Agency Information Collection Activities: Proposed Collection; Comment Request, 54793-54794 [2015-22944]
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rmajette on DSK7SPTVN1PROD with NOTICES
Federal Register / Vol. 80, No. 176 / Friday, September 11, 2015 / Notices
obtained as a part of an examination or
supervision of a bank are exempt from
disclosure under FOIA exemption (b)(8),
for examination material (5 U.S.C.
552(b)(8)). In addition, the information
may also be kept confidential under
exemption 4 of the FOIA which protects
commercial or financial information
obtained from a person that is privileged
or confidential (5 U.S.C. 552(b)(4)).
Abstract: Reverse mortgages are
home-secured loans typically offered to
elderly consumers. Financial
institutions currently provide two types
of reverse mortgage products: the
lenders’ own proprietary reverse
mortgage products and reverse
mortgages insured by the Department of
Housing and Urban Development’s
Federal Housing Administration (FHA).
Reverse mortgage loans insured by the
FHA are made pursuant to the
guidelines and rules established by
HUD’s HECM program. HECM loans and
proprietary reverse mortgages are also
subject to the rules that implement
consumer protection laws such as the
Real Estate Settlement Procedures Act
(RESPA) and TILA.
In August 2010, the Federal Financial
Institutions Examination Council, on
behalf of its member agencies,1
published a Federal Register notice
adopting supervisory guidance titled
‘‘Reverse Mortgage Products: Guidance
for Managing Compliance and
Reputation Risks.’’ 2 The guidance is
designed to help financial institutions
with risk management and assist
financial institutions’ efforts to ensure
that their reverse mortgage lending
practices adequately address consumer
compliance and reputation risks.
The guidance describes reporting,
recordkeeping, and disclosures for both
proprietary and HECM reverse
mortgages. A number of these
disclosures are ‘‘usual and customary’’
business practices for proprietary and
HECM reverse mortgages, and these
would not meet the PRA’s definition of
‘‘paperwork.’’ Other included disclosure
requirements are currently mandated by
RESPA or TILA for all reverse mortgage
loans and information collections
required by HUD’s rules for HECM
loans.3 Discussion of these requirements
in the guidance is also not considered
additional paperwork burden imposed
by the guidance.
Proprietary reverse mortgage
products, however, are not subject to
HUD’s rules for HECM loans. To the
1 The Board, the Federal Deposit Insurance
Corporation, the National Credit Union
Administration, the Office of the Comptroller of the
Currency, and the Office of Thrift Supervision.
2 75 FR 50801.
3 OMB Control No. 2502–0524.
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extent that the interagency guidance
applies HECM requirements to
proprietary loans, this would meet the
PRA’s definition of paperwork burden.
There are also additional provisions
in the guidance that apply to both
proprietary and HECM reverse
mortgages that do not meet the ‘‘usual
and customary’’ standard, are not
covered by already approved
information collections and, therefore,
likewise meet the PRA’s definition of
paperwork burden.
Proprietary Reverse Mortgages
Financial institutions offering
proprietary reverse mortgages are
encouraged under the guidance to
follow or adopt relevant HECM
requirements for mandatory counseling,
disclosures, affordable origination fees,
restrictions on cross-selling of ancillary
products, and reliable appraisals.
Proprietary and HECM Reverse
Mortgages
Financial institutions offering either
proprietary or HECM reverse mortgages
are encouraged to develop clear and
balanced product descriptions and make
them available to consumers shopping
for a mortgage. They should set forth a
description of how disbursements can
be received and include timely
information to supplement disclosures
mandated by TILA and other
disclosures. Promotional materials and
product descriptions should include
information about the costs, terms,
features, and risks of reverse mortgage
products.
Financial institutions should adopt
policies and procedures that prohibit
directing a consumer to a particular
counseling agency or contacting a
counselor on the consumer’s behalf.
They should adopt clear written policies
and establish internal controls
specifying that neither the lender nor
any broker will require the borrower to
purchase any other product from the
lender in order to obtain the mortgage.
Policies should be clear so that
originators do not have an inappropriate
incentive to sell other products that
appear linked to the granting of a
mortgage. Legal and compliance reviews
should include oversight of
compensation programs so that lending
personnel are not improperly
encouraged to direct consumers to
particular products.
Financial institutions making,
purchasing, or servicing reverse
mortgages through a third party should
conduct due diligence and establish
criteria for third-party relationships and
compensation. They should set
requirements for agreements and
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54793
establish systems to monitor compliance
with the agreement and applicable laws
and regulations. They should also take
corrective action if a third party fails to
comply. Third-party relationships
should be structured in a way that does
not conflict with RESPA.
Current Actions: On June 23, 2015,
the Federal Reserve published a notice
in the Federal Register (80 FR 35953)
requesting comment for 60 days on the
Supervisory Guidance on Managing
Compliance and Reputation Risks for
Reverse Mortgage Products. The
comment period for this notice expired
on August 24, 2015. The Federal
Reserve did not receive any comments.
The information collection will be
extended as proposed.
Board of Governors of the Federal Reserve
System, September 8, 2015.
Robert deV. Frierson,
Secretary of the Board.
[FR Doc. 2015–22931 Filed 9–10–15; 8:45 am]
BILLING CODE 6210–01–P
DEPARTMENT OF HEALTH AND
HUMAN SERVICES
Centers for Medicare & Medicaid
Services
[Document Identifiers CMS–855S ]
Agency Information Collection
Activities: Proposed Collection;
Comment Request
Centers for Medicare &
Medicaid Services, HHS.
ACTION: Notice.
AGENCY:
The Centers for Medicare &
Medicaid Services (CMS) is announcing
an opportunity for the public to
comment on CMS’ intention to collect
information from the public. Under the
Paperwork Reduction Act of 1995 (the
PRA), federal agencies are required to
publish notice in the Federal Register
concerning each proposed collection of
information (including each proposed
extension or reinstatement of an existing
collection of information) and to allow
60 days for public comment on the
proposed action. Interested persons are
invited to send comments regarding our
burden estimates or any other aspect of
this collection of information, including
any of the following subjects: (1) The
necessity and utility of the proposed
information collection for the proper
performance of the agency’s functions;
(2) the accuracy of the estimated
burden; (3) ways to enhance the quality,
utility, and clarity of the information to
be collected; and (4) the use of
automated collection techniques or
SUMMARY:
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54794
Federal Register / Vol. 80, No. 176 / Friday, September 11, 2015 / Notices
other forms of information technology to
minimize the information collection
burden.
DATES: Comments must be received by
November 10, 2015.
ADDRESSES: When commenting, please
reference the document identifier or
OMB control number. To be assured
consideration, comments and
recommendations must be submitted in
any one of the following ways:
1. Electronically. You may send your
comments electronically to https://
www.regulations.gov. Follow the
instructions for ‘‘Comment or
Submission’’ or ‘‘More Search Options’’
to find the information collection
document(s) that are accepting
comments.
2. By regular mail. You may mail
written comments to the following
address: CMS, Office of Strategic
Operations and Regulatory Affairs,
Division of Regulations Development,
Attention: Document Identifier/OMB
Control Number _________, Room C4–
26–05, 7500 Security Boulevard,
Baltimore, Maryland 21244–1850.
To obtain copies of a supporting
statement and any related forms for the
proposed collection(s) summarized in
this notice, you may make your request
using one of following:
1. Access CMS’ Web site address at
https://www.cms.hhs.gov/
PaperworkReductionActof1995.
2. Email your request, including your
address, phone number, OMB number,
and CMS document identifier, to
Paperwork@cms.hhs.gov.
3. Call the Reports Clearance Office at
(410) 786–1326.
FOR FURTHER INFORMATION CONTACT:
Reports Clearance Office at (410) 786–
1326.
SUPPLEMENTARY INFORMATION:
rmajette on DSK7SPTVN1PROD with NOTICES
Contents
This notice sets out a summary of the
use and burden associated with the
following information collections. More
detailed information can be found in
each collection’s supporting statement
and associated materials (see
ADDRESSES).
CMS–855S Medicare Enrollment
Application—Durable Medical
Equipment, Prosthetics, Orthotics and
Supplies (DMEPOS) Suppliers
Under the PRA (44 U.S.C. 3501–
3520), federal agencies must obtain
approval from the Office of Management
and Budget (OMB) for each collection of
information they conduct or sponsor.
The term ‘‘collection of information’’ is
defined in 44 U.S.C. 3502(3) and 5 CFR
1320.3(c) and includes agency requests
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Jkt 235001
or requirements that members of the
public submit reports, keep records, or
provide information to a third party.
Section 3506(c)(2)(A) of the PRA
requires federal agencies to publish a
60-day notice in the Federal Register
concerning each proposed collection of
information, including each proposed
extension or reinstatement of an existing
collection of information, before
submitting the collection to OMB for
approval. To comply with this
requirement, CMS is publishing this
notice.
Dated: September 8, 2015.
William N. Parham, III,
Director, Paperwork Reduction Staff, Office
of Strategic Operations and Regulatory
Affairs.
Information Collection
Drug Interactions With Hormonal
Contraceptives: Public Health and
Drug Development Implications; Public
Meeting
1. Type of Information Collection
Request: Revision of a currently
approved collection;
Title of Information Collection:
Medicare Enrollment Application—
Durable Medical Equipment,
Prosthetics, Orthotics and Supplies
(DMEPOS) Suppliers; Use: The primary
function of the CMS 855S Durable
Medical Equipment, Prosthetics,
Orthotics and Supplies (DMEPOS)
supplier enrollment application is to
gather information from a supplier that
tells us who it is, whether it meets
certain qualifications to be a health care
supplier, where it renders its services or
supplies, the identity of the owners of
the enrolling entity, and information
necessary to establish correct claims
payment.
The goal of this revision of the CMS
855S is to simplify and clarify the
current data collection and to remove
obsolete and/or redundant questions.
Grammar and spelling errors were
corrected. Limited informational text
has been added within the application
form and instructions in conjunction
with links to Web sites when greater
detail is needed by the supplier. To
clarify current data collection
differentiations and to be in sync with
accreditation coding, Section 3D
(‘‘Products and Services Furnished by
This Supplier’’) has been updated. This
revision does not offer any new material
data collection. Form Number: CMS–
855S (OMB Control Number: 0938–
1056); Frequency: Annually; Affected
Public: Private Sector (Business or other
for-profits and Not-for-profit
institutions); Number of Respondents:
31,915; Total Annual Responses:
31,915; Total Annual Hours: 36,842.
(For policy questions regarding this
collection contact Kim McPhillips at
410–786–5374.)
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[FR Doc. 2015–22944 Filed 9–10–15; 8:45 am]
BILLING CODE 4120–01–P
DEPARTMENT OF HEALTH AND
HUMAN SERVICES
Food and Drug Administration
[Docket No. FDA–2015–N–3156]
AGENCY:
Food and Drug Administration,
HHS.
Notice of public meeting;
request for comments.
ACTION:
The Food and Drug
Administration (FDA) is announcing a
public meeting entitled ‘‘Drug
Interactions with Hormonal
Contraceptives: Public Health and Drug
Development Implications’’ and an
opportunity for public comment on the
topic of drug interactions with
hormonal contraceptives (HCs). The
goal of this public meeting is to provide
an opportunity for FDA to seek input
from experts on the public health
concerns associated with use of HCs and
interacting drugs that might affect
efficacy and safety, pharmacokinetic
(PK)/pharmacodynamic (PD)
considerations in designing drug
interaction studies with HCs during
drug development, and approaches to
translating the results of drug
interaction information into informative
labeling and communication. The input
received may be used to refine FDA’s
thinking on HC drug interaction study
design and interpretation, and labeling
communication on drug interaction risk.
DATES: The public meeting will be held
on November 9, 2015, from 8:30 a.m. to
4:30 p.m. Individuals who wish to
attend the meeting in person or via Web
cast must register by October 9, 2015.
Please submit either electronic or
written comments by December 15,
2015, to receive consideration. See the
SUPPLEMENTARY INFORMATION section for
information on how to register for the
meeting and submit electronic or
written comments.
ADDRESSES: The meeting will be held at
the FDA White Oak Campus, 10903
New Hampshire Ave., Bldg. 31
Conference Center, Section A of the
Great Room (Rm. 1503), Silver Spring,
MD 20993. Entrance for the public
SUMMARY:
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Agencies
[Federal Register Volume 80, Number 176 (Friday, September 11, 2015)]
[Notices]
[Pages 54793-54794]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2015-22944]
=======================================================================
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DEPARTMENT OF HEALTH AND HUMAN SERVICES
Centers for Medicare & Medicaid Services
[Document Identifiers CMS-855S ]
Agency Information Collection Activities: Proposed Collection;
Comment Request
AGENCY: Centers for Medicare & Medicaid Services, HHS.
ACTION: Notice.
-----------------------------------------------------------------------
SUMMARY: The Centers for Medicare & Medicaid Services (CMS) is
announcing an opportunity for the public to comment on CMS' intention
to collect information from the public. Under the Paperwork Reduction
Act of 1995 (the PRA), federal agencies are required to publish notice
in the Federal Register concerning each proposed collection of
information (including each proposed extension or reinstatement of an
existing collection of information) and to allow 60 days for public
comment on the proposed action. Interested persons are invited to send
comments regarding our burden estimates or any other aspect of this
collection of information, including any of the following subjects: (1)
The necessity and utility of the proposed information collection for
the proper performance of the agency's functions; (2) the accuracy of
the estimated burden; (3) ways to enhance the quality, utility, and
clarity of the information to be collected; and (4) the use of
automated collection techniques or
[[Page 54794]]
other forms of information technology to minimize the information
collection burden.
DATES: Comments must be received by November 10, 2015.
ADDRESSES: When commenting, please reference the document identifier or
OMB control number. To be assured consideration, comments and
recommendations must be submitted in any one of the following ways:
1. Electronically. You may send your comments electronically to
https://www.regulations.gov. Follow the instructions for ``Comment or
Submission'' or ``More Search Options'' to find the information
collection document(s) that are accepting comments.
2. By regular mail. You may mail written comments to the following
address: CMS, Office of Strategic Operations and Regulatory Affairs,
Division of Regulations Development, Attention: Document Identifier/OMB
Control Number _________, Room C4-26-05, 7500 Security Boulevard,
Baltimore, Maryland 21244-1850.
To obtain copies of a supporting statement and any related forms
for the proposed collection(s) summarized in this notice, you may make
your request using one of following:
1. Access CMS' Web site address at https://www.cms.hhs.gov/PaperworkReductionActof1995.
2. Email your request, including your address, phone number, OMB
number, and CMS document identifier, to Paperwork@cms.hhs.gov.
3. Call the Reports Clearance Office at (410) 786-1326.
FOR FURTHER INFORMATION CONTACT: Reports Clearance Office at (410) 786-
1326.
SUPPLEMENTARY INFORMATION:
Contents
This notice sets out a summary of the use and burden associated
with the following information collections. More detailed information
can be found in each collection's supporting statement and associated
materials (see ADDRESSES).
CMS-855S Medicare Enrollment Application--Durable Medical Equipment,
Prosthetics, Orthotics and Supplies (DMEPOS) Suppliers
Under the PRA (44 U.S.C. 3501-3520), federal agencies must obtain
approval from the Office of Management and Budget (OMB) for each
collection of information they conduct or sponsor. The term
``collection of information'' is defined in 44 U.S.C. 3502(3) and 5 CFR
1320.3(c) and includes agency requests or requirements that members of
the public submit reports, keep records, or provide information to a
third party. Section 3506(c)(2)(A) of the PRA requires federal agencies
to publish a 60-day notice in the Federal Register concerning each
proposed collection of information, including each proposed extension
or reinstatement of an existing collection of information, before
submitting the collection to OMB for approval. To comply with this
requirement, CMS is publishing this notice.
Information Collection
1. Type of Information Collection Request: Revision of a currently
approved collection;
Title of Information Collection: Medicare Enrollment Application--
Durable Medical Equipment, Prosthetics, Orthotics and Supplies (DMEPOS)
Suppliers; Use: The primary function of the CMS 855S Durable Medical
Equipment, Prosthetics, Orthotics and Supplies (DMEPOS) supplier
enrollment application is to gather information from a supplier that
tells us who it is, whether it meets certain qualifications to be a
health care supplier, where it renders its services or supplies, the
identity of the owners of the enrolling entity, and information
necessary to establish correct claims payment.
The goal of this revision of the CMS 855S is to simplify and
clarify the current data collection and to remove obsolete and/or
redundant questions. Grammar and spelling errors were corrected.
Limited informational text has been added within the application form
and instructions in conjunction with links to Web sites when greater
detail is needed by the supplier. To clarify current data collection
differentiations and to be in sync with accreditation coding, Section
3D (``Products and Services Furnished by This Supplier'') has been
updated. This revision does not offer any new material data collection.
Form Number: CMS-855S (OMB Control Number: 0938-1056); Frequency:
Annually; Affected Public: Private Sector (Business or other for-
profits and Not-for-profit institutions); Number of Respondents:
31,915; Total Annual Responses: 31,915; Total Annual Hours: 36,842.
(For policy questions regarding this collection contact Kim McPhillips
at 410-786-5374.)
Dated: September 8, 2015.
William N. Parham, III,
Director, Paperwork Reduction Staff, Office of Strategic Operations and
Regulatory Affairs.
[FR Doc. 2015-22944 Filed 9-10-15; 8:45 am]
BILLING CODE 4120-01-P