The purpose of this handbook is to provide general information concerning the legal requirements that apply when persons wish to engage in activities that will impact or affect wetlands or other regulated waters, including lakes, rivers, streams, and ponds. Given the complexity of state and federal regulations, this handbook provides a broad overview of key aspects of the regulatory processes involved, including the basic authorities of each regulatory agency, activities that are regulated, and information about what to expect from each agency. This handbook is general and not determinative of any issue, nor does it establish or affect legal rights. Agency decisions in any particular case will be made by applying applicable(s) law to the specific factual situations. Laws, regulatory authorities, and other information such as permit fees are current as of the printing of this brochure.