ij<  i i r , 11 ' i «y  ' T ! - i i r  r 11  '•" r "  -"      [ 'in  , , _, lr||, „  	
            United States       Office of Po'ic1 Waste     Sw-962   '' |
            Environmental Protection   fnu Ernenit cy Ri -nionse   Nove.nbei 1982
Agency         Washington JC i0460
                        c,
                                     /
                                     /
            Solid Waste
SEPA     Federal  Financial
            Requirements for
            Owners and Operators
            of Hazardous Waste
            Treatment, Storage,
            and Disposal Facilities

            A Summary
                      ,•-,.. fv?cn
                     r-•'••"•
            .          ,;_,

-------
c
5,  Environmental Protection Agency

-------
     Federal Financial Requirements for Owners
   and Operators of Hazardous Waste  Treatment,
            Storage, and Disposal  Facilities
  The Resource Conservation and Recovery Act of 1976, as amended
(RCRA), requires the U.S. Environmental Protection Agency (EPA) to
establish a regulatory program covering management of hazardous
wastes. Administered by EPA and States authorized by EPA, this pro-
gram aims to protect human health and the environment from the
improper management of hazardous wastes.
  As part of the program, in April 1982 EPA issued regulations requir-
ing owners or operators of hazardous waste treatment, storage, and
disposal facilities to show that funds are available for:
  • meeting their obligations under RCRA for proper closure and post-
    closure care of their facilities, and
  • compensating  others  for bodily injury or property damage caused by
    accidents arising from operations of the facilities.
  These financial requirements became effective  in July 1982.
  This pamphlet summarizes key points about the requirements for the
convenience of owners, operators, and other interested persons. The
regulations themselves must be consulted for the full range of require-
ments. Copies of the regulations are available from the RCRA/
Superfund Hotline. Information about the requirements is available from
the Hotline, the EPA Regional Offices, and the EPA Small Business
Ombudsman. Telephone numbers and addresses  for sources of informa-
tion are listed at the end of this pamphlet.
                      APPLICABILITY

  These Federal financial requirements apply only to owners and
operators regulated by EPA under RCRA and not to those regulated by
State RCRA programs. Over 30 States are now administering at least a
portion of the RCRA program in place of EPA. All State RCRA pro-
grams will have requirements equivalent to those of the Federal program
in the next few years. At present, however, the State RCRA programs
vary considerably in their financial requirements, although some States
have adopted the Federal regulations with few changes.

-------
  The Federal financial requirements apply to both interim status
facilities (existing facilities awaiting permits) and facilities with permits.
The financial requirements for interim status facilities appear in
Subpart H of Part 265, Title 40, of the Code of Federal Regulations.
The requirements for facilities with permits are in Subpart H of Part
264, Title 40. The two sets of financial requirements are very similar; key
differences are noted in the descriptions of the regulations in the follow-
ing sections.
  Some States are authorized to administer the RCRA program for
interim status facilities but are not yet authorized to issue RCRA per-
mits.  In that situation, EPA does the permitting, applying the Federal
standards.
  An owner or operator regulated by EPA and therefore required to
comply with the Federal regulations is also subject to any applicable
State  and local requirements. In some States, owners or operators may
have State financial requirements to meet in addition to the Federal
requirements.
  The facilities subject to the Federal financial requirements and other
facility standards are specified in Subpart A of Parts 264 and 265.
  Owners and operators who are uncertain about whether they are
required to comply with these requirements, or whether they belong in
the hazardous waste regulatory program at all, should contact their EPA
Regional Office. For information about State requirements, contact the
State  hazardous waste agency.
          FINANCIAL ASSURANCE OF CLOSURE
                 AND POST-CLOSURE CARE

   Many instances of environmental damage have resulted from abandon-
ment of hazardous waste facilities and other failure or inability of
owners and operators to provide adequately for closure and post-closure
care. The financial requirements are designed to assure that funds are
available for adequate closure and post-closure care. These regulations
were issued on April 7,  1982, and became effective on July 6, 1982.
   Financial assurance of closure must be provided for treatment,
storage, and disposal facilities subject to the hazardous waste facility
standards of Parts 264 and 265. Financial assurance of post-closure care
must be provided for disposal facilities and, under amendments to Part
264 issued July 26, 1982, for certain surface impoundments and waste
piles not intended to be used for disposal purposes.

-------
Plans and Cost Estimates

  The amount of funds that must be assured is determined by plans and
cost estimates prepared by the owner or operator and subject to approval
by the EPA Regional Office.  The rules for closure and post-closure plans
appear in Subpart G of the facility standards (Parts 264 and 265); the
cost-estimating standards are  in Subpart H. The cost estimates must be
adjusted for inflation annually and for any changes in plans that would
increase costs.
  For interim status facilities, owners or operators were to have prepared
plans and cost estimates for closure and post-closure care by May 19,
1981. Plans and cost estimates are to be kept at the facility and made
available to EPA  upon request.
Mechanisms for Assurance

  Owners or operators may use any of several mechanisms to satisfy the
requirements for financial assurance of closure and post-closure care.
These include:
  • Trust funds
  • Surety bonds
  • Letters of credit
  • Closure/post-closure insurance
  • Financial test and corporate guarantee
  • State-required mechanisms and State guarantees.
  Any of the mechanisms may be used for assurance of closure,
post-closure care, or both closure and post-closure care, for one or more
facilities.
  Assurance must be established for the  whole amount of the current
closure or post-closure cost estimate except when a trust fund is used.  A
trust fund may be built up to the amount of the cost estimate over a
"pay-in" period.
  Following an increase in the cost estimate, the owner or operator must
increase the amount of funds assured.
  More than one mechanism may be used to provide financial assurance
for one facility. All the mechanisms may be used to cover a portion of a
closure or post-closure cost estimate except the following:  one type of
surety bond (the bond guaranteeing performance of closure or post-
closure care) and the financial test and corporate guarantee; these
mechanisms, if used, must always be for the entire  closure or post-
closure cost estimate.

-------
  The regulations contain the wording of documents to be submitted as
evidence of financial assurance. This wording must be used exactly as
shown in the regulations.
  Trust Fund

  One of the financial assurance options is a trust fund. It must be
established at a bank or other institution with authority to act as a
trustee and whose trust activities are examined and regulated by a State
or Federal agency. There are about 4,000 banks in the country, plus trust
companies and some savings and loan institutions, with such qualifica-
tions. An owner or operator who is interested in establishing a trust fund
for closure or post-closure care  should consult the financial institutions
he deals with; they should be able to assist him, either by serving as
trustee or by referring him to trust institutions.
  By making annual payments over a  pay-in period, an owner or
operator may build up the trust fund to the amount of the closure or
post-closure cost estimate. For interim status facilities, the pay-in period
is a maximum of 20 years or the remaining operating life of the facility,
whichever is shorter. Upon receiving a RCRA permit,  the facility's pay-in
period is the term of the initial permit or remaining operating life,
whichever is shorter.
  The amount of the annual payment during the pay-in period is based
on a simple formula: The payment is equal to  the current cost estimate,
minus  the current value  of the trust fund,  divided by the number of years
remaining in the pay-in  period.
  The trustee will carry  out responsibilities that are described in the trust
agreement. The agreement and the accompanying "certificate of
acknowledgement" (a notary's statement attesting to the identity of the
owner's or operator's representative signing the trust agreement) must be
submitted to the EPA Regional Administrator. Among the trustee's
responsibilities are: investing the funds; providing an annual valuation to
the owner or operator and to EPA; notifying EPA if a payment into the
fund is not made during the pay-in period; and releasing funds as
directed by EPA. In investing the funds the trustee will follow the
general guidance of the  owner or operator as  long as it is in accordance
with the trust provisions.
  EPA will approve payments from the fund in reimbursement  for costs
of closure or post-closure activities as these activities are completed. If
the cost of closure appears to be significantly higher than the value of
the closure trust fund at the time closure begins, however, EPA can

-------
delay releasing funds until closure is completed and certified.
  EPA will approve refunds if the value of the trust fund exceeds the
estimated costs of closure or post-closure care, or if other financial
assurance is substituted for the trust fund, or if closure or post-closure
care is completed and funds still remain in the trust.

  Surety Bond

  A surety bond is a guarantee by a surety company that obligations
specified in the bond will be fulfilled.  Surety bonds are commonly used
to guarantee that construction projects or other obligations  will be car-
ried out according to specifications. Usually the obligations are of a
much shorter term than closure and post-closure care, which may take
place many years in the future.
  Because of the unusual nature of the closure and post-closure bonds,
surety representatives have  stated that in general these bonds will be
limited in availability to large companies or to instances where closure is
expected within a short time.
  Two kinds  of surety bonds are specified in the regulations. One kind,
the Financial  Guarantee Bond, may be used for either interim status
facilities  or facilities with permits. It guarantees that if the owner  or
operator does not establish a closure or post-closure trust fund before
closure of the facility begins, the surety company will  fund a standby
trust fund (described below) in the amount guaranteed by the bond.
  The other kind of bond,  the Performance Bond, may be used only for
facilities  with permits. It guarantees that if the owner  or operator does
not fulfill closure or post-closure requirements, the surety company will
perform  these duties or pay the amount of the bond into the standby
trust fund.  The performance bond may not be used before the facility is
permitted because specifications  for performing closure or post-closure
care will  generally not have been reviewed by EPA until then.
  When  either kind of surety bond is used, a standby  trust fund must
also be established. The purpose of the standby trust fund is to receive
any funds that may eventually be paid  by the surety company. The same
rules apply as when the trust  fund is used as the basic mechanism, except
that the following activities are not required while the trust is a standby
mechanism: payments into  the trust (although a nominal payment may
be required by the trustee institution when the trust is  established);
updating the trust agreement  to show current cost estimates; annual
valuations; and notices of nonpayment to EPA. Both  the bond and the
standby trust agreement must be submitted as evidence of financial
assurance.

-------
  The cancellation provisions of the surety bonds are designed for con-
tinuity of financial assurance. The surety company must provide
120 days' notice of cancellation to the owner or operator and EPA. If
the owner or operator does not provide substitute assurance to EPA
within 90 days of such notice, the surety company must pay the amount
of the bond into the standby trust  fund. The owner or operator may
cancel the bond only after written consent by the EPA Regional Admini-
strator.  Such consent may be given after substitute assurance is provided
or the obligations guaranteed have been fulfilled.
  These bonds must be issued by surety companies on the U.S. Treasury
list (Circular 570) of acceptable sureties on Federal bonds.
  An owner or operator interested in obtaining a surety bond should
consult  his insurance agent.  The agent should be able to help the owner
or operator assess the availability and costs of a surety bond for his
facility, including possible requirements for collateral.
  Letter of Credit

  A letter of credit may be submitted as evidence of financial assurance.
The letter must be from a bank or other institution with authority to
issue letters of credit and whose letter-of-credit operations are regulated
and examined by a State or Federal agency. The letter will entitle the
EPA Regional Administrator to direct the issuing institution to deposit
funds into  the owner's or operator's standby trust fund if the owner or
operator fails to fulfill closure or post-closure requirements.
  An owner or operator using a letter of credit for financial assurance
must also submit to EPA a standby trust agreement (see description
under Surety Bond) and a letter identifying the facilities and estimated
costs covered  by the letter of credit.
  The cancellation provisions for letters of credit are  comparable to
those for surety bonds. If, following a 120-day notice of nonrenewal
from the issuing institution, the owner or operator  does not provide
substitute assurance within 90 days, the Regional Administrator will draw
upon the letter of credit, and the issuing institution will deposit the funds
into the standby trust. The owner or operator may  cancel the letter of
credit only with the Regional Administrator's written  consent.
  Commercial banks and some savings and loan institutions and credit
unions meet the qualifications in the regulations for issuing institutions.
If a financial  institution does not itself issue letters of credit, it can refer
customers to others that do.

-------
  As with surety bonds, owners and operators may find that letters of
credit for financial assurance of closure and post-closure care are at
present limited in availability, except where the owner or operator pro-
vides collateral amounting to a substantial part, or all, of the amount of
the credit.
  Closure and Post-Closure Insurance

  Insurance may be purchased that assures funds for closure and post-
closure care. This is a new form of insurance that has recently become
available. It must be issued by a company that is licensed to transact the
business  of insurance, or eligible as an excess or surplus lines insurer, in
one or more States. As evidence of this insurance, the owner or operator
must submit to EPA a certificate of insurance issued by the insurer.
  The insurer must provide the owner or operator the option to renew
the policy each  year with coverage in at least the amount of the expiring
policy. The  insurer cannot cancel or terminate this insurance except for
nonpayment of premium. If there is failure to pay the premium, the
insurer may elect to cancel or terminate the insurance, but it must first
give 120  days'  notice to  the owner or operator and to EPA. If during the
120 days any of the following events occurs, the insurance must remain
in effect: the Regional Administrator deems the facility to  be abandoned;
the permit or interim status is terminated or revoked or a new permit is
denied; closure  is ordered by EPA or a court; the owner or operator is
named a debtor in a bankruptcy proceeding; or the premium due is paid.
  The owner or operator may terminate the policy only with prior con-
sent from EPA; such consent will be given when substitute assurance is
provided or when closure or post-closure responsibilities are completed.
Failure to pay the premium without providing substitute assurance will
constitute a significant violation of the RCRA regulations.
  The insurer will make payments in reimbursement of closure or post-
closure costs as approved by the Regional Administrator. If EPA deter-
mines that the cost of closure of the facility will be significantly higher
than the  policy  limit for closure, the Agency may delay approval of
payments for closure until closure is completed and  certified.
  Insurance agents and brokers can help  owners and operators obtain
information about the availability and costs of closure/post-closure
insurance. An agent or broker unfamiliar with  this insurance might con-
tact the major insurance  trade associations or the EPA Regional Office
for information.

-------
  Financial Test and Corporate Guarantee

  Evidence of passing  a test of financial strength is also accepted as
financial assurance. Two alternative sets of test criteria are specified:
  The first set of criteria is:

  A. Two of the following three ratios:
     ,   Total  liabilities    ,    ,
     1.  	 = less than 2
           Net worth
         Net income plus depreciation,
          depletion, and amortization            ,    „ .
              -r~~T~~          = greater than 0.1
              Total liabilities
     ,    Current assets            ,
     3.	;——	 = greater than 1.5
         Current liabilities

  B. Net working capital and tangible net worth each at least 6 times the sum of closure
     and post-closure cost  estimates covered by the test.

  C. Tangible net worth of at least $10 million.

  D. U S. assets amounting to at least 90 percent of total assets or at least 6 times the sum
     of closure and post-closure cost estimates covered  by the test.

  The alternative set of criteria is:

  A. Bond rating of most recent bond issuance within the highest four categories of
     ratings by Standard and Poor's or Moody's.

  B. Tangible net worth at least 6 times the sum of the closure and post-closure cost
     estimates  covered by the test.

  C. Tangible net worth of at least S10 million.

  D. U.S. assets amounting to at least 90 percent of total assets or at least 6 times the sum
     of closure and post-closure cost estimates covered  by the test.

  To demonstrate that he  meets this test, the owner or operator  must
submit  data each year  from his independently audited financial
statements, a special report from an independent auditor confirming that
the data are consistent with those  in the  audited statements, and a copy
of the standard auditor's  report accompanying the annual financial
statements. Qualifications in  the auditor's opinion may be grounds for
disallowance. Upon failing the test or being disallowed from  using the
test, the owner or  operator must provide substitute assurance within  the
periods  specified in the regulations.

-------
  If an owner's or operator's parent corporation passes the financial
test, the parent's guarantee of closure or post-closure costs may be used
as financial assurance.  The guarantee must be from a parent that directly
owns at least 50 percent of the owner's or operator's voting stock.
  Use of State Mechanisms

  State-Required Mechanisms. States in which EPA is administering the
RCRA financial requirements may have their own requirements for
financial assurance of closure or post-closure care. The Federal regula-
tions allow owners or operators to use a State-required mechanism to
satisfy the Federal requirements if it provides assurance equivalent to
that of mechanisms specified in the Federal regulations. The owner or
operator must submit to EPA evidence of having established the State-
required mechanism and a letter requesting  that it be considered accept-
able for meeting the Federal requirements.
  State Guarantees. Similarly, if a State assumes responsibility for
closure or post-closure care or for the costs of these obligations, such
guarantees  may be used by owners or operators to satisfy the Federal
requirements if they provide assurance equivalent to that of mechanisms
specified in the regulations. The owner or operator must submit a letter
from the State describing the assumption of responsibility and a letter
requesting that the State's guarantee be considered acceptable for satisfy-
ing the Federal requirements.
Comparing Costs

  To determine which method of financial assurance is least costly for an
owner or operator, he should review all the mechanisms and consult
various providers of financial services.
  For each mechanism, the owner or operator should consider any fees
or premiums charged, requirements for collateral to secure the
mechanism, tax consequences, possible effect  on credit  standing, and
"opportunity cost" — the cost to him of using  funds which could other-
wise be invested in ways that would bring a higher return.
  The financial test or corporate guarantee is  probably the least expen-
sive mechanism for owners or  operators who meet the requirements for
these mechanisms. Assuming that the owner or operator or  his parent
company would have audited financial statements prepared  anyway,  the
only additional charge would be the auditor's  charge for his special

-------
report on comparing the financial data submitted to EPA with data in
the financial statements.
  The fees charged for letters of credit and premiums for surety bonds
will vary. They are determined by the issuing institutions on a case-by-
case basis.  The amounts are usually in terms of percentages of the
amount of the letter of credit or bond. The owner's or operator's finan-
cial condition, history, and size would be important factors affecting
these charges.  If he is already a major client of long standing with  the
financial institution, that fact would certainly be in his favor. These fac-
tors will  also determine any requirements for collateral.
  The cost of  the trust fund includes a trustee's fee, which varies among
trust institutions. The amount of the premium for closure/post-closure
insurance (and availability and terms of the insurance) will depend  on the
risk evaluation required by the insurer.
         LIABILITY COVERAGE REQUIREMENTS

  The requirements for liability coverage are designed to assure that
funds are available from which people may seek compensation for bodily
injury and property damage caused by accidents arising  from operations
of hazardous waste facilities. The pollution incidents,  fires, explosions,
and other accidents that have occurred  at hazardous waste facilities and
the inherent risks associated with hazardous wastes indicate that such
requirements are desirable.
  On April  16, 1982, EPA issued regulations requiring owners or
operators to have liability  coverage in the form of liability insurance
(evidenced by a certificate of insurance or policy endorsement) or finan-
cial strength shown by passing a financial test  for liability coverage. They
may also use the financial test for  part of the required coverage and
insurance for the rest.
  By July 15, 1982, owners or operators were  required to submit
evidence of  coverage for sudden accidental  occurrences in the amount of
at least  $1 million per occurrence and $2 million annual  aggregate
(annual total), exclusive of legal defense costs.
  Owners or operators of surface impoundments, landfills, and land
treatment facilities are also required to show coverage for nonsudden, or
gradual, accidental occurrences in  the amount of at least $3  million per
occurrence and $6 million annual aggregate, exclusive of legal defense
costs. Because of the current limited availability of insurance covering
nonsudden accidental occurrences, this requirement is phased in over a
3-year period, with the largest companies required to show coverage first.
                                 10

-------
Those with sales over $10 million must submit evidence of coverage by
January  15, 1983; those with sales between $5 million and $10 million, by
January  15, 1984; and the remainder by January 15, 1985. Owners or
operators required to meet the 1984 or 1985 dates must send a letter by
January  15, 1983, to the Regional Administrator stating when they
intend to establish such coverage.
  The amounts of coverage  required apply to the owner or operator for
all his facilities, not separately to each of his facilities.
  The present regulations include certain provisions for lowering or rais-
ing the required amounts of coverage in individual cases and for impos-
ing the requirement for coverage of nonsudden accidental occurrences on
facilities  other than surface impoundments, landfills, and land treatment
facilities. The Agency is planning to propose deleting these provisions,
however, because of the present lack of data for establishing specific
criteria for variances on a national basis.
  Liability Insurance

  Insurance used to satisfy the requirements for liability coverage must
meet certain specifications, including:
  • The insurance must provide coverage for bodily injury and property
damage caused by accidental occurrences arising from facility operations.
"Bodily injury" and "property damage" are as defined by applicable
State law. However, they do not include liabilities which, consistent with
standard insurance industry practice, are excluded from coverage by
liability policies for bodily injury and property damage.
  • "First-dollar" coverage is required. That is, the amount of any
deductible must be covered by the insurer, with right of reimbursement
from the insured. However, the insurer need not cover any amount of
the deductible for which coverage has been shown through the financial
test.
  • The dollar amounts of coverage must represent money available for
compensation for damages.  They must  not  include amounts for paying
legal defense costs.
  • The insurance policies  must be issued by insurers  who are licensed,
or eligible as excess or surplus lines insurers, in one or more States.
  • The insurer must  notify EPA when the insurance  is to be terminated
for any reason (60 days' notice  for cancellation during the term of the
policy; 30 days' notice for any other termination).
                                 11

-------
  Many owners and operators have standard general liability policies that
can be used to meet the liability coverage requirements for sudden
accidental occurrences. The policies will generally need to be amended to
meet the specifications in the regulations. Insurance agents or brokers
who need further information about the requirements may call the EPA
Regional Offices, or the RCRA Hotline (telephone numbers are listed
below).
  While some owners and operators of surface impoundments, landfills,
and land treatment facilities have insurance for nonsudden accidental
occurrences, many do not. Owners or operators who need to obtain this
insurance should consult their insurance agents or brokers. Since insurers
generally require risk assessment surveys before issuing this insurance,
owners and operators should not  wait until close to the time they are
required to have the insurance to  begin inquiries; several months' lead
time should be allowed.
  Financial Test for Liability Coverage

  The financial test for liability coverage is similar to the test for assur-
ing closure and post-closure costs. The test criteria are the same except
that they do not include financial ratios, and they refer to the amount of
liability coverage to be demonstrated rather than to closure and post-
closure cost estimates.
  If an owner or operator is using the financial test to satisfy both the
liability coverage requirements and the closure or post-closure financial
requirements, he must  use a single letter from the chief financial officer
for both purposes. The wording for such a letter is specified in the
regulations.
  Unlike the regulations for financial assurance of closure and post-
closure care, the liability coverage requirements do not allow use of a
guarantee from a parent corporation that passes the financial test as a
means of satisfying the requirements.
  Use of State Mechanisms

  As with financial assurance for closure and post-closure care, owners
and operators may use State-required mechanisms and State guarantees
to satisfy the liability coverage requirements if EPA finds the mech-
anisms to be equivalent to  those specified in the Federal regulations.
                                  12

-------
                  OTHER REQUIREMENTS

  If an owner or operator is named as a debtor in a bankruptcy pro-
ceeding, he must notify the Regional Administrator within 10 days after
the proceeding is initiated.
  If an owner or operator uses a trust fund, surety bond, letter of credit,
or insurance to satisfy the financial requirements, and the issuing finan-
cial institution  goes bankrupt, the owner or operator  must provide
substitute assurance or coverage within 60 days after  the bankruptcy fil-
ing. Also,  if an issuing institution's authority to issue the instrument is
revoked or suspended, the owner or operator must provide substitute
assurance or coverage within  60 days  after  such action.
               SOURCES OF INFORMATION
RCRA/Superfund Hotline

  For copies of the regulations and general information about all RCRA
and Superfund programs, call the Hotline at (800) 424-9346 (this is a toll-
free number) or, in Washington, D.C., (202) 382-3000.
                                13

-------
EPA Regional Offices

  Following are EPA Regional staff to whom questions about the finan-
cial requirements may be addressed:
       Region I

       Gary Gosbee or Mary Sanderson
       EPA Region I
       Waste Management Branch
       John F. Kennedy Bldg.
       Boston, MA 02203

       (617) 223-3468

       Region II

       Helen S. Beggun
       EPA Region II
       Grants Administration Branch
       26 Federal Plaza
       New York, NY 10007

       (212) 264-9860
Region III

Anthony Donatoni
EPA Region III
Hazardous Material Branch
6th and Walnut Sts.
Philadelphia, PA 19106

(215) 597-7937

Region IV

Mickey Hartnett
EPA Region IV
Residuals Management Branch
345 Courtland  St. N.E.
Atlanta, GA 30308

(404) 881-3067
                                    14

-------
       Region V

       Thomas Golz
       EPA Region V
       Waste Management Branch
       230 S. Dearborn St.
       Chicago, IL 60604

       (312) 886-4023

       Region VI

       Henry Onsgard
       EPA Region VI
       Attn: RCRA Financial Requirements
       1201 Elm Street
       First International Bldg.
       Dallas, TX 75270

       (214) 767-8941

       Region VII

       Robert L.  Morby
       EPA Region VII
       Waste Management Branch
       324 E.  llth St.
       Kansas City, MO 64106

       (816) 374-3307
Region VIII

Carol Lee
EPA Region VIII
Waste Management Branch
1860 Lincoln Street
Denver, CO 80203

(303) 837-6258

Region IX

Richard Procunier
EPA Region IX
Hazardous Material Branch
215 Fremont St.
San Francisco, CA 94105

(415) 974-8157

Region X

Kenneth D. Feigner
EPA Region X
Waste Management Branch
1200 Sixth Ave.
Seattle, WA 98101

(206) 442-1236
EPA Small Business Ombudsman

  This office makes sure small business compliance problems and sugges-
tions are heard and fairly treated. Call (800) 368-5888 (toll-free), or in
Washington, D.C., call (202) 382-4538. Or write: EPA Small Business
Ombudsman, Mail Code PM-220, U.S. Environmental Protection
Agency, 401 M St., S.W., Washington, D.C. 20460.
                                    15

-------
Guidance Manuals

  Guidance manuals on RCRA regulations, for use by owners,
operators, and Regional staff, are issued by EPA. They include:

  Financial Assurance for Closure and Post-Closure Care: Requirements
  for Owners and Operators of Hazardous Waste Treatment, Storage
  and Disposal Facilities. Available from the National Technical Infor-
  mation Service, Port Royal Road, Springfield, VA 22161; (703)
  487-4600. Order no.: PB 82-237595. Paper—$21, microfiche—$4;
  prices subject to change.

  Liability Coverage Requirements for Owners and Operators of Hazar-
  dous Waste Treatment, Storage, and Disposal Facilities. Available
  from the National Technical Information Service (see above for
  address  and telephone number). Order number and prices not yet
  assigned.
    r.  '  r..:v/itonmental  Protection Agency
       -on V,  Library
      . j South Dearborn Street
    Chicago, Illinois   60604
                                16

-------

-------

-------