Agency Information Collection Activities; Submission for OMB Review; Comment Request, 58994-58996 [2012-23524]
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58994
Federal Register / Vol. 77, No. 186 / Tuesday, September 25, 2012 / Notices
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The methodology combines the three
factors with appropriate rates of
discount to produce present-value
estimates of expected total defaultrelated carrying costs for a new
mortgage in each state. Those state-level
estimates were produced separately by
Fannie Mae and Freddie Mac. FHFA
weighted each Enterprise’s estimates by
its respective market share in recent
years to produce a single set of
estimates. FHFA then calculated the
standard deviation from the mean of the
state-level estimates of expected total
default-related carrying costs, which
was found to be 10 basis points.
The planned approach focuses on the
small number of states that have
expected total default-related carrying
costs that significantly exceed the
national average and, thus, cause the
greatest increase in average loss given
default. Based on current data, loans in
five states would be assessed upfront
fees. The state between one and one half
and two standard deviations from the
mean, Illinois, would have an upfront
fee of 15 basis points. The states
between two and three standard
deviations from the mean, Florida,
Connecticut, and New Jersey, would
have an upfront fee of 20 basis points.
The state more than three standard
deviations from the mean, New York,
would have an upfront fee of 30 basis
points.
This approach would allow for
variation in practice among the states
and impose upfront fees only on those
states that are statistical outliers from
the rest of the country. If those states
were to adjust their laws and
requirements sufficiently to move their
foreclosure timelines and costs more in
line with the national average, the statelevel, risk-based fees imposed under the
planned approach would be lowered or
eliminated. The approach recognizes
that each state establishes legal
requirements governing foreclosure
processing that it judges to be
appropriate for its residents. It also
recognizes that unusual costs associated
with practices outside of the norm in
the rest of the country should be borne
by the citizens of that particular state
rather than absorbed by borrowers in
other states or by taxpayers.
Future Changes to State-Level G-Fee
Adjustments
The planned approach bases statelevel adjustments to upfront fees on past
experience and a limited range of cost
variables. FHFA would consider, in the
future, changes to its methodology to
address additional variables. For
example, these could include estimates
of the impact of recently-enacted laws
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14:15 Sep 24, 2012
Jkt 226001
and ordinances. Such calculations
would be based on experience with
similar laws and ordinances and their
effects on per-day carrying costs. FHFA
could also include a wider range of state
actions in its methodology. For
example, FHFA could consider state
laws and ordinances affecting the
disposition of acquired real estate
following a default, commonly referred
to as real estate owned (REO), and
address attendant costs created by state
and local rules that impose charges
above a certain amount or impose duties
that add to the costs of the Enterprises.
The Enterprises, therefore, could
undertake revisions to their state-level
g-fees based on experience gained with
additional measurement devices.
Input
FHFA invites input from any person
with views on the planned approach
and on potential future changes to statelevel g-fee adjustments. In particular,
FHFA is interested in the following
three questions:
1. Is standard deviation a reasonable
basis for identifying those states that are
significantly more costly than the
national average?
2. Should finer distinctions be made
between states than the approach
described here?
3. Should an upfront fee or an upfront
credit be assessed on every state based
on its relationship to the national
average total carrying cost, such that the
net revenue effect on the Enterprises is
zero?
FHFA will accept public input
through its Office of Policy Analysis and
Research (OPAR), no later than
November 26, 2012, as the agency
moves forward with its deliberations on
appropriate action. Communications
may be addressed to FHFA OPAR, 400
Seventh Street SW., Ninth Floor,
Washington, DC 20024, or emailed to
gfeeinput@fhfa.gov. Communications to
FHFA may be made public and would
include any personal information
provided.
Dated: September 19, 2012.
Edward J. DeMarco,
Acting Director, Federal Housing Finance
Agency.
[FR Doc. 2012–23531 Filed 9–24–12; 8:45 am]
BILLING CODE 8070–01–P
FEDERAL TRADE COMMISSION
Agency Information Collection
Activities; Submission for OMB
Review; Comment Request
Federal Trade Commission
(‘‘FTC’’ or ‘‘Commission’’).
ACTION:
Notice.
The FTC intends to ask the
Office of Management and Budget
(‘‘OMB’’) to extend through November
30, 2015, the current Paperwork
Reduction Act (‘‘PRA’’) clearance for the
information collection requirements in
the FTC Red Flags/Card Issuers/Address
Discrepancies Rules 1 (‘‘Rules’’). That
clearance expires on November 30,
2012.
DATES: Comments must be submitted by
October 25, 2012.
ADDRESSES: Interested parties may file a
comment online or on paper, by
following the instructions in the
Request for Comment part of the
SUPPLEMENTARY INFORMATION section
below. Write ‘‘Red Flags Rule, PRA2
Comment, Project No. P095406’’ on your
comment, and file your comment online
at https://ftcpublic.commentworks.com/
ftc/RedFlagsPRA2 by following the
instructions on the web-based form. If
you prefer to file your comment on
paper, mail or deliver your comment to
the following address: Federal Trade
Commission, Office of the Secretary,
Room H–113 (Annex J), 600
Pennsylvania Avenue NW., Washington,
DC 20580.
FOR FURTHER INFORMATION CONTACT:
Requests for additional information
should be addressed to Steven Toporoff,
Attorney, Division of Privacy and
Identity Protection, Bureau of Consumer
Protection, Federal Trade Commission,
600 Pennsylvania Avenue NW., NJ–
3158, Washington, DC 20580.
Telephone: (202) 326–2252.
SUPPLEMENTARY INFORMATION:
Title: Red Flags Rule, 16 CFR 681.1;
Card Issuers Rule, 16 CFR 681.2;
Address Discrepancy Rule, 16 CFR Part
641.
OMB Control Number: 3084–0137.
Type of Review: Extension of
currently approved collection.
Abstract: The Red Flags Rule requires
financial institutions and certain
creditors to develop and implement
written Identity Theft Prevention
Programs. The Card Issuers Rule
requires credit and debit card issuers to
assess the validity of notifications of
address changes under certain
circumstances. The Address
Discrepancy Rule provides guidance on
what users of consumer reports must do
when they receive a notice of address
discrepancy from a nationwide
consumer reporting agency.
Collectively, these three anti-identity
theft provisions are intended to prevent
impostures from misusing another
SUMMARY:
AGENCY:
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1 16
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CFR 681.1; 16 CFR 681.2; 16 CFR Part 641.
25SEN1
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Federal Register / Vol. 77, No. 186 / Tuesday, September 25, 2012 / Notices
person’s personal information for a
fraudulent purpose.
On July 10, 2012, the Commission
sought comment on the information
collection requirements and staff’s PRA
burden estimates associated with the
Rules (‘‘July 10 Notice’’). 77 FR 40614.
No comments were received.
Nonetheless, after further review of
Census Bureau data, FTC staff has
refined the estimated number of
respondents subject to the Address
Discrepancy Rule, which in turn, affects
estimated hours burden in the aggregate.
These revisions are detailed below.
Estimated Annual Burdens: 2
A. Section 114: Red Flags and Card
Issuers Rules:
(1) Red Flags:
(a) Estimated Number of Respondents:
167,639.
(i) High risk: 105,774.
(ii) Low risk: 61,865.
(b) Estimated Hours Burden:
(i) High-Risk Entities: 1,375,062
hours.
(ii) Low-Risk Entities: 38,150 hours.
(2) Card Issuers Rule:
(a) Estimated Number of Respondents:
17,978.
(b) Estimated Hours Burden: 71,912
hours.
(3) Combined Labor Cost Burden:
$62,375,208.
B. Section 315—Address Discrepancy
Rule:
(1) Estimated Number of Respondents:
1,757,385.
(2) Estimated Hours Burden: 821,780.
(3) Estimated Labor Cost Burden:
$13,970,260.
C. Capital/Non-Labor Costs for
Sections 114 and 315.
FTC staff believes that the Rules
impose negligible capital or other nonlabor costs, as the affected entities are
likely to have the necessary supplies
and/or equipment already (e.g., offices
and computers) for the information
collections described herein.
Revised Estimated Burden for the
Address Discrepancy Rule:
The July 10 Notice stated that the
number of entities likely covered by the
Address Discrepancy Rule totaled
2,449,605 users of consumer reports.
That tabulation, however, contained
certain double-counting. Also, part of
the revised estimate is based on newer
Census data 3 that is also more
consistent with source material
previously used to estimate the
2 The calculations underlying the estimates for
Section 114 are detailed in the related July 10, 2012
Federal Register Notice. See 77 FR at 40614.
3 https://www.census.gov/econ/susb/ (Statistics of
U.S. Businesses, ‘‘U.S., All industries’’: 2009
‘‘County Business Patterns’’ spreadsheet).
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population subject to the Address
Discrepancy Rule.
Using the revised inputs, staff
estimates that Section 315 affects
approximately 1,757,385 users of
consumer reports subject to the FTC’s
jurisdiction. In addition, staff estimates
that approximately 10,000 of these users
will receive notice of a discrepancy, in
the course of their usual and customary
business practices, and thereby have to
furnish to credit reporting agencies an
address confirmation.
As detailed in the July 10 Notice,
estimated average annual burden per
entity to develop and follow policies
and procedures for a notice of
discrepancy is 28 minutes.4 The
cumulative hour burden for 1,757,385
entities would thus be 820,113 hours.
The average annual burden for the
10,000 users of consumer reports to
furnish a correct address to a consumer
reporting agency is 10 minutes per
entity, for a total of 1,667 hours. Thus,
the cumulative estimated burden for
Section 315 is revised to 821,780 hours.
As further detailed in the July 10
Notice, the FTC estimates an hourly rate
of $17 for administrative staff to comply
with the policies and procedures for the
Address Discrepancy Rule.5
Accordingly, the total annual labor cost
under Section 315 is revised to
$13,970,260 (821,780 hours × $17 per
hour).
Pursuant to the OMB regulations, 5
CFR Part 1320, that implement the PRA,
44 U.S.C. 3501 et seq., the FTC is
providing a second opportunity for the
public to comment while seeking OMB
approval to renew the pre-existing
clearance for the Rule.
Request for Comment:
You can file a comment online or on
paper. For the FTC to consider your
comment, we must receive it on or
before October 25, 2012. Write ‘‘Red
Flags Rule, PRA2, Project No. P095406’’
on your comment. Your comment—
including your name and your state—
will be placed on the public record of
this proceeding, including, to the extent
practicable, on the public Commission
Web site, at https://www.ftc.gov/os/
publiccomments.shtm. As a matter of
discretion, the Commission tries to
remove individuals’ home contact
information from comments before
placing them on the Commission Web
site.
Because your comment will be made
public, you are solely responsible for
making sure that your comment does
not include any sensitive personal
information, like anyone’s Social
4 77
FR at 40617.
5 Id.
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58995
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. You are also solely responsible
for making sure that your comment does
not include any sensitive health
information, like medical records or
other individually identifiable health
information. In addition, do 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 FTC Rule 4.10(a)(2), 16 CFR
4.10(a)(2). If you want the Commission
to give your comment confidential
treatment, you must file it in paper
form, with a request for confidential
treatment, and you have to follow the
procedure explained in FTC Rule 4.9(c),
16 CFR 4.9(c).6 Your comment will be
kept confidential only if the FTC
General Counsel, in his or her sole
discretion, grants your request in
accordance with the law and the public
interest.
Postal mail addressed to the
Commission is subject to delay due to
heightened security screening. As a
result, we encourage you to submit your
comments online, or to send them to the
Commission by courier or overnight
service. To make sure that the
Commission considers your online
comment, you must file it at https://
ftcpublic.commentworks.com/ftc/
RedFlagsPRA2 by following the
instructions on the web-based form. If
this Notice appears at https://
www.regulations.gov/#!home, you also
may file a comment through that Web
site.
If you file your comment on paper,
write ‘‘Red Flags Rule, PRA2, Project
No. P095406’’ on your comment and on
the envelope, and mail or deliver it to
the following address: Federal Trade
Commission, Office of the Secretary,
Room H–113 (Annex J), 600
Pennsylvania Avenue NW., Washington,
DC 20580. If possible, submit your
paper comment to the Commission by
courier or overnight service.
Visit the Commission Web site at
https://www.ftc.gov to read this Notice.
The FTC Act and other laws that the
Commission administers permit the
collection of public comments to
consider and use in this proceeding as
appropriate. The Commission will
6 In particular, the written request for confidential
treatment that accompanies the comment must
include the factual and legal basis for the request,
and must identify the specific portions of the
comment to be withheld from the public record. See
FTC Rule 4.9(c), 16 CFR 4.9(c).
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58996
Federal Register / Vol. 77, No. 186 / Tuesday, September 25, 2012 / Notices
consider all timely and responsive
public comments that it receives on or
before October 25, 2012. You can find
more information, including routine
uses permitted by the Privacy Act, in
the Commission’s privacy policy, at
https://www.ftc.gov/ftc/privacy.htm.
Comments on the information
collection requirements subject to
review under the PRA should
additionally be submitted to OMB. If
sent by U.S. mail, they should be
addressed to Office of Information and
Regulatory Affairs, Office of
Management and Budget, Attention:
Desk Officer for the Federal Trade
Commission, New Executive Office
Building, Docket Library, Room 10102,
725 17th Street NW., Washington, DC
20503. Comments sent to OMB by U.S.
postal mail, however, are subject to
delays due to heightened security
precautions. Thus, comments instead
should be sent by facsimile to (202)
395–5167.
Willard K. Tom,
General Counsel.
[FR Doc. 2012–23524 Filed 9–24–12; 8:45 am]
BILLING CODE 6750–01–P
GENERAL SERVICES
ADMINISTRATION
[Notice-QDA–2012–01; Docket No. 2012–
0002; Sequence 17]
Multiple Award Schedule (MAS)
Program Continuous Open Season—
Operational Change; Extension of
Comment Period
Federal Acquisition Service
(FAS), General Services Administration
(GSA).
ACTION: Notice with a request for
comments; extension of comment
period.
AGENCY:
The General Services
Administration (GSA), Federal
Acquisition Service (FAS) issued a
notice on July 23, 2012. The comment
period is extended to provide additional
SUMMARY:
time for interested parties to the review
and submit comments on the notice.
DATES: The comment period for the
notice published in the Federal Register
at 77 FR 43084, July 23, 2012, is
extended for 30 days after publication in
the Federal Register.
This change in operations will
become effective 60 days after
publication in the Federal Register.
Comment Date: Interested parties
should submit written comments to the
Regulatory Secretariat at one of the
addressees shown below on or before 30
days after publication in the Federal
Register. This will allow GSA sufficient
time to consider the comments prior to
the effective date of this notice.
ADDRESSES: Submit comments in
response to Notice-QDA–2012–01 by
any of the following methods:
• Regulations.gov: https://www.
regulations.gov. Submit comments via
the Federal eRulemaking portal by
searching for ‘‘Notice-QDA–2012–01’’.
Select the link ‘‘Submit a Comment’’
that corresponds with ‘‘Notice-QDA–
2012–01.’’ Follow the instructions
provided at the ‘‘Submit a Comment’’
screen. Please include your name,
company name (if any), and ‘‘NoticeQDA–2012–01’’ on your attached
document.
• FAX: (202) 501–4067.
• Mail: General Services
Administration, Regulatory Secretariat
(MVCB), ATTN: Hada Flowers, 1275
First Street NE., 7th Floor, Washington,
DC 20417.
Instructions: Please submit comments
only and cite Notice-QDA–2012–01, in
all correspondence related to this case.
All comments received will be posted
without change to https://www.
regulations.gov, including any personal
and/or business confidential
information provided.
FOR FURTHER INFORMATION CONTACT: Mrs.
Angela Lehman, telephone 703–605–
9541, email DemandBasedModel@gsa.
gov.
The
General Services Administration (GSA),
SUPPLEMENTARY INFORMATION:
Federal Acquisition Service (FAS)
published a notice in the Federal
Register at 77 FR 43084, July 23, 2012.
The comment period is extended to
provide additional time for interested
parties to the review and submit
comments on the notice.
Dated: September 12, 2012.
Houston Taylor,
Assistant Commissioner, Office of Acquisition
Management, Federal Acquisition Service,
General Services Administration.
[FR Doc. 2012–23607 Filed 9–24–12; 8:45 am]
BILLING CODE 6820–89–P
DEPARTMENT OF HEALTH AND
HUMAN SERVICES
Administration for Children and
Families
Proposed Information Collection
Activity; Comment Request
Proposed Projects
Title: State Self-Assessment Review
and Report.
OMB No.: 0970–0223.
Description: Section 454(15)(A) of the
Social Security Act, as amended by the
Personal Responsibility and Work
Opportunity Reconciliation Act of 1996,
requires each State to annually assess
the performance of its child support
enforcement program in accordance
with standards specified by the
Secretary of the Department of Health
and Human Services, and to provide a
report of the findings to the Secretary.
This information is required to
determine if States are complying with
Federal child support mandates and
providing the best services possible. The
report is also intended to be used as a
management tool to help States evaluate
their programs and assess performance.
Respondents: State Child Support
Enforcement Agencies or the
Department/Agency/Bureau responsible
for Child Support Enforcement in each
State.
ANNUAL BURDEN ESTIMATES
emcdonald on DSK67QTVN1PROD with NOTICES
Instrument
Number of
respondents
Number of
responses per
respondent
Average
burden hours
per response
Total burden
hours
Self-assessment report ....................................................................................
54
1
4
216
Estimated Total Annual Burden
Hours: 216.
In compliance with the requirements
of Section 506(c)(2)(A) of the Paperwork
Reduction Act of 1995, the
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Administration for Children and
Families is soliciting public comment
on the specific aspects of the
information collection described above.
Copies of the proposed collection of
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information can be obtained and
comments may be forwarded by writing
to the Administration for Children and
Families, Office of Planning, Research
and Evaluation, 370 L’Enfant
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]]>Agencies
[Federal Register Volume 77, Number 186 (Tuesday, September 25, 2012)]
[Notices]
[Pages 58994-58996]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2012-23524]
=======================================================================
-----------------------------------------------------------------------
FEDERAL TRADE COMMISSION
Agency Information Collection Activities; Submission for OMB
Review; Comment Request
AGENCY: Federal Trade Commission (``FTC'' or ``Commission'').
ACTION: Notice.
-----------------------------------------------------------------------
SUMMARY: The FTC intends to ask the Office of Management and Budget
(``OMB'') to extend through November 30, 2015, the current Paperwork
Reduction Act (``PRA'') clearance for the information collection
requirements in the FTC Red Flags/Card Issuers/Address Discrepancies
Rules \1\ (``Rules''). That clearance expires on November 30, 2012.
---------------------------------------------------------------------------
\1\ 16 CFR 681.1; 16 CFR 681.2; 16 CFR Part 641.
---------------------------------------------------------------------------
DATES: Comments must be submitted by October 25, 2012.
ADDRESSES: Interested parties may file a comment online or on paper, by
following the instructions in the Request for Comment part of the
SUPPLEMENTARY INFORMATION section below. Write ``Red Flags Rule, PRA2
Comment, Project No. P095406'' on your comment, and file your comment
online at https://ftcpublic.commentworks.com/ftc/RedFlagsPRA2 by
following the instructions on the web-based form. If you prefer to file
your comment on paper, mail or deliver your comment to the following
address: Federal Trade Commission, Office of the Secretary, Room H-113
(Annex J), 600 Pennsylvania Avenue NW., Washington, DC 20580.
FOR FURTHER INFORMATION CONTACT: Requests for additional information
should be addressed to Steven Toporoff, Attorney, Division of Privacy
and Identity Protection, Bureau of Consumer Protection, Federal Trade
Commission, 600 Pennsylvania Avenue NW., NJ-3158, Washington, DC 20580.
Telephone: (202) 326-2252.
SUPPLEMENTARY INFORMATION:
Title: Red Flags Rule, 16 CFR 681.1; Card Issuers Rule, 16 CFR
681.2; Address Discrepancy Rule, 16 CFR Part 641.
OMB Control Number: 3084-0137.
Type of Review: Extension of currently approved collection.
Abstract: The Red Flags Rule requires financial institutions and
certain creditors to develop and implement written Identity Theft
Prevention Programs. The Card Issuers Rule requires credit and debit
card issuers to assess the validity of notifications of address changes
under certain circumstances. The Address Discrepancy Rule provides
guidance on what users of consumer reports must do when they receive a
notice of address discrepancy from a nationwide consumer reporting
agency. Collectively, these three anti-identity theft provisions are
intended to prevent impostures from misusing another
[[Page 58995]]
person's personal information for a fraudulent purpose.
On July 10, 2012, the Commission sought comment on the information
collection requirements and staff's PRA burden estimates associated
with the Rules (``July 10 Notice''). 77 FR 40614. No comments were
received. Nonetheless, after further review of Census Bureau data, FTC
staff has refined the estimated number of respondents subject to the
Address Discrepancy Rule, which in turn, affects estimated hours burden
in the aggregate. These revisions are detailed below.
Estimated Annual Burdens: \2\
---------------------------------------------------------------------------
\2\ The calculations underlying the estimates for Section 114
are detailed in the related July 10, 2012 Federal Register Notice.
See 77 FR at 40614.
---------------------------------------------------------------------------
A. Section 114: Red Flags and Card Issuers Rules:
(1) Red Flags:
(a) Estimated Number of Respondents: 167,639.
(i) High risk: 105,774.
(ii) Low risk: 61,865.
(b) Estimated Hours Burden:
(i) High-Risk Entities: 1,375,062 hours.
(ii) Low-Risk Entities: 38,150 hours.
(2) Card Issuers Rule:
(a) Estimated Number of Respondents: 17,978.
(b) Estimated Hours Burden: 71,912 hours.
(3) Combined Labor Cost Burden: $62,375,208.
B. Section 315--Address Discrepancy Rule:
(1) Estimated Number of Respondents: 1,757,385.
(2) Estimated Hours Burden: 821,780.
(3) Estimated Labor Cost Burden: $13,970,260.
C. Capital/Non-Labor Costs for Sections 114 and 315.
FTC staff believes that the Rules impose negligible capital or
other non-labor costs, as the affected entities are likely to have the
necessary supplies and/or equipment already (e.g., offices and
computers) for the information collections described herein.
Revised Estimated Burden for the Address Discrepancy Rule:
The July 10 Notice stated that the number of entities likely
covered by the Address Discrepancy Rule totaled 2,449,605 users of
consumer reports. That tabulation, however, contained certain double-
counting. Also, part of the revised estimate is based on newer Census
data \3\ that is also more consistent with source material previously
used to estimate the population subject to the Address Discrepancy
Rule.
---------------------------------------------------------------------------
\3\ https://www.census.gov/econ/susb/ (Statistics of U.S.
Businesses, ``U.S., All industries'': 2009 ``County Business
Patterns'' spreadsheet).
---------------------------------------------------------------------------
Using the revised inputs, staff estimates that Section 315 affects
approximately 1,757,385 users of consumer reports subject to the FTC's
jurisdiction. In addition, staff estimates that approximately 10,000 of
these users will receive notice of a discrepancy, in the course of
their usual and customary business practices, and thereby have to
furnish to credit reporting agencies an address confirmation.
As detailed in the July 10 Notice, estimated average annual burden
per entity to develop and follow policies and procedures for a notice
of discrepancy is 28 minutes.\4\ The cumulative hour burden for
1,757,385 entities would thus be 820,113 hours. The average annual
burden for the 10,000 users of consumer reports to furnish a correct
address to a consumer reporting agency is 10 minutes per entity, for a
total of 1,667 hours. Thus, the cumulative estimated burden for Section
315 is revised to 821,780 hours.
---------------------------------------------------------------------------
\4\ 77 FR at 40617.
---------------------------------------------------------------------------
As further detailed in the July 10 Notice, the FTC estimates an
hourly rate of $17 for administrative staff to comply with the policies
and procedures for the Address Discrepancy Rule.\5\ Accordingly, the
total annual labor cost under Section 315 is revised to $13,970,260
(821,780 hours x $17 per hour).
---------------------------------------------------------------------------
\5\ Id.
---------------------------------------------------------------------------
Pursuant to the OMB regulations, 5 CFR Part 1320, that implement
the PRA, 44 U.S.C. 3501 et seq., the FTC is providing a second
opportunity for the public to comment while seeking OMB approval to
renew the pre-existing clearance for the Rule.
Request for Comment:
You can file a comment online or on paper. For the FTC to consider
your comment, we must receive it on or before October 25, 2012. Write
``Red Flags Rule, PRA2, Project No. P095406'' on your comment. Your
comment--including your name and your state--will be placed on the
public record of this proceeding, including, to the extent practicable,
on the public Commission Web site, at https://www.ftc.gov/os/publiccomments.shtm. As a matter of discretion, the Commission tries to
remove individuals' home contact information from comments before
placing them on the Commission Web site.
Because your comment will be made public, you are solely
responsible for making sure that your comment does not include any
sensitive personal information, like anyone'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. You are also solely
responsible for making sure that your comment does not include any
sensitive health information, like medical records or other
individually identifiable health information. In addition, do 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 FTC Rule 4.10(a)(2), 16 CFR 4.10(a)(2). If you want
the Commission to give your comment confidential treatment, you must
file it in paper form, with a request for confidential treatment, and
you have to follow the procedure explained in FTC Rule 4.9(c), 16 CFR
4.9(c).\6\ Your comment will be kept confidential only if the FTC
General Counsel, in his or her sole discretion, grants your request in
accordance with the law and the public interest.
---------------------------------------------------------------------------
\6\ In particular, the written request for confidential
treatment that accompanies the comment must include the factual and
legal basis for the request, and must identify the specific portions
of the comment to be withheld from the public record. See FTC Rule
4.9(c), 16 CFR 4.9(c).
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Postal mail addressed to the Commission is subject to delay due to
heightened security screening. As a result, we encourage you to submit
your comments online, or to send them to the Commission by courier or
overnight service. To make sure that the Commission considers your
online comment, you must file it at https://ftcpublic.commentworks.com/ftc/RedFlagsPRA2 by following the instructions on the web-based form.
If this Notice appears at https://www.regulations.gov/#!home, you also
may file a comment through that Web site.
If you file your comment on paper, write ``Red Flags Rule, PRA2,
Project No. P095406'' on your comment and on the envelope, and mail or
deliver it to the following address: Federal Trade Commission, Office
of the Secretary, Room H-113 (Annex J), 600 Pennsylvania Avenue NW.,
Washington, DC 20580. If possible, submit your paper comment to the
Commission by courier or overnight service.
Visit the Commission Web site at https://www.ftc.gov to read this
Notice. The FTC Act and other laws that the Commission administers
permit the collection of public comments to consider and use in this
proceeding as appropriate. The Commission will
[[Page 58996]]
consider all timely and responsive public comments that it receives on
or before October 25, 2012. You can find more information, including
routine uses permitted by the Privacy Act, in the Commission's privacy
policy, at https://www.ftc.gov/ftc/privacy.htm.
Comments on the information collection requirements subject to
review under the PRA should additionally be submitted to OMB. If sent
by U.S. mail, they should be addressed to Office of Information and
Regulatory Affairs, Office of Management and Budget, Attention: Desk
Officer for the Federal Trade Commission, New Executive Office
Building, Docket Library, Room 10102, 725 17th Street NW., Washington,
DC 20503. Comments sent to OMB by U.S. postal mail, however, are
subject to delays due to heightened security precautions. Thus,
comments instead should be sent by facsimile to (202) 395-5167.
Willard K. Tom,
General Counsel.
[FR Doc. 2012-23524 Filed 9-24-12; 8:45 am]
BILLING CODE 6750-01-P
