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Federal Reserve Bank
OF DALLAS
ROBERT

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

PRESID EN T
AND C H IEF E X E C U T IV E O F F IC E R

DALLAS, TEXAS

December 14, 1995

75265-5906

Nolice 95-120

TO:

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

SUBJECT
Interagency Notice and Request
for Public Comment on Proposed Agency
Information Collection Activities
DETAILS
The Comptroller of the Currency, the Treasury Department, the Board of
Governors of the Federal Reserve System, and the Federal Deposit Insurance Corpora­
tion are requesting public comment on proposed revisions to currently approved
collections of information.
Comments are invited on (a) whether the proposed revisions are necessary
for the proper performance of the agencies’ functions; (b) the accuracy of the agencies’
estimate of the burden of the information collections as they are proposed to be revised;
(c) ways to enhance the quality, utility, and clarity of the information to be collected; and
(d) ways to minimize the burden of information collection on respondents.
The Board must receive comments by January 16, 1996. Please address com­
ments to William W. Wiles, Secretary, Board of Governors of the Federal'Reserve
System, 20th Street and Constitution Avenue, N.W., Washington, D.C. 20551. All
comments should refer to Office of Management and Budget (OM B) control number(s).

ATTACHMENT
A copy of the Board’s notice as it appears on pages 57618-21, Vol. 60, No.
221, of the Federal Register dated November 16, 1995, is attached.

For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal
Reserve Bank of Dallas: Dallas Office (800) 333 -4460; El 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)

- 2 -

MORE INFORMATION
For more information, please contact Dorsey Davis at (214) 922-6051. 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 95-120

Request for
Public Comment
on Proposed Agency Information
Collection Activities

57618

Federal Register / Vol. 60, No. 221 / Thursday, November 16, 1995 / Notices

received will be analyzed to determine
the extent to which the proposed
revisions should be modified prior to
the agencies’ submission of them to
OMB for review and approval.
Comments are invited on: (a) Whether
the proposed revisions to the following
collections of information are necessary
for the proper performance of the
agencies’ functions, including whether
the information has practical utility; (b)
the accuracy of the agencies’ estimate of
the burden of the information
collections as they are proposed to be
revised, including the validity of the
methodology and assumptions used; (c)
ways to enhance the quality, utility, and
clarity of the information to be
collected; and (d) ways to minimize the
burden of information collection on
respondents, including through the use
of automated collection techniques or
other forms of information technology.
DATES: Comments must be submitted on
or before January 16,1996.
ADDRESSES: Interested parties are
invited to submit written comments to
any or all of the agencies. All comments,
which should refer to the OMB control
DEPARTM ENT OF TH E TREASURY
number(s), will be shared among the
agencies.
Office of the Comptroller of the
OCC: Written comments should be
Currency
submitted to the Communications
FEDERAL RESERVE SYSTEM
Division, Ninth Floor, Office of the
Comptroller of the Currency, 250 E
FEDERAL DEPOSIT INSURANCE
Street, S.W., Washington, D.C. 20219;
CORPORATION
Attention: Paperwork Docket No. 15 5 7 0081 [FAX number (202) 874-5274;
Proposed Agency Information
Internet address:
Collection Activities; Comment
reg.comments@occ.treas.gov].
Comments w ill be available for
AGENCIES: Office of the Comptroller of
inspection and photocopying at that
the Currency (OCC), Treasury; Board of
address.
Governors of the Federal Reserve
Board: Written comments should be
System (Board); and Federal Deposit
addressed to Mr. William W. Wiles,
Insurance Corporation (FDIC).
ACTION: Notice and request for comment. Secretary, Board of Governors of the
Federal Reserve System, 20th and C
BACKGROUND: In accordance with the
Streets, N.W., Washington, D.C. 20551,
requirements of the Paperwork
or delivered to the Board’s mail room
Reduction Act of 1995 (44 U.S.C.
between 8:45 a.m. and 5:15 p.m., and to
chapter 35), the OCC, the Board, and the the security control room outside of
FDIC (the “agencies”) may not conduct
those hours. Both the mail room and the
or sponsor, and the respondent is not
security control room are accessible
required to respond to, an information
from the courtyard entrance on 20th
collection that has been extended,
Street between Constitution Avenue and
revised, or implemented on or after
C Street, N.W. Comments received may
October 1,1995, unless it displays a
be inspected in room M -P -500 between
currently valid Office of Management
9:00 a.m. and 5:00 p.m., except as
and Budget (OMB) control number.
provided in section 261.8 of the Board’s
Proposed revisions to the following •
Rules Regarding Availability of
currently approved collections of
Information, 12 CFR 261.8(a).
FDIC: Written comments should be
information have received approval
sent to Jerry L. Langley, Executive
from the Federal Financial Institutions
Secretary, Attention: Room F-402,
Examination Council (FFIEC), of which
Federal Deposit Insurance Corporation,
the agencies are members, and are
550 17th Street, N.W., Washington, D.C.
hereby published for comment. At the
20429. Comments may be handend of the comment period, the
delivered to Room F-402, 1776 F Street,
comments and recommendations

N.W., Washington, D.C. 20429, on
business days between 8:30 a.m. and
5:00 p.m. [FAX number (202) 898-3838;
Internet address: comments@fdic.gov].
Comments will be available for
inspection and photocopying in Room
7118, 550 17th Street, N.W.,
Washington, D.C. 20429, between 9:00
a.m. and 4:30 p.m. on business days.
A copy of the comments may also be
submitted to the OMB desk officer for
the agencies: Milo Sunderhauf, Office of
Information and Regulatory Affairs,
Office of Management and Budget, New
Executive Office Building, Room 3208,
Washington, D.C. 20503.
FOR FURTHER INFORMATION CO N TAC T: A
copy of the proposed revisions to the
collections of information may be
requested from any of the agency
clearance officers whose names appear
below.
OCC: Jessie Gates, OCC Clearance
Officer, (202) 874-5090, Office of the
Comptroller of the Currency, 250 E
Street, SW., Washington, DC 20219.
Board: Mary M. McLaughlin, Board
Clearance Officer, (202) 452-3829,
Division of Research and Statistics,
Board of Governors of the Federal
Reserve System, 20th and C Streets,
NW., Washington^ DC 20551. For the
hearing impaired only,
Telecommunications Device for the Deaf
(TDD), Dorothea Thompson, (202) 4 5 2 3544, Board of Governors of the Federal
Reserve System, 20th and C Streets,
NW., Washington, DC 20551.
FDIC: Steven F, Hanft, FDIC Clearance
Officer, (202) 898-3907, Office of the
Executive Secretary, Federal Deposit
Insurance Corporation, 550 17th Street
NW., Washington, DC 20429.
SUPPLEMENTARY INFORMATION: Proposal
to revise the following currently
approved collections of information:
Title: Consolidated Reports of Condition
and Income.
Form N umber. FFIEC 031, 032, 033,
034.
For OCC:
OMB N um ber: 1557-0081.
F requ en cy o f R espon se: Quarterly.
A ffected Public: National Banks.
E stim ated N um ber o f R espondents:
2,900 national banks.
E stim ated Time p e r R espon se: 38.02
burden hours.
E stim ated Total A nnual Burden:
441,024 burden hours.
For Board:
OMB Num ber: 7100-0036.
F requ en cy o f R espon se: Quarterly.
A ffected Public: State Member Banks.
E stim ated N um ber o f R espondents:
1,002 state member banks.
E stim ated Time p er R espon se: 44.01
burden hours.

Federal Register / Vol. 60, No. 221 / Thursday, November 16, 1995 / Notices
E stim ated Total A nnual B urden:
176,392 burden hours.
For FDIC:

OMB N um ber: 3064-0052.
F requ en cy o f R espon se: Quarterly.
A ffected Public: Insured State
Nonmember Commercial and Savings
Banks.
E stim ated N um ber o f R espondents:
7,011 insured state nonmember
commercial and savings banks.
E stim ated Tim e p e r R espon se: 27.87
burden hours.
E stim ated Total A nnual Burden:
781,473 burden hours.
The estimated time per response
varies by agency because of differences
in the composition of the banks under
each agency’s supervision (e.g., size
distribution of banks, types of activities
in which they are engaged, and number
of banks with foreign offices).
General Description of Report: This
information collection is mandatory: 12
U.S.C. 161 (for national banks), 12
U.S.C. 324 (for state member banks), and
12 U.S.C. 1817 (for insured state
nonmember commercial and savings
banks). Except for select sensitive items,
this information collection is not given
confidential treatment. Small businesses
(i.e., small banks) are affected.
Abstract: Consolidated Reports of
Condition and Income are filed
quarterly with the agencies for their use
in monitoring the condition and
performance of reporting banks and the
industry as a whole. The reports are also
used by the FDIC to calculate banks’
deposit insurance assessments.
Current Actions: The new items that
would be added to the Call Report are
necessary to enhance the supervisory
process for monitoring regulatory
capital ratios, liquidity ratios, sales of
assets, off-balance sheet derivative
contracts, and managed credit card
receivables. A number of items would
be consolidated or deleted.
Type of Review: Revisitation.

The proposed revisions to the
Consolidated Reports of Condition and
Income (Call Report) that are the subject
of this notice have been approved by the
FFIEC for implementation as of the
March 31, 1996, report date. The
proposed changes affect several existing
Call Report schedules. Unless otherwise
indicated, the Call Report changes apply
to all four sets of report forms (FFIEC
031, 032, 033, and 034). Nonetheless, as
is customary for Call Report changes,
banks are advised that, for the March 31,
1996, report date, reasonable estimates
may be provided for any new or revised
item for which the requested
information is not readily available.
On August 2,1995, the agencies
jointly published for a 60-day public

comment period a proposed
Supervisory Policy Statement
Concerning A Supervisory Framework
for Measuring and Assessing Banks’
Interest Rate Risk Exposure (60 FR
39495, August 2,1995). That proposal
included proposed Call Report
schedules and draft instructions that
would be implemented beginning with
the March 31,1996, report date, except
by small banks that meet certain
exemption criteria. Because comments
were invited regarding the proposed
Call Report interest rate risk reporting
requirements and their paperwork
implications, the proposed interest rate
risk schedules are not covered by this
notice.
The proposed revisions are
summarized as follows:
D eletions an d R eductions in Detail
The level of detail would be reduced
in two areas for banks that file the
FFIEC 031, 032, and 033 report forms
(i.e., banks with $100 million or more in
assets or with foreign offices). (Smaller
banks that file the FFIEC 034 report
forms do not provide these detailed
data.) First, the breakdown of
nontransaction accounts by type of
depositor in the deposit schedule
(Schedule RC-E) would contain fewer
categories. The separate items for
nontransaction accounts of ,lU.S.
branches and agencies of foreign banks”
and “Other commercial banks in the
U .S.” would be combined into a single
item. Similarly, the separate items for
nontransaction accounts of “Foreign
branches of other U.S. banks” and
“Other banks in foreign countries”
would be combined.
Second, a single income statement
item for trading revenue would replace
the separate items for foreign exchange
trading gains (losses) and other trading
gains (losses). The memorandum items
providing a four-way breakdown of
trading revenue by risk exposure
(interest rate, foreign exchange, equity,
and commodity and other), which were
added in March 1995, would continue
to be collected. The sum of the
memorandum items would equal the
new single income statement item.
Call Report items in the four
following areas would be deleted:
(1) Memorandum items for total
deposits, total demand deposits, and
total time and savings deposits (in
domestic offices) that have been
collected in the deposit schedule for
deposit insurance assessment purposes
(Schedule RC-E, Memorandum items 4,
4.a, and 4.b).
(2) A deposit schedule memorandum
item for total deposits (in domestic
offices) denominated in foreign

57619

currencies (Schedule RC-E,
Memorandum item l.d).
(3) An income statement
memorandum item for foreign tax
credits (Schedule RI, Memorandum item
3). (This item has been completed only
by banks that file the FFIEC 031, 032,
and 033 report forms, i.e., banks with
$100 million or more in assets or with
foreign offices.)
(4) An income statement
memorandum item for the taxable
equivalent adjustment to pretax income
(Schedule RI, Memorandum item 4).
(This item has been applicable only to
banks with foreign offices and $1 billion
or more in assets that file the FFIEC 031
report forms.)
N ew Item s
Call Report items in the following
areas would be added:
(1) Capital and Asset Amounts Used in
Calculating Regulatory Capital Ratios
At present, the Call Report includes a
variety of items in several schedules
which the agencies use to calculate the
leverage and risk-based capital ratios for
individual banks. However, a
comparison of the agencies’ regulatory
capital standards to the information
currently reported in the Call Report
reveals that the Call Report does not
collect all of the information that the
agencies need to calculate each bank’s
Tier 1, Tier 2, and total capital in strict
accordance with the definitions in the
agencies’ capital standards.
Nevertheless, according to informal
input received from bankers, banks
routinely calculate their regulatory
capital ratios at least quarterly for
internal management purposes.
. Thus, rather than introducing new
Call Report items for specific elements
of the regulatory capital ratio
calculations that are not currently
reported so that further refinements can
be made to the banking agencies’
formulas for calculating capital ratios,
banks would begin to report the end
results of their own internal regulatory
capital analyses. Six new items would
cover Tier 1 capital, Tier 2 capital, total
risk-based capital, total risk-weighted
assets (the denominator of the riskbased capital ratio, i.e., net of
deductions), the excess amount of the
allowance for loan and lease losses (if
any), and “average total assets” (the
denominator of the leverage capital
ratio, i.e., net of deductions).
Banks would not be required to go to
greater lengths to identify and
determine the amounts to be reported in
the six new capital-related items than
they are currently doing when they
calculate their capital ratios for internal

57620

Federal Register / Vol. 60, No. 221 / Thursday, November 16, 1995 / Notices

management purposes. Beginning to
collect the six regulatory capital items
in 1996 may provide a basis for
eliminating at a later date some items
now reported in the Call Report solely
for risk-based capital calculation
purposes. To assist banks in accurately
reporting these capital items, an
optional regulatory capital worksheet
would be developed, provided regularly
to banks, and updated as necessary.
In addition, the agencies understand
that bankers and other interested parties
have found it difficult and timeconsuming to calculate the regulatory
capital ratios for other banks using
existing Call Report data. Consequently,
the addition of these six items should
simplify bankers’ calculations of other
banks’ capital ratios as well as
calculations made by other public users
of bank Call Reports.
(2) Short-Term Liabilities and Assets
The staffs of the agencies plan to
revise the liquidity ratios in the Uniform
Bank Performance Report (UBPR) to
focus on short-term and total non-core
liabilities (instead of so-called “volatile
liabilities”) as well as short-term assets
and liabilities. As a result, changes
would be made to the reporting of
maturity and repricing data for certain
categories of liabilities and assets.
Accordingly, the following changes
would be implemented:
(a) Other borrowed money—On the
Call Report balance sheet, the two-way
breakdown of “Other borrowed money”
based on the original maturity of the
borrowing would be changed to a twoway breakdown based on remaining
maturity (Schedule RC, item 16).
(b) Time deposits—A number of
changes would be made in the reporting
of these data.
First, the maturity and repricing data
for open-account time deposits of
$100,000 or more, which are currently
included with the maturity and
repricing data for time deposits of less
than $100,000 (in Schedule RC-E,
Memorandum item 5), would be
switched so that these data are included
with the maturity and repricing data for
time certificates of deposit of $100,000
or more (in Schedule RC-E,
Memorandum item 6). (Schedule RC-E,
Memorandum items 5 and 6 are not
applicable to FDIC-supervised savings
banks that must complete the Call
Report’s supplemental Schedule RC-J.)
Second, the maturity and repricing
data for fixed rate and floating rate time
deposits of less than $100,000, which
are currently reported on a combined
basis (in Schedule RC-E, Memorandum
item 5), would be split so that the
remaining maturity of fixed rate time

deposits of less than $100,000 would be
reported separately from the repricing
frequency of floating rate time deposits
of less than $100,000. A new time
interval would also be added for these
time deposits. Fixed rate time deposits
less than $100,000 would contain a
maturity category of over 12 months and
floating rate time deposits of less than
$100,000 would include a repricing
interval of less frequently than annually.
(Schedule RC-E, Memorandum-item 5 is
not applicable to FDIC-supervised
savings banks that must complete the
Call Report’s supplemental Schedule
RC-J.)
Third, two new Memorandum items
would be collected in the deposit
schedule for floating rate time deposits
of $100,000 or more with a remaining
maturity of one year or less and for
floating rate time deposits of less than
$100,000 with a remaining maturity of
one year or less. These items would be
collected from commercial banks. For
FDIC-supervised savings banks, two
new Memorandum items would be
collected in supplemental Schedule R C J for time deposits of $100,000 or more
with a remaining maturity of one year
or less and for time deposits of less than
$100,000 with a remaining maturity of
one year or less.
(c) Brokered deposits and deposits in
foreign offices— New Memorandum
items would be created for (i) Brokered
deposits issued in denominations of less
than $100,000 with a remaining
maturity of one year or less, (ii)
brokered deposits issued in
denominations of $100,000 or more
with a remaining maturity of one year
or less, and (ii) for banks that file the
FFIEC 031 version of the Call Report,
time deposits in foreign offices with a
remaining maturity of one year or less.
(d) Loans—For commercial banks, a
single Memorandum item for floating
rate loans with a remaining maturity of
one year or less would be added to the
loan schedule (Schedule RC-C). For
FDIC-supervised savings banks, a single
Memorandum item for loans with a
remaining maturity of one year or less
would be added to supplemental
Schedule RC-J.
(e) Debt securities—For FDICsupervised savings banks, a single
Memorandum item for debt securities
with a remaining maturity of one year
or less would be added to supplemental
Schedule RC-J. Savings banks would
begin to complete this new item instead
of an existing Memorandum item in the
securities schedule on floating rate debt
securities with a remaining maturity of
one year or less (Schedule RC-B,
Memorandum item 6). Commercial
banks would continue to complete

existing Memorandum item 6 in
Schedule RC-B. In the new
Memorandum item for savings banks,
held-to-maturity securities would be
reported at amortized cost and
available-for-sale securities would be
reported at fair value, consistent with
the method of reporting these two
categories of securities in the Schedule
RC-B Memorandum item.
(3) Small Business Obligations Sold
With Recourse
The agencies have issued rules to
implement section 208 of the Riegle
Community Development and
Regulatory Improvement Act of 1994.
(For OCC: 60 FR 47455, September 13,
1995. For Board: 60 FR 45612, August
3 1 ,1995. For FDIC: 60 FR 45606,
August 31,1995.) Section 208 provides
that a qualifying insured depository
institution that sells small business
loans and leases on personal property
with recourse is required to include
only the amount of retained recourse in
its risk-weighted assets when
calculating its risk-based capital ratios,
provided certain conditions are met.
Section 208 also states that qualifying
institutions should report these
transactions in accordance with
generally accepted accounting
principles (GAAP) in the Call Report.
To be a qualifying institution, a bank
must be well capitalized based on
capital ratio calculations made without
regard to the preferential capital
treatment that Section 208 authorizes
for these transactions. In addition, in
general, for purposes of determining a
bank’s capital category under the
prompt corrective action rules, the
capital ratio calculations must be made
without regard to the preferential
Section 208 treatment.
The Call Report instructions for “sales
of assets” will be revised to incorporate
the GAAP reporting treatment for sales
of small business obligations with
recourse by qualifying institutions.
Additionally, to enable the agencies to
determine the capital ratios of
institutions that have engaged in
transactions covered by Section 208 on
the “without regard to” basis mentioned
above, Call Report items would be
added for (i) the outstanding amount of
small business obligations sold with
recourse and (ii) the amount of retained
recourse on such obligations.
(4) Credit Losses on Off-Balance Sheet
Derivative Contracts
Banks that file the FFIEC 031 and 032
report forms (i.e., banks with $300
million or more in assets or with foreign
offices) began to report information
about past due derivatives in the Call

Federal Register / Vol. 60, No. 221 / Thursday, November 16, 1995 / Notices
Report in 1994. However, some banks
have incurred credit losses on their
derivative contracts, but the agencies
cannot track these losses for individual
institutions or for the industry as a
whole. Therefore, a new item would be
added in which those banks that are
required to report past due derivative
data would also report their year-to-date
credit losses on derivatives.
On a related matter, the Call Report
instructions for reporting amounts
associated with derivatives that are past
due 90 days or more would be revised
so that banks would begin to also
include information about derivatives
that, while not technically past due, are
with counterparties that are not
expected to pay the full amounts owed
to the institution under the derivative
contracts.

than the amount of capital that would
have to be held against the outstanding
amount of the transferred assets.
In the Call Report materials
distributed to banks for the first three
quarters of this year, interim guidance
has been provided on how low level
recourse transactions should be reported
in the risk-based capital schedule
(Schedule RC-R). Under this interim
guidance, a bank’s maximum
contractual exposure in a low level
recourse transaction is multiplied by a
factor that is a function of the risk
weight category applicable to the
transferred assets. The resulting amount
is then reported in the Schedule RC-R
item for the applicable risk weight and
would thereby be included in the bank’s
risk-weighted assets. This interim
guidance would now be formally
(5) Change in Frequency of Reporting on incorporated into the Call Report
instructions.
Securitized Credit Card Receivables
(2) Reporting of quarterly averages in
In order to evaluate the financial
a quarter when push down accounting
performance of credit card banks and
has been applied—The instructions for
other banks with credit card operations
the quarterly average calculations in
that have securitized and sold credit
Schedule RC-K would be clarified to
card receivables, the volume of
indicate that banks acquired in push
receivables on all of the credit card
down transactions should calculate
accounts managed or serviced by a
bank, both on and off of the books, must quarterly averages using only amounts
be known. Banks that file the FFIEC 031 for the days since the acquisition in the
numerator and the number of days since
and 032 report forms (i.e., banks with
the acquisition in the denominator.
$300 million or more in assets or with
(3) Instructions for Schedule RC-R,
foreign offices) report annually as of
September 30 the outstanding amount of item 8, “On-balance sheet asset values
excluded from the calculation of the
“Credit cards and related plans” that
risk-based capital ratio”— Schedule RChave been securitized and sold without
R, item 8, includes any positive fair
recourse with servicing retained. In
values carried on the balance sheet for
contrast, these banks report the amount
interest rate, foreign exchange, equity
of “Credit cards and related plans” on
derivative, and commodity and other
their books each quarter. Given the
contracts that are treated as off-balance
growth in the volume of bank credit
sheet instruments for risk-based capital
card securitizations, these banks would
purposes. Because the fair values of
begin to report the outstanding amount
such contracts, if positive, are included
of securitized credit card receivables
in the calculation of their credit
that they service on a quarterly rather
equivalent amounts for risk-based
than annual basis.
capital purposes, the reporting of these
Instructional Changes
amounts in item 8 ensures that they are
not “double counted” when the
The following changes, which may
agencies calculate a bank’s riskaffect how some banks report certain
information in the Call Report, would be weighted assets.
In contrast, the existing instructions
made to the instructions.
(1) Reporting of low level recourse for indicate that accrued receivables
risk-based capital purposes—The three
associated with off-balance sheet
banking agencies amended their riskderivative contracts are to be excluded
based capital standards earlier this year
from item 8 and assigned to the
to incorporate the low level recourse
appropriate risk weight category in the
rule. (For OCC: 60 FR 17986, April 10,
same manner as other on-balance sheet
1995. For Board: 60 FR 8177, February
items. However, consistent with GAAP,
13.1995. For FDIC: 60 FR 15858, March institutions may include accrued
28.1995.) Under this rule, when a bank
receivables related to derivative
has transferred assets with recourse, the contracts in the fair value of such
amount of risk-based capital that must
contracts. Thus, the instructions would
be maintained is limited to the bank’s
be revised to permit institutions to
maximum contractual exposure under
report accrued receivables in item 8
when these amounts are included in a
the recourse agreement if this is less

57621

bank’s credit equivalent amount
calculations.
(4) Other—Instructions for mortgage
servicing rights and trading accounts
would be revised to bring them into
conformity with GAAP. Clarifications or
other conforming changes would also be
made to several other instructions.
Request fo r Com m ent
Comments submitted in response to
this Notice will be shared among the
agencies and will be summarized or
included in the agencies’ requests for
OMB approval. A ll comments will
become a matter of public record.
Written comments should address the
accuracy of the burden estimates and
ways to minimize burden including the
use of automated collection techniques
or the use of other forms of information
technology as well as other relevant
aspects of the information collection
request.
Dated: November 8,1995.
James F.E. Gillespie,

Director, Legislative and Regulatory Activities
Division, Office o f the Comptroller of the
Currency.
Board of Governors of the Federal Reserve
System, November 7,1995.
William W. Wiles,

Secretary o f the Board.
Dated at Washington, DC, this 9th day of
November 1995.
Federal Deposit Insurance Corporation.
Jerry L. Langley,

Executive Secretary.
(FR Doc. 95-28251 Filed 11-15-95; 8:45 am]
BILUNG COOES OCC: 4810-33-P 1/3; Board: 6210-01-P
1/3; FDIC: 8714-01-P 1/3

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