Agency Information Collection Activities: Submission for OMB Review; Comment Request, 41188-41189 [E9-19474]

Download as PDF 41188 Federal Register / Vol. 74, No. 156 / Friday, August 14, 2009 / Notices Comments submitted in response to this notice will be summarized, included in the request for OMB approval, and 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 agency, including whether the information has practical utility; (b) The accuracy of the agency’s estimate 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 startup costs and costs of operation, maintenance, and purchase of services to provide information. Dated: August 10, 2009. Michele Meyer, Assistant Director, Legislative and Regulatory Activities Division. [FR Doc. E9–19473 Filed 8–13–09; 8:45 am] BILLING CODE 4810–33–P DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency Agency Information Collection Activities: Submission for OMB Review; Comment Request mstockstill on DSKH9S0YB1PROD with NOTICES AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Notice and request for comment. SUMMARY: The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites 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. An agency may not conduct or sponsor, and a respondent is not required to respond to, an information collection unless it displays a currently valid OMB control number. The OCC is soliciting comment concerning its information collection titled, ‘‘Identity Theft Red Flags and Address Discrepancies under the Fair and Accurate Credit Transactions Act of 2003 (FACT Act).’’ The OCC also gives notice that it has sent the information collection to the Office of Management and Budget (OMB) for review. DATES: You should submit comments by September 14, 2009. ADDRESSES: Communications Division, Office of the Comptroller of the Currency, Mailstop 2–3, Attention: VerDate Nov<24>2008 16:27 Aug 13, 2009 Jkt 217001 1557–0237, 250 E Street, SW., Washington, DC 20219. In addition, comments may be sent by fax to (202) 874–5274, or by electronic mail to regs.comments@occ.treas.gov. You may personally inspect and photocopy comments at the OCC, 250 E Street, SW., Washington, DC. For security reasons, the OCC requires that visitors make an appointment to inspect comments. You may do so by calling (202) 874–4700. Upon arrival, visitors will be required to present valid government-issued photo identification and submit to security screening in order to inspect and photocopy comments. Additionally, you should send a copy of your comments to OCC Desk Officer, 1557–0237, by mail to U.S. Office of Management and Budget, 725 17th Street, NW., #10235, Washington, DC 20503, or by fax to (202) 395–6974. FOR FURTHER INFORMATION CONTACT: You can request additional information or a copy of the collection from Mary H. Gottlieb, OCC Clearance Officer, (202) 874–5090, Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, 250 E Street, SW., Washington, DC 20219. SUPPLEMENTARY INFORMATION: The OCC is proposing to extend OMB approval of the following information collection: Title: Identity Theft Red Flags and Address Discrepancies under the Fair and Accurate Credit Transactions Act of 2003 (FACT Act). OMB Number: 1557–0237. Description: 12 CFR 41.90, 41.91, 41.82 and Appendix J to part 41 implement sections 114 and 315 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), Public Law 108–159 (2003). Section 114 amended section 615 of the Fair Credit Reporting Act (FCRA) to require the OCC, FRB, FDIC, OTS, NCUA, and FTC (Agencies) to issue jointly: (1) Guidelines for financial institutions and creditors regarding identity theft with respect to their account holders and customers; (2) regulations requiring each financial institution and creditor to establish reasonable policies and procedures for implementing the guidelines to identify possible risks to account holders or customers or to the safety and soundness of the institution or creditor; and (3) regulations generally requiring credit and debit card issuers to assess the validity of change of address requests under certain circumstances. Section 315 amended section 605 of the FCRA to require the Agencies to issue regulations providing guidance regarding reasonable policies and PO 00000 Frm 00081 Fmt 4703 Sfmt 4703 procedures that a user of consumer reports must employ when a user receives a notice of address discrepancy from a consumer reporting agency (CRA). The information collections in § 41.90 require each financial institution and creditor that offers or maintains one or more covered accounts to develop and implement a written Identity Theft Prevention Program (Program). In developing the Program, financial institutions and creditors are required to consider the guidelines in Appendix J to part 41 and include those that are appropriate. The initial Program must be approved by the board of directors or an appropriate committee thereof and the board, an appropriate committee thereof or a designated employee at the level of senior management must be involved in the oversight of the Program. In addition, staff must be trained to carry out the Program. Pursuant to § 41.91, each credit and debit card issuer is required to establish and implement policies and procedures to assess the validity of a change of address request under certain circumstances. Before issuing an additional or replacement card, the card issuer must notify the cardholder or use another means to assess the validity of the change of address. The information collections in § 41.82 require each user of consumer reports to develop and implement reasonable policies and procedures designed to enable the user to form a reasonable belief that a consumer report relates to the consumer about whom it requested the report when the user receives a notice of address discrepancy from a CRA. A user of consumer reports must also develop and implement reasonable policies and procedures for furnishing an address for the consumer that the user has reasonably confirmed to be accurate to the CRA from which it receives a notice of address discrepancy when (1) the user can form a reasonable belief that the consumer report relates to the consumer about whom the user has requested the report; (2) the user establishes a continuing relationship with the consumer; and (3) the user regularly and in the ordinary course of business furnishes information to the CRA from which it received the notice of address discrepancy. Type of Review: Regular. Affected Public: Individuals; businesses or other for-profit. Estimated Number of Respondents: 1,635. Estimated Total Annual Responses: 6,550. Estimated Frequency of Response: On occasion. E:\FR\FM\14AUN1.SGM 14AUN1 Federal Register / Vol. 74, No. 156 / Friday, August 14, 2009 / Notices Estimated Total Annual Burden: 183,985 hours. The OCC issued a 60-day notice for comment on May 8, 2009. 74 FR 21740. Two comments were received. The burden estimates have been adjusted to take into consideration the comments. A summary of the comments can be found in the supporting statement contained in the collection, which is available from the contact person listed above under FOR FURTHER INFORMATION CONTACT. Comments continued to be invited on: (a) Whether the collection of information is necessary for the proper performance of the functions of the agency, including whether the information has practical utility; (b) The accuracy of the agency’s estimate 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 startup costs and costs of operation, maintenance, and purchase of services to provide information. Dated: August 10, 2009. Michele Meyer, Assistant Director, Legislative and Regulatory Activities Division. [FR Doc. E9–19474 Filed 8–13–09; 8:45 am] BILLING CODE 4810–33–P DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency Agency Information Collection Activities: Proposed Information Collection; Comment Request Office of the Comptroller of the Currency, Treasury. ACTION: Notice and request for comment. mstockstill on DSKH9S0YB1PROD with NOTICES AGENCY: SUMMARY: The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites 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. An agency may not conduct or sponsor, and a respondent is not required to respond to, an information collection unless it displays a currently valid OMB control number. The OCC is soliciting comment concerning its information collection VerDate Nov<24>2008 16:27 Aug 13, 2009 Jkt 217001 titled, ‘‘Securities Exchange Act Disclosure Rules (12 CFR Part 11).’’ DATES: Comments must be received by October 13, 2009. ADDRESSES: Communications Division, Office of the Comptroller of the Currency, Mailstop 2–3, Attention: 1557–0106, 250 E Street, SW., Washington, DC 20219. In addition, comments may be sent by fax to (202) 874–5274, or by electronic mail to regs.comments@occ.treas.gov. You may personally inspect and photocopy the comments at the OCC, 250 E 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) 874–4700. 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. Additionally, you should send a copy of your comments to OCC Desk Officer, 1557–0106, by mail to U.S. Office of Management and Budget, 725 17th Street, NW., #10235, Washington, DC 20503, or by fax to (202) 395–6974. FOR FURTHER INFORMATION CONTACT: You can request additional information or a copy of the collection from Mary H. Gottlieb, OCC Clearance Officer, (202) 874–5090, Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, 250 E Street, SW., Washington, DC 20219. SUPPLEMENTARY INFORMATION: The OCC is proposing to extend OMB approval of the following information collection: Title: Securities Exchange Act Disclosure Rules (12 CFR Part 11). OMB Control No.: 1557–0106. Description: This submission covers an existing regulation and involves no change to the regulation or to the information collection requirements. The OCC requests only that OMB approve its revised estimates. The Securities and Exchange Commission (SEC) is required by statute to collect, through regulation, from any firm that is required to register its stock with the SEC, certain information and documents. 15 U.S.C. 78m(a)(1). Federal law also requires the OCC to apply similar regulations to any national bank similarly required to be registered (those with a class of equity securities held by 500 or more shareholders). 15 U.S.C. 78l(i). 12 CFR Part 11 ensures that ‘‘a national bank whose securities are subject to registration’’ provides adequate information about its operations to current and potential PO 00000 Frm 00082 Fmt 4703 Sfmt 4703 41189 shareholders, depositors, and to the public. The OCC reviews the information to ensure that it complies with Federal law and makes public all information required to be filed under these rules. Investors, depositors, and the public use the information to make informed investment decisions. Type of Review: Extension of a currently approved collection. Affected Public: Individuals; Businesses or other for-profit. Estimated Number of Respondents: 29. Estimated Total Annual Responses: 185. Frequency of Response: On occasion. Estimated Total Annual Burden: 1,130.5 Comments submitted in response to this notice will be summarized, included in the request for OMB approval, and 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 agency, including whether the information has practical utility; (b) The accuracy of the agency’s estimate 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 startup costs and costs of operation, maintenance, and purchase of services to provide information. Dated: August 10, 2009. Michele Meyer, Assistant Director, Legislative and Regulatory Activities Division. [FR Doc. E9–19479 Filed 8–13–09; 8:45 am] BILLING CODE 4810–33–P DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency Agency Information Collection Activities: Submission for OMB Review; Comment Request AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Notice and request for comment. SUMMARY: The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal E:\FR\FM\14AUN1.SGM 14AUN1

Agencies

[Federal Register Volume 74, Number 156 (Friday, August 14, 2009)]
[Notices]
[Pages 41188-41189]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: E9-19474]


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DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency


Agency Information Collection Activities: Submission for OMB 
Review; Comment Request

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

ACTION: Notice and request for comment.

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

SUMMARY: The OCC, as part of its continuing effort to reduce paperwork 
and respondent burden, invites 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. An agency may not conduct or sponsor, and a respondent is not 
required to respond to, an information collection unless it displays a 
currently valid OMB control number. The OCC is soliciting comment 
concerning its information collection titled, ``Identity Theft Red 
Flags and Address Discrepancies under the Fair and Accurate Credit 
Transactions Act of 2003 (FACT Act).'' The OCC also gives notice that 
it has sent the information collection to the Office of Management and 
Budget (OMB) for review.

DATES: You should submit comments by September 14, 2009.

ADDRESSES: Communications Division, Office of the Comptroller of the 
Currency, Mailstop 2-3, Attention: 1557-0237, 250 E Street, SW., 
Washington, DC 20219. In addition, comments may be sent by fax to (202) 
874-5274, or by electronic mail to regs.comments@occ.treas.gov. You may 
personally inspect and photocopy comments at the OCC, 250 E Street, 
SW., Washington, DC. For security reasons, the OCC requires that 
visitors make an appointment to inspect comments. You may do so by 
calling (202) 874-4700. Upon arrival, visitors will be required to 
present valid government-issued photo identification and submit to 
security screening in order to inspect and photocopy comments.
    Additionally, you should send a copy of your comments to OCC Desk 
Officer, 1557-0237, by mail to U.S. Office of Management and Budget, 
725 17th Street, NW., 10235, Washington, DC 20503, or by fax 
to (202) 395-6974.

FOR FURTHER INFORMATION CONTACT: You can request additional information 
or a copy of the collection from Mary H. Gottlieb, OCC Clearance 
Officer, (202) 874-5090, Legislative and Regulatory Activities 
Division, Office of the Comptroller of the Currency, 250 E Street, SW., 
Washington, DC 20219.

SUPPLEMENTARY INFORMATION: The OCC is proposing to extend OMB approval 
of the following information collection:
    Title: Identity Theft Red Flags and Address Discrepancies under the 
Fair and Accurate Credit Transactions Act of 2003 (FACT Act).
    OMB Number: 1557-0237.
    Description: 12 CFR 41.90, 41.91, 41.82 and Appendix J to part 41 
implement sections 114 and 315 of the Fair and Accurate Credit 
Transactions Act of 2003 (FACT Act), Public Law 108-159 (2003).
    Section 114 amended section 615 of the Fair Credit Reporting Act 
(FCRA) to require the OCC, FRB, FDIC, OTS, NCUA, and FTC (Agencies) to 
issue jointly: (1) Guidelines for financial institutions and creditors 
regarding identity theft with respect to their account holders and 
customers; (2) regulations requiring each financial institution and 
creditor to establish reasonable policies and procedures for 
implementing the guidelines to identify possible risks to account 
holders or customers or to the safety and soundness of the institution 
or creditor; and (3) regulations generally requiring credit and debit 
card issuers to assess the validity of change of address requests under 
certain circumstances. Section 315 amended section 605 of the FCRA to 
require the Agencies to issue regulations providing guidance regarding 
reasonable policies and procedures that a user of consumer reports must 
employ when a user receives a notice of address discrepancy from a 
consumer reporting agency (CRA).
    The information collections in Sec.  41.90 require each financial 
institution and creditor that offers or maintains one or more covered 
accounts to develop and implement a written Identity Theft Prevention 
Program (Program). In developing the Program, financial institutions 
and creditors are required to consider the guidelines in Appendix J to 
part 41 and include those that are appropriate. The initial Program 
must be approved by the board of directors or an appropriate committee 
thereof and the board, an appropriate committee thereof or a designated 
employee at the level of senior management must be involved in the 
oversight of the Program. In addition, staff must be trained to carry 
out the Program. Pursuant to Sec.  41.91, each credit and debit card 
issuer is required to establish and implement policies and procedures 
to assess the validity of a change of address request under certain 
circumstances. Before issuing an additional or replacement card, the 
card issuer must notify the cardholder or use another means to assess 
the validity of the change of address.
    The information collections in Sec.  41.82 require each user of 
consumer reports to develop and implement reasonable policies and 
procedures designed to enable the user to form a reasonable belief that 
a consumer report relates to the consumer about whom it requested the 
report when the user receives a notice of address discrepancy from a 
CRA. A user of consumer reports must also develop and implement 
reasonable policies and procedures for furnishing an address for the 
consumer that the user has reasonably confirmed to be accurate to the 
CRA from which it receives a notice of address discrepancy when (1) the 
user can form a reasonable belief that the consumer report relates to 
the consumer about whom the user has requested the report; (2) the user 
establishes a continuing relationship with the consumer; and (3) the 
user regularly and in the ordinary course of business furnishes 
information to the CRA from which it received the notice of address 
discrepancy.
    Type of Review: Regular.
    Affected Public: Individuals; businesses or other for-profit.
    Estimated Number of Respondents: 1,635.
    Estimated Total Annual Responses: 6,550.
    Estimated Frequency of Response: On occasion.

[[Page 41189]]

    Estimated Total Annual Burden: 183,985 hours.
    The OCC issued a 60-day notice for comment on May 8, 2009. 74 FR 
21740. Two comments were received. The burden estimates have been 
adjusted to take into consideration the comments. A summary of the 
comments can be found in the supporting statement contained in the 
collection, which is available from the contact person listed above 
under FOR FURTHER INFORMATION CONTACT.
    Comments continued to be invited on:
    (a) Whether the collection of information is necessary for the 
proper performance of the functions of the agency, including whether 
the information has practical utility;
    (b) The accuracy of the agency's estimate 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 startup costs and costs of operation, 
maintenance, and purchase of services to provide information.

    Dated: August 10, 2009.
Michele Meyer,
Assistant Director, Legislative and Regulatory Activities Division.
[FR Doc. E9-19474 Filed 8-13-09; 8:45 am]
BILLING CODE 4810-33-P