Agency Information Collection Activities: Proposed Revision of Information Collection; National Survey of Unbanked and Underbanked Households; Comment Request (3064-0167), 55532-55533 [2018-24228]
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Federal Register / Vol. 83, No. 215 / Tuesday, November 6, 2018 / Notices
available any relevant documentation.
47 CFR 64.604(c)(5)(iii)(D)(1), (6).
OMB Control Number: 3060–1215.
Title: Use of Spectrum Bands Above
24 GHz for Mobile Radio Services.
Form Number: N/A.
Type of Review: Revision of an
existing collection.
Respondents: Business or other forprofit, not-for-profit institutions, and
state, local and tribal government.
Number of Respondents: 280
respondents; 280 responses.
Estimated Time per Response: .5–10
hours.
Frequency of Response: On occasion
reporting requirement; third party
disclosure requirement; upon
commencement of service, or within 3
years of effective date of rules; and at
end of license term, or 2024 for
incumbent licensees.
Obligation to Respond: Statutory
authority for this collection are
contained in sections 1, 2, 3, 4, 5, 7, 10,
201, 225, 227, 301, 302, 302a, 303, 304,
307, 309, 310, 316, 319, 332, and 336 of
the Communications Act of 1934, 47
U.S.C. 151, 152, 153, 154, 155, 157, 160,
201, 225, 227, 301, 302, 302a, 303, 304,
307, 309, 310, 316, 319, 332, 336,
Section 706 of the Telecommunications
Act of 1996, as amended, 47 U.S.C.
1302.
Total Annual Burden: 615 hours.
Total Annual Cost: $450,000.
Privacy Act Impact Assessment: No
impact(s).
Nature and Extent of Confidentiality:
There is no need for confidentiality with
this collection of information.
Needs and Uses: In this collection, the
Commission adopted new licensing,
service, and technical rules under Part
30 of the Commission’s Rules for the
24.25–24.45 GHz and 24.75–25.25 GHz
bands (collectively, 24 GHz band), the
27.5–28.35 GHz band (28 GHz band),
the 38.6–40 GHz band (39 GHz band),
the 37–38.6 GHz band (37 GHz band),
the 47.2–48.2 GHz band (47 GHz band).
Therefore, the Commission expanded
the scope of the rules to include
additional bands. In turn, since the rules
now apply in additional bands, the
number of respondents, the annual
number of responses, annual burden
hours and annual costs will increase for
this collection. The Commission also
authorizes unlicensed use in the 64–71
GHz band under Part 15. In so doing,
the Commission created a consistent
framework across all of the bands that
can serve as a template for additional
bands in the future.
The rules adopted by the
Commission, in FCC 17–152 and FCC
18–73 revise the previously approved
information collection relating to
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Jkt 247001
Section 25.136 of the Commission’s
Rules. The Commission added the 24
GHz band and the 47 GHz band (47.2–
48.2 GHz) to the bands that are subject
to the framework for sharing between
the Upper Microwave Flexible Use
Service (UMFUS) and the FixedSatellite Service (FSS) established in
that rule. In addition, the Commission
modified the sharing criteria between
UMFUS and FSS to facilitate
deployment of FSS earth stations in
smaller markets and decrease the
possibility of conflicts between UMFUS
and FSS.
Section 25.136—This rule contains
both a third-party coordination
requirement and a filing requirement.
Both requirements are necessary to
ensure that Fixed Satellite Service earth
stations can receive interference
protection without having an undue
impact on terrestrial deployment.
Federal Communications Commission.
Marlene Dortch,
Secretary, Office of the Secretary.
[FR Doc. 2018–24183 Filed 11–5–18; 8:45 am]
BILLING CODE 6712–01–P
FEDERAL DEPOSIT INSURANCE
CORPORATION
Agency Information Collection
Activities: Proposed Revision of
Information Collection; National
Survey of Unbanked and Underbanked
Households; Comment Request (3064–
0167)
Federal Deposit Insurance
Corporation (FDIC).
ACTION: Notice and request for comment.
AGENCY:
The FDIC, as part of its
obligations under the Paperwork
Reduction Act of 1995 (PRA), invites the
general public and other Federal
agencies to take this opportunity to
comment on the survey collection
instrument for its sixth National Survey
of Unbanked and Underbanked
Households (Household Survey),
currently approved under OMB Control
No. 3064–0167, scheduled to be
conducted in partnership with the U.S.
Census Bureau as a supplement to its
June 2019 Current Population Survey
(CPS). The survey seeks to measure and
track economic inclusion among U.S.
households, and to identify the factors
that inhibit the participation of these
households in the mainstream banking
system and opportunities to expand the
use of banking services among
underserved consumers. The results of
these ongoing surveys will help
policymakers and bankers understand
SUMMARY:
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Fmt 4703
Sfmt 4703
the issues and challenges underserved
households perceive when deciding
how and where to conduct financial
transactions.
DATES: Comments must be submitted on
or before January 7, 2019.
ADDRESSES: Interested parties are
invited to submit written comments to
the FDIC by any of the following
methods:
• https://www.FDIC.gov/regulations/
laws/federal/notices.html.
• Email: comments@fdic.gov. Include
the name and number of the collection
in the subject line of the message.
• Mail: Manny Cabeza (202–898–
3767), Counsel, MB–3007, Federal
Deposit Insurance Corporation, 550 17th
Street NW, Washington, DC 20429.
• Hand Delivery: Comments may be
hand-delivered to the guard station at
the rear of the 17th Street NW, building
(located on F Street), on business days
between 7:00 a.m. and 5:00 p.m.
All comments should refer to OMB
control number 3064–0167. A copy of
the comments may also be submitted to
the OMB desk officer for the FDIC:
Office of Information and Regulatory
Affairs, Office of Management and
Budget, New Executive Office Building,
Washington, DC 20503.
FOR FURTHER INFORMATION CONTACT:
Manny Cabeza, Counsel, (202) 898–
3767, mcabeza@fdic.gov, MB–3007,
Federal Deposit Insurance Corporation,
550 17th Street NW, Washington, DC
20429.
SUPPLEMENTARY INFORMATION: The FDIC
is considering possible revisions to the
following collection of information:
Title: National Survey of Unbanked
and Underbanked Households.
OMB Number: 3064–0167.
Frequency of Response: Once.
Affected Public: U.S. Households.
Estimated Number of Respondents:
40,000.
Average time per response: 9 minutes
(0.15 hours) per respondent.
Estimated Total Annual Burden: 0.15
hours × 40,000 respondents = 6,000
hours.
General Description of Collection: The
FDIC recognizes that public confidence
in the banking system is strengthened
when banks effectively serve the
broadest possible set of consumers. As
a result, the agency is committed to
increasing economic inclusion in the
financial mainstream by ensuring that
all Americans have access to safe,
secure, and affordable banking services.
The National Survey of Unbanked and
Underbanked Households is one
contribution to this end.
The National Survey of Unbanked and
Underbanked Households is also a key
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khammond on DSK30JT082PROD with NOTICES
Federal Register / Vol. 83, No. 215 / Tuesday, November 6, 2018 / Notices
component of the FDIC’s efforts to
comply with a Congressional mandate
contained in section 7 of the Federal
Deposit Insurance Reform Conforming
Amendments Act of 2005 (‘‘Reform
Act’’) (Pub. L. 109–173), which calls for
the FDIC to conduct ongoing surveys
‘‘on efforts by insured depository
institutions to bring those individuals
and families who have rarely, if ever,
held a checking account, a savings
account or other type of transaction or
check cashing account at an insured
depository institution (hereafter in this
section referred to as the ‘unbanked’)
into the conventional finance system.’’
Section 7 further instructs the FDIC to
consider several factors in its conduct of
the surveys, including: (1) ‘‘What
cultural, language and identification
issues as well as transaction costs
appear to most prevent ‘unbanked’
individuals from establishing
conventional accounts’’; and (2) ‘‘what
is a fair estimate of the size and worth
of the ‘‘unbanked’’ market in the United
States.’’ The National Survey of
Unbanked and Underbanked
Households is designed to address these
factors and provide a factual basis on
the proportions of unbanked
households. Such a factual basis is
necessary to adequately assess banks’
efforts to serve these households as
required by the statutory mandate. The
National Survey of Unbanked and
Underbanked Households is the only
population-representative survey
conducted at the national level that
provides state-level estimates of the size
and characteristics of unbanked and
underbanked households for all 50
states and the District of Columbia.
The FDIC supplement collects
nationally-representative data, not
otherwise available, to measure and
track economic inclusion, and assess the
accessibility and sustainability of
banking relationships. The survey
identifies different banking status
groups, including unbanked and
underbanked consumers. In identifying
underbanked consumers, the FDIC
considers households that have bank
accounts but also substantially rely on
nonbank financial services to meet basic
financial needs such as receiving
income, paying bills, saving and storing
money, and accessing basic consumer
credit. There is an emphasis on services
that are disproportionately relied on by
the unbanked, and are provided by a
company or firm, as opposed to those
accessed informally through
individuals. The survey captures the use
of a range of bank and nonbank
products, and other data to help assess
the reasons why some households do
VerDate Sep<11>2014
17:05 Nov 05, 2018
Jkt 247001
not make greater use of mainstream
banking services.
To obtain this information, the FDIC
partners with the U.S. Census Bureau,
which administers the Household
Survey supplement (‘‘FDIC
Supplement’) to households that
participate in the CPS. The supplement
has been administered every other year
since January 2009. The previous survey
questionnaires and survey results can be
accessed through the following link:
https://www.economicinclusion.gov/
surveys/.
Consistent with the statutory mandate
to conduct the surveys on an ongoing
basis, the FDIC already has in place
arrangements for conducting the sixth
Household Survey as a supplement to
the June 2019 CPS.
However, prior to finalizing the next
survey questionnaire, the FDIC seeks to
solicit public comment on whether
changes to the existing instrument are
desirable and, if so, to what extent. It
should be noted that, as a supplement
of the CPS survey, the Household
Survey needs to adhere to specific
parameters that include limits in the
length and sensitivity of the questions
that can be asked of CPS respondents.
Interested members of the public may
obtain a copy of the proposed survey
questionnaire on the following web
page: https://www.fdic.gov/regulations/
laws/federal/2018/2019-drafthousehold-survey-questionnaire.pdf
Request for Comment
Comments are invited on: (a) Whether
the collection of information is
necessary for the proper performance of
the FDIC’s functions, including whether
the information has practical utility; (b)
the accuracy of the estimates of the
burden of the information collections,
including the validity of the
methodology and 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. All comments will become
a matter of public record.
Dated at Washington, DC, on November 1,
2018.
Federal Deposit Insurance Corporation.
Robert E. Feldman,
Executive Secretary.
[FR Doc. 2018–24228 Filed 11–5–18; 8:45 am]
BILLING CODE 6714–01–P
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55533
FEDERAL TRADE COMMISSION
[File No. 171 0068]
Linde AG and Praxair, Inc.; Analysis To
Aid Public Comment
Federal Trade Commission.
Proposed Consent Agreement.
AGENCY:
ACTION:
The consent agreement in this
matter settles alleged violations of
federal law prohibiting unfair methods
of competition. The attached Analysis to
Aid Public Comment describes both the
allegations in the complaint and the
terms of the consent orders—embodied
in the consent agreement—that would
settle these allegations.
DATES: Comments must be received on
or before November 21, 2018.
ADDRESSES: Interested parties may file a
comment online or on paper, by
following the instructions in the
Request for Comment part of the
SUPPLEMENTARY INFORMATION section
below. Write: ‘‘Linde AG and Praxair,
Inc.; File No. 1710068’’ on your
comment, and file your comment online
at https://ftcpublic.commentworks.com/
ftc/praxairlindedivest/ by following the
instructions on the web-based form. If
you prefer to file your comment on
paper, write ‘‘Linde AG and Praxair,
Inc.; File No. 1710068’’ on your
comment and on the envelope, and mail
your comment to the following address:
Federal Trade Commission, Office of the
Secretary, 600 Pennsylvania Avenue
NW, Suite CC–5610 (Annex D),
Washington, DC 20580, or deliver your
comment to the following address:
Federal Trade Commission, Office of the
Secretary, Constitution Center, 400 7th
Street SW, 5th Floor, Suite 5610 (Annex
D), Washington, DC 20024.
FOR FURTHER INFORMATION CONTACT:
Jordan S. Andrew (202–326–3678),
Bureau of Competition, 600
Pennsylvania Avenue NW, Washington,
DC 20580.
SUPPLEMENTARY INFORMATION: Pursuant
to Section 6(f) of the Federal Trade
Commission Act, 15 U.S.C. 46(f), and
FTC Rule 2.34, 16 CFR 2.34, notice is
hereby given that the above-captioned
consent agreement containing a consent
order to cease and desist, having been
filed with and accepted, subject to final
approval, by the Commission, has been
placed on the public record for a period
of thirty (30) days. The following
Analysis to Aid Public Comment
describes the terms of the consent
agreement, and the allegations in the
complaint. An electronic copy of the
full text of the consent agreement
package can be obtained from the FTC
Home Page (for October 22, 2018), on
SUMMARY:
E:\FR\FM\06NON1.SGM
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]]>Agencies
[Federal Register Volume 83, Number 215 (Tuesday, November 6, 2018)]
[Notices]
[Pages 55532-55533]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2018-24228]
=======================================================================
-----------------------------------------------------------------------
FEDERAL DEPOSIT INSURANCE CORPORATION
Agency Information Collection Activities: Proposed Revision of
Information Collection; National Survey of Unbanked and Underbanked
Households; Comment Request (3064-0167)
AGENCY: Federal Deposit Insurance Corporation (FDIC).
ACTION: Notice and request for comment.
-----------------------------------------------------------------------
SUMMARY: The FDIC, as part of its obligations under the Paperwork
Reduction Act of 1995 (PRA), invites the general public and other
Federal agencies to take this opportunity to comment on the survey
collection instrument for its sixth National Survey of Unbanked and
Underbanked Households (Household Survey), currently approved under OMB
Control No. 3064-0167, scheduled to be conducted in partnership with
the U.S. Census Bureau as a supplement to its June 2019 Current
Population Survey (CPS). The survey seeks to measure and track economic
inclusion among U.S. households, and to identify the factors that
inhibit the participation of these households in the mainstream banking
system and opportunities to expand the use of banking services among
underserved consumers. The results of these ongoing surveys will help
policymakers and bankers understand the issues and challenges
underserved households perceive when deciding how and where to conduct
financial transactions.
DATES: Comments must be submitted on or before January 7, 2019.
ADDRESSES: Interested parties are invited to submit written comments to
the FDIC by any of the following methods:
https://www.FDIC.gov/regulations/laws/federal/notices.html.
Email: [email protected]. Include the name and number of
the collection in the subject line of the message.
Mail: Manny Cabeza (202-898-3767), Counsel, MB-3007,
Federal Deposit Insurance Corporation, 550 17th Street NW, Washington,
DC 20429.
Hand Delivery: Comments may be hand-delivered to the guard
station at the rear of the 17th Street NW, building (located on F
Street), on business days between 7:00 a.m. and 5:00 p.m.
All comments should refer to OMB control number 3064-0167. A copy
of the comments may also be submitted to the OMB desk officer for the
FDIC: Office of Information and Regulatory Affairs, Office of
Management and Budget, New Executive Office Building, Washington, DC
20503.
FOR FURTHER INFORMATION CONTACT: Manny Cabeza, Counsel, (202) 898-3767,
[email protected], MB-3007, Federal Deposit Insurance Corporation, 550
17th Street NW, Washington, DC 20429.
SUPPLEMENTARY INFORMATION: The FDIC is considering possible revisions
to the following collection of information:
Title: National Survey of Unbanked and Underbanked Households.
OMB Number: 3064-0167.
Frequency of Response: Once.
Affected Public: U.S. Households.
Estimated Number of Respondents: 40,000.
Average time per response: 9 minutes (0.15 hours) per respondent.
Estimated Total Annual Burden: 0.15 hours x 40,000 respondents =
6,000 hours.
General Description of Collection: The FDIC recognizes that public
confidence in the banking system is strengthened when banks effectively
serve the broadest possible set of consumers. As a result, the agency
is committed to increasing economic inclusion in the financial
mainstream by ensuring that all Americans have access to safe, secure,
and affordable banking services. The National Survey of Unbanked and
Underbanked Households is one contribution to this end.
The National Survey of Unbanked and Underbanked Households is also
a key
[[Page 55533]]
component of the FDIC's efforts to comply with a Congressional mandate
contained in section 7 of the Federal Deposit Insurance Reform
Conforming Amendments Act of 2005 (``Reform Act'') (Pub. L. 109-173),
which calls for the FDIC to conduct ongoing surveys ``on efforts by
insured depository institutions to bring those individuals and families
who have rarely, if ever, held a checking account, a savings account or
other type of transaction or check cashing account at an insured
depository institution (hereafter in this section referred to as the
`unbanked') into the conventional finance system.'' Section 7 further
instructs the FDIC to consider several factors in its conduct of the
surveys, including: (1) ``What cultural, language and identification
issues as well as transaction costs appear to most prevent `unbanked'
individuals from establishing conventional accounts''; and (2) ``what
is a fair estimate of the size and worth of the ``unbanked'' market in
the United States.'' The National Survey of Unbanked and Underbanked
Households is designed to address these factors and provide a factual
basis on the proportions of unbanked households. Such a factual basis
is necessary to adequately assess banks' efforts to serve these
households as required by the statutory mandate. The National Survey of
Unbanked and Underbanked Households is the only population-
representative survey conducted at the national level that provides
state-level estimates of the size and characteristics of unbanked and
underbanked households for all 50 states and the District of Columbia.
The FDIC supplement collects nationally-representative data, not
otherwise available, to measure and track economic inclusion, and
assess the accessibility and sustainability of banking relationships.
The survey identifies different banking status groups, including
unbanked and underbanked consumers. In identifying underbanked
consumers, the FDIC considers households that have bank accounts but
also substantially rely on nonbank financial services to meet basic
financial needs such as receiving income, paying bills, saving and
storing money, and accessing basic consumer credit. There is an
emphasis on services that are disproportionately relied on by the
unbanked, and are provided by a company or firm, as opposed to those
accessed informally through individuals. The survey captures the use of
a range of bank and nonbank products, and other data to help assess the
reasons why some households do not make greater use of mainstream
banking services.
To obtain this information, the FDIC partners with the U.S. Census
Bureau, which administers the Household Survey supplement (``FDIC
Supplement') to households that participate in the CPS. The supplement
has been administered every other year since January 2009. The previous
survey questionnaires and survey results can be accessed through the
following link: https://www.economicinclusion.gov/surveys/.
Consistent with the statutory mandate to conduct the surveys on an
ongoing basis, the FDIC already has in place arrangements for
conducting the sixth Household Survey as a supplement to the June 2019
CPS.
However, prior to finalizing the next survey questionnaire, the
FDIC seeks to solicit public comment on whether changes to the existing
instrument are desirable and, if so, to what extent. It should be noted
that, as a supplement of the CPS survey, the Household Survey needs to
adhere to specific parameters that include limits in the length and
sensitivity of the questions that can be asked of CPS respondents.
Interested members of the public may obtain a copy of the proposed
survey questionnaire on the following web page: https://www.fdic.gov/regulations/laws/federal/2018/2019-draft-household-survey-questionnaire.pdf
Request for Comment
Comments are invited on: (a) Whether the collection of information
is necessary for the proper performance of the FDIC's functions,
including whether the information has practical utility; (b) the
accuracy of the estimates of the burden of the information collections,
including the validity of the methodology and 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. All
comments will become a matter of public record.
Dated at Washington, DC, on November 1, 2018.
Federal Deposit Insurance Corporation.
Robert E. Feldman,
Executive Secretary.
[FR Doc. 2018-24228 Filed 11-5-18; 8:45 am]
BILLING CODE 6714-01-P
