Agency Information Collection Activities: Information Collection Renewal; Comment Request; FFIEC Cybersecurity Assessment Tool, 43555-43557 [2015-17907]

Download as PDF tkelley on DSK3SPTVN1PROD with NOTICES Federal Register / Vol. 80, No. 140 / Wednesday, July 22, 2015 / Notices Type of Request: Renewal of a currently approved collection. OMB Control Number: 2127–0621. Form Number: None. Abstract: FMVSS No. 403, Platform lift systems for motor vehicles, establishes minimum performance standards for platform lifts designed for installation on motor vehicles. Its purpose is to prevent injuries and fatalities to passengers and bystanders during the operation of platform lifts that assist wheelchair users and other persons with limited mobility in entering and leaving a vehicle. FMVSS No. 404, Platform lift installations in motor vehicles, places specific requirements on vehicle manufacturers or alterers who install platform lifts in new vehicles. Under these regulations, lift manufacturers must certify that their lifts meet the requirements of FMVSS No. 403 and must declare the certification on the owner’s manual insert, the installation instructions, and the lift operating instruction label. Certification of compliance with FMVSS No. 404 is on the certification label already required of vehicle manufacturers and alterers under 49 CFR part 567. Under these two safety standards, lift manufacturers must produce: An insert that is placed in the vehicle owner’s manual; installation instructions; and one or two labels that are placed near the controls for operating the lift in normal mode and in back-up mode. The requirements and our estimates of burden and cost to the lift manufacturers are given below. There is no burden to the general public. Affected Parties: Businesses or other for-profit entities. Respondents: Platform lift manufacturers and vehicle manufacturers/alterers that install platform lifts in new motor vehicles before first vehicle sale. Estimated Number of Respondents: 10. Frequency of Collection: Per each production platform lift unit. Estimated Total Annual Burden: Estimated burden to lift manufacturers to produce an insert for the vehicle owner’s manual stating the lift’s platform operating volume, maintenance schedule, and instructions regarding the lift operating procedures: —10 manufacturers × 24 hrs. amortized over 5 yrs. = 48 hrs. per year. Estimated burden to lift manufacturers to produce lift installation instructions identifying the vehicles on which the lift is designed to be installed: VerDate Sep<11>2014 19:59 Jul 21, 2015 Jkt 235001 —10 manufacturers × 24 hrs. amortized over 5 yrs. = 48 hrs. per year. Estimated burden to lift manufacturers to produce two labels for operating and backup lift operation: —10 manufacturers × 48 hrs. amortized over 5 yrs. = 96 hrs. per year. Estimated cost to lift manufacturers to produce: —Label for operating instructions— 27,398 lifts × $0.13 per label = $3,561.74. —Label for backup operations—27,398 lifts × $0.13 per label = $3,561.74. —Owner’s manual insert—27,398 lifts ×$0.04 per page × 1 page = $1,095.92. —Installation instructions—27,398 lifts × $0.04 per page × 1 page = $1,095.92. Although lift installation instructions are considerably more than one page, lift manufacturers already provide lift installation instructions in the normal course of business and one additional page should be adequate to allow the inclusion of FMVSS-specific information. Total estimated annual cost = $9,315.32. Total estimated hour burden per year = 192 hours. Addressee:Send comments regarding the burden estimate, including suggestions for reducing the burden, to the Office of Management and Budget, Attention: Desk Officer for the Office of the Secretary of Transportation, 725 17th Street NW., Washington, DC 20503. Comments are invited on: Whether the proposed collection of information is necessary for the proper performance of the functions of the Department, including whether the information will have practical utility; the accuracy of the Department’s estimate of the burden of the proposed information collection; ways to enhance the quality, utility and clarity of the information to be collected; and ways to minimize the burden of the collection of information on respondents, including the use of automated collection techniques or other forms of information technology. Authority: The Paperwork Reduction Act of 1995; 44 U.S.C. chapter 35, as amended; and 49 CFR 1:48. Raymond R. Posten, Associate Administrator for Rulemaking. [FR Doc. 2015–17931 Filed 7–21–15; 8:45 am] BILLING CODE 4910–59–P PO 00000 Frm 00170 Fmt 4703 Sfmt 4703 43555 DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency Agency Information Collection Activities: Information Collection Renewal; Comment Request; FFIEC Cybersecurity Assessment Tool Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Notice and request for comment. AGENCY: The OCC, the Board of Governor of the Federal Reserve System (Board), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA) (collectively, the Agencies), as part of their continuing effort to reduce paperwork and respondent burden, invite the general public and other Federal agencies to take this opportunity to comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the Agencies may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The OCC is soliciting comment on behalf of the Agencies concerning renewal of the information collection titled, ‘‘FFIEC Cybersecurity Assessment Tool.’’ DATES: Comments must be received by September 21, 2015. ADDRESSES: Because paper mail in the Washington, DC area and at the OCC is subject to delay, commenters are encouraged to submit comments by email, if possible. Comments may be sent to: Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, Attention: 1557–0328, 400 7th Street SW., Suite 3E–218, Mail Stop 9W–11, Washington, DC 20219. In addition, comments may be sent by fax to (571) 465–4326 or by electronic mail to prainfo@occ.treas.gov. You may personally inspect and photocopy comments at the OCC, 400 7th Street SW., Washington, DC 20219. For security reasons, the OCC requires that visitors make an appointment to inspect comments. You may do so by calling (202) 649–6700. Upon arrival, visitors will be required to present valid government-issued photo identification and to submit to security screening in order to inspect and photocopy comments. All comments received, including attachments and other supporting SUMMARY: E:\FR\FM\22JYN1.SGM 22JYN1 tkelley on DSK3SPTVN1PROD with NOTICES 43556 Federal Register / Vol. 80, No. 140 / Wednesday, July 22, 2015 / Notices materials, are part of the public record and subject to public disclosure. Do not enclose any information in your comment or supporting materials that you consider confidential or inappropriate for public disclosure. FOR FURTHER INFORMATION CONTACT: Shaquita Merritt, OCC Clearance Officer, or Beth Knickerbocker, Counsel (202) 649–5490, for persons who are deaf or hard of hearing, TTY, (202) 649– 5597, Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, 400 7th Street SW., Suite 3E–218, Mail Stop 9W–11, Washington, DC 20219. SUPPLEMENTARY INFORMATION: Under the PRA (44 U.S.C. 3501–3520), Federal agencies must obtain approval from OMB for each collection of information they conduct or sponsor. ‘‘Collection of information’’ is defined in 44 U.S.C. 3502(3) and 5 CFR 1320.3(c) to include agency requests or requirements that members of the public submit reports, keep records, or provide information to a third party. The definition contained in 5 CFR 1320.3(c) also includes a voluntary collection. Section 3506(c)(2)(A) of the PRA (44 U.S.C. 3506(c)(2)(A)) requires Federal agencies to provide a 60-day notice in the Federal Register concerning each proposed collection of information, including each proposed extension of an existing collection of information, before submitting the collection to OMB for approval. To comply with this requirement, the OCC is publishing, on behalf of the Agencies, a notice of the proposed collection of information set forth in this document. In connection with issuance of the assessment entitled ‘‘FFIEC Cybersecurity Assessment Tool,’’ 1 OMB provided a six-month approval for this information collection. The OCC is proposing to extend OMB approval of the collection for the standard three years. Title: FFIEC Cybersecurity Assessment Tool. OMB Number: 1557–0328. Description: Cyber threats have evolved and increased exponentially with greater sophistication than ever before. Financial institutions 2 are exposed to cyber risks because they are dependent on information technology to deliver services to consumers and businesses every day. Cyber attacks on financial institutions may not only 1 https://www.ffiec.gov/cyberassessmenttool.htm. 2 For purposes of this information collection, the term ‘‘financial institution’’ includes banks, savings associations, credit unions, bank and saving and loan holding companies and critical third-party service providers to financial institutions. VerDate Sep<11>2014 19:59 Jul 21, 2015 Jkt 235001 result in access to, and the compromise of, confidential information, but also the destruction of critical data and systems. Disruption, degradation, or unauthorized alteration of information and systems can affect an institution’s operations and core processes and undermine confidence in the nation’s financial services sector. Absent immediate attention to these rapidly increasing threats, financial institutions and the financial sector as a whole are at risk. For this reason, the Agencies, under the auspices of the Federal Financial Institutions Examination Council (‘‘FFIEC’’), have accelerated efforts to assess and enhance the state of the financial industry’s cyber preparedness and to close gaps in the Agencies’ examination procedures and training that can strengthen the oversight of financial industry cybersecurity readiness. The Agencies also have focused on improving their abilities to provide financial institutions with resources that can assist in protecting institutions and their customers from the growing risk posed by cyber attacks. As part of these increased efforts, the Agencies have developed a Cybersecurity Assessment Tool (‘‘Assessment’’) that will assist financial institutions of all sizes in assessing their inherent cybersecurity risks and their risk management capabilities. The Assessment will allow a financial institution to identify its inherent cyber risk profile based on the financial institution’s technologies and connection types, delivery channels, online/mobile products and technology services it offers, organizational characteristics, and threats it is likely to face. Once an institution identifies its inherent cyber risk profile, it will be able to use the Assessment’s maturity matrix to evaluate its level of cybersecurity preparedness based on the institution’s cyber risk management and oversight, threat intelligence capabilities, cybersecurity controls, external dependency management, and cyber incident management and resiliency planning. A financial institution can use the matrix’s maturity levels to identify opportunities for improving the institution’s cybersecurity, based on its inherent risk profile. The Assessment also will enable a financial institution to identify areas more rapidly that could improve its cybersecurity risk management and response programs, if needed. Use of the Assessment by financial institutions is not mandatory. Type of Review: Regular. Affected Public: Businesses or other for-profit. PO 00000 Frm 00171 Fmt 4703 Sfmt 4703 Estimated Number of Respondents: 3 OCC: 1,511 (19 large; 48 mid-size (including credit card banks); and 1,444 community national banks and Federal savings associations). Estimated Burden per Response: 80 hours. Total Estimated Burden: 120,880 hours. Board: 5,282 (858 state member banks; 522 large bank holding companies; 3,902 small bank holding companies). Estimated Burden per Response: 80 hours. Total Estimated Burden: 422,560. FDIC: 4,084 (includes 3,882 community banks). Estimated Burden per Response: 80 hours. Total Estimated Burden: 326,720. NCUA: 6,206. Estimated Burden per Response: 80 hours. Total Estimated Burden: 496,480. All Agencies: Estimated Number of Respondents: 176 technology service providers. Estimated Burden per Response: 80 hours. Total Estimated Burden: 14,080 hours. Estimated Frequency of Response: On occasion. Estimated Total Annual Burden: 1,380,720 hours. Comments submitted in response to this notice will be summarized and included in the request for OMB approval. All comments will become a matter of public record. Comments are invited on: (a) Whether the collection of information is necessary for the proper performance of the functions of the Agencies, including whether the information has practical utility; (b) The accuracy of the Agencies’ estimates of the burden of the collection of information; (c) Ways to enhance the quality, utility, and clarity of the information to be collected; (d) Ways to minimize the burden of the collection on respondents, including through the use of automated collection techniques or other forms of information technology; and (e) Estimates of capital or start-up costs and costs of operation, maintenance, and purchase of services to provide information. 3 Burden is estimated conservatively and assumes all institutions will complete the Assessment. Therefore, the estimated burden may exceed the actual burden because use of the Assessment by financial institutions is not mandatory. E:\FR\FM\22JYN1.SGM 22JYN1 Federal Register / Vol. 80, No. 140 / Wednesday, July 22, 2015 / Notices Dated: July 16, 2015. Stuart E. Feldstein, Director, Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency. [FR Doc. 2015–17907 Filed 7–21–15; 8:45 am] BILLING CODE P DEPARTMENT OF THE TREASURY Open Meeting of the Federal Advisory Committee on Insurance Departmental Offices, U.S. Department of the Treasury. AGENCY: ACTION: Notice of open meeting. This notice announces that the Department of the Treasury’s Federal Advisory Committee on Insurance (‘‘Committee’’) will convene a meeting on Thursday, August 6, 2015, in the Cash Room, 1500 Pennsylvania Avenue NW., Washington, DC 20220, from 1:00–5:00 p.m. Eastern Time. The meeting is open to the public, and the site is accessible to individuals with disabilities. SUMMARY: The meeting will be held on Thursday, August 6, 2015, from 1:00– 5:00 p.m. Eastern Time. DATES: The Federal Advisory Committee on Insurance meeting will be held in the Cash Room, Department of the Treasury, 1500 Pennsylvania Avenue NW., Washington, DC 20220. The meeting will be open to the public. Because the meeting will be held in a secured facility, members of the public who plan to attend the meeting must either: 1. Register online. Attendees may visit https://www.cvent.com/d/xrqfz6?ct= 6128d144-9ad5-45f5-910cc7b44560aae0&RefID =General+Attendee+Registration and fill out a secure online registration form. tkelley on DSK3SPTVN1PROD with NOTICES ADDRESSES: VerDate Sep<11>2014 19:59 Jul 21, 2015 Jkt 235001 A valid email address will be required to complete online registration. Note: Online registration will close at 5:00 p.m. Eastern Time on Friday, July 31, 2015. 2. Contact the Federal Insurance Office (FIO), at (202) 622–5892, by 5:00 p.m. Eastern Time on Friday, July 31, 2015, and provide registration information. Requests for reasonable accommodations under Section 504 of the Rehabilitation Act should be directed to Marcia Wilson, Office of Civil Rights and Diversity, Department of the Treasury at (202) 622–8177, or marcia.wilson@treasury.gov. FOR FURTHER INFORMATION CONTACT: Brett D. Hewitt, Policy Advisor, FIO, Room 1410, Department of the Treasury, 1500 Pennsylvania Avenue NW., Washington, DC 20220, at (202) 622– 5892 (this is not a toll-free number). Persons who have difficulty hearing or speaking may access this number via TTY by calling the toll-free Federal Relay Service at (800) 877–8339. SUPPLEMENTARY INFORMATION: Notice of this meeting is provided in accordance with the Federal Advisory Committee Act, 5 U.S.C. App. II, 10(a)(2), through implementing regulations at 41 CFR 102–3.150. Public Comment: Members of the public wishing to comment on the business of the Federal Advisory Committee on Insurance are invited to submit written statements by any of the following methods: Electronic Statements • Send electronic comments to faci@ treasury.gov. Paper Statements • Send paper statements in triplicate to the Federal Advisory Committee on Insurance, Room 1410, Department of PO 00000 Frm 00172 Fmt 4703 Sfmt 9990 43557 the Treasury, 1500 Pennsylvania Avenue NW., Washington, DC 20220. In general, the Department of the Treasury will post all statements on its Web site https://www.treasury.gov/ about/organizational-structure/offices/ Pages/Federal-Insurance.aspx without change, including any business or personal information provided such as names, addresses, email addresses, or telephone numbers. The Department of the Treasury will also make such statements available for public inspection and copying in the Department of the Treasury’s Library, 1500 Pennsylvania Avenue NW., Washington, DC 20220, on official business days between the hours of 10:00 a.m. and 5:00 p.m. Eastern Time. You can make an appointment to inspect statements by telephoning (202) 622–0990. All statements, including attachments and other supporting materials, received are part of the public record and subject to public disclosure. You should submit only information that you wish to make available publicly. Tentative Agenda/Topics for Discussion: This is a periodic meeting of the Committee, and in this meeting the Committee will discuss a number of issues, including developments in workers’ compensation insurance, additional perspectives on retirement security, FIO’s proposed definition of affordability of personal auto insurance, and Public Consultation Document on Higher Loss Absorbency Capacity for Global Systemically Important Insurers released by the International Association of Insurance Supervisors. The Committee will also receive updates from its subcommittees. Michael T. McRaith, Director, Federal Insurance Office. [FR Doc. 2015–17938 Filed 7–21–15; 8:45 am] BILLING CODE 4810–35–P E:\FR\FM\22JYN1.SGM 22JYN1

Agencies

[Federal Register Volume 80, Number 140 (Wednesday, July 22, 2015)]
[Notices]
[Pages 43555-43557]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2015-17907]


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DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency


Agency Information Collection Activities: Information Collection 
Renewal; Comment Request; FFIEC Cybersecurity Assessment Tool

AGENCY: Office of the Comptroller of the Currency (OCC), Treasury.

ACTION: Notice and request for comment.

-----------------------------------------------------------------------

SUMMARY: The OCC, the Board of Governor of the Federal Reserve System 
(Board), the Federal Deposit Insurance Corporation (FDIC), and the 
National Credit Union Administration (NCUA) (collectively, the 
Agencies), as part of their continuing effort to reduce paperwork and 
respondent burden, invite the general public and other Federal agencies 
to take this opportunity to comment on a continuing information 
collection, as required by the Paperwork Reduction Act of 1995 (PRA).
    In accordance with the requirements of the PRA, the Agencies may 
not conduct or sponsor, and the respondent is not required to respond 
to, an information collection unless it displays a currently valid 
Office of Management and Budget (OMB) control number.
    The OCC is soliciting comment on behalf of the Agencies concerning 
renewal of the information collection titled, ``FFIEC Cybersecurity 
Assessment Tool.''

DATES: Comments must be received by September 21, 2015.

ADDRESSES: Because paper mail in the Washington, DC area and at the OCC 
is subject to delay, commenters are encouraged to submit comments by 
email, if possible. Comments may be sent to: Legislative and Regulatory 
Activities Division, Office of the Comptroller of the Currency, 
Attention: 1557-0328, 400 7th Street SW., Suite 3E-218, Mail Stop 9W-
11, Washington, DC 20219. In addition, comments may be sent by fax to 
(571) 465-4326 or by electronic mail to prainfo@occ.treas.gov. You may 
personally inspect and photocopy comments at the OCC, 400 7th Street 
SW., Washington, DC 20219. For security reasons, the OCC requires that 
visitors make an appointment to inspect comments. You may do so by 
calling (202) 649-6700. Upon arrival, visitors will be required to 
present valid government-issued photo identification and to submit to 
security screening in order to inspect and photocopy comments.
    All comments received, including attachments and other supporting

[[Page 43556]]

materials, are part of the public record and subject to public 
disclosure. Do not enclose any information in your comment or 
supporting materials that you consider confidential or inappropriate 
for public disclosure.

FOR FURTHER INFORMATION CONTACT: Shaquita Merritt, OCC Clearance 
Officer, or Beth Knickerbocker, Counsel (202) 649-5490, for persons who 
are deaf or hard of hearing, TTY, (202) 649-5597, Legislative and 
Regulatory Activities Division, Office of the Comptroller of the 
Currency, 400 7th Street SW., Suite 3E-218, Mail Stop 9W-11, 
Washington, DC 20219.

SUPPLEMENTARY INFORMATION: Under the PRA (44 U.S.C. 3501-3520), Federal 
agencies must obtain approval from OMB for each collection of 
information they conduct or sponsor. ``Collection of information'' is 
defined in 44 U.S.C. 3502(3) and 5 CFR 1320.3(c) to include agency 
requests or requirements that members of the public submit reports, 
keep records, or provide information to a third party. The definition 
contained in 5 CFR 1320.3(c) also includes a voluntary collection. 
Section 3506(c)(2)(A) of the PRA (44 U.S.C. 3506(c)(2)(A)) requires 
Federal agencies to provide a 60-day notice in the Federal Register 
concerning each proposed collection of information, including each 
proposed extension of an existing collection of information, before 
submitting the collection to OMB for approval. To comply with this 
requirement, the OCC is publishing, on behalf of the Agencies, a notice 
of the proposed collection of information set forth in this document.
    In connection with issuance of the assessment entitled ``FFIEC 
Cybersecurity Assessment Tool,'' \1\ OMB provided a six-month approval 
for this information collection. The OCC is proposing to extend OMB 
approval of the collection for the standard three years.
---------------------------------------------------------------------------

    \1\ https://www.ffiec.gov/cyberassessmenttool.htm.
---------------------------------------------------------------------------

    Title: FFIEC Cybersecurity Assessment Tool.
    OMB Number: 1557-0328.
    Description: Cyber threats have evolved and increased exponentially 
with greater sophistication than ever before. Financial institutions 
\2\ are exposed to cyber risks because they are dependent on 
information technology to deliver services to consumers and businesses 
every day. Cyber attacks on financial institutions may not only result 
in access to, and the compromise of, confidential information, but also 
the destruction of critical data and systems. Disruption, degradation, 
or unauthorized alteration of information and systems can affect an 
institution's operations and core processes and undermine confidence in 
the nation's financial services sector. Absent immediate attention to 
these rapidly increasing threats, financial institutions and the 
financial sector as a whole are at risk.
---------------------------------------------------------------------------

    \2\ For purposes of this information collection, the term 
``financial institution'' includes banks, savings associations, 
credit unions, bank and saving and loan holding companies and 
critical third-party service providers to financial institutions.
---------------------------------------------------------------------------

    For this reason, the Agencies, under the auspices of the Federal 
Financial Institutions Examination Council (``FFIEC''), have 
accelerated efforts to assess and enhance the state of the financial 
industry's cyber preparedness and to close gaps in the Agencies' 
examination procedures and training that can strengthen the oversight 
of financial industry cybersecurity readiness. The Agencies also have 
focused on improving their abilities to provide financial institutions 
with resources that can assist in protecting institutions and their 
customers from the growing risk posed by cyber attacks.
    As part of these increased efforts, the Agencies have developed a 
Cybersecurity Assessment Tool (``Assessment'') that will assist 
financial institutions of all sizes in assessing their inherent 
cybersecurity risks and their risk management capabilities. The 
Assessment will allow a financial institution to identify its inherent 
cyber risk profile based on the financial institution's technologies 
and connection types, delivery channels, online/mobile products and 
technology services it offers, organizational characteristics, and 
threats it is likely to face. Once an institution identifies its 
inherent cyber risk profile, it will be able to use the Assessment's 
maturity matrix to evaluate its level of cybersecurity preparedness 
based on the institution's cyber risk management and oversight, threat 
intelligence capabilities, cybersecurity controls, external dependency 
management, and cyber incident management and resiliency planning. A 
financial institution can use the matrix's maturity levels to identify 
opportunities for improving the institution's cybersecurity, based on 
its inherent risk profile. The Assessment also will enable a financial 
institution to identify areas more rapidly that could improve its 
cybersecurity risk management and response programs, if needed. Use of 
the Assessment by financial institutions is not mandatory.
    Type of Review: Regular.
    Affected Public: Businesses or other for-profit.
    Estimated Number of Respondents: \3\
---------------------------------------------------------------------------

    \3\ Burden is estimated conservatively and assumes all 
institutions will complete the Assessment. Therefore, the estimated 
burden may exceed the actual burden because use of the Assessment by 
financial institutions is not mandatory.
---------------------------------------------------------------------------

    OCC: 1,511 (19 large; 48 mid-size (including credit card banks); 
and 1,444 community national banks and Federal savings associations).
    Estimated Burden per Response: 80 hours.
    Total Estimated Burden: 120,880 hours.
    Board: 5,282 (858 state member banks; 522 large bank holding 
companies; 3,902 small bank holding companies).
    Estimated Burden per Response: 80 hours.
    Total Estimated Burden: 422,560.
    FDIC: 4,084 (includes 3,882 community banks).
    Estimated Burden per Response: 80 hours.
    Total Estimated Burden: 326,720.
    NCUA: 6,206.
    Estimated Burden per Response: 80 hours.
    Total Estimated Burden: 496,480.
    All Agencies:
    Estimated Number of Respondents: 176 technology service providers.
    Estimated Burden per Response: 80 hours.
    Total Estimated Burden: 14,080 hours.
    Estimated Frequency of Response: On occasion.
    Estimated Total Annual Burden: 1,380,720 hours.
    Comments submitted in response to this notice will be summarized 
and included in the request for OMB approval. All comments will become 
a matter of public record. Comments are invited on:
    (a) Whether the collection of information is necessary for the 
proper performance of the functions of the Agencies, including whether 
the information has practical utility;
    (b) The accuracy of the Agencies' estimates of the burden of the 
collection of information;
    (c) Ways to enhance the quality, utility, and clarity of the 
information to be collected;
    (d) Ways to minimize the burden of the collection on respondents, 
including through the use of automated collection techniques or other 
forms of information technology; and
    (e) Estimates of capital or start-up costs and costs of operation, 
maintenance, and purchase of services to provide information.


[[Page 43557]]


     Dated: July 16, 2015.
Stuart E. Feldstein,
Director, Legislative and Regulatory Activities Division, Office of the 
Comptroller of the Currency.
[FR Doc. 2015-17907 Filed 7-21-15; 8:45 am]
BILLING CODE P

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