Notice of Availability of Translated Consumer Information Booklet, 57154-57155 [2015-24031]

Download as PDF 57154 Federal Register / Vol. 80, No. 183 / Tuesday, September 22, 2015 / Notices power, health system strengthening, regional cooperation, agricultural value chain, training, entrepreneurship, and women in business. The final agenda will be posted at least one week in advance of the meeting on the Council’s Web site at http://trade.gov/pac-dbia. DATES: October 14, 2015 at 9:30 a.m. (ET). ADDRESSES: The President’s Advisory Council on Doing Business in Africa meeting will be broadcast via live webcast on the Internet at http:// whitehouse.gov/live. FOR FURTHER INFORMATION CONTACT: Tricia Van Orden, Executive Secretary, President’s Advisory Council on Doing Business in Africa, Room 4043, 1401 Constitution Avenue NW., Washington, DC, 20230, telephone: 202–482–5876, email: dbia@trade.gov. SUPPLEMENTARY INFORMATION: Background: President Barack Obama directed the Secretary of Commerce to establish the President’s Advisory Council on Doing Business in Africa by Executive Order No. 13675 dated August 5, 2014. The Council was established by Charter on November 3, 2014, to advise the President, through the Secretary of Commerce, on strengthening commercial engagement between the United States and Africa, with a focus on advancing the President’s Doing Business in Africa Campaign as described in the U.S. Strategy Toward Sub-Saharan Africa of June 14, 2012. This Council is established in accordance with the provisions of the Federal Advisory Committee Act (FACA), as amended, 5 U.S.C. App. Public Submissions: The public is invited to submit written statements to the President’s Advisory Council on Doing Business in Africa. Statements must be received by COB October 9, 2015, by either of the following methods: tkelley on DSK3SPTVN1PROD with NOTICES a. Electronic Submissions Submit statements electronically to Tricia Van Orden, Executive Secretary, President’s Advisory Council on Doing Business in Africa, via email: dbia@ trade.gov. b. Paper Submissions Send paper statements to Tricia Van Orden, Executive Secretary, President’s Advisory Council on Doing Business in Africa, Room 4043, 1401 Constitution Avenue NW., Washington, DC, 20230. Statements will be provided to the members in advance of the meeting for consideration and also will be posted on the President’s Advisory Council on Doing Business in Africa Web site VerDate Sep<11>2014 17:39 Sep 21, 2015 Jkt 235001 (http://trade.gov/pac-dbia) without change, including any business or personal information provided such as names, addresses, email addresses, or telephone numbers. All statements received, including attachments and other supporting materials, are part of the public record and subject to public disclosure. You should submit only information that you wish to make publicly available. Meeting minutes: Copies of the Council’s meeting minutes will be available within ninety (90) days of the meeting on the Council’s Web site at http://trade.gov/pac-dbia. Dated: September 17, 2015. Tricia Van Orden, Executive Secretary, President’s Advisory Council on Doing Business in Africa. [FR Doc. 2015–24079 Filed 9–21–15; 8:45 am] BILLING CODE 3510–DR–P BUREAU OF CONSUMER FINANCIAL PROTECTION Notice of Availability of Translated Consumer Information Booklet Bureau of Consumer Financial Protection. ACTION: Notice of availability. AGENCY: The Bureau of Consumer Financial Protection (Bureau) announces the availability of a Spanishlanguage translation of a consumer publication, the Home Buying Information Booklet, also known as the Special Information Booklet or the Settlement Cost Booklet, required under the Real Estate Settlement Procedures Act (RESPA), Regulation X, and Regulation Z. The title of this publication is Su conjunto de ´ herramientas para prestamos ´ hipotecarios: Guıa paso a paso (English title: Your home loan toolkit: a step-bystep guide). ADDRESSES: The Spanish translation of the consumer publication is available for download on the Bureau’s Web site at www.consumerfinance.gov/learnmore and can also be found in the Catalog of U.S. Government Publications (http:// catalog.gpo.gov), maintained by Superintendent of Documents, U.S. Government Publishing Office, Washington, DC 20402. FOR FURTHER INFORMATION CONTACT: Julie Vore, Originations Analyst, Office of Mortgage Markets; or David Friend, Counsel, Office of Regulations; CFPB_ reginquiries@cfpb.gov or (202) 435– 7700. SUPPLEMENTARY INFORMATION: The Bureau is publishing this notice of SUMMARY: PO 00000 Frm 00010 Fmt 4703 Sfmt 4703 availability to inform the public of a Spanish-language translation of the recently revised Home Buying Information Booklet (Booklet). Background and contents of the Booklet were provided in the Notice of availability of the English-language version of the Booklet in 80 FR 17414, on April 1, 2015. Distribution and Use of the Translated Toolkit The Bureau views this Booklet as part of the Bureau’s broader mission to educate consumers about consumer financial products. The Booklet was revised to, among other things, improve its readability and usability and link to the Bureau’s Web site for tools and resources that consumers can use to make better-informed decisions about homeownership. Pursuant to 12 CFR 1026.19(g)(2), creditors may not make changes to, deletions from, or additions to the Booklet, other than certain types of changes to the cover page. Under 12 U.S.C. 2604(a), the Bureau is required to prepare a booklet to help consumers applying for federally related mortgage loans to understand the nature and costs of real estate settlement services. Under 12 U.S.C. 2604(d) and 12 CFR 1024.6(d) and 1026.19(g), each lender is required to provide the Booklet to each person from whom it receives an application for certain mortgage loans. The statute and regulations require the lender to deliver the Booklet or place it in the mail not later than three business days after the lender receives an application. Lenders are required to provide the Booklet in the version that is most appropriate for the person receiving it. 12 U.S.C. 2604(d). Just as with the revised English-language version announced on March 31, 2015, the Spanish-language version of the Booklet has been designed to help consumers make better-informed decisions about homeownership and understand the nature and costs of real estate settlement services. The Bureau encourages all mortgage market participants (including real estate agents, homeownership counselors, and mortgage brokers, for example) to provide the Booklet to consumers at any time, preferably as early in the home- or mortgage-shopping process as possible. Those who provide the Booklet should be aware that both the revised English and Spanish-language versions include information on the new Loan Estimate and Closing Disclosure that generally is required to be provided to consumers for applications for federally related mortgage loans that are received on or after October 3, 2015. Accordingly, the Bureau believes that E:\FR\FM\22SEN1.SGM 22SEN1 Federal Register / Vol. 80, No. 183 / Tuesday, September 22, 2015 / Notices the English and Spanish versions of the Booklet, entitled Your home loan toolkit: A step-by-step guide or Su conjunto de herramientas para ´ ´ prestamos hipotecarios: Guıa paso a paso, respectively, should be used only after that date. The Bureau also announces that it has fixed a typographical error in the ‘‘small’’ English-language version of the Booklet. This error was nonsubstantive: A duplicate sentence located on page 44. The corrected version is now available on the Bureau’s Web site as well as in the Catalog of U.S. Government Publications. Dated: September 14, 2015. Richard Cordray, Director, Bureau of Consumer Financial Protection. Department of the Air Force US Air Force Partially Patent License Air Force Research Laboratory Information Directorate, Rome, New York, Department of the Air Force. AGENCY: Notice of intent to issue a partially exclusive patent license. ACTION: Pursuant to the provisions of part 404 of Title 37, Code of Federal Regulations, which implements Public Law 96–517, as amended, the Department of the Air Force announces its intention to grant Exelis Inc., a wholly owned subsidiary of Harris Corporation, Mission Sustainment Division, a corporation of Indiana, having a place of business at 474 Phoenix Drive, Rome, New York 13441, a partially exclusive license in any right, title and interest the United States Air Force has in: U.S. Patent No. 8,732,100, issued on May 20th, 2014 entitled ‘‘Method and Apparatus for Event Detection Permitting Per Event Adjustment of False Alarm Rate.’’ SUMMARY: An exclusive license for this patent will be granted unless a written objection is received within fifteen (15) days from the date of publication of this Notice. Written objections should be sent to: Air Force Research Laboratory, Office of the Staff Judge Advocate, AFRL/RIJ, 26 Electronic Parkway, Rome, New York tkelley on DSK3SPTVN1PROD with NOTICES Jkt 235001 BILLING CODE 5001–10–P DEPARTMENT OF DEFENSE Department of the Air Force Notice of Intent To Prepare an Environmental Impact Statement on the Proposal To Improve F–22 Operational Efficiency at Joint Base Elmendorf-Richardson, Alaska Pursuant to the National Environmental Policy Act (NEPA) of 1969, as amended (42 U.S.C. 4321, et seq.), the Council on Environmental Quality (CEQ) Regulations for Implementing the Procedural Provisions of NEPA (40 CFR parts 1500–1508), and Air Force policy and procedures (32 CFR part 989), the Air Force is issuing this notice to advise the public of the intent to prepare an Environmental Impact Statement (EIS) for proposed F– 22 operational efficiency improvements at Joint Base Elmendorf-Richardson (JBER). The proposed action is to improve F– 22 operational efficiency; there is no proposed change in the number of aircraft at JBER nor in the ongoing military training in existing Alaska training airspace. Six alternatives that have been initially identified include changes in runway use and/or airfield infrastructure and maintenance. The EIS will address potential impacts resulting from implementation of the alternatives. The No Action Alternative is the runway use conditions from the F–22 Plus-Up Environmental Assessment (EA) and Finding of No Significant Impacts (FONSI) published, June 2011. Scoping: In order to define the full range of issues to be evaluated in the EIS, the Air Force will determine the scope of the analysis by soliciting comments from interested local, state and federal elected officials and agencies, as well as interested members of the public. This NOI also serves to provide early notice of compliance with Executive Order (EO) 11990, ‘‘Protection of Wetlands’’ and EO 11988, ‘‘Floodplain Management.’’ State and federal regulatory agencies with special expertise in wetlands and floodplains have been contacted to request SUMMARY: DEPARTMENT OF DEFENSE 17:39 Sep 21, 2015 [FR Doc. 2015–23989 Filed 9–21–15; 8:45 am] United States Air Force, Pacific Air Forces. ACTION: Notice of intent. BILLING CODE 4810–AM–P VerDate Sep<11>2014 Henry Williams, Acting, Air Force Federal Register Liaison Officer. AGENCY: [FR Doc. 2015–24031 Filed 9–21–15; 8:45 am] FOR FURTHER INFORMATION CONTACT: 13441–4514. Telephone: (315) 330– 2087; Facsimile (315) 330–7583. PO 00000 Frm 00011 Fmt 4703 Sfmt 4703 57155 comment. The Air Force plans to use the NEPA scoping process to also fulfill the requirements of the NHPA Section 106 implementing regulations by seeking public input on historic preservation issues and concerns. The scoping meeting will be held Wednesday, October 14, 2015, from 6:00 p.m. to 8:30 p.m. ADT, at Tyson Elementary School, 2801 Richmond Avenue, Anchorage, Alaska. Public scoping comments will be accepted in writing at the scoping meetings. Additional scoping comments will be accepted at any time during the EIS process. However, in order to ensure the Air Force has sufficient time to consider public input, scoping comments should arrive at the address below by October 27, 2015. FOR FURTHER INFORMATION CONTACT: JBER Public Affairs, Bldg. 10480 Sijan Ave., Suite 123, JBER, AK 99506 telephone: 907–552–8151 or email: jber.pa.3@us.af.mil. Henry Williams, Acting Air Force Federal Register Liaison Officer. [FR Doc. 2015–23988 Filed 9–21–15; 8:45 am] BILLING CODE 5001–10–P DEPARTMENT OF DEFENSE Department of the Army Army Science Board Partially Closed Meeting Notice Department of the Army, DoD. Notice of a partially closed meeting. AGENCY: ACTION: Pursuant to the Federal Advisory Committee Act of 1972, the Government in the Sunshine Act of 1976 and title 41 of the Code of Federal Regulations, the Department of the Army announces a meeting of the Army Science Board. FOR FURTHER INFORMATION CONTACT: Army Science Board, Designated Federal Officer, 2530 Crystal Drive, Suite 7098, Arlington, VA 22202; LTC Stephen K. Barker, the committee’s Designated Federal Officer (DFO), at (703) 545–8652 or email: stephen.k.barker.mil@mail.mil, or Mr. Paul Woodward at (703) 695–8344 or email: paul.j.woodward2.civ@mail.mil. SUPPLEMENTARY INFORMATION: Pursuant to the Federal Advisory Committee Act of 1972 (5 U.S.C., Appendix, as amended), the Government in the Sunshine Act of 1976 (U.S.C. 552b, as amended) and 41 Code of Federal Regulations (CFR) § 102–3.140 through 160, the Department of the Army SUMMARY: E:\FR\FM\22SEN1.SGM 22SEN1

Agencies

[Federal Register Volume 80, Number 183 (Tuesday, September 22, 2015)]
[Notices]
[Pages 57154-57155]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2015-24031]


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BUREAU OF CONSUMER FINANCIAL PROTECTION


Notice of Availability of Translated Consumer Information Booklet

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Notice of availability.

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

SUMMARY: The Bureau of Consumer Financial Protection (Bureau) announces 
the availability of a Spanish-language translation of a consumer 
publication, the Home Buying Information Booklet, also known as the 
Special Information Booklet or the Settlement Cost Booklet, required 
under the Real Estate Settlement Procedures Act (RESPA), Regulation X, 
and Regulation Z. The title of this publication is Su conjunto de 
herramientas para pr[eacute]stamos hipotecarios: Gu[iacute]a paso a 
paso (English title: Your home loan toolkit: a step-by-step guide).

ADDRESSES: The Spanish translation of the consumer publication is 
available for download on the Bureau's Web site at 
www.consumerfinance.gov/learnmore and can also be found in the Catalog 
of U.S. Government Publications (http://catalog.gpo.gov), maintained by 
Superintendent of Documents, U.S. Government Publishing Office, 
Washington, DC 20402.

FOR FURTHER INFORMATION CONTACT: Julie Vore, Originations Analyst, 
Office of Mortgage Markets; or David Friend, Counsel, Office of 
Regulations; CFPB_reginquiries@cfpb.gov or (202) 435-7700.

SUPPLEMENTARY INFORMATION: The Bureau is publishing this notice of 
availability to inform the public of a Spanish-language translation of 
the recently revised Home Buying Information Booklet (Booklet). 
Background and contents of the Booklet were provided in the Notice of 
availability of the English-language version of the Booklet in 80 FR 
17414, on April 1, 2015.

Distribution and Use of the Translated Toolkit

    The Bureau views this Booklet as part of the Bureau's broader 
mission to educate consumers about consumer financial products. The 
Booklet was revised to, among other things, improve its readability and 
usability and link to the Bureau's Web site for tools and resources 
that consumers can use to make better-informed decisions about 
homeownership. Pursuant to 12 CFR 1026.19(g)(2), creditors may not make 
changes to, deletions from, or additions to the Booklet, other than 
certain types of changes to the cover page.
    Under 12 U.S.C. 2604(a), the Bureau is required to prepare a 
booklet to help consumers applying for federally related mortgage loans 
to understand the nature and costs of real estate settlement services. 
Under 12 U.S.C. 2604(d) and 12 CFR 1024.6(d) and 1026.19(g), each 
lender is required to provide the Booklet to each person from whom it 
receives an application for certain mortgage loans. The statute and 
regulations require the lender to deliver the Booklet or place it in 
the mail not later than three business days after the lender receives 
an application. Lenders are required to provide the Booklet in the 
version that is most appropriate for the person receiving it. 12 U.S.C. 
2604(d). Just as with the revised English-language version announced on 
March 31, 2015, the Spanish-language version of the Booklet has been 
designed to help consumers make better-informed decisions about 
homeownership and understand the nature and costs of real estate 
settlement services. The Bureau encourages all mortgage market 
participants (including real estate agents, homeownership counselors, 
and mortgage brokers, for example) to provide the Booklet to consumers 
at any time, preferably as early in the home- or mortgage-shopping 
process as possible.
    Those who provide the Booklet should be aware that both the revised 
English and Spanish-language versions include information on the new 
Loan Estimate and Closing Disclosure that generally is required to be 
provided to consumers for applications for federally related mortgage 
loans that are received on or after October 3, 2015. Accordingly, the 
Bureau believes that

[[Page 57155]]

the English and Spanish versions of the Booklet, entitled Your home 
loan toolkit: A step-by-step guide or Su conjunto de herramientas para 
pr[eacute]stamos hipotecarios: Gu[iacute]a paso a paso, respectively, 
should be used only after that date.
    The Bureau also announces that it has fixed a typographical error 
in the ``small'' English-language version of the Booklet. This error 
was nonsubstantive: A duplicate sentence located on page 44. The 
corrected version is now available on the Bureau's Web site as well as 
in the Catalog of U.S. Government Publications.

    Dated: September 14, 2015.
Richard Cordray,
Director, Bureau of Consumer Financial Protection.
[FR Doc. 2015-24031 Filed 9-21-15; 8:45 am]
BILLING CODE 4810-AM-P