Federal Register / Vol. 81, No. 66 / Wednesday, April 6, 2016 / Notices 19971

The meeting site is fully accessible to terminated, the Receiver discharged, FEDERAL DEPOSIT INSURANCE people using wheelchairs or other and the Receivership Estate has ceased CORPORATION mobility aids. Sign language to exist as a legal entity. interpreters, open captioning, and Notice to All Interested Parties of the Dated: April 1, 2016. assistive listening devices will be Termination of the Receivership of provided on site. Other reasonable Federal Deposit Insurance Corporation. 10259, Metro Bank of Dade County; accommodations for people with Robert E. Feldman, Miami, Florida disabilities are available upon request. Executive Secretary. Notice is hereby given that the Federal In your request, include a description of [FR Doc. 2016–07861 Filed 4–5–16; 8:45 am] Deposit Insurance Corporation (‘‘FDIC’’) the accommodation you will need and BILLING CODE 6714–01–P as Receiver for Metro Bank of Dade a way we can contact you if we need County, Miami, Florida (‘‘the Receiver’’) more information. Last minute requests intends to terminate its receivership for will be accepted, but may be impossible FEDERAL DEPOSIT INSURANCE said institution. The FDIC was to fill. Send an email to: [email protected] CORPORATION appointed receiver of Metro Bank of or call the Consumer & Governmental Dade County on July 16, 2010. The Affairs Bureau at 202–418–0530 (voice), Notice to All Interested Parties of the liquidation of the receivership assets 202–418–0432 (TTY). Termination of the Receivership of has been completed. To the extent Additional information concerning 10084, First Piedmont Bank; Winder, permitted by available funds and in this meeting may be obtained from the Georgia accordance with law, the Receiver will Office of Media Relations, (202) 418– be making a final dividend payment to 0500; TTY 1–888–835–5322. Audio/ Notice is hereby given that the Federal proven creditors. Video coverage of the meeting will be Deposit Insurance Corporation (‘‘FDIC’’) Based upon the foregoing, the broadcast live with open captioning as Receiver for First Piedmont Bank, Receiver has determined that the over the Internet from the FCC Live Web Winder, Georgia (‘‘the Receiver’’) continued existence of the receivership page at www.fcc.gov/live. intends to terminate its receivership for will serve no useful purpose. For a fee this meeting can be viewed said institution. The FDIC was Consequently, notice is given that the live over George Mason University’s appointed receiver of First Piedmont receivership shall be terminated, to be Capitol Connection. The Capitol Bank on July 17, 2009. The liquidation effective no sooner than thirty days after Connection also will carry the meeting of the receivership assets has been the date of this Notice. If any person live via the Internet. To purchase these completed. To the extent permitted by wishes to comment concerning the services, call (703) 993–3100 or go to termination of the receivership, such www.capitolconnection.gmu.edu. available funds and in accordance with law, the Receiver will be making a final comment must be made in writing and Federal Communications Commission. dividend payment to proven creditors. sent within thirty days of the date of Marlene H. Dortch, this Notice to: Federal Deposit Based upon the foregoing, the Secretary. Insurance Corporation, Division of Receiver has determined that the Resolutions and Receiverships, [FR Doc. 2016–07846 Filed 4–5–16; 8:45 am] continued existence of the receivership BILLING CODE 6712–01–P Attention: Receivership Oversight will serve no useful purpose. Department 32.1, 1601 Bryan Street, Consequently, notice is given that the Dallas, TX 75201. receivership shall be terminated, to be No comments concerning the FEDERAL DEPOSIT INSURANCE effective no sooner than thirty days after CORPORATION termination of this receivership will be the date of this Notice. If any person considered which are not sent within Notice of Termination: 10342 Sunshine wishes to comment concerning the this time frame. State Community Bank, Port Orange, termination of the receivership, such Dated: April 1, 2016. Florida comment must be made in writing and Federal Deposit Insurance Corporation. sent within thirty days of the date of Robert E. Feldman, The Federal Deposit Insurance this Notice to: Federal Deposit Executive Secretary. Corporation (FDIC), as Receiver for Insurance Corporation, Division of 10342, Sunshine State Community Resolutions and Receiverships, [FR Doc. 2016–07860 Filed 4–5–16; 8:45 am] Bank, Port Orange, Florida (Receiver) Attention: Receivership Oversight BILLING CODE 6714–01–P has been authorized to take all actions Department 32.1, 1601 Bryan Street, necessary to terminate the receivership Dallas, TX 75201. estate of Sunshine State Community FEDERAL DEPOSIT INSURANCE Bank (Receivership Estate); the Receiver No comments concerning the CORPORATION has made all dividend distributions termination of this receivership will be required by law. considered which are not sent within Agency Information Collection The Receiver has further irrevocably this time frame. Activities: Proposed Collection Renewals; Comment Request (3064– authorized and appointed FDIC- Dated: April 1, 2016. Corporate as its attorney-in-fact to 0001, –0174, –0188 & –0191) Federal Deposit Insurance Corporation. execute and file any and all documents AGENCY: Federal Deposit Insurance Robert E. Feldman, that may be required to be executed by Corporation (FDIC). Executive Secretary. the Receiver which FDIC-Corporate, in ACTION: Notice and request for comment. its sole discretion, deems necessary; [FR Doc. 2016–07859 Filed 4–5–16; 8:45 am] including but not limited to releases, BILLING CODE 6714–01–P SUMMARY: The FDIC, as part of its discharges, satisfactions, endorsements, continuing effort to reduce paperwork assignments and deeds. and respondent burden, invites the Effective April 1, 2016, the general public and other Federal Receivership Estate has been agencies to take this opportunity to

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comment on the renewal of existing the rear of the 17th Street Building Estimated Time per Response: 125 information collections, as required by (located on F Street), on business days hours. the Paperwork Reduction Act of 1995. between 7:00 a.m. and 5:00 p.m. Total Annual Burden: 17,875 hours. Currently, the FDIC is soliciting All comments should refer to the General Description: The Federal comment on the renewal of the relevant OMB control number. A copy information collections described of the comments may also be submitted Deposit Insurance Act requires financial below. to the OMB desk officer for the FDIC: institutions to apply to the FDIC to obtain deposit insurance. This DATES: Comments must be submitted on Office of Information and Regulatory collection provides FDIC with the or before June 6, 2016. Affairs, Office of Management and information needed to evaluate the ADDRESSES: Interested parties are Budget, New Executive Office Building, applications. invited to submit written comments to Washington, DC 20503. the FDIC by any of the following FOR FURTHER INFORMATION CONTACT: Gary 2. Title: Interagency Guidance on methods: Kuiper or Manny Cabeza, at the FDIC Funding and Liquidity Risk • http://www.FDIC.gov/regulations/ address above. Management. laws/federal/. SUPPLEMENTARY INFORMATION: OMB Number: 3064–0174. • Email: [email protected]. Include Proposal to renew the following the name and number of the collection currently-approved collections of Affected Public: Insured state in the subject line of the message. information: nonmember banks and state savings • Mail: Gary A. Kuiper 1. Title: Charter and Federal Deposit associations. (202.898.3877), Counsel, MB–3016 or Insurance Application. Frequency of Response: Occasionally. Manny Cabeza (202.898.3767), Counsel OMB Number: 3064–0001. (Paragraph 14); Quarterly (Paragraph MB–3105, Federal Deposit Insurance Affected Public: Banks or savings 20). Corporation, 550 17th Street NW., associations wishing to become FDIC- Estimated Number of Respondents: Washington, DC 20429. insured depository institutions. • Hand Delivery: Comments may be Frequency of Response: On occasion. 3,947. hand-delivered to the guard station at Annual Number of Respondents: 143. Burden Estimate:

Number of Average hours Responses respondents per response per year Total hours

Paragraph 14 (Record Keeping) ...... Large Institutions (over $20 billion in assets) ...... 19 720 1 13,680 Mid-size Institutions ($1 to $20 billion in assets) ...... 329 240 1 78,960 Small Institutions (less than $1 billion in assets) ...... 3,599 80 1 287,920 Paragraph 14 Subtotal ...... 3,947 ...... 380,560 Paragraph 20 (Reporting) ...... All supervised institutions ...... 3,947 4 12 189,456

Total Burden Hours ...... 570,016

General Description: The information and procedures that consider liquidity changes in market conditions, the collection includes reporting and costs, benefits, and risks in strategic institution’s financial performance, and recordkeeping requirements related to planning. In addition, the guidance other important risk factors. sound risk management principles encourages the use of liquidity risk 3. Title: Appraisals for Higher-Priced applicable to insured depository reports that provide detailed and Mortgage Loans. institutions. To enable an institution aggregate information on items such as OMB Number: 3064–0188. and its supervisor to evaluate the cash flow gaps, cash flow projections, Affected Public: Insured state liquidity risk exposure of an assumptions used in cash flow nonmember banks and state savings institution’s individual business lines projections, asset and funding associations. and for the institution as a whole, the concentrations, funding availability, and Frequency of Response: Occasionally. guidance summarizes principles of early warning or risk indicators. This is Estimated Number of Respondents: sound liquidity risk management and intended to enable management to 2,428. advocates the establishment of policies assess an institution’s sensitivity to Burden Estimate:

Number of Number of Hours per Total burden respondents responses response hours

Review and Provide Copy of Full Interior Appraisal (reporting burden) Non-automated responders ...... 809 13 .25 2,629 Automated responders ...... 1,619 13 .08 1,684

Subtotal ...... 2,428 ...... 4,313 Investigate and Verify Requirement for Second Appraisal (recordkeeping burden) Non-automated responders ...... 809 8 .25 1,618 Automated responders ...... 1,619 8 .08 1,036

Subtotal ...... 2,428 ...... 2,654 Conduct and Provide Second Appraisal (reporting burden) Non-automated responders ...... 809 1 .25 202

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Number of Number of Hours per Total burden respondents responses response hours

Automated responders ...... 1,619 1 .08 129

Subtotal ...... 2,428 ...... 331

Total Annual Burden ...... 7,298

General Description: Section 1471 of regarding the purpose of the appraisal; price paid by the seller and the the Dodd-Frank Act established a new a notice that that the creditor will acquisition price of the property as set Truth in Lending (TILA) section 129H, provide the applicant a copy of any forth in the consumer’s purchase which contains appraisal requirements written appraisal; and notice that that agreement); (2) Changes in market applicable to higher-risk mortgages and the applicant may choose to have a conditions; and (3) Any improvements prohibits a creditor from extending separate appraisal conducted at the made to the property between the date credit in the form of a higher-risk expense of the applicant. The creditor of the previous sale and the current sale. mortgage loan to any consumer without must also provide the consumer with a The information collection meeting those requirements. A higher- free copy of any written appraisals requirements are needed to protect risk mortgage is defined as a residential obtained for the transaction at least consumers and promote the safety and mortgage loan secured by a principal three business days before closing. soundness of creditors making higher- The rule also requires a higher-risk dwelling with an annual percentage rate risk mortgage loans. This information is mortgage loan creditor to obtain an (APR) that exceeds the average prime used by creditors to evaluate real estate additional written appraisal, from a collateral in higher-risk mortgage loan offer rate (APOR) for a comparable different licensed or certified appraiser, transaction as of the date the interest transactions and by consumers entering at no cost to the borrower, if: The these transactions. rate is set by certain enumerated higher-risk mortgage loan will finance percentage point spreads. Additionally, 4. Title: Interagency Guidance on the acquisition of the consumer’s Leveraged Lending. 12 CFR part 1026 allows a creditor to principal dwelling; the seller acquired make a higher-risk mortgage loan only if the home within 180 days of signing the OMB Number: 3064–0191. certain conditions are met. The creditor agreement to sell the property; and the Affected Public: Insured state must obtain a written appraisal consumer is purchasing the home for a nonmember banks and state savings performed by a certified or licensed higher price than the seller paid. associations. appraiser who must conduct a physical The additional written appraisal Frequency of Response: Occasionally. property visit of the interior of the generally must include the following Estimated Number of Respondents: property. At application, the applicant information: (1) An analysis of the 10. must be provided with a statement difference in sale prices (i.e., the sale Burden Estimate:

Estimated Estimated av- Estimated total Number of annual fre- erage hours annual burden respondents quency per response hours

Implementation Burden Recordkeeping burden ...... 1 1 986.7 986.7

Total Implementation Burden ...... 986.7 Ongoing Burden Recordkeeping burden ...... 9 1 529.3 4,763.7

Total Ongoing Burden ...... 4,763.7

Total PRA Burden ...... 5,750.4

General Description: The Guidance management to identify, aggregate, and management expectations for credits describes expectations for the sound monitor leveraged exposures and awaiting distribution, stress testing risk management of leveraged lending comply with policy across all business expectations and portfolio management, activities, including the importance for lines; (f) Strong pipeline management and risk management expectations, all institutions to develop and maintain: (a) policies and procedures; and (g) of which will be reviewed during Transactions structured to reflect a Guidelines for conducting periodic supervisory examinations to assess how sound business premise, an appropriate portfolio and pipeline stress tests to well the financial institution is capital structure, and reasonable cash quantify the potential impact of managing its risk. Banks will not be flow and balance sheet leverage; (b) A economic and market conditions on the submitting documentation to the FDIC. definition of leveraged lending that institution’s asset quality, earnings, Rather, FDIC examiners will review this facilitates consistent application across liquidity, and capital. documentation during examinations to all business lines; (c) Well-defined The guidance outlines high-level assess a bank’s management of its risk. underwriting standards; (d) A credit principles related to safe and sound Request for Comment limit and concentration framework leveraged lending activities, including consistent with the institution’s risk underwriting considerations, assessing Comments are invited on: (a) Whether appetite; (e) Sound MIS that enable and documenting enterprise value, risk the collections of information are

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necessary for the proper performance of Seas Cruises; Phoenix Reisen Gmbh; Dated: April 1, 2016. the FDIC’s functions, including whether ; Pullmantur Cruises Karen V. Gregory, the information has practical utility; (b) Ship Management Ltd.; Regent Seven Secretary. The accuracy of the estimates of the Seas Cruises; Riviera Tours Ltd.; Royal [FR Doc. 2016–07890 Filed 4–5–16; 8:45 am] burden of the collections of information, Caribbean International; Scenic Tours BILLING CODE 6731–AA–P including the validity of the UK Ltd.; ; methodology and assumptions used; (c) SeaDream Yacht Club; Shearings Ways to enhance the quality, utility, and Holidays Ltd.; Silversea Cruises, Ltd.; clarity of the information to be Star Cruises (HK) Limited; St. Helena DEPARTMENT OF HEALTH AND collected; and (d) Ways to minimize the Line/Andrew Weir Shipping Ltd.; Swan HUMAN SERVICES burden of the collections of information Hellenic; Tauck River Cruising; The on respondents, including through the River Cruise Line; Thomson Cruises; Centers for Disease Control and use of automated collection techniques Travelmarvel; Tui Cruises Gmbh; Un- Prevention or other forms of information Cruises Adventures; Uniworld River technology. All comments will become Cruises, Inc.; Venice Simplon-Orient- [30Day-16–0469] a matter of public record. Express Ltd./Belmond; Voyages of Discovery; Voyages to Antiquity (UK) Agency Forms Undergoing Paperwork Dated at Washington, DC, this 31st day of Reduction Act Review March 2016. Ltd.; and Windstar Cruises. Filing Party: Andre Picciurro, Esq. The Centers for Disease Control and Federal Deposit Insurance Corporation. Kaye, Rose & Partners, LLP; Emerald Prevention (CDC) has submitted the Robert E. Feldman, Plaza, 402 West Broadway, Suite 1300; following information collection request Executive Secretary. San Diego, CA 92101–3542 to the Office of Management and Budget [FR Doc. 2016–07819 Filed 4–5–16; 8:45 am] Synopsis: The amendment would add (OMB) for review and approval in BILLING CODE 6714–01–P language to clarify that the agreement can represent its members before federal accordance with the Paperwork and state judiciaries. Reduction Act of 1995. The notice for the proposed information collection is FEDERAL MARITIME COMMISSION Agreement No.: 011223–052. Title: Transpacific Stabilization published to obtain comments from the Notice of Agreements Filed Agreement. public and affected agencies. Parties: American President Lines, Written comments and suggestions The Commission hereby gives notice Ltd. and APL Co. PTE Ltd.; (operating from the public and affected agencies of the filing of the following agreements as a single carrier); Maersk Line A/S; concerning the proposed collection of under the Shipping Act of 1984. CMA CGM, S.A.; COSCO Container information are encouraged. Your Interested parties may submit comments Lines Company Ltd; Evergreen Line comments should address any of the on the agreements to the Secretary, Joint Service Agreement; Hanjin following: (a) Evaluate whether the Federal Maritime Commission, Shipping Co., Ltd.; Hapag-Lloyd AG; proposed collection of information is Washington, DC 20573, within twelve Hyundai Merchant Marine Co., Ltd.; necessary for the proper performance of days of the date this notice appears in Kawasaki Kisen Kaisha Ltd.; MSC the functions of the agency, including the Federal Register. Copies of the Mediterranean Shipping Company S.A.; whether the information will have agreements are available through the Nippon Yusen Kaisha; Orient Overseas practical utility; (b) Evaluate the Commission’s Web site (www.fmc.gov) Container Line Limited; Yangming accuracy of the agencies estimate of the or by contacting the Office of Marine Transport Corp.; and Zim burden of the proposed collection of Agreements at (202)–523–5793 or Integrated Shipping Services, Ltd. information, including the validity of [email protected]. Filing Party: David F. Smith, Esq.; the methodology and assumptions used; Agreement No.: 010071–044. Cozen O’Conner; 1200 Nineteenth Street (c) Enhance the quality, utility, and Title: Cruise Lines International NW.; Washington, DC 20036. clarity of the information to be Association Agreement. Synopsis: The amendment deletes collected; (d) Minimize the burden of Parties: Acromas Shipping, Ltd./Saga China Shipping Container Lines (Hong the collection of information on those Shipping; Aida Cruises; AMA Kong) Company Limited and China who are to respond, including through Waterways; American Cruise Lines, Inc.; Shipping Container Lines Company the use of appropriate automated, Aqua Expeditions Pte. Ltd.; Australian Limited as parties to the agreement. electronic, mechanical, or other Pacific Touring Pty Ltd.; Avalon Agreement No.: 012288–002. technological collection techniques or Waterways; Azamara Cruises; Carnival Title: Hoegh/NYK Atlantic/Pacific other forms of information technology, Cruise Lines; CDF Croisieres de France; Space Charter Agreement. e.g., permitting electronic submission of Celebrity Cruises, Inc.; Celestyal Parties: Hoegh Autoliners AS and responses; and (e) Assess information Cruises; Costa Cruise Lines; Compagnie Nippon Yusen Kaisha. collection costs. Du Ponant; Croisieurope; Cruise & Filing Party: Wayne Rohde, Esq.; To request additional information on Maritime Voyages; Crystal Cruises; Cozen O’Connor; 1200 Nineteenth St. the proposed project or to obtain a copy ; Disney Cruise Line; NW.; Washington, DC 20006. of the information collection plan and Emerald Waterways; Evergreen Tours; Synopsis: The amendment adds the instruments, call (404) 639–7570 or Fred.Olsen Cruise Lines Ltd.; Hapag- trades between the U.S. West Coast, on send an email to [email protected]. Written Lloyd Kreuzfahrten Gmbh; Hebridean the one hand, and Thailand, Taiwan, comments and/or suggestions regarding Island Cruises; ; Indonesia, Malaysia, Brunei, the items contained in this notice Hurtigruten, Inc.; Island Cruises; Philippines, Bangladesh, Vietnam, Sri should be directed to the Attention: Lindblad Expeditions Pty Ltd.; Luftner Lanka, Myanmar, Singapore, Australia CDC Desk Officer, Office of Management Cruises; Mekong Waterways; MSC and New Zealand on the other hand, to and Budget, Washington, DC 20503 or Cruises; NCL Corporation; Oceania the geographic scope of the agreement. by fax to (202) 395–5806. Written Cruises; P & O Cruises; P & O Cruises By Order of the Federal Maritime comments should be received within 30 Australia; Paul Gauguin Cruises; Pearl Commission. days of this notice.

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