Agency Information Collection Activities; Proposed Collection; Comment Request, 52918-52921 [2013-20794]

Download as PDF tkelley on DSK3SPTVN1PROD with NOTICES 52918 Federal Register / Vol. 78, No. 166 / Tuesday, August 27, 2013 / Notices 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). In particular, do not include competitively sensitive information such as costs, sales statistics, inventories, formulas, patterns, devices, manufacturing processes, or customer names. 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).11 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. To make sure that the Commission considers your online comment, you must file it at https:// ftcpublic.commentworks.com/ftc/ regulationopra, 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 ‘‘Regulation O PRA Comment, FTC File No. P134812’’ 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, 11 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). VerDate Mar<15>2010 15:54 Aug 26, 2013 Jkt 229001 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 and the news release describing it. 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 consider all timely and responsive public comments that it receives on or before September 26, 2013. 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. David C. Shonka, Principal Deputy General Counsel. [FR Doc. 2013–20796 Filed 8–26–13; 8:45 am] BILLING CODE 6750–01–P FEDERAL TRADE COMMISSION Agency Information Collection Activities; Proposed Collection; Comment Request Federal Trade Commission (‘‘FTC’’ or ‘‘Commission’’). ACTION: Notice. AGENCY: The FTC intends to ask the Office of Management and Budget (‘‘OMB’’) to extend through December 31, 2016, the current Paperwork Reduction Act (‘‘PRA’’) clearance for the FTC’s enforcement of the information collection requirements in its Affiliate Marketing Rule (or ‘‘Rule’’), which applies to certain motor vehicle dealers, and its shared enforcement with the Consumer Financial Protection Bureau (‘‘CFPB’’) of the provisions (subpart C) of the CFPB’s Regulation V regarding other entities (‘‘CFPB Rule’’). The current clearance expires on December 31, 2013. DATES: Comments must be filed by October 28, 2013. ADDRESSES: Interested parties are invited to submit written comments electronically or in paper form by following the instructions in the Request for Comment part of the SUPPLEMENTARY INFORMATION section below. Comments in electronic form should be submitted by using the following weblink: https:// public.commentworks.com/ftc/ affiliatemarketingpra (and following the instructions on the web-based form). Comments filed in paper form should be mailed or delivered to the following address: Federal Trade Commission, Office of the Secretary, Room H–113 SUMMARY: PO 00000 Frm 00023 Fmt 4703 Sfmt 4703 (Annex J), 600 Pennsylvania Avenue NW., Washington, DC 20580, in the manner detailed in the SUPPLEMENTARY INFORMATION section below. 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– 8100, Washington, DC 20580, (202) 326– 3135. SUPPLEMENTARY INFORMATION: On July 21, 2010, President Obama signed into law the Dodd-Frank Wall Street Reform and Consumer Protection Act (‘‘DoddFrank Act’’).1 The Dodd-Frank Act substantially changed the federal legal framework for financial services providers. Among the changes, the Dodd-Frank Act transferred to the CFPB most of the FTC’s rulemaking authority for the Affiliate Marketing provisions of the Fair Credit Reporting Act (‘‘FCRA’’),2 on July 21, 2011.3 For certain other portions of the FCRA, the FTC retains its full rulemaking authority.4 The FTC retains rulemaking authority for its Affiliate Marketing Rule, 16 CFR 680, solely for motor vehicle dealers described in section 1029(a) of the Dodd-Frank Act that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both.5 On December 21, 2011, the CFPB issued its interim final FCRA rule, including the affiliate marketing provisions (subpart C) of CFPB’s Regulation V.6 Contemporaneous with that issuance, the CFPB and FTC 1 Public Law 111–203, 124 Stat. 1376 (2010). U.S.C. 1681 et seq. 3 Dodd-Frank Act, at section 1061. This date was the ‘‘designated transfer date’’ established by the Treasury Department under the Dodd-Frank Act. See Dep’t of the Treasury, Bureau of Consumer Financial Protection; Designated Transfer Date, 75 FR 57252, 57253 (Sept. 20, 2010); see also DoddFrank Act, at section 1062. 4 The Dodd-Frank Act does not transfer to the CFPB rulemaking authority for FCRA sections 615(e) (‘‘Red Flag Guidelines and Regulations Required’’) and 628 (‘‘Disposal of Records’’). See 15 U.S.C. 1681s(e); Public Law 111–203, section 1088(a)(10)(E). Accordingly, the Commission retains full rulemaking authority for its ‘‘Identity Theft Rules,’’ 16 CFR part 681, and its rules governing ‘‘Disposal of Consumer Report Information and Records,’’ 16 CFR part 682. See 15 U.S.C. 1681m, 1681w. 5 See Dodd-Frank Act, at section 1029 (a), (c). 6 76 FR 79308. Subpart C of the interim final rule became effective on December 30, 2011. Subpart C is codified at 12 CFR 1022.20 et seq. Except for certain motor vehicle dealers (see supra note 5 and accompanying text), the disclosure and opt-out provisions described in the ‘‘Background’’ discussion below also pertain to Subpart C of Regulation V and the FTC’s associated coenforcement jurisdiction. 2 15 E:\FR\FM\27AUN1.SGM 27AUN1 Federal Register / Vol. 78, No. 166 / Tuesday, August 27, 2013 / Notices tkelley on DSK3SPTVN1PROD with NOTICES submitted to OMB, and received its approval for, that agency’s respective burden estimates reflecting its overlapping enforcement jurisdiction with the FTC. The discussion in the Burden Statement below, following preliminary background information, continues that analytical framework of shared enforcement authority, as supplemented by the FTC’s jurisdiction over auto motive dealers, as noted above. Background As mandated by section 214 of the Fair and Accurate Credit Transactions Act (‘‘FACT Act’’), Public Law 108–159 (Dec. 6, 2003), the Affiliate Marketing Rule, 16 CFR part 680, specifies disclosure requirements for certain affiliated companies. Except as discussed below, these requirements constitute ‘‘collection[s] of information’’ for purposes of the PRA. Specifically, the FACT Act and the FTC Rule require covered entities to provide consumers with notice and an opportunity to opt out of the use of certain information before sending marketing solicitations. The FTC Rule generally provides that, if a company communicates certain information about a consumer (eligibility information) to an affiliate, the affiliate may not use it to make or send solicitations to him or her unless the consumer is given notice and a reasonable opportunity to opt out of such use of the information and s/he does not opt out. To minimize compliance costs and burdens for entities, particularly any small businesses that may be affected, the FTC Rule contains model disclosures and opt-out notices that may be used to satisfy the statutory requirements. The FTC Rule also gives covered entities flexibility to satisfy the notice and opt-out requirement by sending the consumer a free-standing opt-out notice or by adding the opt-out notice to the privacy notices already provided to consumers, such as those provided in accordance with the provisions of Title V, subtitle A of the Gramm Leach Bliley Act (‘‘GLBA’’).7 In either event, the time necessary to prepare or incorporate an opt-out notice would be minimal because those entities could either use the model disclosure verbatim or base their own disclosures upon it. Moreover, verbatim adoption of the model notice does not constitute a PRA ‘‘collection of information.’’ 8 7 15 U.S.C. 6801 et seq. public disclosure of information originally supplied by the Federal government to the recipient for purpose of disclosure to the public is not 8 ‘‘The VerDate Mar<15>2010 15:54 Aug 26, 2013 Jkt 229001 Burden Statement Under the PRA, 44 U.S.C. 3501–3521, federal agencies must get OMB approval for each collection of information they conduct or sponsor. ‘‘Collection of information’’ includes agency requests or requirements to submit reports, keep records, or provide information to a third party. 44 U.S.C. 3502(3); 5 CFR 1320.3(c). The FTC is seeking clearance for its assumed share of the estimated PRA burden regarding the disclosure requirements under the FTC and CFPB Rules. Except where otherwise specifically noted, staff’s estimates of burden are based on its knowledge of the consumer credit industries and knowledge of the entities over which the Commission has jurisdiction. This said, estimating PRA burden of the Rule’s disclosure requirements is difficult given the highly diverse group of affected entities that may use certain eligibility information shared by their affiliates to send marketing notices to consumers. The estimates provided in this burden statement may well overstate actual burden. As noted above, verbatim adoption of the disclosure of information provided by the federal government is not a ‘‘collection of information’’ to which to assign PRA burden estimates, and an unknown number of covered entities will opt to use the model disclosure language. Second, an uncertain, but possibly significant, number of entities subject to FTC jurisdiction do not have affiliates and thus would not be covered by section 214 of the FACT Act or the Rule. Third, Commission staff does not know how many companies subject to FTC jurisdiction under the Rule actually share eligibility information among affiliates and, of those, how many affiliates use such information to make marketing solicitations to consumers. Fourth, still other entities may choose to rely on the exceptions to the Rule’s notice and opt-out requirements.9 Finally, the population estimates below to apply further calculations are based on industry data that, while providing tallies of business entities within industries and industry segments, does not identify those entities individually. Thus, there is no clear path to ascertain how many individual businesses have newly entered and departed within a given industry classification, from one included within [the definition of collection of information].’’ 5 CFR 1320.3(c)(2). 9 Exceptions include, for example, having a preexisting business relationship with a consumer, using information in response to a communication initiated by the consumer, and solicitations authorized or requested by the consumer. PO 00000 Frm 00024 Fmt 4703 Sfmt 4703 52919 year to the next or from one triennial PRA clearance cycle to the next. Accordingly, there is no ready way to quantify how many establishments accounted for in the data reflect those previously accounted for in the FTC’s prior PRA analysis, i.e., entities that would already have experienced a declining learning curve applying the Rule with the passage of time. For simplicity, the FTC analysis will continue to treat covered entities as newly undergoing the previously assumed learning curve cycle, although this would effectively overstate estimated burden for unidentified covered entities that have remained in existence since OMB’s most recent clearances for the FTC Rule.10 As in the past, FTC staff’s estimates assume a higher burden will be incurred during the first year of a prospective OMB three-year clearance, with a lesser burden for each of the subsequent two years because the opt-out notice to consumers is required to be given only once. Institutions may provide for an indefinite period for the opt-out or they may time limit it, but for no less than five years. Staff’s labor cost estimates take into account: Managerial and professional time for reviewing internal policies and determining compliance obligations; technical time for creating the notice and opt-out, in either paper or electronic form; and clerical time for disseminating the notice and opt-out.11 In addition, staff’s cost estimates presume that the availability of model disclosures and opt-out notices will simplify the compliance review and implementation processes, thereby significantly reducing the cost of compliance. Moreover, the Rule gives entities considerable flexibility to determine the scope and duration of the opt-out. Indeed, this flexibility permits entities to send a single joint notice on behalf of all of its affiliates. A. Non-GLBA Entities Based, in part, on industry data regarding the number of businesses under various industry codes, staff estimates that 1,174,347 non-GLBA entities under FTC jurisdiction have affiliates and would be affected by the 10 On December 21, 2010, OMB granted three-year clearance for the Rule through December 31, 2013 under Control No. 3084–0131. On February 3, 2012, OMB additionally approved under that control number FTC adjustments submitted on December 9, 2011 to reflect the effects of the Dodd-Frank Act, but the latter approval retained the previously accorded clearance expiration of December 31, 2013. 11 No clerical time was included in staff’s burden analysis for GLBA entities as the notice would likely be combined with existing GLBA notices. E:\FR\FM\27AUN1.SGM 27AUN1 52920 Federal Register / Vol. 78, No. 166 / Tuesday, August 27, 2013 / Notices tkelley on DSK3SPTVN1PROD with NOTICES Rule.12 Staff further estimates that there are an average of 5 businesses per family or affiliated relationship, and that the affiliated entities will choose to send a joint notice, as permitted by the Rule. Thus, an estimated 234,869 non-GLBA business families may send the affiliate marketing notice. Staff also estimates that non-GLBA entities under the jurisdiction of the FTC would each incur 14 hours of burden during the prospective requested three-year PRA clearance period, comprised of a projected 7 hours of managerial time, 2 hours of technical time, and 5 hours of clerical assistance. Based on the above, total burden for non-GLBA entities during the prospective three-year clearance period would be approximately 3,288,166 hours, cumulatively. Associated labor cost would total $123,353,199.13 These estimates include the start-up burden and attendant costs, such as determining compliance obligations. Non-GLBA entities, however, will give notice only once during the clearance period ahead. Thus, averaged over that three-year period, the estimated annual burden for non-GLBA entities is 12 This estimate is derived from an analysis of a database of U.S. businesses based on June 2013 SIC codes for businesses that market goods or services to consumers, which included the following industries: transportation services; communication; electric, gas, and sanitary services; retail trade; finance, insurance, and real estate; and services (excluding business services and engineering, management services). See https://www.naics.com/ search.htm. This estimate excludes businesses not subject to FTC jurisdiction and businesses that do not use data or information subject to the rule. To the resulting sub-total (7,111,026), staff applies a continuing assumed rate of affiliation of 16.75 percent, see 75 FR 43526, 43528 n. 6 (July 26, 2010), reduced by a continuing estimate of 100,000 entities subject to the Commission’s GLBA privacy notice regulations, see id., applied to the same assumed rate of affiliation. The net total is 1,174,347. 13 The associated labor cost is based on the labor cost burden per notice by adding the hourly mean private sector wages for managerial, technical, and clerical work and multiplying that sum by the estimated number of hours. The classifications used are ‘‘Management Occupations’’ for managerial employees, ‘‘Computer and Mathematical Science Occupations’’ for technical staff, and ‘‘Office and Administrative Support’’ for clerical workers. See OCCUPATIONAL EMPLOYMENT AND WAGES —MAY 2012, U.S. Department of Labor released March 29, 2013, Table 1 (‘‘National employment and wage data from the Occupational Employment Statistics survey by occupation, May 2012’’): https:// www.bls.gov/news.release/pdf/ocwage.pdf. The respective private sector hourly wages for these classifications are $52.20, $38.55, and $16.54. Estimated hours spent for each labor category are 7, 2, and 5, respectively. Multiplying each occupation’s hourly wage by the associated time estimate, labor cost burden per notice equals $525.20. This subtotal is then multiplied by the estimated number of non-GLB business families projected to send the affiliate marketing notice (234,869) to determine cumulative labor cost burden for non-GLBA entities ($123,353,199). VerDate Mar<15>2010 15:54 Aug 26, 2013 Jkt 229001 1,096,055 hours and $41,117,733 in labor costs. B. GLBA Entities Entities that are subject to the Commission’s GLBA privacy notice regulation already provide privacy notices to their customers.14 Because the FACT Act and the Rule contemplate that the affiliate marketing notice can be included in the GLBA notices, the burden on GLBA regulated entities would be greatly reduced. Accordingly, the GLBA entities would incur 6 hours of burden during the first year of the clearance period, comprised of a projected 5 hours of managerial time and 1 hour of technical time to execute the notice, given that the Rule provides a model.15 Staff further estimates that 3,350 GLBA entities under FTC jurisdiction would be affected,16 so that the total burden for GLBA entities during the first year of the clearance period would approximate 20,100 hours (3,350 × 6) and $1,003,493 in associated labor costs.17 Allowing for increased familiarity with procedure, the PRA burden in ensuing years would decline, with GLBA entities each incurring an estimated 4 hours of annual burden (3 hours of managerial time and 1 hour of technical time) during the remaining two years of the clearance, amounting to 13,400 hours (3,350 × 4) and $653,753 in labor costs in each of the ensuing two years.18 Thus, averaged over the threeyear clearance period, the estimated annual burden for GLBA entities is 15,633 hours and $770,333 in labor costs. The cumulative average annual burden for both non-GLBA and GLBA for the prospective three-year clearance period is 1,111,688 burden hours and $41,888,066 in labor costs. GLBA entities are already providing notices to their customers so there are no new capital or non-labor costs, as this notice may be consolidated into their current notices. For non-GLBA entities, the Rule 14 Financial institutions must provide a privacy notice at the time the customer relationship is established and then annually so long as the relationship continues. Staff’s estimates assume that the affiliate marketing opt-out will be incorporated in the institution’s initial and annual notices. 15 As stated above, no clerical time is included in the estimate because the notice likely would be combined with existing GLBA notices. 16 Based on the previously stated estimates of 100,000 GLBA business entities at an assumed rate of affiliation of 16.75 percent (16,750), divided by the presumed ratio of 5 businesses per family, this yields a total of 3,350 GLBA business families subject to the Rule. 17 3,350 GLBA families × [$52.20 × 5 hours) + ($38.55 × 1 hour)] = $1,003,493. 18 3,350 GLBA families × [($52.20 × 3 hours) + ($38.55 x 1 hours)] = $653,753. PO 00000 Frm 00025 Fmt 4703 Sfmt 4703 provides for simple and concise model forms that institutions may use to comply. Thus, any capital or non-labor costs associated with compliance for these entities are negligible. C. FTC Share of Burden 560,179 hours; $20,771,941, labor costs. To calculate the total burden attributed to the FTC, staff first deducted from the total annual burden hours those hours attributed to motor vehicle dealers, which are in the exclusive jurisdiction of the FTC. Staff estimates that there are 60,959 motor vehicle dealerships subject to the Rule.19 Of these, staff estimates that 10% are non-GLBA entities (6,096), and 90% are GLBA entities (54,863). Applying an assumed rate of affiliation of 16.75%, staff estimates that there are 102 non-GLBA and 9,190 GLBA motor vehicle dealerships affiliate families. Staff further assumes there are an average of 5 businesses per family or affiliated relationship, leaving approximately 20 non-GLBA and 1,838 GLBA families, respectively. Staff further estimates that non-GLBA business families will spend 14 hours in the first year and 0 hours thereafter to comply with the Rule, while GLBA business families will spend 6 hours in the first year, and 4 hours in each of the following two years. The cumulative average annual burden is 8,670 hours.20 To calculate the FTC’s total shared burden hours, staff deducted from the total burden hours (1,111,688 hours) those attributed to motor vehicle dealerships (8,670), leaving a total of 1,103,108 hours to split between the CFPB and the FTC. The resulting shared burden for the CFPB is half that amount, or 551,509 hours. To calculate the total burden hours for the FTC, staff added the burden hours associated with motor vehicle dealers (8,670 hours), resulting in a total burden of 560,179 hours. Staff used the same approach to estimate the shared costs for the FTC. Staff estimated the costs attributed to motor vehicle dealers as follows: NonGLBA business families have $3,501 19 This figure consists, in part, of 55,417 car dealers per NADA (franchise/new cars) (https:// www.nada.org/Publications/NADADATA/2011/ default) and NIADA data (independents/used cars) (https://www.usedcarnews.com/news/2963-niadasurvey-shows-more-action-online), respectively, for 2011, multiplied by an added factor of 1.10 to cover for an unknown quantity of additional motor vehicle dealer types (motorcycles, boats, other recreational vehicles) also covered within the definition of motor vehicle dealer under section 1029(a) of the Dodd-Frank Act. This leaves a total of 60,959 motor vehicle dealers subject to the Rule. 20 20 non-GLBA families × 4.666667 hours = 93 hours; 1,838 GLBA families × 4.666667 hours = 8,577 hours. E:\FR\FM\27AUN1.SGM 27AUN1 Federal Register / Vol. 78, No. 166 / Tuesday, August 27, 2013 / Notices annualized labor costs,21 and GLBA business families have $422,648 annualized labor costs,22 for cumulative annualized costs of $426,149. To calculate, on an annualized basis, the FTC’s cumulative share of labor cost burden, staff deducted from the overall total ($41,117,733) the labor costs attributed to motor vehicle dealerships ($426,149), leaving a net amount of $40,691,584 to split between the CFPB and the FTC. The resulting shared burden for the CFPB is half that amount, or $20,345,792. To calculate the total burden hours for the FTC, staff added the costs associated with motor vehicle dealers ($426,149), resulting in a total cost burden for the FTC of $20,771,941. Request for Comment Interested parties are invited to submit written comments. Comments should refer to ‘‘Affiliate Marketing Rule PRA’’ 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 https://www.ftc.gov/os/ publiccomments.shtm. Because comments will be made public, they should not include any sensitive personal information, such as any 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 ‘‘[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 Federal Trade Commission Act (‘‘FTC Act’’), 15 U.S.C. 46(f), and FTC Rule 4.10(a)(2), 16 CFR 4.10(a)(2). Comments containing matter for which confidential treatment is requested must be filed in paper form, must be clearly labeled ‘‘Confidential,’’ and must comply with FTC Rule 4.9(c).23 non-GLBA families × $525.20) ÷ 3 = $3,501. the first year, GLBA families have $550,573 costs: 1,838 × [($52.20 × 5 hours) + ($38.55 × 1 hour)] = $550,573. In each of the second and third years, GLBA families have $358,686 in costs: 1,838 × [($52.20 × 3 hours) + ($38.55 × 1 hour)] = $358,686. 23 The comment must 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 21 (20 tkelley on DSK3SPTVN1PROD with NOTICES 22 In VerDate Mar<15>2010 15:54 Aug 26, 2013 Jkt 229001 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 using the following weblink https:// public.commentworks.com/ftc/ affiliatemarketingpra (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://public.commentworks.com/ftc/ affiliatemarketingpra. If this Notice appears at 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. 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 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 https:// www.ftc.gov/os/publiccomments.shtm. As a matter of discretion, the FTC 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 https://www.ftc.gov/ftc/ privacy.shtm. Pursuant to Section 3506(c)(2)(A) of the PRA, the FTC invites comments on: (1) Whether the disclosure requirements are necessary, including whether the information will be practically useful; (2) the accuracy of our burden estimates, including whether the methodology and assumptions used are valid; (3) how to improve the quality, utility, and clarity of the disclosure requirements; and (4) how to minimize the burden of providing the required information to consumers. All comments should be filed as prescribed in the ADDRESSES section above, and must be received on or before October 28, 2013. David C. Shonka, Principal Deputy General Counsel. [FR Doc. 2013–20794 Filed 8–26–13; 8:45 am] BILLING CODE 6750–01–P Commission’s General Counsel, consistent with applicable law and the public interest. See FTC Rule 4.9(c), 16 CFR 4.9(c). PO 00000 Frm 00026 Fmt 4703 Sfmt 4703 52921 DEPARTMENT OF HEALTH AND HUMAN SERVICES Office of the National Coordinator for Health Information Technology; Announcement of Requirements and Registration for ‘‘Behavioral Health Patient Empowerment Challenge’’ Office of the National Coordinator for Health Information Technology, HHS. Award Approving Official: Farzad Mostashari, National Coordinator for Health Information Technology. ACTION: Notice. AGENCY: Behavioral health disorders are common in the United States. Approximately 20% of adults and 13% of adolescents suffer from mental disorders each year and 8.7% of Americans aged 12 and older experience substance dependence or abuse each year.1 2 Rates of mental health problems are significantly higher for patients with chronic conditions such as diabetes, asthma, and heart conditions 3 and failure to treat both physical and mental health conditions results in poorer health outcomes and higher health care costs.3 Yet despite the high personal and societal burden of these disorders fewer than half of adults and only onethird of children with mental disorders and only 11 percent of individuals with substance use disorders receive treatment.1 2 For many individuals this results from limited access to care, for others it is a result of reservations about accessing specialty care. Health IT has significant potential to enable self management of behavioral health disorders (including both mental health and substance use disorders) as well as to act as a treatment extender for patients with limited access to care. On September 16th Office of the National Coordinator for Health Information Technology (ONC), in partnership with the Substance Abuse and Mental Health Services Administration (SAMHSA), Office of National Drug Control Policy (ONDCP), and National Institutes of Health (NIH) is organizing a Technology Innovations for Substance Abuse and Mental Health Disorders Conference taking place at the White House. This conference will highlight how technology can be used to improve treatment for behavioral health disorders. In conjunction with this SUMMARY: 1 2010–2011 National Survey on Drug Use and Health, https://www.samhsa.gov/data/nsduh/ 2k10nsduh/2k10results.htm. 2 Results from the 2010 NSDUH: Mental Health Findings: https://www.samhsa.gov/data/nsduh/ 2k10MH_Findings/2k10MHResults.htm. 3 https://www.cdc.gov/Features/ MentalHealthSurveillance/. E:\FR\FM\27AUN1.SGM 27AUN1

Agencies

FEDERAL TRADE COMMISSION

[Federal Register Volume 78, Number 166 (Tuesday, August 27, 2013)]
[Notices]
[Pages 52918-52921]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2013-20794]

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FEDERAL TRADE COMMISSION

Agency Information Collection Activities; Proposed Collection;
Comment Request

AGENCY: Federal Trade Commission (``FTC'' or ``Commission'').

ACTION: Notice.

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SUMMARY: The FTC intends to ask the Office of Management and Budget
(``OMB'') to extend through December 31, 2016, the current Paperwork
Reduction Act (``PRA'') clearance for the FTC's enforcement of the
information collection requirements in its Affiliate Marketing Rule (or
``Rule''), which applies to certain motor vehicle dealers, and its
shared enforcement with the Consumer Financial Protection Bureau
(``CFPB'') of the provisions (subpart C) of the CFPB's Regulation V
regarding other entities (``CFPB Rule''). The current clearance expires
on December 31, 2013.

DATES: Comments must be filed by October 28, 2013.

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

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-8100, Washington, DC 20580,
(202) 326-3135.

SUPPLEMENTARY INFORMATION: On July 21, 2010, President Obama signed
into law the Dodd-Frank Wall Street Reform and Consumer Protection Act
(``Dodd-Frank Act'').\1\ The Dodd-Frank Act substantially changed the
federal legal framework for financial services providers. Among the
changes, the Dodd-Frank Act transferred to the CFPB most of the FTC's
rulemaking authority for the Affiliate Marketing provisions of the Fair
Credit Reporting Act (``FCRA''),\2\ on July 21, 2011.\3\ For certain
other portions of the FCRA, the FTC retains its full rulemaking
authority.\4\
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\1\ Public Law 111-203, 124 Stat. 1376 (2010).
\2\ 15 U.S.C. 1681 et seq.
\3\ Dodd-Frank Act, at section 1061. This date was the
``designated transfer date'' established by the Treasury Department
under the Dodd-Frank Act. See Dep't of the Treasury, Bureau of
Consumer Financial Protection; Designated Transfer Date, 75 FR
57252, 57253 (Sept. 20, 2010); see also Dodd-Frank Act, at section
1062.
\4\ The Dodd-Frank Act does not transfer to the CFPB rulemaking
authority for FCRA sections 615(e) (``Red Flag Guidelines and
Regulations Required'') and 628 (``Disposal of Records''). See 15
U.S.C. 1681s(e); Public Law 111-203, section 1088(a)(10)(E).
Accordingly, the Commission retains full rulemaking authority for
its ``Identity Theft Rules,'' 16 CFR part 681, and its rules
governing ``Disposal of Consumer Report Information and Records,''
16 CFR part 682. See 15 U.S.C. 1681m, 1681w.
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The FTC retains rulemaking authority for its Affiliate Marketing
Rule, 16 CFR 680, solely for motor vehicle dealers described in section
1029(a) of the Dodd-Frank Act that are predominantly engaged in the
sale and servicing of motor vehicles, the leasing and servicing of
motor vehicles, or both.\5\
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\5\ See Dodd-Frank Act, at section 1029 (a), (c).
---------------------------------------------------------------------------

On December 21, 2011, the CFPB issued its interim final FCRA rule,
including the affiliate marketing provisions (subpart C) of CFPB's
Regulation V.\6\ Contemporaneous with that issuance, the CFPB and FTC

[[Page 52919]]

submitted to OMB, and received its approval for, that agency's
respective burden estimates reflecting its overlapping enforcement
jurisdiction with the FTC. The discussion in the Burden Statement
below, following preliminary background information, continues that
analytical framework of shared enforcement authority, as supplemented
by the FTC's jurisdiction over auto motive dealers, as noted above.
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\6\ 76 FR 79308. Subpart C of the interim final rule became
effective on December 30, 2011. Subpart C is codified at 12 CFR
1022.20 et seq. Except for certain motor vehicle dealers (see supra
note 5 and accompanying text), the disclosure and opt-out provisions
described in the ``Background'' discussion below also pertain to
Subpart C of Regulation V and the FTC's associated co-enforcement
jurisdiction.
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Background

As mandated by section 214 of the Fair and Accurate Credit
Transactions Act (``FACT Act''), Public Law 108-159 (Dec. 6, 2003), the
Affiliate Marketing Rule, 16 CFR part 680, specifies disclosure
requirements for certain affiliated companies. Except as discussed
below, these requirements constitute ``collection[s] of information''
for purposes of the PRA. Specifically, the FACT Act and the FTC Rule
require covered entities to provide consumers with notice and an
opportunity to opt out of the use of certain information before sending
marketing solicitations. The FTC Rule generally provides that, if a
company communicates certain information about a consumer (eligibility
information) to an affiliate, the affiliate may not use it to make or
send solicitations to him or her unless the consumer is given notice
and a reasonable opportunity to opt out of such use of the information
and s/he does not opt out.
To minimize compliance costs and burdens for entities, particularly
any small businesses that may be affected, the FTC Rule contains model
disclosures and opt-out notices that may be used to satisfy the
statutory requirements. The FTC Rule also gives covered entities
flexibility to satisfy the notice and opt-out requirement by sending
the consumer a free-standing opt-out notice or by adding the opt-out
notice to the privacy notices already provided to consumers, such as
those provided in accordance with the provisions of Title V, subtitle A
of the Gramm Leach Bliley Act (``GLBA'').\7\ In either event, the time
necessary to prepare or incorporate an opt-out notice would be minimal
because those entities could either use the model disclosure verbatim
or base their own disclosures upon it. Moreover, verbatim adoption of
the model notice does not constitute a PRA ``collection of
information.'' \8\
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\7\ 15 U.S.C. 6801 et seq.
\8\ ``The public disclosure of information originally supplied
by the Federal government to the recipient for purpose of disclosure
to the public is not included within [the definition of collection
of information].'' 5 CFR 1320.3(c)(2).
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Burden Statement

Under the PRA, 44 U.S.C. 3501-3521, federal agencies must get OMB
approval for each collection of information they conduct or sponsor.
``Collection of information'' includes agency requests or requirements
to submit reports, keep records, or provide information to a third
party. 44 U.S.C. 3502(3); 5 CFR 1320.3(c). The FTC is seeking clearance
for its assumed share of the estimated PRA burden regarding the
disclosure requirements under the FTC and CFPB Rules.
Except where otherwise specifically noted, staff's estimates of
burden are based on its knowledge of the consumer credit industries and
knowledge of the entities over which the Commission has jurisdiction.
This said, estimating PRA burden of the Rule's disclosure requirements
is difficult given the highly diverse group of affected entities that
may use certain eligibility information shared by their affiliates to
send marketing notices to consumers.
The estimates provided in this burden statement may well overstate
actual burden. As noted above, verbatim adoption of the disclosure of
information provided by the federal government is not a ``collection of
information'' to which to assign PRA burden estimates, and an unknown
number of covered entities will opt to use the model disclosure
language. Second, an uncertain, but possibly significant, number of
entities subject to FTC jurisdiction do not have affiliates and thus
would not be covered by section 214 of the FACT Act or the Rule. Third,
Commission staff does not know how many companies subject to FTC
jurisdiction under the Rule actually share eligibility information
among affiliates and, of those, how many affiliates use such
information to make marketing solicitations to consumers. Fourth, still
other entities may choose to rely on the exceptions to the Rule's
notice and opt-out requirements.\9\ Finally, the population estimates
below to apply further calculations are based on industry data that,
while providing tallies of business entities within industries and
industry segments, does not identify those entities individually. Thus,
there is no clear path to ascertain how many individual businesses have
newly entered and departed within a given industry classification, from
one year to the next or from one triennial PRA clearance cycle to the
next. Accordingly, there is no ready way to quantify how many
establishments accounted for in the data reflect those previously
accounted for in the FTC's prior PRA analysis, i.e., entities that
would already have experienced a declining learning curve applying the
Rule with the passage of time. For simplicity, the FTC analysis will
continue to treat covered entities as newly undergoing the previously
assumed learning curve cycle, although this would effectively overstate
estimated burden for unidentified covered entities that have remained
in existence since OMB's most recent clearances for the FTC Rule.\10\
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\9\ Exceptions include, for example, having a preexisting
business relationship with a consumer, using information in response
to a communication initiated by the consumer, and solicitations
authorized or requested by the consumer.
\10\ On December 21, 2010, OMB granted three-year clearance for
the Rule through December 31, 2013 under Control No. 3084-0131. On
February 3, 2012, OMB additionally approved under that control
number FTC adjustments submitted on December 9, 2011 to reflect the
effects of the Dodd-Frank Act, but the latter approval retained the
previously accorded clearance expiration of December 31, 2013.
---------------------------------------------------------------------------

As in the past, FTC staff's estimates assume a higher burden will
be incurred during the first year of a prospective OMB three-year
clearance, with a lesser burden for each of the subsequent two years
because the opt-out notice to consumers is required to be given only
once. Institutions may provide for an indefinite period for the opt-out
or they may time limit it, but for no less than five years.
Staff's labor cost estimates take into account: Managerial and
professional time for reviewing internal policies and determining
compliance obligations; technical time for creating the notice and opt-
out, in either paper or electronic form; and clerical time for
disseminating the notice and opt-out.\11\ In addition, staff's cost
estimates presume that the availability of model disclosures and opt-
out notices will simplify the compliance review and implementation
processes, thereby significantly reducing the cost of compliance.
Moreover, the Rule gives entities considerable flexibility to determine
the scope and duration of the opt-out. Indeed, this flexibility permits
entities to send a single joint notice on behalf of all of its
affiliates.
---------------------------------------------------------------------------

\11\ No clerical time was included in staff's burden analysis
for GLBA entities as the notice would likely be combined with
existing GLBA notices.
---------------------------------------------------------------------------

A. Non-GLBA Entities

Based, in part, on industry data regarding the number of businesses
under various industry codes, staff estimates that 1,174,347 non-GLBA
entities under FTC jurisdiction have affiliates and would be affected
by the

[[Page 52920]]

Rule.\12\ Staff further estimates that there are an average of 5
businesses per family or affiliated relationship, and that the
affiliated entities will choose to send a joint notice, as permitted by
the Rule. Thus, an estimated 234,869 non-GLBA business families may
send the affiliate marketing notice.
---------------------------------------------------------------------------

\12\ This estimate is derived from an analysis of a database of
U.S. businesses based on June 2013 SIC codes for businesses that
market goods or services to consumers, which included the following
industries: transportation services; communication; electric, gas,
and sanitary services; retail trade; finance, insurance, and real
estate; and services (excluding business services and engineering,
management services). See https://www.naics.com/search.htm. This
estimate excludes businesses not subject to FTC jurisdiction and
businesses that do not use data or information subject to the rule.
To the resulting sub-total (7,111,026), staff applies a continuing
assumed rate of affiliation of 16.75 percent, see 75 FR 43526, 43528
n. 6 (July 26, 2010), reduced by a continuing estimate of 100,000
entities subject to the Commission's GLBA privacy notice
regulations, see id., applied to the same assumed rate of
affiliation. The net total is 1,174,347.
---------------------------------------------------------------------------

Staff also estimates that non-GLBA entities under the jurisdiction
of the FTC would each incur 14 hours of burden during the prospective
requested three-year PRA clearance period, comprised of a projected 7
hours of managerial time, 2 hours of technical time, and 5 hours of
clerical assistance.
Based on the above, total burden for non-GLBA entities during the
prospective three-year clearance period would be approximately
3,288,166 hours, cumulatively. Associated labor cost would total
$123,353,199.\13\ These estimates include the start-up burden and
attendant costs, such as determining compliance obligations. Non-GLBA
entities, however, will give notice only once during the clearance
period ahead. Thus, averaged over that three-year period, the estimated
annual burden for non-GLBA entities is 1,096,055 hours and $41,117,733
in labor costs.
---------------------------------------------------------------------------

\13\ The associated labor cost is based on the labor cost burden
per notice by adding the hourly mean private sector wages for
managerial, technical, and clerical work and multiplying that sum by
the estimated number of hours. The classifications used are
``Management Occupations'' for managerial employees, ``Computer and
Mathematical Science Occupations'' for technical staff, and ``Office
and Administrative Support'' for clerical workers. See OCCUPATIONAL
EMPLOYMENT AND WAGES --MAY 2012, U.S. Department of Labor released
March 29, 2013, Table 1 (``National employment and wage data from
the Occupational Employment Statistics survey by occupation, May
2012''): https://www.bls.gov/news.release/pdf/ocwage.pdf. The
respective private sector hourly wages for these classifications are
$52.20, $38.55, and $16.54. Estimated hours spent for each labor
category are 7, 2, and 5, respectively. Multiplying each
occupation's hourly wage by the associated time estimate, labor cost
burden per notice equals $525.20. This subtotal is then multiplied
by the estimated number of non-GLB business families projected to
send the affiliate marketing notice (234,869) to determine
cumulative labor cost burden for non-GLBA entities ($123,353,199).
---------------------------------------------------------------------------

B. GLBA Entities

Entities that are subject to the Commission's GLBA privacy notice
regulation already provide privacy notices to their customers.\14\
Because the FACT Act and the Rule contemplate that the affiliate
marketing notice can be included in the GLBA notices, the burden on
GLBA regulated entities would be greatly reduced. Accordingly, the GLBA
entities would incur 6 hours of burden during the first year of the
clearance period, comprised of a projected 5 hours of managerial time
and 1 hour of technical time to execute the notice, given that the Rule
provides a model.\15\ Staff further estimates that 3,350 GLBA entities
under FTC jurisdiction would be affected,\16\ so that the total burden
for GLBA entities during the first year of the clearance period would
approximate 20,100 hours (3,350 x 6) and $1,003,493 in associated labor
costs.\17\
---------------------------------------------------------------------------

\14\ Financial institutions must provide a privacy notice at the
time the customer relationship is established and then annually so
long as the relationship continues. Staff's estimates assume that
the affiliate marketing opt-out will be incorporated in the
institution's initial and annual notices.
\15\ As stated above, no clerical time is included in the
estimate because the notice likely would be combined with existing
GLBA notices.
\16\ Based on the previously stated estimates of 100,000 GLBA
business entities at an assumed rate of affiliation of 16.75 percent
(16,750), divided by the presumed ratio of 5 businesses per family,
this yields a total of 3,350 GLBA business families subject to the
Rule.
\17\ 3,350 GLBA families x [$52.20 x 5 hours) + ($38.55 x 1
hour)] = $1,003,493.
---------------------------------------------------------------------------

Allowing for increased familiarity with procedure, the PRA burden
in ensuing years would decline, with GLBA entities each incurring an
estimated 4 hours of annual burden (3 hours of managerial time and 1
hour of technical time) during the remaining two years of the
clearance, amounting to 13,400 hours (3,350 x 4) and $653,753 in labor
costs in each of the ensuing two years.\18\ Thus, averaged over the
three-year clearance period, the estimated annual burden for GLBA
entities is 15,633 hours and $770,333 in labor costs.
---------------------------------------------------------------------------

\18\ 3,350 GLBA families x [($52.20 x 3 hours) + ($38.55 x 1
hours)] = $653,753.
---------------------------------------------------------------------------

The cumulative average annual burden for both non-GLBA and GLBA for
the prospective three-year clearance period is 1,111,688 burden hours
and $41,888,066 in labor costs. GLBA entities are already providing
notices to their customers so there are no new capital or non-labor
costs, as this notice may be consolidated into their current notices.
For non-GLBA entities, the Rule provides for simple and concise model
forms that institutions may use to comply. Thus, any capital or non-
labor costs associated with compliance for these entities are
negligible.

C. FTC Share of Burden

560,179 hours; $20,771,941, labor costs.
To calculate the total burden attributed to the FTC, staff first
deducted from the total annual burden hours those hours attributed to
motor vehicle dealers, which are in the exclusive jurisdiction of the
FTC. Staff estimates that there are 60,959 motor vehicle dealerships
subject to the Rule.\19\ Of these, staff estimates that 10% are non-
GLBA entities (6,096), and 90% are GLBA entities (54,863). Applying an
assumed rate of affiliation of 16.75%, staff estimates that there are
102 non-GLBA and 9,190 GLBA motor vehicle dealerships affiliate
families. Staff further assumes there are an average of 5 businesses
per family or affiliated relationship, leaving approximately 20 non-
GLBA and 1,838 GLBA families, respectively.
---------------------------------------------------------------------------

\19\ This figure consists, in part, of 55,417 car dealers per
NADA (franchise/new cars) (https://www.nada.org/Publications/NADADATA/2011/default) and NIADA data (independents/used cars)
(https://www.usedcarnews.com/news/2963-niada-survey-shows-more-action-online), respectively, for 2011, multiplied by an added
factor of 1.10 to cover for an unknown quantity of additional motor
vehicle dealer types (motorcycles, boats, other recreational
vehicles) also covered within the definition of motor vehicle dealer
under section 1029(a) of the Dodd-Frank Act. This leaves a total of
60,959 motor vehicle dealers subject to the Rule.
---------------------------------------------------------------------------

Staff further estimates that non-GLBA business families will spend
14 hours in the first year and 0 hours thereafter to comply with the
Rule, while GLBA business families will spend 6 hours in the first
year, and 4 hours in each of the following two years. The cumulative
average annual burden is 8,670 hours.\20\
---------------------------------------------------------------------------

\20\ 20 non-GLBA families x 4.666667 hours = 93 hours; 1,838
GLBA families x 4.666667 hours = 8,577 hours.
---------------------------------------------------------------------------

To calculate the FTC's total shared burden hours, staff deducted
from the total burden hours (1,111,688 hours) those attributed to motor
vehicle dealerships (8,670), leaving a total of 1,103,108 hours to
split between the CFPB and the FTC. The resulting shared burden for the
CFPB is half that amount, or 551,509 hours. To calculate the total
burden hours for the FTC, staff added the burden hours associated with
motor vehicle dealers (8,670 hours), resulting in a total burden of
560,179 hours.
Staff used the same approach to estimate the shared costs for the
FTC. Staff estimated the costs attributed to motor vehicle dealers as
follows: Non-GLBA business families have $3,501

[[Page 52921]]

annualized labor costs,\21\ and GLBA business families have $422,648
annualized labor costs,\22\ for cumulative annualized costs of
$426,149.
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\21\ (20 non-GLBA families x $525.20) / 3 = $3,501.
\22\ In the first year, GLBA families have $550,573 costs: 1,838
x [($52.20 x 5 hours) + ($38.55 x 1 hour)] = $550,573. In each of
the second and third years, GLBA families have $358,686 in costs:
1,838 x [($52.20 x 3 hours) + ($38.55 x 1 hour)] = $358,686.
---------------------------------------------------------------------------

To calculate, on an annualized basis, the FTC's cumulative share of
labor cost burden, staff deducted from the overall total ($41,117,733)
the labor costs attributed to motor vehicle dealerships ($426,149),
leaving a net amount of $40,691,584 to split between the CFPB and the
FTC. The resulting shared burden for the CFPB is half that amount, or
$20,345,792. To calculate the total burden hours for the FTC, staff
added the costs associated with motor vehicle dealers ($426,149),
resulting in a total cost burden for the FTC of $20,771,941.

Request for Comment

Interested parties are invited to submit written comments. Comments
should refer to ``Affiliate Marketing Rule PRA'' 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
https://www.ftc.gov/os/publiccomments.shtm.
Because comments will be made public, they should not include any
sensitive personal information, such as any 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 ``[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 Federal Trade Commission Act (``FTC Act''), 15 U.S.C. 46(f), and
FTC Rule 4.10(a)(2), 16 CFR 4.10(a)(2). Comments containing matter for
which confidential treatment is requested must be filed in paper form,
must be clearly labeled ``Confidential,'' and must comply with FTC Rule
4.9(c).\23\
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\23\ The comment must 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 FTC 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 using the following weblink https://public.commentworks.com/ftc/affiliatemarketingpra (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://public.commentworks.com/ftc/affiliatemarketingpra. If this Notice
appears at 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.
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 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 https://www.ftc.gov/os/publiccomments.shtm. As a matter of discretion, the FTC 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 https://www.ftc.gov/ftc/privacy.shtm.
Pursuant to Section 3506(c)(2)(A) of the PRA, the FTC invites
comments on: (1) Whether the disclosure requirements are necessary,
including whether the information will be practically useful; (2) the
accuracy of our burden estimates, including whether the methodology and
assumptions used are valid; (3) how to improve the quality, utility,
and clarity of the disclosure requirements; and (4) how to minimize the
burden of providing the required information to consumers. All comments
should be filed as prescribed in the ADDRESSES section above, and must
be received on or before October 28, 2013.

David C. Shonka,
Principal Deputy General Counsel.
[FR Doc. 2013-20794 Filed 8-26-13; 8:45 am]
BILLING CODE 6750-01-P

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