Request for Information on the Equal Credit Opportunity Act and Regulation B; Extension of Comment Period, 52332-52333 [2020-18557]

Download as PDF 52332 Federal Register / Vol. 85, No. 165 / Tuesday, August 25, 2020 / Notices 45730) requesting public comment on the application, any additional information NMFS should consider in making its decision, and nominations for potential Task Force members. As required under the MMPA, after the close of the public comment period NMFS established the Task Force and convened a Task Force meeting on May 12, 2020 through May 14, 2020. The Task Force meeting was open to the public. The Task Force completed and submitted its report to NMFS on July 14, 2020. The majority of Task Force members present at the meeting (16 of 22) recommended that NMFS approve the eligible entities’ application with certain terms and conditions, while two Task Force members recommended that NMFS deny the application, one Task Force member abstained, and three Task Force members were intermittently absent and did not provide a recommendation. The Task Force report also included recommendations pursuant to the requirements in section 120(c)(3)(A) of the MMPA and also considered the factors identified in MMPA section 120(d). All decision documents, including a copy of the authorization, are available on NMFS’ West Coast Region web page (see ADDRESSES). Findings khammond on DSKJM1Z7X2PROD with NOTICES As required under section 7(a)(2) under the ESA, NMFS completed informal consultation, and in accordance with the National Environmental Policy Act, NMFS completed an environmental assessment with a finding of no significant impact. Based on these requirements, NMFS has determined that the requirements of section 120(f) of the MMPA have been met and it is therefore reasonable to issue a permit to the eligible entities authorizing them to remove (i.e., place in permanent captivity or kill) no more than 540 California sea lions and no more than 176 Steller sea lions (eastern stock) through August 14, 2025. Dated: August 19, 2020. Angela Somma, Acting Director, Office of Protected Resources, National Marine Fisheries Service. [FR Doc. 2020–18570 Filed 8–24–20; 8:45 am] BILLING CODE 3510–22–P VerDate Sep<11>2014 19:55 Aug 24, 2020 Jkt 250001 BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB–2020–0026] Request for Information on the Equal Credit Opportunity Act and Regulation B; Extension of Comment Period Bureau of Consumer Financial Protection. ACTION: Notice and request for information; extension of comment period. AGENCY: On August 3, 2020, the Bureau of Consumer Financial Protection (Bureau) published in the Federal Register a Request for Information (RFI) seeking comments and information to identify opportunities to prevent credit discrimination, encourage responsible innovation, promote fair, equitable, and nondiscriminatory access to credit, address potential regulatory uncertainty, and develop viable solutions to regulatory compliance challenges under the Equal Credit Opportunity Act (ECOA) and Regulation B. The RFI provided a 60-day comment period that was set to close on October 2, 2020. To allow interested persons more time to consider and submit their comments, the Bureau is extending the comment period until December 1, 2020. DATES: The comment period for the RFI published August 3, 2020, at 85 FR 46600, is extended. Responses to the RFI must now be received on or before December 1, 2020. ADDRESSES: You may submit responsive information and other comments, identified by Docket No. CFPB–2020– 0026, by any of the following methods: • Federal eRulemaking Portal: Go to https://www.regulations.gov. Follow the instructions for submitting comments. • Email: 2020-RFI-ECOA@cfpb.gov. Include Docket No. CFPB–2020–0026 in the subject line of the message. • Mail/Hand Delivery/Courier: Comment Intake, Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552. Please note that due to circumstances associated with the COVID–19 pandemic, the Bureau discourages the submission of comments by mail, hand delivery, or courier. • Instructions: The Bureau encourages the early submission of comments. All submissions must include the document title and docket number. Because paper mail in the Washington, DC area and at the Bureau is subject to delay, and in light of difficulties associated with mail and hand deliveries during the COVID–19 SUMMARY: PO 00000 Frm 00033 Fmt 4703 Sfmt 4703 pandemic, commenters are encouraged to submit comments electronically. In general, all comments received will be posted without change to https:// www.regulations.gov. In addition, once the Bureau’s headquarters reopens, comments will be available for public inspection and copying at 1700 G Street NW, Washington, DC 20552, on official business days between the hours of 10 a.m. and 5 p.m. Eastern Time. At that time, you can make an appointment to inspect the documents by telephoning 202–435–9169. All submissions in response to this request for information (RFI), including attachments and other supporting materials, will become part of the public record and subject to public disclosure. Please do not include sensitive personal information in your submissions, such as account numbers or Social Security numbers, or names of other individuals, or other information that you would not ordinarily make public, such as trade secrets or confidential commercial information. Submissions will not be edited to remove any identifying or contact information, or other information that you would not ordinarily make public. If you wish to submit trade secret or confidential commercial information, please contact the individuals listed in the FOR FURTHER INFORMATION CONTACT section below. Information submitted to the Bureau will be treated in accordance with the Bureau’s Rule on the Disclosure of Records and Information, 12 CFR part 1070 et seq. FOR FURTHER INFORMATION CONTACT: For general inquiries and submission process questions, please call Pavy Bacon, Senior Counsel, Office of Regulations at 202–435–7700. If you require this document in an alternative electronic format, please contact CFPB_ Accessibility@cfpb.gov. SUPPLEMENTARY INFORMATION: On July 28, 2020, the Bureau issued an RFI to seek comments on the actions it can take or should consider taking to prevent credit discrimination, encourage responsible innovation, promote fair, equitable, and nondiscriminatory access to credit, address potential regulatory uncertainty, and develop viable solutions to regulatory compliance challenges under ECOA and Regulation B. The RFI was published in the Federal Register on August 3, 2020.1 The RFI provided a 60-day public comment period that was set to close on October 2, 2020. Subsequent to issuance of the RFI, representatives from several 1 85 E:\FR\FM\25AUN1.SGM FR 46600 (Aug. 3, 2020). 25AUN1 Federal Register / Vol. 85, No. 165 / Tuesday, August 25, 2020 / Notices industry organizations and consumer groups asked the Bureau to extend the deadline for submission of comments, to allow interested parties more time to conduct outreach to relevant constituencies and to address the many issues raised in the RFI. The Bureau believes that an extension of the RFI comment period to December 1, 2020, is appropriate. This extension should allow interested parties more time to prepare responses to the RFI. The RFI comment period will now close on December 1, 2020. Signing Authority The Director of the Bureau, having reviewed and approved this document, is delegating the authority to electronically sign this document to Laura Galban, a Bureau Federal Register Liaison, for purposes of publication in the Federal Register. Dated: August 19, 2020. Laura Galban, Federal Register Liaison, Bureau of Consumer Financial Protection. [FR Doc. 2020–18557 Filed 8–24–20; 8:45 am] BILLING CODE 4810–AM–P BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB–2020–0029] Agency Information Collection Activities: Comment Request Bureau of Consumer Financial Protection. AGENCY: ACTION: Notice and request for comment. In accordance with the Paperwork Reduction Act of 1995 (PRA), the Bureau of Consumer Financial Protection (Bureau) is publishing this notice seeking comment on a Generic Information Collection titled, ‘‘Making Ends Meet Survey’’ under the Generic Information Collection Plan titled, ‘‘Generic Information Collection Plan for Surveys Using the Consumer Credit Panel’’ prior to requesting the Office of Management and Budget (OMB) approval of this collection. SUMMARY: Written comments are encouraged and must be received on or before September 24, 2020 to be assured of consideration. khammond on DSKJM1Z7X2PROD with NOTICES DATES: 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: ADDRESSES: VerDate Sep<11>2014 19:55 Aug 24, 2020 Jkt 250001 • Regulations.gov: Go to https:// www.regulations.gov. Follow the instructions for submitting comments. • Email: PRA_Comments@cfpb.gov. Include Docket No. CFPB–2020–0029 in the subject line of the message. • Mail/Hand Delivery/Courier: Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW, Washington, DC 20552. Please note that due to circumstances associated with the COVID–19 pandemic, the Bureau discourages the submission of comments by mail, hand delivery, or courier. 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 Darrin King, PRA Officer, at (202) 435–9575, or email: CFPB_PRA@cfpb.gov. If you require this document in an alternative electronic format, please contact CFPB_ Accessibility@cfpb.gov. Please do not submit comments to these email boxes. SUPPLEMENTARY INFORMATION: Title of Collection: Making Ends Meet Survey. OMB Control Number: 3170–0066. Type of Review: Request for approval of a Generic Information Collection under an existing Generic Information Collection Plan. Affected Public: Individuals or households. Estimated Number of Respondents: 4,200. Estimated Total Annual Burden Hours: 1,226. Abstract: The Bureau seeks to obtain approval for another round of the ‘‘Making Ends Meet Survey’’ that will solicit information on the consumer’s experience related to household financial shocks, particularly shocks related to the economic effects of the COVID–19 pandemic, how households respond to those shocks, and the role of savings to help provide a financial buffer. The Bureau mailed one round in May 2019 and a second round in May 2020.1 Both rounds sought to 52333 understand how consumers response to financial shocks, among other things. This new survey will have two arms: One will be a follow-up to respondents from the Bureau’s 2019 ‘‘Making Ends Meet Survey’’ to better understand household financial experiences dealing with the economic impacts of the COVID–19 pandemic. The second arm will go to a new sample of consumers from the Consumer Credit Panel and will help balance attrition from the follow-up and provide additional information specifically related to savings behaviors. All research under this collection will be related to the household balance sheet, and, thus, will be for general, formative, and informational research on consumer financial markets and consumers’ use of financial products and will not directly provide the basis for specific policymaking at the Bureau. Request for Comments: The Bureau is publishing this notice and soliciting comments 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. Special Request for Comments: Both proposed survey arms contain more questions than the Bureau intends to mail, the Bureau solicits comments on which questions provide the most value. Note that although the Bureau is requesting comments at this time, the Bureau will not proceed with the collection or request any responses until such time as the Bureau determines it will not impose an undue burden on respondents as they respond to the COVID–19 pandemic. Comments submitted in response to this notice will be submitted to OMB as part of its review of this request. All comments will become a matter of public record. Darrin King, Paperwork Reduction Act Officer, Bureau of Consumer Financial Protection. [FR Doc. 2020–18644 Filed 8–24–20; 8:45 am] BILLING CODE 4810–AM–P 1 The Bureau published a report on the first round in July, 2020. The report describes select results from the survey and discusses response rates and weighting procedures. The report is available here: PO 00000 Frm 00034 Fmt 4703 Sfmt 4703 https://www.consumerfinance.gov/data-research/ research-reports/insights-making-ends-meet-survey/ . E:\FR\FM\25AUN1.SGM 25AUN1

Agencies

[Federal Register Volume 85, Number 165 (Tuesday, August 25, 2020)]
[Notices]
[Pages 52332-52333]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2020-18557]


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BUREAU OF CONSUMER FINANCIAL PROTECTION

[Docket No. CFPB-2020-0026]


Request for Information on the Equal Credit Opportunity Act and 
Regulation B; Extension of Comment Period

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Notice and request for information; extension of comment 
period.

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

SUMMARY: On August 3, 2020, the Bureau of Consumer Financial Protection 
(Bureau) published in the Federal Register a Request for Information 
(RFI) seeking comments and information to identify opportunities to 
prevent credit discrimination, encourage responsible innovation, 
promote fair, equitable, and nondiscriminatory access to credit, 
address potential regulatory uncertainty, and develop viable solutions 
to regulatory compliance challenges under the Equal Credit Opportunity 
Act (ECOA) and Regulation B. The RFI provided a 60-day comment period 
that was set to close on October 2, 2020. To allow interested persons 
more time to consider and submit their comments, the Bureau is 
extending the comment period until December 1, 2020.

DATES: The comment period for the RFI published August 3, 2020, at 85 
FR 46600, is extended. Responses to the RFI must now be received on or 
before December 1, 2020.

ADDRESSES: You may submit responsive information and other comments, 
identified by Docket No. CFPB-2020-0026, by any of the following 
methods:
     Federal eRulemaking Portal: Go to https://www.regulations.gov. Follow the instructions for submitting comments.
     Email: [email protected]. Include Docket No. CFPB-
2020-0026 in the subject line of the message.
     Mail/Hand Delivery/Courier: Comment Intake, Bureau of 
Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552. 
Please note that due to circumstances associated with the COVID-19 
pandemic, the Bureau discourages the submission of comments by mail, 
hand delivery, or courier.
     Instructions: The Bureau encourages the early submission 
of comments. All submissions must include the document title and docket 
number. Because paper mail in the Washington, DC area and at the Bureau 
is subject to delay, and in light of difficulties associated with mail 
and hand deliveries during the COVID-19 pandemic, commenters are 
encouraged to submit comments electronically. In general, all comments 
received will be posted without change to https://www.regulations.gov. 
In addition, once the Bureau's headquarters reopens, comments will be 
available for public inspection and copying at 1700 G Street NW, 
Washington, DC 20552, on official business days between the hours of 10 
a.m. and 5 p.m. Eastern Time. At that time, you can make an appointment 
to inspect the documents by telephoning 202-435-9169.
    All submissions in response to this request for information (RFI), 
including attachments and other supporting materials, will become part 
of the public record and subject to public disclosure. Please do not 
include sensitive personal information in your submissions, such as 
account numbers or Social Security numbers, or names of other 
individuals, or other information that you would not ordinarily make 
public, such as trade secrets or confidential commercial information. 
Submissions will not be edited to remove any identifying or contact 
information, or other information that you would not ordinarily make 
public. If you wish to submit trade secret or confidential commercial 
information, please contact the individuals listed in the FOR FURTHER 
INFORMATION CONTACT section below. Information submitted to the Bureau 
will be treated in accordance with the Bureau's Rule on the Disclosure 
of Records and Information, 12 CFR part 1070 et seq.

FOR FURTHER INFORMATION CONTACT: For general inquiries and submission 
process questions, please call Pavy Bacon, Senior Counsel, Office of 
Regulations at 202-435-7700. If you require this document in an 
alternative electronic format, please contact 
[email protected].

SUPPLEMENTARY INFORMATION: On July 28, 2020, the Bureau issued an RFI 
to seek comments on the actions it can take or should consider taking 
to prevent credit discrimination, encourage responsible innovation, 
promote fair, equitable, and nondiscriminatory access to credit, 
address potential regulatory uncertainty, and develop viable solutions 
to regulatory compliance challenges under ECOA and Regulation B. The 
RFI was published in the Federal Register on August 3, 2020.\1\
---------------------------------------------------------------------------

    \1\ 85 FR 46600 (Aug. 3, 2020).
---------------------------------------------------------------------------

    The RFI provided a 60-day public comment period that was set to 
close on October 2, 2020. Subsequent to issuance of the RFI, 
representatives from several

[[Page 52333]]

industry organizations and consumer groups asked the Bureau to extend 
the deadline for submission of comments, to allow interested parties 
more time to conduct outreach to relevant constituencies and to address 
the many issues raised in the RFI. The Bureau believes that an 
extension of the RFI comment period to December 1, 2020, is 
appropriate. This extension should allow interested parties more time 
to prepare responses to the RFI. The RFI comment period will now close 
on December 1, 2020.

Signing Authority

    The Director of the Bureau, having reviewed and approved this 
document, is delegating the authority to electronically sign this 
document to Laura Galban, a Bureau Federal Register Liaison, for 
purposes of publication in the Federal Register.

    Dated: August 19, 2020.
Laura Galban,
Federal Register Liaison, Bureau of Consumer Financial Protection.
[FR Doc. 2020-18557 Filed 8-24-20; 8:45 am]
BILLING CODE 4810-AM-P
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