Federal Old-Age, Survivors, and Disability Insurance; Disclosure of Information to Consumer Reporting Agencies and Overpayment Recovery Through Administrative Offset Against Federal Payments

SOCIAL SECURITY ADMINISTRATION

20 CFR Parts 404 and 422

RIN 0960-AE09

Federal Old-Age, Survivors, and Disability Insurance; Disclosure

of Information to Consumer Reporting Agencies and Overpayment Recovery

Through Administrative Offset Against Federal Payments

AGENCY: Social Security Administration.

ACTION: Proposed rules.

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SUMMARY: We propose to make several revisions to our regulations

dealing with debt collection. First, we propose to modify the

regulations dealing with the recovery of benefit overpayments under

title II of the Social Security Act (the Act) to reflect statutory

authority for the Social Security Administration (SSA) to selectively

refer information to consumer reporting agencies and to recover title

II overpayments through administrative offset by the Department of the

Treasury against other Federal payments to which the overpaid

individual may be entitled. These collection practices would be limited

to overpayments made to a person after he or she attained age 18 that

are determined to be otherwise unrecoverable under section 204 of the

Act after the individual ceases to be a beneficiary under title II of

the Act. Second, as an independent agency in the executive branch of

the U.S. Government, we propose to establish a new subpart D in part

422 of title 20 of the Code of Federal Regulations which will explain

our rules on debt collection procedures for both administrative debts

and for title II program overpayments determined to be otherwise

unrecoverable under section 204 of the Act. These proposed rules for

the new subpart D would address the reporting of delinquent debts to

consumer and other credit reporting agencies and the use of

administrative offset through the Department of the Treasury. Third, we

propose to revise our rules on the recovery of title II program

overpayments through the use of the Federal income tax refund offset

(TRO) provisions to reflect that, beginning January 1, 1998, the

Department of the Treasury, rather than the Internal Revenue Service

(IRS), will administer the TRO program, and to reflect other changes in

policies and procedures applied by the IRS and the Department of the

Treasury in the TRO program.

DATES: To be sure your comments are considered, we must receive them no

later than October 6, 1997.

ADDRESSES: Comments should be submitted in writing to the Commissioner

of Social Security, P.O. Box 1585, Baltimore, Maryland 21235, sent by

telefax to (410) 966-2830, sent by e-mail to ``[email protected],''

or delivered to the Division of Regulations and Rulings, Social

Security Administration, 3-B-1 Operations Building, 6401 Security

Boulevard, Baltimore, MD 21235, between 8:00 a.m. and 4:30 p.m. on

regular business days. Comments may be inspected during these same

hours by making arrangements with the contact person shown below.

FOR FURTHER INFORMATION CONTACT: Robert J. Augustine, Legal Assistant,

Division of Regulations and Rulings, Social Security Administration,

6401 Security Boulevard, Baltimore, MD 21235, (410) 966-5121. For

information on eligibility or claiming benefits, call our national

toll-free number, 1-800-772-1213.

SUPPLEMENTARY INFORMATION: Section 204 of the Act prescribes the

methods SSA may use to recover Social Security benefits erroneously

paid under title II of the Act (title II program overpayments), as

distinguished from the methods SSA may use to collect other debts owed

the agency (administrative debts) that are recoverable under other

statutory authority. Until recently, SSA was authorized to recover

title II program overpayments only through adjustment of future

benefits payable to the overpaid individual or to others on the

earnings record on which the overpayment was made, by direct recovery

from the overpaid person (or the overpaid person's estate, if

deceased), or by offset against Federal income tax refunds due from the

Department of the Treasury. Amendments to section 204 of the Act by

section 5 of Pub. L. 103-387 (1994) and section 31001(z)(2) of Pub. L.

104-134 (1996) permit SSA to use several debt collection procedures

that have

[[Page 42440]]

been available to Federal agencies (including SSA) by statute since

1982, but that SSA had been precluded from using to recover title II

program overpayments. Among other things, these procedures include

reporting delinquent debts to consumer and other credit reporting

agencies and recovering debts by administrative offset against other

Federal payments to which the debtor is entitled. Under section 204(f)

of the Act (42 U.S.C. 404(f)), these additional debt collection

procedures may be used to recover title II program overpayments only if

the overpayment was made to a person after he or she attained age 18

and the overpayment has been determined to be otherwise unrecoverable

under section 204 of the Act after the overpaid person is no longer

entitled to benefits under title II of the Act.

Before we can refer information to consumer or other credit

reporting agencies or refer a debt to the Department of the Treasury

for administrative offset (either title II program overpayments or

administrative debts), we must (1) send the debtor written notice (or,

in the case of an individual for whom we do not have a current address,

take reasonable action to locate and send written notice) describing

the amount and nature of the debt, the action that we propose to take,

and the debtor's rights to an explanation of the debt, to request us to

review the debt, to dispute the accuracy of the information about the

debt, and to inspect or copy our records about the debt; and (2) give

the debtor at least 60 calendar days to present evidence that all or

part of the debt is not past-due or not legally enforceable, or enter

into a written agreement to pay the debt.

Prior to March 31, 1995, SSA was an operating division of the

Department of Health and Human Services (DHHS). SSA relied on the DHHS

rules at 45 CFR part 30 for debt collection (other than collection of

title II program overpayments). The Social Security Independence and

Program Improvements Act of 1994 (SSIPIA), Pub. L. 103-296, established

SSA as an independent agency in the executive branch of the Federal

government effective March 31, 1995, and vested general regulatory

authority in the Commissioner of Social Security (the Commissioner).

Under section 106(b) of the SSIPIA, DHHS regulations in effect

immediately before March 31, 1995, which relate to functions now vested

in the Commissioner by reason of SSA's independence, continue to apply

to SSA until such time as they are modified, suspended, terminated, or

repealed by the Commissioner. In this rule, we propose to establish a

new subpart D in part 422 of our regulations which will set forth the

SSA rules on debt collection for title II program overpayments that

have been determined to be otherwise unrecoverable under section 204 of

the Act and for administrative debts. At this time, we propose to set

forth in subpart D our rules on referral to consumer and other credit

reporting agencies and referral to the Department of the Treasury for

administrative offset. In the future, as we make the necessary systems

changes and develop policies and procedures to enable us to use

additional debt collection tools for recovery of title II program

overpayments, we will modify subpart D of part 422. In the meantime, we

will continue to rely on the definitions and collection methods

contained in the DHHS regulations in 45 CFR part 30 to recover

administrative debts owed the Federal government.

We are also proposing revisions to our existing rules on the

recovery of title II program overpayments through the withholding of

amounts due to former beneficiaries as Federal income tax refunds to

reflect the fact that, beginning January 1, 1998, the Federal income

tax refund offset (TRO) program will be administered by the Department

of the Treasury, Financial Management Service (FMS), instead of the

IRS. The policy requiring agencies to delay referral of debts for TRO

for three months after the right to collect first accrued has been

rescinded. Also, the TRO program, as administered by FMS, will be

ongoing rather than cyclical so that it will no longer be necessary for

agencies to recertify amounts for collection by TRO each year. Instead,

the case will remain with FMS for offset in succeeding years.

Explanation of Changes to Regulations

We propose to revise our title II rules on TRO at Secs. 404.520-

404.526 to reflect the fact that, beginning January 1, 1998, we will be

referring title II program overpayments for TRO to the Department of

the Treasury, rather than to IRS. Section 404.520 would be revised to

delete the requirement that a debt may not be referred for TRO before

the expiration of three months after our right to collect first

accrued. Section 404.526 would also be revised by deleting reference to

the need to recertify an overpayment for TRO in cases where a tax

refund is insufficient to recover an overpayment in a given year,

reflecting the fact that the case will now remain with the Department

of the Treasury for offset in succeeding years without need for

recertification.

We propose to add a new Sec. 404.527 to our regulations to explain

that we will use the additional debt collection methods authorized by

section 204(f) of the Act to recover title II program overpayments if

the overpayment occurred after the individual attained age 18, and the

overpayment has been determined to be otherwise unrecoverable under

section 204 of the Act after the individual is no longer entitled to

benefits under title II of the Act. Proposed Sec. 404.527 also contains

the criteria under which we determine that an overpayment is

``otherwise unrecoverable under section 204 of the Act.'' An

overpayment debt will be determined to be unrecoverable when all of the

following conditions are met: we completed our billing sequence or

collection activity has been suspended or terminated in accordance with

the Federal Claims Collection Standards in 4 CFR 104.2 and 104.3; there

is no installment payment agreement or the overpaid person has failed

to pay in accordance with such an agreement for two consecutive months;

we cannot collect the overpayment by adjusting benefits payable to

individuals other than the overpaid person. For purposes of proposed

Sec. 404.527, an overpayment will be deemed to be unrecoverable by

adjustment of benefits payable to an individual who lived in a separate

household from the overpaid person when the overpayment occurred and

did not receive the overpayment. Adjustment of benefits is waived when

waiver is requested under these circumstances. See 20 CFR 404.509.

We propose to add to Sec. 404.903 new paragraphs (t) and (u) to

include in the list of administrative actions that are not initial

determinations our determinations whether we will refer information

about an overpayment debt to consumer reporting agencies and whether we

will refer the debt to the Department of the Treasury for offset

against other Federal payments due the overpaid person. Administrative

actions that are not initial determinations may be reviewed by us, but

they are not subject to the administrative review process provided by

subpart J of our regulations at 20 CFR part 404, and they are not

subject to judicial review.

We also propose to create a new subpart D to part 422 of our

regulations to contain our rules on certain debt collection practices

and procedures. In Sec. 422.301, we would specify that the debt

collection tools in subpart D may be used to recover both title II

program overpayments the Commissioner has determined to be

unrecoverable under section 204 of the Act and overdue administrative

debts owed the agency.

[[Page 42441]]

In Sec. 422.305, we explain that we will refer all overdue title II

program debts over $25 to consumer reporting agencies. We describe the

information we must include in the notice we send to the debtor before

we report the debt to a consumer reporting agency. We also explain in

this section that, in cases where an individual disputes the

information we propose to refer to a consumer reporting agency within

60 calendar days of our notice of our proposed referral, we will not

send the information until we determine the correct information.

In Sec. 422.306, we explain that we will refer all overdue

administrative debts over $25 to credit reporting agencies. We also

describe the information we must include in the notice we send to the

debtor before we report the debt to a credit reporting agency. Examples

of administrative debts are overpayments of employees' pay and

allowances, debts for civil money penalties imposed under section

1140(b) of the Act, debts for unpaid fees for reimbursable services by

SSA (e.g., disclosure of information), contractor debts, etc.

In Sec. 422.310, we explain our rules relating to referring debts

to the Department of the Treasury for administrative offset.

Specifically, we explain that we will refer overdue debts over $25 to

the Department of the Treasury for offset against any Federal payments

due the debtor. We also describe the information we must include in the

notice we send to the debtor before referring the debt to the

Department of the Treasury for administrative offset.

In Sec. 422.315, we explain that a debtor has the right to inspect

or copy our records related to a debt before we refer the debt to a

consumer or credit reporting agency or to the Department of the

Treasury for administrative offset, and the procedures for exercising

that right.

In Sec. 422.317, we explain that a debtor has the right to have us

review the debt. To exercise this right, the debtor must notify us

within 60 calendar days from the date of our notice of proposed

referral and give us evidence that he or she does not owe all or part

of the debt, or we do not have the right to collect it. After our

review of the evidence, we explain that we will issue written findings

of our review. If the debtor requests review and submits evidence

within the 60-day period, we will not refer the debt to consumer or

credit reporting agencies or to the Department of the Treasury unless

and until we have completed our review and sent our findings to the

debtor that all or part of the debt is overdue and legally enforceable.

Electronic Version

The electronic file of this document is available on the Federal

Bulletin Board (FBB) at 9:00 a.m. on the date of publication in the

Federal Register. To download the file, modem dial (202) 512-1387. The

FBB instructions will explain how to download the file and the fee. The

file is in WordPerfect and will remain on the FBB during the comment

period.

Regulatory Procedures

Executive Order 12866

We have consulted with the Office of Management and Budget (OMB)

and determined that these proposed rules do not meet the criteria for a

significant regulatory action under Executive Order 12866. Thus, they

were not subject to OMB review.

Regulatory Flexibility Act

We certify that these proposed regulations will not have a

significant impact on a substantial number of small entities.

Therefore, a regulatory flexibility analysis, as provided in the

Regulatory Flexibility Act, as amended, is not required.

Paperwork Reduction Act

These proposed regulations will impose no new reporting or

recordkeeping requirements requiring OMB clearance.

(Catalog of Federal Domestic Assistance Programs No. 96.001, Social

Security--Disability Insurance; 96.002 Social Security--Retirement

Insurance; 96.003 Social Security--Special Benefits for Persons Aged

72 and Over; 96.004, Social Security--Survivors Insurance)

List of Subjects

20 CFR Part 404

Administrative practice and procedure, Blind, Death benefits,

Disability benefits, Old-Age, Survivors and Disability Insurance,

Reporting and recordkeeping requirements, Social security.

20 CFR Part 422

Administrative practice and procedure, Organization and functions

(Government agencies), Social security.

Dated: July 28, 1997.

John J. Callahan,

Acting Commissioner of Social Security.

For the reasons set out in the preamble, we propose to amend

subparts F and J of part 404 of chapter III of title 20 of the Code of

Federal Regulations and to add a new subpart D to part 422 of chapter

III of title 20 of the Code of Federal Regulations as follows:

1. The authority citation for subpart F of Part 404 is revised to

read as follows:

Authority: Secs. 204, 205(a), and 702(a)(5) of the Social

Security Act (42 U.S.C. 404, 405(a), and 902(a)); 31 U.S.C. 3720A.

2. Section 404.520 is revised to read as follows:

Sec. 404.520 Referral of overpayments to the Department of the

Treasury for tax refund offset--General.

(a) The standards we will apply and the procedures we will follow

before requesting the Department of the Treasury to offset income tax

refunds due taxpayers who have an outstanding overpayment are set forth

in Secs. 404.520 through 404.526. These standards and procedures are

authorized by 31 U.S.C. 3720A and are implemented through Department of

the Treasury regulations at 26 CFR 301.6402-6.

(b) We will use the Department of the Treasury tax refund offset

procedure to collect overpayments that are certain in amount, past due

and legally enforceable, and eligible for tax refund offset under

regulations issued by the Department of the Treasury. We will use these

procedures to collect overpayments only from individuals who are not

currently entitled to monthly Social Security benefits under title II

of the Act. We will refer an overpayment to the Department of the

Treasury for offset against tax refunds no later than 10 years after

our right to collect the overpayment first accrued.

3. Section 404.521 is amended by revising the introductory text to

read as follows:

Sec. 404.521 Notice to overpaid individual.

A request for reduction of a Federal income tax refund will be made

only after we determine that an amount is owed and past due and send

the overpaid individual written notice. Our notice of intent to collect

an overpayment through tax refund offset will state:

* * * * *

4. Section 404.526 is revised to read as follows:

Sec. 404.526 Tax refund insufficient to cover amount of overpayment.

If a tax refund for a given taxable year is insufficient to recover

an overpayment completely, the case will remain with the Department of

the Treasury for offset, assuming that all criteria for offset continue

to be met.

5. Section 404.527 is added to read as follows:

[[Page 42442]]

Sec. 404.527 Additional methods for recovery of title II benefit

overpayments.

(a) General. In addition to the methods specified in Sec. 404.502

and Sec. 404.520, an overpayment under title II of the Act is also

subject to recovery under the rules in subpart D of part 422, provided:

(1) The overpayment occurred after the individual has attained age

18;

(2) The overpaid individual is no longer entitled to benefits under

title II of the Act; and

(3) Pursuant to paragraph (b) of this section, we have determined

that the overpayment is otherwise unrecoverable under section 204 of

the Act.

(b) When an overpayment is considered to be otherwise

unrecoverable. An overpayment under title II of the Act is considered

to be otherwise unrecoverable under section 204 of the Act if all of

the following conditions are met:

(1) Our billing system sequence has been completed (i.e., we have

sent the individual an initial notice of the overpayment, a reminder

notice, and a past-due notice) or collection activity has been

suspended or terminated in accordance with the Federal Claims

Collection Standards in 4 CFR 104.2 or 104.3.

(2) We have not entered into an installment payment arrangement

with the overpaid individual or, if we have entered into such an

arrangement, the overpaid individual has failed to make any payment for

two consecutive months.

(3) The overpaid individual has not requested waiver pursuant to

Sec. 404.506 or Sec. 404.522 or, after a review conducted pursuant to

those sections, we have determined that we will not waive collection of

the overpayment.

(4) The overpaid individual has not requested reconsideration of

the initial overpayment determination pursuant to Secs. 404.907 and

404.409 or, after a review conducted pursuant to Sec. 404.913, we have

affirmed, in whole or in part, the initial overpayment determination.

(5) The overpayment cannot be recovered pursuant to Sec. 404.502 by

adjustment of benefits payable to any individual other than the

overpaid individual. For purposes of this paragraph, an overpayment

will be deemed to be unrecoverable from any individual who was living

in a separate household from the overpaid person at the time of the

overpayment and did not receive the overpayment.

6. In addition to the amendments set forth above, remove the

acronym ``IRS'' and add, in its place, the words ``Department of the

Treasury'' in the following places:

(a) Section 404.521(b);

(b) Section 404.522(b);

(c) Section 404.523(a) and (c); and

(d) Section 404.525.

7. The authority citation for subpart J of Part 404 is revised to

read as follows:

Authority: Secs. 201(j), 204(f), 205(a), (b), (d)-(h), and (j),

221, 225, and 702(a)(5) of the Social Security Act (42 U.S.C.

401(j), 404(f), 405(a), (b), (d)-(h), and (j), 421, 425, and

902(a)(5)); 31 U.S.C. 3720A; sec. 5, Pub. L. 97-455, 96 Stat. 2500

(42 U.S.C. 405 note); secs. 5, 6(c)-(e), and 15, Pub. L. 98-460, 98

Stat. 1802 (42 U.S.C. 421 note).

8. Section 404.903 is amended by deleting the word ``and'' at the

end of paragraph (r), replacing the period at the end of paragraph (s)

with a semicolon, and adding paragraphs (t) and (u) to read as follows:

Sec. 404.903 Administrative actions that are not initial

determinations.

* * * * *

(t) Determining whether we will refer information about your

overpayment to a consumer reporting agency (see Sec. 404.527 and

Sec. 422.305 of this chapter); and

(u) Determining whether we will refer your overpayment to the

Department of the Treasury for collection by offset against Federal

payments due you (see Sec. 404.527 and Sec. 422.310 of this chapter).

PART 422--ORGANIZATION AND PROCEDURES

10. Subpart D is added to read as follows:

Subpart D--Claims Collection

Sec.

422.301 Material included in this subpart.

422.305 Report of overdue title II program overpayment debts to

consumer reporting agencies.

422.306 Report of overdue administrative debts to credit reporting

agencies.

422.310 Collection of overdue debts by administrative offset.

422.315 Review of our records related to the debt.

422.317 Review of the debt.

Subpart D--Claims Collection

Authority: Secs. 204(f), 205(a), and 702(a)(5) of the Social

Security Act (42 U.S.C. 404(f), 405(a), and 902(a)(5)); 31 U.S.C.

3711(e); 31 U.S.C. 3716.

Sec. 422.301 Material included in this subpart.

This subpart describes the procedures relating to collection of:

(a) Overdue administrative debts, and

(b) Overdue title II program overpayments described in Sec. 404.527

of this chapter.

Sec. 422.305 Report of overdue title II program overpayment debts to

consumer reporting agencies.

(a) Debts we will report. We will report to consumer reporting

agencies all overdue title II program overpayment debts over $25.

(b) Notice to debtor. Before we report any such debt to a consumer

reporting agency, we will send the debtor written notice of the

following:

(1) We have determined that payment of the debt is overdue;

(2) We will refer the debt to a consumer reporting agency within

not less than 60 calendar days after the date of the notice unless,

within that 60-day period, the debtor pays the full amount of the debt

or takes either of the actions described in paragraphs (b)(6) or (b)(7)

of this section;

(3) The specific information we will provide to the consumer

reporting agency, including information that identifies the debtor

(e.g., name, address, and social security number) and the amount,

status, and history of the debt;

(4) The debtor has the right to a complete explanation of the debt;

(5) The debtor may dispute the accuracy of the information to be

provided to the consumer reporting agency;

(6) The debtor may request a review of the debt by giving us

evidence showing that he or she does not owe all or part of the amount

of the debt or that we do not have the right to collect it; and

(7) The debtor may request an installment payment plan.

(c) Disputing the information that we would send to consumer

reporting agencies. If a debtor believes that the information we

propose to send to consumer reporting agencies is incorrect, the debtor

may ask us to correct such information. If, within 60 calendar days

from the date of our notice described in paragraph (b) of this section,

the debtor notifies us that any information to be sent to consumer

reporting agencies is incorrect, we will not send the information to

consumer reporting agencies until we determine the correct information.

Sec. 422.306 Report of overdue administrative debts to credit

reporting agencies.

(a) Debts we will report. We will report to credit reporting

agencies all overdue administrative debts over $25. Some examples of

administrative debts are as follows: overpayments of pay and allowances

paid to employees, debts for civil monetary penalties imposed under

section 1140(b) of the Act, debts for unpaid fees for reimbursable

services

[[Page 42443]]

performed by SSA (e.g., disclosures of information), and contractor

debts.

(b) Notice to debtor. Before we report any administrative debt to a

credit reporting agency, we will send the debtor written notice of the

following:

(1) We have determined that payment of the debt is overdue;

(2) We will refer the debt to a credit reporting agency within not

less than 60 calendar days after the date of the notice unless, within

that 60-day period, the debtor pays the full amount of the debt or

takes either of the actions described in paragraphs (b)(6) or (b)(7) of

this section;

(3) The specific information we will provide to the credit

reporting agency, including information that identifies the debtor

(e.g., name, address, social security number, and employer

identification number) and the amount, status, and history of the debt.

(4) the debtor has the right to a complete explanation of the debt;

(5) the debtor may dispute the accuracy of the information to be

provided to the credit reporting agency;

(6) the debtor may request a review of the debt by giving us

evidence showing that he or she does not owe all or part of the amount

of the debt or that we do not have the right to collect it; and

(7) the debtor may request an installment payment plan.

Sec. 422.310 Collection of overdue debts by administrative offset.

(a) Referral to the Department of the Treasury for offset. We will

recover overdue debts by offsetting Federal payments due the debtor

through the Treasury Offset Program (TOP). TOP is a Governmentwide

delinquent debt matching and payment offset process operated by the

Department of the Treasury, whereby debts owed to the Federal

Government are collected by offsetting them against Federal payments

owed the debtor.

(b) Debts we will refer. We will refer for administrative offset

all overdue debts over $25.

(c) Notice to debtor. Before we refer any debt for collection by

administrative offset, we will send the debtor written notice that:

(1) We have determined that payment of the debt is overdue;

(2) We will refer the debt for administrative offset within not

less than 60 calendar days after the date of the notice unless, within

that 60-day period, the debtor pays the full amount of the debt or

takes either of the actions described in paragraphs (c)(4) or (c)(5) of

this section;

(3) The debtor may inspect or copy our records relating to the

debt;

(4) The debtor may request a review of the debt by giving us

evidence showing that the debtor does not owe all or part of the amount

of the debt or that we do not have the right to collect it; and

(5) The debtor may request an installment payment plan.

Sec. 422.315 Review of our records related to the debt.

(a) Notification by the debtor. The debtor may request to inspect

or copy our records related to the debt.

(b) Our response. In response to a request from the debtor

described in paragraph (a) of this section, we will notify the debtor

of the location and time at which the debtor may inspect or copy our

records related to the debt. We may also, at our discretion, mail to

the debtor copies of the records relating to the debt.

Sec. 422.317 Review of the debt.

(a) Notification and presentation of evidence by the debtor. A

debtor who receives a notice described in Secs. 422.305(b), 422.306(b),

or 422.310(c) has a right to have us review the debt. To exercise this

right, within 60 calendar days from the date of our notice, the debtor

must notify us and give us evidence that he or she does not owe all or

part of the debt or that we do not have the right to collect it. If the

debtor does not notify us and give us this evidence within the 60

calendar-day period, we may take the action described in our notice.

(b) Review of the evidence. If the debtor notifies us and presents

evidence within the 60 calendar day period described in paragraph (a)

of this section, we will not take the action described in our notice

unless and until we consider all of the evidence and send the debtor

our findings that all or part of the debt is overdue and legally

enforceable.

(c) Findings by SSA. Following our review of all of the evidence

presented, we will issue written findings, including the supporting

rationale for the findings. Issuance of these findings will be the

final Agency action on the debtor's request for review. If we find that

the debt is not overdue or we do not have the right to collect it, we

will not send information about the debt to consumer or other credit

reporting agencies or refer the debt to the Department of the Treasury

for administrative offset.

[FR Doc. 97-20742 Filed 8-6-97; 8:45 am]

BILLING CODE 4190-29-P