Agency Information Collection Activities: Comment Request, 73734-73735 [2015-29910]

Download as PDF 73734 Federal Register / Vol. 80, No. 227 / Wednesday, November 25, 2015 / Notices BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB–2015–0053] Agency Information Collection Activities: Submission for OMB Review; 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 (CFPB) 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 December 28, 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. • 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, tkelley on DSK3SPTVN1PROD with NOTICES SUMMARY: VerDate Sep<11>2014 19:15 Nov 24, 2015 Jkt 238001 DC 20552, (202) 435–9575, or email: PRA@cfpb.gov. Please do not submit comments to this email box. 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: Private Sector (Businesses and other for- and nonprofit institutions). Estimated Number of Respondents: 55. Estimated Total Annual Burden Hours: 12. 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 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 Bureau promulgated its Regulation Z to implement TILA, as required by the statute. The Bureau 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: The Bureau issued a 60-day Federal Register notice on September 14, 2015 (80 FR 55100). Comments were solicited and continue to be invited on: (a) Whether the collection of information is necessary for the proper performance of the PO 00000 Frm 00037 Fmt 4703 Sfmt 4703 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: November 19, 2015. Darrin A. King, Paperwork Reduction Act Officer, Bureau of Consumer Financial Protection. [FR Doc. 2015–30042 Filed 11–24–15; 8:45 am] BILLING CODE 4810–AM–P BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No: CFPB–2015–0049] 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, ‘‘Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.’’ DATES: Written comments are encouraged and must be received on or before January 25, 2016 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. SUMMARY: E:\FR\FM\25NON1.SGM 25NON1 tkelley on DSK3SPTVN1PROD with NOTICES Federal Register / Vol. 80, No. 227 / Wednesday, November 25, 2015 / Notices 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: Equal Credit Opportunity Act (Regulation B) 12 CFR 1002. OMB Control Number: 3170–0013. Type of Review: Extension without change of a currently approved collection. Affected Public: Private sector. Estimated Number of Respondents: 514,000. Estimated Total Annual Burden Hours: 1,450,250. Abstract: The Equal Credit Opportunity Act (‘‘ECOA’’) was enacted to ensure that credit is made available to all creditworthy applicants without discrimination on the basis of sex, marital status, race, color, religion, national origin, age, or other prohibited bases under the ECOA. The ECOA allows for creditors to collect information for self-testing against these criteria, while not allowing creditors to use this information in making credit decisions of applicants. For certain mortgage applications, the ECOA requires creditors to ask for some of the prohibited information for monitoring purposes. In addition, for certain mortgage applications, creditors are required to send a copy of any appraisal or written valuation used in the application process to the applicant in a timely fashion. The ECOA also prescribes creditors to inform applicants of decisions made on credit applications. In particular, where creditors make adverse actions on credit applications or existing accounts, creditors must inform consumers as to why the adverse action was taken, such that credit applicants can challenge errors on their accounts or learn how to become more creditworthy. Creditors must retain all application information for 25 months, including notices sent and any information related to adverse actions. VerDate Sep<11>2014 19:15 Nov 24, 2015 Jkt 238001 Finally, the ECOA requires creditors who furnish applicant information to a consumer credit bureau to reflect participation of the applicant’s spouse, if the spouse if permitted to use or contractually liable on the account. 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 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: November 17, 2015. Darrin A. King, Paperwork Reduction Act Officer, Bureau of Consumer Financial Protection. [FR Doc. 2015–29910 Filed 11–24–15; 8:45 am] BILLING CODE 4810–AM–P CONSUMER PRODUCT SAFETY COMMISSION [Docket No. CPSC–2012–0058] Agency Information Collection Activities; Proposed Collection; Comment Request; Safety Standard for Walk-Behind Power Lawn Mowers Consumer Product Safety Commission. ACTION: Notice. AGENCY: As required by the Paperwork Reduction Act of 1995 (44 U.S.C. Chapter 35), the Consumer Product Safety Commission (‘‘CPSC’’ or ‘‘Commission’’) requests comments on a proposed extension of approval of a collection of information relating to testing and recordkeeping requirements in the Safety Standard for Walk-Behind Power Lawn Mowers (16 CFR part 1205), approved previously under OMB Control No. 3041–0091. The Commission will consider all comments received in response to this notice before requesting an extension of this collection of information from the Office of Management and Budget (‘‘OMB’’). SUMMARY: PO 00000 Frm 00038 Fmt 4703 Sfmt 4703 73735 Submit written or electronic comments on the collection of information by January 25, 2016. ADDRESSES: You may submit comments, identified by Docket No. CPSC–2012– 0058, by any of the following methods: Electronic Submissions: Submit electronic comments to the Federal eRulemaking Portal at: http:// www.regulations.gov. Follow the instructions for submitting comments. The Commission does not accept comments submitted by electronic mail (email), except through www.regulations.gov. The Commission encourages you to submit electronic comments by using the Federal eRulemaking Portal, as described above. Written Submissions: Submit written submissions by mail/hand delivery/ courier to: Office of the Secretary, Consumer Product Safety Commission, Room 820, 4330 East West Highway, Bethesda, MD 20814; telephone (301) 504–7923. Instructions: All submissions received must include the agency name and docket number for this notice. All comments received may be posted without change, including any personal identifiers, contact information, or other personal information provided, to: http://www.regulations.gov. Do not submit confidential business information, trade secret information, or other sensitive or protected information that you do not want to be available to the public. If furnished at all, such information should be submitted in writing. Docket: For access to the docket to read background documents or comments received, go to: http:// www.regulations.gov, and insert the docket number CPSC–2012–0058, into the ‘‘Search’’ box, and follow the prompts. DATES: FOR FURTHER INFORMATION CONTACT: Robert H. Squibb, Consumer Product Safety Commission, 4330 East West Highway, Bethesda, MD 20814; (301) 504–7815, or by email to: rsquibb@ cpsc.gov. CPSC seeks to renew the following currently approved collection of information: Title: Safety Standard for WalkBehind Power Lawn Mowers. OMB Number: 3041–0091. Type of Review: Renewal of collection. Frequency of Response: On occasion. Affected Public: Manufacturers and importers of walk-behind power lawn mowers. Estimated Number of Respondents: 25 manufacturers and importers of walk- SUPPLEMENTARY INFORMATION: E:\FR\FM\25NON1.SGM 25NON1

Agencies

[Federal Register Volume 80, Number 227 (Wednesday, November 25, 2015)]
[Notices]
[Pages 73734-73735]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2015-29910]


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BUREAU OF CONSUMER FINANCIAL PROTECTION

[Docket No: CFPB-2015-0049]


Agency Information Collection Activities: Comment Request

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Notice and request for comment.

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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, ``Equal Credit Opportunity Act 
(Regulation B) 12 CFR 1002.''

DATES: Written comments are encouraged and must be received on or 
before January 25, 2016 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.

[[Page 73735]]

    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: Equal Credit Opportunity Act (Regulation B) 12 
CFR 1002.
    OMB Control Number: 3170-0013.
    Type of Review: Extension without change of a currently approved 
collection.
    Affected Public: Private sector.
    Estimated Number of Respondents: 514,000.
    Estimated Total Annual Burden Hours: 1,450,250.
    Abstract: The Equal Credit Opportunity Act (``ECOA'') was enacted 
to ensure that credit is made available to all creditworthy applicants 
without discrimination on the basis of sex, marital status, race, 
color, religion, national origin, age, or other prohibited bases under 
the ECOA. The ECOA allows for creditors to collect information for 
self-testing against these criteria, while not allowing creditors to 
use this information in making credit decisions of applicants. For 
certain mortgage applications, the ECOA requires creditors to ask for 
some of the prohibited information for monitoring purposes. In 
addition, for certain mortgage applications, creditors are required to 
send a copy of any appraisal or written valuation used in the 
application process to the applicant in a timely fashion.
    The ECOA also prescribes creditors to inform applicants of 
decisions made on credit applications. In particular, where creditors 
make adverse actions on credit applications or existing accounts, 
creditors must inform consumers as to why the adverse action was taken, 
such that credit applicants can challenge errors on their accounts or 
learn how to become more creditworthy. Creditors must retain all 
application information for 25 months, including notices sent and any 
information related to adverse actions.
    Finally, the ECOA requires creditors who furnish applicant 
information to a consumer credit bureau to reflect participation of the 
applicant's spouse, if the spouse if permitted to use or contractually 
liable on the account.
    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 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: November 17, 2015.
Darrin A. King,
Paperwork Reduction Act Officer, Bureau of Consumer Financial 
Protection.
[FR Doc. 2015-29910 Filed 11-24-15; 8:45 am]
BILLING CODE 4810-AM-P