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TREAS/OCC RIN: 1557-AD84 Publication ID: Fall 2014 
Title: ●Loans in Areas Having Special Flood Hazards (Homeowner Flood Insurance Affordability Act of 2014) 
Abstract:

The OCC, FRB, FDIC, FCA, and NCUA have issued a proposed rule to amend their regulations regarding loans in areas having special flood hazards to implement certain provisions of the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) which amends some of the changes to the Flood Disaster Protection Act of 1973 mandated by Biggert-Waters. The proposal would establish requirements with respect to the escrow of flood insurance payments consistent with the changes set forth in HFIAA. The proposal also would implement an exclusion in HFIAA for certain detached structures from the mandatory flood insurance purchase requirement.

 
Agency: Department of the Treasury(TREAS)  Priority: Substantive, Nonsignificant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: Undetermined  Unfunded Mandates: No 
CFR Citation: 12 CFR 22   
Legal Authority: 12 USC 93a    42 USC 4012a    42 USC 4104a    42 USC 4104b    42 USC 4106    42 USC 4128    PL 112-141, 126 Stat 916    PL 113-89    128 Stat 1020   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  10/03/2014  79 FR 64518   
NPRM Comment Period End  12/29/2014 
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Related RINs: Split from 1557-AD67 
Agency Contact:
Heidi M. Thomas
Senior Counsel
Department of the Treasury
Comptroller of the Currency
Chief Counsel's Office, 400 7th Street SW.,
Washington, DC 20219
Phone:202 649-5490
Email: heidi.thomas@occ.treas.gov