Agency Information Collection; Activity Under OMB Review; Preservation of Air carrier Records, 25352-25353 [2013-10113]
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25352
Federal Register / Vol. 78, No. 83 / Tuesday, April 30, 2013 / Notices
depth interviews with members of the
general public to help inform future
revisions to the Monroney label and
guide the development of a consumer
education program. In addition, this
consumer research will help to ensure
that various advanced crash avoidance
technologies the agency promotes are
important and usable to consumers, and
the information provided leads to
consumer understanding of the benefits
of these technologies.
In this collection of information,
NHTSA is seeking approval to conduct
qualitative consumer research and indepth interviews to test consumer
familiarity and understanding of
advanced crash avoidance technology
systems so that labeling and consumer
materials will help consumers make
informed vehicle purchase decisions.
Specifically, this research will be
guided by the following objectives:
(i) Explore consumer familiarity with
and understanding of advanced crash
avoidance technologies;
(ii) Explore potential nomenclature
and rating systems that can be used to
communicate information about
advanced crash avoidance technologies;
(iii) Guide considerations for design
modifications of current New Car
Assessment Program Government 5-Star
Safety Ratings label to include
information about advanced crash
avoidance technologies;
(iv) Guide the development of a
consumer information program to
improve awareness and understanding
of advanced crash avoidance
technologies.
On January 11, 2013, NHTSA
published the 60-day notice requesting
public comment on the proposed
collection of information to the Federal
Register on January 11, 2013. One
comment was received from Agero, Inc,
which expressed support for this
research plan. Specifically, Agero
requested NHTSA explore technologies
such as advanced automatic crash
notification and other technologies to
determine how best to provide
consumers with meaningful, useful
information. They have also requested
exploring standard nomenclature,
communication channels and the
potential impact that including
technologies on the Monroney Label has
on a consumer’s likelihood to seek more
information—all of which are goals for
the focus group research.
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13:22 Apr 29, 2013
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Requested Expiration Date of
Approval: Three years from approval
date.
Gregory A. Walter,
Senior Associate Administrator, Policy and
Operations.
[FR Doc. 2013–10126 Filed 4–29–13; 8:45 am]
BILLING CODE 4910–59–P
DEPARTMENT OF TRANSPORTATION
Research & Innovative Technology
Administration
[Docket ID Number RITA 2008–0002]
Agency Information Collection;
Activity Under OMB Review;
Preservation of Air carrier Records
Research & Innovative
Technology Administration (RITA),
Bureau of Transportation Statistics
(BTS), DOT.
ACTION: Notice.
AGENCY:
SUMMARY: In compliance with the
Paperwork Reduction Act of 1995 (44
U.S.C. 3501 et seq.), this notice
announces that the Information
Collection Request (ICR) abstracted
below has been forwarded to the Office
of Management and Budget (OMB) for
extension of currently approved
collections. The ICR describes the
nature of the information collection and
its expected burden. The Federal
Register Notice with a 60-day comment
period soliciting comments on the
following collection of information was
published on February 13, 2013 (74 FR
59018). No comments were received.
DATES: Written comments should be
submitted by May 30, 2013.
FOR FURTHER INFORMATION CONTACT: Jeff
Gorham, Office of Airline Information,
RTS–42, Room E34–414, RITA, BTS,
1200 New Jersey Avenue SE.,
Washington, DC 20590–0001,
Telephone Number (202) 366–4406, Fax
Number (202) 366–3383 or EMAIL
jeff.gorham@dot.gov.
Comments: Send comments to the
Office of Information and Regulatory
Affairs, Office of Management and
Budget, 725—17th Street NW.,
Washington, DC 20503, Attention:
RITA/BTS Desk Officer.
SUPPLEMENTARY INFORMATION:
OMB Approval No. 2138–0006
Title: Preservation of Air carrier
Records—14 CFR Part 249
Form No.: None.
Type of Review: Extension of a
currently approved collection
Respondents: Certificated air carriers
and charter operators
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Number of Respondents: 90
certificated air carriers and 300 charter
operators.
Estimated Time per Response: 3 hours
per certificated air carrier; 1 hour per
charter operator.
Total Annual Burden: 570 hours.
Needs and Uses: Part 249 requires the
retention of records such as: general and
subsidiary ledgers, journals and journal
vouchers, voucher distribution registers,
accounts receivable and payable
journals and legers, subsidy records
documenting underlying financial and
statistical reports to DOT, funds reports,
consumer records, sales reports,
auditors’ and flight coupons, air
waybills, etc. Depending on the nature
of the document, the carrier may be
required to retain the document for a
period of 30 days to 3 years. Public
charter operators and overseas military
personnel charter operators must retain
documents which evidence or reflect
deposits made by each charter
participant and commissions received
by, paid to, or deducted by travel agents,
and all statements, invoices, bills and
receipts from suppliers or furnishers of
goods and services in connection with
the tour or charter. These records are
retained for 6 months after completion
of the charter program.
Not only is it imperative that carriers
and charter operators retain source
documentation, but it is critical that we
ensure that DOT has access to these
records. Given DOT’s established
information needs for such reports, the
underlying support documentation must
be retained for a reasonable period of
time. Absent the retention requirements,
the support for such reports may or may
not exist for audit/validation purposes
and the relevance and usefulness of the
carrier submissions would be impaired,
since the data could not be verified to
the source on a test basis.
The Confidential Information
Protection and Statistical Efficiency Act
of 2002 (44 USC 3501 note), requires a
statistical agency to clearly identify
information it collects for non-statistical
purposes. BTS hereby notifies the
respondents and the public that BTS
uses the information it collects under
this OMB approval for non-statistical
purposes including, but not limited to,
publication of both Respondent’s
identity and its data, submission of the
information to agencies outside BTS for
review, analysis and possible use in
regulatory and other administrative
matters.
Comments are invited on: Whether
the proposed record retention
requirements are necessary for the
proper performance of the functions of
the Department. Comments should
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Federal Register / Vol. 78, No. 83 / Tuesday, April 30, 2013 / Notices
address 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.
Issued in Washington, DC, on April 23,
2013.
William Chadwick Jr.,
Director, Office of Airline Information.
[FR Doc. 2013–10113 Filed 4–29–13; 8:45 am]
BILLING CODE 4910–HY–P
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
[Docket ID OCC–2013–0005]
Proposed Guidance on Deposit
Advance Products; Withdrawal of
Proposed Guidance on DepositRelated Consumer Credit Products
Office of the Comptroller of
the Currency, Treasury (OCC).
ACTION: Proposed guidance with request
for comment; withdrawal of proposed
Guidance on Deposit-Related Consumer
Credit Products.
pmangrum on DSK3VPTVN1PROD with NOTICES
AGENCIES:
SUMMARY: The OCC is proposing
guidance on safe and sound banking
practices and consumer protection in
connection with deposit advance
products. The OCC is also withdrawing
its proposed guidance on DepositRelated Consumer Credit Products
published on June 8, 2011.
DATES: Comments must be submitted on
or before May 30, 2013.
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. Please use the title
‘‘Guidance on Deposit Advance
Products’’ to facilitate the organization
and distribution of the comments. You
may submit comments by any of the
following methods:
• Email:
regs.comments@occ.treas.gov.
• Mail: 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.
• Hand Delivery/Courier: 400 7th
Street SW., Suite 3E–218, Mail Stop
9W–11, Washington, DC 20219.
• Fax: (571) 465–4326.
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Instructions: You must include
‘‘OCC’’ as the agency name and ‘‘Docket
ID OCC–2013–0005’’ in your comment.
In general, OCC will enter all comments
received into the docket and publish
them on the Regulations.gov Web site
without change, including any business
or personal information that you
provide such as name and address
information, email addresses, or phone
numbers. Comments received, including
attachments and other supporting
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.
You may review comments and other
related materials that pertain to this
notice by any of the following methods:
• Viewing Comments Personally: You
may personally inspect and photocopy
comments at the OCC, 400 7th 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) 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.
• Docket: You may also view or
request available background
documents and project summaries using
the methods described above.
FOR FURTHER INFORMATION CONTACT:
Robert Piepergerdes, Director for Retail
Credit Risk, (202) 649–6220; Kimberly
Hebb, Director for Compliance Policy,
(202) 649–5470; Kenneth Lennon,
Assistant Director for Community and
Consumer Law, (202) 649–6350; Office
of the Comptroller of the Currency, 400
7th Street SW., Washington, DC 20219.
SUPPLEMENTARY INFORMATION:
I. Introduction
The Office of the Comptroller of the
Currency (OCC) is proposing
supervisory guidance to clarify the
OCC’s application of principles of safe
and sound banking practices and
consumer protection in connection with
deposit advance products. This
proposed guidance details the
principles that the OCC expects OCCsupervised financial institutions to
follow in connection with any deposit
advance product to address potential
reputational, compliance, legal and
credit risks. The OCC expects
institutions to apply the principles set
forth in this guidance to any deposit
advance product they offer.
The OCC is also withdrawing its
proposed guidance on Deposit-Related
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25353
Consumer Credit Products published on
June 8, 2011 (76 FR 33409).
II. Description of Guidance
A deposit advance product is a smalldollar, short-term loan that a depository
institution (bank) makes available to a
customer whose deposit account reflects
recurring direct deposits. The customer
is allowed to take out a loan, which is
to be repaid from the proceeds of the
next direct deposit. These loans
typically have high fees, are repaid in a
lump sum in advance of the customer’s
other bills, and often do not utilize
fundamental and prudent banking
practices to determine the customer’s
ability to repay the loan and meet other
necessary financial obligations.
The OCC continues to encourage
banks to respond to customers’ smalldollar credit needs; however, banks
should be aware that deposit advance
products can pose a variety of safety and
soundness, compliance, consumer
protection, and other risks. The OCC is
proposing guidance to ensure that any
bank offering these products does so in
a safe and sound manner and does not
engage in practices that would increase
credit, compliance, legal, and reputation
risks to the institution.
III. Guidance
The text of the proposed supervisory
guidance on deposit advance products
follows:
OCC Proposed Guidance on Deposit
Advance Products
The Office of the Comptroller of the
Currency (OCC) is proposing
supervisory guidance to depository
institutions (banks) that offer deposit
advance products. This guidance is
intended to ensure that banks are aware
of the significant risks associated with
deposit advance products. The guidance
also supplements the OCC’s existing
guidance on payday loans and subprime
lending.1 Although the OCC encourages
banks to respond to customers’ smalldollar credit needs in a responsible
manner and with reasonable terms and
conditions, deposit advance products
pose a variety of safety and soundness,
compliance, and consumer protection
risks to banks.2
1 OCC Advisory Letter AL 2000–10 Payday
Lending, AL 2000–10 (November 27,2000);
‘‘Expanded Guidance for Subprime Lending
Programs’’ (Subprime Lending Guidance), jointly
signed by the OCC, the Board of Governors of the
Federal Reserve (Board), the Federal Deposit
Insurance Corporation (FDIC), and the Office of
Thrift Supervision (OTS) (January 31, 2001).
2 This Guidance on Deposit Advance Products
does not apply to banks’ overdraft lines of credit.
Overdraft lines of credit typically do not have
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]]>Agencies
[Federal Register Volume 78, Number 83 (Tuesday, April 30, 2013)]
[Notices]
[Pages 25352-25353]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2013-10113]
-----------------------------------------------------------------------
DEPARTMENT OF TRANSPORTATION
Research & Innovative Technology Administration
[Docket ID Number RITA 2008-0002]
Agency Information Collection; Activity Under OMB Review;
Preservation of Air carrier Records
AGENCY: Research & Innovative Technology Administration (RITA), Bureau
of Transportation Statistics (BTS), DOT.
ACTION: Notice.
-----------------------------------------------------------------------
SUMMARY: In compliance with the Paperwork Reduction Act of 1995 (44
U.S.C. 3501 et seq.), this notice announces that the Information
Collection Request (ICR) abstracted below has been forwarded to the
Office of Management and Budget (OMB) for extension of currently
approved collections. The ICR describes the nature of the information
collection and its expected burden. The Federal Register Notice with a
60-day comment period soliciting comments on the following collection
of information was published on February 13, 2013 (74 FR 59018). No
comments were received.
DATES: Written comments should be submitted by May 30, 2013.
FOR FURTHER INFORMATION CONTACT: Jeff Gorham, Office of Airline
Information, RTS-42, Room E34-414, RITA, BTS, 1200 New Jersey Avenue
SE., Washington, DC 20590-0001, Telephone Number (202) 366-4406, Fax
Number (202) 366-3383 or EMAIL jeff.gorham@dot.gov.
Comments: Send comments to the Office of Information and Regulatory
Affairs, Office of Management and Budget, 725--17th Street NW.,
Washington, DC 20503, Attention: RITA/BTS Desk Officer.
SUPPLEMENTARY INFORMATION:
OMB Approval No. 2138-0006
Title: Preservation of Air carrier Records--14 CFR Part 249
Form No.: None.
Type of Review: Extension of a currently approved collection
Respondents: Certificated air carriers and charter operators
Number of Respondents: 90 certificated air carriers and 300 charter
operators.
Estimated Time per Response: 3 hours per certificated air carrier;
1 hour per charter operator.
Total Annual Burden: 570 hours.
Needs and Uses: Part 249 requires the retention of records such as:
general and subsidiary ledgers, journals and journal vouchers, voucher
distribution registers, accounts receivable and payable journals and
legers, subsidy records documenting underlying financial and
statistical reports to DOT, funds reports, consumer records, sales
reports, auditors' and flight coupons, air waybills, etc. Depending on
the nature of the document, the carrier may be required to retain the
document for a period of 30 days to 3 years. Public charter operators
and overseas military personnel charter operators must retain documents
which evidence or reflect deposits made by each charter participant and
commissions received by, paid to, or deducted by travel agents, and all
statements, invoices, bills and receipts from suppliers or furnishers
of goods and services in connection with the tour or charter. These
records are retained for 6 months after completion of the charter
program.
Not only is it imperative that carriers and charter operators
retain source documentation, but it is critical that we ensure that DOT
has access to these records. Given DOT's established information needs
for such reports, the underlying support documentation must be retained
for a reasonable period of time. Absent the retention requirements, the
support for such reports may or may not exist for audit/validation
purposes and the relevance and usefulness of the carrier submissions
would be impaired, since the data could not be verified to the source
on a test basis.
The Confidential Information Protection and Statistical Efficiency
Act of 2002 (44 USC 3501 note), requires a statistical agency to
clearly identify information it collects for non-statistical purposes.
BTS hereby notifies the respondents and the public that BTS uses the
information it collects under this OMB approval for non-statistical
purposes including, but not limited to, publication of both
Respondent's identity and its data, submission of the information to
agencies outside BTS for review, analysis and possible use in
regulatory and other administrative matters.
Comments are invited on: Whether the proposed record retention
requirements are necessary for the proper performance of the functions
of the Department. Comments should
[[Page 25353]]
address 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.
Issued in Washington, DC, on April 23, 2013.
William Chadwick Jr.,
Director, Office of Airline Information.
[FR Doc. 2013-10113 Filed 4-29-13; 8:45 am]
BILLING CODE 4910-HY-P
