Defense Health Board; Notice of Federal Advisory Committee Meeting, 47789-47790 [2016-17349]

Download as PDF Federal Register / Vol. 81, No. 141 / Friday, July 22, 2016 / Notices ability of consumers to afford or to understand and compare credit options marketed to consumers facing liquidity crisis in a way that raises consumer protection concerns or impedes their ability to understand or anticipate the full cost of the loan to that consumer? a. If so, what specific back-end pricing fees, contractual terms, or other business activities exist in the marketplace or are likely to evolve in the future? b. If so, what back-end pricing fees, contractual terms, or other business activities are associated with consumer harm? c. What data, evidence, or other information tends to show the current or likely future prevalence of consumer harm, if any, associated with such backend pricing in covered or non-covered high-cost loans? VI. Potential Consumer Harm from Ancillary Products In the Bureau’s experience, the marketing of ancillary products, sometimes called ‘‘add-ons,’’ can lead to consumer protection concerns.39 For instance, the Bureau is concerned that some creditors may engage in sales and marketing practices that raise consumer protection concerns with respect to the sale of credit insurance, debt suspension or debt cancellation agreements, and other credit related ancillary products. For example, in the past four years the Bureau has announced numerous different public enforcement actions associated with illegal marketing of addons that led to approximately $2.4 billion in consumer redress, refunds, and forgiven debts. In these ancillary product matters, the Bureau, in some instances working in cooperation with other Federal or State regulators, imposed over $128 million in civil money penalties. Among other practices and concerns, the Bureau has found or alleged that some companies offering ancillary products failed to accurately describe those products, offered products that provided little or no benefit to consumers without disclosing this fact, stated or implied that ancillary products were required as a condition of borrowing when they were not, and billed consumers for add-on products without permission.40 For both covered ehiers on DSK5VPTVN1PROD with NOTICES 39 Examples of ancillary products include credit insurance, debt suspension or debt cancellation agreements, and identity theft protection plans. 40 See, e.g., Citibank, N.A., CFPB No. 2015– CFPB–0015 (July 21, 2015), available at https:// files.consumerfinance.gov/f/201507_cfpb_consentorder-citibank-na-department-stores-national-bankand-citicorp-credit-services-inc-usa.pdf; Am. Express Centurion Bank, CFPB No. 2012–CFPB– 0002 (Oct. 1, 2012), available at https:// files.consumerfinance.gov/f/2012–CFPB–0002- VerDate Sep<11>2014 15:19 Jul 21, 2016 Jkt 238001 and non-covered loans, the Bureau seeks to learn more about the marketing of ancillary products to consumers facing liquidity crisis and borrowing outside the mainstream credit system. Moreover, ancillary products can affect the affordability of consumer credit. The Bureau’s Concurrent Proposal includes the cost of credit insurance, debt suspension agreements, and credit-related ancillary products sold in originating a loan in calculating the total cost of credit for purposes of determining whether a longer duration loan is covered by the proposed rule. The Bureau’s Concurrent Proposal also would require that creditors consider the cost of these products in determining borrowers’ ability to repay. Nevertheless, the Bureau seeks to obtain more information about the prevalence and affordability of add-on products in non-covered loans made to consumers facing liquidity crisis. With respect to these potential issues: 17. Aside from affordability, are there consumer protection concerns arising out of the marketing of ancillary products in covered payday, vehicle title, or similar loans? If so, what evidence, data, or other information shows the current or likely future prevalence of these concerns? 18. To what extent do lenders making non-covered, high-cost loans consider the cost of ancillary products in determining whether borrowers have the ability to repay? a. If they do so, how do they do it? b. If lenders do not currently consider the affordability of such products, what would be a reasonable method of underwriting for this component of the loan? c. What evidence, data, or other information shows the current or likely future prevalence of unaffordable ancillary products in non-covered loans? 19. Are there other consumer protection concerns associated with the marketing or use of ancillary products in combination with covered or noncovered, high-cost credit? If so, what evidence, data, or other information shows the current or likely future prevalence of such consumer protection concerns? VII. Potential Market Evolution and Other Topics Not Identified The market for high-cost consumer credit is currently in transition due to regulatory and technological change. American-Express-Centurion-Consent-Order.pdf; Discover Bank, CFPB No. 2012–CFPB–0005 (Sept. 24, 2012), available at https:// files.consumerfinance.gov/f/201209_cfpb_consent_ order_0005.pdf. PO 00000 Frm 00044 Fmt 4703 Sfmt 4703 47789 Many lenders are developing new technological channels for delivering consumer financial products to the market place. State, local and tribal laws are continually evolving in response to these forces. The Bureau seeks to apprise itself of current and expected changes in the marketplace for high-cost loans that could present consumer protection concerns. Moreover, the Bureau is mindful that, in the past, markets supplying credit to borrowers facing cash shortfalls have evolved in response to regulatory action, thereby causing the government considerable difficulty in addressing some consumer protection issues. Bearing in mind the potential for future evolution in this market and in lender practices: 20. Are there other marketing, origination, underwriting, or collection practices that currently exist or, if the Bureau issues a final rule along the lines of the Concurrent Proposal, are likely to emerge, that pose risk to consumers and may warrant Bureau regulatory, supervisory, enforcement, or consumer educational action? 21. Are there arrangements with brokers, credit service organizations, or other intermediaries in the marketing, origination, underwriting, collection or information-sharing practices associated with non-covered high-cost credit markets that pose risk to consumers and may warrant Bureau regulatory, supervisory, enforcement, or consumer educational action? 22. If so, what specific actions or policies should the Bureau consider in addressing such consumer harm? Other than usury limits applicable to an extension of credit, which Congress has not authorized the Bureau to establish, are there examples of existing law, regulations, or other policy interventions that the Bureau should consider? Dated: June, 2016. Richard Cordray, Director, Bureau of Consumer Financial Protection. [FR Doc. 2016–13492 Filed 7–21–16; 8:45 am] BILLING CODE 4810–AM–P DEPARTMENT OF DEFENSE Office of the Secretary Defense Health Board; Notice of Federal Advisory Committee Meeting Department of Defense (DoD). Notice of Federal Advisory Committee meeting. AGENCY: ACTION: E:\FR\FM\22JYN1.SGM 22JYN1 47790 Federal Register / Vol. 81, No. 141 / Friday, July 22, 2016 / Notices The Department of Defense is publishing this notice to announce that the following Federal Advisory Committee meeting of the Defense Health Board will take place. DATES: SUMMARY: Tuesday, August 9, 2016 9:00 a.m.–11:30 a.m. (Open Session) 11:30 a.m.–12:30 p.m. (Administrative Session) 12:30 p.m.–5:00 p.m. (Open Session) ADDRESSES: The St. Anthony, San Antonio—Peraux Room, 300 East Travis Street, San Antonio, TX 78205 (Premeeting registration required; see guidance in SUPPLEMENTARY INFORMATION, ‘‘Public’s Accessibility to the Meeting’’). FOR FURTHER INFORMATION CONTACT: The Executive Director of the Defense Health Board is Ms. Christine Bader, 7700 Arlington Boulevard, Suite 5101, Falls Church, Virginia 22042, (703) 681–6653, Fax: (703) 681–9539, christine.e.bader.civ@mail.mil. For meeting information, please contact Ms. Kendal Brown, 7700 Arlington Boulevard, Suite 5101, Falls Church, Virginia 22042, kendal.l.brown2.ctr@ mail.mil, (703) 681–6670, Fax: (703) 681–9539. SUPPLEMENTARY INFORMATION: This meeting is being held under the provisions of the Federal Advisory Committee Act 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. Additional information, including the agenda and electronic registration, is available at the DHB Web site, https://www.health.mil/ About-MHS/Other-MHS-Organizations/ Defense-Health-Board/Meetings. Purpose of the Meeting The purpose of the meeting is to provide progress updates on specific taskings before the DHB. In addition, the DHB will receive information briefings on current issues or lessons learned related to military medicine, health policy, health research, disease/injury prevention, health promotion, and health care delivery. ehiers on DSK5VPTVN1PROD with NOTICES Agenda Pursuant to 5 U.S.C. 552b and 41 CFR 102–3.140 through 102–3.165 and subject to availability of space, the DHB meeting is open to the public from 9:00 a.m. to 11:30 a.m. and 12:30 p.m. to 5:00 p.m. on August 9, 2016. The DHB anticipates receiving progress updates from the Health Care Delivery Subcommittee on the pediatric clinical preventive services tasking, Public VerDate Sep<11>2014 15:19 Jul 21, 2016 Jkt 238001 Health Subcommittee on its review of improving Defense Health Program medical research processes, and a subset of the Board on the Deployment Health Centers review. In addition, the DHB anticipates receiving information briefings on the Military Health System Population Health Portal; the Army Medical Home; a review of recommendations from the 2014 DHB report Combat Trauma Lessons Learned from Military Operations of 2001–2013; an update on progress in the evolution of the Joint Trauma System; a review of the recent National Academies of Sciences, Engineering, and Medicine report on A National Trauma Care System: Integrating Military and Civilian Trauma Systems to Achieve Zero Preventable Deaths After Injury; and advances in genitourinary reconstruction following combat trauma. Any changes to the agenda can be found at the link provided in this SUPPLEMENTARY INFORMATION section. Public’s Accessibility to the Meeting Pursuant to 5 U.S.C. 552b, and 41 CFR 102–3.140 through 102–3.165 and subject to availability of space, this meeting is open to the public. Seating is limited and is on a first-come basis. All members of the public who wish to attend the public meeting must contact Ms. Kendal Brown at the number listed in the section FOR FURTHER INFORMATION CONTACT no later than 12:00 p.m. on Monday, August 1, 2016 to register. Additional details will be provided to all registrants. Special Accommodations Individuals requiring special accommodations to access the public meeting should contact Ms. Kendal Brown at least five (5) business days prior to the meeting so that appropriate arrangements can be made. Written Statements Any member of the public wishing to provide comments to the DHB may do so in accordance with section 10(a)(3) of the Federal Advisory Committee Act, 41 CFR 102–3.105(j) and 102–3.140, and the procedures described in this notice. Individuals desiring to provide comments to the DHB may do so by submitting a written statement to the DHB Designated Federal Officer (DFO) (see FOR FURTHER INFORMATION CONTACT). Written statements should not be longer than two type-written pages and address the following details: The issue, discussion, and a recommended course of action. Supporting documentation may also be included, as needed, to establish the appropriate historical PO 00000 Frm 00045 Fmt 4703 Sfmt 4703 context and to provide any necessary background information. If the written statement is not received at least five (5) business days prior to the meeting, the DFO may choose to postpone consideration of the statement until the next open meeting. The DFO will review all timely submissions with the DHB President and ensure they are provided to members of the DHB before the meeting that is subject to this notice. After reviewing the written comments, the President and the DFO may choose to invite the submitter to orally present their issue during an open portion of this meeting or at a future meeting. The DFO, in consultation with the DHB President, may allot time for members of the public to present their issues for review and discussion by the Defense Health Board. Dated: July 19, 2016. Aaron Siegel, Alternate OSD Federal Register Liaison Officer, Department of Defense. [FR Doc. 2016–17349 Filed 7–21–16; 8:45 am] BILLING CODE 5001–06–P DEPARTMENT OF DEFENSE Office of the Secretary [Docket ID DOD–2015–OS–0048] Submission for OMB Review; Comment Request ACTION: Notice. The Department of Defense has submitted to OMB for clearance, the following proposal for collection of information under the provisions of the Paperwork Reduction Act. DATES: Consideration will be given to all comments received by August 22, 2016. FOR FURTHER INFORMATION CONTACT: Fred Licari, 571–372–0493. SUPPLEMENTARY INFORMATION: Title, Associated Form and OMB Number: ‘‘Department of Defense Security Agreement,’’ ‘‘Appendage to Department of Defense Security Agreement,’’ ‘‘Certificate Pertaining to Foreign Interests;’’ DD Forms 441, 441– 1 and SF 328; OMB Control Number 0704–0194. Type of Request: Reinstatement, with change, of a previously approved collection for which approval has expired. Number of Respondents: 6,851. Responses per Respondent: 1. Annual Responses: 6,851. Average Burden per Response: 1.5 hours. Annual Burden Hours: 4171.3 hours. SUMMARY: E:\FR\FM\22JYN1.SGM 22JYN1

Agencies

[Federal Register Volume 81, Number 141 (Friday, July 22, 2016)]
[Notices]
[Pages 47789-47790]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2016-17349]


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DEPARTMENT OF DEFENSE

Office of the Secretary


Defense Health Board; Notice of Federal Advisory Committee 
Meeting

AGENCY: Department of Defense (DoD).

ACTION: Notice of Federal Advisory Committee meeting.

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

[[Page 47790]]

SUMMARY: The Department of Defense is publishing this notice to 
announce that the following Federal Advisory Committee meeting of the 
Defense Health Board will take place.

DATES: 

Tuesday, August 9, 2016

9:00 a.m.-11:30 a.m. (Open Session)
11:30 a.m.-12:30 p.m. (Administrative Session)
12:30 p.m.-5:00 p.m. (Open Session)

ADDRESSES: The St. Anthony, San Antonio--Peraux Room, 300 East Travis 
Street, San Antonio, TX 78205 (Pre-meeting registration required; see 
guidance in SUPPLEMENTARY INFORMATION, ``Public's Accessibility to the 
Meeting'').

FOR FURTHER INFORMATION CONTACT: The Executive Director of the Defense 
Health Board is Ms. Christine Bader, 7700 Arlington Boulevard, Suite 
5101, Falls Church, Virginia 22042, (703) 681-6653, Fax: (703) 681-
9539, christine.e.bader.civ@mail.mil. For meeting information, please 
contact Ms. Kendal Brown, 7700 Arlington Boulevard, Suite 5101, Falls 
Church, Virginia 22042, kendal.l.brown2.ctr@mail.mil, (703) 681-6670, 
Fax: (703) 681-9539.

SUPPLEMENTARY INFORMATION: This meeting is being held under the 
provisions of the Federal Advisory Committee Act 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. Additional information, 
including the agenda and electronic registration, is available at the 
DHB Web site, https://www.health.mil/About-MHS/Other-MHS-Organizations/Defense-Health-Board/Meetings.

Purpose of the Meeting

    The purpose of the meeting is to provide progress updates on 
specific taskings before the DHB. In addition, the DHB will receive 
information briefings on current issues or lessons learned related to 
military medicine, health policy, health research, disease/injury 
prevention, health promotion, and health care delivery.

Agenda

    Pursuant to 5 U.S.C. 552b and 41 CFR 102-3.140 through 102-3.165 
and subject to availability of space, the DHB meeting is open to the 
public from 9:00 a.m. to 11:30 a.m. and 12:30 p.m. to 5:00 p.m. on 
August 9, 2016. The DHB anticipates receiving progress updates from the 
Health Care Delivery Subcommittee on the pediatric clinical preventive 
services tasking, Public Health Subcommittee on its review of improving 
Defense Health Program medical research processes, and a subset of the 
Board on the Deployment Health Centers review. In addition, the DHB 
anticipates receiving information briefings on the Military Health 
System Population Health Portal; the Army Medical Home; a review of 
recommendations from the 2014 DHB report Combat Trauma Lessons Learned 
from Military Operations of 2001-2013; an update on progress in the 
evolution of the Joint Trauma System; a review of the recent National 
Academies of Sciences, Engineering, and Medicine report on A National 
Trauma Care System: Integrating Military and Civilian Trauma Systems to 
Achieve Zero Preventable Deaths After Injury; and advances in 
genitourinary reconstruction following combat trauma. Any changes to 
the agenda can be found at the link provided in this SUPPLEMENTARY 
INFORMATION section.

Public's Accessibility to the Meeting

    Pursuant to 5 U.S.C. 552b, and 41 CFR 102-3.140 through 102-3.165 
and subject to availability of space, this meeting is open to the 
public. Seating is limited and is on a first-come basis. All members of 
the public who wish to attend the public meeting must contact Ms. 
Kendal Brown at the number listed in the section FOR FURTHER 
INFORMATION CONTACT no later than 12:00 p.m. on Monday, August 1, 2016 
to register. Additional details will be provided to all registrants.

Special Accommodations

    Individuals requiring special accommodations to access the public 
meeting should contact Ms. Kendal Brown at least five (5) business days 
prior to the meeting so that appropriate arrangements can be made.

Written Statements

    Any member of the public wishing to provide comments to the DHB may 
do so in accordance with section 10(a)(3) of the Federal Advisory 
Committee Act, 41 CFR 102-3.105(j) and 102-3.140, and the procedures 
described in this notice.
    Individuals desiring to provide comments to the DHB may do so by 
submitting a written statement to the DHB Designated Federal Officer 
(DFO) (see FOR FURTHER INFORMATION CONTACT). Written statements should 
not be longer than two type-written pages and address the following 
details: The issue, discussion, and a recommended course of action. 
Supporting documentation may also be included, as needed, to establish 
the appropriate historical context and to provide any necessary 
background information.
    If the written statement is not received at least five (5) business 
days prior to the meeting, the DFO may choose to postpone consideration 
of the statement until the next open meeting.
    The DFO will review all timely submissions with the DHB President 
and ensure they are provided to members of the DHB before the meeting 
that is subject to this notice. After reviewing the written comments, 
the President and the DFO may choose to invite the submitter to orally 
present their issue during an open portion of this meeting or at a 
future meeting. The DFO, in consultation with the DHB President, may 
allot time for members of the public to present their issues for review 
and discussion by the Defense Health Board.

     Dated: July 19, 2016.
Aaron Siegel,
Alternate OSD Federal Register Liaison Officer, Department of Defense.
[FR Doc. 2016-17349 Filed 7-21-16; 8:45 am]
 BILLING CODE 5001-06-P
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