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FEDERAL RESERVE BANK OF NEW YORK [ Circular No. 10795 July 25, 1995 "1 REPORTING SUSPECTED CRIMES AND SUSPICIOUS FINANCIAL TRANSACTIONS Comment Requested on Proposal by September 1 To All State Member Banks, Bank Holding Companies, Branches, Agencies, and Representative Offices of Foreign Banks, and Edge and Agreement Corporations, in the Second Federal Reserve District: The following statem ent has been issued by the Board of Governors of the Federal Reserve System: The Federal Reserve Board has proposed rules to simplify the process for reporting suspected crimes and suspicious financial transactions by banking organizations supervised by the Federal Reserve. Public comment on the Board’s proposal is due by September 1, 1995. The proposal was developed as part of an interagency effort to reduce reporting burdens, while at the same time enhancing the ability of federal law enforcement authorities to investigate and prosecute criminal offenses involving our Nation’s financial institutions. The same proposal will be issued by the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Office of Thrift Supervision, and the National Credit Union Administration. The proposed new suspicious activity reporting rules: • Reduce the number of reports that banking organizations must file by raising the mandatory reporting dollar thresholds for potential criminal violations. The Board estimates that the number of reports will be reduced by 25 percent. • Reduce the number of copies that must be submitted by requiring banking organizations to send a single copy of each referral to one place — the Financial Crimes Enforcement Network of the Department of the Treasury (FinCEN). At present, financial institutions have to submit copies of criminal referral forms to as many as six different agencies. • Clarify the procedures for filing referrals by implementing a new, consolidated interagency report form, the Suspicious Activity Report (SAR), that melds and replaces all other criminal referral forms and suspicious financial transaction reports, such as suspicious currency transaction reports. The new suspicious activity reporting process will also simplify the task of filing reports of known or suspected criminal offenses. The new SAR form will require less information than its predecessor forms, and can be completed manually or by using software that will be provided by the Board to the banking organizations it supervises. Banking organizations will have the option of filing SARs in various electronic forms instead of on paper. The collection of information from the SARs will also assist law enforcement agencies. SARs will be entered into a newly created computer database accessible by each of the federal law enforcement agencies responsible for investigating and prosecuting suspected violations of federal criminal laws, as well as by the Board and the other federal financial institutions supervisory agencies. The Board and the other federal banking agencies plan to begin use of the new suspicious activity reporting process by October 1995. Printed below and on the following pages is the text of the Board’s proposal. Comments thereon should be submitted by September 1, 1995, and may be sent to the Board, as specified in the notice, or, at this Bank, to Joseph E. Buckley, Jr., Team Leader, Advisory and Technical Services Function (Tel. No. 212-720-2393). W il l ia m J. M cD onough , President. Federal Register / Vol. 60, No. 127 / M onday, July 3, 1995 / Proposed Rules FEDERAL RESERVE SYSTEM DATES: Comments must be received on or before September 1, 1995. 12 CFR Parts 208, 211, and 225 ADDRESSES: Comments should refer to Docket No, R-0885, and may be mailed [Regulations H, K, and Y; Docket No. R 0885] to William W. Wiles, Secretary, Board of Governors of the Federal Reserve Membership of State Banking System, 20th and Constitution Avenue, Institutions in the Federal Reserve NW„ Washington, DC 20551. Comments System; International Banking also may be delivered to Room B-2222 Operations; Bank Holding Companies of the Eccles Building between 8:45 a.m. and Change in Bank Control and 5:15 p.m. weekdays, or to the guard station in the Eccles Building courtyard AGENCY: Board of Governors of the on 20th Street, NW (between Federal Reserve System. ACTION: Notice of proposed rulemaking. Constitution Avenue and C Street) at any time. Comments received will be SUMMARY: The Board of Governors of the available for inspection in Room MPFederal Reserve System (the Board) is 500 of the Martin Building between 9 proposing to revise its regulations on a.m. and 5 p.m. weekdays, except as reporting of suspicious activities by the provided in 12 CFR 261.8 of the Board’s domestic and foreign banking rules regarding availability of organizations supervised by the Federal information. Reserve, including the reporting of FOR FURTHER INFORMATION CONTACT: suspicious financial transactions such Herbert A Bi ern, Deputy Associate as suspected violations of the Bank Director, Di vision of Banking Secrecy Act (BSA). As proposed, these Supervision and Regulation, (202) 452rules implement a new interagency 2520, or Richard A. Small, Special suspicious activity referral process. The Counsel, Division of Banking rules also reduce substantially the Supervision and Regulation, (202) 452burden on banking organizations in 5235; for the hearing impaired only reporting suspicious activities while contact Dorothea Thompson, enhancing access to such information by Telecommunication Device for the Deaf, (202) 452-3544, Board of Governors of the Federal law enforcement agencies, the Federal Reserve System, 20th Street the Federal financial institutions and Constitution Avenue, NW., supervisory agencies and the Washington, DC 20551. Department of the Treasury. 34481 SUPPLEMENTARY INFORMATION: Background The Federal financial institutions supervisory agencies (the A gencies)1 and the Department of the Treasury (the Treasury)2 are responsible for ensuring that financial institutions apprise Federal law enforcement authorities of any known or suspected violation of a Federal criminal statute and of any suspicious financial transaction. Suspicious financial transactions, which will be the subject of regulations and other guidance to be issued by the Treasury, can include transactions that the banking organization suspects involved funds derived from illicit activities, were conducted for the purpose of hiding or disguising funds from illicit activity, in any way violated the Federal money laundering statutes (18 U.S.C. 1956 and 1957), were potentially designed to evade the reporting or recordkeeping requirements of the BSA (31 U.S.C. 5311 through 5330), and transactions that the bank believes were suspicious for any other reason. Fraud, abusive insider transactions, check kiting schemes, money 1The Federal financial institutions supervisory agencies are the Board, the Office of the Comptroller of the Currency, the Office of Thrift Supervision, the Federal Deposit Insurance Corporation, and the National Credit Union Administration. 2Through Treasury’s Financial Crimes Enforcement Network (FinCEN). 34482 Federal Register / Vol. 60, No. 127 / Monday, July 3, 1995 / Proposed Rules laundering, and other crimes can pose Proposal serious threats to a financial The Board proposes to revise 12 CFR institution’s continued viability and, if Parts 208, 211, and 225 by updating the unchecked, can undermine the public current rules governing the filing of confidence in the nation’s financial criminal referral reports; expanding the industry. The Agencies and Federal law rules pertinent to the activities of state enforcement agencies need to receive member banks, bank holding companies timely and detailed information and their nonbank subsidiaries, Edge regarding suspected criminal activity to and Agreement corporations, and the determine whether investigations, U.S. branches and agencies of foreign administrative actions, or criminal banks to cover suspicious financial prosecutions are warranted. transactions; implementing the new An interagency Bank Fraud Working SAR; and eliminating overly Group (BFWG), consisting of burdensome reporting requirements. representatives from many Federal This action should improve reporting of agencies, including the Agencies and known or suspected violations and law enforcement agencies such as the suspicious financial transactions U.S. Department of Justice and the relating to financial institutions while Federal Bureau of Investigation, was providing uniform data for entry into a formed in 1984. The BFWG addresses new interagency computer database. substantive issues, promotes The Board expects that each of the other cooperation among the Agencies and Agencies will be making substantially Federal and state law enforcement similar changes to their criminal referral agencies, and improves the Federal rules contemporaneously. government’s response to white collar The principal proposed changes to the crime in financial institutions. It is under the auspices of the BFWG that the Board’s current criminal referral reporting rules are discussed below. revisions to these regulations and the They include the following notable reporting requirements are being made. Suspicious Activity Report The Agencies have been working on a project to improve the criminal referral process, to reduce the reporting burden on banking organizations, and to eliminate confusion associated with the current duplicative reporting of suspicious financial transactions in criminal referral forms and currency transactions reports (CTRs). Contemporaneously, the Treasury analyzed the need to implement the procedures for reporting suspicious financial transactions by banks following the enactment of the Annunzio-Wylie Anti-Money Laundering Act of 1992. As a result of these reviews, the Agencies and Treasury approved the development of a new referral process that includes suspicious financial transaction reporting. To implement the reporting process and to reduce unnecessary burdens associated with these various reporting requirements, the Agencies and FinCEN developed a new form for reporting known or suspected Federal criminal law violations and suspicious financial transactions. The new form is designated the Suspicious Activity Report (SAR). The new referral process and the SAR reduce the burden on financial institutions for reporting known or suspected violations and suspicious financial transactions. The Agencies anticipate that the new process will be instituted by October, 1995. changes: (i) simplifying and shortening the referral form; (ii) raising the mandatory reporting thresholds for criminal offenses, thereby reducing banking organizations’ reporting burdens; (iii) filing only one form with a single repository, rather than submitting multiple copies to several Federal law enforcement and banking agencies, thereby further reducing reporting burdens; and (iv) clarifying the criminal referral and suspicious financial transaction reporting requirements of the Agencies and Treasury associated with suspicious financial transactions, thereby eliminating confusion concerning the filing of referrals related to suspicious financial transactions of less than $10,000 and eliminating duplicative referrals. The proposal also involves the manner in which financial institutions file a SAR. In following the instructions on a SAR, banking organizations may file the referral form in several ways, including submitting an original form or a photocopy, and they may file a SAR by magnetic means, such as by a computer disk. In the future, the Board and the other Agencies anticipate that a banking organization will be able to file a SAR electronically. The Agencies, working with FinCEN, are developing computer software to assist financial institutions in preparing and filing SARs. The software will allow a banking organization to complete a SAR, to save the SAR on its computers, and to print a hard copy of the SAR for its own records. The computer software will also enable a financial institution to file a SAR using various forms of magnetic media, such as computer disk or magnetic tape. The Board will make the software available to all domestic and foreign banking organizations it supervises. The changes are being made to § 208.20 of Regulation H of the Board (12 CFR 208.20) relating to the criminal referral reporting responsibilities of state member banks. Sections 211.8 and 211.24(f) of Regulation K of the Board and § 225.4(f) of Regulation Y of the Board make § 208.20 of Regulation H of the Board applicable to Edge and Agreement corporations, the U.S. branches and agencies of foreign banks (except a Federal branch or Federal agency or a state branch that is insured by the Federal Deposit Insurance Corporation), a representative office of a foreign bank, and bank holding companies and their nonbank subsidiaries, respectively. This means that the changes applicable to state member banks discussed below will also be applicable to the suspicious activity reporting responsibilities of all of the other domestic and foreign banking organizations supervised by the Federal Reserve, including bank holding companies, Edge corporations, and the U.S. branches and agencies of foreign banks. The only modifications being made to the current provisions of §§211.8 and 211.24(f) of Regulation K, and § 225.4(f) of Regulation Y are changes to the name of form—from “criminal referral form” to a SAR—and a change in the heading of § 225.4(f) of Regulation Y to “Suspicious Activity Report” from “Criminal referral report.” Section 208.20(a) Purpose The proposal clarifies the scope of the current rufe. Under the proposal, the SAR replaces the various criminal referral forms that the Agencies currently require banking organizations to file. Also a state member bank or other type of financial institution files a SAR instead of a currency transaction report (CTR) to report a suspicious financial transaction involving less than $10,000 in currency.3 •’ The BSA requires all financial institutions to file CTRs in accordance with the Treasury’s implementing regulations (31 CFR Part 103). Part 103 requires a bank to file a CTR whenever a currency transaction exceeds $10,000. If a currency transaction exceeds $10,000 and is suspicious, the state member bank, under these new requirements, will file both a CTR (reporting the currency transaction) and a SAR (reporting the suspicious criminal aspect of the transaction). If a currency transaction equals or is below $10,000 but is suspicious, the bank will only file a SAR. Federal Register / Vol. 60, No. 127 / Monday, July 3, 1995 / Proposed Rules Combining suspicious financial transaction reporting and criminal referral reporting should reduce confusion, increase the accuracy and efficiency of reporting, and reduce the burden on financial institutions in reporting known or suspected violations, including suspicious financial transactions. Section 208.20(b) Definitions In addition to the current definition of “institution-affiliated party” set forth at 12 CFR 208.20(b), the proposed § 208.20(b) defines the following terms: “FinCEN” and “SAR.” The definitions should make the rule easier to interpret and apply. Section § 208.20(c) Reports Required Proposed § 208.20(c), which replaces the current subsection, clarifies and expands the provision that requires a state member bank to file a SAR. This provision raises the dollar thresholds that trigger a filing requirement. It also modifies the scope of events that a state member bank must report by requiring that a bank file a SAR to report a suspicious financial transaction. Under the current rule, the Board requires a state member bank to file a criminal referral form with many different Federal agencies. The proposal, which replaces all other requirements for filing criminal and suspicious financial transaction referrals, requires a bank to file only a single SAR at one location, rather than the multiple copies of the criminal referral form that must now be filed with various Federal agencies. Under proposed § 208.20(c), a state member bank effectively files a SAR with all appropriate Federal law enforcement agencies by sending a single copy of the SAR to FinCEN, whose address will be printed on the SAR. FinCEN will input the information contained on the SARs into a newly created database that FinCEN will maintain. This process meets the regulatory requirement that a banking organization refer any known or suspected criminal violation to the various Federal law enforcement agencies. The database will enhance Federal law enforcement and bank supervisory agencies’ ability to track, investigate, and prosecute, criminally, civilly, and administratively, individuals and entities suspected of violating Federal criminal law. This cnange ensures that all SARs are placed in the database at FinCEN and that the information is made available on computer to the appropriate law enforcement and supervisory agencies as quickly as possible. This change will reduce the filing burdens of banking organizations. The proposal modifies current § 208.20(c)(2), which requires reporting of known or suspected criminal activity when a state member bank has a substantial basis for identifying a noninsider suspect where bank funds or other assets involve or aggregate $1,000. or more. Proposed § 208.20(c)(2) raises the reporting threshold to $5,000, thereby reducing the reporting burden on banking organizations. The proposal also modifies current § 208.20(c)(3), which requires a state member bank to report any known or suspected criminal violation involving $5,000 or more where the bank has no substantial basis for identifying a suspect. Specifically, proposed § 208.20(c)(3) raises the dollar reporting threshold from $5,000 to $25,000, thereby reducing further the reporting burden on banking organizations. Proposed § 208.20(c)(4) requires a state member bank to report any financial transaction, regardless of the dollar amount, that: (i) the bank suspects involved funds derived from illicit activity, was conducted for the purpose of hiding or disguising funds from illicit activity, or in any way violated Federal money laundering statutes (18 U.S.C. 1956 and 1957); (ii) the bank suspects was potentially designed to evade the reporting or recordkeeping requirements of the BSA (31 U.S.C. 5311 through 5330); or (iii) the bank believes to be suspicious for any reason. Section 208.20(d) Time for Reporting Proposed § 208.20(d) sets forth the time requirements a state member bank must meet when filing a SAR. The proposal clarifies the reporting requirement in the event a suspect or group of suspects is not immediately identified. It does not substantively change the current requirements. Section 208.20(e) Reporting to State and Local Authorities No changes are being proposed to the current § 208.20(e). Section 208.20(f) Exceptions No changes are being made to the current § 208.20(f). Section 208.20(g) Retention of Records Current § 208.20(g) requires a state member bank to retain a copy of the criminal referral form and the original of any related documentation relating to a referral for a period of 10 years from the date of the report. No changes are being made to this requirement. The proposal 34483 clarifies the requirement that banking organizations make all supporting documentation available to appropriate law enforcement agencies upon request. This approach ensures that Federal law enforcement agencies and the Agencies, upon request, have access to any documentation necessary to prosecute a violation or pursue an administrative action by requiring financial institutions to identify and preserve underlying documentation for 10 years and treat such underlying documentation as having been filed with the SAR. Section 208.20(h) Notification of the Board of Directors Current § 208.20(h) requires notification regarding the filing of a SAR to a state member bank’s board of directors by the bank’s management To reduce burdens on the boards of directors of state member banks, especially those large banks that file many SARs, the proposal recognizes that the required notification may be made to a committee of the board. Section 208.20(i) Compliance Current § 208.20(i) is headed “Penalty”. The heading of the subsection is changed to reflect better the range of informal and formal supervisory actions that the Board can take to address suspicious activity reporting deficiencies. Section 208.20(j) Confidentiality of SARs The Board proposes to add a new subsection relating to the confidentiality of a SAR. Proposed § 208.20(j) states that a SAR and the information contained in a SAR are confidential, and that a state member bank should decline to produce a SAR citing applicable law (e.g., 31 U.S.C. 5318(g)) and the provisions of § 208.20 of Regulation H of the Board. Comments The Board invites public comment on all aspects of this proposal. Regulatory Flexibility Act Because this proposal is designed to reduce the burden on financial institutions for reporting suspicious financial transactions, the Board certifies that this proposed regulation will not have a significant financial impact on a substantial number of small banks or other small entities. Paperwork Reduction Act In accordance with Section 3507 of the Paperwork Reduction Act of 1980, the suspicious activity report regulation was approved under authority delegated 34484 Federal Register / Vol. 60, No. 127 / Monday, July 3, 1995 / Proposed Rules transactions conducted through the bank and involving or aggregating $25,000 or more in funds or other assets, where the bank believes that it was 2. Section 208.20 is revised to read as either an actual or potential victim of a criminal violation, or series of criminal follows: violations, or that the bank was used to § 208.20 Suspicious Activity Reports. facilitate a criminal transaction, even (a) Purpose. This section ensures that though there is no basis for identifying a state member bank files a Suspicious a possible suspect or group of suspects. Activity Report when it detects a known (4) Whenever the state member hank or suspected violation of Federal law or detects any financial transaction suspicious financial transaction. This conducted, or attempted, at the bank section applies to all state member involving funds derived from illicit banks. activity or for the purpose of hiding or (b) Definitions. For the purposes of disguising funds from illicit activities, this section: or for the possible violation or evasion (1) FinCEN means the Financial of the Bank Secrecy Act reporting and/ Crimes Enforcement Network of the or recordkeeping requirements, even if Department of the Treasury. there is no substantial basis for (2) Institution-affiliated party means identifying a possible suspect or group any institution-affiliated party as that of suspects. A suspicious activity report term is defined in Sections 3(u) and must be filed for all instances where 8(b)(3) and (4) of the Federal Deposit money laundering is suspected or where Insurance Act (12 U.S.C. 1813(u) and the bank believes that the transaction 1818(b)(3) and (4)). was suspicious for any reason, (3) SAR means a Suspicious Activity regardless of the identification of a Executive Order 12291 Report form proscribed by the Board. potential suspect or group of suspects or (c) SARs required. A state member The Board has determined that this the amount involved in the violation. bank shall file a SAR with the proposed regulation is not a “major (d) Time for reporting. A state member appropriate Federal law enforcement rule” and therefore does not require a bank is required to file a SAR no later agencies and the Department of the than 30 calendar days after the date of regulatory impact analysis. Treasury and in accordance with the initial detection of the possible, known List of Subjects form’s instructions, by sending a or suspected criminal violation or series completed SAR to FinCEN in the 12 CFR Part 208 of criminal violations. If no suspect was following circumstances: identified on the date of detection of the Accounting, Agriculture, Banks, (1) Whenever the state member bank incident triggering the filing, a state banking, Confidential business detects any known or suspected Federal member bank may delay filing a SAR for information, Crime, Currency, Federal criminal violation, or pattern of criminal an additional 30 calendar days after the Reserve System, Mortgages, Reporting violations, committed against the bank identification of the suspect. In no case and recordkeeping requirements, or involving a transaction conducted shall reporting be delayed more than 60 Securities. through the bank, where the bank has a calendar days after the date of the loss 12 CFR Part 211 substantial basis for identifying one of or the possible known or suspected its directors, officers, employees, agents, criminal violation or series of criminal Exports, Federal Reserve System, or other institution-affiliated parties as violations. In situations involving Foreign banking, Holding companies, having committed or aided in the violations requiring immediate Investments, Reporting and commission of a criminal act regardless attention, such as when a reportable recordkeeping requirements. of the amount involved in the violation. violation is on-going, the financial 12 CFR Part 225 (2) Whenever the state member bank institution shall immediately notify, by detects any known or suspected Federal telephone, the appropriate law Administrative practice and criminal violation, or pattern of criminal enforcement authority in addition to procedures, Banks, banking, Federal violations, committed against the bank Reserve System, Holding companies, filing a timely SAR. or involving a transaction or Reporting and recordkeeping (e) Reports to state and local transactions conducted through the authorities. State member banks are requirements, Securities. bank and involving or aggregating For the reasons set out in the encouraged to file a copy of the SAR $5,000 or more in funds or other assets, preamble, Parts 208, 211, and 225 of with state and local law enforcement where the bank believes that it was chapter II of title 12 of the Code of agencies where appropriate. either an actual or potential victim of a Federal Regulations is proposed to be (f) Exceptions. (1) A state member criminal violation, or series of criminal amended to read as follows: bank need not file a SAR for a robbery violations, or that the bank was used to or burglary committed or attempted that facilitate a criminal transaction, and that is reported to appropriate law PART 208—MEMBERSHIP OF STATE the bank has a substantial basis for enforcement authorities. BANKING INSTITUTIONS IN THE identifying a possible suspect or group (2) A state member bank need not file FEDERAL RESERVE SYSTEM of suspects. a SAR for lost, missing, counterfeit, or (REGULATION H) (3) Whenever the state member bank stolen securities if it files a report 1. The authority citation for 12 CFR detects any known or suspected Federal pursuant to the reporting requirements part 208 continues to read as follows: criminal violation, or pattern of criminal of 17 CFR 240.17f-l. violations, committed egainst the bank (g) Retention o f records. A state Authority: 12 U.S.C. 36, 248(a), 248(c), or involving a transaction or 321-338a, 37ld, 461, 481-486,601,611, member bank shall maintain a copy of to the Board by the Office of Management and Budget. The Board has determined that the proposed regulations may reduce the burden on reporting institutions through the use of a simplified, shorter form, the filing of one form only, the raising of reporting thresholds, and the elimination of the submission of supporting documentation with a referral, as well as by the Board’s provision to banking organizations of computer software to prepare the form. The estimated average burden associated with the collection of information contained in a SAR is approximately .6 hours per respondent. The burden per respondent will vary depending on the nature of the suspicious activity being reported. Comments concerning the accuracy of this burden estimate should be directed to Mary M. McLaughlin, Division of Research and Statistics, Mail Stop 97, Federal Reserve Board, 20th Street and Constitution Avenue, N.W., Washington, D.C. 20551. 1814, 1823(j), 1828(o), 1831o, 1831p-l, 3105, 3310, 3331-3351, and 3906-3909; 15 U.S.C. 78b, 781(b), 781(g), 781(i), 78o-4(c)(5), 78q. 78q-l and 78w; 31 U.S.C. 5318. Federal Register / Vol. 60, No. 127 / Monday, July 3, 1995 / Proposed Rules any SAR filed and the original of any related documentation for a period of 10 years from the date of filing the SAR. A state member bank must make all supporting documentation available to appropriate law enforcement agencies upon request. Supporting documentation shall be identified and treated as filed with the SAR. (h) Notification to board of directors. The management of a state member bank shall promptly notify its board of directors, or a committee thereof, of any report filed pursuant to this section. (i) Compliance. Failure to file a SAR in accordance with this section and the form’s instructions may subject the state member bank, its directors, officers, employees, agents, or other institutionaffiliated parties to supervisory action. (j) Confidentiality of SARs. SARs are confidential. Any person subpoenaed or otherwise requested to disclose a SAR or the information contained in a SAR shall decline to produce the information citing this section, applicable law (e.g., 31 U.S.C. 5318(g)), or both. PART 211— INTERNATIONAL BANKING OPERATIONS (REGULATION K) 1. The authority citation for part 211 is revised to read as follows: Authority: 12 U.S.C. 221 etseq., 1818, etseq., 1843 etseq., 3100 etseq., 3901 et seq. 1841 §§211.8 and 211.24 [Amended] 2. In §§ 211.8 and 211.24(f) remove the words “criminal referral form” and add, in their place, the words “suspicious activity report”. PART 225— BANK HOLDING COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) 1. The authority citation for 12 CFR part 225 continues to read as follows: Authority: 12 U.S.C. 1817(j)(13), 1818, 1831i, 1831p-l, 1843(c)(8), 1844(b), 1972(1), 3106, 3108, 3310, 3331-3351,3907,and 3909. § 225.4 [Amended] 2. In § 225.4 the heading of paragraph (f) is revised to read “Suspicious A ctivity R eport”. 3. In § 225.4(f) remove the words “criminal referral form” and add, in their place, the words “suspicious activity report”. By order o f the Board of Governors of the Federal Reserve System, June 28,1995. William W. Wiles, Secretary of the Board. [FR Doc. 95-16250 Filed 6-30-95; 8:45 am] BILLING CODE 6210-01-P 34485
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