Agency Information Collection Activities: Comment Request, 55100-55101 [2015-23068]

Download as PDF tkelley on DSK3SPTVN1PROD with NOTICES 55100 Federal Register / Vol. 80, No. 177 / Monday, September 14, 2015 / Notices below), and docket number (see above), by any of the following methods: • Electronic: http:// www.regulations.gov. Follow the instructions for submitting comments. • OMB: Office of Management and Budget, New Executive Office Building, Room 10235, Washington, DC 20503 or fax to (202) 395–5806. Mailed or faxed comments to OMB should be to the attention of the OMB Desk Officer for the Bureau of Consumer Financial Protection. Please note that comments submitted after the comment period will not be accepted. In general, all comments received will become public records, including any personal information provided. Sensitive personal information, such as account numbers or social security numbers, should not be included. FOR FURTHER INFORMATION CONTACT: Documentation prepared in support of this information collection request is available at www.reginfo.gov (this link active on the day following publication of this notice). Select ‘‘Information Collection Review,’’ under ‘‘Currently under review, use the dropdown menu ‘‘Select Agency’’ and select ‘‘Consumer Financial Protection Bureau’’ (recent submissions to OMB will be at the top of the list). The same documentation is also available at http:// www.regulations.gov. Requests for additional information should be directed to the Consumer Financial Protection Bureau, (Attention: PRA Office), 1700 G Street NW., Washington, DC 20552, (202) 435–9575, or email: PRA@cfpb.gov. Please do not submit comments to this email box. SUPPLEMENTARY INFORMATION: Title of Collection: Regulation F: Fair Debt Collection Practices Act, State Application for Exemption (12 CFR 1006.2). OMB Control Number: 3170–XXXX. Type of Review: Request for a new OMB Control Number. Affected Public: State and Tribal governments and the five (5) inhabited U.S. Territories. Estimated Number of Respondents: 1. Estimated Total Annual Burden Hours: 2. Abstract: This Rule establishes procedures and criteria whereby states may apply to the Bureau for exemption of a class of debt collection practices within the applying state from the provisions of the Fair Debt Collection Practices Act (FDCPA) as provided in section 817 of the Act, 15 U.S.C. 1692. The information collection request seeks OMB approval for the state application for exemption from the provisions of FDCPA as contained in 12 CFR 1006.2. VerDate Sep<11>2014 18:15 Sep 11, 2015 Jkt 235001 Request for Comments: The Bureau issued a 60-day Federal Register notice on June 15, 2015, (80 FR 34148). Comments were solicited and continue to be invited on: (a) Whether the collection of information is necessary for the proper performance of the functions of the Bureau, including whether the information will have practical utility; (b) The accuracy of the Bureau’s estimate of the burden of the collection of information, including the validity of the methods and the assumptions used; (c) Ways to enhance the quality, utility, and clarity of the information to be collected; and (d) Ways to minimize the burden of the collection of information on respondents, including through the use of automated collection techniques or other forms of information technology. Comments submitted in response to this notice will be summarized and/or included in the request for OMB approval. All comments will become a matter of public record. Dated: September 9, 2015. Linda F. Powell, Chief Data Officer, Bureau of Consumer Financial Protection. [FR Doc. 2015–23070 Filed 9–11–15; 8:45 am] BILLING CODE 4810–AM–P BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No: CFPB–2015–0039] Agency Information Collection Activities: Comment Request Bureau of Consumer Financial Protection. ACTION: Notice and request for comment. AGENCY: In accordance with the Paperwork Reduction Act of 1995 (PRA), the Consumer Financial Protection Bureau (Bureau) is requesting to renew the Office of Management and Budget (OMB) approval for an existing information collection, titled, ‘‘HighCost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z).’’ DATES: Written comments are encouraged and must be received on or before November 13, 2015 to be assured of consideration. ADDRESSES: You may submit comments, identified by the title of the information collection, OMB Control Number (see below), and docket number (see above), by any of the following methods: • Electronic: http:// www.regulations.gov. Follow the instructions for submitting comments. SUMMARY: PO 00000 Frm 00019 Fmt 4703 Sfmt 4703 • Mail: Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW., Washington, DC 20552. • Hand Delivery/Courier: Consumer Financial Protection Bureau (Attention: PRA Office), 1275 First Street NE., Washington, DC 20002. Please note that comments submitted after the comment period will not be accepted. In general, all comments received will become public records, including any personal information provided. Sensitive personal information, such as account numbers or social security numbers, should not be included. FOR FURTHER INFORMATION CONTACT: Documentation prepared in support of this information collection request is available at www.regulations.gov. Requests for additional information should be directed to the Consumer Financial Protection Bureau, (Attention: PRA Office), 1700 G Street NW., Washington, DC 20552, (202) 435–9575, or email: PRA@cfpb.gov. Please do not submit comments to this mailbox. SUPPLEMENTARY INFORMATION: Title of Collection: High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z). OMB Control Number: 3170–0023. Type of Review: Extension without change of a currently approved collection. Affected Public: Businesses and other for- and non-profit institutions. Estimated Number of Respondents: 49. Estimated Total Annual Burden Hours: 317. Abstract: The Truth in Lending Act (TILA), 15 U.S.C. 1601 et seq., was enacted to foster comparison credit shopping and informed credit decision making by requiring accurate disclosure of the costs and terms of credit to consumers. Creditors are subject to disclosure and other requirements that apply to open-end credit (e.g., revolving credit or credit lines) and closed-end credit (e.g., installment financing). TILA imposes disclosure requirements on all types of creditors in connection with consumer credit, including mortgage companies, finance companies, retailers, and credit card issuers, to ensure that consumers are fully apprised of the terms of financing prior to consummation of the transaction and, in some instances, during the loan term. It also imposes advertising disclosure requirements on advertisers of consumer credit. TILA also establishes billing error resolution procedures for open-end credit and limits consumer E:\FR\FM\14SEN1.SGM 14SEN1 Federal Register / Vol. 80, No. 177 / Monday, September 14, 2015 / Notices liability for the unauthorized use of credit cards. An amendment to TILA, the Home Ownership and Equity Protection Act (HOEPA), imposes, among other things, various disclosure and other requirements on certain creditors offering high-cost mortgages to consumers. The CFPB promulgated its Regulation Z to implement TILA, as required by the statute. The CFPB enforces TILA as to certain creditors and advertisers. TILA also contains a private right of action for consumers and provides enhanced remedies to consumers in high-cost mortgages for violations of HOEPA. Request for Comments: Comments are invited on: (a) Whether the collection of information is necessary for the proper performance of the functions of the Bureau, including whether the information will have practical utility; (b) The accuracy of the CFPB’s estimate of the burden of the collection of information, including the validity of the methods and the assumptions used; (c) Ways to enhance the quality, utility, and clarity of the information to be collected; and (d) Ways to minimize the burden of the collection of information on respondents, including through the use of automated collection techniques or other forms of information technology. Comments submitted in response to this notice will be summarized and/or included in the request for OMB approval. All comments will become a matter of public record. Dated: September 9, 2015. Linda F. Powell, Chief Data Officer, Bureau of Consumer Financial Protection. [FR Doc. 2015–23068 Filed 9–11–15; 8:45 am] BILLING CODE 4810–AM–P DEPARTMENT OF DEFENSE Office of the Secretary National Commission on the Future of the Army; Notice of Federal Advisory Committee Meeting Deputy Chief Management Officer, Department of Defense (DoD). ACTION: Notice of Federal advisory committee meeting. AGENCY: The DoD is publishing this notice to announce an open meeting of the National Commission on the Future of the Army (‘‘the Commission’’). DATES: Date of the open meeting: Thursday, September 24, 2015, from 3 p.m. to 5 p.m. ADDRESSES: Address of open meeting, September 24, 2015: Red Lion Hotel tkelley on DSK3SPTVN1PROD with NOTICES SUMMARY: VerDate Sep<11>2014 18:15 Sep 11, 2015 Jkt 235001 Conference Room, Red Lion Hotel— Tacoma, 8402 S. Hosmer Street, Tacoma, WA 98444. FOR FURTHER INFORMATION CONTACT: Mr. Don Tison, Designated Federal Officer, National Commission on the Future of the Army, 700 Army Pentagon, Room 3E406, Washington, DC 20310–0700, Email: dfo.public@ncfa.ncr.gov. Desk (703) 692–9099. Facsimile (703) 697– 8242. SUPPLEMENTARY INFORMATION: Due to circumstances beyond the control of the Designated Federal Officer and the Department of Defense, the National Commission on the Future of the Army was unable to provide public notification of its meeting of September 24, 2015, as required by 41 CFR 102– 3.150(a). Accordingly, the Advisory Committee Management Officer for the Department of Defense, pursuant to 41 CFR 102–3.150(b), waives the 15calendar day notification requirement. This meeting will be held under the provisions of the Federal Advisory Committee Act (FACA) of 1972 (5 U.S.C., Appendix, as amended), the Government in the Sunshine Act of 1976 (5 U.S.C. 552b, as amended), and 41 CFR 102–3.150. Purpose of Meetings: During the open meeting on Thursday, September 24, 2015, the Commission will hear verbal comments from the public. Agenda: September 24, 2015, 3 p.m. to 5 p.m.—Open Hearing: The public will have the opportunity to make verbal comments. Meeting Accessibility: Pursuant to 41 CFR 102–3.140 through 102–3.165 and the availability of space, the meeting scheduled for September 24, 2015 from 3 p.m. to 5 p.m. at the Red Lion Hotel Conference Room is open to the public. Seating is limited and pre-registration is strongly encouraged. Media representatives are also encouraged to register. Members of the media must comply with the rules of photography and video filming published by the Red Lion Hotel. The closest public parking facility is located on the property. Visitors should keep their belongings with them at all times. Written Comments: Pursuant to section 10(a)(3) of the FACA and 41 CFR 102–3.105(j) and 102–3.140, the public or interested organizations may submit written comments to the Commission in response to the stated agenda of the open and/or closed meeting or the Commission’s mission. The Designated Federal Officer (DFO) will review all submitted written statements. Written comments should be submitted to Mr. Donald Tison, DFO, via facsimile or electronic mail, the preferred modes of PO 00000 Frm 00020 Fmt 4703 Sfmt 4703 55101 submission. Each page of the comment must include the author’s name, title or affiliation, address, and daytime phone number. All comments received before Wednesday, September 23, 2015, will be provided to the Commission before the September 24, 2015, meeting. Comments received after Wednesday, September 23, 2015, will be provided to the Commission before its next meeting. All contact information may be found in the FOR FURTHER INFORMATION CONTACT section. Oral Comments: In addition to written statements, one hour and forty minutes will be reserved for individuals or interest groups to address the Commission on September 24, 2015. Those interested in presenting oral comments to the Commission must summarize their oral statement in writing and submit with their registration. The Commission’s staff will assign time to oral commenters at the meeting; no more than five minutes each for individuals. While requests to make an oral presentation to the Commission will be honored on a first come, first served basis, other opportunities for oral comments will be provided at future meetings. Registration: Individuals and entities who wish to attend the public hearing and meeting on Thursday, September 24, 2015 are encouraged to register for the event with the DFO using the electronic mail and facsimile contact information found in the FOR FURTHER INFORMATION CONTACT section. The communication should include the registrant’s full name, title, affiliation or employer, email address, day time phone number. This information will assist the Commission in contacting individuals should it decide to do so at a later date. If applicable, include written comments and a request to speak during the oral comment session. (Oral comment requests must be accompanied by a summary of your presentation.) Registrations and written comments should be typed. Additional Information The DoD sponsor for the Commission is the Deputy Chief Management Officer. The Commission is tasked to submit a report, containing a comprehensive study and recommendations, by February 1, 2016 to the President of the United States and the Congressional defense committees. The report will contain a detailed statement of the findings and conclusions of the Commission, together with its recommendations for such legislation and administrative actions it may consider appropriate in light of the results of the study. The comprehensive E:\FR\FM\14SEN1.SGM 14SEN1

Agencies

[Federal Register Volume 80, Number 177 (Monday, September 14, 2015)]
[Notices]
[Pages 55100-55101]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2015-23068]


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BUREAU OF CONSUMER FINANCIAL PROTECTION

[Docket No: CFPB-2015-0039]


Agency Information Collection Activities: Comment Request

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Notice and request for comment.

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

SUMMARY: In accordance with the Paperwork Reduction Act of 1995 (PRA), 
the Consumer Financial Protection Bureau (Bureau) is requesting to 
renew the Office of Management and Budget (OMB) approval for an 
existing information collection, titled, ``High-Cost Mortgage and 
Homeownership Counseling Amendments to the Truth in Lending Act 
(Regulation Z).''

DATES: Written comments are encouraged and must be received on or 
before November 13, 2015 to be assured of consideration.

ADDRESSES: You may submit comments, identified by the title of the 
information collection, OMB Control Number (see below), and docket 
number (see above), by any of the following methods:
     Electronic: http://www.regulations.gov. Follow the 
instructions for submitting comments.
     Mail: Consumer Financial Protection Bureau (Attention: PRA 
Office), 1700 G Street NW., Washington, DC 20552.
     Hand Delivery/Courier: Consumer Financial Protection 
Bureau (Attention: PRA Office), 1275 First Street NE., Washington, DC 
20002.
    Please note that comments submitted after the comment period will 
not be accepted. In general, all comments received will become public 
records, including any personal information provided. Sensitive 
personal information, such as account numbers or social security 
numbers, should not be included.

FOR FURTHER INFORMATION CONTACT: Documentation prepared in support of 
this information collection request is available at 
www.regulations.gov. Requests for additional information should be 
directed to the Consumer Financial Protection Bureau, (Attention: PRA 
Office), 1700 G Street NW., Washington, DC 20552, (202) 435-9575, or 
email: PRA@cfpb.gov. Please do not submit comments to this mailbox.

SUPPLEMENTARY INFORMATION: 
    Title of Collection: High-Cost Mortgage and Homeownership 
Counseling Amendments to the Truth in Lending Act (Regulation Z).
    OMB Control Number: 3170-0023.
    Type of Review: Extension without change of a currently approved 
collection.
    Affected Public: Businesses and other for- and non-profit 
institutions.
    Estimated Number of Respondents: 49.
    Estimated Total Annual Burden Hours: 317.
    Abstract: The Truth in Lending Act (TILA), 15 U.S.C. 1601 et seq., 
was enacted to foster comparison credit shopping and informed credit 
decision making by requiring accurate disclosure of the costs and terms 
of credit to consumers. Creditors are subject to disclosure and other 
requirements that apply to open-end credit (e.g., revolving credit or 
credit lines) and closed-end credit (e.g., installment financing). TILA 
imposes disclosure requirements on all types of creditors in connection 
with consumer credit, including mortgage companies, finance companies, 
retailers, and credit card issuers, to ensure that consumers are fully 
apprised of the terms of financing prior to consummation of the 
transaction and, in some instances, during the loan term. It also 
imposes advertising disclosure requirements on advertisers of consumer 
credit. TILA also establishes billing error resolution procedures for 
open-end credit and limits consumer

[[Page 55101]]

liability for the unauthorized use of credit cards. An amendment to 
TILA, the Home Ownership and Equity Protection Act (HOEPA), imposes, 
among other things, various disclosure and other requirements on 
certain creditors offering high-cost mortgages to consumers. The CFPB 
promulgated its Regulation Z to implement TILA, as required by the 
statute. The CFPB enforces TILA as to certain creditors and 
advertisers. TILA also contains a private right of action for consumers 
and provides enhanced remedies to consumers in high-cost mortgages for 
violations of HOEPA.
    Request for Comments: Comments are invited on: (a) Whether the 
collection of information is necessary for the proper performance of 
the functions of the Bureau, including whether the information will 
have practical utility; (b) The accuracy of the CFPB's estimate of the 
burden of the collection of information, including the validity of the 
methods and the assumptions used; (c) Ways to enhance the quality, 
utility, and clarity of the information to be collected; and (d) Ways 
to minimize the burden of the collection of information on respondents, 
including through the use of automated collection techniques or other 
forms of information technology. Comments submitted in response to this 
notice will be summarized and/or included in the request for OMB 
approval. All comments will become a matter of public record.

    Dated: September 9, 2015.
Linda F. Powell,
Chief Data Officer, Bureau of Consumer Financial Protection.
[FR Doc. 2015-23068 Filed 9-11-15; 8:45 am]
BILLING CODE 4810-AM-P