific facilities mayassistance should make arrangements in also be directed to Ms. Smith at theadvance. The matters to be considered Final NPDES General Permit for telephone number or address listedat the meeting are: Discharges From the Oil and Gas above. Extraction Point Source Category to Open Session The permit contains limitations Coastal Waters in Texas (TXG330000) conforming to EPA’s Oil and Gas A. Approval of Minutes AGENCY : extraction, Coastal and Stripper Environmental Protection •May 10, 2007 (Open and Closed). Agency (EPA). Subcategory Effluent Limitations B. New Business ACTION :Notice of NPDES General Permit Guidelines at 40 CFR Part 435 as well Reissuance. asrequirements assuring that regulated 1.Regulations discharges will comply with Texas State •Capital Adequacy-Basel Accord— SUMMARY :EPA Region 6 today issues a Water Quality Standards. Specific 12 CFR Part 615—Advance Notice National Pollutant Discharge information on the derivation of those of Proposed Rulemaking. Elimination System (NPDES) general limitations and conditions is contained 2.Reports permit regulating discharges from oil •OMS Quarterly Report. in the fact sheet. and gas wells in the Coastal Subcategory •FCSBA Quarterly Report. Pursuant to section 402 of the Clean in Texas and regulating produced water Water Act (CWA), 33 U.S.C. 1342, EPA Closed Sesson discharges from wells in the Stripper proposed and solicited comments on •OSMO Quarterly Report. and Offshore Subcategories which NPDES general permit TXG330000 at 71 discharge into coastal waters of Texas. Dated: June 5, 2007. FR 78204 (December 28, 2006). Notice The general permit prohibits the of the proposed permit modification Roland E. Smith, discharge of drilling fluid, drill cuttings, was also published in the Houston Secretary, Farm Credit Administration Board. produced sand and well treatment, Chronicle on December 30, 2006 and the [FR Doc. 07–2867 Filed 6–5–07; 3:53 pm] completion and workover fluids. Corpus Christi Caller on January 5, BILLING CODE 6705–01–P Produced water discharges are 2007. The comment period closed on prohibited, except from wells in the February 20, 2007. No comments were Stripper Subcategory located east of the received on the proposed permit; FEDERAL DEPOSIT INSURANCE 98th meridian whose produced water therefore, no changes have been made in CORPORATION comes from the Carrizo/Wilcox, Reklaw the final permit. or Bartosh formations in Texas. Agency Information Collection Dated: May 31, 2007. Monitoring for oil and grease and total Activities: Proposed Information Miguel I. Flores, dissolved solids is required for those Collection; Comment Request Director, Water Quality Protection Division, produced water discharges. Discharge of Region 6. AGENCY :Federal Deposit Insurance dewatering effluent is prohibited, except [FR Doc. E7–11034 Filed 6–6–07; 8:45 am] Corporation (FDIC). from reserve pits which have not BILLING CODE 6560–50–P ACTION :Notice and request for comment. received drilling fluids and/or drill cuttings since January 15, 1997. The SUMMARY :In accordance with the discharge of deck drainage, formation Paperwork Reduction Act of 1995, an test fluids, sanitary waste, domestic FARM CREDIT ADMINISTRATION agency may not conduct or sponsor, and waste and miscellaneous discharges is the respondent is not required to authorized. Farm Credit Administration Board; respond to, an information collection A copy of the Region’s final permit Regular Meeting unless it displays a currently valid may be obtained from the EPA Region AGENCY :Farm Credit Administration.Office of Management and Budget 6 Internet site:http://www.epa.gov/ (OMB) control number. The FDIC is SUMMARY :Notice is hereby given, earth1r6/6wq/6wq.htm. contemplating initiating a two-year pilot pursuant to the Government in the FOR FURTHER INFORMATION CONTACT :Ms. program relating to small-dollar lending Sunshine Act (5 U.S.C. 552b(e)(3)), of Diane Smith, Water Quality Protection by insured depository institutions. the regular meeting of the Farm Credit Division, Region 6, U.S. Environmental Institutions meeting threshold eligibility Administration Board (Board). Protection Agency, 1445 Ross Avenue, requirements may volunteer to DATE AND TIME :The regular meeting of Dallas, Texas 75202–2733, telephone: participate in the pilot, and the the Board will be held at the offices of (214) 665–7191, or via e-mail at: collection at this first stage would the Farm Credit Administration in [e-mail]. provide certain basic information as to McLean, Virginia, on June 14, 2007, SUPPLEMENTARY INFORMATION :Regulatedthe institution and its current or from 9 a.m. until such time as the Board entities.EPA intends to use the reissuedproposed small-dollar lending program. concludes its business. permit to regulate oil and gas extractionParticipating institutions would FOR FURTHER INFORMATION CONTACT : facilities located in the coastal waters ofthereafter provide certain information to Roland E. Smith, Secretary to the Farm Texas,e.g.the FDIC about their ongoing experience, oil and gas extraction Credit Administration Board, (703) 883– platforms, but other types of facilitieswith their small-dollar lending program. 4009, TTY (703) 883–4056. may also be subject to the permit. TheThe collection at this second stage ADDRESS :Farm Credit Administration, permit authorizes some produced waterwould provide information on the most 1501 Farm Credit Drive, McLean, discharges from Stripper Subcategoryeffective and replicable business Virginia 22102–5090. wells to coastal waters. To determinepractices to incorporate affordable whether your facility, company, SUPPLEMENTARY INFORMATION :Parts ofsmall-dollar loans into effective business, organization, etc., may bethis meeting of the Board will be openbusiness models to reach out to affected by today’s action, you shouldunderserved communities and toto the public (limited space available),

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develop new customers for mainstreamAffected Public:not currently included in the CallInsured depository banking services, whether consumersinstitutions that apply for and are Reports or other standard regulatory who take advantage of such loansaccepted to participate in the pilot reports, to evaluate program success. migrate into other banking products,study. Pilot Study Application:Volunteers and whether a savings component Estimated Number of Respondents: for the pilot program will be screened to provides a steady increase in savings. Pilot study application— ensure that they meet certain basic 40; Program DATES :omments must be submitted on evaluation reports— eligibility requirements. A volunteer 20 to 40. C Estimated time per response:Pilot will likely be asked to demonstrate, by or before August 6, 2007. study application: Estimated average of certification or otherwise, that it meets ADDRESSES :You may submit comments 2 hours per respondent. Program the following threshold requirements: A by any of the following methods: evaluation reports: Estimated average of composite‘‘1’’or‘‘2’’rating on its most •Agency Web Site: http:// 5 hours per respondent per quarter recent Safety and Soundness www.fdic.gov/regulations/laws/federal. during study. examination and a Management rating Follow instructions for submitting Estimated Total Annual Burden: of‘‘1’’or‘‘2’’; satisfactory policies and comments on the Agency Web Site. Pilot study application:40 •E-mail: [e-mail]. procedures in all areas, including respondents times 2 hours per •Mail: lending, audits, aggregate risk, internal Leneta Gregorie, Legal respondent = 80 hours. Division, Attention: Comments, Federal controls, liquidity, interest rate risk, Program evaluation reports:20 to 40 Deposit Insurance Corporation, 550 17th compliance, BSA/AML; a composite‘‘1’’ respondents times 5 hours per Street, NW., Washington, DC 20429. or‘‘2’’rating on its most recent respondent times 4 (quarterly) •Hand Delivery/Courier:Guard Compliance examination; at least a collections = 400 to 800 aggregate hours. station at the rear of the 550 17th Street ‘‘Satisfactory’’rating on its most recent Total burden = 80 + 800 = 880 hours. Building (located on F Street) on Community Reinvestment Act (CRA) business days between 7 a.m. and 5 p.m. General Description of Collection evaluation; the fact that it is not (EST). currently subject to a formal or informal In recognition of the huge demand for All comments should refer to‘‘Pilot enforcement action or the subject of an small-dollar, unsecured loans, as Study of Small Dollar Loan Programs.’’ investigation or inquiry. evidenced by the proliferation around Copies of comments may also be Each volunteer interested in the country of payday lenders, the FDIC, submitted to the OMB desk officer for participating in the study will also be on December 4, 2006, proposed and the FDIC, Office of Information and asked to provide the following (or sought comment on guidelines for such Regulatory Affairs, Office of similar) information: products (http://www.fdic.gov/news/ Management and Budget, New •Whether it already offers small- news/press/2006/pr06107.html). The Executive Office Building, Washington, dollar loans and, if so, the terms of such proposed guidelines addressed several DC 20503. loans; aspects of product development, Public Inspection:All comments •If it proposes to initiate a small- including affordability and streamlined received will be posted without change dollar loan program, the proposed underwriting. Based on the comments tohttp://www.fdic.gov/regulations/laws/ structure of the program; received, the FDIC is in the process of federalincluding any personal •The current or proposed size of the revising the guidelines for issuance in information provided. Comments may program; final form. The FDIC’s goal in issuing be inspected and photocopied in the •How it proposes to market the the guidance is to encourage state FDIC Public Information Center, 3501 program; nonmember banks to offer small-dollar, North Fairfax Drive, Room E–1002, •How it envisions the small-dollar unsecured loans in a safe and sound Arlington, VA 22226, between 9 a.m. loan application process; manner that is also cost-effective and and 5 p.m. (EST) on business days. •What it proposes as underwriting responsive to customer needs. Paper copies of public comments may criteria; and To further encourage the development be ordered from the Public Information •Proposed interest rates and fees. by insured depository institutions of Center by telephone at (877) 275– features of a preferred small-3342 Key small-dollar credit programs, the FDIC or (703) 562– 2200. dollarlending program might include is contemplating conducting a pilot loan amounts of up to $1,000; FOR FURTHER INFORMATION CONTACT : study to identify and evaluate the key amortization periods longer than a Interested members of the public may components of small-dollar loan single pay cycle and up to 36 months for obtain additional information about the programs, with the goal of identifying closed-end credit, or minimum collection, including a copy of the the most effective and replicable payments which reduce principal (i.e., proposed collection and related business plans for bankers, determining do not result in negative amortization) instructions, without charge, by the degree to which customers of such for open-end credit; annual percentage contacting Leneta Gregorie at the programs migrate into other banking rates (APR) below 36 percent; no address identified above or by calling products, assessing the extent to which prepayment penalties; origination and/ 202–898–3719. a savings component results in or maintenance fees limited to the SUPPLEMENTARY INFORMATION : increased savings, and identifying amount necessary to cover actual costs; Proposal To Seek OMB Approval for program features which can be deemed and a savings component. the Following New Collection of ‘‘best practices.’’Programs selected for Descriptions provided by eligible Information the pilot may be either already in volunteers will be reviewed by a FDIC existence at an insured institution or Title: selection panel. To provide more Pilot Study of Small-Dollar Loan developed specifically for participation Programs. meaningfulinformation about the pilot’s OMB Number:New collection (3064– success, the institutions selected to in the study. The pilot study will xxxx). requirecollection of data from applicant participate will likely consist of various Frequency of Response:Pilot studyinstitutions to determine eligibility as sized institutions and in widely application—well as quarterly collection (for twoone-time; Program dispersed geographic locations. evaluation reports—quarterly for twoyears) of data from participatingProgram evaluation reports:A years. institutions,to the extent such data arevolunteer must agree to the monitoring

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and data collection aspects of the pilotGuidelines would warrant favorable FEDERAL MARITIME COMMISSION program. For this purpose, the FDIC consideration by the FDIC under the anticipates that the following (or Notice of Agreement Filed CRA as an activity responsive to the similar) information will be collected credit needs of its community. It is The Commission hereby gives notice from participating institutions on a anticipated that other institutions will of the filing of the following agreement quarterly basis for two years: also likely be entitled to similar under the Shipping Act of 1984. 1. Information about the loans in the favorable consideration after review by Interested parties may submit comments Program their primary federal regulator. on agreements to the Secretary, Federal a. The total number and total dollar Moreover, programs that transition low Maritime Commission, Washington, DC amount of loans. or moderate income borrowers from 20573, within ten days of the date this b. Average loan term and average higher cost loans to lower cost loans are notice appears in theFederal Register. dollar size of loans. particularly responsive to community Copies of agreements are available c. Average interest rates charged, needs. Consequently, state non-member through the Commission’s Office of average fees levied, and average banks offering lower cost alternatives to Agreements (202–523–5793 or calculations of APR (as required by the [e-mail]). such borrowers will also be viewed by Truth-in-Lending Act). Agreement No.:011223–040. the FDIC as particularly responsive in d. Aggregate delinquency, charge off, Title:Transpacific Stabilization and workout refinancing data. the CRA examination and similarly, Agreement. 2. Information about the business other institutions upon review by their Parties:APL Co. PTE Ltd.; American value of the Program primary federal regulator. President Lines, Ltd.; CMA–CGM S.A.; a. Profitability and/or break even data Where small-dollar loan products are COSCO Container Lines Co., Ltd.; for the overall Program. combined with a low-cost savings Evergreen Line Joint Service Agreement; b. Profitability of the overall customer account, institutions may also qualify Hanjin Shipping Co., Ltd.; Hapag-Lloyd relationship (especially if the customer for favorable consideration for providing AG; Hyundai Merchant Marine Co., migrated into other products) community development services. Ltd.; Kawasaki Kisen Kaisha, Ltd.; c. Information regarding whether Institutions can potentially use the Mediterranean Shipping Company S.A.; customers of the Program migrated to small-dollar loan pilot to tap into new Mitsui O.S.K. Lines, Ltd.; Nippon Yusen other bank products. markets by expanding relationships Kaisha; Orient Overseas Container Line 3. Information about the benefit to with individuals who currently may not Limited; and Yangming Marine consumers Transport Corp. a. The total number and total dollar be fully utilizing the mainstream Filing Party:David F. Smith, Esq.; amount of linked savings accounts financial system. An intangible benefit Sher & Blackwell LLP; 1850 M Street, opened as part of the Program. that may accrue to institutions NW.; Suite 900; Washington, DC 20036. b. Information as to duration and participating in the small-dollar pilot is Synopsis:The amendment would withdrawal rates of the linked savings the community goodwill that will likely expand the geographic scope of the accounts. be created as a result of offering agreement to include the Indian c. Information regarding whether consumers credit products with Subcontinent. customers of the Program continued to significant savings over payday loan use payday loans or other high-cost debt Dated: June 4, 2007. fees. products. By order of the Federal Maritime The preferred method for collecting Request for Comment Commission. these data is electronic submission Bryant L. VanBrakle, Comments are invited on: (a) Whether through the existing FDICconnectdata Secretary. the collection of information is interface system to minimize burden on [FR Doc. E7–11059 Filed 6–6–07; 8:45 am] necessary for the proper performance of respondents, with participating BILLING CODE 6730–01–P the FDIC’s functions, including whether institutions submitting the data within the information has practical utility; (b) 40 calendar days of the end of each the accuracy of the estimates of the quarter. The study will conform to FEDERAL RESERVE SYSTEM privacy rules and will not request any burden of the information collection; (c) information that could be used to ways to enhance the quality, utility, and Change in Bank Control Notices; identify individual bank customers, clarity of the information to be Acquisition of Shares of Bank or Bank such as name, address, or account collected; (d) ways to minimize the Holding Companies number. All data from participating burden of the information collection on insured institutions will remain The notificants listed below have respondents, including through the use confidential. It is the intent of the FDIC applied under the Change in Bank of automated collection techniques or to publish only general findings of the Control Act (12 U.S.C. 1817(j)) and other forms of information technology; study. §225.41 of the Board’s Regulation Y (12 and (e) estimates of capital or start-up CFR 225.41) to acquire a bank or bank costs, and costs of operation, Benefits to Institutions Participating in holding company. The factors that are maintenance and purchase of services to the Pilot considered in acting on the notices are provide the information. As indicated above, the study is being set forth in paragraph 7 of the Act (12 Dated at Washington, DC, this 1st day of conducted on a volunteer basis. It is U.S.C. 1817(j)(7)). June, 2007. anticipated, however, that institutionsThe notices are available for participating in the study will realize Federal Deposit Insurance Corporation. immediate inspection at the Federal some benefits. A state non-member bankReserve Bank indicated. The notices Valerie J. Best, that establishes a loan program thatalso will be available for inspection at Assistant Executive Secretary. provides small, unsecured consumerthe office of the Board of Governors. [FR Doc. E7–11005 Filed 6–6–07; 8:45 am] loans that are consistent with theInterested persons may express their BILLING CODE 6714–01–P Affordable Small-Dollar Loanviews in writing to the Reserve Bank