Environmental Management Site-Specific Advisory Board, Oak Ridge Reservation, 35938-35939 [2017-16236]
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Federal Register / Vol. 82, No. 147 / Wednesday, August 2, 2017 / Notices
authorized by the agreement creating
the debt or permitted by law.11
Supervision has found that one or
more mortgage servicers that met the
definition of ‘‘debt collector’’ under the
FDCPA violated the Act when they
charged fees for taking mortgage
payments over the phone to borrowers
whose mortgage instruments did not
expressly authorize collecting such fees
and who reside in states where
applicable law does not expressly
permit collecting such fees. Supervision
directed one or more servicers to review
mortgage notes and applicable state law,
and to only collect pay-by-phone fees
where expressly authorized by contract
or state law.12
sradovich on DSKBCFCHB2PROD with NOTICES
The Bureau’s Expectations
The Bureau expects entities to review
their practices on charging phone pay
fees for potential risks of committing
UDAAPs or violating the FDCPA. While
the Bureau does not mandate any
particular method for informing
consumers about the available phone
pay options and fees, entities should
consider the following suggestions in
assessing whether their practices may
present a risk of constituting a UDAAP
or FDCPA violation:
• Review applicable State and
Federal laws, including the FDCPA, to
confirm whether entities are permitted
to charge phone pay fees.
• Review underlying debt agreements
to determine whether such fees are
authorized by the contract.
• Review internal and service
providers’ policies and procedures on
phone pay fees, including call scripts
and employee training materials, and
revise policies and procedures to
address any concerns identified during
the review, as appropriate.13
• Review whether information on
phone pay fees is shared in account
disclosures, loan agreements, periodic
statements, payment coupon books, on
the company’s Web site, over the phone,
or through other mechanisms.
• Incorporate pay-by-phone issues in
regular monitoring or audits of calls
with consumers.
• Review consumer complaints
regarding phone pay fees.
• Perform regular reviews of service
providers as to their pertinent
practices.14
11 15
U.S.C. 1692f(1).
Supervisory Highlights, Fall 2015 edition at
pp. 20–21.
13 Entities should refer to CFPB Compliance
Bulletin and Policy Guidance; 2016–02, Service
Providers (Oct. 31, 2016), available at https://
www.consumerfinance.gov/documents/1385/
102016_cfpb_OfficialGuidanceServiceProvider
Bulletin.pdf.
14 Id.
12 See
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• Review that the entity has a
corrective action program to address any
violations identified and to reimburse
consumers when appropriate.
Entities should also consider
reviewing employee and service
provider production incentive programs
to see if there are incentives to steer
borrowers to certain payment types or to
avoid disclosures. As discussed in more
detail in CFPB Compliance Bulletin
2016–03,15 the Bureau acknowledges
that production incentives have been
common across many economic sectors
and can affect a wide range of outcomes
for employees or service providers, from
their compensation levels to whether
they will continue to be employed or
retained at all. The Bureau has also
highlighted the risks posed to
consumers by production incentive
programs, especially when they create
an unrealistic culture of high-pressure
targets or when the activities of
employees or service providers are not
adequately monitored for compliance
with the law.
In the context of phone pay fees,
production incentives may enhance the
potential risk of entities engaging in
UDAAPs. Production incentives that
reward employees or service providers
based on consumers using a higher-cost
phone pay option may potentially lead
entities to steer consumers to a highercost option despite the availability of
lower-cost alternatives. Similarly,
incentive programs that reward
representatives who complete a large
number of daily calls may potentially
cause these representatives to spend less
time discussing the available phone pay
options and fees resulting in the
consumer paying a higher fee because
the consumer is not informed of the
lower-cost alternatives. Entities should
review these programs accordingly.
The Bureau will continue to review
closely the practices of entities assessing
phone pay fees for potential UDAAPs
and FDCPA violations, including the
practices described above. The Bureau
will use all appropriate tools to assess
whether supervisory, enforcement, or
other actions may be necessary.
[2]. Regulatory Requirements
This Compliance Bulletin is a nonbinding general statement of policy
articulating considerations relevant to
the Bureau’s exercise of its supervisory
and enforcement authority. It is
therefore exempt from notice and
comment rulemaking requirements
15 See CFPB Bulletin 2016–03, Detecting and
Preventing Consumer Harm from Production
Incentives (Nov. 28, 2016), available at https://
www.consumerfinance.gov/documents/1537/
201611_cfpb_Production_Incentives_Bulletin.pdf.
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under the Administrative Procedure Act
pursuant to 5 U.S.C. 553(b). Because no
notice of proposed rulemaking is
required, the Regulatory Flexibility Act
does not require an initial or final
regulatory flexibility analysis. 5 U.S.C.
603(a), 604(a). The Bureau has
determined that this Compliance
Bulletin does not impose any new or
revise any existing recordkeeping,
reporting, or disclosure requirements on
covered entities or members of the
public that would be collections of
information requiring OMB approval
under the Paperwork Reduction Act, 44
U.S.C. 3501 et seq.
Dated: July 25, 2017.
Richard Cordray,
Director, Bureau of Consumer Financial
Protection.
[FR Doc. 2017–16188 Filed 8–1–17; 8:45 am]
BILLING CODE 4810–AM–P
DEPARTMENT OF ENERGY
Environmental Management SiteSpecific Advisory Board, Oak Ridge
Reservation
Department of Energy.
Notice of open meeting.
AGENCY:
ACTION:
This notice announces a
meeting of the Environmental
Management Site-Specific Advisory
Board (EM SSAB), Oak Ridge
Reservation. The Federal Advisory
Committee Act requires that public
notice of this meeting be announced in
the Federal Register.
DATES: Saturday, August 19, 2017, 9:00
a.m. to 2:30 p.m.
ADDRESSES: Tremont Lodge, 7726 East
Lamar Alexander Parkway, Townsend,
Tennessee 37882.
FOR FURTHER INFORMATION CONTACT:
Melyssa P. Noe, Alternate Deputy
Designated Federal Officer, U.S.
Department of Energy, Oak Ridge Office
of Environmental Management, P.O.
Box 2001, EM–942, Oak Ridge, TN
37831. Phone (865) 241–3315; Fax (865)
241–6932; Email: Melyssa.Noe@
orem.doe.gov. Or visit the Web site at
https://energy.gov/orem/services/
community-engagement/oak-ridge-sitespecific-advisory-board.
SUPPLEMENTARY INFORMATION:
Purpose of the Board: The purpose of
the Board is to make recommendations
to DOE–EM and site management in the
areas of environmental restoration,
waste management, and related
activities.
Tentative Agenda:
• Welcome, Opening Remarks and
Introductions
SUMMARY:
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sradovich on DSKBCFCHB2PROD with NOTICES
Federal Register / Vol. 82, No. 147 / Wednesday, August 2, 2017 / Notices
• Comments from the Deputy
Designated Federal Officer (DDFO)
• Board Mission and Accomplishments
• Board Operations
• Results of Member Survey
• Break
• Work Plan Topics
• Process
• Presentations by DOE,
Environmental Protection Agency
and Tennessee Department of
Environment and Conservation
Liaisons
• Suggestions from Board Members
• Plan for Issue Group Sign-up
• Summary of Morning Discussions
• Board Business
• Presentation of Candidates for
Fiscal Year 2018 Officers
• Recommendations on the Fiscal
Year 2019 Oak Ridge EM Budget
Priorities
• Public Comment Period
• Remarks by Board Chair and Alternate
DDFO
• Lunch Break
• Follow-on Discussion
• Adjourn
Public Participation: The EM SSAB,
Oak Ridge, welcomes the attendance of
the public at its advisory committee
meetings and will make every effort to
accommodate persons with physical
disabilities or special needs. If you
require special accommodations due to
a disability, please contact Melyssa P.
Noe at least seven days in advance of
the meeting at the phone number listed
above. Written statements may be filed
with the Board either before or after the
meeting. Individuals who wish to make
oral statements pertaining to the agenda
item should contact Melyssa P. Noe at
the address or telephone number listed
above. Requests must be received five
days prior to the meeting and reasonable
provision will be made to include the
presentation in the agenda. The Deputy
Designated Federal Officer is
empowered to conduct the meeting in a
fashion that will facilitate the orderly
conduct of business. Individuals
wishing to make public comments will
be provided a maximum of five minutes
to present their comments.
Minutes: Minutes will be available by
writing or calling Melyssa P. Noe at the
address and phone number listed above.
Minutes will also be available at the
following Web site: https://energy.gov/
orem/listings/oak-ridge-site-specificadvisory-board-meetings.
Issued at Washington, DC, on July 27,
2017.
LaTanya R. Butler,
Deputy Committee Management Officer.
[FR Doc. 2017–16236 Filed 8–1–17; 8:45 am]
BILLING CODE 6450–01–P
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DEPARTMENT OF ENERGY
Environmental Management SiteSpecific Advisory Board, Paducah
Department of Energy (DOE).
Notice of open meeting.
AGENCY:
ACTION:
This notice announces a
meeting of the Environmental
Management Site-Specific Advisory
Board (EM SSAB), Paducah. The
Federal Advisory Committee requires
that public notice of this meeting be
announced in the Federal Register.
DATES: Thursday, August 17, 2017, 6:00
p.m.
ADDRESSES: Barkley Centre, 111
Memorial Drive, Paducah, Kentucky
42001.
SUMMARY:
FOR FURTHER INFORMATION CONTACT:
Jennifer Woodard, Deputy Designated
Federal Officer, Department of Energy
Paducah Site Office, Post Office Box
1410, MS–103, Paducah, Kentucky
42001, (270) 441–6825.
SUPPLEMENTARY INFORMATION:
Purpose of the Board: The purpose of
the Board is to make recommendations
to DOE–EM and site management in the
areas of environmental restoration,
waste management and related
activities.
Tentative Agenda:
• Call to Order, Introductions, Review
of Agenda
• Administrative Issues
• Public Comments (15 minutes)
• Adjourn
Breaks Taken As Appropriate
Public Participation: The EM SSAB,
Paducah, welcomes the attendance of
the public at its advisory committee
meetings and will make every effort to
accommodate persons with physical
disabilities or special needs. If you
require special accommodations due to
a disability, please contact Jennifer
Woodard as soon as possible in advance
of the meeting at the telephone number
listed above. Written statements may be
filed with the Board either before or
after the meeting. Individuals who wish
to make oral statements pertaining to
agenda items should contact Jennifer
Woodard at the telephone number listed
above. Requests must be received as
soon as possible prior to the meeting
and reasonable provision will be made
to include the presentation in the
agenda. The Deputy Designated Federal
Officer is empowered to conduct the
meeting in a fashion that will facilitate
the orderly conduct of business.
Individuals wishing to make public
comments will be provided a maximum
of five minutes to present their
comments. The EM SSAB, Paducah,
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35939
will hear public comments pertaining to
its scope (clean-up standards and
environmental restoration; waste
management and disposition;
stabilization and disposition of nonstockpile nuclear materials; excess
facilities; future land use and long-term
stewardship; risk assessment and
management; and clean-up science and
technology activities). Comments
outside of the scope may be submitted
via written statement as directed above.
Minutes: Minutes will be available by
writing or calling Jennifer Woodard at
the address and phone number listed
above. Minutes will also be available at
the following Web site: https://
www.pgdpcab.energy.gov/2017_
meetings.htm.
Issued at Washington, DC on July 27, 2017.
LaTanya R. Butler,
Deputy Committee Management Officer.
[FR Doc. 2017–16235 Filed 8–1–17; 8:45 am]
BILLING CODE 6450–01–P
DEPARTMENT OF ENERGY
Biomass Research and Development
Technical Advisory Committee
Energy Efficiency and
Renewable Energy, Department of
Energy.
ACTION: Notice of open meeting.
AGENCY:
This notice announces an
open meeting of the Biomass Research
and Development Technical Advisory
Committee. The Federal Advisory
Committee requires that agencies
publish these notices in the Federal
Register to allow for public
participation.
DATES: August 15, 2017, 1:00 p.m.–5:30
p.m., August 16, 2017, 8:30 a.m.–5:30
p.m.
ADDRESSES: Los Angeles Airport
Marriott, 5855 West Century Blvd., Los
Angeles, CA 90045.
FOR FURTHER INFORMATION CONTACT:
Dr. Mark Elless, Designated Federal
Officer for the Committee, Office of
Energy Efficiency and Renewable
Energy, U.S. Department of Energy,
1000 Independence Avenue SW.,
Washington, DC 20585; Email:
Mark.Elless@ee.doe.gov and Roy Tiley at
(410) 997–7778 ext. 220; Email: rtiley@
bcs-hq.com.
SUPPLEMENTARY INFORMATION:
Purpose of Meeting: To develop
advice and guidance that promotes
research and development leading to the
production of biobased fuels and
biobased products.
Tentative Agenda: Agenda will
include the following:
SUMMARY:
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Agencies
[Federal Register Volume 82, Number 147 (Wednesday, August 2, 2017)]
[Notices]
[Pages 35938-35939]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2017-16236]
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DEPARTMENT OF ENERGY
Environmental Management Site-Specific Advisory Board, Oak Ridge
Reservation
AGENCY: Department of Energy.
ACTION: Notice of open meeting.
-----------------------------------------------------------------------
SUMMARY: This notice announces a meeting of the Environmental
Management Site-Specific Advisory Board (EM SSAB), Oak Ridge
Reservation. The Federal Advisory Committee Act requires that public
notice of this meeting be announced in the Federal Register.
DATES: Saturday, August 19, 2017, 9:00 a.m. to 2:30 p.m.
ADDRESSES: Tremont Lodge, 7726 East Lamar Alexander Parkway, Townsend,
Tennessee 37882.
FOR FURTHER INFORMATION CONTACT: Melyssa P. Noe, Alternate Deputy
Designated Federal Officer, U.S. Department of Energy, Oak Ridge Office
of Environmental Management, P.O. Box 2001, EM-942, Oak Ridge, TN
37831. Phone (865) 241-3315; Fax (865) 241-6932; Email:
Melyssa.Noe@orem.doe.gov. Or visit the Web site at https://energy.gov/orem/services/community-engagement/oak-ridge-site-specific-advisory-board.
SUPPLEMENTARY INFORMATION:
Purpose of the Board: The purpose of the Board is to make
recommendations to DOE-EM and site management in the areas of
environmental restoration, waste management, and related activities.
Tentative Agenda:
Welcome, Opening Remarks and Introductions
[[Page 35939]]
Comments from the Deputy Designated Federal Officer (DDFO)
Board Mission and Accomplishments
Board Operations
Results of Member Survey
Break
Work Plan Topics
Process
Presentations by DOE, Environmental Protection Agency and
Tennessee Department of Environment and Conservation Liaisons
Suggestions from Board Members
Plan for Issue Group Sign-up
Summary of Morning Discussions
Board Business
Presentation of Candidates for Fiscal Year 2018 Officers
Recommendations on the Fiscal Year 2019 Oak Ridge EM
Budget Priorities
Public Comment Period
Remarks by Board Chair and Alternate DDFO
Lunch Break
Follow-on Discussion
Adjourn
Public Participation: The EM SSAB, Oak Ridge, welcomes the
attendance of the public at its advisory committee meetings and will
make every effort to accommodate persons with physical disabilities or
special needs. If you require special accommodations due to a
disability, please contact Melyssa P. Noe at least seven days in
advance of the meeting at the phone number listed above. Written
statements may be filed with the Board either before or after the
meeting. Individuals who wish to make oral statements pertaining to the
agenda item should contact Melyssa P. Noe at the address or telephone
number listed above. Requests must be received five days prior to the
meeting and reasonable provision will be made to include the
presentation in the agenda. The Deputy Designated Federal Officer is
empowered to conduct the meeting in a fashion that will facilitate the
orderly conduct of business. Individuals wishing to make public
comments will be provided a maximum of five minutes to present their
comments.
Minutes: Minutes will be available by writing or calling Melyssa P.
Noe at the address and phone number listed above. Minutes will also be
available at the following Web site: https://energy.gov/orem/listings/oak-ridge-site-specific-advisory-board-meetings.
Issued at Washington, DC, on July 27, 2017.
LaTanya R. Butler,
Deputy Committee Management Officer.
[FR Doc. 2017-16236 Filed 8-1-17; 8:45 am]
BILLING CODE 6450-01-P