57.001 SOCIAL INSURANCE FOR RAILROAD WORKERS

FEDERAL AGENCY: RAILROAD RETIREMENT BOARD AUTHORIZATION: Social Security Act of 1935, as amended, Public Law 74-271, 49 Stat. 620, 42 U.S.C. Chapter 7, Subchapter 2; Railroad Unemployment Insurance Act, as amended, Public Law 75722, 52 Stat. 1094, 45 U.S.C. 351-367; Railroad Retirement Act of 1974, as amended, Public Law 93-445, 88 Stat. 1305, 45 U.S.C. 231-231u.

OBJECTIVES: To pay rail social security, rail industry pensions, vested dual benefits, supplemental annuities, permanent and occupational disability, and sickness and unemployment benefits to workers and their families.

TYPES OF ASSISTANCE: Direct Payments with Unrestricted Use. USES AND USE RESTRICTIONS: Under the provisions of the Railroad Retirement Act and the Railroad Unemployment Insurance Act, benefits are provided for: (1) workers who retire because of age or disability; including supplemental annuities for long-service employees; (2) eligible spouses and divorced spouses of retired employees; (3) surviving widows, widowers, divorced spouses, children, and dependent parents of deceased employees; (4) unemployed workers; and (5) workers who are sick or injured. In addition, the Railroad Retirement Board participates in the administration of the Federal medical health insurance program for the aged and the disabled, which covers railroad retirement beneficiaries on the same basis as other eligible persons. ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: Under the Railroad Retirement Act, for employee, spouse and survivor benefits the employee must have had 10 or more years of railroad service. For survivors to be eligible for benefits, the employee must also have been insured at death. Under the Railroad Unemployment Insurance Act, an employee must have earned at least $1,962.50 in railroad wages in calendar year 1992, $2,025.00 in calendar year 1993 and $2,100.00 in calendar year 1994 (counting no more than $785 in any month in calendar year 1992, $810 in calendar year 1993 and $840 in calendar year 1994) and, if a new employee, must have worked for a railroad at least five months in a calendar (base) year to be a qualified employee in the applicable benefit year.

Beneficiary Eligibility: Individuals, families, pension recipients. Credentials/Documentation: Proof of age for retirement benefits; proof of marriage for spouse's or survivor's benefits; medical evidence for disability or sickness benefits; registration for proof of unemployment; Proof of relationship; Proof of military service; and other proofs as required by law. APPLICATION AND AWARD PROCESS: Preapplication Coordination: None.

Application Procedure: Application for retirement, disability, survivor, unemployment or sickness benefits should be made to any office of the Railroad Retirement Board.

Award Procedure: The Office of Retirement and Survivor Programs makes awards under the Railroad Retirement Act and the Bureau of Unemployment and Sickness Insurance makes awards under the Railroad Unemployment Insurance Act. Deadlines: Benefits not payable earlier than specified period prior to application, varying with type of benefits; insurance lump-sum death payments application deadline is two years after employee's death. Applicants may contact any Railroad Retirement Board Office to obtain information relative to a specific type of benefit administered under the Railroad Retirement Act or the Railroad Unemployment Insurance Act.

Range of Approval/Disapproval Time: Varies depending upon complexity of claim.

Appeals: Initial appeals are made to the Bureau of Hearings and Appeals. Subsequent appeals from initial determinations may be made to the Board and ultimately to the U.S. Court of Appeals. Renewals: Not applicable.

ASSISTANCE CONSIDERATIONS:

Formula and Matching Requirements: Not applicable. Length and Time Phasing of Assistance: Not applicable. POST ASSISTANCE REQUIREMENTS:

Reports: Various conditions explained on the benefit application certification form as affecting eligibility, e.g., earnings, marriage, divorce, recovery from disability, return to employer service, should be reported.

Audits: Not applicable.

Records: Not applicable. FINANCIAL INFORMATION:

Account Identification: 60-8011-0-7-601; 60-8010-0-7-601; 60-8012-07-601; 60-8051-0-7-603; 60-0111-0-1-601; 60-0113-0-1-601; 60-0200-01-601.

Obligations: (Benefit Payments) FY 93 $7,941,000,000; FY 94 est $8,121,000,000; and FY 95 est $8,250,000,000.

Range and Average of Financial Assistance: (1) Employee age annuities-monthly maximum $2,102, average $1,052; (2) employee disability-monthly maximum $2,067, average $1,052; (3) employee supplemental annuities-monthly maximum $70, average $44; (4) spouse benefits-monthly maximum $1,002, average $429; (5) widows and widowers monthly maximum $1,630, average $626; (6) widowed mothers and fathers monthly maximum $1,344, average $734; (7) children-monthly maximum $1,198, average $550; (8) unemployment and sickness-weekly maximum for benefit year 1994-95 $180, expected average $180. PROGRAM ACCOMPLISHMENTS: In fiscal year 1993, benefits were paid to an estimated 935,000 retirees and their families, survivors of deceased railroad workers, and unemployed or sick railroad workers. Under the provisions of the Railroad Retirement Act, in fiscal year 1993, there were 51,180 applications for benefits and 51,334 awards made. Under the provisions of the Railroad Unemployment Insurance Act, in benefit year 1992-1993, there were 58,886 applications for benefits and 40,800 beneficiaries paid. REGULATIONS, GUIDELINES, AND LITERATURE: A series of free leaflets is available from the Office of Public Affairs, Railroad Retirement Board.

INFORMATION CONTACTS:

Regional or Local Office: California: D.R. Wedl, 1301 Clay St., Suite 390N, Oakland, CA 94612-5202, Telephone: (510) 637-2983; Georgia: Patricia Lawson, 101 Marietta St., Suite 2304, Atlanta, GA 30323-3001, Telephone: (404) 331-2691; Missouri: Daniel H. Hauser, Federal Building, Room 257, 601 East 12th St., Kansas City, MO 64106- 2882, Telephone: (816) 426-3278; Pennsylvania: Richard D. Baird, 1421 Cherry Street, Suite 670, Philadelphia, PA 19102-1413. Telephone: (215) 656-6946; Ohio: Kevin B. McCrone, Anthony J. Celebrezze Federal Building, Room 989, 1240 East Ninth Street, Cleveland, OH 44199-2093, Telephone: (216) 5224043.

Headquarters Office: Public Affairs, Railroad Retirement Board, 844 North Rush Street, Chicago, IL 60611-2092. Telephone: (312) 7514777, Contact: William Poulos. RELATED PROGRAMS: 17.225, Unemployment Insurance; 17.302, Longshore and Harbor Workers' Compensation; 93.773, Medicare-Hospital Insurance; 93.774, Medicare-Supplementary Medical Insurance; 93.802, Social Security-Disability Insurance; 93.803, Social Security-Retirement Insurance; 93.804, Social Security-Special Benefits for Persons Aged 72 and Over; 93.805, Social Security-Survivors Insurance.

EXAMPLES OF FUNDED PROJECTS: Not applicable.
CRITERIA FOR SELECTING PROPOSALS: Not applicable.

58.001 SECURITIES—INVESTIGATION OF
COMPLAINTS AND SEC INFORMATION
(Complaints and Inquiries)

FEDERAL AGENCY: SECURITIES AND EXCHANGE COMMIS-
SION
AUTHORIZATION: Securities Act of 1933, Public Law 73-22, 15
U.S.C. 77a et seq.; Securities Exchange Act of 1934, Public Law
73-291, 15 U.S.C. 78a to 78jj, as amended, Public Laws 92-29 and
94-29; Public Utility Holding Company Act of 1935, Public Law
74-333, 15 U.S.C. 79 to 79z-6; Trust Indenture Act of 1939, Public
Law 76-253, 15 U.S.C. 77aaa to 77bbbb; Investment Company Act
of 1940, Public Law 76-768, 15 U.S.C. 80a-1 to 80a-52; Investment
Advisers Act of 1940, Public Law 76-768, 15 U.S.C. 80b-1 to 80b-
21; National Bankruptcy Act, Chapter X, Public Law 75-696, 11
U.S.C. 501-676; Securities Investor Protection Act of 1970, Public
Law 91-598, 15 U.S.C. 78aaa, as amended, Public Law 95-283.
OBJECTIVES: To provide assistance to investors in their dealings
with the securities industry by processing complaints received
from individual investors and insuring that registered entities proc-
ess such complaints. To increase public knowledge of the func-
tions of the S.E.C. To advise the Commission and staff about
problems frequently encountered by investors and possible solu-
tions. To represent the interests of individual investors in connec-
tion with Commission rule-making proceedings.

TYPES OF ASSISTANCE: Dissemination of Technical Information; Investigation of Complaints.

USES AND USE RESTRICTIONS: Investor complaints are an important source of information about possible securities laws violations and assist the Commission in its law enforcement and regulatory functions. Persons who believe they have been defrauded in their securities transactions should advise the Commission so that it may take appropriate regulatory action. The public is cautioned, however, that the Commission is not a collection agency; it does not advise investors whether particular transactions about which they may have complained are violative of the Federal securities laws, nor seek recovery in their behalf through court action or otherwise. However, such laws do provide important remedies to investors who may have been defrauded, and investors should consider seeking the advice of an attorney as to any recourse available to them if they believe they have been defrauded. ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: Anyone may seek information from or file a complaint with the Securities and Exchange Commission. Beneficiary Eligibility: The Commission's actions are designed to protect not only those who seek its help directly, but also all other similarly situated investors and the general public. Moreover, the Commission's public files contain financial and other information about several thousand companies, broker-dealers, investment companies, investment advisers, transfer agents, and banks. Any member of the public may examine such material at the Commission's headquarters office in Washington, DC, and its regional offices in New York, and Chicago, or he or she may order copies of the material by writing to the headquarters office (c/o Public Reference Branch, Mail Stop 1-2). Also, investors who believe they have been defrauded, or believe that another party has violated the Federal securities laws are urged to present their complaint and/or information to the Commission for use in its enforcement and regulatory activities. A public action taken by the Commission does not necessarily result in any monetary benefits to investors. However, an aggrieved investor may find the information disclosed by the Commission in its actions helpful in any private action he or she may bring to recover his or her losses. Credentials/Documentation: Not applicable. APPLICATION AND AWARD PROCESS: Preapplication Coordination: None.

Application Procedure: Contact any regional office Consumer Affairs staff or the headquarters Office of Filing, Information and Consumer Services.

Award Procedure: Not applicable.
Deadlines: None.

Range of Approval/Disapproval Time: Not applicable.
Appeals: Not applicable.
Renewals: Not applicable.

ASSISTANCE CONSIDERATIONS:

Formula and Matching Requirements: Not applicable.
Length and Time Phasing of Assistance: Not applicable.
POST ASSISTANCE REQUIREMENTS:
Reports: Not applicable.
Audits: Not applicable.
Records: Not applicable.
FINANCIAL INFORMATION:

Account Identification: 50-0100-0-1-376.

Obligations: (Salaries and expenses) FY 93 $6,534,662; FY 94 est $7,082,221; and FY 95 est $7,543,480.

Range and Average of Financial Assistance: Not applicable. PROGRAM ACCOMPLISHMENTS: During fiscal year 1993, approximately 34,713 complaints and inquiries were received and answered. For the first quarter of fiscal year 1994, approximately 9,000 complaints and inquiries were received.

REGULATIONS, GUIDELINES, AND LITERATURE: The most popular publications are: 'The Work of the Securities and Exchange Commission," a detailed discussion of the functions of the SEC; 'What Every Investor Should Know," a handbook on securities and monitoring your account; and 'Consumers Financial Guide," factors to be considered before you invest in securities, overview of the jurisdiction of the SEC and sources of assistance for securities-related problems not within the jurisdiction of the SEC. Copies of these and a list of other publications may be obtained from the Securities and Exchange Commission, Office of Administrative Services, Printing Branch, Mail Stop C-11, Washington, DC 20549.

INFORMATION CONTACTS:

Regional or Local Office: Regional Offices: Dolores Grayson, 5670 Wilshire Boulevard, 11th Floor, Los Angeles, CA 90036-3648, (213) 965-3998; Rhonda Erickson, Suite 4800, 1801 California St., Denver, CO 80202-2648, (303) 391-6821; Vellamaray Graham, Suite 1000, 3475 Lenox Rd., NE., Atlanta, GA 30326-1232 (404) 842-7600; Roxy A. Hess, Room 1400, Northwestern Atrium Center, 500 West Madison Street, Chicago, IL 60661-2511, (312) 353-7390; Margaret Lohman, 73 Tremont Street, Boston, MA 02108-3912, (617) 424-5900; Robert L. Anthony, 7 World Trade Center, Suite 1300 York, NY 10048, (212) 748-8051; Barbara Ray, Suite 800, 801 Cherry Street., Fort Worth, TX 76102, (817) 8856465; Patricia A. Montgomery, 3040 Jackson Federal Bldg., 915 Second Avenue, Seattle, WA 98174, (206) 220-7553; Mary Courchaine, The Curtis Center, Suite 1005-E,Independence Square West, 601 Walnut Streets, Philadelphia, PA 19106, (215) 597-2278. Branch Offices: June Zaloumis, 44 Montgomery Street, Suite 1100, San Francisco, CA 94104, (415) 705-2500; Linda Sparrow, Suite 200,1401 Brickell Avenue, Miami, FL 33131, (305) 536-7459; 500 Key Bank Tower, Suite 500, 50 South Main Street, Box 79, Salt Lake City, UT 84144-0402, (801) 524-5796. Headquarters Office: Wilson A. Butler, Associate Executive Director, Office of Filings, Information and Dissemination Services, Securities and Exchange Commission, 450 Fifth Street, NW,Stop 018 Washington, DC 20549; Telephone: (202) 942-8938. RELATED PROGRAMS: 36.001, Fair Competition Counseling and Investigation of Complaints; 93.002, Consumer Affairs.

EXAMPLES OF FUNDED PROJECTS: Not applicable.

CRITERIA FOR SELECTING PROPOSALS: Not applicable.

59.002 ECONOMIC INJURY DISASTER LOANS

(EIDL)

FEDERAL AGENCY: SMALL BUSINESS ADMINISTRATION AUTHORIZATION: Small Business Act of 1953, as amended, Section 7(b)(2), Public Law 85-536, 15 U.S.C. 636(b); Disaster Relief Act of 1970, Sections 231, 234, 235, and 237; Public Law 91-606; Public Laws 92-385, 93-24, 94-68, 94-305, 95-89, 96-38, 96-302, 9735, 98-166, 98-270, 98-473, 99-272, 99-349, 100-220, 100-590, 10227, and 103-75.

OBJECTIVES: To assist business concerns suffering economic injury as a result of certain Presidential, SBA, and/or Secretary of Agriculture declared disasters.

TYPES OF ASSISTANCE: Direct Loans; Guaranteed/Insured Loans (including Immediate Participation Loans).

USES AND USE RESTRICTIONS: Up to 30 years for repayment. $1,500,000 limit on amount: actual economic injury governs. Funds can be provided to pay current liabilities which the small concern could have paid if the disaster had not occurred. Working capital for limited period can be provided to continue the business in operation until conditions return to normal. No funds available for realty, equipment repair or acquisition: the interest rate is not to exceed 4 percent.

ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: Must be a small business concern, small agricultural cooperative or a nursery victim of drought as defined in SBA rules and regulations. Must furnish evidence of the cause and extent of economic injury claimed. Must be unable to obtain credit elsewhere. Must be located within declared disaster area. Beneficiary Eligibility: Small businesses and agricultural cooperatives.

Credentials/Documentation: Financial Statements to prove cause and extent of economic injury, establish eligibility and demonstrate repayment ability.

APPLICATION AND AWARD PROCESS:

Preapplication Coordination: This program is excluded from cover-
age under E.O. 12372. Generally preapplication interviews are
held to acquaint applicant with general approach to establishing
eligibility and what assistance may be available.
Application Procedure: Applications are filed with nearest available
SBA disaster area office or special disaster office. One copy of
SBA Form 5 and Form 1368 are provided for this purpose.
Award Procedure: Applicant is notified of approval by authorization
letter from SBA disaster office.

Deadlines: Deadlines are established for each declaration.
Range of Approval/Disapproval Time: From 7 to 90 days.

Appeals: Requests for reconsideration of a declined application may
be made within 6 months of the initial decline action.
Renewals: Not applicable.

ASSISTANCE CONSIDERATIONS:

Formula and Matching Requirements: Not applicable. Length and Time Phasing of Assistance: Not applicable. POST ASSISTANCE REQUIREMENTS:

Reports: Documentation of use of proceeds and financial statements must be maintained by borrower.

Audits: Audits are required only in questionable cases where funds are used contrary to conditions under which they were authorized.

Records: Complete financial records must be maintained.

FINANCIAL INFORMATION:

Account Identification: 73-1152-0-1-453

Obligations: (Loans) FY 93 $265,759,000; FY 94 $502,139,000; and FY 95 est $78,209,000.

Range and Average of Financial Assistance: Direct loans: Up to $1,500,000; $50,725.

PROGRAM ACCOMPLISHMENTS: During fiscal year 1993 5,233 loans were made. Complete data unavailable for fiscal years 1994 and 1995.

REGULATIONS, GUIDELINES, AND LITERATURE: 13 CFR Part 123; 'Economic Injury Disaster Loans for Small Business," DAD3.

INFORMATION CONTACTS:

Regional or Local Office: For reference to the Disaster Area Office, see Appendix IV of the Catalog under the Small Business Administration.

Headquarters Office: Office of Disaster Assistance, Small Business Administration, 409 3rd Street, SW., Washington, DC 20416. Telephone: (202) 205-6734. Use the same number for FTS. RELATED PROGRAMS: 10.404, Emergency Loans; 59.008, Physical Disaster Loans; 83.516, Disaster Assistance. EXAMPLES OF FUNDED PROJECTS: Not applicable. CRITERIA FOR SELECTING PROPOSALS: Not applicable.

59.003 LOANS FOR SMALL BUSINESSES (Direct Loan Program, Low-Income/High-Unemployed

Areas)

FEDERAL AGENCY: SMALL BUSINESS ADMINISTRATION AUTHORIZATION: Small Business Act of 1953, as amended, Section 7(a) (11), as amended, Public Law 97-35. OBJECTIVES: To provide direct loans to small businesses owned by low-income persons or located in any area having a high percentage of unemployment, or having a high percentage of low income individuals. (Guaranteed Loans, including Immediate Participation Loans are provided under program 59.012.)

TYPES OF ASSISTANCE: Direct Loans; Advisory Services and Counseling.

USES AND USE RESTRICTIONS: To assist in establishing, preserving, and strengthening small businesses owned by low-income persons or located in areas of high unemployment. Excludes publishing media, radio and television, nonprofit enterprises, speculators in property, lending or investment enterprises, gambling enterprises, and financing real property held for investment. Funds must not otherwise be available on reasonable terms. ELIGIBILITY REQUIREMENTS:

Applicant Eligibility: Creditworthy individuals with income below basic needs or businesses located in areas of high unemployment or businesses located in areas with a high percentage of low income individuals, which have been denied the opportunity to acquire adequate business financing through normal lending channels on reasonable terms. The business must be independently owned and operated, and not dominant in its field and must meet SBA business size standards. Generally, for manufacturers, the range is from 500 to 1,500 employees, depending on the industry; for wholesalers, up to 500 employees is allowed; retailers and service concerns having revenues up to $17.5 million for retailers and $14.5 million for services; agricultural enterprises having gross sales not exceeding gross sales of $0.5 million to $3.5 million. Beneficiary Eligibility: Creditworthy individuals with income below basic needs or small businesses located in areas of high unemployment, or businesses located in areas with a high percentage of low income individuals.

Credentials/Documentation: Statement of personal history; personal financial statement; company financial statements; summary of collateral; resume history and description of education and employ

ment.

APPLICATION AND AWARD PROCESS:

Preapplication Coordination: None. This program is excluded from coverage under E.O. 12372.