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Federal R eserve Bank
OF DALLAS
ROBERT

D. M C T E E R , J R .

DA LLA S , TEXAS

p r e s id e n t
A N D C H IE F E X E C U T IV E O F F IC E R

7 5 2 6 5 -5 9 0 6

August 2, 1995

Notice 95-74
TO:

The Chief Executive Officer of each
member bank and others concerned in
the Eleventh Federal Reserve District

SUBJECT
Joint Final Rule
Requiring Use of the Standard
Flood Hazard Determination Form
DETAILS
The Office of the Comptroller of the Currency, the Board of Governors of
the Federal Reserve System, the Federal Deposit Insurance Corporation, the Office of
Thrift Supervision, and the National Credit Union Administration are amending their
regulations concerning loans in areas having special flood hazards.
The amendment requires depository institutions to use the Standard Flood
Hazard Determination Form in determining whether real property offered as collateral
for a loan is located in a special flood hazard area. The Farm Credit Administration is
adopting this same requirement in new regulations. The standard form has been
developed by the Federal Emergency Management Agency in consultation with the
Federal entities for lending regulation and other agencies.
The final rule will become effective January 2, 1996.

ATTACHMENT
A copy of the agencies’ notice as it appears on pages 35286-89, Vol. 60, No.
129, of the Federal Register dated July 6, 1995, is attached.

F or additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal
Reserve Bank o f Dallas: Dallas Office (800) 333 -4460; E l Paso Branch Intrastate (800) 592-1631, Interstate (800) 351-1012; Houston
Branch Intrastate (800) 392-4162, Interstate (800) 221-0363; San Antonio Branch Intrastate (800) 292-5810.

This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org)

MORE INFORMATION
For more information, please contact Eugene Coy at (214) 922-6201. For
additional copies of this Bank’s notice, please contact the Public Affairs Department at
(214) 922-5254.
Sincerely yours,

FEDERAL RESERVE BANK OF DALLAS
NOTICE 95-74

Joint Final Rule
Requiring Use
of the
Standard Flood Hazard
Determination Form
(Docket No. R-0882)

35286

Federal Register / Vol. 60, No. 129 / Thursday, July 6, 1995 / Rules and Regulations

DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
12 CFR Part 22
[Docket No. 95-12]
RIN 1557-AB47

FEDERAL RESERVE SYSTEM
12 CFR Part 208
[Regulation H, Docket No. R-0882]

FEDERAL DEPOSIT INSURANCE
CORPORATION
12 CFR Part 339
RIN 3064—
AB62

DEPARTMENT OF THE TREASURY
Office of Thrift Supervision
12 CFR Part 563
[No. 95-124]
RIN 1550-AA82

FARM CREDIT ADMINISTRATION
12 CFR Part 614
RIN 3052-AB57

NATIONAL CREDIT UNION
ADMINISTRATION
12 CFR Part 760
Loans in Areas Having Special Flood
Hazards
AGENCIES: Office of the Comptroller of

the Currency, Treasury (OCC); Board of
Governors of the Federal Reserve
System (Board); Federal Deposit
Insurance Corporation (FDIC); Office of
Thrift Supervision, Treasury (OTS);
Farm Credit Administration (FCA); and
National Credit Union Administration
(NCUA) (collectively, the Federal
entities for lending regulation or the
agencies).
ACTION: Joint final rule.
SUMMARY: The OCC, Board, FDIC, OTS,

and NCUA are amending their
regulations concerning loans in areas
having special flood hazards to require
depository institutions to use the
Standard Flood Hazard Determination
Form (the standard form) in determining
whether real property offered as
collateral for a loan is located in a
special flood hazard area. The FCA is
adopting this same requirement in new
regulations. The standard form has been
developed by the Federal Emergency

Management Agency (the FEMA), in
consultation with the Federal entities
for lending regulation and other
agencies. Use of the standard form will
help ensure that borrowers obtain the
required flood insurance for improved
real property and mobile homes located
in special flood hazard areas.
EFFECTIVE DATE: January 2,1996.

L. 90—
448, 82 Stat. 476) and the Flood
Disaster Protection Act of 1973 (the 73
Act) (Pub. L. 93-234, 87 Stat. 975) to
provide, through the authorization of a
Federal flood insurance program, an
opportunity for property owners to
purchase protection for property subject
to flooding. The 68 Act and the 73 Act
are codified at 42 U.S.C. 4001 et seq.

FOR FURTHER INFORMATION CONTACT:

The Reform Act

OCC: Carol Workman, Compliance
Specialist, Compliance Management
(202) 874-4858, Margaret Hesse,
Attorney, Community and Consumer
Law Division, (202) 874-5750, or
Jacqueline L. Lussier, Senior Attorney,
Legislative and Regulatory Activities
Division, Office of Chief Counsel, (202)
874-5090, Office of the Comptroller of
the Currency, 250 E Street, SW,
Washington, D.C. 20219.
BOARD: Diane Jackins, Senior Review
Examiner, or Jennifer Lowe, Review
Examiner, Division of Consumer and
Community Affairs, (202) 452-3946, or
Lawranne Stewart, Senior Attorney,
(202) 452-3513, or Rick Heyke,
Attorney, (202) 452-3688, Legal
Division, Board of Governors of the
Federal Reserve System, 20th Street and
Constitution Avenue, NW, Washington,
D.C. 20551.
FDIC: Mark Mellon, Senior Attorney,
Regulation and Legislation Section,
Legal Division, (202) 898-3854, or Ken
Baebel, Senior Review Examiner, (202)
942-3086, or Barbara L. Boehm,
Consumer Affairs Specialist, (202) 942—
3631, Division of Compliance and
Consumer Affairs, Federal Deposit
Insurance Corporation, 550 17th Street,
NW., Washington, D.C. 20429.
OTS: Larry Clark, Program Manager,
Compliance Policy, (202) 906-5628, or
Catherine Shepard, Senior Attorney,
Regulation and Legislation Division,
Office of the Chief Counsel, (202) 906­
7275, Office of Thrift Supervision, 1700
G Street, NW, Washington, D.C. 20552.
FCA: Robert G. Magnuson, Policy
Analyst, Regulation Development,
Office of Examination, (703) 883—
4498,
or William L. Larsen, Senior Attorney,
Office of General Counsel, (703) 883­
4020, Farm Credit Administration, 1501
Farm Credit Drive, McLean, VA 22102—
5090.
NCUA: Kimberly Iverson, Program
Officer, (703) 518-6375, or Jeffrey S.
Mooney, Staff Attorney, (703) 518-6563,
1775 Duke Street, Alexandria, VA
22314-3428.
SUPPLEMENTARY INFORMATION:

I. Background
F ed eral F loo d Insurance Legislation
Congress enacted the National Flood
Insurance Act of 1968 (the 68 Act) (Pub.

Amendments to the 68 Act and the 73
Act are set forth in the National Flood
Insurance Reform Act of 1994 (the
Reform Act), Title V of the Riegle
Community Development and
Regulatory Improvement Act of 1994
(Pub. L. 1 0 3 -3 2 5 ,1 0 8 Stat. 2160).
Several of these amendments require
implementing regulations by the Federal
entities for lending regulation.1
As amended by the Reform Act, the
73 Act directs the Federal entities for
lending regulation (a term defined by
section 3(a)(5) of the 73 Act (42 U.S.C.
4003(a)(5)) to include the OCC, Board,
FDIC, OTS, FCA, and the NCUA) to
issue regulations which direct regulated
lending institutions (a term defined by
section 3(a)(10) of the 73 Act (42 U.S.C.
4003(a)(10)) to include any bank,
savings and loan association, Farm
Credit System institution, and credit
union) which are subject to their
supervision to ensure that any loan
secured by improved real estate or a
mobile home (real property) located or
to be located in a special flood hazard
area is covered for the term of the loan
by flood insurance. Section 102(b) of the
73 Act (42 U.S.C. 4012a(b)).
Standard F loo d H azard D eterm ination
Form
Section 528 of the Reform Act amends
the 68 Act by adding a new section 1365
(42 U.S.C. 4104b). Section 1365(a) of the
68 Act requires the Director of the
FEMA, in consultation with the Federal
entities for lending regulation (among
others), to develop a Standard Flood
Hazard Determination Form for use in
determining whether real property
offered as collateral on a loan is located
in a special flood hazard area. Section
1365(a) states that the standard form
shall be established by FEMA
regulations issued not later than 270
days after the date of enactment of the
Reform Act. The Reform Act was signed
1 O ne change effected by the Reform Act is to
m ake Farm C redit System institu tio n s subject for
the first tim e to the req u irem en ts of th e 68 Act and
the 73 Act. See sections 1370(a)(13) of the 68 Act
(42 U.S.C. 4121(a)); an d 3(a)(10) of the 73 A ct (42
U.S.C. 4003(a)(10)). As a result, the FCA, the
Federal entity responsible for the superv isio n of
su ch institu tio n s, m ust prom ulgate regulations to
im plem ent the requirem ents of these statutes. T his
final ru le is p art of th a t project.

Federal Register / Vol. 60, No. 129 / Thursday, July 6, 1995 / Rules and Regulations
into law on September 23,1994. The
standard form must therefore be
established by the FEMA by no later
than June 20,1995.
A proposed rulemaking to establish
the standard form was approved for
release for notice and comment by the
FEMA on March 30, 1995. See 60 FR
17758 (April 7,1995). The public
comment period on the proposed rule
ended on May 8, 1995. The proposed
rule was adopted by the FEMA in final
form on June 20,1995, and is published
elsewhere in today’s Federal Register.
Section 1365(c) of the 68 Act states
that the Federal entities for lending
regulation must promulgate regulations
which require the use of the standard
form by regulated lending institutions
when determining whether real
property offered as collateral for a loan
is located in a special flood hazard area.
Section 1365(c) further states that a
lender or other person may comply with
this requirement by using the standard
form in a printed, computerized, or
electronic manner.
Section 1365(f) of the 68 Act states
that the regulations requiring use of the
standard form must be issued together
with the FEMA regulation which
establishes the standard form and that
the form will have an effective date of
180 days after the date of issuance of the
regulations. To satisfy this requirement,
this final rule requiring the use of the
standard form is published in the same
issue of the Federal Register as the final
rule of the FEMA which establishes the
standard form.
II. The Final Rule
Notice and comment on the final rule
requiring the use of the standard form
are unnecessary since the rulemaking
merely implements the statutory
requirement that the standard form be
used by regulated lending institutions.
The rulemaking is therefore technical in
nature. The required use of the standard
form is not in need of definition or
interpretation. Moreover, the public has
already had the opportunity to comment
on the substantive content and format of
the standard form, thus fulfilling the
public interest in notice and comment.
The final format and content of the
standard form have been determined
through the related FEMA rulemaking
described above.
The Federal entities for lending
regulation therefore find good cause, in
accordance with section 553(b)(B) of the
Administrative Procedure Act (5 U.S.C.
553(b)(B)), to omit notice and comment
on the rules as unnecessary and to
instead issue final rules which impose
the requirement that the standard form

be used by regulated lending
institutions.

35287

VI. Executive Order 12866

III. Effective Date
The final rule will become effective
January 2 ,1 9 9 6 .

The OCC and the OTS have
determined that this rule is not a
significant regulatory action as defined
in Executive Order 12866.

IV. Paperwork Reduction Act

VII. Unfunded Mandates Act of 1995

As noted previously, it is the
responsibility of the FEMA to establish
the standard form by regulation. The
FEMA has determined that the standard
form constitutes a “collection of
information” as that’term is defined in
section 3502(4) of the Paperwork
Reduction Act (the PRA) (44 U.S.C.
3501 et seq.). See 60 FR 17760. The
FEMA has submitted information on the
standard form to the Office of
Management and Budget for review as
required by section 3507 of the PRA (44
U.S.C. 3507). The Director of OMB has
approved the proposed information
collection request of the FEMA, as
required by section 3507.

The OCC and the OTS have
determined that the requirements of this
final rule will not result in expenditures
by State, local, and tribal governments,
or by the private sector, of more than
$100 million in any one year.
Accordingly, a budgetary impact
statement is not required under section
202 of the Unfunded Mandates Act of
1995.

V. Regulatory Burden
Section 302 of the Riegle Community
Development and Regulatory
Improvement Act (12 U.S.C. 4802)
provides that each Federal banking
agency must consider the administrative
burdens and benefits of any new
regulations that impose additional
requirements on insured depository
institutions. Section 302 also requires
that any regulations which impose
additional reporting, disclosure, or other
requirements on insured depository
institutions shall take effect on the first
day of a calendar quarter which begins
on or after the date on which the
regulations are published in final form.
This requirement need not be observed,
however, if a Federal statute requires
thet the regulation take effect on a
different date from the one mandated by
section 302. See section 302(b)(1)(C) (12
U.S.C. 4802(b)(1)(C)).
Requiring the use of the standard form
will be an additional requirement for
depository institutions. Section 528 of
the Reform Act provides, however, that
the standard form be used and the
agencies must implement this statutory
requirement.
Moreover, as noted previously, the
new section 1365(f) of the 68 Act, as
added by section 528 of the Reform Act,
provides that the regulations requiring
the use of the standard form shall be
effective upon the expiration of the 180day period beginning on the date of the
regulations’ issuance. Since the 68 Act
requires that the regulations requiring
the use of the standard form take effect
on a different date from the one
mandated by section 302, the exception
in section 302 is operative.

VIII. NCUA Executive Order 12612
Statement
This rule, like the current part 760 it
is replacing, will apply to all Federally
insured credit unions. The NCUA
Board, pursuant to Executive Order
12612, has determined, however, that
this rule will not have a substantial
direct effect on the states, on the
relationship between the national
government and the states, or on the
distribution of power and
responsibilities among various levels of
government. Further, this rule will not
preempt provisions of state law or
regulations.
List of Subjects
12 CFR Part 22
Flood insurance, Mortgages, National
banks, Reporting and recordkeeping
requirements.
12 CFR Part 208
Accounting, Agriculture, Banks,
banking, Confidential business
information, Crime, Currency, Federal
Reserve System, Flood insurance,
Mortgages, Reporting and recordkeeping
requirements.
12 CFR Part 339
Flood insurance, Reporting and
recordkeeping requirements.
12 CFR Part 563
Accounting, Advertising, Crime,
Currency, Flood insurance, Investments,
Reporting and recordkeeping
requirements, Savings associations,
Securities, Surety bonds.
12 CFR Part 614
Agriculture, Banks, banking, Flood
insurance, Foreign trade, Reporting and
recordkeeping requirements, Rural
areas.

35288

Federal Register / Vol. 60, No. 129 / Thursday, July 6, 1995 / Rules and Regulations

12 CFR Part 760
Credit unions, Mortgages, Flood
insurance, Reporting and recordkeeping
requirements.
Office of the Comptroller of the
Currency
12 CFR CHAPTER I

Authority and Issuance
For the reasons set forth in the joint
preamble, part 22 of chapter I of title 12
of the Code of Federal Regulations is
amended as set forth below:
PART 22—LOANS IN AREAS HAVING
SPECIAL FLOOD HAZARDS
1. The authority citation for part 22 is
revised to read as follows:
Authority: 42 U.S.C. 4012a, 41 0 4 a , 4104b ,
4 1 0 6 , and 4 1 2 8 .

2. A new § 22.6 is added to read as
follow's:
§ 22.6 Required use of Standard Flood
Hazard Determination Form.

A bank shall use the standard flood
hazard determination form developed
by the Director of the Federal
Emergency Management Agency (the
FEMA) (as set forth in appendix A of 44
CFR part 65) when determining whether
improved real estate or a mobile home
offered as collateral security for a loan
is located in an area identified by the
Director of the FEMA as having special
flood hazards and in which flood
insurance has been made available
under the National Flood Insurance Act
of 1968 (12 U.S.C. 4001 et seq.). The
standard flood hazard determination
form may be used in a printed,
computerized, or electronic manner.
Dated: June 20, 1995.
Eugene A. Ludwig,

Comptroller o f the Currency.

FEDERAL RESERVE SYSTEM
12 CFR CHAPTER II

For the reasons set forth in the joint
preamble, the Board amends 12 CFR
Part 208 as set forth below:

2. Section 208.8 is amended by
adding a new paragraph (e)(4) to read as
follows:
§ 208.8
*

*

Banking practices.
*

*

*

(e) * * *
(4) R equ ired use o f Standard F loo d
H azard D eterm ination Form. A state
member bank shall use the standard
flood hazard determination form
developed by the Director of the Federal
Emergency Management Agency (the
FEMA) (as set forth in Appendix A of
44 CFR Part 65) when determining
whether improved real estate or a
mobile home offered as collateral
security for a loan is located in an area
identified by the Director of the FEMA
as having special flood hazards and in
which flood insurance has been made
available under the National Flood
Insurance Act of 1968. The standard
flood hazard determination form may be
used in a printed, computerized, or
electronic manner.
*

*

*

*

*

By order o f the Board of Governors o f the
Federal Reserve System , June 20, 1995.
W illiam W. W iles,

Secretary o f the Board.

Federal Deposit Insurance Corporation
12 CFR CHAPTER III

Authority and Issuance
For the reasons set forth in the join t’
preamble, the Board of Directors of the
FDIC amends Part 339 of Chapter III of
title 12 of the Code of Federal
Regulations as follows:
PART 339—LOANS IN AREAS HAVING
SPECIAL FLOOD HAZARDS
1. The authority citation for part 339
is revised to read as follows:
A uthority: 42 U.S.C. 4012a, 4104a, 4104b,
4 1 0 6 , and 4128.

2. Section 339.7 is added to read as
follows:
§ 339.7 Required use of Standard Flood
Hazard Determination Form.

A bank shall use the standard flood
hazard determination form developed
PART 208— MEMBERSHIP OF STATE
by the Director of the Federal
BANKING INSTITUTIONS IN THE
Emergency Management Agency (the
FEDERAL RESERVE SYSTEM
FEMA) (as set forth in Appendix A of
(REGULATION H)
44 CFR Part 65) when determining
1. The authority citation for part 208 whether improved real estate or a
mobile home offered as collateral
is revised to read as follows:
security for a loan (as that term is
Authority: 12 U.S.C. 36, 248(a), 248(c),
defined in § 339.2(b)) is located in an
321—
338a, 3 7 ld , 46 1 , 4 8 1 -4 8 6 , 601, 611,
area identified by the Director of the
1 8 1 4 , 1 8 2 3 (j), 1828(o), 18310, 1 8 3 1 p -l, 3105,
FEMA as having special flood hazards
3 3 1 0 , 3 3 3 1 -3 3 5 1 , and 3 9 0 6 -3 9 0 9 ; 15 U.S.C.
and in which flood insurance has been
78b, 781(b), 781(g), 781(j), 78o -4 (c)(5 ), 78q,
made available under the National
78q— and 78w ; 31 U.S.C. 5 318; 42 U.S.C.
1,
4 0 1 2 a , 410 4 a , 4104b , 4106, and 4128.
Flood Insurance Act of 1968. The

standard flood hazard determination
form may be used in a printed,
computerized, or electronic manner.
By order o f the Board of Directors.
Dated at W ashington, D.C., this 19th day of
June, 1995.
Federal Deposit Insurance Corporation.
Jerry L. Langley,

Executive Secretary.

Office of Thrift Supervision
12 CFR CHAPTER V

Authority and Issuance
Accordingly, for the reasons set forth
in the joint preamble, the Office of
Thrift Supervision hereby amends
chapter V, title 12 of the Code of Federal
Regulations, as set forth below:
SUBCHAPTER D— REGULATIONS
APPLICABLE TO ALL SAVINGS
ASSOCIATIONS

PART 563—OPERATIONS
1. The authority citation for part 563
is revised to read as follows:
Authority: 12 U .S.C. 375b, 1462, 1462a,
1463, 1464, 1467a, 1468, 1817, 1828, 3806;
42 U.S.C. 4012a, 4104a, 4104b , 4 1 0 6 , 4128.

2. Section 563.48 is amended by
adding a new paragraph (f) to read as
follows:
§ 563.48

Flood disaster protection.

*

*

*

*

*

(f) R equ ired use o f Standard F loo d
H azard D eterm ination Form. A savings
association shall use the standard flood
hazard determination form developed
by the Director of the Federal
Emergency Management Agency (the
FEMA) (as set forth in Appendix A of
44 CFR Part 65) when determining
whether improved real estate or a
mobile home offered as collateral
security for a loan is located in an area
identified by the Director of the FEMA
as having special flood hazards and in
which flood insurance has been made
available under the National Flood
Insurance Act of 1968. The standard
flood hazard determination form may be
used in a printed, computerized, or
electronic manner.
Dated: June 16, 1995.
By the O ffice o f Thrift Supervision.
John F. Downey,

Director, Supervision.

Farm Credit Administration
12 CFR Chapter VI

Authority and Issuance
For the reasons stated in the joint
preamble, part 614 of chapter VI, title 12
of the Code of Federal Regulations is
amended as follows:

Federal Register / Vol. 60, No. 129 / Thursday, July 6, 1995 / Rules and Regulations
PART 614— LOAN POLICIES AND
OPERATIONS
1. The authority citation for part 614
is revised to read as follows:
Authority: 42 U .S.C . 4012a, 4104a, 4104b ,
4 1 0 6 , and 4 1 2 8 ; 1 .3 ,1 .5 ,1 .6 ,1 .7 ,1 .9 , 1.10,
2.0, 2.2, 2 .3 , 2.4, 2 .1 0, 2.12, 2.13, 2.15, 3.0,
3.1, 3.3, 3 .7 , 3.8, 3 .1 0 , 3.20, 3.28, 4.1 2 , 4.12A ,
4.13, 4 .1 3 B , 4 .1 4 , 4 .14A , 4.14C , 4.14D , 4.14E ,
4 .18 , 4 .1 9 , 4 .3 6 , 4 .3 7 , 5.9, 5,10, 5.17, 7.0, 7.2,
7.6, 7.7, 7.8, 7.12, 7 .1 3 , 8.0, 8.5 o f the Farm
Credit A ct (12 U .S.C . 2011, 2013, 2014, 2015,
2017, 2018, 2 0 7 1 , 2 0 7 3 , 2074, 2075, 2091,
2093, 2094, 2 0 9 6 , 2 1 21, 2122, 2124, 2128,
2129, 2131, 2 1 4 1 , 2 1 49, 2183, 2184, 2199,
2201, 2202, 2202a, 2202c, 2202d , 2202e,
2206, 2207, 2219a, 2219b, 2243, 2244, 2252,
2279a, 2279a-2, 2279b, 2 2 7 9 b -l, 2279b-2,
2279f, 2 2 7 9 f-l, 2279aa, 2279aa-5); sec. 413 of
Pub. L. 1 0 0 - 2 3 3 ,1 0 1 Stat. 1568, 1639.

2. Part 614 is amended by adding a
new subpart S to read as follows:
Subpart S—Flood Insurance Requirements
Sec.
6 1 4 .4 9 4 0 Required use o f Standard Flood
Hazard D eterm ination Form

hazard determination form developed
by the Director of the Federal
Emergency Management Agency (the
FEMA) (as set forth in Appendix A of
44 CFR part 65) when determining
whether improved real estate or a
mobile home offered as collateral
security for a loan is located in an area
identified by the Director of the FEMA
as having special flood hazards and in
which flood insurance has been made
available under the National Flood
Insurance Act of 1968. The standard
flood hazard determination form may be
used in a printed, computerized, or
electronic manner.
Dated: June 16, 1995.
Floyd Fithian,

Secretary, Farm Credit Administration Board.
NATIONAL CREDIT UNION
ADMINISTRATION
12 CFR Chapter VII

Authority and Issuance

35289

Authority: 12 U.S.C. 1 7 5 7 ,1 7 8 9 ; 42 U.S.C.
4012a, 4104a, 4104b , 4 1 0 6 , and 4128.

2. Section 760.12 is added to read as
follows:
§ 760.12 Required use of Standard Flood
Hazard Determination Form

A credit union shall use the standard
flood hazard determination form
developed by the Director of the Federal
Emergency Management Agency (the
FEMA) (as set forth in Appendix A of
44 CFR Part 65) when determining
whether improved real estate or a
mobile home offered as collateral
security for a loan is located in an area
identified by the Director of the FEMA
as having special flood hazards and in
which flood insurance has been made
available under the National Flood
Insurance Act of 1968. The standard
flood hazard determination form may be
used in a printed, computerized, or
electronic manner.

For the reasons set forth in the joint
preamble, the NCUA amends 12 CFR
Part 760 as follows:

By the National Credit Union
A dm inistration Board on June 26, 1995.

§614.4940 Required use of Standard
Flood Hazard Determination Form.

PART 760—FLOOD INSURANCE

Secretary o f the Board.

An institution of the Farm Credit
System shall use the standard flood

1. The authority citation for part 760
is revised to read as follows:

BILLING CODES 4810-33-P ; 8210-01-P; 6714-01-P;
6720-01-P; 6705-01-P ; 7535-01-P

Subpart S— Flood Insurance
Requirements

Becky Baker,
[FR Doc. 9 5 -1 6 1 9 9 Filed 7 - 5 - 9 5 ; 8:45 am]


Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102