Prescreen Opt-Out Notice Rule

CourtFederal Trade Commission
Citation86 FR 50848
Record Number2021-19465
Publication Date13 Sep 2021
50848
Federal Register / Vol. 86, No. 174 / Monday, September 13, 2021 / Rules and Regulations
1
15 U.S.C. 1681m(d).
2
70 FR 5021 (Aug. 1, 2005).
3
Public Law 111–203 (2010).
4
15 U.S.C. 1681 et seq. The Dodd-Frank Act does
not transfer to the CFPB rulemaking authority for
section 615(e) of the FCRA (‘‘Red Flag Guidelines
and Regulations Required’’) and section 628 of the
FCRA (‘‘Disposal of Records’’). See 15 U.S.C.
1681s(e).
5
77 FR 22200 (April 13, 2012); 12 U.S.C. 5519.
6
15 U.S.C. 5519.
7
77 FR 22200 (April 13, 2012).
8
Id.
9
12 CFR 1022.54.
10
84 FR 23471 (May 22, 2019).
11
The comments can be found at
www.regulations.gov/document/FTC-2020-0066-
0001/comment.
12
15 U.S.C. 1681s(e)(1); 12 U.S.C. 5519.
13
12 U.S.C. 5519.
14
Devin Davis (Comment 2).
Jackson, WY, Jackson Hole, GEYSER SIX
Graphic DP
[FR Doc. 2021–19643 Filed 9–10–21; 8:45 am]
BILLING CODE 4910–13–P
FEDERAL TRADE COMMISSION
16 CFR Parts 642 and 698
RIN 3084–AB63
Prescreen Opt-Out Notice Rule
AGENCY
: Federal Trade Commission.
ACTION
: Final rule.
SUMMARY
: The Federal Trade
Commission (‘‘FTC’’ or ‘‘Commission’’)
is issuing a final rule (‘‘Final Rule’’) to
amend its Prescreen Opt-Out Notice
Rule to correspond to changes made to
the Fair Credit Reporting Act (‘‘FCRA’’)
by the Dodd-Frank Act and to reinstate
and amend a model prescreen opt-out
notice.
DATES
: This rule is effective October 13,
2021.
FOR FURTHER INFORMATION CONTACT
:
David Lincicum (202–326–2773),
Division of Privacy and Identity
Protection, Bureau of Consumer
Protection, Federal Trade Commission,
600 Pennsylvania Avenue NW,
Washington, DC 20580.
SUPPLEMENTARY INFORMATION
:
I. Background
A. The Prescreen Opt-Out Notice Rule
Section 615(d) of the FCRA
1
requires
that any person who uses a consumer
report in order to make an unsolicited
firm offer of credit or insurance to the
consumer (‘‘prescreened offer’’ or
‘‘prescreened solicitation’’) shall
provide with each written solicitation a
clear and conspicuous statement that:
(A) Information contained in the
consumer’s consumer report was used
in connection with the transaction; (B)
the consumer received the offer of credit
or insurance because the consumer
satisfied the criteria for credit
worthiness or insurability under which
the consumer was selected for the offer;
(C) if applicable, the credit or insurance
may not be extended if, after the
consumer responds to the offer, the
consumer does not meet the criteria
used to select the consumer for the offer
or any applicable criteria bearing on
credit worthiness or insurability or does
not furnish any required collateral; (D)
the consumer has a right to prohibit
information contained in the
consumer’s file with any consumer
reporting agency from being used in
connection with any credit or insurance
transaction that is not initiated by the
consumer; and (E) the consumer may
exercise the opt-out right by notifying a
notification system established under
section 604(e) of the FCRA.
The Fair and Accurate Credit
Transactions Act of 2003 (‘‘FACT Act’’)
was signed into law on December 4,
2003. Public Law 108–159, 117 Stat.
1952. Section 213(a) of the FACT Act
amended FCRA section 615(d) to
require that the statement mandated by
section 615(d) ‘‘be presented in such
format and in such type size and
manner as to be simple and easy to
understand, as established by the
Commission, by rule, in consultation
with the Federal banking agencies and
the National Credit Union
Administration.’’ On August 1, 2005,
the FTC issued its Prescreen Opt-Out
Notice Rule.
2
B. Dodd-Frank Act
The Dodd-Frank Wall Street Reform
and Consumer Protection Act (‘‘Dodd-
Frank Act’’) was signed into law in
2010.
3
The Dodd-Frank Act
substantially changed the federal legal
framework for financial services
providers. Among the changes, the
Dodd-Frank Act transferred to the
Consumer Financial Protection Bureau
(‘‘CFPB’’) the Commission’s rulemaking
authority under portions of the FCRA.
4
Accordingly, in 2012, the Commission
rescinded several of its FCRA rules,
which had been replaced by rules
issued by the CFPB.
5
The FTC retained
rulemaking authority for other rules to
the extent the rules apply to motor
vehicle dealers described in section
1029(a) of the Dodd-Frank Act
6
that are
predominantly engaged in the sale and
servicing of motor vehicles, the leasing
and servicing of motor vehicles, or both
(‘‘motor vehicle dealers’’).
7
The retained
rules include the Prescreen Opt-Out
Notice Rule, which now applies only to
motor vehicle dealers.
8
Consumer report
users originally covered by the
Prescreen Opt-Out Notice Rule that are
not motor vehicle dealers are covered by
the CFPB’s rule.
9
On May 22, 2019, the FTC rescinded
several FCRA model notices and forms
that were no longer necessary due to the
Dodd-Frank Act’s change to its
rulemaking authority.
10
The prescreen
opt-out model notice was included in
this rescission.
II. Regulatory Review of the Prescreen
Opt-Out Notice Rule
On September 21, 2020, the
Commission solicited comments on the
Prescreen Opt-Out Notice Rule. The
Commission sought information about
the costs and benefits of the Rule, and
its regulatory and economic impact. In
addition, the Commission proposed
amending sections 642.1 and 642.2 to
narrow the scope of the Rule to motor
vehicle dealers excluded from CFPB
jurisdiction as described in the Dodd-
Frank Act and reinstating the Prescreen
Opt-Out Notice Rule model notice. The
Commission received two comments
concerning the Rule.
11
III. Overview of Final Rule
The Commission promulgated the
Prescreen Opt-Out Notice Rule at a time
when it had rulemaking authority for a
broader group of consumer report users.
While the Dodd-Frank Act did not
change the Commission’s enforcement
authority for the Prescreen Opt-Out
Notice Rule, it did narrow the
Commission’s rulemaking authority
with respect to the Rule. It now covers
only motor vehicle dealers.
12
The
amendments in the Dodd-Frank Act
necessitate technical revisions to the
Prescreen Opt-Out Notice Rule to ensure
that the regulation is consistent with the
text of the amended FCRA. Accordingly,
the Commission amends the Prescreen
Opt-Out Notice Rule to properly reflect
the Rule’s scope.
The amendment to section 642.1
narrows the scope of the Prescreen Opt-
Out Notice Rule to those entities set
forth in the Dodd-Frank Act that are
predominantly engaged in the sale and
servicing of motor vehicles, excluding
those dealers that directly extend credit
to consumers and do not routinely
assign the extensions of credit to an
unaffiliated third party.
13
It does so by
replacing the general term ‘‘person’’
with the term ‘‘motor vehicle dealers,’’
as defined in amended section 642.2.
One commenter argued the Rule should
use the term ‘‘MVD’’ in the place of
‘‘motor vehicle dealers’’ in order to
reduce the word count of the Rule.
14
The Commission believes the term
VerDate Sep<11>2014 16:20 Sep 10, 2021 Jkt 253001 PO 00000 Frm 00012 Fmt 4700 Sfmt 4700 E:\FR\FM\13SER1.SGM 13SER1
lotter on DSK11XQN23PROD with RULES1
50849
Federal Register / Vol. 86, No. 174 / Monday, September 13, 2021 / Rules and Regulations
15
12 U.S.C. 5519.
16
84 FR 23471 (May 22, 2019).
17
The Department also argued the Commission
should issue regulations that would modify
prescreened offers of credit under the FCRA by: (1)
Limiting the information motor vehicle dealers can
obtain for prescreened offers to that which is
necessary for determining eligibility for the
prescreened offer, (2) requiring motor vehicle
dealers to extend the prescreened offer within a
specified time frame after they receive the
information from the consumer reporting agency;
and (3) requiring all information related to a
prescreened offer be deleted after the offer has
expired. We welcome the Department’s suggestions
on these issues. As the Department recognized in
its comment, however, these changes would require
changes to statutory provisions not at issue in this
rulemaking.
18
The South Carolina Department of Consumer
Affairs also suggests that the Commission revise the
model notice so that the fictional offer of credit in
the notice is being sent from a motor vehicle dealer
rather than a credit card company. The Commission
understands this change would further the goal of
making clear that the Commission’s Rule applies
only to motor vehicle dealers. However, as much of
the notice’s content is dummy text, it is clear the
model notice is meant to illustrate the formatting
and content of the Rule’s required disclosures, and
there is value in maintaining consistency with the
CFPB’s Rule. Accordingly, the Commission declines
to make this change.
19
44 U.S.C. 3501 et seq.
20
See 5 CFR 1320.3(c)(2).
21
5 U.S.C. 603–605.
22
85 FR 59226, 59228 (Sept. 21, 2020).
‘‘motor vehicle dealers’’ is more easily
understood than an abbreviation and
declines to make this change.
The amendment to section 642.2 adds
a definition of ‘‘motor vehicle dealer’’
that defines motor vehicle dealers as
entities excluded from CFPB
jurisdiction as described in the Dodd-
Frank Act.
15
The amendments also reinstate the
model prescreen opt-out notice that was
rescinded in 2019 on the basis that
motor vehicle dealers could use the
CFPB-provided model form.
16
The
model notice, Appendix C to Part 698,
remains largely unchanged from the one
previously provided except, as noted
below, the model now includes a
reference to the consumer reporting
agencies’ opt-out website. The
amendments also revise section 698.2 to
include Appendix C in the list of model
notices. The amendments make no
substantive changes to the Rule.
The South Carolina Department of
Consumer Affairs (the ‘‘Department’’)
stated that there is a continuing need for
the Prescreen Opt-Out Notice Rule and
it benefits consumers by informing them
their information has been shared for a
prescreen offer and educating them of
their rights to opt out of such offers.
17
The Department also suggested that the
Commission amend the Rule to require
companies to provide the URL for the
consumer reporting agencies’ opt-out
website, www.optoutprescreen.com.
Although the Commission agrees that
the opt-out website is a valuable
resource for consumers, it declines to
change the Rule to require dealers to
include it. Changing the Rule in this
way would cause the Commission’s
Rule to differ substantively from the
CFPB’s rule, which applies much more
broadly. The Commission believes that
consumers and businesses are better
served by uniformity in the rules.
However, because the Commission
agrees that including the address for the
optoutprescreen.com site would be
helpful to consumers who choose to opt
out, the Commission has revised the
model notice to include a reference to
the optoutprescreen.com website. While
motor vehicle dealers are not required to
use the model notice, the Commission
believes that many will choose to do
so.
18
The Commission has consulted
with the CFPB concerning this change
to the Commission’s model notice.
IV. Paperwork Reduction Act
Under the Paperwork Reduction Act
of 1995 (PRA),
19
federal agencies are
generally required to seek Office of
Management and Budget (‘‘OMB’’)
approval for information collection
requirements prior to implementation.
The Final Rule amends 16 CFR part
642 and 698. The Rule does not contain
information collection requirements as
defined by the PRA. The rule requires
certain motor vehicle dealers using
consumer report to provide consumers
with opt-out notices and the
amendments include a model notice
that motor vehicle dealers may use. The
public disclosure of information
originally supplied by the Federal
Government for the purpose of
disclosure to the public is not included
within the definition of the collection of
information.
20
Therefore, the
Commission does not believe that the
amendments will add any ‘‘collections
of information’’ as defined by the PRA.
V. Regulatory Flexibility Act
The Regulatory Flexibility Act
(‘‘RFA’’), as amended by the Small
Business Regulatory Enforcement
Fairness Act of 1996, requires an agency
to either provide an Initial Regulatory
Flexibility Analysis (‘‘IRFA’’) with a
proposed rule, or certify that the
proposed rule will not have a significant
impact on a substantial number of small
entities.
21
The Commission published
an Initial Regulatory Flexibility
Analysis in order to inquire into the
impact of the proposed Rule on small
entities.
22
The Commission received no
responsive comments.
The Commission does not believe that
these amendments have the threshold
impact on small entities. The
amendments effectuate changes to the
Dodd-Frank Act and will not impose
costs on small motor vehicle dealers
because the amendments are for
clarification purposes and will not
result in any increased burden on any
motor vehicle dealer. Thus, a small
entity that complies with current law
need not take any different or additional
action under the Final Rule. Although
the Final Rule adopts a slightly revised
model notice, motor vehicle dealers are
not obligated to use the model notice.
Therefore, the Commission certifies that
amending the Prescreen Opt-Out Notice
Rule will not have a significant
economic impact on a substantial
number of small businesses.
Although the Commission certifies
under the RFA that the Final Rule will
not have a significant impact on a
substantial number of small entities,
and hereby provides notice of that
certification to the Small Business
Administration, the Commission
nonetheless has determined that
publishing a final regulatory flexibility
analysis (‘‘FRFA’’) is appropriate to
ensure that the impact of the rule is
fully addressed. Therefore, the
Commission has prepared the following
analysis:
A. Need for and Objectives of the Final
Rule
To address the Dodd-Frank Act’s
changes to the Commission’s
rulemaking authority, the amendments
clarify that the Rule applies only to
motor vehicle dealers and reinstate a
model form.
B. Significant Issues Raised in Public
Comments in Response to the IRFA
The Commission did not receive any
comments that addressed the burden on
small entities. In addition, the
Commission did not receive any
comments filed by the Chief Counsel for
Advocacy of the Small Business
Administration (‘‘SBA’’).
C. Estimate of Number of Small Entities
to Which the Final Rule Will Apply
The Commission anticipates that
many covered motor vehicle dealers
may qualify as small businesses
according to the applicable SBA size
standards. As explained in the IRFA,
however, determining a precise estimate
of the number of small entities is not
readily feasible. No commenters
addressed this issue. Nonetheless, as
discussed above, these amendments do
not add any additional burdens on any
covered small businesses.
VerDate Sep<11>2014 16:20 Sep 10, 2021 Jkt 253001 PO 00000 Frm 00013 Fmt 4700 Sfmt 4700 E:\FR\FM\13SER1.SGM 13SER1
lotter on DSK11XQN23PROD with RULES1
50850
Federal Register / Vol. 86, No. 174 / Monday, September 13, 2021 / Rules and Regulations
D. Projected Reporting, Recordkeeping,
and Other Compliance Requirements,
Including Classes of Covered Small
Entities and Professional Skills Needed
To Comply
The amendments impose no new
reporting, recordkeeping, or other
compliance requirements.
E. Description of Steps Taken To
Minimize Significant Economic Impact,
if Any, on Small Entities, Including
Alternatives
The Commission did not propose any
specific small entity exemption or other
significant alternatives because the
amendments will not increase reporting
requirements and will not impose any
new requirements or compliance costs.
VI. Other Matters
Pursuant to the Congressional Review
Act (5 U.S.C. 801 et seq.), the Office of
Information and Regulatory Affairs
designated this rule as not a ‘‘major
rule,’’ as defined by 5 U.S.C. 804(2).
Final Rule Language
List of Subjects in 16 CFR Parts 642 and
698
Consumer protection, Credit, Trade
practices.
For the reasons stated above, the
Federal Trade Commission amends title
16 of the Code of Federal Regulations as
follows:
PART 642—PRESCREEN OPT–OUT
NOTICE
1. Revise the authority section for part
642 to read as follows:
Authority: Pub. L. 108–159, sec. 311; 15
U.S.C. 1681m(d); 12 U.S.C. 5519(d).
2. In § 642.1, revise paragraph (b) to
read as follows:
§ 642.1 Purpose and scope.
* * * * *
(b) Scope. This part applies to any
motor vehicle dealer as defined in
§ 642.2 of this part that uses a consumer
report on any consumer in connection
with any credit or insurance transaction
that is not initiated by the consumer,
and that is provided to that motor
vehicle dealer under section 604(c)(1)(B)
of the FCRA (15 U.S.C. 1681b(c)(1)(B)).
3. In § 642.2, redesignate paragraph (b)
as paragraph (c) and add a new
paragraph (b) to read as follows:
§ 642.2 Definitions.
* * * * *
(b) Motor vehicle dealer means any
person excluded from Consumer
Financial Protection Bureau jurisdiction
as described in 12 U.S.C. 5519.
* * * * *
4. In § 642.3, revise the introductory
text to read as follows:
§ 642.3 Prescreen opt-out notice.
Any motor vehicle dealer that uses a
consumer report on any consumer in
connection with any credit or insurance
transaction that is not initiated by the
consumer, and that is provided to that
person under section 604(c)(1)(B) of the
FCRA (15 U.S.C. 1681b(c)(1)(B)), shall,
with each written solicitation made to
the consumer about the transaction,
provide the consumer with the
following statement, consisting of a
short portion and a long portion, which
shall be in the same language as the
offer of credit or insurance:
* * * * *
PART 698—MODEL FORMS AND
DISCLOSURES
5. The authority citation continues to
read as follows:
Authority: 12 U.S.C. 5519; 15 U.S.C.
1681m(h); 15 U.S.C. 1681s–3; Sec. 214(b),
Pub. L. 108–159.
6. Revise § 698.2 to read as follows:
§ 698.2 Legal effect.
The model forms and disclosures
prescribed by the FTC in this part do
not constitute a trade regulation rule.
The issuance of the model forms and
disclosures set forth in appendices A, B,
and C of this part carry out the directive
in the statute that the FTC prescribe
these forms and disclosures. Use or
distribution of the model forms and
disclosures in this part will constitute
compliance with any section or
subsection of the FCRA requiring that
such forms and disclosures be used by
any motor vehicle dealer subject to the
FTC’s rulemaking authority.
7. Add appendix C to part 698 to read
as follows:
Appendix C to Part 698—Model
Prescreen Opt-Out Notices
In order to comply with 16 CFR part 642,
the following model notices may be used:
(a) English language model notice—(1)
Short notice.
BILLING CODE 6750–01–P
VerDate Sep<11>2014 16:20 Sep 10, 2021 Jkt 253001 PO 00000 Frm 00014 Fmt 4700 Sfmt 4700 E:\FR\FM\13SER1.SGM 13SER1
lotter on DSK11XQN23PROD with RULES1
50851
Federal Register / Vol. 86, No. 174 / Monday, September 13, 2021 / Rules and Regulations
VerDate Sep<11>2014 16:20 Sep 10, 2021 Jkt 253001 PO 00000 Frm 00015 Fmt 4700 Sfmt 4725 E:\FR\FM\13SER1.SGM 13SER1
ER13SE21.001</GPH>
lotter on DSK11XQN23PROD with RULES1
r
(IOO~
f..
:I
OOO!l
Ptl-'0~
"
1.S..NAMf
Here's a Line About Credit
L!lName
:1D4&&ii!nd!Jani!et
m,,srll345
Dellrlllk.
.....
Bd.•-lastD9111Dy,-,_llllw1l!dlnalagy"""'
~
....,
......
mlllioll'.&t-•-•-adie--..Y,W1!5illlllinwlel;hnalogyllla5
dlangiiclllewafpeaplemlhillC"-lladinllleliistiCl!llbily,.-.sawhaw.
ledinalogyWi15cflandnlllllewafpeapled&ihq;s.Sb-Jlllil:IKlt11>--a
...,_........,,,._11aw~-dtanglllglhewarpeapte•
~
. .
Bdilid,efaaQlllltilly,-:,_1111w~WlfSc:haq;il,cllle'!filY:
......
clollliillp.S.....,..a11111m_a_litdaf
m!llitanl.
llatkn--
mnllll'f,
----1l!dlnall.w-~tlil!MIJ"
Backiillhe
!m
-,.;-.saw1111w~-
........
lhe.waf'IJll!lllllfetklthinj;sc
So
---•-•:111e1ast~.--a-~wasm..,..
_
_,........,.
......
.itad:
•-
tastQlllltilly,
w
,_.,_tedlniiagy
wasmu,gjng111e-,
JE1p1e
d&llliillp..5a!ft:.ar:Dlll:
ID_a_litdafaaditanl.Bad<
n-
lasE
--,,111!BsawhN
1l!!d'lnlita&y
IIAll~the
war~•
llliillp.
s,;,.,.
--••ns•ea-linilaf
aa11tG111LW
mt11e1ast<ll!lllltllY,
,.,_
._
ll!dlinclngy-cflandnlllh!-r...,..*llliillp.!it-setmltto.....,a
-till!l<l.aedlta-"lindafaedi'-.t.
l!ID-•-•-a,,ma,UinolafOl!dilc:anUladtili---.Y.-
5illll.,_11!idmnlagy'111i15dtangillg-war:pl!fltl1ec
tlai:li:m
the
lastG!llliaf,
111esawl!tM1il!dnralogJ_dtangillg_warpenpll!do~Sn.--
--
-
Hntaltlcinll
af
aalir:GINI. .
W.,,awhaWlll!idlill>li,gNil!i.diangmg
..............
~Sa.lllll!sl!t
-•-asm.i:tindaf·Ol!dilGINl..a..:ttirt-last--,,---
ladiiaolillY.
w..w.u...
~Cnditcml~
PRIIIIIIIIICIIII
R&DMC
MUllll:Elll
RlltlliU111$ll5
__.-SRBIIIIY
5IEl.1llllft
OMINEflrMIDllll'O
&IIUUIIH
'NIURIIAUINCE
MHDliUIIU.
RE-HEEIIF&!IIIDS
PIID6IUIIII
.YOII
catca-to5tq1,remwillgRpresaeener
'1fferof
ltnditar.-).fnnt
t:biiad~l:rJIIIIIIIIUII
11V
alllling~(IDll-fn2numllef'J;
or
lli&ilinf
(~l!Pl--lllN!blil:e].
See
PllfSCIIEBt
&
OPF-
OlffRODCE
on
1:11bersil.le
for~lollln:lonl
fi.11'~~
llbcillt~affi!ls.
50852
Federal Register / Vol. 86, No. 174 / Monday, September 13, 2021 / Rules and Regulations
(2) Long notice.
VerDate Sep<11>2014 16:20 Sep 10, 2021 Jkt 253001 PO 00000 Frm 00016 Fmt 4700 Sfmt 4725 E:\FR\FM\13SER1.SGM 13SER1
ER13SE21.002</GPH>
lotter on DSK11XQN23PROD with RULES1
l'!oml1!l:
•lll!ii.ieflir
·aiia::atili,;-C,
··~~.·--.~
~~:..,.~
.lli,i;to~oi
.
~~,if
•an··
.~-
;·~1-:
lliidi..lr.1ni,imt
~~J;l'il
·~~
~.
-:Bad<ii:IM!lim
e
·
,aut.tii:ailat,ni'.
j;,iilirj:i&Ql'.i:;i!"
•Cl'l!Oitcwil
~-~
··~.ir,ll,,,;41is1c~.~SIN(~~
....
~lhec~~.~~-.•s..~~~·
-~.,....
...
;il,idt;;;~
~---
,_.;~
....
~~~~~~iillhec,tld;~,
'"""l'r¥0!>.~iia..,11tt-1111'1wOl'Clll!O,;:'
~•~-tit~~
:~5Ti;r~=r~$~Z;~l;~~~~~ii!-~:::;~
50853
Federal Register / Vol. 86, No. 174 / Monday, September 13, 2021 / Rules and Regulations
(b) Spanish language model notice—(1)
Short notice.
VerDate Sep<11>2014 16:20 Sep 10, 2021 Jkt 253001 PO 00000 Frm 00017 Fmt 4700 Sfmt 4725 E:\FR\FM\13SER1.SGM 13SER1
ER13SE21.003</GPH>
lotter on DSK11XQN23PROD with RULES1
ilf<
lf
-,
f,c;izl··t
I'll'
I
rt
it,11
~t
flt'll··1•·1
:r
ff!
•.
:.•.-.·.'·
;
••
..
·
..
•·.1.·
...
·!·•·•.•.•.·•·I.·.•.·
.•
1.
·.;
·.··1.
ir····.·.1
..
..
··.··.·.J
..•
:.•.·
..
·.·
..
t..•
..
•.·.·.
1
1·.•.'..·.1.··
•.
·
.·.1•.•··•.1.•.t
..
·.·.•.•.1.·
..
·.·····.,.1.•·.·
.•
·.,.!
...
•.·.···i,
.•
··
1
1.·•.·.·.·.i
...
•.•.•.··•.•.·
1
•.·.
1
1·.•·•·••.•·.·.·.•.f
•.
•.
·.·!···•.:·•.••
.•
rt.·:
...
•.·.•.·
:
•.
i.·.:
...
··.·.••.1.·.·;..·.•·,·:.····•.
•.·.·.•.•·'··
..
·.:·•.·.•
· ........
·····.·
...
· .. ·
·1•.•··i·
<IJ
.,.·.
'
.vii.
·1
.'JJJl!.lf
"'
'l
i•lli"'•fTI
l
i~~
;
.
·.·
...
1
..
i!•.•.·.··.'·
.·.··••···,..
J
.·l·.···
..
....
•.•
....
l.r.J....
~
..
··
..
···.'
..
·····•
..
'·:
...
1il'.·•·.·•.···'J•:.J..
'·•.··•
..
:1
.....
···•.•.!;·•·.··.!.,.·.•••·
·1·&"··.·•····l
·.•.:.•.i.
1
..
•.··a·•·'.·r····
·.·It
..
····
..
'
··.•.·
..
J.
;.•.l.•.•.i.
I ,ff,,
. . ,
JI!
I r 1,' I ,
m,
. i
f,tl
i w I i
!r
i ; .
Jt
r
'a'..,
:;:~11:
,'f,rf
·••
l i.
1f
l)'
f.j/i
!:;ar•m
i
"'
~-'
;
ll
l . 1
tr'l
·d,.1·
1
'f
·'t
'Ji'lf
·
*l
.
,
;:
..
i;·:~.:
•·l··.•.1.1.1
...
·•.·'.
l.
'11.
<.:,.:11:
1.
.•.
1.1
.•...
r:
'•·.1.r1
..
i.••.Q1J
!a.···
...
Z.·.';'
..
·~.··
..
·11.-.~
l·.
·.J•·:Q·l·,·1ill"·.
·
&.·•1
..
•·1ll
\f···l•-.··.1.·
....
m·.
!!
l'i'l l!r' -
Jij'·•·
.··
111
·
·.
- ·
...
•iii'.~
Ir·•··
. . .
.·,.·BT
···1
I!!
iii'.
5
f·.:
·;
·•·
..
·!!J
.•.
;.
••·
.
•.·
.;
•.
·••.
.···.
.. :
Ill
I:
<Jll
lttl~
lili:. ;
r.,f_Jl
·.·
·rt
,_t
=.·····.·•
s
...
·
...
'·'.
•.
•.111..·.
·.·
•.
•.•
...
t.··
...
·
......
"I·
..
·
..
·
...
·
..
·
..
~
...
·.
.·.·.i
..
,i
...
'_
..
·.-1:1.
-
...
•.••··~
..
··
....
1
..
I·•··.
.·'·
·
..
·
...
·l
...
·
..
·•·.··
..
·11'
..
".·
·•···•·•···'•.··.·...
•···
..•
·
.•
..•.
·.··.>.•
·1·.··•··.···
..............
·.I
.
=--
"
II•
li:5!
!f§i
It M '111(.ff
..
II)',
"
~gli
f
~
·
Iflrj
f :'!~l lt
;t
·
1:.
i··;
..
..
•·
·.iii'.
:1··
..
a:[
..
I.
J..·.!
..
•·j·:·•··i
..
i•
.ir.·.•.·.·.[••···.!.ll
.. ·
...
t···•.··.·
·
}1'···.··•·•.i
f;···l·•.•.•:~·iir
t 9
f.
t
·1.111-
1
.lli'
"'.·vJ1·
•t,.
·1.1··,111'.
..
·
ilf;
~··
~..
f.·.··.1.·
·.
·.i.·..
(I
II".··.·
.
;.•.
..
,
..
·..
..
fl.··.•.
:.'"
-,. .
··.
. .
•.·
;;.:...
•. .
'.
i!r
A
·
·1•·
u.
·
·.
·'
-·[:
.11t
,f
i:!i
'1.·
ill
;.
1·.
.....
..
.
·.'
,.
'.
II'
.
'!11,'
'
...
• '
•111
.....
··,::,··•
p ..
·•
· ·
11
.
111.
. ·"'
ill'·
..
Ir• "
;
~.·
:;;
.··
.;,..
··.·· .
·,
.
i
..
·.
"'.·
......
1:
..
-.
·.·:i;.
·.·.·
,1
l4,~•.
~,
:l
. : I
·1!
.
:irt.·
·.·
·•
t.·
·
.·..
·
..
1.··
·l
·:
·.·
11
.
Ii''-<~
:
..
··
·:··
··
....
·. !
·,·
•·•
. . i
t-l,
: , i .
,,
. . . ·
.1
. . .
..
:
..•
. l
l.l.
.
,,
...
,
...
:.·.·.·•.'
... ·
...
'.
·.
:'.
·.•··.·.·.•Ii.
II'
1
..
Q......
,..
.1.·.::.I
1..
l.1·:.
.••
~.'.
JI
'.·I·.•·
I.
r
!!.
...
.
!ill
:r-.
I
..
i
I
ai
lli
:1)
1
: , r .
",
>:
· :
fflJ
I
a..
·
..
,.
·
..
""
..
....
r:
..._,
rD
fJI
..
-~
::,
-
-!Ii
:,
JD
Dl
V,
n
··~
·It
-■
.-,....·
'0'
50854
Federal Register / Vol. 86, No. 174 / Monday, September 13, 2021 / Rules and Regulations
(2) Long notice.
By direction of the Commission.
April J. Tabor,
Secretary.
[FR Doc. 2021–19465 Filed 9–10–21; 8:45 am]
BILLING CODE 6750–01–C
DEPARTMENT OF HEALTH AND
HUMAN SERVICES
Food and Drug Administration
21 CFR Part 1141
[Docket No. FDA–2019–N–3065]
RIN 0910–AI39
Tobacco Products; Required Warnings
for Cigarette Packages and
Advertisements; Delayed Effective
Date
AGENCY
: Food and Drug Administration,
HHS.
ACTION
: Final rule; delay of effective
date.
SUMMARY
: As required by an order
issued by the U.S. District Court for the
Eastern District of Texas, this action
delays the effective date of the final rule
(‘‘Tobacco Products; Required Warnings
for Cigarette Packages and
Advertisements’’), which published on
March 18, 2020. The new effective date
is October 11, 2022.
DATES
: The effective date of the rule
amending 21 CFR part 1141 published
March 18, 2020, at 85 FR 15638, and
delayed at 85 FR 32293, May 29, 2020;
86 FR 3793, January 15, 2021; and 86 FR
36509, July 12, 2021, is further delayed
until October 11, 2022.
FOR FURTHER INFORMATION CONTACT
:
Courtney Smith, Office of Regulations,
Center for Tobacco Products, Food and
Drug Administration, Document Control
VerDate Sep<11>2014 16:20 Sep 10, 2021 Jkt 253001 PO 00000 Frm 00018 Fmt 4700 Sfmt 4700 E:\FR\FM\13SER1.SGM 13SER1
ER13SE21.004</GPH>
lotter on DSK11XQN23PROD with RULES1
f
1'l.
11
it
ru
1
1.t.UlJ
1
.·,
11.'l.lUf
W
HHttJt.
1
l.rn•
..
~
,..1
•·
1
1•
IPldl"·,l'J.l"·••".1
•r'1'l·i'P1".l
Ul
lhf
.t1·;.ll
1
·i.·.11,.i11.J.f.rt11.:tl.l
t1i.ll.t{
1
~:.•.ft1.
1
:
ti,
If.It
l1t1
fl1•lb,••lf:1•ll
r1!lh•
lP1l1
1h
m
..
,
,h,1
..
it.t'H.1~1."tt.·.111
..
1.111.·
..
n.1~.·1.111.t1
-I
I'
il,U
ff
•ff
if
rfli
r·f
1f
•i
l,11-r•11
!f•
i
.
.
1·11
1·1.•lt-.
1,.
!-if
h
1J1f1
1.1..,.h
...
11,1·
1
·l.·1l1.nJ~,i.irh
,1 .
111:f'
,ai1f
..
,.
•-l-1·•
,.Ip,
..
l•1
l"·l1r•·1p·.
1.·.1
l
IT
l t
,
..
'·•1.
11·1'
i
..
1.•.jll
Jl !
11111
l ·
•ill
I " I
rt
·I.
.
I'
·.
r I J
!I'
..
I
!I'
I
h•
J·.lt.tJ·
1.111'.·
.-.~.·'.
1
..
·''1".1,1,
..
,.
.''t
..
,1•·1.
1
'.1·l.·1·.'·
l,
I
HJ
'J.'
l••lll
+I
l-1:
· f
Ul
"·:l•
A-t1•
1
IH
!1
.t
tl1it
ii~t'i
ti
tttWt
NfitltdU'f
•1
1
..
l
1.IJ.,J.1
...
1
1
.f
1
,,.11\
.frl.
i.l
f1
.1dl
i}.
4
1·b.
1
.li.f
1
.•.lll'.'.l
1
•.
tll
H
1,
••
11
1
-.
!
ti
l!
1
n i
1ilh1,
11
1
11·.J
.t:i·.·1·
..
·l
U'."1·.•.1·r·1·
~.
,1
.........
1·.l
••·1.'.1'1
11-•.•.•.t
..
llrr
1.•1
..
I l }• ; .
1f.
I d
Ir
ll•
} 1 f '1 .
ff.Ii'
I
l',
J
1
t-'
1
J.
1
1l!•·
il
JI
1'1'
1
11:
I 1
1i
11·1
Ht
1
l!tUl
'l
•rt·l i ·
11
i1
.
tnru.·
..
r
Jf
(-1
f · 111 1 ·
l,
1111n11ru
IJ11Jli~t'lt
'I
r.
. ,
..
f1'1
n
1
1Ullf':
II
•1·
I,
It
1 u
1
UH.J
,,
111•1•
II
1U
1•t
1!1
l1
l
lh
....
111·
I g
t1f
f1
I''
.,,
I j
I li
u
u
,
...
!1
i'
lf
II
11·
I'·

VLEX uses login cookies to provide you with a better browsing experience. If you click on 'Accept' or continue browsing this site we consider that you accept our cookie policy. ACCEPT