Status of New Uniform Residential Loan Application and Collection of Expanded Home Mortgage Disclosure Act Information About Ethnicity and Race in 2017
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66930 Federal Register / Vol. 81, No. 189 / Thursday, September 29, 2016 / Notices 1 See 2016 URLA—Borrower Information, 2016 URLA—Additional Borrower, 2016 URLA— Unmarried Addendum, 2016 URLA—Lender Loan Information, 2016 URLA—Continuation Sheet, and 2016 URLA Demographic Information Addendum included as attachments in part V of this notice. 1. The Review Panel participants will review the stock assessment reports to determine if they are scientifically sound.
Although non-emergency issues not contained in this agenda may come before this group for discussion, those issues may not be the subject of formal action during this meeting. Action will be restricted to those issues specifically identified in this notice and any issues arising after publication of this notice that require emergency action under section 305(c) of the Magnuson-Stevens Fishery Conservation and Management Act, provided the public has been notified of the intent to take final action to address the emergency. Special Accommodations These meetings are physically accessible to people with disabilities. Requests for auxiliary aids should be directed to the SAFMC office (see ADDRESSES) at least 5 business days prior to the meeting.
Note: The times and sequence specified in this agenda are subject to change. Authority: 16 U.S.C. 1801 et seq. Dated: September 26, 2016. Tracey L. Thompson, Acting Director, Office of Sustainable Fisheries, National Marine Fisheries Service. [FR Doc. 2016–23520 Filed 9–28–16; 8:45 am] BILLING CODE 3510–22–P BUREAU OF CONSUMER FINANCIAL PROTECTION Status of New Uniform Residential Loan Application and Collection of Expanded Home Mortgage Disclosure Act Information About Ethnicity and Race in 2017 AGENCY: Bureau of Consumer Financial Protection.
ACTION: Bureau Official Approval. SUMMARY: The Bureau of Consumer Financial Protection (Bureau) is publishing a notice pursuant to the Equal Credit Opportunity Act concerning the new Uniform Residential Loan Application and the collection of expanded Home Mortgage Disclosure Act information about ethnicity and race in 2017.
DATES: This official approval is issued September 23, 2016. Entities may rely on part III of this Bureau official approval beginning January 1, 2017. FOR FURTHER INFORMATION CONTACT: James Wylie, Counsel, Office of Regulations, Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552, at 202–435– 7700.
SUPPLEMENTARY INFORMATION: I. Background The Bureau of Consumer Financial Protection (Bureau) administers the Equal Credit Opportunity Act (ECOA), 15 U.S.C. 1691, et seq. and its implementing regulation, Regulation B, 12 CFR part 1002. Section 706(e) of ECOA, as amended, provides that no provision of ECOA imposing liability shall apply to any act done or omitted in good faith in conformity with any official rule, regulation, or interpretation thereof by the Bureau or in conformity with any interpretation or approval by an official or employee of the Bureau duly authorized by the Bureau to issue such an interpretation or approval. This notice (Bureau official approval) constitutes such an interpretation or approval, and therefore section 706(e) protects a creditor from civil liability under ECOA for any act done or omitted in good faith in conformity with this notice.
II. New Uniform Residential Loan Application Status Under Regulation B The Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association (collectively, the Enterprises), under the conservatorship of the Federal Housing Finance Agency (FHFA), issued a revised and redesigned Uniform Residential Loan Application on August 23, 2016, included as an attachment to this notice (2016 URLA).1 This issuance was part of the effort of these entities to update the Uniform Loan Application Dataset (ULAD) in conjunction with the 2016 URLA. Bureau staff has reviewed the 2016 URLA in accordance with the request by FHFA and the Enterprises for a Bureau official approval of the 2016 URLA under ECOA and Regulation B. A. Background A version of the URLA dated January 2004 is included in appendix B to Regulation B as a model form. Appendix B provides that the use of model forms included in appendix B is optional under Regulation B but that, if a creditor uses an appropriate appendix B model form, or modifies a form in accordance with instructions provided in appendix B, that creditor shall be deemed to be acting in compliance with § 1002.5(b) through (d). Regulation B comment appendix B–1 provides that a previous version of the URLA, dated October 1992, may be used by creditors without violating Regulation B. This Bureau official approval is being issued separately from, and without amending, the official interpretations to Regulation B contained in Supplement I to Regulation B. The Bureau will consider whether to address the treatment of outdated versions of the URLA in appendix B and Supplement I to Regulation B at a later date. B. Bureau Official Approval Regulation B § 1002.5(b) provides rules concerning requests for information about race, color, religion, national origin, or sex. Section 1002.5(c) provides rules concerning requests for information about a spouse or former spouse. Section 1002.5(d) provides rules concerning requests for information regarding marital status; income from alimony, child support, or separate maintenance; and childbearing or childrearing. Bureau staff has determined that the relevant language in the 2016 URLA is in compliance with these regulatory provisions. A creditor’s use of the 2016 URLA is not required under Regulation B. However, a creditor that uses the 2016 URLA without any modification that would violate § 1002.5(b) through (d) would act in compliance with § 1002.5(b) through (d). The issuance of this Bureau official approval has been duly authorized by the Director of the Bureau and provides the protection afforded under section 706(e) of ECOA.
III. Collection of Expanded Home Mortgage Disclosure Act Information About Ethnicity and Race in 2017 This part of this Bureau official approval addresses collection of information concerning the ethnicity and race of applicants in conformity with Regulation B from January 1, 2017, through December 31, 2017. A. Background With some exceptions, Regulation B § 1002.5(b) generally prohibits a creditor from inquiring about the race, color, religion, national origin, or sex of an applicant or any other person in connection with a credit transaction. Regulation B § 1002.5(a)(2) provides an exception to that prohibition for information, including information about ethnicity and race, for monitoring purposes that creditors are required to request for certain dwelling-secured loans under § 1002.13, and for information required by a regulation, order, or agreement issued by or entered into with a court or an enforcement VerDate Sep<11>2014 18:51 Sep 28, 2016 Jkt 238001 PO 00000 Frm 00012 Fmt 4703 Sfmt 4703 E:\FR\FM\29SEN1.SGM 29SEN1 mstockstill on DSK3G9T082PROD with NOTICES
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66931 Federal Register / Vol. 81, No. 189 / Thursday, September 29, 2016 / Notices 2 Regulation B comment 5(a)(2)–2 explains that Regulation C generally requires creditors covered by HMDA to collect and report information about the race, ethnicity, and sex of applicants for homeimprovement loans and home purchase loans, including some types of loans not covered by § 1002.13.
3 80 FR 66314, amendments to appendix B to Regulation C effective January 1, 2018. 4 HMDA Final Rule, 80 FR at 66190. 5 See 2017 File Specifications in filing instructions guide for HMDA data collected in 2017, available at: http:// www.consumerfinance.gov/data-research/hmda/ static/for-filers/2017/2017-HMDA-FIG.pdf. agency to monitor or enforce compliance with ECOA, Regulation B, or other Federal or State statutes or regulations, including Regulation C.2 Under Regulation C § 1003.4(a)(10), lenders covered by Regulation C are required to collect, record, and report certain information, including information regarding ethnicity and race, that would be otherwise prohibited.
Regulation C, as amended by the final rule published in the Federal Register at 80 FR 66127 on October 28, 2015 (2015 HMDA final rule), will require financial institutions to permit applicants to selfidentify using disaggregated ethnic and racial categories beginning January 1, 2018.3 However, before that date, such inquiries will not be required by Regulation C or allowed under Regulation B § 1002.5(a)(2), and therefore creditors would be prohibited by Regulation B § 1002.5(b) from requesting applicants to self-identify using the disaggregated ethnic and racial categories.
The Bureau believes there will likely be significant benefits to permitting creditors to request, before January 1, 2018, that applicants self-identify using the disaggregated ethnic and racial categories under amended Regulation C, using the processes and instructions provided in amended appendix B to Regulation C. The Bureau believes such authorization may provide creditors time to begin to implement the regulatory changes and improve their compliance processes before the new requirement becomes effective, and therefore mandatory, on January 1, 2018. Allowing for this increased implementation period will reduce compliance burden and further the purposes of HMDA and Regulation C. Some creditors may be ready to permit applicants to self-identify using disaggregated ethnic and racial categories before January 1, 2018, but could not fully transition to new forms and processes because of the prohibition in Regulation B § 1002.5(b). It may help industry adoption of those standards to allow creditors to permit applicants to self-identify using disaggregated ethnic and racial categories before January 1, 2018. Moreover, permitting applicants to self-identify using the disaggregated ethnic and racial categories as instructed in appendix B to Regulation C, as amended by the 2015 HMDA final rule, before the effective date of that rule is consistent with the purposes of ECOA and Regulation B and does not pose a risk of harm to consumers. As the Bureau explained in the 2015 HMDA final rule, the Bureau believes that, among other things, disaggregation will encourage self-reporting by applicants by offering, as the Census does, categories that promote selfidentification.4 B. Bureau Official Approval At any time from January 1, 2017, through December 31, 2017, a creditor may, at its option, permit applicants to self-identify using disaggregated ethnic and racial categories as instructed in appendix B to Regulation C, as amended by the 2015 HMDA final rule. During this period, a creditor adopting the practice of permitting applicants to selfidentify using disaggregated ethnic and racial categories as instructed in appendix B to Regulation C, as amended by the 2015 HMDA final rule, shall not be deemed to violate Regulation B § 1002.5(b). During this period, a creditor adopting the practice of permitting applicants to self-identify using disaggregated ethnic and racial categories as instructed in appendix B to Regulation C, as amended by the 2015 HMDA final rule, shall also be deemed to be in compliance with Regulation B § 1002.13(a)(i) even though applicants are asked to self-identify using categories other than those explicitly provided in that section. The issuance of this Bureau official approval has been duly authorized by the Director of the Bureau and provides the protection afforded under section 706(e) of ECOA. C. Instructions for Submitting Data Collected Under This Approval For purposes of submitting HMDA data for applications received from January 1, 2017, through December 31, 2017, and on which final action is taken during the 2017 calendar year, a financial institution shall submit the information concerning ethnicity and race pursuant to § 1003.4(a)(10), using only aggregate categories and the codes provided in the filing instructions guide for HMDA data collected in 2017, even if the financial institution has permitted applicants to self-identify using disaggregated categories pursuant to this Bureau official approval.5 For such applications, if an applicant selects multiple disaggregated ethnicity or race categories that correspond to a single aggregate ethnicity or race category, the financial institution shall submit the applicable code for that aggregate ethnicity or race category. If an applicant selects multiple disaggregated race categories that correspond to multiple aggregate race categories, the financial institution shall submit the applicable code for each of those aggregate race categories. If an applicant selects an ‘‘other’’ race or ethnicity category, with or without providing a written response, the financial institution shall submit the applicable code for that aggregate race or ethnicity category. If an applicant selects multiple aggregate ethnicity categories by either selecting both Hispanic or Latino and Not Hispanic or Latino or selecting Not Hispanic or Latino and selecting the ‘‘other’’ ethnicity category, with or without providing a written response, the financial institution may submit either the applicable code for Hispanic or Latino or the applicable code for Not Hispanic or Latino.
For purposes of submitting HMDA data for applications received on or after January 1, 2017, and before January 1, 2018, and on which final action is taken on or after January 1, 2018, the financial institution, at its option, may submit the information concerning ethnicity and race under § 1003.4(a)(10)(i) using disaggregated categories if the applicant provided such information instead of using the transition rule in Regulation C comment 4(a)(10)(i)–2 as adopted by the 2015 HMDA final rule, or it may submit the information in accordance with that transition rule.
IV. Regulatory Requirements This Bureau official approval is an approval or interpretation exempt from notice and comment rulemaking requirements under the Administrative Procedure Act. See 5 U.S.C. 551, 553(b). Because no notice of proposed rulemaking is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. 5 U.S.C. 603(a), 604(a). The Bureau has determined that this notice does not impose any new or revise any existing recordkeeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring OMB approval under the Paperwork Reduction Act, 44 U.S.C. 3501, et seq. The existing information collections required by the Equal Credit Opportunity Act (ECOA) and Regulation B have been approved by the Office Of Management and Budget under OMB VerDate Sep<11>2014 18:51 Sep 28, 2016 Jkt 238001 PO 00000 Frm 00013 Fmt 4703 Sfmt 4703 E:\FR\FM\29SEN1.SGM 29SEN1 mstockstill on DSK3G9T082PROD with NOTICES
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66932 Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices
Control #3170—0013, and the approval of the revised Uniform V. 2016 Uniform Residential Loan information collections for the Home Residential Loan Application (2016 Application
Mortgage Disclosure Act (HMDA) and URLA) does not add or alter any Regulation C are approved under OMB information collections approved under Control #3170—0008. The Bureau’s either rule.
BILLING CODE 4810-AM-P
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66933 Federal Register / Vol. 81, No. 189 / Thursday, September 29, 2016 / Notices VerDate Sep<11>2014 18:51 Sep 28, 2016 Jkt 238001 PO 00000 Frm 00015 Fmt 4703 Sfmt 4725 E:\FR\FM\29SEN1.SGM 29SEN1 EN29SE16.005</GPH> mstockstill on DSK3G9T082PROD with NOTICES Current AddtHs
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Gross Monthiy income
Employer or Business Name Phone (oe Address Base $ frmonth City State Zip Overline 8 Jieanth Bonus S Jrmonth Position or Tithe cyan icheivectneiineneiiin ete Commission 5 Freenth : ane! PC] as einplayed by 6 faiidy menibes, vie Stark Date____./_dmmyyyyy property seller, realestate agaent_or other Military - hese How long inthis ineofwork? Years. Months party to the brarsaction: Entitlements 3 a heenith : : Cyther § Jreanth [check if yeu are the Business Oo! have an-ownership.share of lessthan 259. Monthly Incorme (or Loss) Owner or Self-Employed Ol have an ownership share of 2G ormore, 6 TOTAR Bon front
Employer or Business Name Ctheck if you were the Previous Gross Monthly Business Owner Income Addr caress or SelH-Employed 5 City State Zip "
Position or Title Start Date i irre? End Date i ionyyyyt
i le. lacaime from Other Sources Cl Does notanply
come from other sources below, Under Income Source, choose from the sources listed here:
J ; + Child Sigppart ~Wtérest ahd Dividends ~Maorigage Ditferentiqt > Royalty Pay iidiats
Auto mobile Allowance Disa bility » Hotes Receivable. Payments “enee iainte nance ; « Bog rclor lngannan «Foster Care « Public Assistance > Roliemerdt Sofa ESacuirtly “VA Compiniakion » Capital Gals + Housing as Parsonage sMortgage Credit@ertiicate fe.g., Pension, #tA) * Te ust « Other MOTE: Reveal daliniony, child support, separate maintenance, or othiér iicome ONLY IF you want it considered ii detenniniig pour qualification for this foavy.
income Source ~ use fistabove Monthiy Income.
$
$
§
Provide TOTAL Amount Here [|S
Section 2: Financial Information — Assets and Liabilities. this section asks.about things youown that
are worth money and that you want considered to qualify for this loan. lt thervasks about your liabilities (or debts} that you pay each month, such as-crecit-cards, alimony, or other expenses.
include all 2 accounts below. ‘Under Actcou ne Type, choose from the account types listed here:
+ Checking + Certiicate of Deposit + Stock Options + Uridge Loar Proceeds Trask Aconunl Sayings + Nita! Fund - Bonds. -individual Development + Cash Value of Life insurance «Money Market * Stocks +Retirementiexy, 6OTk RAD ‘Account fused forthe trersactiord Account Type - wee fist above Finandal Institution Account Number Cash or Market Value
$
$
$
Provide TOTAL Arsount Here | $
Sorrower Narmve:
Unifor Resilental Loan Apalication freddie Mae fan 69 Fannie Mae For 1083 Revised ORO Ne Eective B1/2078
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Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices 66935
_ 2b. Other Assets You Have - C) Does ast appiy include all other assets below. Under Asset Type, choose from the asset types listed here: + Larnesl Money +Proceeds om Real bstate Property - s Employer Assistance + trade bypaitly - Proceds from Sale.of tebesokion or beforeclosing RenbCredit . «Unsecured Dorowed Funds bho: Real Estate Asset + Sweat Equity «Sécied Bonowed hunks « Other Asset Type ~ use listabove Cash or Market Value $ Provide TOTAL Amount Here | $ 2c. Liabilities - Credit Cards, Other Debts, and Leases that You Owe C] Does netapply Listall Rabilities below (exceptreal estate) and include deferred payments, Under Account Type, choose fram the types listed here: + Revolving teas comet cards -installmentieg, car student, pavongiioans} Open 30-Dayibelercepaidmonthi) - Lease (not realestate «ir her Account Type - To. be paid offat use Het abowe Company Name Account Number Unpaid Balance or before ciosing.| Monthly Payment 5 im] 5 $ Cl $ $ oO 5 5 C] 5 5 C $ 2d, Other Liabilities and Expenses CI Does notapply include. all other liabilities and expenses below, Choose from the types listed here: “Minor Child Support Separate Mairitenance -JobReledExpenses — -Qther Monthly Paynent- $ $ $
Section 3: Financial Information — Real Estate. this section asks you to list all properties you currently own and what you owe-on them. [CU idenot ownany realestate
Ce sie, if you arerefinancing, list the property you are refinancing FIRST. Address Street Unit # City State “Zip For Investment Property Only . Monthly Insurance, Taxes, eT eT
Status: Soild, Pending | Assocation Dues, etc: Not | MonthlyRental | For LENDER to Calculate: Property Value Sale, or Retained included in Mortgage Payment | Income Net Monthly Rental lancome 3 $ 3
Mortgage Loans.on this Property (] Does not apply
Monthly Type: FHA, VA,
Mortgage fobepaidaffater|- Conventional, | Cradit Lienie Creditor Name Account Number Payment Unpaid Balance befoveciosing | USDA-RD, Other | (iPapplicable)
$ $ 0 $
3 $ | >
Sorrower Nan:
Unto Residential Loan Applicaton freddie MacPonn65 Fannie Mae Ror 100% Revived (2016 » Effective 01/2018
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Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices E] Dees net apply Address Street Unit = Cy Slate. Zip.
. For Investment Pi ty Onl Monthly Insurance, Taxes, OF TIVES Ten: Property WTty Status: Said, Pending Association Dues, etc. Not | MonthlyRental | For LENDER te Calculate
Property Value Sale, or Retained included in Mortgage Payment | Income Net Monthly Rental Income Mortgage Loans on this Property [] does notappiy
Monthly Type: FHA, VA,
Mortagage Tebepaidoffater| Conventional, | Credit Limit Creditor Name Account Number Payment Unpaid Balance = before casing =| USDA-RD, Other | (ifapplicable)
$ 3 2) 5
$ $ cE] 5
Section 4 Loan and Property Information. this section asksabout the loan’s purpose and the property you want to purchase or refinance.
i 4a. Loan and Property information
Loan Amount 5 Loan Purpose OpPurchase ORefinance Ovother Property Address “Street Unit + City State Zip County Number of Units 0 Property Value § Occupancy Oprimary Residence _OSeconi ome __Onvestrnent Property _ FHA Secontlary Residence 1. Mixed-Use Property. If youwill occupy the property, will you set aside space within the property to operate oe . yourown business? (e.g., daycare facility, medical office, beauty/barber shop) Ono Oves 2: Manufactured Home. Is the property a manufactured homer ie.g., a factory built dwellivig buidton-a permanent chdssial Ono Oves C1] Does not apply Loan Amount! Credit Linnit Crediter Name Lien Type Monthly Payment Amount tobe Drawn | (fapplicable) Ofirstlien OSubordinate Lien 13 $ 5 Cee eee ect tet ate tte! For Purchase Only (] Deesnotapply Complete ifthe property is aZ-4 Unit Primary Residence or an investment Property Arnvount Expected Monthhy:Rental income $ “4d. Gifts or Grants You Have Been Given or Will Receive forthisLoan [Merny 7a] include all gifts and grants below, Under Source, choose from the sources listed here: » Relative >» Employer ~Conmmundly Nonproalt: + State Agency Other + limanied Paine? » Religious Monpront ~ Federal Agency -lecal Agency Asset Type (Cash GHE Gift of Equity Grant} Source ~ use list above Cash-or Market Value Ooeposited Oot Deposited § Oipeposted Oat Deposited 5
Borrower Narne:
Uniforin Residential Loan Application Freddie Mac Pony 65+Fanme dae Porn TRE Revised OR20M .EMectlve 01/2078
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Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices 66937
Section 5: Declarations. This section asks you specific questions about the property, your funding, and your past
financial history.
A. Willyou occupy the property as your primary residence? Ono Oves BYES, Rave you had:an ownership interest in. another property in the last three years? Ono Oves
YES, complete O).and (2) below:
(i) Whattype of property did you own: primary residence (PR), FHA secondary residence (SR), second home (SH), of investment property (IP)?
(2) How did you hold title to the property: by yourself'$}, jointly with your spouse GP) or jointly with another person (0)
ifthis is a Purchase Transaction: Do-you have 3 family relationship or business affiliation with the seller of the property? Ono. Oves
C.. Are you borrowing any money forthis real estate transaction fe, moneyfor your closing costs or down paymen t)aor obtaining any money from another party, suchas the seller or realtor, that you have notdisclosed onthis loan application? | ONO Orves.
iF VES, what is the amount of this money? 5 D, 1 Nave youtor will you be applying for a tiortgage loan.on another property {not the property securing this loan) andr Ono OvEs ‘before closing.this transaction that is not.disclased.on this toan application? 2, Haveyou or willyou be applying for any new credit (e.g. installment loan, credit cara, etc.}on or before closing this loan Ono Oves thatis net disclosed on this application? £, Willthis property be subject to.a lien that could take priority over the first mortgage fien, such as.aclean energy lien paid Ono Oves
through your property taxes (.g, the Property Assessed Clean Energy Program)?
1 Sb About Your Finances
F. Are your co-signer dr gliatantor on aty debt of loan that is nat discosed.on this application? Ono Oves
(G, Are there any outstanding jbilgmentsiagainst you? Ono Oves
H. Areyou-currently delinquent orindefaulton.a federal debt? Ono. ves
1, Are you.a party toa lawsuit inwhich you potentially have any personal financial lability? Ono Oyves
J. Haveyou cofiveyed title te any property Ih Heli of foreclaslre 18 the past 7 years? Ono Oves
K, wit hinthe past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was:soldtoa Ono Oves third party and the Lender agreed to.accept less than-the outstanding mortgage balance dua?
Li Have you had property foreclosed upon inthe last 7 years? Onc Ores
M. Have you declared bankruptcy within the past 7 years? Ono Oves IPYES, iclentify thetypeis}of bankruptcy: [J Chapter? [Chapter 1] [[]) Chapter 12 [J Chapter 13
Borrower Name:
Gniform Residential Loan Agplication Freddie Miat Potten 6 Fannie Man Rory 13 Rewised OBR016 « Effective 07/2078
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Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices
Section G: Acknowledgments and Agreements. This section tellsyou about your legal obligations when
you sign this application.
lagree to, acknowledge, anc represent the following statements tor
«The Lender ithis includes the Lenders sqents, service providers and anyofthelr successorsand assigns} AND
+ Other Loan Participants (this includes any actual or potential owners ofa joan resulting from this application @he"Loan") or acquirers of any beneficial or other interest in the Loan, any mortgage insurer, quarantog any servicers of service providers of the Loan, and any of thelr successors and assigns).
Sy signing below,/ agree to, acknowledge, and represent the following statements about:
(3) The Coniplete Information for this Application
«The information | have provided in this application is true, accurate, ane complete as of the date | signed this application.
* ifthe infocnation | submitted changes orl have new information before-closingcof the Loan, Laust change and supplenvent this application of any real estate sales contract, including providing any updated/supplemented raal estate sales contract.
+For purchase transactions: The terms and conditions of any real estate sales contract signed by me in connection with this application are true, accurate, and complete to the best of my knowledge and belief I have not entered Into anyother agreement, written ororal, in.connection with this real estate transaction,
* The Lender ahd Other Loan Participants may tely on the information contained in the application before and after closing of the Loan.
Any intentional or negligent misreprasentation of information may result Inthe imposition of:
taj civil lability. on me, including monetary damages ifs person ‘suffers any loss because the person relied on aiy misrapresantation-that Uhavemace’on this application, and/or
ib) criminal penalties:on me inchuding, but not limited! to, fineor lnprisonmentor both uncerthe provisions of federal law
(1B US.C. $8 100T et seg.)
(2) The Property's Security
+The Loan Uhave applied for in this application will be secured bya mortgage ordeed of trustwhich provides the Lender 3 security interest in the property described in this-application.
Borrower Signature
{3) The Property's Appraisal, Value,and Condition:
+ Any appraisal or yalue of the property obtained by the Lencler is
for use by the Lenderand Other Loan Participants.
*The Lender and Other Loan Participants have net made any teptesentation-or warranty, express or implied, to me about the property, ts condition,.or its value,
(4) Electronic Records and Signatures
«The Lenderand Other Loan Participants may keep any paper recond and/or electronic record of this application, wheather or not the Loan is. approved,
+i this application is created as (or converted into) an “electronic application’, Lconsent to the use-of “slactronic records*and “electronic signatures’ as the termis are defined in and governed by applicable federal and/or-state electronic transactions laws:
*lintend tasign and have-signed this application either using my:
(a) Slectronic signature, or (b) a written signature arid agree that if
a paper version of this application is. converted Inte.an electrania application, the application will be an electronic: tecord, and the representation of my written signature on this apptication will be my binding electronic signature,
+ bagree that the application, if delivered-or transmitted to the Lender: or Other Loan Participants.as.ain electronic record with my electronic signature, will be as effective and enforceable as a paper application signed by me'in writing.
£5} Delinquency
“The Lender and Other Loan Participants may report information about my account to credit bureaus: Latepayments, missed payivients, or other defaults on my sécount may be reflected Wiiniy credit-report and will likely affeet my crelit scare,
if] Nave trouble making my payments | understand that | may contact.a HUD-approved housing counseling organization for advice about actions can take te meet uny mortgage obligations.
(6) Use and Sharing of Information
lunelerstand and acknowledge that the Lender anc Other boar Participants can obtain, use, and share the loan application, a consumer credit report and related documentation for purposes permitted by applicable laws,
Date renveayyy yy é f
Borrower Signature
Date imeovidinyy f Fa
Unilonn Residentiall.dun Application Frecidie Mac Born &5 + Fannie Moe Form 1008 Revised (R016 » Effective 012078
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Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices 66939
Section 7: Demographic Information. This section asks about your ethnicitysex, and race.
formation of Borrower :
The purpose of collecting this information isto help ensure that all applicants ate treated fairly and that the housing needs of communities and rieighborhoods are being fulfilled. For residential mortgage lending, federal law requires that we ask- applicants for their demographic ivhormation- dethnicity, sex, and race) Incorder to monitor our compliance with equal credit opportunity, fal housing, and home mortgane disclosure laws. You.are not required to provide this information, but are encouraged todo so. The law provides that we may not discriminate on the basis of this information, or on whether you choose ta provide it. However, if you choose not to provide the information and you have made this-application in person, federal regulations raquire us to note your ethnicity, sex, and race on the basis of yisual observation or surname. The law.aleo provides thar we may not discriminate an the basis ofaqe or marital ctatus information you provide in thie application. lnstructions: You may. select one.or more “Hispanic of Latina” origins and one of more designations for"Race’ f you clo not wish te provide gore or all of this information; select the applicable check box.
Ethniaty Race.
Cl Hispanic. or Lating ‘(Cl Améitcan Indian GF Alasks Native ~ Enter ame ofeivolied Cl mexican (Puerto rican CC) cuban or principal tribe: (] Other Hispanic or Latine = Enter origin: (CU Asian
ClaAsianindisn EU chinese [OD Filipine
Examples: Argentinean, Colombian, Dominican, Nicaraguar, Cis panete EJ Korean EC) Vietnamese
Salvadonan, Spaniard.ete: C1 Other Asian - Enterrace: CV Not Hi spanicor Latino Examples: Hmong, Laotian, Trai, Pakistani; Cambodian, ete,
. _. ae (7 Black or-african American
had | clo-not wish to: provide this informatian 7 a 7
EL do:rot wish to:provide this informatio 1 Native Hawaiian or Other Pacific Islancler
_ ‘Native Hawatian [J] Guamanian orChamorro [i] Samoan ‘Sex Other Pacific islander ~ Enter race:
Ch Female
o Male ; . ; ‘Examples: Fijian, Tongan, ete.
(1) do notwish to provide this information Cl white
Dido not wish to provide this information
plete by Financial Institution (for application taken in person):
Was the ethnicity of the Borrower collected on the basis.of visualobservation or sumamet Ono OvES Was the sexof the Borrower collected on the basis of visual observation or surname? Ono OvES Was the race of the Borrower collected on the basis of visual observation or surname? ONC OYES
The Demographic Information was provided through:
Crace-to-Pacednterview Unchides Electronic Media wi Video Comporiens} Litetephone in lnterview “Drexo orMail [emsltor triterriet
‘Section 8: Loan Originator Information.
Loan Griginator Organization Name
Acid ress
Loan Originator Organization MMUSR 1D8 State License 1D#
Loan Originator Name
Loan Originator MMLSR IDS State License ID#
Email Phone { }: ~ Signature Date (mmddyy): f f
Borrower Naree:
Unitoren Residential Loan Applicatiain Frodidia diac Forng8 - Fannie Mae Borin 2003 Revised Ro lh» Bfective D1/2078
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66940 Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices
TGeaunnieted by die bend erro: :
Pander Loan Dio, . un brat sal toan iy nition d
Uniform Residential Loan Application — Additional Borrower
Verify and complete the information on this application as directed by your Lender.
Section 1: Borrower Information. this section asks about your personal information and your income from employment and other sources, such as retirement, that you want considered ta Qualify for this loan,
4a. Personal Information |
Name First. Midgdle, Last, Suffix} Social Security Number > ~
jorinadividual Taxpayer identification Numberl
Alternate Names Listany names by which-you are known or.any names Date of Birth OU.S. Citizen under wich creditwas previously received (First, Middle, Last, Suffix} imidaryiy) 0 Permanent Resident Alien i i O Non-Permanent Resident Alien ©) | am applying for individual credit, List Name(s)-of Other Borrower(s} Applying for this Loan O) anv applying forjoint.credit. Total Numberof Borrowers: fFirst, Middle; Last; Suffix? Each Borrower intends to apply far joint-credit. Vourtnitielis: Marital Status Dependents (not listed by another Borrower) Contact Information OMarried Mumber oo. Horne PO do scssmmmman Qeearsted Ages CeliPhone fj .
nenantie “Shingle, Divdresd, Wielowied, Chul Union, Doniéstic Partnership, Registered Work PRONE Ln dn Ext. Reciprocal Beneficiary Relationship Ernail Current Address:
Strat Unit City State Zip Country How Long-at Curent Address?) Years _ Months fmonth) (QNo primary housing expense
ist Former Address Ci Does not apply
if at Current Address for LESS than 2 years,
Street Unite
City State Zip Country
How Long at FormerAcdress? oo Years: Months Oown ORert 6 gmonth} Oo: primary housing expense Malling Addvess ~ if differentfrom Current Address [I] Does not apply
Sthmet Unit &
chy State ‘Zip Country
Military Service — Dic you (or your deceased spouse) everserve, or are you currently serving, Inthe United States Armed Forces? (NGC YES MYES, check all that apply: currently serving on-active duty with projected expiration: date of servicayftour oP A CiCurrently retired, discharged, or separated from service Clonty panied of service was as.a non-activated member of the Reserve-or National Guard (CiSurviving spouse
ib. Current Employment/Self Employment and Income C] aes not apply
Employer of Business Name Phone (oo . — nnn Gross Monthly Income Address tase 5 cuennscoun Fimonith city State Zip Qyertime & fmonth Bonus % Jitionth Position or Title oes statement applies: COTTEEVRISS BOT a cnemmnmmnrenr Jmonth vipat: apenployed by a family mom, Start Oats ___ comme ineeyyy ; A property seller, teal stale agent, orother NuBb yr How long fi this line-of work? Years Months paity ts the transaction: Entkisinents 5, fvonih ‘ : Cither Sa cocctuanouianene fmvorith Citheck if you ave the Business: (1 have an owriership share ofiess than 25%. Monthly lricenie (6? Loss) OwnerorSelf-Employed Ol havean ownership shareof25%ormore. $ FOTAR 8 cccmunam Amonth
Unifoun Residential Loan Application = Additional Bortower hreidie Mac bonn6S > Fannie Mae horn 1003 Revised UR0 hi + Effective 07/2078
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Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices 66941
te. IF APPLICABLE, Complete Information for Additional Employment/Self Employment and ine me [1] Dees not apply
imployer or Business Name . Phone f= Gross Manthly Incame Address Base Sea ceuaenmaunmmaamy € UOTTLE City State Zip Overine § Pranth : Bonus & jrventh Position or Title Chee eee ESIIMISSION 5... csmmmmmnan thot } how ai diniphoyed By a fsindy men bey ae Start Date ! fromiyyyy) property seller, real estate-agentorether Military : , How long inthis line ofwork? Years. Months party to the transaction: Entifements 5 Jrrverith ; a ; Cither § yrmonth Cleheckit you are the Business Ol have an ownership share of less than 25%. Monthly Income (or Loss) TOTAL §. Jmonth
Ouiner or Self-Employed Ol have an ownership shareof25% armors, $
Employer or Business Name Cicheckit if you were the Previous Gross Monthly Address Business Owner Incarme ; or Self-Employed é City State Zip Position or Title Start Date. ? treareyyyy End Date i ioorvyyyy) Te. Income from Other Sources C] Does not apply in Chadte income from other sources below, Under Income Source, choose from the sources listed here: i » Child Supypieert Tinteéstand Dividends Mortgage Differential Royalty Paynierts Line esp kaye nit * Disability » Notes Receivable Payments Separate Maintenance Beneirts co “Foster Care «Public Assistance + Rotineme nt » Social Seen thy coo WANS energy Sankt Capital Gals » Housing or Parsenage Mortgage CreditCertiicate fe, Pension, Wt) » Teast other
NOTE: Reved!-alimony, child support, separate maintenance, or other. income ONLY IF you want itconsidered in determining your qualification
for this loan.
income Source ~ use fist above Honthly Income § Provide TOTAL Amount Here 5
Section 2: Financial Information — Assets and Liabilities.
iy information for Section 21s listed on the Uniform Residential Loan Application with
Gngert name of Borrener)
Section 3: Financial information — Real Estate. My information for Section 3.15 listed.an the Uniform Residential Loan Application with
Unser name of Borrower)
Section 4: Loan and Property Information.
Ny information for Section 41s listed on the Uniform Residential Loan Application with
Ginsorl name of Bornawiti)
Borrower Narne:
Uoniionn Residential loan Application — Additonal Borrower Freckle Mec Fosn64 « Fannie Moe born 1003
Reve DQG ~ Effects OT/2079
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66942 Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices
Section 5: Declarations. This section asks you specific questions about the property, your funding, and your past financial history,
A. Will you cecupy the property as your primary residence? Gao: OYE HYVES, have you hac an ownership interest inanother property inthe last three years? Owo pres IFYES, complete (]).and (2) below:
(What typeof property did you own: primary residence (PR), FHA secondary residence (SR), second home (Sh), or investment property PP
(2) How did you held title to the property: by yourselfiS), jointly with your spouse GP), or jointly with another person (0)
B.. tithis is a Purchase Transaction: Do you have a family relationship or business aMilation with the seller of the property? Ono: Orves
C.. Are you borrowing any: money for this real estate transaction leg, money for your closing coasts or down payment bor obtaining any money from-another party, suchas the seller or realtor that you have not disclosed on this loan-application? Omo Oves
H YES; what is the amount of this money? & ©, 1. Have you orwill you be applying fora mortgage losin on another property {not the property securing this loan} anor: Gyo CES before closing this transaction that isnot disclased.on this loan application? 2. Have you or will you be applying forany new:-credit le.g,, installmentioagn, creditcard, ete.) omar before closing this loan Ono: Oves
thatisnotdisclosed on this application?
E. Will this property be subject toa lien that could take priority-overthe first mortgage lien, such as a clean energy-tien paid Ono: Oves through:your property taxes (e.g, the Property Assessed Clean Eneray Program)? ;
F. Ane youa co-signer or guarantor on any debt or loan that is not disclosed on this application? Oyo Oves
‘G, Abe there ahy outstanding judgments against your Ono Oves
H. Are you-currantly delinquent.orin default.on.a federal: debt? CONG. CPEs
iL. Are you.a party: toa Jawsuft in which you potentially have any personal financial lability? Ono OES
ds Have you conveyed title to any property in lieu of foreclosure inthe past 7 years? qa: Orves
K. Within.the past 7 years, have youcompleted 4 pre-foreclosure sale or short sale, whereby the property was sold toa Ono Oves third party and the Lencderagreed:to accept less than the outstanding mortgage balance due?
L. Have you had property foreclosed-upan inthe last 7-year? yc CVvES
M, Have you declared bankruptcy within the past 7 years? Ono Oves VES, identify the-ty pels) of bankruptcy: Ci chapte? ED] chapterti (i) Chapteri2 [chapter 13
Section 6: Acknowledgements and Agreements.
iy signature for Section 6 ison the Uniform Residential Loan Application with . Gnsertnemeotorewe
Sorrower Name:
Unilorm Residerdial Loan Application -— Additional Ronower Freckle Mec Form64 « Fannie wae born 1003
Revel DROHG + Effective 01/2019
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Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices 66943
Section 7: Demographic Information. This section asks about your ethnicity: sex, and race.
‘Demographic Information of Borrower = |
The purpose of collecting this information (¢ to help ensure that all applicants are treated fairly and thatthe housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, federal law requires that we ask applicants for their demograpiric information (ethnicity, sex-and race} inorder te monitor our compliance with equal credit opportunity, tar hawsing, and hamecmortgage _ disclosure! AWS. You are rot * eciuired to provide this Information, but are encourage todoso. The law provides that we ray net discriminate
made this application in person, fecleral regulations: require uste: note your ethnicity, sex, andr raceon the basis of visual prensies jon OF Surname: The law-.aleo-provides that we may net discriminate on the basis of age or marital atatus information you provide in thisapplication, lasteaiclions: You may select one or more “Hispanic or Latine” origins and one or more cesignations for"Race. hyau de nel with 1 proviclée some or all of this information, select the applicable check box.
Ethnicity Race
CI Hispanic or Latine EE] American indian Ge Alaska Native ~ Enter name ofenioled Cl. meviesn (Cl) puerte piesa CP cuban orprincipal tribe: ["] Other Hispanic or Latino ~ Enter origin: EY Asian
Clasianindian Ca Chinese CO Filipino Examples: Argentinean, Colombian, Dominican, Nicaraguan, = Japanese C Korean C) Vietnamese Salvadoran, Spaniard, ete: Other. Asian = Enter sace: Exanipies: Hmong, Laotian, Thal, Pakistani; Cambodian, etc, [EC] Black Sr Aftican American £2) Native Hawaiian or Other Pacific Islander Native Hawaiian a GSuamanian or Chamorro oO Samoan
CT Not Hispanic-or Latina CEI do.nat wish-to provide this information
Oo ‘arnale Other Pacific (slander ~ Enter race: 5 Male a fide this inf , Examples: Fijian, Tongan, etc, ido notwish te provide this information Cl white
E} tl do-netwish to provide this information
all stitution {for application taken ln person):
Wasthe ethnicity of the Borrower collected on the basis of visual observation or surname? QNo Oves Wasthe sex.of the Borrower collected onthe basis. of. visual observation or surname? Ono Ores Was-the race-of the Borrower collected on: the. basis of visual observation orsurname? ONO CpvES
The Demographic Information was provided through: -
Cirace-to-ace Interview linchides Electron Media wy Video Component} Ciictephionies Interview Oo Fave or “Mail Ed eimaiter trterriet
Section 8: Loan Originator Inf
¢ Loan gh areata poe
. LoanQriginator Organization Name:
. Address
: Loan Originator Organization. MMLSR ID& State License ID#
. Loan Originator Name
= Loan Originator NMUSR IDS: State License IDS
» Ermall Phone { } ~ Signature Date (anvdd yyy) ff ?
Borrower Name:
Union Besiteniial Loan Application — Additional Borrower Prodi Mac FonnG5 . Panriie Mae Form 1005
Revised GRD Dh.» Effective 07/2018
Page 15
66944 Federal Register / Vol. 81, No. 189 / Thursday, September 29, 2016 / Notices VerDate Sep<11>2014 18:51 Sep 28, 2016 Jkt 238001 PO 00000 Frm 00026 Fmt 4703 Sfmt 4725 E:\FR\FM\29SEN1.SGM 29SEN1 EN29SE16.016</GPH> mstockstill on DSK3G9T082PROD with NOTICES If you selectoed "llnmafrioed"in ~ionl, is tho;;e legal ipouoe? 0 NO
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Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices 66945
Tobe completed by Ue Lender: ne : Soe eee Pender) Garcho (Unive sel Laan ideatfier Somers oe AO Oe NE
Uniform Residential Loan App derLoaninformation _
_ This section is cornpleted by your Lender.
‘Com munity Propoerty State. Refinance Type Refinance Program
~ Dat least one borrower lives in a community propertystate, © Ne Cash Out © Full Documentation Ciihe property is in.a community property state, © Limited Cash Out © interest Rate Reduction
: Trahaction Detail © cash Out © Streamlined without Appraigal
. EE) Conversion of Contract for Deed or Land Contract O other
- DD Renovation _— .
Ell Construction-Conversion/Construct ion-to-Permanent Energy Improvement
OSingleClosing Otwo-Closing Dimortaage loan will finance eneray-related improvements.
Construction/AAmpravement Costs $ Ci Property is currently subject to a Hen that could take priority aver the © kot Acquired Date ; timmy) first mortgage lien, suchas a clean energy ten paid for through Original Costiof Lot § : property taxes (e.g, the Property Assessed Clean Energy program),
Project Type: CG Condominium Cicooperative ()Planned Unit Development.(PUD) ClProperty is not located! in.a project
U2 Tathe Information
Title to the Property Will be Held in What Name(s): For Refiviance: Title tothe Property Is Curvently Hale in What Nainels)
Estate Will be Held in Trust Information © Fee Simple O Title Wil be Held by an Inter Vives (Living) Trust
O) Leasehold: Expiration Date: i imma © Title Will be Held bya Land Trust
Manner in Which Tide Will be Held indian Country Land Tenure
O Sole Ownership QO Joint Tenancy with Right of Survivorship | Fee Sitiple (On a Reservation)
O Life Estate Otenancy by the Entirety © individual Trust Land (AHotted Restricted) OTenancyin Common: © Other © Tribal Trust Lari (Oni a Reservation
© Tribal Trust Land (Of Reservation} © Alaska Native Corporation Lane
. Mortgage Loan Informati
Mortgage Type Applied For Terms of Loan Mortgage Lien Type - Oconventional QusDA-RO Note Rate C OFirst Lien -OrnA OVA Oother LoanTerm imonths) OD Subordinate tien Amortization Type Proposed Monthly Payment for Property Bred hate nat O other (explain: First Mortgage (F &) 5 : ! ustanie nae Subordinate LienishiP Sp 5 if Adjustable Rate: 4 v1 § initial Period Prior to First Acljustment {months} OME OWNENS INSUFANCE , Subsequent Adjustment Period os eroniths) Supplemental Property Insurance S. Loan Features Property Taxes S | Ci batloon / Balloon Term (months) Mortgage insurance $ Cinterest Only / interest Only Term {months} Agsocietion/Project Dues Conde,Co-op PUD) _ C1 Negative Amortization .
_ DlPrepayment Penalty? Prepayment Penalty Term iments) Other 8 | [temporary interest Rate Buydown / Initial Buydown Rate____% | TOTAL | Clothe expioing
Borrower Name(s Under Residestis! Loan Application — Lende Loan iformation breddie. Mac Form.65°+ Fannie Mae Form TOUS
Revited O22016 - Effectlye 07/2018
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66946 Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices
_LA. Qualifying the Borrower ~ Minimum Required Funds or Cash Eack DUE FROM BORROWERS?
A. Sales Contract Price
B.. lmprovernents, Renovations,.and Repairs
C. Land, (f acquired separately)
Ate
D. For Refinance: Balance of Mortgage Losns on the Property to be paic off in the Transaction (ee fale aa. Property You Gan)
E. Credit Cards and Other Debts Paid Off iSee Table te Liebiiues — Credit Cards Olher Debts, and leases het You Cael
BR Borrower Closing Costs (including Prepaid and Initial Escrow Payments}
G,. Discount Paints H. TOTAL DUE FROM BORROWER(s) (Total of A thru G)} TOTAL MORTGAGE LOANS
L Loan Amount Loan Amount Excluding Financed Moftgage Insurance tor Mortgage Insurance Equivalent} S Financed Mortgage Insurance (or Mortgage Insurance Equivalent} Amount $ $
aA i bare Lae | Lee
4. Other New Mortgage Loans on the Property the Borrower(s) is Buying or Refinancing ‘ (See Table th. Other New Mortgage Laans ot the Property You ane Buying or Refinancing)
K. TOTAL MORTGAGE LOANS (Total of laid J} 5 OTAL CREDITS L. Seller Credits M, Other Credits NM. TOTAL CREDITS (Total of Land M) % ALCULATION TOTAL DUE FROM BORROWER(Ss). (Line 4} 8 LESS TOTAL- MORTGAGE LOANS (Line KLAND TOTAL CREDITS {Line N)} a
Cash From/To the Borrower (Line H minus Line K and Line N) NOTE: This aniount does not include reserves or other funds that may be required by the Lerider tobe verified. S
_ LS. Homeownership Education and Housing Counseling
Housing counseling and homeownership education programs are offered by independent third parties to help the Borrower understand thé rights ancl responsibilities of homeownership. Ajistof HUD-approved housing counseling agencies can be foubd at wenw hud, gov or wwwconsumerfinance. gov.
Has the Borrower(s) completed homeownership education (group or web-based classes) within the last 12 months? (INO OYES | WYES: () Whatformat wasitine (Checkthe mastrecent) (Q)Attenced Workshop in Person (ChCompleted Web-Based Workshop iD) Whe provided it:
ita HUD-anproved agency, provide Housing Counseling Agency D4 ifnot a HUD-approved agency, or unsure of HUD approval, provide name of Housing Counseling Agency. G) Date of Completion crmnvyyyy Borrower Name
Has the Borrower(s) completed housing counséling (eustomized counsdlor-to-<cHent services) within the last 12 months? QQNO Ove | MVYES: (1) What format wasit in: (Check the mostiecenty) Qraceto-Face OpTelephone ‘Qlinternet (2) Who provided it fa HUD-approved agency, provide Housing Counseling Agency 1D 8 if hét Ss HUD-approved agency or Unsure of HUD approval, provide name of Housing Counseling Agency (3) Date of Completion a iimAyyy Borrower
ver Name
Borrower Mamas):
Uniform Residential Loan Application — Lender Loan information Frocdche Mac bonmrbS » Pantie Mae Forte 1003 Revised ORI » Effective 01/2078
Page 18
‘Uniform Residential Loan Application — Continuation Sheet
eet i) Use this continuation sheet if you need more space to cormplete the Uniform Residential Loan Application,
Borrower Name (First, Middle, Last, Suffix)
Additional Information
Additional Borrower Marne (First: Middle, Last, Suffix)
Additional Information
We fully understand that it isa fecieral crime-punishable by fine or imprisonment, of both, to knowingly make any faise Statements concerning ary of the above facts.os applicable urider the provisions of federal law 11S-U.S.C. $$ 1001 etseg.),
Borrower Signature Date fmtdjayy ? i
Borrower Signature Date immatdtyyit i 7
Uniform Hegidentiot boan Application. Continuation Sheet Preddie Machonn i’ + Panne Mae darn 1003 Revie OBO TD » Bmective O1/20T8
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66948 Federal Register/Vol. 81, No. 189/Thursday, September 29, 2016/ Notices
Demographic information Addendum. this section asks about your ethnicity, sex, and race.
The purpose of Kcohectivig this information [5 to help ensure that ail applicants are treated fairly and that the housing needs of communities and rieighbarhoods are being fulfilled. For residential mortgage lending, federal law requires that we ask applicantsfortheir demographic information: fethnicity, sex, are racel in order to monitor our compllance with equal credit opportunity, fal Housing, and home rnortgage disclosure laws. You are not required.to provide this information, bul are encouraged toxlose: The law provides that we may not discriminate onthe basis ofthis information, or onwhether you choase-te provide it. However, if you choose not to provide the information and you have made this. application: in person, federal regulations require us to note your ethnicity, sex, and: face on the basis of visual observation or surname The law also provides that wemay not discriminate on the basis of age or marital status.information you provide in thisapplication, instructions: You may selectone or niore “Hispanic or Latino” origins and one or more designations for"Race. f you de not wish to provide
some or all.of this information, select the applicable chack box.
Ethnicity
Cl Hispanié or Latin Chamevican (CT Puerto rican. Co) cuban C2] Other Hispanic or Latino = Enter origin:
Examples: Argentinean, Colombian, Dominican, Nicaraguan, Salvedionan, Spaniard, ete:
Fl Not Hispanic: or Latino
[1 do. nat wish to:provide this information
Sex
ClFemale
C] Mate
[21 do not wish te provide this information
Race Q Amarican indian of Alaska Mative ~ Enter name ofennalhed or principal tribe:
Asian Casiantrcion chinese Filipina Cia panese CI Korean C1 Vietnamese Other Asian Enterrace:
‘Examples: Hmong, Laction, Trai, Pakistani, Cambodian, ete, im] Black or African American (7 Native Hawaiian or Other Pacific islander Ci Native Hawaiian EE] Guameanian orthariora Ci samoan Other Pacific lander ~ Enter race:
Examples: Fijian, Tongaryete, Ci white [do not wish to provide this information
Was the ethnicity oft he Borrower srcollected onthe basis of visual observation orsurmame? ONO OYES
Was the sex of the Borrower collectecon the basis of visual observation or surname? Was the race of the: Borrower collected on the basis of visual observation or surname?
Ono Oves:
Qnwo Oves
“Nhe Demographic Information was provided through: -
(Clrace-to-Pace interview (inchides Blectronic Media wi Video Component) Otte tephonélaterview [I faxor Mad Deniaibor titeret
Sorrower Name:
Uniform Residential Loan Application Fredche Mac Pore 65 « Fannie Mae born 1003 Revied (BR 20T6 > ENedive 01/2078
Page 20
66949 Federal Register / Vol. 81, No. 189 / Thursday, September 29, 2016 / Notices Dated: September 23, 2016. David Silberman, Associate Director, Division of Research, Markets, and Regulations, Bureau of Consumer Financial Protection. [FR Doc. 2016–23555 Filed 9–28–16; 8:45 am] BILLING CODE 4810–AM–C CORPORATION FOR NATIONAL AND COMMUNITY SERVICE Information Collection; Submission for OMB Review, Comment Request AGENCY: Corporation for National and Community Service.
ACTION: Notice.
SUMMARY: The Corporation for National and Community Service (CNCS) has submitted a public information collection request (ICR) entitled the AmeriCorps NCCC Medical and Mental Health Information Form for review and approval in accordance with the Paperwork Reduction Act of 1995, Public Law 104–13, (44 U.S.C. Chapter 35). Copies of this ICR, with applicable supporting documentation, may be obtained by calling the Corporation for National and Community Service, Tara Lind-Zajac, at 202–606–6702 or email to [email protected]. Individuals who use a telecommunications device for the deaf (TTY–TDD) may call 1–800–833– 3722 between 8:00 a.m. and 8:00 p.m. Eastern Time, Monday through Friday. DATES: Comments may be submitted, identified by the title of the information collection activity, within October 31, 2016.
ADDRESSES: Comments may be submitted, identified by the title of the information collection activity, to the Office of Information and Regulatory Affairs, Attn: Ms. Sharon Mar, OMB Desk Officer for the Corporation for National and Community Service, by any of the following two methods within 30 days from the date of publication in the Federal Register: (1) By fax to: 202–395–6974, Attention: Ms. Sharon Mar, OMB Desk Officer for the Corporation for National and Community Service; or (2) By email to: [email protected]. SUPPLEMENTARY INFORMATION: The OMB is particularly interested in comments which:
• Evaluate whether the proposed collection of information is necessary for the proper performance of the functions of CNCS, including whether the information will have practical utility;
• Evaluate the accuracy of the agency’s estimate of the burden of the proposed collection of information, including the validity of the methodology and assumptions used; • Propose ways to enhance the quality, utility, and clarity of the information to be collected; and • Propose ways to minimize the burden of the collection of information on those who are to respond, including through the use of appropriate automated, electronic, mechanical, or other technological collection techniques or other forms of information technology.
Comments A 60-day Notice requesting public comment was published in the Federal Register on Wednesday, May 18, 2016, at 81 FR 31227. This comment period ended July 18, 2016. No public comments were received from this Notice.
Description: The AmeriCorps NCCC Medical and Mental Health Information Form will be used to assess whether an individual has the physical and mental capacity required to perform the essential functions of the AmeriCorps NCCC member position, with or without reasonable accommodation, for which he or she is otherwise eligible. Type of Review: New.
Agency: Corporation for National and Community Service.
Title: AmeriCorps NCCC Medical and Mental Health Information Form. OMB Number: New.
Agency Number: None.
Affected Public: Applicants to AmeriCorps NCCC.
Total Respondents: Approximately 8,500 per year.
Frequency: Once per completed NCCC application.
Average Time per Response: Averages 15 minutes.
Estimated Total Burden Hours: 2,125 hours.
Total Burden Cost (capital/startup): None.
Total Burden Cost (operating/ maintenance): None.
Charles Davenport, Director of Recruitment, Selection, and Placement.
[FR Doc. 2016–23487 Filed 9–28–16; 8:45 am] BILLING CODE 6050–28–P CORPORATION FOR NATIONAL AND COMMUNITY SERVICE Sunshine Act Notice The Board of Directors of the Corporation for National and Community Service gives notice of the following meeting:
DATE AND TIME: Monday, October 3, 2016, 3:00 p.m.–4:30 p.m. (ET). PLACE: Corporation for National and Community Service, 250 E Street SW., Suite 4026, Washington, DC 20525 (Please go to the first floor lobby reception area for escort). CALL-IN INFORMATION: This meeting is available to the public through the following toll-free call-in number: 888– 847–7598 conference call access code number 7964995. Any interested member of the public may call this number and listen to the meeting. Callers can expect to incur charges for calls they initiate over wireless lines, and CNCS will not refund any incurred charges. Callers will incur no charge for calls they initiate over land-line connections to the toll-free telephone number. Replays are generally available one hour after a call ends. The toll-free phone number for the replay is 866– 367–6912. TTY: 800–833–3722. The end replay date is November 3, 2016 at 10:59 p.m. (CT).
STATUS: Open.
MATTERS TO BE CONSIDERED: I. Chair’s Welcome and Call the Meeting to Order II. CEO’s Welcome and Report III. National Service Programs Report IV. Office of External Affairs Report V. Public Comments VI. Chair Adjourns Meeting Members of the public who would like to comment on the business of the Board must do so in writing or in person. Individuals may submit written comments to [email protected] subject line: OCTOBER 2016 CNCS BOARD MEETING by 3:00 p.m. (ET) on September 29, 2016. Individuals attending the meeting in person who would like to comment will be asked to sign-in upon arrival. Comments are requested to be limited to 2 minutes. REASONABLE ACCOMMODATIONS: The Corporation for National and Community Service provides reasonable accommodations to individuals with disabilities where appropriate. Anyone who needs an interpreter or other accommodation should notify David Premo at [email protected] or 202–606– 6717 by 3 p.m. (ET) on September 29, 2016.
CONTACT PERSON FOR MORE INFORMATION: Dave Premo, Program Support Specialist, Corporation for National and Community Service, 250 E Street SW., Washington, DC 20525. Phone: 202– 606–6717. Fax: 202–606–3460. TTY: 800–833–3722. Email: [email protected]. VerDate Sep<11>2014 18:51 Sep 28, 2016 Jkt 238001 PO 00000 Frm 00031 Fmt 4703 Sfmt 4703 E:\FR\FM\29SEN1.SGM 29SEN1 mstockstill on DSK3G9T082PROD with NOTICES