<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-04-04-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>1557-AD67</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>201804</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>1557</CODE>
            <NAME>Comptroller of the Currency</NAME>
            <ACRONYM>OCC</ACRONYM>
        </AGENCY>
        <PARENT_AGENCY>
            <CODE>1500</CODE>
            <NAME>Department of the Treasury</NAME>
            <ACRONYM>TREAS</ACRONYM>
        </PARENT_AGENCY>
        <RULE_TITLE>Loans in Areas Having Special Flood Hazards--Private Flood Insurance</RULE_TITLE>
        <ABSTRACT><![CDATA[<!DOCTYPE html>
<html>
<head>
</head>
<body>
<p>The OCC, FRB, FDIC, FCA, and NCUA plan to issue a final rule to amend their regulations regarding loans in areas having special flood hazards to implement the private flood insurance provisions of the Biggert-Waters Flood Insurance Reform Act of 2012.</p>
</body>
</html>]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Final Rule Stage</RULE_STAGE>
        <MAJOR>Undetermined</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <EO_13771_DESIGNATION>Independent agency</EO_13771_DESIGNATION>
        <CFR_LIST>
            <CFR>12 CFR 22</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 U.S.C. 93a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1462a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1463</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1464</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 5412(b)(2)(B)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>42 U.S.C. 4012a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>42 U.S.C. 4104a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>42 U.S.C. 4104b</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>42 U.S.C. 4106</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>42 U.S.C. 4128</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>10/30/2013</TTBL_DATE>
                <FR_CITATION>78 FR 65108</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>12/30/2013</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Second NPRM</TTBL_ACTION>
                <TTBL_DATE>11/07/2016</TTBL_DATE>
                <FR_CITATION>81 FR 78063</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Second NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>01/06/2017</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Rule</TTBL_ACTION>
                <TTBL_DATE>10/00/2018</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <ADDITIONAL_INFO>The URLs listed below relate to the 2016 NPRM.

For more information about the 2013 NPRM:  https://www.regulations.gov/docket?D=OCC-2013-0015

For public comments on the 2013 NPRM:  https://www.regulations.gov/docket?D=OCC-2013-0015</ADDITIONAL_INFO>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <ENERGY_AFFECTED>No</ENERGY_AFFECTED>
        <FURTHER_INFO_URL>www.regulations.gov/docket?D=OCC-2016-0005</FURTHER_INFO_URL>
        <PUBLIC_COMMENT_URL>www.regulations.gov/docket?D=OCC-2016-0005</PUBLIC_COMMENT_URL>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <RELATED_RIN_LIST>
            <RELATED_RIN>
                <RIN>1557-AD84</RIN>
                <RIN_RELATION>Related to</RIN_RELATION>
            </RELATED_RIN>
        </RELATED_RIN_LIST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Heidi</FIRST_NAME>
                <LAST_NAME>Thomas</LAST_NAME>
                <MIDDLE_NAME>M.</MIDDLE_NAME>
                <TITLE>Senior Counsel</TITLE>
                <AGENCY>
                    <CODE>1557</CODE>
                    <NAME>Comptroller of the Currency</NAME>
                    <ACRONYM>OCC</ACRONYM>
                </AGENCY>
                <PHONE>202 649-5490</PHONE>
                <EMAIL>heidi.thomas@occ.treas.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>Chief Counsel&apos;s Office, 400 7th Street SW,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20219</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
            <CONTACT>
                <FIRST_NAME>Melissa</FIRST_NAME>
                <LAST_NAME>Lisenbee</LAST_NAME>
                <TITLE>Counsel</TITLE>
                <AGENCY>
                    <CODE>1557</CODE>
                    <NAME>Comptroller of the Currency</NAME>
                    <ACRONYM>OCC</ACRONYM>
                </AGENCY>
                <PHONE>202 649-7392</PHONE>
                <EMAIL>melissa.lisenbee@occ.treas.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>Chief Counsel&apos;s Office, 400 7th Street SW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20219</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
