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Code · REGISTER · 2023-01-03 · PROPOSED RULES · Agricultural Marketing Agricultural Marketing Service PROPOSED RULES Kiwifruit Grown in California: Increased Assessment Rate, 16-18 2022-28369 Marketing Order Regulating the Handling of Spearmint Oil · Unknown

Unknown. Final rule

3,365 words·~15 min read·/register/2023/01/03/2022-28442

A research copy — for the controlling text, always check the official state or federal source. Not legal advice.

--- schema: federal-register doc_type: fedreg source_file: FR-2023-01-03.xml --- 88 1 Tuesday, January 3, 2023 Contents Agricultural Marketing Agricultural Marketing Service PROPOSED RULES Kiwifruit Grown in California: Increased Assessment Rate, 16-18 2022-28369 Marketing Order Regulating the Handling of Spearmint Oil Produced in the Far West: Salable Quantities and Allotment Percentages for the 2023-2024 Marketing Year, 18-25 2022-28391 Agriculture Agriculture Department See Agricultural Marketing Service See Animal and Plant Health Inspection Service Animal Animal and Plant Health Inspection Service NOTICES Environmental Assessments;
Availability, etc.: Release of Ganaspis brasiliensis for Biological Control of Spotted-wing Drosophila in the Contiguous United States, 44 2022-28530 Consumer Financial Protection Bureau of Consumer Financial Protection RULES Civil Monetary Penalty Inflation Adjustment, 1-3 2022-28442 Coast Guard Coast Guard PROPOSED RULES Safety Zones: Potomac River, Between Charles County, MD and King George County, VA, 35-38 2022-28497 NOTICES Meetings: National Boating Safety Advisory Committee, 85-86 2022-28500 Port Access Route Study:
Approaches to Maine, New Hampshire, and Massachusetts, 83-85 2022-28482 Commerce Commerce Department See Foreign-Trade Zones Board See International Trade Administration See National Oceanic and Atmospheric Administration RULES Civil Monetary Penalty Inflation Adjustment, 3-6 2022-28363 Education Department Education Department NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: National Evaluation of Career and Technical Education under Perkins V, 66-67 2022-28527 School Pulse Panel 2023-24 Preliminary Field Activities, 67-68 2022-28516 Energy Department Energy Department See Federal Energy Regulatory Commission NOTICES Agency Information Collection Activities;
Proposals, Submissions, and Approvals, 68-69 2022-28498 Meetings: Environmental Management Site-Specific Advisory Board, Hanford, 69-70 2022-28502 Environmental Management Site-Specific Advisory Board, Nevada, 68 2022-28503 President's Council of Advisors on Science and Technology, 70 2022-28525 Environmental Protection Environmental Protection Agency PROPOSED RULES Pesticide Petition: Residues of Pesticide Chemicals in or on Various Commodities November 2022, 38-41 2022-28524 Significant New Use Rules:
Certain Chemical Substances (22-1.5e), 41-42 2022-28468 NOTICES Biofuels and the Environment: Third Triennial Report to Congress External Review Draft, 72-74 2022-27939 Pesticide Product Registration: Applications for New Uses, November 2022, 71-72 2022-28528 Export Import Export-Import Bank NOTICES Intent to Conduct a Detailed Economic Impact Analysis, 74 2022-28495 Federal Aviation Federal Aviation Administration PROPOSED RULES Airman Certification Standards and Practical Test Standards for Airmen;
Incorporation by Reference, 34-35 2022-28378 Federal Communications Federal Communications Commission RULES Television Broadcasting Services: Chicago, IL, 10-11 2022-28333 PROPOSED RULES Television Broadcasting Services: Odessa, TX, 42-43 2022-28352 NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 74-75 2022-28491 Federal Emergency Federal Emergency Management Agency NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals:
Floodplain Administrator National Training Assessment, 86-87 2022-28513 Region II Community and Faith-Based Organizations Needs/Capabilities and Continuity Program Survey, 87-88 2022-28514 Federal Energy Federal Energy Regulatory Commission NOTICES Combined Filings, 70-71 2022-28511 Federal Trade Federal Trade Commission PROPOSED RULES Ophthalmic Practice Rules (Eyeglass Rule), 248-287 2022-27828 Food and Drug Food and Drug Administration RULES Medical Devices: Gastroenterology-Urology Devices;
Classification of the Gastrointestinal Lesion Software Detection System, 8-10 2022-28494 Uniform Compliance Date for Food Labeling Regulations, 6-8 2022-27902 NOTICES Emergency Use Authorization: In Vitro Diagnostic Devices for Detection and/or Diagnosis of COVID-19; Revocation, 75-79 2022-28496 Foreign Trade Foreign-Trade Zones Board NOTICES Application for Subzone Expansion: Swagelok Co.; Foreign-Trade Zone 40; Cleveland, OH, 44-45 2022-28534 Approval of Subzone Status: voestalpine High Performance Metals, LLC, South Boston, VA, 45 2022-28533 Geological Geological Survey NOTICES Agency Information Collection Activities;
Proposals, Submissions, and Approvals: Angler Participation Study, 106-107 2022-28490 Government Accountability Government Accountability Office NOTICES Requests for Nominations: Medicaid and CHIP Payment and Access Commission, 75 2022-27887 Health and Human Health and Human Services Department See Food and Drug Administration See National Institutes of Health See Substance Abuse and Mental Health Services Administration NOTICES Meetings: 2025 Dietary Guidelines Advisory Committee, 79-80 2022-28510 Homeland Homeland Security Department See Coast Guard See Federal Emergency Management Agency See U.S.
Citizenship and Immigration Services See U.S. Immigration and Customs Enforcement Housing Housing and Urban Development Department NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Housing Opportunity Through Modernization Act: Public Housing Waiting List Data Collection Tool, 104-105 2022-28489 Inspector Candidate Assessment Questionnaire, 105-106 2022-28488 Public Housing Reform Act: Changes to Admission and Occupancy Requirements, 103-104 2022-28507 Interior Interior Department See Geological Survey International Trade Adm International Trade Administration NOTICES Antidumping or Countervailing Duty Investigations, Orders, or Reviews, 50-56 2022-28518 Antidumping or Countervailing Duty Investigations, Orders, or Reviews:
Advance Notification of Sunset Review, 63 2022-28520 Brass Sheet and Strip from France, Germany, Italy, and Japan, 56-58 2022-28475 Certain Frozen Warmwater Shrimp from the Socialist Republic of Vietnam, 58-61 2022-28521 Opportunity to Request Administrative Review and Join Annual Inquiry Service List, 45-49 2022-28519 Polyethylene Terephthalate Film, Sheet, and Strip from India, 45 2022-28476 Tapered Roller Bearings and Parts Thereof, Finished and Unfinished, from the People's Republic of China, 49-50 2022-28531 Uranium from the Russian Federation, 61-63 2022-28532 Initiation of Five-Year (Sunset) Reviews, 63-65 2022-28522 International Trade Com International Trade Commission NOTICES Antidumping or Countervailing Duty Investigations, Orders, or Reviews:
Cold-Drawn Mechanical Tubing from China, Germany, India, Italy, South Korea, and Switzerland, 114-117 2022-28470 Investigations; Determinations, Modifications, and Rulings, etc.: Certain Cabinet X-Ray and Optical Camera Systems and Components Thereof, 113-114 2022-28492 Circular Welded Pipe and Tube from Brazil, India, Mexico, South Korea, Taiwan, Thailand, and Turkey, 107-110 2022-28479 Seamless Carbon and Alloy Steel Standard, Line, and Pressure Pipe from Germany, 110-113 2022-28477 Justice Department Justice Department NOTICES Agency Information Collection Activities;
Proposals, Submissions, and Approvals: U.S. Marshals Service Medical Forms, 117-118 2022-28523 Labor Department Labor Department See Occupational Safety and Health Administration NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Prohibited Transaction Class Exemption for Certain Transactions between Investment Companies and Employee Benefit Plans, 118-119 2022-28501 National Institute National Institutes of Health NOTICES Meetings: Center for Scientific Review, 81 2022-28515 National Institute of Mental Health, 80-81 2022-28485 National Institute on Aging, 81-82 2022-28484 2022-28486 2022-28487 National Oceanic National Oceanic and Atmospheric Administration RULES Fisheries of the Northeastern United States:
Final 2023 Summer Flounder, Scup, and Black Sea Bass Specifications, 11-15 2022-28353 NOTICES Meetings: New England Fishery Management Council, 66 2022-28480 Public Hearing: South Atlantic Fishery Management Council, 65-66 2022-28478 Nuclear Regulatory Nuclear Regulatory Commission PROPOSED RULES Alternatives to the Use of Credit Ratings, 25-34 2022-27935 Occupational Safety Health Adm Occupational Safety and Health Administration NOTICES Requests for Nominations: National Advisory Committee on Occupational Safety and Health, 119-120 2022-28499 Postal Regulatory Postal Regulatory Commission NOTICES New Postal Products, 120-121 2022-28526 Securities Securities and Exchange Commission PROPOSED RULES Order Competition Rule, 128-245 2022-27617 NOTICES Meetings;
Sunshine Act, 121 2022-28560 Self-Regulatory Organizations; Proposed Rule Changes: The Depository Trust Co., 121-125 2022-28483 State Department State Department NOTICES Culturally Significant Objects Imported for Exhibition: Scripture and Science: Our Universe, Ourselves, and Our Place, 125 2022-28509 Substance Substance Abuse and Mental Health Services Administration NOTICES List of Certified Laboratories and Instrumented Initial Testing Facilities that Meet Minimum Standards to Engage in Urine Drug Testing, 82-83 2022-28506 Trade Representative Trade Representative, Office of United States NOTICES Publication of 2023 Aggregate Quantities under the U.S.-Australia Free Trade Agreement, 125-126 2022-28512 Transportation Department Transportation Department See Federal Aviation Administration U.S.
Citizenship U.S. Citizenship and Immigration Services NOTICES Extension and Redesignation of Yemen for Temporary Protected Status, 94-103 2022-28283 Immigration U.S. Immigration and Customs Enforcement NOTICES Employment Authorization: Yemeni F-1 Nonimmigrant Students Experiencing Severe Economic Hardship as a Direct Result of the Crisis in Yemen, 88-94 2022-28293 Separate Parts In This Issue Part II Securities and Exchange Commission, 128-245 2022-27617 Part III Federal Trade Commission, 248-287 2022-27828 Reader Aids Consult the Reader Aids section at the end of this issue for phone numbers, online resources, finding aids, and notice of recently enacted public laws.
To subscribe to the Federal Register Table of Contents electronic mailing list, go to https://public.govdelivery.com/accounts/USGPOOFR/subscriber/new, enter your e-mail address, then follow the instructions to join, leave, or manage your subscription. 88 1 Tuesday, January 3, 2023 Rules and Regulations BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1083 Civil Penalty Inflation Adjustments AGENCY: Bureau of Consumer Financial Protection. ACTION: Final rule. SUMMARY: The Consumer Financial Protection Bureau (Bureau) is adjusting for inflation the maximum amount of each civil penalty within the Bureau's jurisdiction.
These adjustments are required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Inflation Adjustment Act), as amended by the Debt Collection Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015. The inflation adjustments mandated by the Inflation Adjustment Act serve to maintain the deterrent effect of civil penalties and to promote compliance with the law. DATES: This final rule is effective January 15, 2023.
FOR FURTHER INFORMATION CONTACT: Adrien Fernandez, Counsel, Thomas Dowell, Senior Counsel, Office of Regulations, at
(202)435-7700. If you require this document in an alternative electronic format, please contact *CFPB_Accessibility@cfpb.gov.* SUPPLEMENTARY INFORMATION: I. Background The Inflation Adjustment Act, 1 as amended by the Debt Collection Improvement Act of 1996 2 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015, 3 directs Federal agencies to adjust the civil penalty amounts within their jurisdiction for inflation not later than July 1, 2016, and then not later than January 15 every year thereafter. 4 Each agency was required to make the 2016 one-time catch-up adjustments through an interim final rule published in the **Federal Register** . On June 14, 2016, the Bureau published its interim final rule
(IFR)to make the initial catch-up adjustments to civil penalties within the Bureau's jurisdiction. 5 The June 2016 IFR created a new part 1083 and in 1083.1 established the inflation-adjusted maximum amounts for each civil penalty within the Bureau's jurisdiction. 6 The Bureau finalized the IFR on January 31, 2019. 7 1 Public Law 101-410, 104 Stat. 890. 2 Public Law 104-134, sec. 31001(s)(1), 110 Stat. 1321, 1321-373. 3 Public Law 114-74, sec. 701, 129 Stat. 584, 599. 4 Section 1301(a) of the Federal Reports Elimination Act of 1998, Public Law 105-362, 112 Stat. 3293, also amended the Inflation Adjustment Act by striking section 6, which contained annual reporting requirements, and redesignating section 7 as section 6, but did not alter the civil penalty adjustment requirements; 28 U.S.C. 2461 note. 5 81 FR 38569 (June 14, 2016). Although the Bureau was not obligated to solicit comments for the interim final rule, the Bureau invited public comment and received none. 6 *See* 12 CFR 1083.1. 7 84 FR 517 (Jan. 31, 2019). The Inflation Adjustment Act also requires subsequent adjustments to be made annually, not later than January 15, and notwithstanding section 553 of the Administrative Procedure Act (APA). 8 The Bureau annually adjusted its civil penalty amounts, as required by the Act, through rules issued in January 2017, January 2018, January 2019, January 2020, January 2021, and January 2022. 9 8 Inflation Adjustment Act section 4, codified at 28 U.S.C. 2461 note. As discussed in guidance issued by the Director of the Office of Management and Budget (OMB), the APA generally requires notice, an opportunity for comment, and a delay in effective date for certain rulemakings, but the Inflation Adjustment Act provides that these procedures are not required for agencies to issue regulations implementing the annual adjustment. *See* Memorandum for the Heads of Exec. Dep'ts & Agencies from Shalanda D. Young, Director, Implementation of Penalty Inflation Adjustments for 2023, Pursuant to the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015, Off. of Mgmt. & Budget (Dec. 15, 2022), *available at https://www.whitehouse.gov/wp-content/uploads/2022/12/M-23-05-CMP-CMP-Guidance.pdf.* 9 82 FR 3601 (Jan. 12, 2017); 83 FR 1525 (Jan. 12, 2018); 84 FR 517 (Jan. 31, 2019); 85 FR 2012 (Jan. 14, 2020); 86 FR 3767 (Jan. 15, 2021). Specifically, the Act directs Federal agencies to adjust annually each civil penalty provided by law within the jurisdiction of the agency by the “cost-of-living adjustment.” 10 The “cost-of-living adjustment” is defined as the percentage (if any) by which the Consumer Price Index for all-urban consumers (CPI-U) for the month of October preceding the date of the adjustment, exceeds the CPI-U for October of the prior year. 11 The Director of the Office of Management and Budget
(OMB)is required to issue guidance (OMB Guidance) every year by December 15 to agencies on implementing the annual civil penalty inflation adjustments. Pursuant to the Inflation Adjustment Act and OMB Guidance, agencies must apply the multiplier reflecting the “cost-of-living adjustment” to the current penalty amount and then round that amount to the nearest dollar to determine the annual adjustments. 12 The adjustments are designed to keep pace with inflation so that civil penalties retain their deterrent effect and promote compliance with the law. 13 10 Inflation Adjustment Act sections 4 and 5, codified at 28 U.S.C. 2461 note. 11 Inflation Adjustment Act sections 3 and 5, codified at 28 U.S.C. 2461 note. 12 Inflation Adjustment Act section 5, codified at 28 U.S.C. 2461 note; *see also* Memorandum for the Heads of Exec. Dep'ts & Agencies from Shalanda D. Young, Director, Implementation of Penalty Inflation Adjustments for 2023, Pursuant to the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015, Off. of Mgmt. & Budget (Dec. 15, 2022), *available at https://www.whitehouse.gov/wp-content/uploads/2022/12/M-23-05-CMP-CMP-Guidance.pdf.* 13 *See* Inflation Adjustment Act section 2, codified at 28 U.S.C. 2461 note. For the 2023 annual adjustment, the multiplier reflecting the “cost-of-living adjustment” is 1.07745. II. Adjustment Pursuant to the Inflation Adjustment Act and OMB Guidance, the Bureau multiplied each of its civil penalty amounts by the “cost-of-living adjustment” multiplier and rounded to the nearest dollar. 14 The new penalty amounts that apply to civil penalties assessed after January 15, 2023, are as follows: 14 Inflation Adjustment Act section 4, codified at 28 U.S.C. 2461 note. Law Penalty description Penalty amounts established under 2021 final rule OMB “cost-of-living adjustment” multiplier New penalty amount Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(A) Tier 1 penalty $6,323 1.07745 $6,813 Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(B) Tier 2 penalty 31,616 1.07745 34,065 Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(C) Tier 3 penalty 1,264,622 1.07745 1,362,567 Interstate Land Sales Full Disclosure Act, 15 U.S.C. 1717a(a)(2) Per violation 2,203 1.07745 2,374 Interstate Land Sales Full Disclosure Act, 15 U.S.C. 1717a(a)(2) Annual cap 2,202,123 1.07745 2,372,677 Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(1) Per failure 103 1.07745 111 Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(1) Annual cap 207,183 1.07745 223,229 Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(2)(A) Per failure, where intentional 207 1.07745 223 SAFE Act, 12 U.S.C. 5113(d)(2) Per violation 31,928 1.07745 34,401 Truth in Lending Act, 15 U.S.C. 1639e(k)(1) First violation 12,647 1.07745 13,627 Truth in Lending Act, 15 U.S.C. 1639e(k)(2) Subsequent violations 25,293 1.07745 27,252 III. Procedural Requirements A. Administrative Procedure Act Under the APA, notice and opportunity for public comment are not required if the Bureau finds that notice and public comment are impracticable, unnecessary, or contrary to the public interest. 15 The adjustments to the civil penalty amounts are technical and non-discretionary, and they merely apply the statutory method for adjusting civil penalty amounts. These adjustments are required by the Inflation Adjustment Act. Moreover, the Inflation Adjustment Act directs agencies to adjust civil penalties annually notwithstanding section 553 of the APA, 16 and OMB Guidance reaffirms that agencies need not complete a notice-and-comment process before making the annual adjustments for inflation. 17 For these reasons, the Bureau has determined that publishing a notice of proposed rulemaking and providing opportunity for public comment are unnecessary. The amendments therefore are adopted in final form. 15 5 U.S.C. 553(b)(B). 16 Inflation Adjustment Act section 4, codified at 28 U.S.C. 2461 note. 17 Memorandum for the Heads of Exec. Dep'ts & Agencies from Shalanda D. Young, Director, Implementation of Penalty Inflation Adjustments for 2023, Pursuant to the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015, Off. of Mgmt. & Budget (Dec. 15, 2022), *available at https://www.whitehouse.gov/wp-content/uploads/2022/12/M-23-05-CMP-CMP-Guidance.pdf.* Section 553(d) of the APA generally requires publication of a final rule not less than 30 days before its effective date, except
(1)a substantive rule which grants or recognizes an exemption or relieves a restriction;
(2)interpretive rules and statements of policy; or
(3)as otherwise provided by the agency for good cause found and published with the rule. 18 At minimum, the Bureau believes the annual adjustments to the civil penalty amounts in § 1083.1(a) fall under the third exception to section 553(d). The Bureau finds that there is good cause to make the amendments effective on January 15, 2022. The amendments to § 1083.1(a) in this final rule are technical and non-discretionary, and they merely apply the statutory method for adjusting civil penalty amounts and follow the statutory directive to make annual adjustments each year. Moreover, the Inflation Adjustment Act directs agencies to adjust the civil penalties annually notwithstanding section 553 of the APA, 19 and OMB Guidance reaffirms that agencies need not provide a delay in effective date for the annual adjustments for inflation. 20 18 5 U.S.C. 553(d). 19 Inflation Adjustment Act section 4, codified at 28 U.S.C. 2461 note. 20 Memorandum for the Heads of Exec. Dep'ts & Agencies from Shalanda D. Young, Director, Implementation of Penalty Inflation Adjustments for 2023, Pursuant to the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015, Off. of Mgmt. & Budget (Dec. 15, 2022), *available at https://www.whitehouse.gov/wp-content/uploads/2022/12/M-23-05-CMP-CMP-Guidance.pdf.* B. Regulatory Flexibility Act The Regulatory Flexibility Act
(RFA)does not apply to a rulemaking where a general notice of proposed rulemaking is not required. 21 As noted previously, the Bureau has determined that it is unnecessary to publish a general notice of proposed rulemaking for this final rule. Accordingly, the RFA's requirement relating to an initial and final regulatory flexibility analysis do not apply. 21 5 U.S.C. 603(a), 604(a). C. Paperwork Reduction Act In accordance with the Paperwork Reduction Act of 1995, 22 the Bureau reviewed this final rule. The Bureau has determined that this rule does not create any new information collections or substantially revise any existing collections. 22 44 U.S.C. 3506; 5 CFR part 1320. D. Congressional Review Act Pursuant to the Congressional Review Act (5 U.S.C. 801 *et seq.* ), the Bureau will submit a report containing this rule and other required information to the United States Senate, the United States House of Representatives, and the Comptroller General of the United States prior to the rule taking effect. The Office of Information and Regulatory Affairs
(OIRA)has designated this rule as not a “major rule” as defined by 5 U.S.C. 804(2). IV. Signing Authority Senior Advisor Brian Shearer, having reviewed and approved this document, is delegating the authority to electronically sign this document to Laura Galban, a Bureau Federal Register Liaison, for purposes of publication in the **Federal Register** . List of Subjects in 12 CFR Part 1083 Administrative practice and procedure, Consumer protection, Penalties. Authority and Issuance For the reasons set forth in the preamble, the Bureau amends 12 CFR part 1083, as set forth below: PART 1083—CIVIL PENALTY ADJUSTMENTS 1. The authority citation for part 1083 continues to read as follows: Authority: 12 U.S.C. 2609(D); 12 U.S.C. 5113(D)(2); 12 U.S.C. 5565(C); 15 U.S.C. 1639E(K); 15 U.S.C. 1717A(A); 28 U.S.C. 2461 NOTE. 2. Section 1083.1 is revised to read as follows: § 1083.1 Adjustment of civil penalty amounts.
(a)The maximum amount of each civil penalty within the jurisdiction of the Consumer Financial Protection Bureau to impose is adjusted in accordance with the Federal Civil Penalties Inflation Adjustment Act of 1990, as amended by the Debt Collection Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (28 U.S.C. 2461 note), as follows: Table 1 to Paragraph
(a)Law Penalty description Adjusted maximum civil penalty amount 12 U.S.C. 5565(c)(2)(A) Tier 1 penalty $6,813 12 U.S.C. 5565(c)(2)(B) Tier 2 penalty 34,065 12 U.S.C. 5565(c)(2)(C) Tier 3 penalty 1,362,567 15 U.S.C. 1717a(a)(2) Per violation 2,374 15 U.S.C. 1717a(a)(2) Annual cap 2,372,677 12 U.S.C. 2609(d)(1) Per failure 111 12 U.S.C. 2609(d)(1) Annual cap 223,229 12 U.S.C. 2609(d)(2)(A) Per failure, where intentional 223 12 U.S.C. 5113(d)(2) Per violation 34,401 15 U.S.C. 1639e(k)(1) First violation 13,627 15 U.S.C. 1639e(k)(2) Subsequent violations 27,252
(b)The adjustments in paragraph
(a)of this section shall apply to civil penalties assessed after January 15, 2023, whose associated violations occurred on or after November 2, 2015. Laura Galban, Federal Register Liaison, Consumer Financial Protection Bureau. [FR Doc. 2022-28442 Filed 12-30-22; 8:45 am]
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