[Federal Register Volume 59, Number 97 (Friday, May 20, 1994)]
[Unknown Section]
[Page 0]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 94-12270]
[[Page Unknown]]
[Federal Register: May 20, 1994]
=======================================================================
-----------------------------------------------------------------------
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the Currency
12 CFR Part 27
[Docket No. 94-09]
RIN 1557-AB33
Fair Housing Home Loan Data System
AGENCY: Office of the Comptroller of the Currency, Treasury.
ACTION: Final rule.
-----------------------------------------------------------------------
SUMMARY: The Office of the Comptroller of the Currency (OCC) is issuing
a final rule amending its Fair Housing Home Loan Data System (FHHLDS).
This final rule enhances the OCC's ability to use data collected under
the Home Mortgage Disclosure Act (HMDA) in fair lending examinations
and reduces recordkeeping requirements on national banks that are
currently required to maintain duplicative information under both the
FHHLDS and the HMDA. In order to relieve duplicative recordkeeping for
those national banks, this final rule replaces the current FHHLDS
monthly recordkeeping requirement with the HMDA Loan/Application
Registers already maintained by national banks, which will be required
to be updated on a quarterly basis. In order to improve the OCC's
ability to use HMDA data in fair lending examinations, this final rule
requires that all national banks subject to the HMDA, including those
banks not subject to the FHHLDS, maintain information on the HMDA Loan/
Application Registers on a quarterly basis. National banks that are not
subject to the HMDA requirements will continue to be subject to the
original FHHLDS recordkeeping requirement, which will be updated
quarterly under this final rule. The intended effect of this final rule
is to improve the OCC's supervision of national banks while also
reducing a duplicative recordkeeping burden on affected national banks.
EFFECTIVE DATE: June 20, 1994.
FOR FURTHER INFORMATION CONTACT: Larry Riedman, Fair Lending
Specialist, Compliance Management Division, (202) 874-4446; or F. John
Podvin, Jr., Attorney, Bank Operations and Assets Division, (202) 874-
4460, Office of the Comptroller of the Currency, Washington, DC 20219.
SUPPLEMENTARY INFORMATION: The OCC is amending 12 CFR part 27,
pursuant to 12 U.S.C. 93a, to improve its ability to use HMDA data
in fair lending examinations of national banks and reduce burden on
national banks. The final rule requires that HMDA Loan/Application
Registers be updated quarterly, requires the reason(s) for loan
denial be indicated on the HMDA Loan/Application Registers and
relieves the requirement to maintain duplicative records for those
national banks that currently maintain records under both the
FHHLDS and the HMDA, 12 U.S.C. 2801 et seq.
Background
On November 2, 1979, the OCC published a final rule (1979 final
rule) in the Federal Register (44 FR 63084), which implemented 12 CFR
part 27. The 1979 final rule provided a basis for a more effective fair
housing monitoring program for home loans. The 1979 final rule
established new recordkeeping requirements and a data collection system
for monitoring national bank compliance with the Fair Housing Act
(Title VIII of the Civil Rights Act of 1968), 42 U.S.C. 3601 et seq.
and the Equal Credit Opportunity Act, 15 U.S.C. 1691 et seq.
In August 1989, the Financial Institutions Reform, Recovery and
Enforcement Act of 1989 (FIRREA), section 1211, Public Law 101-73, 103
Stat. 183 (12 U.S.C. 2803) amended the HMDA. On December 15, 1989, the
Federal Reserve Board published a final rule (FRB final rule) in the
Federal Register (54 FR 51356). The FRB final rule implemented a
revised version of 12 CFR part 203 (Regulation C), which is the
implementing regulation for the HMDA. Under the FRB final rule, certain
national banks and their majority-owned mortgage banking subsidiaries
must maintain individual loan application registers and forward them
annually to the appropriate OCC office.
In response to FIRREA and the FRB final rule, the Office of Thrift
Supervision (OTS) and the Federal Deposit Insurance Corporation (FDIC)
amended their regulations concerning home loan activity to make them
similar to Regulation C.
OCC Proposed Rule
On May 10, 1993, the OCC issued a notice of proposed rulemaking,
pursuant to 12 U.S.C. 93a, to amend the FHHLDS. See 58 FR 27484. In its
proposed rule, the OCC recognized that national banks subject to the
recordkeeping requirements of both the FHHLDS and the HMDA were
required to maintain duplicative information on home loan activity. The
OCC proposal sought to relieve the duplicative recordkeeping burden on
these banks without affecting banks that are not subject to the HMDA,
but currently are subject to the monthly recordkeeping requirement in
the FHHLDS.
In its proposed rule, the OCC sought to amend the FHHLDS to relieve
the duplicative recordkeeping requirement for banks subject to both
FHHLDS and HMDA by replacing the recordkeeping requirement on monthly
home loan activity, currently located at Sec. 27.3(a), with the
existing requirement in the HMDA and Regulation C. Regulation C
generally requires that national banks (and their majority-owned
mortgage banking subsidiaries) with an office or branch located in a
metropolitan statistical area (MSA) or primary MSA, as defined by the
Office of Management and Budget (OMB), and with total assets greater
than $10 million as of December 31 of the preceding calendar year,
maintain information on home loan activity.
Under the proposal, national banks subject to the HMDA would
maintain the information in a format similar to that prescribed under
Regulation C (Loan/Application Register or LAR), except that (1) if a
loan is denied, the reason(s) for denial are required to be entered on
the Loan/Application Register; and (2) all the required information is
entered on the Loan/Application Register within 30 calendar days after
final disposition of the loan application.
The OCC proposal retained the existing monthly recordkeeping
requirements in the FHHLDS for national banks that are not subject to
the HMDA and Regulation C. The OCC proposal also retained the remaining
provisions of the FHHLDS, which authorize the Comptroller to use his or
her discretion in requiring national banks to maintain a Fair Housing
Inquiry/Application Log or to complete Home Loan Data Submission Forms
if the Comptroller has reason to believe that a national bank is
engaging in discriminatory practices. Also, several clarifying
amendments to Sec. 27.7 were proposed. These changes made Sec. 27.7
conform with the proposed amendments to the recordkeeping requirements
in Sec. 27.3(a). The proposal also stated that the OCC is studying the
FHHLDS to determine what data are most effective in identifying
discrimination in home lending, to identify the most effective and
least burdensome method for collecting home loan data, and to develop
an improved statistical model that will enhance its ability to analyze
home loan data.
The OCC invited public comment on any aspect of the proposed rule
for a 60 day period ending on July 9, 1993. The OCC specifically sought
comment on the issue of whether the recordkeeping burden imposed by the
proposal was minimal. The OCC received 44 comment letters from banks,
bank holding companies, trade groups and the OMB. Forty-one commenters
expressed general support for the proposed rule; however, several of
these same commenters objected to specific provisions of the proposal.
Two commenters made recommendations without expressing support for or
opposition to the proposed rule. The OMB did not express support for or
opposition to the proposed rule.
Pursuant to 12 U.S.C. 93a, this final rule revises the proposed
rule based on the 44 comment letters and makes other changes to clarify
the requirements in the proposed rule.
Review of Comments
The following is a discussion of the issues raised by the
commenters, the OCC's responses to those issues, and a summary of
changes made to the proposed rule.
A. Update Requirement
The proposed rule stated that a national bank subject to the HMDA
was required to record all information on the HMDA-LAR within 30
calendar days after the final disposition of the loan application
(i.e., the application is denied, withdrawn, or the loan closes).
Commenters in favor of the 30-day update requirement included both
small and large national banks. Generally, these banks indicated that
they were already updating their LARs within the 30-day time period.
One comment letter from a bank trade association agreed and stated that
the 30-day update requirement would not impose a significant additional
burden on banks.
Commenters opposed to the 30-day update requirement also included
small and large national banks. These commenters suggested that the OCC
extend the 30-day period to various lengths of time, including: 45
days, 60 days, and quarterly. These commenters stated that they would
have to change their current recordkeeping procedures in order to
comply with the 30-day update requirement, resulting in an increase in
recordkeeping burden. Some of the specific problems or concerns cited
by these commenters include the following:
Banks with many branches generally submit home loan data
monthly to a central location for entry onto the bank's central LAR. In
order to meet the 30-day requirement, branches would have to submit the
information bi-weekly.
Some banks do not input the geo-coding information (i.e.,
state, county, MSA and census tract codes) because it is time consuming
and can be managed better by automated systems operated by third-party
specialists. Because this process is expensive, it is done on a
quarterly basis. These banks also stated that it would be very
expensive to bring this process in-house.
Banks will have a problem assuring data accuracy on a 30
day, loan-by-loan basis. A longer updating time frame will allow more
time for editing and correcting the data.
A group of commenters recommended that the OCC consider
the impact the 30-day update requirement may have on small national
banks that do not have automated reporting systems.
In response to these comments and in the interest of minimizing
recordkeeping burden on national banks, the OCC replaced the 30-day
update requirement with a quarterly update requirement in the final
rule. The final rule states that a national bank subject to the HMDA is
required to record all information on the HMDA-LAR within 30 calendar
days after the end of each calendar quarter.
The OCC also changed the update requirement for non-HMDA banks that
are required to maintain the FHHLDS's monthly home loan activity
report. Under the proposed rule, non-HMDA banks that receive 50 or more
home loan applications a year were required to maintain home loan data
in a report that was updated monthly, within 10 working days after the
close of the month, in a format consistent with the bank's
recordkeeping procedures. Under this final rule, that report is updated
quarterly, within 30 calendar days after the end of each calendar
quarter, in a format consistent with the bank's recordkeeping
procedures. This change will make both HMDA banks and non-HMDA banks
subject to the same updating requirement.
B. Reasons for Denial
Under the proposed rule, a national bank subject to the HMDA was
required to maintain the reason(s) for denying a loan application.
The commenters in favor of the reasons for denial requirements
generally stated that they were already voluntarily providing the
reason(s) for denial. Several commenters also stated that it was a good
idea to require the reasons for denial in order to better monitor the
bank's lending activity and compliance with fair housing statutes.
The commenters opposed to the reason(s) for denial requirement
provided various reasons for their opposition. One commenter stated
that the nine HMDA codes are too limited to fully explain the reason(s)
for the denial and that the true reason(s) for the denial can be found
by examiners in the loan file. Another commenter stated that the FDIC
does not require the reason(s) for denial in its regulation. Finally,
another commenter preferred the treatment under Regulation C, which
states that providing the reason(s) for denial is optional. See 12 CFR
203.4(c).
After considering these comments, the OCC determined that the final
rule will retain the requirement that national banks maintain the
reason(s) for denying a loan application for the following reasons. The
OCC believes that requiring the reason(s) for denial will improve both
the OCC's and national banks' monitoring of lending activity and
compliance with fair housing statutes. The OCC notes that the OTS also
requires the reason(s) for denial in its regulation, codified at 12 CFR
528.6(d)(2)(viii).
Several commenters suggested that the OCC include provisions in the
final rule requiring national banks to use the nine HMDA codes when
entering the reason(s) for denial. Another commenter suggested that the
OCC devise a key of various reason(s) for denial based upon a list used
in adverse action notices under the Equal Credit Opportunity Act. Based
on these comments, the OCC determined that HMDA codes are needed for
consistency. The final rule requires national banks to use the nine
HMDA codes provided in Regulation C.
C. Recordkeeping Burden Comments
In the proposed rule, the OCC specifically requested comments on
the issue of whether the recordkeeping burden imposed by the proposal
was minimal. Commenters stating that burden would be increased under
the proposal were substantially outnumbered by commenters stating that
burden would be decreased.
Many commenters stated generally that the proposal would reduce
recordkeeping burden. Several commenters referred to the reduction in
staff hours and resources used in recording home loan information.
Another commenter stated that those resources could be used in other
areas if the proposal was adopted.
Commenters stating that burden would be increased generally focused
on the 30-day update requirement and the burden associated with
changing procedures to meet the proposed time period. The OCC changed
the 30-day update requirement in the proposed rule to a quarterly
update requirement in the final rule to alleviate the potential burden
increase identified by these commenters.
D. Accuracy of the Data
While the proposed rule was silent on the issue of data accuracy,
several commenters were concerned about this issue. One commenter
stated that currently the bank employed procedures to check the
accuracy of the data annually, just before the bank must report its
HMDA data. The commenter stated that the 30-day update requirement
would require a significant change in the bank's procedures in order to
ensure that the data are accurate. Another commenter suggested that a
bank should only be held to a standard of reasonable diligence and good
faith as to the accuracy of the data prior to the annual filing.
The OCC believes that updating quarterly rather than monthly will
reduce the burden of ensuring the accuracy of the data entered onto the
LAR. The OCC notes that Regulation C already contains a provision
relating to data accuracy. Regulation C provides that an error in
compiling or recording loan data is not a violation of the HMDA or
Regulation C if it was unintentional and occurred despite the
maintenance of procedures reasonably adapted to avoid such errors. See
12 CFR 203.6(b). The OCC believes that this standard is adequate and
does not need to be restated. National banks subject to the HMDA that
do not have this type of procedure in place should develop a procedure
to meet this standard.
E. Compliance Alternatives
Under the proposed rule, national banks subject to the HMDA could
not comply with the monthly recordkeeping requirement by completing the
monthly home loan activity report in Sec. 27.3(a)(2). Similarly, non-
HMDA national banks could not comply with the monthly recordkeeping
requirement by maintaining a HMDA-LAR in accordance with the
requirements in Sec. 27.3(a)(1).
One commenter suggested that all banks be given an alternative to
comply with the FHHLDS monthly recordkeeping requirement by using
either the HMDA-LAR or the monthly home loan activity report. Two other
commenters suggested that non-HMDA banks be allowed to record their
monthly home loan activity in the HMDA-LAR format in order to take
advantage of available on-line automated systems for LAR preparation
rather than requiring them to maintain a handwritten monthly home loan
activity report.
The OCC believes that not all banks should be given a compliance
alternative, particularly in light of the change to a quarterly update
requirement in the final rule. However, the OCC believes that national
banks not subject to HMDA should be allowed to comply with the
quarterly recordkeeping requirement by maintaining either the monthly
home loan activity report or the HMDA-LAR, in accordance with this
final rule. This alternative will allow non-HMDA national banks that
are subject to the FHHLDS to take advantage of available on-line
automated systems for LAR preparation. The final rule reflects this
change.
F. Frequency of Reporting
The proposed rule addressed only maintenance of home loan data and
did not include provisions on the filing or reporting of the data. One
bank was concerned that, while not stated as a purpose of the proposal,
the increased processing and editing of the LAR could be the foundation
for increasing the frequency of filing the HMDA data from the current
annual requirement. According to the commenter, increased filing ran
the risk of presenting an unrealistic snapshot of the bank's lending
performance.
The quarterly recordkeeping requirement in Sec. 27.3(a) is a
records maintenance requirement and not a reporting requirement. The
reporting requirement for the HMDA is located in Regulation C at 12 CFR
203.5(a). Changes in the frequency of reporting or filing HMDA data, if
any, would be made to Regulation C, a FRB regulation.
G. Retroactivity
One commenter recommended that the final rule be promulgated on a
retroactive basis, effective January 1, 1993. The OCC declines to
accept the commenter's recommendation. While the OCC believes that the
final rule reduces recordkeeping burden, certain national banks must be
given time to change their procedures to comply with these
requirements. Therefore, the final rule will become effective June 20,
1994.
H. Differences Between the FHHLDS and HMDA
Five commenters pointed out differences between the FHHLDS and the
HMDA. One commenter submitted two exhibits detailing differences in
coverage and information requirements. Another commenter suggested that
the two systems should be subject to the same reporting standards. A
third commenter suggested that the definition of ``home loan'' be the
same for both regulations. Another commenter suggested that the loans
covered in 12 CFR 202.13(a) should be used as a guide for the FHHLDS.
Finally, one commenter pointed out that the FHHLDS does not have a
mechanism to deal with cases where a mail or telephone applicant for a
loan declines to provide information regarding race or sex. The
commenter pointed out that Regulation C has this type of mechanism.
As noted in the proposed rule, the OCC is studying the FHHLDS to
determine what data are most effective in identifying discrimination in
home lending, to identify the most effective and least burdensome
method for collecting home loan data, and to develop an improved
statistical model that will enhance our ability to analyze home loan
data. The OCC is considering, but chose not to implement these
commenters' suggestions into this final rule because of the necessity
and importance of enhancing the HMDA data and reducing regulatory
burden as soon as possible. However, the issues raised by the
commenters will be considered further in the context of the OCC's
ongoing study of the FHHLDS. After the study is complete, the OCC
expects to publish in the Federal Register a notice of proposed
rulemaking to explain any further proposed changes to the FHHLDS.
I. The OMB Comment
In an official comment, the OMB stated that ``the OCC should revise
12 CFR 27.3(b)(1)(xx) and 12 CFR 27.4(c)(5) so that the race and ethnic
categories in its regulations are consistent with OMB Statistical
Policy Directive No. 15, `Race and Ethnic Standards for Federal
Statistics and Administrative Reporting.''' The effect of the suggested
revisions is to change the way the regulation refers to various racial
and ethnic groups. The OCC determined that the suggested technical
revisions are in keeping with the intent of the proposal. Therefore,
the OCC has adopted OMB's suggested revisions of Secs. 27.3(b)(1)(xx)
and 27.4(c)(5) and has made conforming changes to Appendices II, III,
and IV.
Paperwork Reduction Act
The collection of information contained in this final rule has been
submitted to the Office of Management and Budget (OMB) under control
number 1557-0159 in accordance with the Paperwork Reduction Act of 1980
(44 U.S.C. 3504(h)).
For those banks required to submit Home Loan Data Submission Forms,
pursuant to Sec. 27.7, the reporting burden for the estimated 13 banks
filing reports will average approximately 100 hours annually, varying
by the size and activity of the bank. The recordkeeping burden for the
estimated 3,750 banks maintaining records will average approximately
1.3 hours annually.
Comments concerning the accuracy of these burden estimates and
suggestions for reducing burden should be directed to the Office of the
Comptroller of the Currency, Legislative, Regulatory, and International
Activities, Attention: 1557-0159, 250 E Street SW., Washington, DC
20219, and the Office of Management and Budget, Paperwork Reduction
Project (1557-0159), Washington, DC 20503.
Regulatory Flexibility Act
It is hereby certified that this regulation will not have a
significant economic impact on a substantial number of small entities.
Accordingly, a regulatory flexibility analysis is not required. This
regulation relieves an unnecessary duplicative recordkeeping burden on
banks that are subject to the recordkeeping requirements of both the
FHHLDS and the HMDA.
Executive Order 12866
The OCC has determined that this regulation is not a significant
regulatory action.
List of Subjects in 12 CFR Part 27
Civil rights, Credit, Fair housing, Mortgages, National banks,
Reporting and recordkeeping requirements.
Authority and Issuance
For the reasons set out in the preamble, part 27 of chapter I of
title 12 of the Code of Federal Regulations is amended as set forth
below:
PART 27--FAIR HOUSING HOME LOAN DATA SYSTEM
1. The authority citation for part 27 is revised to read as
follows:
Authority: 5 U.S.C. 301; 12 U.S.C. 1 et seq., 93a, 161, 481, and
1818; 15 U.S.C. 1691 et seq.; 42 U.S.C. 3601 et seq.; 12 CFR part
202.
2. In Sec. 27.3, paragraphs (a) and (b)(1)(xx) are revised to read
as follows:
Sec. 27.3 Recordkeeping requirements.
(a) Quarterly recordkeeping requirement. (1) A bank that is
required to collect data on home loans under part 203 of this title
shall present the data on Federal Reserve Form FR HMDA-LAR or in an
automated format in accordance with the instructions, except that:
(i) A bank shall maintain the reason(s) it denied a loan
application, using the codes provided in part 203 of this title; and
(ii) A bank shall record all information required by this paragraph
and part 203 of this title within 30 calendar days after the end of
each calendar quarter.
(2) A bank that receives 50 or more home loan applications a year,
as measured by the previous calendar year, and that is not required to
collect data under paragraph (a)(1) of this section, shall record and
maintain for each decision center the following information on home
loan activity:
(i) Number of applications received for each of the following:
Purchase; construction-permanent; refinance.
(ii) Number of loans closed for each of the following: Purchase;
construction-permanent; refinance.
(iii) Number of loans denied for each of the following: Purchase;
construction-permanent; refinance.
(iv) Number of loans withdrawn by applicant, for each of the
following: Purchase; construction-permanent; refinance.
(3) The information required to be maintained under paragraph
(a)(2) of this section shall be updated quarterly, within 30 calendar
days after the end of each calendar quarter, in a format consistent
with the bank's recordkeeping procedures.
(4) A bank exempted under paragraph (a)(2) of this section shall be
covered by that requirement beginning the month following any quarter
in which their average monthly volume of home loan applications exceeds
four applications per month. Banks which are subject to this paragraph
may discontinue keeping this information beginning the month following
two consecutive quarters in which their average monthly volume of home
loan applications drops to four or fewer applications per month. A bank
which is otherwise exempted under this paragraph may be required upon
notification received from the Comptroller, to record and maintain such
information where there is cause to believe that the bank is not in
compliance with the fair housing laws based on prior examinations and/
or has substantive consumer complaints, among other factors.
(5) A bank required to maintain information under paragraph (a)(2)
or (a)(4) of this section may choose to comply with the quarterly
recordkeeping requirement by maintaining information in accordance with
paragraph (a)(1) of this section.
(b) * * *
(1) * * *
(xx) Race/national origin of applicant(s) using the categories:
American Indian or Alaskan Native; Asian or Pacific Islander; Black,
not of Hispanic origin; White, not of Hispanic origin; Hispanic; Other.
* * * * *
3. In Sec. 27.4, paragraph (c)(5) is revised to read as follows:
Sec. 27.4 Inquiry/Application Log.
* * * * *
(c) * * *
(5) Race/national origin of the inquirer(s) or applicant(s) using
the categories: American Indian or Alaskan Native; Asian or Pacific
Islander; Black, not of Hispanic origin; White, not of Hispanic origin;
Hispanic; Other. In the case of inquiries, this item shall be noted on
the basis of visual observation or surname(s) only. In the case of
applications, the information shall be obtained pursuant to
Sec. 27.3(b)(2).
* * * * *
4. In Sec. 27.7, paragraph (b), the introductory text for paragraph
(c), and paragraph (d) are revised to read as follows:
Sec. 27.7 Availability, submission and use of data.
* * * * *
(b) Prior to a scheduled bank examination, the Comptroller may
request the information maintained under Sec. 27.3(a). A bank required
to maintain information under Sec. 27.3(a)(2) shall submit the
information to the Comptroller on the form prescribed in appendix I of
this part. A bank which is exempt from maintaining the information
required under Sec. 27.3(a) shall notify the Comptroller of this fact
in writing within 30 calendar days of its receipt of the Comptroller's
request.
(c) If, upon review of the information maintained under
Sec. 27.3(a), the Comptroller determines that statistical analysis
prior to examination is warranted, the bank will be notified.
* * * * *
(d) If there is cause to believe that a bank is in noncompliance
with fair housing laws, the Comptroller may require submission of
additional Home Loan Data Submission Forms. The Comptroller may also
require submission of the information maintained under Sec. 27.3(a) and
Home Loan Data Submission Forms at more frequent intervals than
specified in paragraphs (b) and (c) of this section.
5. A heading is added preceding Appendix I to read as follows:
Appendixes to Part 27
6. Appendix II is revised to read as follows:
Appendix II--Information for Government Monitoring Purposes
The following language is approved by the Comptroller of the
Currency and will satisfy the requirements of 12 CFR part 27. It may be
inserted to complete the ``Information for Government Monitoring
Purposes'' section of the Residential Loan Application Form (FHLMC Form
65/FNMA 1003) or may be used separately. This information may also be
provided orally by the applicant.
The following information is requested by the Federal Government if
this loan is related to a dwelling, in order to monitor the lender's
compliance with equal credit opportunity and fair housing laws. You are
not required to furnish this information, but are encourage to do so.
The law provides that a lender may neither discriminate on the basis of
this information, nor on whether you choose to furnish it. However, if
you choose not to furnish it, under Federal regulations this lender is
required to note race and sex on the basis of visual observation or
surname. If you do not wish to furnish the above information, please
initial below.
Borrower
I do not wish to furnish this information (initial)________.
Race/National Origin
{time} American Indian or Alaskan Native
{time} Asian or Pacific Islander
{time} Black, not of Hispanic origin
{time} Hispanic
{time} White, not of Hispanic origin
{time} Other (specify)________
Sex
{time} Female
{time} Male
Co-borrower
I do not wish to furnish this information (initial)________.
Race/National Origin
{time} American Indian or Alaskan Native
{time} Asian or Pacific Islander
{time} Black, not of Hispanic origin
{time} Hispanic
{time} White, not of Hispanic origin
{time} Other (specify)________
Sex
{time} Female
{time} Male
BILLING CODE 4810-33-P
6. Appendix III is revised to read as follows:
TR20MY94.003
BILLING CODE 4810-33-C
7. Appendix IV is revised to read as follows:
TR20MY94.004
TR20MY94.005
BILLING CODE 4810-33-C
Dated: May 16, 1994.
Eugene A. Ludwig,
Comptroller of the Currency.
[FR Doc. 94-12270 Filed 5-19-94; 8:45 am]
BILLING CODE 4810-33-P
