Disclosure of Consumer Complaint Narrative Data, 45183-45184 [2014-18355]

Download as PDF Federal Register / Vol. 79, No. 149 / Monday, August 4, 2014 / Notices 13705, Silver Spring, MD 20910; phone (301) 427–8401; fax (301) 713–0376. FOR FURTHER INFORMATION CONTACT: Malcolm Mohead, (301) 427–8401. Permit No. 16436 was issued April 6, 2012 (77 FR 21754) to the Permit Holder to capture Atlantic sturgeon life stages in the Hudson River estuary to assess juvenile abundance, characterize the adult spawning stock, and generate population estimates. Atlantic sturgeon were authorized captured with gill nets, trammel nets, and trawls; measured, weighed, tissue sampled, fin clipped for aging, PIT tagged and Floy tagged, internally and externally acoustic tagged, anesthetized with 150 ppm MS– 222, and gastric lavaged. The permit modification (Permit No. 16436–01) now consolidates takes of shortnose sturgeon issued in Permit No 16439 with those Atlantic sturgeon authorized in Permit No. 16436. Permit No. 16439 was terminated upon issuance of the modification. The takes of both Atlantic and shortnose sturgeon were increased in the modification to meet further objectives, including understanding impacts on each species from (1) construction of the Tappan Zee Bridge; (2) laying high voltage cable in the Hudson River; and (3) measuring contaminants levels in the Hudson River. New methods authorized in the modification include contaminant research sampling by performing laparoscopic liver biopsy, and anesthetizing animals with 250 mg/l MS–222 and electro-narcosis. A total of three incidental mortalities of shortnose and Atlantic sturgeon are now authorized annually as a result of increased research activity. The modification would be valid through the original expiration date of Permit No. 16436 on April 5, 2017. Issuance of this permit modification, as required by the ESA, was based on a finding that such permit (1) was applied for in good faith; (2) will not operate to the disadvantage of such endangered or threatened species; and (3) is consistent with the purposes and policies set forth in section 2 of the ESA. tkelley on DSK3SPTVN1PROD with NOTICES SUPPLEMENTARY INFORMATION: Dated: July 30, 2014. Julia Harrison, Chief, Permits and Conservation Division, Office of Protected Resources, National Marine Fisheries Service. [FR Doc. 2014–18334 Filed 8–1–14; 8:45 am] BILLING CODE 3510–22–P VerDate Mar<15>2010 17:28 Aug 01, 2014 Jkt 232001 DEPARTMENT OF COMMERCE National Telecommunications and Information Administration Community Broadband Workshop National Telecommunications and Information Administration, U.S. Department of Commerce. ACTION: Notice of open meeting. AGENCY: The National Telecommunications and Information Administration (NTIA) will hold a oneday regional workshop, ‘‘Building a Community Broadband Roadmap: Lessons in Implementation,’’ to share information to help communities build their broadband capacity and utilization. The workshop will present best practices and lessons learned from network infrastructure build-outs and digital inclusion programs from Minnesota and surrounding states, including broadband projects funded by NTIA. It will also explore effective business and partnership models and will include access to regional policymakers, federal funders and industry providers. DATES: The Community Broadband Workshop will be held on September 4, 2014, from 9:00 a.m. to 5:00 p.m., Central Time. ADDRESSES: The meeting will be held in the Hyatt Regency Minneapolis Northstar Ballroom at 1300 Nicollet Mall, Minneapolis, MN 55403. FOR FURTHER INFORMATION CONTACT: Karen Hanson, National Telecommunications and Information Administration, U.S. Department of Commerce, Room 4628, 1401 Constitution Avenue NW., Washington, DC 20230; telephone: (202) 482–0213; email: khanson@ntia.doc.gov. Please direct media inquiries to NTIA’s Office of Public Affairs, (202) 482–7002. SUPPLEMENTARY INFORMATION: The Community Broadband Workshop— Building a Community Broadband Roadmap: Lessons in Implementation— will include an NTIA presentation that discusses lessons learned through implementation of its broadband grants, and a panel that will explore key elements required for successful broadband projects using a mix of regional examples. Topics will include marketing/demand aggregation, outreach, coordination with government agencies, partnership strategies, construction and oversight. Another panel will examine business model options, including private networks, public/private partnerships, co-ops and municipal systems. The workshop will also include a panel discussion with SUMMARY: PO 00000 Frm 00009 Fmt 4703 Sfmt 4703 45183 federal and private funding entities that support investments in broadband infrastructure and adoption. NTIA will provide tips to communities on how to research funding options, make a compelling case to funders and leverage multiple federal and state funding streams. The workshop will be open to the public and press. Pre-registration is required, and space is limited. Information on how to pre-register for the meeting will be available on NTIA’s Web site: www.ntia.doc.gov/workshop. NTIA will ask registrants to provide their first and last names and email addresses for both registration purposes and to receive any updates on the workshop. If capacity for the meeting is reached, NTIA will maintain a waiting list and will inform those on the waiting list if space becomes available. The public meeting is physically accessible to people with disabilities. Individuals requiring accommodations, such as language interpretation or other ancillary aids, are asked to notify the NTIA contact listed above at least five (5) business days before the meeting. Meeting updates and relevant documents will be also available on NTIA’s Web site at www.ntia.doc.gov/ workshop. Dated: July 30, 2014. Kathy D. Smith, Chief Counsel, National Telecommunications and Information Administration. [FR Doc. 2014–18403 Filed 8–1–14; 8:45 am] BILLING CODE 3510–60–P BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB–2014–0016] Disclosure of Consumer Complaint Narrative Data Bureau of Consumer Financial Protection. ACTION: Proposed policy statement; extension of comment period. AGENCY: The Bureau of Consumer Financial Protection (Bureau) currently discloses certain complaint data it receives regarding consumer financial products and services via its web-based, public-facing database (Consumer Complaint Database). On July 23, 2014, the Bureau published in the Federal Register a Notice of Proposed Policy Statement with Request for Public Comment (Proposed Policy Statement) proposing to expand its disclosure to include unstructured consumer complaint narrative data (narratives). The Proposed Policy Statement SUMMARY: E:\FR\FM\04AUN1.SGM 04AUN1 tkelley on DSK3SPTVN1PROD with NOTICES 45184 Federal Register / Vol. 79, No. 149 / Monday, August 4, 2014 / Notices provided a 30-day comment period that will end on August 22, 2014. To allow interested persons additional time to consider and submit their responses, the Bureau has determined that an extension of the comment period until September 22, 2014, is appropriate. DATES: The comment period for the Disclosure of Consumer Complaint Narrative Data Proposed Policy Statement published July 23, 2014, at 79 FR 42765, is extended. Responses must now be received on or before September 22, 2014. ADDRESSES: You may submit comments, identified by Docket No. CFPB–2014– 0016, by any of the following methods: • Electronic: http:// www.regulations.gov. Follow the instructions for submitting comments. • Mail: Monica Jackson, Office of the Executive Secretary, Consumer Financial Protection Bureau, 1700 G Street NW., Washington DC 20552. • Hand Delivery/Courier: Monica Jackson, Office of the Executive Secretary, Consumer Financial Protection Bureau, 1275 First Street NE., Washington DC 20002. Instructions: All submissions should include the agency name and docket number for this proposal. Because paper mail in the Washington, DC area and at the Bureau is subject to delay, commenters are encouraged to submit comments electronically. In general, all comments received will be posted without change to http:// www.regulations.gov. In addition, comments will be available for public inspection and copying at 1275 First Street NE., Washington DC 20002, on official business days between the hours of 10 a.m. and 5 p.m. eastern standard time. You can make an appointment to inspect the documents by telephoning (202) 435–7275. All comments, including attachments and other supporting materials, will become part of the public record and subject to public disclosure. Sensitive personal information, such as account numbers or social security numbers, should not be included. Comments generally will not be edited to remove any identifying or contact information. FOR FURTHER INFORMATION CONTACT: For general inquiries, submission process questions, or any additional information, please contact Monica Jackson, Office of the Executive Secretary, 202–435–7275. SUPPLEMENTARY INFORMATION: On July 17, 2014, the Bureau issued the Proposed Policy Statement. The Proposed Policy Statement was published in the Federal Register on July 23, 2014. The Proposed Policy VerDate Mar<15>2010 17:28 Aug 01, 2014 Jkt 232001 Statement seeks comment, data and information from the public on the Bureau’s proposal to include narratives in the Consumer Complaint Database. On December 8, 2011, the Bureau published in the Federal Register a proposed policy statement describing its plans to disclose certain data about the credit card complaints that consumers submit to the Bureau (December 2011 Proposed Policy Statement).1 After receiving and considering a number of comments, the Bureau finalized its plans for publically disclosing data from consumer credit card complaints and published the final policy statement on June 22, 2012 (June 2012 Policy Statement).2 Also on June 22, 2012, the Bureau concurrently published in the Federal Register a proposed policy statement describing its plans to disclose data from consumer complaints about financial products and services other than credit cards (June 2012 Proposed Policy Statement).3 After receiving and considering a number of comments, the Bureau published the final policy statement on March 25, 2013 (March 2013 Policy Statement).4 In the June 2012 Proposed Policy Statement, the Bureau did not propose including narratives in the Consumer Complaint Database. Notwithstanding this, the Bureau received a significant number of comments specific to narrative disclosure. Consumer, civil rights, and open government groups supported disclosure on the grounds that disclosing narratives would provide consumers with more useful information on which to base financial decisions and would allow reviewers to assess the validity of the complaints. Two privacy groups, while acknowledging privacy risk stemming from publication of ‘‘non-identifiable’’ data and calling for further study, supported disclosure on an opt-in basis. Trade groups and industry commenters nearly uniformly opposed disclosure of consumer complaint narratives. The Bureau believes that the utility of the overall Consumer Complaint Database would greatly increase with the inclusion of narratives. This could lead to increased use by advocates, academics, the press, and entrepreneurs, which itself would lead to increased consumer contacts with the Bureau. The Bureau believes that the aforementioned increase in benefits and utility would lead to an increase in 1 76 FR 76628, Dec. 8, 2011. FR 37616, June 22, 2012. 3 77 FR 37616, June 22, 2012. 4 78 FR 21218, April 10, 2013. 2 77 PO 00000 Frm 00010 Fmt 4703 Sfmt 4703 consumer contacts, which would have a positive effect on Bureau operations. As a critical mass of complaint data is achieved and exceeded, the representativeness of Bureau complaint data increases. Thus, narratives would not only enhance the above consumer benefits but also the many Bureau functions that rely, in part, on complaint data to perform their respective missions including the Offices of Supervision, Enforcement, and Fair Lending, Consumer Education and Engagement, and Research, Markets, and Rulemaking. The Bureau balances interested parties’ desire to have additional time to consider the issues raised in the Proposed Policy Statement, gather data, and prepare their responses, with the need to proceed expeditiously to consider comments and determine whether to issue a final policy statement. The Bureau believes that a 60-day extension is appropriate. The comment period therefore will close on September 22, 2014. Dated: July 29, 2014. Elizabeth A. Corbett, Deputy Chief of Staff, Bureau of Consumer Financial Protection. [FR Doc. 2014–18355 Filed 8–1–14; 8:45 am] BILLING CODE 4810–AM–P CORPORATION FOR NATIONAL AND COMMUNITY SERVICE Proposed Information Collection; Comment Request Corporation for National and Community Service. ACTION: Notice. AGENCY: The Corporation for National and Community Service (CNCS), as part of its continuing effort to reduce paperwork and respondent burden, conducts a pre-clearance consultation program to provide the general public and federal agencies with an opportunity to comment on proposed and/or continuing collections of information in accordance with the Paperwork Reduction Act of 1995 (PRA95) (44 U.S.C. Sec. 3506(c)(2)(A)). This program helps to ensure that requested data can be provided in the desired format, reporting burden (time and financial resources) is minimized, collection instruments are clearly understood, and the impact of collection requirement on respondents can be properly assessed. Currently, CNCS is soliciting comments concerning its proposed Commission Support Grant Grantee Progress Report (GPR). All State SUMMARY: E:\FR\FM\04AUN1.SGM 04AUN1

Agencies

[Federal Register Volume 79, Number 149 (Monday, August 4, 2014)]
[Notices]
[Pages 45183-45184]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2014-18355]


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BUREAU OF CONSUMER FINANCIAL PROTECTION

[Docket No. CFPB-2014-0016]


Disclosure of Consumer Complaint Narrative Data

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Proposed policy statement; extension of comment period.

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

SUMMARY: The Bureau of Consumer Financial Protection (Bureau) currently 
discloses certain complaint data it receives regarding consumer 
financial products and services via its web-based, public-facing 
database (Consumer Complaint Database). On July 23, 2014, the Bureau 
published in the Federal Register a Notice of Proposed Policy Statement 
with Request for Public Comment (Proposed Policy Statement) proposing 
to expand its disclosure to include unstructured consumer complaint 
narrative data (narratives). The Proposed Policy Statement

[[Page 45184]]

provided a 30-day comment period that will end on August 22, 2014. To 
allow interested persons additional time to consider and submit their 
responses, the Bureau has determined that an extension of the comment 
period until September 22, 2014, is appropriate.

DATES: The comment period for the Disclosure of Consumer Complaint 
Narrative Data Proposed Policy Statement published July 23, 2014, at 79 
FR 42765, is extended. Responses must now be received on or before 
September 22, 2014.

ADDRESSES: You may submit comments, identified by Docket No. CFPB-2014-
0016, by any of the following methods:
     Electronic: http://www.regulations.gov. Follow the 
instructions for submitting comments.
     Mail: Monica Jackson, Office of the Executive Secretary, 
Consumer Financial Protection Bureau, 1700 G Street NW., Washington DC 
20552.
     Hand Delivery/Courier: Monica Jackson, Office of the 
Executive Secretary, Consumer Financial Protection Bureau, 1275 First 
Street NE., Washington DC 20002.
    Instructions: All submissions should include the agency name and 
docket number for this proposal. Because paper mail in the Washington, 
DC area and at the Bureau is subject to delay, commenters are 
encouraged to submit comments electronically. In general, all comments 
received will be posted without change to http://www.regulations.gov. 
In addition, comments will be available for public inspection and 
copying at 1275 First Street NE., Washington DC 20002, on official 
business days between the hours of 10 a.m. and 5 p.m. eastern standard 
time. You can make an appointment to inspect the documents by 
telephoning (202) 435-7275.
    All comments, including attachments and other supporting materials, 
will become part of the public record and subject to public disclosure. 
Sensitive personal information, such as account numbers or social 
security numbers, should not be included. Comments generally will not 
be edited to remove any identifying or contact information.

FOR FURTHER INFORMATION CONTACT: For general inquiries, submission 
process questions, or any additional information, please contact Monica 
Jackson, Office of the Executive Secretary, 202-435-7275.

SUPPLEMENTARY INFORMATION: On July 17, 2014, the Bureau issued the 
Proposed Policy Statement. The Proposed Policy Statement was published 
in the Federal Register on July 23, 2014. The Proposed Policy Statement 
seeks comment, data and information from the public on the Bureau's 
proposal to include narratives in the Consumer Complaint Database.
    On December 8, 2011, the Bureau published in the Federal Register a 
proposed policy statement describing its plans to disclose certain data 
about the credit card complaints that consumers submit to the Bureau 
(December 2011 Proposed Policy Statement).\1\ After receiving and 
considering a number of comments, the Bureau finalized its plans for 
publically disclosing data from consumer credit card complaints and 
published the final policy statement on June 22, 2012 (June 2012 Policy 
Statement).\2\
---------------------------------------------------------------------------

    \1\ 76 FR 76628, Dec. 8, 2011.
    \2\ 77 FR 37616, June 22, 2012.
---------------------------------------------------------------------------

    Also on June 22, 2012, the Bureau concurrently published in the 
Federal Register a proposed policy statement describing its plans to 
disclose data from consumer complaints about financial products and 
services other than credit cards (June 2012 Proposed Policy 
Statement).\3\ After receiving and considering a number of comments, 
the Bureau published the final policy statement on March 25, 2013 
(March 2013 Policy Statement).\4\ In the June 2012 Proposed Policy 
Statement, the Bureau did not propose including narratives in the 
Consumer Complaint Database.
---------------------------------------------------------------------------

    \3\ 77 FR 37616, June 22, 2012.
    \4\ 78 FR 21218, April 10, 2013.
---------------------------------------------------------------------------

    Notwithstanding this, the Bureau received a significant number of 
comments specific to narrative disclosure. Consumer, civil rights, and 
open government groups supported disclosure on the grounds that 
disclosing narratives would provide consumers with more useful 
information on which to base financial decisions and would allow 
reviewers to assess the validity of the complaints. Two privacy groups, 
while acknowledging privacy risk stemming from publication of ``non-
identifiable'' data and calling for further study, supported disclosure 
on an opt-in basis. Trade groups and industry commenters nearly 
uniformly opposed disclosure of consumer complaint narratives.
    The Bureau believes that the utility of the overall Consumer 
Complaint Database would greatly increase with the inclusion of 
narratives. This could lead to increased use by advocates, academics, 
the press, and entrepreneurs, which itself would lead to increased 
consumer contacts with the Bureau.
    The Bureau believes that the aforementioned increase in benefits 
and utility would lead to an increase in consumer contacts, which would 
have a positive effect on Bureau operations. As a critical mass of 
complaint data is achieved and exceeded, the representativeness of 
Bureau complaint data increases. Thus, narratives would not only 
enhance the above consumer benefits but also the many Bureau functions 
that rely, in part, on complaint data to perform their respective 
missions including the Offices of Supervision, Enforcement, and Fair 
Lending, Consumer Education and Engagement, and Research, Markets, and 
Rulemaking.
    The Bureau balances interested parties' desire to have additional 
time to consider the issues raised in the Proposed Policy Statement, 
gather data, and prepare their responses, with the need to proceed 
expeditiously to consider comments and determine whether to issue a 
final policy statement. The Bureau believes that a 60-day extension is 
appropriate. The comment period therefore will close on September 22, 
2014.

    Dated: July 29, 2014.
Elizabeth A. Corbett,
Deputy Chief of Staff, Bureau of Consumer Financial Protection.
[FR Doc. 2014-18355 Filed 8-1-14; 8:45 am]
BILLING CODE 4810-AM-P