Agency Information Collection Activities: Submission for OMB Review; Comment Request, 1123-1125 [2019-00560]
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1123
Federal Register / Vol. 84, No. 22 / Friday, February 1, 2019 / Notices
portfolios for two years. Section
324.206(b)(3) requires FDIC-supervised
institutions to have policies and
procedures that describe how they
determine the period of significant
financial stress used to calculate the
institution’s stressed value-at-risk
models and to obtain prior FDIC
approval for any material changes to
these policies and procedures.
Section 324.207(b)(1) details
requirements applicable to a FDICsupervised institution when the FDICsupervised institution uses internal
models to measure the specific risk of
certain covered positions. Section
324.208 requires FDIC-supervised
institutions to obtain prior written FDIC
approval for incremental risk modeling.
Section 324.209(a) requires prior FDIC
approval for the use of a comprehensive
risk measure. Section 324.209(c)(2)
requires FDIC-supervised institutions to
retain and report the results of
supervisory stress testing. Section
324.210(f)(2)(i) requires FDICsupervised institutions to document an
internal analysis of the risk
characteristics of each securitization
position in order to demonstrate an
understanding of the position. Section
324.212 requires quarterly quantitative
disclosures, annual qualitative
disclosures, and a formal disclosure
policy approved by the board of
directors that addresses the approach for
determining the market risk disclosures
it makes.
The annual burden for this
information collection is estimated to be
5,228 hours. This represents an increase
of 1,300 hours from the current burden
estimate of 3,928 hours. This increase is
not due to any new requirements
imposed by the FDIC. Rather, it is due
to FDIC’s reassessment of the number of
respondents as well as the frequency of
responses per respondent per year.
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 collection,
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 January 28,
2019.
Federal Deposit Insurance Corporation.
Valerie Best,
Assistant Executive Secretary.
[FR Doc. 2019–00558 Filed 1–31–19; 8:45 am]
BILLING CODE 6714–01–P
FEDERAL DEPOSIT INSURANCE
CORPORATION
[OMB No. 3064–0117; –0145; and –0152]
Interested parties are
invited to submit written comments to
the FDIC by any of the following
methods:
• https://www.FDIC.gov/regulations/
laws/federal.
• 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 Building
(located on F Street), on business days
between 7:00 a.m. and 5:00 p.m.
All comments should refer to the
relevant OMB control number. 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.
ADDRESSES:
FOR FURTHER INFORMATION CONTACT:
Agency Information Collection
Activities: Submission for OMB
Review; Comment Request
AGENCY:
Manny Cabeza, Counsel, 202–898–3767,
mcabeza@fdic.gov, MB–3007, Federal
Deposit Insurance Corporation, 550 17th
Street NW, Washington, DC 20429.
The FDIC, as part of its
obligations under the Paperwork
Reduction Act of 1995, invites the
general public and other Federal
agencies to take this opportunity to
comment on the renewal of the existing
information collections described below
(control Numbers 3064–0117; 3064–
0145; and 3064–0152). On November
23, 2018, the FDIC requested comment
for 60 days on a proposal to renew these
information collections. No comments
were received. The FDIC hereby gives
notice of its plan to submit to OMB a
request to approve the renewal of these
collections, and again invites comment
on their renewal.
DATES: Comments must be submitted on
or before March 4, 2019.
On
November 23, 2018, the FDIC requested
comment for 60 days on a proposal to
renew the information collections
described below.1 No comments were
received. The FDIC hereby gives notice
of its plan to submit to OMB a request
to approve the renewal of these
collections, and again invites comment
on these renewals.
Proposal to renew the following
currently approved collections of
information:
1. Title: Mutual-to-Stock Conversion
of State Savings Banks.
OMB Number: 3064–0117.
Form Number: None.
Affected Public: Insured state savings
associations.
Burden Estimate:
Federal Deposit Insurance
Corporation (FDIC).
ACTION: Notice and request for comment.
SUMMARY:
SUPPLEMENTARY INFORMATION:
SUMMARY OF ANNUAL BURDEN
Mutual-to-Stock Conversion of State Savings Bank.
1 83
Type of
burden
Obligation
to respond
Reporting .......
Mandatory ......
Estimated
number of
respondents
Estimated
frequency
of responses
5
Estimated
time per
response
(hours)
1
250
FR 59833 (November 23, 2018).
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21:23 Jan 31, 2019
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01FEN1
Frequency
of response
On Occasion ..
Total annual
estimated
burden
(hours)
1,250
1124
Federal Register / Vol. 84, No. 22 / Friday, February 1, 2019 / Notices
SUMMARY OF ANNUAL BURDEN—Continued
Total Hourly Burden.
Type of
burden
Obligation
to respond
Estimated
number of
respondents
Estimated
frequency
of responses
Estimated
time per
response
(hours)
Frequency
of response
........................
........................
........................
........................
........................
........................
General Description of Collection:
State savings associations must file a
notice of intent to convert to stock form,
and provide the FDIC with copies of
documents filed with state and federal
banking and/or securities regulators in
connection with any proposed mutualto-stock conversion.
There is no change in the method or
substance of the collection. The overall
reduction in burden hours is the result
of economic fluctuation. In particular,
the number of respondents has
decreased while the hours per response
and frequency of responses have
remained the same.
Total annual
estimated
burden
(hours)
1,250
2. Title: Notice Regarding
Unauthorized Access to Customer
Information.
OMB Number: 3064–0145.
Form Number: None.
Affected Public: Insured state
nonmember banks
Burden Estimate:
SUMMARY OF ANNUAL BURDEN
Implementation (One Time):
Develop Policies and Procedures for
Response Program.
Ongoing:
Notice Regarding Unauthorized Access
to Customer Information.
Total Estimated Annual Burden ......
General Description of Collection: The
Interagency Guidance on Response
Programs for Unauthorized Access to
Customer Information and Customer
Notice describes the federal banking
agencies’ expectations regarding a
response program, including customer
notification procedures, that a financial
institution should develop and apply
under the circumstances described in
the Guidance to address unauthorized
access to or use of customer information
that could result in substantial harm or
Estimated
time per
response
(hours)
Estimated
number of
respondents
Type of burden
Frequency of
response
Total
estimated
annual
burden hours
Recordkeeping .....................
2
24
1 .....................
48
Third Party Disclosure .........
315
36
On Occasion ..
11,340
..............................................
........................
........................
........................
11,388
inconvenience to a customer. The
Guidance advises financial institutions
when and how they might: (1) Develop
notices to customers; (2) in certain
circumstances defined in the Guidance,
determine which customers should
receive the notices; and (3) send the
notices to customers.
There is no change in the method or
substance of the information collection.
With respect to the third party
disclosure requirements associated with
providing notices regarding
unauthorized access to customer
information, the FDIC revised its
estimate of the response time from 29
hours per response to 36 hours per
response. The agency also revised its
estimate of the number of annual
respondents from 80 to 315 to reflect
current industry trend data.
3. Title: Identity Theft Red Flags.
OMB Number: 3064–0152.
Form Number: None.
Affected Public: Insured state
nonmember banks.
Burden Estimate:
SUMMARY OF ANNUAL BURDEN
FACT Act Sections 114
and 315—Establish
policies and Procedures.
FACT Act Section
315—Provide accurate confirmed address.
Total Hourly Burden.
VerDate Sep<11>2014
Estimated
number of
respondents
Estimated
frequency
of responses
Estimated
time per
response
(hours)
Obligation to
respond
Recordkeeping
Mandatory ......
3,575
1
16
On Occasion ..
57,200
Third-Party
Disclosure.
Mandatory ......
3,575
1
4
On Occasion ..
14,300
........................
........................
........................
........................
........................
........................
71,500
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Frequency of
response
Total
annual
estimated
burden
(hours)
Type of
burden
01FEN1
Federal Register / Vol. 84, No. 22 / Friday, February 1, 2019 / Notices
General Description of Collection: The
regulation containing this information
collection requirement is 12 CFR part
334, which implements sections 114
and 315 of the Fair and Accurate Credit
Transactions Act of 2003 (FACT Act),
Public Law 108–159 (2003).
FACT Act Section 114: Section 114
requires the Board of Governors of the
Federal Reserve System, the Office of
the Comptroller of the Currency and the
FDIC (the Agencies) to jointly propose
guidelines for financial institutions and
creditors identifying patterns, practices,
and specific forms of activity that
indicate the possible existence of
identity theft. In addition, each financial
institution and creditor is required to
establish reasonable policies and
procedures to address the risk of
identity theft that incorporate the
guidelines. Credit card and debit card
issuers must develop policies and
procedures to assess the validity of a
request for a change of address under
certain circumstances.
The information collections pursuant
to section 114 require each financial
institution and creditor to create an
Identity Theft Prevention Program and
report to the board of directors, a
committee thereof, or senior
management at least annually on
compliance with the proposed
regulations. In addition, staff must be
trained to carry out the program. Each
credit and debit card issuer is required
to establish policies and procedures to
assess the validity of a change of
address request. The card issuer must
notify the cardholder or use another
means to assess the validity of the
change of address.
FACT Act Section 315: Section 315
requires the Agencies to issue
regulations providing guidance
regarding reasonable policies and
procedures that a user of consumer
reports must employ when such a user
receives a notice of address discrepancy
from a consumer reporting agencies.
Part 334 provides such guidance. Each
user of consumer reports must develop
reasonable policies and procedures that
it will follow when it receives a notice
of address discrepancy from a consumer
reporting agency. A user of consumer
reports must furnish an address that the
user has reasonably confirmed to be
accurate to the consumer reporting
agency from which it receives a notice
of address discrepancy.
There is no change in the method or
substance of the information collection.
The total estimated annual burden
hours have increased because of the
inclusion of the agency’s estimate of
third-party disclosure burden associated
with the notices required by Section 315
VerDate Sep<11>2014
21:23 Jan 31, 2019
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1125
of the FACT Act which were previously
not included because the agencies had
taken the position that the entities
covered by the regulation were already
furnishing addresses that they had
reasonably confirmed to be accurate to
consumer reporting agencies from
which they receive a notice of address
discrepancy as a usual and customary
business practice. The above burden
estimate now includes burden for the
third-party disclosure requirements
associated with Section 315 which
resulted in an increase in estimated
annual burden of 14,300 hours. This
increase was offset, in part, by a
reduction in the estimated number of
respondents from 4,017 to 3,575 which
resulted in a decrease in the estimated
annual burden for the recordkeeping
requirement associated with Sections
114 and 315 from 64,272 hour to 57,200
hours. The net effect of the revision is
an increase in estimated annual burden
from 64,272 hours to 71,500 hours.
Financial Institutions Reform, Recovery,
and Enforcement Act of 1989, as
amended, notice is hereby given that the
Appraisal Subcommittee (ASC) will
meet in open session for its regular
meeting:
Location: Federal Reserve Board—
International Square Location, 1850 K
Street NW, Washington, DC 20006.
Date: February 13, 2019.
Time: 10:00 a.m.
Status: Open.
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 collection,
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.
How To Attend and Observe an ASC
Meeting
Dated at Washington, DC, on January 28,
2019.
Federal Deposit Insurance Corporation.
Valerie Best,
Assistant Executive Secretary.
Reports
Chairman
Executive Director
Delegated State Compliance Reviews
Financial Report
Action and Discussion Items
Open Session Minutes
• August 29, 2018
Reprogramming Request for FY18
Appraisal Foundation Grant
ASC Roundtable Summary
If you plan to attend the ASC Meeting
in person, we ask that you send an
email to meetings@asc.gov. You may
register until close of business four
business days before the meeting date.
You will be contacted by the Federal
Reserve Law Enforcement Unit on
security requirements. You will also be
asked to provide a valid governmentissued ID before being admitted to the
Meeting. The meeting space is intended
to accommodate public attendees.
However, if the space will not
accommodate all requests, the ASC may
refuse attendance on that reasonable
basis. The use of any video or audio
tape recording device, photographing
device, or any other electronic or
mechanical device designed for similar
purposes is prohibited at ASC Meetings.
[FR Doc. 2019–00560 Filed 1–31–19; 8:45 am]
Dated: January 29, 2019.
James R. Park,
Executive Director.
BILLING CODE 6714–01–P
[FR Doc. 2019–00668 Filed 1–31–19; 8:45 am]
BILLING CODE 6700–01–P
FEDERAL FINANCIAL INSTITUTIONS
EXAMINATION COUNCIL
[Docket No. AS19–01]
Appraisal Subcommittee; Notice of
Meeting
Appraisal Subcommittee of the
Federal Financial Institutions
Examination Council.
ACTION: Notice of meeting.
AGENCY:
Description: In accordance with
Section 1104(b) of Title XI of the
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Frm 00079
Fmt 4703
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FEDERAL RESERVE SYSTEM
Change in Bank Control Notices;
Acquisitions of Shares of a Bank or
Bank Holding Company
The notificants listed below have
applied under the Change in Bank
Control Act (‘‘Act’’) (12 U.S.C. 1817(j))
and § 225.41 of the Board’s Regulation
Y (12 CFR 225.41) to acquire shares of
a bank or bank holding company. The
factors that are considered in acting on
E:\FR\FM\01FEN1.SGM
01FEN1
]]>Agencies
[Federal Register Volume 84, Number 22 (Friday, February 1, 2019)]
[Notices]
[Pages 1123-1125]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2019-00560]
-----------------------------------------------------------------------
FEDERAL DEPOSIT INSURANCE CORPORATION
[OMB No. 3064-0117; -0145; and -0152]
Agency Information Collection Activities: Submission for OMB
Review; Comment Request
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, invites the general public and other Federal
agencies to take this opportunity to comment on the renewal of the
existing information collections described below (control Numbers 3064-
0117; 3064-0145; and 3064-0152). On November 23, 2018, the FDIC
requested comment for 60 days on a proposal to renew these information
collections. No comments were received. The FDIC hereby gives notice of
its plan to submit to OMB a request to approve the renewal of these
collections, and again invites comment on their renewal.
DATES: Comments must be submitted on or before March 4, 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.
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 Building (located on F Street),
on business days between 7:00 a.m. and 5:00 p.m.
All comments should refer to the relevant OMB control number. 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: On November 23, 2018, the FDIC requested
comment for 60 days on a proposal to renew the information collections
described below.\1\ No comments were received. The FDIC hereby gives
notice of its plan to submit to OMB a request to approve the renewal of
these collections, and again invites comment on these renewals.
---------------------------------------------------------------------------
\1\ 83 FR 59833 (November 23, 2018).
---------------------------------------------------------------------------
Proposal to renew the following currently approved collections of
information:
1. Title: Mutual-to-Stock Conversion of State Savings Banks.
OMB Number: 3064-0117.
Form Number: None.
Affected Public: Insured state savings associations.
Burden Estimate:
Summary of Annual Burden
--------------------------------------------------------------------------------------------------------------------------------------------------------
Estimated Estimated Estimated time Total annual
Type of burden Obligation to number of frequency of per response Frequency of estimated
respond respondents responses (hours) response burden (hours)
--------------------------------------------------------------------------------------------------------------------------------------------------------
Mutual-to-Stock Conversion Reporting......... Mandatory......... 5 1 250 On Occasion....... 1,250
of State Savings Bank.
---------------------------------------------------------------------------------------------------------------------------
[[Page 1124]]
Total Hourly Burden..... .................. .................. .............. .............. .............. .................. 1,250
--------------------------------------------------------------------------------------------------------------------------------------------------------
General Description of Collection: State savings associations must
file a notice of intent to convert to stock form, and provide the FDIC
with copies of documents filed with state and federal banking and/or
securities regulators in connection with any proposed mutual-to-stock
conversion.
There is no change in the method or substance of the collection.
The overall reduction in burden hours is the result of economic
fluctuation. In particular, the number of respondents has decreased
while the hours per response and frequency of responses have remained
the same.
2. Title: Notice Regarding Unauthorized Access to Customer
Information.
OMB Number: 3064-0145.
Form Number: None.
Affected Public: Insured state nonmember banks
Burden Estimate:
Summary of Annual Burden
--------------------------------------------------------------------------------------------------------------------------------------------------------
Total
Estimated Estimated time estimated
Type of burden number of per response Frequency of response annual burden
respondents (hours) hours
--------------------------------------------------------------------------------------------------------------------------------------------------------
Implementation (One Time): ..............
Develop Policies and Procedures Recordkeeping............................ 2 24 1....................... 48
for Response Program.
Ongoing:
Notice Regarding Unauthorized Third Party Disclosure................... 315 36 On Occasion............. 11,340
Access to Customer Information.
-------------------------------------------------------------------------
Total Estimated Annual ......................................... .............. .............. ........................ 11,388
Burden.
--------------------------------------------------------------------------------------------------------------------------------------------------------
General Description of Collection: The Interagency Guidance on
Response Programs for Unauthorized Access to Customer Information and
Customer Notice describes the federal banking agencies' expectations
regarding a response program, including customer notification
procedures, that a financial institution should develop and apply under
the circumstances described in the Guidance to address unauthorized
access to or use of customer information that could result in
substantial harm or inconvenience to a customer. The Guidance advises
financial institutions when and how they might: (1) Develop notices to
customers; (2) in certain circumstances defined in the Guidance,
determine which customers should receive the notices; and (3) send the
notices to customers.
There is no change in the method or substance of the information
collection. With respect to the third party disclosure requirements
associated with providing notices regarding unauthorized access to
customer information, the FDIC revised its estimate of the response
time from 29 hours per response to 36 hours per response. The agency
also revised its estimate of the number of annual respondents from 80
to 315 to reflect current industry trend data.
3. Title: Identity Theft Red Flags.
OMB Number: 3064-0152.
Form Number: None.
Affected Public: Insured state nonmember banks.
Burden Estimate:
Summary of Annual burden
--------------------------------------------------------------------------------------------------------------------------------------------------------
Estimated Estimated Estimated time Total annual
Type of burden Obligation to number of frequency of per response Frequency of estimated
respond respondents responses (hours) response burden (hours)
--------------------------------------------------------------------------------------------------------------------------------------------------------
FACT Act Sections 114 and Recordkeeping..... Mandatory......... 3,575 1 16 On Occasion....... 57,200
315--Establish policies and
Procedures.
FACT Act Section 315-- Third-Party Mandatory......... 3,575 1 4 On Occasion....... 14,300
Provide accurate confirmed Disclosure.
address.
-----------------------------------------------------------------------------------
Total Hourly Burden..... .................. .................. .............. .............. .............. .................. 71,500
--------------------------------------------------------------------------------------------------------------------------------------------------------
[[Page 1125]]
General Description of Collection: The regulation containing this
information collection requirement is 12 CFR part 334, which implements
sections 114 and 315 of the Fair and Accurate Credit Transactions Act
of 2003 (FACT Act), Public Law 108-159 (2003).
FACT Act Section 114: Section 114 requires the Board of Governors
of the Federal Reserve System, the Office of the Comptroller of the
Currency and the FDIC (the Agencies) to jointly propose guidelines for
financial institutions and creditors identifying patterns, practices,
and specific forms of activity that indicate the possible existence of
identity theft. In addition, each financial institution and creditor is
required to establish reasonable policies and procedures to address the
risk of identity theft that incorporate the guidelines. Credit card and
debit card issuers must develop policies and procedures to assess the
validity of a request for a change of address under certain
circumstances.
The information collections pursuant to section 114 require each
financial institution and creditor to create an Identity Theft
Prevention Program and report to the board of directors, a committee
thereof, or senior management at least annually on compliance with the
proposed regulations. In addition, staff must be trained to carry out
the program. Each credit and debit card issuer is required to establish
policies and procedures to assess the validity of a change of address
request. The card issuer must notify the cardholder or use another
means to assess the validity of the change of address.
FACT Act Section 315: Section 315 requires the Agencies to issue
regulations providing guidance regarding reasonable policies and
procedures that a user of consumer reports must employ when such a user
receives a notice of address discrepancy from a consumer reporting
agencies. Part 334 provides such guidance. Each user of consumer
reports must develop reasonable policies and procedures that it will
follow when it receives a notice of address discrepancy from a consumer
reporting agency. A user of consumer reports must furnish an address
that the user has reasonably confirmed to be accurate to the consumer
reporting agency from which it receives a notice of address
discrepancy.
There is no change in the method or substance of the information
collection. The total estimated annual burden hours have increased
because of the inclusion of the agency's estimate of third-party
disclosure burden associated with the notices required by Section 315
of the FACT Act which were previously not included because the agencies
had taken the position that the entities covered by the regulation were
already furnishing addresses that they had reasonably confirmed to be
accurate to consumer reporting agencies from which they receive a
notice of address discrepancy as a usual and customary business
practice. The above burden estimate now includes burden for the third-
party disclosure requirements associated with Section 315 which
resulted in an increase in estimated annual burden of 14,300 hours.
This increase was offset, in part, by a reduction in the estimated
number of respondents from 4,017 to 3,575 which resulted in a decrease
in the estimated annual burden for the recordkeeping requirement
associated with Sections 114 and 315 from 64,272 hour to 57,200 hours.
The net effect of the revision is an increase in estimated annual
burden from 64,272 hours to 71,500 hours.
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 collection,
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 January 28, 2019.
Federal Deposit Insurance Corporation.
Valerie Best,
Assistant Executive Secretary.
[FR Doc. 2019-00560 Filed 1-31-19; 8:45 am]
BILLING CODE 6714-01-P
