Unknown. Final rule

4,798 words·~22 min read·/register/2026/03/23/2026-05652

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-2026-03-23.xml --- 91 55 Monday, March 23, 2026 Contents Agricultural Marketing Agricultural Marketing Service PROPOSED RULES National Organic Program: National List of Allowed and Prohibited Substances per October 2021, October 2022, and October 2024 Recommendations (Crops and Livestock), 13782-13791 2026-05598 NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 13812-13813 2026-05653 Agriculture Agriculture Department See Agricultural Marketing Service See Farm Service Agency See Food Safety and Inspection Service See Forest Service See Rural Housing Service NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals, 13813-13814 2026-05604 Arctic Arctic Research Commission NOTICES Vacancy, 13817-13818 2026-05605 Centers Disease Centers for Disease Control and Prevention NOTICES Charter Amendments, Establishments, Renewals and Terminations: National Committee on Vital Health and Statistics, 13849 2026-05570 Civil Rights Civil Rights Commission NOTICES Hearings, Meetings, Proceedings, etc.: Closing the Gap: Addressing Declining Black Male Enrollment at HBCUs and Other Colleges, 13818 2026-05578 Commerce Commerce Department See Foreign-Trade Zones Board See National Oceanic and Atmospheric Administration Commodity Futures Commodity Futures Trading Commission RULES Application of the Federal Securities Laws to Certain Types of Crypto Assets and Certain Transactions Involving Crypto Assets, 13714-13733 2026-05635 Drug Drug Enforcement Administration RULES Schedules of Controlled Substances:

Placement of 3-methoxyphencyclidine (1-(1-(3-methoxyphenyl)cyclohexyl)piperidine) in Schedule I, 13733-13736 2026-05618 Education Department Education Department NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: IDEA Part B State Performance Plan and Annual Performance Report, 13825-13826 2026-05617 IDEA Part C State Performance Plan and Annual Performance Report, 13824-13825 2026-05616 Student Assistance General Provision—Subpart E—Verification Student Aid Application Information, 13825 2026-05615 Talent Search Program, 13826 2026-05655 Energy Department Energy Department See Energy Information Administration See Federal Energy Regulatory Commission NOTICES Hearings, Meetings, Proceedings, etc.:

Environmental Management Site-Specific Advisory Board Chairs, 13826-13827 2026-05633 International Energy Agency, 13832-13833 2026-05613 Importation or Exportation of Liquified Natural Gas or Electric Energy; Applications, Authorizations, etc.: Corpus Christi Liquefaction, LLC; CCL Midscale 8-9, LLC; and Cheniere Marketing, LLC, 13836-13837 2026-05625 DMG Blockchain Solutions Inc., 13829-13830 2026-05611 GB II New York LLC, 13830-13831 2026-05610 MAG Energy Solutions, Inc., 13833-13834 2026-05621 Mercuria Energy America, LLC, 13828-13829 2026-05612 Oswego Harbor Power LLC, 13834-13835 2026-05609 Rainbow Energy Marketing Corp., 13835-13836 2026-05622 Rio Grande LNG, LLC, Rio Grande LNG Train 4, LLC, and Rio Grande LNG Train 5, LLC, 13831-13832 2026-05624 TransAlta Energy Marketing (U.S.

) Inc., 13827-13828 2026-05608 Energy Information Energy Information Administration NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 13837-13839 2026-05643 Environmental Protection Environmental Protection Agency RULES Air Quality State Implementation Plans; Approvals and Promulgations: Arizona; Phoenix-Mesa Nonattainment Area; Determination of Attainment by the Attainment Date but for International Emissions for the 2015 Ozone National Ambient Air Quality Standards, 13777-13781 2026-05601 California;

Mojave Desert Air Quality Management District; New Source Review; Stationary Source Permits, 13774-13777 2026-05591 New Hampshire; Single Source VOC RACT Order for Hutchinson Sealing Systems, 13771-13773 2026-05567 Ohio; Volatile Organic Compounds RFD Beaufort, 13773-13774 2026-05568 San Joaquin Valley, California; Contingency Measures for 1997 Ozone Standards, 13747-13762 2026-05592 Texas; Reasonably Available Control Technology in the Dallas-Fort Worth Ozone Nonattainment Area, 13762-13771 2026-05607 Texas;

Reasonably Available Control Technology in the Houston-Galveston-Brazoria Ozone Nonattainment Area, 13739-13747 2026-05596 PROPOSED RULES Air Quality State Implementation Plans; Approvals and Promulgations: California; Antelope Valley Air Quality Management District; New Source Review; Stationary Source Permits, 13797-13800 2026-05636 Designated Facilities and Pollutants; Louisiana; Control of Emissions from Existing Other Solid Waste Incineration Units, 13802-13804 2026-05606 Approval and Promulgation of State Plans for Designated Facilities and Pollutants:

West Virginia; Control of Emissions from Existing Municipal Solid Waste Landfills, 13800-13802 2026-05637 Protecting Public Health and Unleashing American Energy by Facilitating Scrap Tire Pile Cleanups, 13804-13811 2026-05586 NOTICES Certain New Chemicals or Significant New Uses: Statements of Findings—January 2026, 13844-13845 2026-05584 Permits; Applications, Issuances, etc.: Clean Air Act; Order on Petition for Objection to State Operating Permit for Holly Energy Partners, L.P.—Denver Products Terminal, 13846 2026-05641 Privacy Act;

Systems of Records, 13843-13844 2026-05640 Proposed Settlement Agreement, Stipulation, Order, and Judgment, etc.: Battery and Electronics Recycling Inc. Site, Dane County, WI, 13845-13846 2026-05639 Recovery of Past Response Costs at Refrigerant Exchange Corp. Site, Irwindale, CA, 13845 2026-05642 Response Action by Bona Fide Prospective Purchaser: Richardson Flat Tailings Superfund Site Operable Unit 1, 13843 2026-05602 Farm Service Farm Service Agency NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Emergency Relief Program 2022; Correction, 13814 2026-05565 Federal Aviation Federal Aviation Administration RULES Airspace Designations and Reporting Points: Fort Drum, NY, 13708-13709 2026-05581 Fort Moore, GA, 13710-13713 2026-05579 Fort Novosel, AL, 13713-13714 2026-05580 Airworthiness Directives: Baykar Piaggio Aerospace S.p.A. (Type Certificate Previously Held by Piaggio Aviation S.p.A.) Airplanes, 13706-13708 2026-05576 PROPOSED RULES Airworthiness Directives:

Airbus Helicopters, 13794-13797 2026-05574 The Boeing Company Airplanes, 13791-13794 2026-05597 NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Application for Employment with the Federal Aviation Administration, 13927-13928 2026-05656 Human Space Flight Requirements for Crew/Space Flight Participants, 13928-13929 2026-05638 Unmanned Aircraft System Integration at Airports and Necessary Planning, Design, and Physical Infrastructure Needs, 13929-13930 2026-05603 Federal Deposit Federal Deposit Insurance Corporation RULES Clarification of Deposit Insurance Coverage for Branches of U.S.

Banks in the Federated States of Micronesia, the Marshall Islands, and Palau, 13703-13705 2026-05652 NOTICES Meetings; Sunshine Act, 13846-13847 2026-05644 2026-05645 Statement of Policy on Qualifications for Failed Bank Acquisition; Recission, 13847-13848 2026-05646 Federal Energy Federal Energy Regulatory Commission NOTICES Combined Filings, 13839-13841 2026-05587 2026-05588 2026-05589 Effectiveness of Withdrawal of Application for Amendment of Exemption: Ampersand Olcott Harbor Hydro, LLC, 13841 2026-05649 Hearings, Meetings, Proceedings, etc.:

St. Anthony Hydro, LLC, 13842-13843 2026-05590 Licenses; Exemptions, Applications, Amendments, etc.: City of Chignik, 13841-13842 2026-05651 Idaho Power Co., 13839-13840 2026-05650 Federal Maritime Federal Maritime Commission NOTICES Complaint and Assignment: Orleans International, Inc., Complainant v. Hapag Lloyd AG, Respondent, 13848 2026-05647 Federal Motor Federal Motor Carrier Safety Administration NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals:

Unified Registration System, FMCSA Registration/Updates, 13930-13931 2026-05571 Federal Reserve Federal Reserve System NOTICES Change in Bank Control: Acquisitions of Shares of a Bank or Bank Holding Company, 13848-13849 2026-05629 Formations of, Acquisitions by, and Mergers of Bank Holding Companies, 13848 2026-05630 Food and Drug Food and Drug Administration NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Food and Drug Administration Advisory Committees, 13852-13854 2026-05623 Reporting Associated with Animal Drug and Animal Generic Drug User Fees, 13854-13856 2026-05620 Hearings, Meetings, Proceedings, etc.:

Commissioner's National Priority Voucher Pilot Program, 13849-13852 2026-05573 Food Safety Food Safety and Inspection Service NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Voluntary Destruction of Imported Meat, Poultry, and Egg Products, 13814-13815 2026-05550 Foreign Trade Foreign-Trade Zones Board NOTICES Application for Subzone: Methods Machine Tools, Inc., Foreign-Trade Zone 27, Acton and Sudbury, MA, 13818-13819 2026-05572 Forest Forest Service NOTICES Requests for Nominations:

Forestry Research Advisory Council, 13815-13816 2026-05566 Health and Human Health and Human Services Department See Centers for Disease Control and Prevention See Food and Drug Administration Indian Affairs Indian Affairs Bureau NOTICES Rate Adjustments for Indian Irrigation Projects, 13856-13861 2026-05577 Interior Interior Department See Indian Affairs Bureau See Land Management Bureau Justice Department Justice Department See Drug Enforcement Administration NOTICES Proposed Modification to Consent Decree:

CERCLA, 13868 2026-05593 Labor Department Labor Department See Labor-Management Standards Office Labor Management Standards Labor-Management Standards Office RULES Minor Child Definition for Form LM-30 Labor Organization Officer and Employee Report, 13737-13739 2026-05634 Land Land Management Bureau NOTICES Public Land Order: No. 7963; National Defense Operating Area Withdrawal, Dona Ana, Luna, and Hidalgo Counties, NM; Correction, 13861-13868 2026-05648 Commission National Commission on the Future of the Navy NOTICES Hearings, Meetings, Proceedings, etc., 13824 2026-05575 National Oceanic National Oceanic and Atmospheric Administration NOTICES Hearings, Meetings, Proceedings, etc.:

Fisheries of the South Atlantic, Gulf and Caribbean; Southeast Data, Assessment, and Review, 13823 2026-05627 Mid-Atlantic Fishery Management Council, 13819 2026-05551 North Pacific Fishery Management Council, 13819-13820 2026-05626 Permanent Advisory Committee to Advise the U.S. Commissioners to the Western and Central Pacific Fisheries Commission, 13821-13822 2026-05619 Licenses; Exemptions, Applications, Amendments, etc.: Deep Seabed Mining Exploration; Public Hearing, 13822-13823 2026-05599 Satellite-Derived Bathymetry Addition to Standard Ocean Mapping Protocol, 13820-13821 2026-05585 Railroad Retirement Railroad Retirement Board NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals, 13868-13870 2026-05548 Rural Housing Service Rural Housing Service NOTICES Single Family Housing Section 502 Home Loan Program: Self-Help and Affordable Housing, 13816-13817 2026-05595 Securities Securities and Exchange Commission RULES Application of the Federal Securities Laws to Certain Types of Crypto Assets and Certain Transactions Involving Crypto Assets, 13714-13733 2026-05635 NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 13897-13898, 13907 2026-05552 2026-05553 Self-Regulatory Organizations;

Proposed Rule Changes: Cboe BYX Exchange, Inc., 13883-13890 2026-05556 Cboe BZX Exchange, Inc., 13873-13883 2026-05555 Cboe Exchange, Inc., 13907-13912 2026-05561 Fixed Income Clearing Corp., 13890-13893, 13912-13915 2026-05558 2026-05562 NYSE American LLC, 13870-13873 2026-05554 NYSE Arca, Inc., 13898-13900, 13904-13907 2026-05557 2026-05559 The Nasdaq Stock Market LLC, 13893-13897, 13900-13904 2026-05560 2026-05563 Small Business Small Business Administration NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals, 13915 2026-05614 Disaster Declaration: Mississippi and the Mississippi Band of Choctaw Indians; Public Assistance Only, 13915 2026-05654 Social Social Security Administration NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 13915-13926 2026-05600 State Department State Department NOTICES Culturally Significant Objects Imported for Exhibition: Epic of the Northwest Himalayas: Pahari Paintings from the ''Shangri'' Ramayana, 13927 2026-05631 Delegation of Authority, 13927 2026-05628 2026-05632 Transportation Department Transportation Department See Federal Aviation Administration See Federal Motor Carrier Safety Administration Veteran Affairs Veterans Affairs Department NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Request for Restoration of Entitlement Due to Facility Closure, Program of Training or Course Disapproval (Chapter 31 Veteran Readiness and Employment), 13931 2026-05594 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. 91 55 Monday, March 23, 2026 Rules and Regulations FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 330 RIN 3064-AG06 Clarification of Deposit Insurance Coverage for Branches of U.S.

Banks in the Federated States of Micronesia, the Marshall Islands, and Palau AGENCY: Federal Deposit Insurance Corporation. ACTION: Final rule. SUMMARY: The Federal Deposit Insurance Corporation

(FDIC)is adopting a final rule to provide that the FDIC will insure deposits of all branches of U.S.-insured depository institutions

(IDIs)in the Federated States of Micronesia, the Republic of the Marshall Islands, and the Republic of Palau, whether operating presently or in the future. This final rule follows an interim final rule with request for comment issued by the FDIC in August 2024. DATES: The final rule is effective April 22, 2026. FOR FURTHER INFORMATION CONTACT: Legal Division: Ryan McCarthy, Counsel, 202-898-7301, *rymccarthy@fdic.gov;* James Watts, Counsel, 202-898-6678, *jwatts@fdic.gov;* Shilpa Shah, Acting Associate Director, International Affairs Branch, 202-898-8546, *shshah@fdic.gov.* SUPPLEMENTARY INFORMATION: I. Background In 1981, Congress amended the Federal Deposit Insurance Act (FDI Act) to permit the FDIC to provide deposit insurance coverage to branches of U.S.-chartered IDIs located in the Trust Territory of the Pacific Islands (Trust Territory). At that time, the Trust Territory included what is now the Federated States of Micronesia (FSM), the Republic of the Marshall Islands (Marshall Islands), the Republic of Palau (Palau), and the Northern Mariana Islands. Between 1986 and 1994, the FSM, the Marshall Islands, and Palau became independent nations (collectively known as the Freely Associated States), and each entered a Compact of Free Association (Compacts) with the United States. The Compacts and associated agreements authorize certain government agencies, including the FDIC, to provide specific services to each of the Freely Associated States. In 2023, the United States and each of the Freely Associated States entered new agreements relating to their respective Compacts, which were subsequently approved by Congress. The new agreements authorize the FDIC to provide deposit insurance to IDIs chartered by any of the Freely Associated States. Three U.S.-chartered IDIs also operate branches in the Freely Associated States that have historically been insured under authority in the FDI Act. After the Compacts and the related agreements were concluded, the FDIC adopted an interim final rule 1 to clarify that it insures the deposits of legacy branches of U.S. IDIs operating in the Freely Associated States, and requested public comment. The interim final rule defined “legacy branches” as the number of branches operating in the Freely Associated States by each U.S. IDI as of the rule's effective date, August 9, 2024. The FDIC received one comment supporting the clarification but requesting that the FDIC remove language limiting coverage to legacy branches. In response to that feedback, the FDIC is adopting this final rule pursuant to its authorities under section 11 of the FDI Act, relating to deposit insurance, as well as authorities under sections 9 and 10, to make deposit insurance available to all branches of U.S.-chartered IDIs in the Freely Associated States, whether present or future. 1 89 FR 65166 (Aug. 9, 2024). II. Legal Framework and Overview of the Interim Final Rule A. Deposit Insurance Coverage for Foreign Branches of U.S. IDIs Under the FDIC's regulations, an obligation of an IDI that is payable solely at an office of the IDI located outside any State is not considered a “deposit” for purposes of the deposit insurance regulations. 2 Where an obligation of an IDI is carried on the books and records of an office of the IDI located outside any State, the regulations provide that it shall not be considered an insured deposit, even if it is also made payable at an office of the IDI located within any State. 3 That is, where obligations booked outside the U.S. are made dually payable (meaning that the deposits are expressly payable in an office of the IDI in the United States), 4 they may be entitled to depositor preference (payment ahead of the institution's other creditors), but under the FDIC's rules, are not generally eligible for deposit insurance coverage. 2 12 CFR 330.3(e)(1). 3 12 CFR 330.3(e)(2). 4 Obligations of an IDI's foreign branch that would otherwise fall under the definition of “deposit” at 12 U.S.C. 1813( *l* ) do not constitute a “deposit” unless the obligation

(1)would be a deposit if carried on the books and records of the IDI in the United States; and

(2)is expressly payable at an office of the IDI located in the United States. 12 U.S.C. 3( *l* )(5)(A). This second requirement that the obligation be payable at an office in the United States has historically been referred to as “dual payability.” B. Deposit Insurance Coverage for U.S. Branches in the Freely Associated States The interim final rule amended the FDIC's regulations to provide that legacy branches of U.S. IDIs in the Freely Associated States are not considered to be offices located outside any State for purposes of the deposit insurance rules. Therefore, deposits in those branches, if dually payable (meaning that the deposits are expressly payable in an office of the IDI in the United States), are insured by the FDIC. The interim final rule defined “legacy branches” as the number of branches operated by each U.S. IDI as of August 9, 2024. The interim final rule limited coverage to the legacy branches of U.S. IDIs in order to align deposit insurance coverage with the coverage provided historically for U.S. banks operating in the Freely Associated States. III. Public Comments The FDIC received one comment letter from the Bank of Guam (commenter), a U.S.-chartered IDI, that operates branches in the Freely Associated States. While the commenter supported the interim final rule to the extent it clarified the application of FDIC deposit insurance to legacy branches of U.S. IDIs in the Freely Associated States, the commenter raised concerns about the effect of limiting deposit insurance to just those legacy branches. Specifically, the commenter requested clarity as to whether a relocated branch would qualify as a legacy branch. The commenter also noted that the limitation of coverage to legacy branches would act as a restriction to growth and expansion that never historically existed prior to the interim final rule. IV. The Final Rule The final rule removes the reference to “legacy branches” in the FDIC's regulations. Under the amended rule, all branches of U.S. IDIs in the Freely Associated States, whether present or future, are not considered to be offices located outside any State for purposes of deposit insurance coverage. As a result, dually payable deposits of all branches of U.S.-chartered banks in the Freely Associated States, whether present or future, will be insured by the FDIC. Providing deposit insurance to all branches of U.S. IDIs in the Freely Associated States achieves the FDIC's intent to align its deposit insurance regulations with the historical availability of FDIC deposit insurance in the Freely Associated States. The final rule also puts U.S. IDIs operating in the Freely Associated States on equal footing with IDIs chartered by the Freely Associated States. Further, removing a limitation that may have served as a barrier to entry will support a competitive banking environment in the Freely Associated States. Additionally, the FDIC does not have a clear rationale to limit deposit insurance only to existing branches of U.S. IDIs and not new branches of U.S. IDIs. V. Expected Effects In 2024, the FDIC adopted an interim final rule that provided deposit insurance to legacy branches of U.S. IDIs operating in the Freely Associated States. This final rule further amends 12 CFR part 330 to remove the requirement that the branches be “legacy” branches. Under the final rule, FDIC will insure dually payable deposits of all branches of U.S. IDIs operating in the Freely Associated States. As described above, the interim final rule clarified continuing deposit insurance coverage for all legacy branches in the Freely Associated States—that is, all eight branches operating as of August 9, 2024, the effective date of the interim final rule, by three U.S. IDIs. of the quarter ending June 30, 2025, there are still eight branches operated in the Freely Associated States by three U.S. IDIs. 5 Taken together, these branches have approximately $803.47 million in deposits. 5 FDIC Summary of Deposits data as of June 30, 2025. The FDIC currently insures deposits of one bank chartered by the Federated States of Micronesia, the Bank of the Federated States of Micronesia, pursuant to the Compacts negotiated by the U.S. government and the Freely Associated States. The final rule does not affect deposit insurance coverage for this bank. As discussed above, the interim final rule did not alter deposit insurance coverage at the eight branches currently operating in the Freely Associated States. Costs imposed by the interim final rule on the operators of these branches, if any, were likely limited to costs associated with clarifications to their customers regarding the nature of deposit insurance for products offered at these branches. The FDIC does not have data to quantify these costs but believes they were *de minimis.* The final rule extends deposit insurance coverage to all branches of U.S.-insured depository institutions in the Freely Associated States. In contrast to the interim final rule, any new branches formed by U.S. IDIs in the Freely Associated States will now be eligible to have their deposits insured under the final rule. As such, the final rule may affect the formation of new branches in the Freely Associated States. The FDIC believes that more branches may potentially be opened as a result of the final rule. In the absence of the final rule, it is more likely that U.S. IDIs operating in the Freely Associated States would continue to endeavor to attract new customers and depositors but without opening new branches. The FDIC does not have data to estimate these impacts. Additionally, the FDIC notes that given the very small size of the Freely Associated States relative to the U.S. population and economy, and the preexisting availability of deposit insurance for IDIs operating in the Freely Associated States, the final rule is expected to have a *de minimis* impact on the Deposit Insurance Fund. VI. Administrative Law Matters A. Administrative Procedure Act The Administrative Procedure Act requires an agency to publish a substantive rule not less than 30 days before its effective date, except when an agency otherwise publishes in the final rule good cause for providing for an earlier effective date. 6 Accordingly, the final rule is effective as of the date set forth above in this document under the DATES heading. 6 5 U.S.C. 553(d). B. Regulatory Flexibility Act The Regulatory Flexibility Act

(RFA)generally requires an agency, in connection with a final rule, to prepare and make available for public comment a final regulatory flexibility analysis that describes the impact of the final rule on small entities. 7 However, a final regulatory flexibility analysis is not required if the agency certifies that the final rule will not, if promulgated, have a significant economic impact on a substantial number of small entities. The SBA has defined “small entities” to include banking organizations with total assets of less than or equal to $850 million. 8 Generally, the FDIC considers a significant economic impact to be a quantified effect in excess of 5 percent of total annual salaries and benefits or 2.5 percent of total noninterest expenses. The FDIC believes that effects in excess of one or more of these thresholds typically represent significant economic impacts for FDIC-supervised institutions. The final rule applies to U.S.-chartered IDIs that operate in the Freely Associated States presently or in the future. As of the quarter ending June 30, 2025, there are three U.S. IDIs with eight total branches in the Freely Associated States. 9 Of these, one U.S. IDI is considered small for purposes of the RFA. 7 5 U.S.C. 601 *et seq.* 8 The SBA defines a small banking organization as having $850 million or less in assets, where an organization's “assets are determined by averaging the assets reported on its four quarterly financial statements for the preceding year.” See 13 CFR 121.201 (as amended by 87 FR 69118, effective Dec. 19, 2022). In its determination, the “SBA counts the receipts, employees, or other measure of size of the concern whose size is at issue and all of its domestic and foreign affiliates.” See 13 CFR 121.103. Following these regulations, the FDIC uses an insured depository institution's affiliated and acquired assets, averaged over the preceding four quarters, to determine whether the insured depository institution is “small” for the purposes of RFA. 9 FDIC Summary of Deposits data as of June 30, 2025. The FDIC does not believe that the final rule will have a significant impact on a substantial number of small entities. The sole small entity affected by the interim final rule has a single branch. As discussed in the Expected Effects section, the FDIC expects any effects of the final rule on this branch and its customers to be *de minimis.* The FDIC does not have information on the extent the final rule may affect business decisions—such as marketing and deposit solicitation and future branch openings—of IDIs that are not currently doing business in the Freely Associated States but may choose to do so in the future. However, the single small entity affected by the interim final rule and any additional small entities that may open a branch in the Freely Associated States are unlikely to constitute a substantial number of small entities. In light of the foregoing, the FDIC certifies that the final rule will not have a significant economic impact on a substantial number of small entities. Accordingly, a final regulatory flexibility analysis is not required. C. Paperwork Reduction Act The Paperwork Reduction Act of 1995

(PRA)10 states that no agency may conduct or sponsor, nor is the respondent required to respond to, an information collection unless it displays a currently valid Office of Management and Budget

(OMB)control number. The final rule does not create any new, or revise any of these existing assessment information collections pursuant to the PRA; consequently, no submissions in connection with these OMB control numbers will be made to the OMB for review. 10 44 U.S.C. 3501 through 3521. Any new branch applications that result from this rule will be reflected in the next information collection renewal. D. Riegle Community Development and Regulatory Improvement Act of 1994 The Riegle Community Development and Regulatory Improvement Act of 1994 generally provides that new regulations or amendments to regulations prescribed by a Federal banking agency that impose additional reporting, disclosure, or other new requirements on IDIs shall take effect on the first day of a calendar quarter that begins on or after the date on which the regulations are published in final form, unless the agency determines, for good cause published with the rule, that the rule should become effective before such time. 11 The rule does not impose any reporting, disclosure, or other requirements on IDIs. 11 12 U.S.C. 4802. E. Plain Language Section 722 of the Gramm-Leach-Bliley Act 12 requires the Federal banking agencies to use plain language in all proposed and final rulemakings published in the **Federal Register** after January 1, 2000. The FDIC has sought to present the final rule in a simple and straightforward manner and did not receive any comments relating to plain language. 12 Public Law 106-102, section 722, 113 Stat. 1338, 1471 (1999), 12 U.S.C. 4809. F. Congressional Review Act For purposes of the Congressional Review Act, the OMB makes a determination as to whether a final rule constitutes a “major” rule. 13 If a rule is deemed a “major rule” by the OMB, the Congressional Review Act generally provides that the rule may not take effect until at least 60 days following its publication. 14 13 5 U.S.C. 801 *et seq.* 14 5 U.S.C. 801(a)(3). The Congressional Review Act defines a “major rule” as any rule that the Administrator of the Office of Information and Regulatory Affairs of the OMB finds has resulted in or is likely to result in

(1)an annual effect on the economy of $100,000,000 or more;

(2)a major increase in costs or prices for consumers, individual industries, Federal, State, or local government agencies or geographic regions; or

(3)significant adverse effects on competition, employment, investment, productivity, innovation, or on the ability of United States-based enterprises to compete with foreign-based enterprises in domestic and export markets. 15 15 5 U.S.C. 804(2). The OMB has determined that the final rule is not a major rule for purposes of the Congressional Review Act. G. Executive Order 12866 Executive Order 12866, as amended, provides that the Office of Information and Regulatory Affairs

(OIRA)will review all “significant regulatory actions” as defined therein. The FDIC has submitted this regulatory act to OIRA for review. OIRA has determined that this final rule is not a “significant regulatory action” for purposes of Executive Order 12866. For more information on the analysis conducted in connection with Executive Order 12866, refer to other sections of this SUPPLEMENTARY INFORMATION . H. Executive Order 14192 Executive Order 14192 directs agencies, unless prohibited by law, to identify at least 10 existing regulations to be repealed when the agency publicly proposes for notice and comment or otherwise promulgates a new regulation with total costs greater than zero. Executive Order 14192 further requires that new incremental costs associated with new regulations shall, to the extent permitted by law, be offset by the elimination of existing costs associated with at least 10 prior regulations. An Executive Order 14192 deregulatory action is an action that has been finalized and has total costs less than zero. This final rule is considered an Executive Order 14192 deregulatory action. List of Subjects in 12 CFR Part 330 Bank deposit insurance, Banks, banking, Reporting and recordkeeping requirements, Savings associations. Authority and Issuance For the reasons stated in the preamble, the Federal Deposit Insurance Corporation adopts as final the interim final rule amending 12 CFR part 330, which was published at 89 FR 65166 on August 9, 2024, with the following change: PART 330—DEPOSIT INSURANCE COVERAGE 1. The authority citation for part 330 continues to read as follows: Authority: 12 U.S.C. 1813( *l* ), 1813(m), 1817(i), 1818(q), 1819(a)(Tenth), 1820(f), 1820(g), 1821(a), 1821(d), 1822(c). 2. Amend § 330.3 by revising and republishing paragraph (e)(3) to read as follows: § 330.3 General principles.

(e)* * *

(3)*Rule of construction.* For purposes of this paragraph (e), the following are not considered to be offices located outside any State, as referred to in paragraph (e)(1) of this section:

(i)Overseas Military Banking Facilities operated under U.S. Department of Defense regulations, 32 CFR parts 230 and 231; and

(ii)Branches of U.S.-insured depository institutions in the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau. Federal Deposit Insurance Corporation. By order of the Board of Directors. Dated at Washington, DC, March 19, 2026. Jennifer M. Jones, Deputy Executive Secretary. [FR Doc. 2026-05652 Filed 3-20-26; 8:45 am]

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