Fair Credit Reporting Act Disclosures, 74068-74069 [2014-29215]

Download as PDF 74068 Federal Register / Vol. 79, No. 240 / Monday, December 15, 2014 / Notices the conversion factors for units of measure into square meter equivalents used by the United States in implementing the ATC. For purposes of this notice, the most recent 12-month period for which data are available as of December 20, 2014 is the 12-month period ending on October 31, 2014. Therefore, for the one-year period beginning on December 20, 2014 and extending through December 19, 2015, the quantity of imports eligible for preferential treatment under the valueadded program is 332,915,916 square meters equivalent. Apparel articles entered in excess of these quantities will be subject to otherwise applicable tariffs. Dated: December 9, 2014. Joshua Teitelbaum, Deputy Assistant Secretary for Textiles, Consumer Goods and Materials. Trade Secret Symposium [FR Doc. 2014–29253 Filed 12–12–14; 8:45 am] BILLING CODE 3510–DR–P DEPARTMENT OF COMMERCE Patent and Trademark Office [Docket No.: PTO–C–2014–0047] Notice of Public Meeting on Trade Secret Topics United States Patent and Trademark Office, Commerce. ACTION: Notice of symposium. AGENCY: The protection of U.S. trade secrets from misappropriation is an Administration priority. As noted in the Administration Strategy on Mitigating the Theft of U.S. Trade Secrets (February 2013), ‘‘trade secret theft threatens American businesses, undermines national security, and places the security of the U.S. economy in jeopardy.’’ In pursuit of the goals of the Administration Strategy through information sharing and discussion, the United States Patent and Trademark Office will hold a public symposium on issues relevant to the protection of trade secrets. Topics to be discussed include losses due to trade secret theft and challenges to protecting trade secrets, the intersection of patent and trade secret protection, trade secret issues in civil litigation, trade secret protection in foreign jurisdictions, and proposed responses to the threat of trade secret theft in the U.S. DATES: The symposium will be held on January 8, 2015. The symposium will begin at 9 a.m. and end at 3 p.m. ADDRESSES: The symposium will be held at the United States Patent and Trademark Office, Madison Building, emcdonald on DSK67QTVN1PROD with NOTICES SUMMARY: VerDate Sep<11>2014 02:54 Dec 13, 2014 Jkt 235001 600 Dulany Street, Alexandria, Virginia 22314. FOR FURTHER INFORMATION CONTACT: For further information regarding the symposium, please contact Michael Smith, Jenny Blank, or Hollis Robinson at the Office of Policy and International Affairs, by telephone at (571) 272–9300, by email at tradesecrets@uspto.gov, or by postal mail addressed to: Mail Stop OPIA, United States Patent and Trademark Office, P.O. Box 1450, Alexandria, VA 22313–1450, ATTN: Michael Smith, Jenny Blank, or Hollis Robinson. Please direct all media inquiries to the Office of the Chief Communications Officer, USPTO, at (571) 272–8400. SUPPLEMENTARY INFORMATION: Under U.S. law, trade secrets comprise commercially valuable information not generally known or readily ascertainable to the public that are subject to reasonable measures to maintain confidentiality. The protection of U.S. trade secrets from misappropriation is an Administration priority. As stated in the Administration Strategy on Mitigating the Theft of U.S. Trade Secrets (February 2013), ‘‘trade secret theft threatens American businesses, undermines national security, and places the security of the U.S. economy in jeopardy.’’ Likewise, increased mobility, globalization, and the anonymous/pseudonymous nature of the internet result in new challenges to protecting trade secrets. In pursuit of the goals of the Administration Strategy through information sharing and discussion, the United States Patent and Trademark Office will hold a public symposium on issues relevant to the protection of trade secrets. Topics to be discussed include losses due to trade secret theft and challenges in protecting trade secrets, the intersection of patent and trade secret protection, trade secret matters that arise in civil litigation, trade secret protection in foreign jurisdictions, and proposed responses to the threat of trade secret theft in the U.S. The symposium will feature panel discussions, and there will be opportunities for attendees to ask questions. It is expected that experts from academia, the legislative and executive branches, the judiciary, private legal practice, and industry will serve as panelists. Instructions and Information on the Public Symposium The symposium will be held on January 8, 2015, at the United States Patent and Trademark Office, Madison PO 00000 Frm 00006 Fmt 4703 Sfmt 4703 Building, 600 Dulany Street, Alexandria, Virginia 22314. The symposium will begin at 9 a.m. and end at 3 p.m. The agenda will be available a week before the symposium on the USPTO Web site, https://www.uspto.gov/ . Registration is available at https:// events.SignUp4.com/tradesecrets. Attendees may also register at the door one half-hour prior to the beginning of the symposium. The symposium will be physically accessible to people with disabilities. Individuals requiring accommodation, such as sign language interpretation or other ancillary aids, should communicate their needs to Hollis Robinson at the Office of Policy and International Affairs, by telephone at (571) 272–9300, by email at hollis.robinson@uspto.gov, or by postal mail addressed to: Mail Stop OPIA, United States Patent and Trademark Office, P.O. Box 1450, Alexandria, VA 22313–1450, ATTN: Hollis Robinson, at least seven (7) business days prior to the symposium. Dated: December 9, 2014. Michelle K. Lee, Deputy Under Secretary of Commerce for Intellectual Property and Deputy Director of the United States Patent and Trademark Office. [FR Doc. 2014–29350 Filed 12–12–14; 8:45 am] BILLING CODE 3510–16–P BUREAU OF CONSUMER FINANCIAL PROTECTION Fair Credit Reporting Act Disclosures Bureau of Consumer Financial Protection. ACTION: Notice regarding charges for certain disclosures under the Fair Credit Reporting Act. AGENCY: The Bureau of Consumer Financial Protection (Bureau) announces that the ceiling on allowable charges under section 612(f) of the Fair Credit Reporting Act (FCRA) will increase from $11.50 to $12.00, effective for 2015. The Bureau is required to increase the $8.00 amount referred to in section 612(f)(1)(A)(i) of the FCRA on January 1 of each year, based proportionally on changes in the Consumer Price Index for All Urban Consumers (CPI–U), with fractional changes rounded to the nearest fifty cents. The CPI–U increased 47.66 percent between September 1997, when the FCRA amendments took effect, and September 2014. This increase in the CPI–U, and the requirement that any increase be rounded to the nearest fifty SUMMARY: E:\FR\FM\15DEN1.SGM 15DEN1 emcdonald on DSK67QTVN1PROD with NOTICES Federal Register / Vol. 79, No. 240 / Monday, December 15, 2014 / Notices cents, result in a maximum allowable charge of $12.00. DATES: Effective January 1, 2015. FOR FURTHER INFORMATION CONTACT: James Wylie, Counsel, Office of Regulations, at (202) 435–7700. SUPPLEMENTARY INFORMATION: Section 612(f)(1)(A) of the Fair Credit Reporting Act (FCRA) provides that a consumer reporting agency may charge a consumer a reasonable amount for making a disclosure to the consumer pursuant to section 609 of the FCRA.1 Section 612(f)(1)(A)(i) of the FCRA provides that, where a consumer reporting agency is permitted to impose a reasonable charge on a consumer for making a disclosure to the consumer pursuant to section 609 of the FCRA, the charge shall not exceed $8.00 and shall be indicated to the consumer before making the disclosure. Section 612(f)(2) of the FCRA states that the Bureau shall increase the $8.00 maximum amount on January 1 of each year, based proportionally on changes in the Consumer Price Index, with fractional changes rounded to the nearest fifty cents. In 2011, the responsibility for performing this task was transferred from the Federal Trade Commission to the Bureau pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.2 Like the Federal Trade Commission, the Bureau’s calculations are based on the CPI–U, which is the most general Consumer Price Index and covers all urban consumers and all items. Section 211(a)(2) of the FACT Act added a new section 612(a) to the FCRA that gives consumers the right to request free disclosures once every 12 months. The maximum allowable charge established by this notice does not apply to requests made under that provision. The charge does apply when a consumer who orders a file disclosure has already received a free annual disclosure and does not otherwise qualify for an additional free disclosure. The Bureau is using the $8.00 amount set forth in section 612(f)(1)(A)(i) of the FCRA as the baseline for its calculation of the increase in the ceiling on reasonable charges for certain disclosures made under section 609 of the FCRA. Since the effective date of the amended FCRA was September 30, 1 This provision, originally section 612(a), was added to the FCRA in September 1996 and became effective in September 1997. It was relabeled section 612(f) by section 211(a)(1) of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), Public Law 108–159, which was signed into law on December 4, 2003. 2 Public Law 111–203, title X, section 1088. VerDate Sep<11>2014 02:54 Dec 13, 2014 Jkt 235001 1997, the Bureau calculated the proportional increase in the CPI–U from September 1997 to September 2014. The Bureau then determined what modification, if any, from the original base of $8.00 should be made effective for 2015, given the requirement that fractional changes be rounded to the nearest fifty cents. Between September 1997 and September 2014, the CPI–U increased by 47.66 percent—from an index value of 161.2 in September 1997 to a value of 238.031 in September 2014. An increase of 47.66 percent in the $8.00 base figure would lead to a new figure of $11.81. However, because the statute directs that the resulting figure be rounded to the nearest $0.50, the new maximum allowable charge is $12.00. The Bureau therefore determines that the maximum allowable charge for the year 2015 will be $12.00, effective January 1, 2015. Dated: December 4, 2014. Richard Cordray, Director, Bureau of Consumer Financial Protection. [FR Doc. 2014–29215 Filed 12–12–14; 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. 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 renewal of the following proposed Generic Information Collection Request (Generic ICR): ‘‘Generic Clearance for the Collection of Qualitative Feedback on Agency Service Delivery’’ for approval under the Paperwork SUMMARY: PO 00000 Frm 00007 Fmt 4703 Sfmt 4703 74069 Reduction Act (PRA) (44 U.S.C. 3501 et. seq.). This collection was developed as part of a Federal Government-wide effort to streamline the process for seeking feedback from the public on service delivery. This notice announces our intent to submit this collection to OMB for approval and solicits comments on specific aspects for the proposed information collection. Copies of the information collection request can be obtained by contacting the office listed in the Addresses section of this Notice or on www.regulations.gov. Written comments must be submitted to the individual and office listed in the ADDRESSES section by February 13, 2015. ADDRESSES: You may submit comments, identified by the title of the information collection activity, by any of the following methods: (1) By mail sent to: Corporation for National and Community Service; Attention Amy Borgstrom, Room 10508B; 1201 New York Avenue NW., Washington, DC 20525. (2) By hand delivery or by courier to the CNCS mailroom at Room 8100 at the mail address given in paragraph (1) above, between 9:00 a.m. and 4:00 p.m. Eastern Time, Monday through Friday, except Federal holidays. (3) Electronically through www.regulations.gov. Individuals who use a telecommunications device for the deaf (TTY–TDD) may call 1–800–833–3722 between 8:00 a.m. and 8:00 p.m. Eastern Time, Monday through Friday. Comments submitted in response to this notice may be made available to the public through www.regulations.gov. For this reason, please do not include in your comments information of a confidential nature, such as sensitive personal information or proprietary information. If you send an email comment, your email address will be automatically captured and included as part of the comment that is placed in the public docket and made available on the Internet. Please note that responses to this public comment request containing any routine notice about the confidentiality of the communication will be treated as public comments that may be made available to the public notwithstanding the inclusion of the routine notice. FOR FURTHER INFORMATION CONTACT: Amy Borgstrom, 202–606–6930, or by email at aborgstrom@cns.gov. SUPPLEMENTARY INFORMATION: CNCS is particularly interested in comments that: DATES: E:\FR\FM\15DEN1.SGM 15DEN1

Agencies

[Federal Register Volume 79, Number 240 (Monday, December 15, 2014)]
[Notices]
[Pages 74068-74069]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2014-29215]


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BUREAU OF CONSUMER FINANCIAL PROTECTION


Fair Credit Reporting Act Disclosures

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Notice regarding charges for certain disclosures under the Fair 
Credit Reporting Act.

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

SUMMARY: The Bureau of Consumer Financial Protection (Bureau) announces 
that the ceiling on allowable charges under section 612(f) of the Fair 
Credit Reporting Act (FCRA) will increase from $11.50 to $12.00, 
effective for 2015. The Bureau is required to increase the $8.00 amount 
referred to in section 612(f)(1)(A)(i) of the FCRA on January 1 of each 
year, based proportionally on changes in the Consumer Price Index for 
All Urban Consumers (CPI-U), with fractional changes rounded to the 
nearest fifty cents. The CPI-U increased 47.66 percent between 
September 1997, when the FCRA amendments took effect, and September 
2014. This increase in the CPI-U, and the requirement that any increase 
be rounded to the nearest fifty

[[Page 74069]]

cents, result in a maximum allowable charge of $12.00.

DATES: Effective January 1, 2015.

FOR FURTHER INFORMATION CONTACT: James Wylie, Counsel, Office of 
Regulations, at (202) 435-7700.

SUPPLEMENTARY INFORMATION: Section 612(f)(1)(A) of the Fair Credit 
Reporting Act (FCRA) provides that a consumer reporting agency may 
charge a consumer a reasonable amount for making a disclosure to the 
consumer pursuant to section 609 of the FCRA.\1\ Section 
612(f)(1)(A)(i) of the FCRA provides that, where a consumer reporting 
agency is permitted to impose a reasonable charge on a consumer for 
making a disclosure to the consumer pursuant to section 609 of the 
FCRA, the charge shall not exceed $8.00 and shall be indicated to the 
consumer before making the disclosure. Section 612(f)(2) of the FCRA 
states that the Bureau shall increase the $8.00 maximum amount on 
January 1 of each year, based proportionally on changes in the Consumer 
Price Index, with fractional changes rounded to the nearest fifty 
cents.
---------------------------------------------------------------------------

    \1\ This provision, originally section 612(a), was added to the 
FCRA in September 1996 and became effective in September 1997. It 
was relabeled section 612(f) by section 211(a)(1) of the Fair and 
Accurate Credit Transactions Act of 2003 (FACT Act), Public Law 108-
159, which was signed into law on December 4, 2003.
---------------------------------------------------------------------------

    In 2011, the responsibility for performing this task was 
transferred from the Federal Trade Commission to the Bureau pursuant to 
the Dodd-Frank Wall Street Reform and Consumer Protection Act of 
2010.\2\ Like the Federal Trade Commission, the Bureau's calculations 
are based on the CPI-U, which is the most general Consumer Price Index 
and covers all urban consumers and all items.
---------------------------------------------------------------------------

    \2\ Public Law 111-203, title X, section 1088.
---------------------------------------------------------------------------

    Section 211(a)(2) of the FACT Act added a new section 612(a) to the 
FCRA that gives consumers the right to request free disclosures once 
every 12 months. The maximum allowable charge established by this 
notice does not apply to requests made under that provision. The charge 
does apply when a consumer who orders a file disclosure has already 
received a free annual disclosure and does not otherwise qualify for an 
additional free disclosure.
    The Bureau is using the $8.00 amount set forth in section 
612(f)(1)(A)(i) of the FCRA as the baseline for its calculation of the 
increase in the ceiling on reasonable charges for certain disclosures 
made under section 609 of the FCRA. Since the effective date of the 
amended FCRA was September 30, 1997, the Bureau calculated the 
proportional increase in the CPI-U from September 1997 to September 
2014. The Bureau then determined what modification, if any, from the 
original base of $8.00 should be made effective for 2015, given the 
requirement that fractional changes be rounded to the nearest fifty 
cents.
    Between September 1997 and September 2014, the CPI-U increased by 
47.66 percent--from an index value of 161.2 in September 1997 to a 
value of 238.031 in September 2014. An increase of 47.66 percent in the 
$8.00 base figure would lead to a new figure of $11.81. However, 
because the statute directs that the resulting figure be rounded to the 
nearest $0.50, the new maximum allowable charge is $12.00. The Bureau 
therefore determines that the maximum allowable charge for the year 
2015 will be $12.00, effective January 1, 2015.

    Dated: December 4, 2014.
Richard Cordray,
Director, Bureau of Consumer Financial Protection.
[FR Doc. 2014-29215 Filed 12-12-14; 8:45 am]
BILLING CODE 4810-AM-P
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