Agency Information Collection Activities: Comment Request, 73734-73735 [2015-29910]
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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: https://
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 https://
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
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Fmt 4703
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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: https://
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
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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.
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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:
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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: https://
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:
https://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: https://
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:
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]]>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]
-----------------------------------------------------------------------
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.
-----------------------------------------------------------------------
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: https://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
