Statement of Policy Regarding Communications in Connection With Collection of a Decedent's Debt, 70262-70263 [2010-28882]

Download as PDF 70262 Federal Register / Vol. 75, No. 221 / Wednesday, November 17, 2010 / Notices acceptable use of the wireless device off the school’s and library’s premises; (6) For schools, a description of the program’s curriculum objectives, the grade levels included, and the number of students and teachers involved in the program; and (7) For schools, any data collected on program outcomes. Additionally, after the trial period, applicants will be required to submit a report to the Commission’s Wireline Competition Bureau detailing any data collected as a result of the program and a narrative describing lessons learned from the program that would assist other schools and libraries desiring to adopt similar programs in the future. Marlene H. Dortch, Secretary, Federal Communications Commission. [FR Doc. 2010–29013 Filed 11–16–10; 8:45 am] BILLING CODE 6712–01–P FEDERAL RESERVE SYSTEM mstockstill on DSKH9S0YB1PROD with NOTICES Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and § 225.41 of the Board’s Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank holding company. The factors that are considered in acting on the notices are set forth in paragraph 7 of the Act (12 U.S.C. 1817(j)(7)). The notices are available for immediate inspection at the Federal Reserve Bank indicated. The notices also will be available for inspection at the offices of the Board of Governors. Interested persons may express their views in writing to the Reserve Bank indicated for that notice or to the offices of the Board of Governors. Comments must be received not later than December 13, 2010. A. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480–0291: 1. Bitterroot Holding Company, Lolo, Montana, to retain shares of West One Bank, Kalispell, Montana. Board of Governors of the Federal Reserve System, November 12, 2010. Robert deV. Frierson, Deputy Secretary of the Board. [FR Doc. 2010–28953 Filed 11–16–10; 8:45 am] BILLING CODE 6210–01–P VerDate Mar<15>2010 16:21 Nov 16, 2010 Jkt 223001 FEDERAL RESERVE SYSTEM Notice of Proposals To Engage in Permissible Nonbanking Activities or To Acquire Companies That Are Engaged in Permissible Nonbanking Activities The companies listed in this notice have given notice under section 4 of the Bank Holding Company Act (12 U.S.C. 1843) (BHC Act) and Regulation Y, (12 CFR Part 225) to engage de novo, or to acquire or control voting securities or assets of a company, including the companies listed below, that engages either directly or through a subsidiary or other company, in a nonbanking activity that is listed in § 225.28 of Regulation Y (12 CFR 225.28) or that the Board has determined by Order to be closely related to banking and permissible for bank holding companies. Unless otherwise noted, these activities will be conducted throughout the United States. Each notice is available for inspection at the Federal Reserve Bank indicated. The notice also will be available for inspection at the offices of the Board of Governors. Interested persons may express their views in writing on the question whether the proposal complies with the standards of section 4 of the BHC Act. Unless otherwise noted, comments regarding the applications must be received at the Reserve Bank indicated or the offices of the Board of Governors not later than December 3, 2010. A. Federal Reserve Bank of Dallas (E. Ann Worthy, Vice President) 2200 North Pearl Street, Dallas, Texas 75201– 2272: 1. Family Bancorp, San Antonio, Texas, to engage de novo in lending activities pursuant to section 225.28(b)(1) of Regulation Y. Board of Governors of the Federal Reserve System, November 12, 2010. Robert deV. Frierson, Deputy Secretary of the Board. [FR Doc. 2010–28954 Filed 11–16–10; 8:45 am] BILLING CODE 6210–01–P FEDERAL TRADE COMMISSION Statement of Policy Regarding Communications in Connection With Collection of a Decedent’s Debt Federal Trade Commission (FTC or Commission). ACTION: Extension of the public comment period. AGENCY: The FTC has determined to extend until December 1, 2010, the time period for filing public comments in SUMMARY: PO 00000 Frm 00064 Fmt 4703 Sfmt 4703 response to its proposed Statement of Policy Regarding Communications in Connection with Collection of a Decedent’s Debt. DATES: Written comments must be received on or before December 1, 2010. ADDRESSES: Interested parties are invited to submit written comments electronically or in paper form by following the instructions in the SUPPLEMENTARY INFORMATION section below. Comments in electronic form should be submitted by using the following weblink: https:// ftcpublic.commentworks.com/ftc/ deceaseddebtcollection (and following the instructions on the web-based form). Comments in paper form should be mailed or delivered to the following address: Federal Trade Commission, Office of the Secretary, Room H–113 (Annex W), 600 Pennsylvania Avenue, NW., Washington, DC 20580, (202) 326– 2252. FOR FURTHER INFORMATION CONTACT: Christopher Koegel or Quisaira Whitney, Attorneys, Division of Financial Practices, Federal Trade Commission, 600 Pennsylvania Avenue, NW., Washington, DC 20580, (202) 326– 3224. SUPPLEMENTARY INFORMATION: On October 8, 2010, the Commission published (75 FR 62389) a notice of proposed statement of enforcement policy regarding communications in connection with collection of a decedent’s debts (‘‘proposed Statement’’) seeking comment on the overall costs, benefits, necessity, and regulatory and economic impact of the proposed Statement. Currently, the proposed Statement addresses three issues pertaining to debt collectors who attempt to collect on the debts of deceased debtors. First, the proposed Statement announces that the FTC will not bring enforcement actions for violations of Section 805(b) of the Fair Debt Collection Practices Act (‘‘FDCPA’’), 15 U.S.C. 1692c(b), against collectors who, in connection with the collection of a decedent’s debt, communicate with a person who has authority to pay the decedent’s debts from the assets of the decedent’s estate. Second, the proposed Statement clarifies how a debt collector may locate the appropriate person with whom to discuss the decedent’s debt. Third, the proposed Statement emphasizes to collectors that misleading consumers about their personal obligation to pay a decedent’s debt is a violation of the FDCPA and Section 5 of the Federal Trade Commission Act (‘‘FTC Act’’), 15 U.S.C. 45. The notice designated E:\FR\FM\17NON1.SGM 17NON1 mstockstill on DSKH9S0YB1PROD with NOTICES Federal Register / Vol. 75, No. 221 / Wednesday, November 17, 2010 / Notices November 8, 2010, as the deadline for filing public comments. Public comment on the Commission’s proposed Statement is critical to developing policies that are fair and beneficial to consumers, creditors, and legitimate debt collectors. The Commission has been notified that several parties are interested in filing public comments on the proposed Statement, but would need additional time to comment. Because the proposed Statement implicates complicated issues involving not only FDCPA law, but also state probate law, the Commission is extending the deadline for public comment. The short extension of the comment period will not substantially delay Commission action. The Commission is mindful of the need to deal with this matter expeditiously; however, it also recognizes that the proposed Statement involves complex issues and believes that extending the comment period to facilitate the creation of a more complete evaluation outweighs any harm that might result from any delay. Accordingly, the Commission has decided to extend the comment period until December 1, 2010, to allow for additional comment. Comments should refer to ‘‘Deceased Debt Collection Policy Statement’’ to facilitate the organization of comments. Please note that your comment—including your name and your state—will be placed on the public record of this proceeding, including on the publicly accessible FTC Web site, at http://www.ftc.gov/os/ publiccomments.shtm. Because comments will be made public, they should not include any sensitive personal information, such as an individual’s Social Security Number; date of birth; driver’s license number or other state identification number, or foreign country equivalent; passport number; financial account number; or credit or debit card number. Comments also should not include any sensitive health information, such as medical records or other individually identifiable health information. In addition, comments should not include any ‘‘[t]rade secret or any commercial or financial information which is obtained from any person and which is privileged or confidential,’’ as provided in Section 6(f) of the FTC Act, 15 U.S.C. 46(f), and Commission Rule 4.10(a)(2), 16 CFR 4.10(a)(2). Comments containing material for which confidential treatment is requested must be filed in paper form and clearly labeled ‘‘Confidential.’’ 1 1 The comment must also be accompanied by an explicit request for confidential treatment, VerDate Mar<15>2010 16:21 Nov 16, 2010 Jkt 223001 Because paper mail addressed to the FTC is subject to delay due to heightened security screening, please consider submitting your comments in electronic form. Comments filed in electronic form should be submitted by using the following weblink: https:// ftcpublic.commentworks.com/ftc/ deceaseddebtcollection (and following the instructions on the web-based form). To ensure that the Commission considers an electronic comment, you must file it on the web-based form at the weblink https:// ftcpublic.commentworks.com/ftc/ deceaseddebtcollection. If this Notice appears at http://www.regulations.gov/ search/index.jsp, you may also file an electronic comment through that Web site. The Commission will consider all comments that regulations.gov forwards to it. You may also visit the FTC Web site at http://www.ftc.gov to read the Notice and the news release describing it. A comment filed in paper form should include the ‘‘Deceased Debt Collection Policy Statement’’ reference both in the text and on the envelope, and should be mailed or delivered to the following address: Federal Trade Commission/Office of the Secretary, Room H–113 (Annex W), 600 Pennsylvania Avenue, NW., Washington, DC 20580. The FTC is requesting that any comment filed in paper form be sent by courier or overnight service, if possible, because U.S. postal mail in the Washington area and at the Commission is subject to delay due to heightened security precautions. The Federal Trade Commission Act (‘‘FTC Act’’) and other laws the Commission administers permit the collection of public comments to consider and use in this proceeding as appropriate. The Commission will consider all timely and responsive public comments that it receives, whether filed in paper or electronic form. Comments received will be available to the public on the FTC Web site, to the extent practicable, at http:// www.ftc.gov/os/publiccomments.shtm. As a matter of discretion, the Commission makes every effort to remove home contact information for individuals from the public comments it receives before placing those comments on the FTC Web site. More information, including routine uses permitted by the including the factual and legal basis for the request, and must identify the specific portions of the comment to be withheld from the public record. The request will be granted or denied by the Commission’s General Counsel, consistent with applicable law and the public interest. See Commission Rule 4.9(c), 16 CFR 4.9(c). PO 00000 Frm 00065 Fmt 4703 Sfmt 4703 70263 Privacy Act, may be found in the FTC’s privacy policy, at http://www.ftc.gov/ ftc/privacy.shtm. By direction of the Commission. Donald S. Clark, Secretary. [FR Doc. 2010–28882 Filed 11–16–10; 8:45 am] BILLING CODE P DEPARTMENT OF DEFENSE GENERAL SERVICES ADMINISTRATION NATIONAL AERONAUTICS AND SPACE ADMINISTRATION [OMB Control No. 9000–0161; Docket 2010– 0083; Sequence 25] Federal Acquisition Regulation; Submission for OMB Review; Reporting Purchases From Sources Outside the United States Department of Defense (DOD), General Services Administration (GSA), and National Aeronautics and Space Administration (NASA). ACTION: Notice of request for public comments regarding an extension to an existing OMB clearance. AGENCY: Under the provisions of the Paperwork Reduction Act of 1995 (44 U.S.C. Chapter 35), the Regulatory Secretariat will be submitting to the Office of Management and Budget (OMB) a request to review and approve an extension of a currently approved information collection requirement concerning reporting purchases from sources outside the United States. Public comments are particularly invited on: Whether this collection of information is necessary for the proper performance of functions of the FAR, and whether it will have practical utility; whether our estimate of the public burden of this collection of information is accurate, and based on valid assumptions and methodology; ways to enhance the quality, utility, and clarity of the information to be collected; and ways in which we can minimize the burden of the collection of information on those who are to respond, through the use of appropriate technological collection techniques or other forms of information technology. DATES: Submit comments on or before December 17, 2010. ADDRESSES: Submit comments identified by Information Collection 9000–0161 by any of the following methods: • Regulations.gov: http:// www.regulations.gov. Submit comments SUMMARY: E:\FR\FM\17NON1.SGM 17NON1

Agencies

[Federal Register Volume 75, Number 221 (Wednesday, November 17, 2010)]
[Notices]
[Pages 70262-70263]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2010-28882]


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FEDERAL TRADE COMMISSION


Statement of Policy Regarding Communications in Connection With 
Collection of a Decedent's Debt

AGENCY: Federal Trade Commission (FTC or Commission).

ACTION: Extension of the public comment period.

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

SUMMARY: The FTC has determined to extend until December 1, 2010, the 
time period for filing public comments in response to its proposed 
Statement of Policy Regarding Communications in Connection with 
Collection of a Decedent's Debt.

DATES: Written comments must be received on or before December 1, 2010.

ADDRESSES: Interested parties are invited to submit written comments 
electronically or in paper form by following the instructions in the 
SUPPLEMENTARY INFORMATION section below. Comments in electronic form 
should be submitted by using the following weblink: https://ftcpublic.commentworks.com/ftc/deceaseddebtcollection (and following 
the instructions on the web-based form). Comments in paper form should 
be mailed or delivered to the following address: Federal Trade 
Commission, Office of the Secretary, Room H-113 (Annex W), 600 
Pennsylvania Avenue, NW., Washington, DC 20580, (202) 326-2252.

FOR FURTHER INFORMATION CONTACT: Christopher Koegel or Quisaira 
Whitney, Attorneys, Division of Financial Practices, Federal Trade 
Commission, 600 Pennsylvania Avenue, NW., Washington, DC 20580, (202) 
326-3224.

SUPPLEMENTARY INFORMATION: On October 8, 2010, the Commission published 
(75 FR 62389) a notice of proposed statement of enforcement policy 
regarding communications in connection with collection of a decedent's 
debts (``proposed Statement'') seeking comment on the overall costs, 
benefits, necessity, and regulatory and economic impact of the proposed 
Statement. Currently, the proposed Statement addresses three issues 
pertaining to debt collectors who attempt to collect on the debts of 
deceased debtors. First, the proposed Statement announces that the FTC 
will not bring enforcement actions for violations of Section 805(b) of 
the Fair Debt Collection Practices Act (``FDCPA''), 15 U.S.C. 1692c(b), 
against collectors who, in connection with the collection of a 
decedent's debt, communicate with a person who has authority to pay the 
decedent's debts from the assets of the decedent's estate. Second, the 
proposed Statement clarifies how a debt collector may locate the 
appropriate person with whom to discuss the decedent's debt. Third, the 
proposed Statement emphasizes to collectors that misleading consumers 
about their personal obligation to pay a decedent's debt is a violation 
of the FDCPA and Section 5 of the Federal Trade Commission Act (``FTC 
Act''), 15 U.S.C. 45. The notice designated

[[Page 70263]]

November 8, 2010, as the deadline for filing public comments.
    Public comment on the Commission's proposed Statement is critical 
to developing policies that are fair and beneficial to consumers, 
creditors, and legitimate debt collectors. The Commission has been 
notified that several parties are interested in filing public comments 
on the proposed Statement, but would need additional time to comment. 
Because the proposed Statement implicates complicated issues involving 
not only FDCPA law, but also state probate law, the Commission is 
extending the deadline for public comment.
    The short extension of the comment period will not substantially 
delay Commission action. The Commission is mindful of the need to deal 
with this matter expeditiously; however, it also recognizes that the 
proposed Statement involves complex issues and believes that extending 
the comment period to facilitate the creation of a more complete 
evaluation outweighs any harm that might result from any delay. 
Accordingly, the Commission has decided to extend the comment period 
until December 1, 2010, to allow for additional comment. Comments 
should refer to ``Deceased Debt Collection Policy Statement'' to 
facilitate the organization of comments. Please note that your 
comment--including your name and your state--will be placed on the 
public record of this proceeding, including on the publicly accessible 
FTC Web site, at http://www.ftc.gov/os/publiccomments.shtm.
    Because comments will be made public, they should not include any 
sensitive personal information, such as an individual's Social Security 
Number; date of birth; driver's license number or other state 
identification number, or foreign country equivalent; passport number; 
financial account number; or credit or debit card number. Comments also 
should not include any sensitive health information, such as medical 
records or other individually identifiable health information. In 
addition, comments should not include any ``[t]rade secret or any 
commercial or financial information which is obtained from any person 
and which is privileged or confidential,'' as provided in Section 6(f) 
of the FTC Act, 15 U.S.C. 46(f), and Commission Rule 4.10(a)(2), 16 CFR 
4.10(a)(2). Comments containing material for which confidential 
treatment is requested must be filed in paper form and clearly labeled 
``Confidential.'' \1\
---------------------------------------------------------------------------

    \1\ The comment must also be accompanied by an explicit request 
for confidential treatment, including the factual and legal basis 
for the request, and must identify the specific portions of the 
comment to be withheld from the public record. The request will be 
granted or denied by the Commission's General Counsel, consistent 
with applicable law and the public interest. See Commission Rule 
4.9(c), 16 CFR 4.9(c).
---------------------------------------------------------------------------

    Because paper mail addressed to the FTC is subject to delay due to 
heightened security screening, please consider submitting your comments 
in electronic form. Comments filed in electronic form should be 
submitted by using the following weblink: https://ftcpublic.commentworks.com/ftc/deceaseddebtcollection (and following 
the instructions on the web-based form). To ensure that the Commission 
considers an electronic comment, you must file it on the web-based form 
at the weblink https://ftcpublic.commentworks.com/ftc/deceaseddebtcollection. If this Notice appears at http://www.regulations.gov/search/index.jsp, you may also file an electronic 
comment through that Web site. The Commission will consider all 
comments that regulations.gov forwards to it. You may also visit the 
FTC Web site at http://www.ftc.gov to read the Notice and the news 
release describing it.
    A comment filed in paper form should include the ``Deceased Debt 
Collection Policy Statement'' reference both in the text and on the 
envelope, and should be mailed or delivered to the following address: 
Federal Trade Commission/Office of the Secretary, Room H-113 (Annex W), 
600 Pennsylvania Avenue, NW., Washington, DC 20580. The FTC is 
requesting that any comment filed in paper form be sent by courier or 
overnight service, if possible, because U.S. postal mail in the 
Washington area and at the Commission is subject to delay due to 
heightened security precautions.
    The Federal Trade Commission Act (``FTC Act'') and other laws the 
Commission administers permit the collection of public comments to 
consider and use in this proceeding as appropriate. The Commission will 
consider all timely and responsive public comments that it receives, 
whether filed in paper or electronic form. Comments received will be 
available to the public on the FTC Web site, to the extent practicable, 
at http://www.ftc.gov/os/publiccomments.shtm. As a matter of 
discretion, the Commission makes every effort to remove home contact 
information for individuals from the public comments it receives before 
placing those comments on the FTC Web site. More information, including 
routine uses permitted by the Privacy Act, may be found in the FTC's 
privacy policy, at http://www.ftc.gov/ftc/privacy.shtm.

    By direction of the Commission.
Donald S. Clark,
Secretary.
[FR Doc. 2010-28882 Filed 11-16-10; 8:45 am]
BILLING CODE P