Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company, 68156-68157 [2022-24620]
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khammond on DSKJM1Z7X2PROD with NOTICES
68156
Federal Register / Vol. 87, No. 218 / Monday, November 14, 2022 / Notices
All comments should refer to
‘‘Household Survey.’’ 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, Regulatory Counsel,
202–898–3767, mcabeza@fdic.gov, MB–
3128, Federal Deposit Insurance
Corporation, 550 17th Street NW,
Washington, DC 20429.
SUPPLEMENTARY INFORMATION: The FDIC
is requesting OMB approval for the
following collection of information:
Title: FDIC National Survey of
Unbanked and Underbanked
Households.
OMB Number: 3064–0215.
Frequency of Response: Once.
Affected Public: Individuals residing
in U.S. Households.
Estimated Number of Respondents:
40,000.
Average Time per Response: 9
minutes (0.15 hours) per respondent.
Estimated Total Annual Burden:
6,000 hours.
General Description of Collection: The
FDIC is committed to expanding
Americans’ access to safe, secure, and
affordable banking services, which is
integral to the FDIC’s mission of
maintaining the stability of and public
confidence in the U.S. financial system.
The FDIC National Survey of Unbanked
and Underbanked Households
(Household Survey) is one contribution
to this end. The Household Survey is
also a key component of the FDIC’s
compliance 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.’’
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The Household Survey collects
information on bank account ownership
which provides a factual basis for
measuring the number and percentage
of households that are unbanked. The
Household Survey is the only
population-representative survey
conducted at the national level that
provides state-level estimates of the size
and characteristics of unbanked
households for all 50 states and the
District of Columbia. The Household
Survey also collects information from
unbanked households about the reasons
that they do not have a bank account
and their interest in having a bank
account. Increasingly, financial
products and services are provided by
nonbanks, many through the use of a
mobile phone app. Households are
selecting different combinations of bank
and nonbank financial products and
services to meet their core financial
needs. Consequently, the Household
Survey collects information on whether
and how households use a wide range
of bank and nonbank financial products
and 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
Current Population Survey (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://fdic.gov/
analysis/household-survey.
Consistent with the statutory mandate
to conduct the surveys on an ongoing
basis, the FDIC already has in place
arrangements for conducting the eighth
Household Survey as a supplement to
the June 2023 CPS. Prior to finalizing
the 2023 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/resources/regulations/
federal-register-publications/2023/2023household-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
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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.
Federal Deposit Insurance Corporation.
Dated at Washington, DC, on November 7,
2022.
James P. Sheesley,
Assistant Executive Secretary.
[FR Doc. 2022–24642 Filed 11–10–22; 8:45 am]
BILLING CODE 6714–01–P
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 the
applications are set forth in paragraph 7
of the Act (12 U.S.C. 1817(j)(7)).
The public portions of the
applications listed below, as well as
other related filings required by the
Board, if any, are available for
immediate inspection at the Federal
Reserve Bank(s) indicated below and at
the offices of the Board of Governors.
This information may also be obtained
on an expedited basis, upon request, by
contacting the appropriate Federal
Reserve Bank and from the Board’s
Freedom of Information Office at
https://www.federalreserve.gov/foia/
request.htm. Interested persons may
express their views in writing on the
standards enumerated in paragraph 7 of
the Act.
Comments regarding each of these
applications must be received at the
Reserve Bank indicated or the offices of
the Board of Governors, Ann E.
Misback, Secretary of the Board, 20th
Street and Constitution Avenue NW,
Washington, DC 20551–0001, not later
than November 29, 2022.
A. Federal Reserve Bank of Chicago
(Colette A. Fried, Assistant Vice
President) 230 South LaSalle Street,
Chicago, Illinois 60690–1414:
1. Elizabeth J.C. Brennan, West Des
Moines, Iowa; to become the largest
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Federal Register / Vol. 87, No. 218 / Monday, November 14, 2022 / Notices
individual shareholder and join the
Brennan Family control group, a group
acting in concert, by acquiring voting
shares of Morning Sun Bank Corp., and
thereby indirectly acquiring voting
shares of Bank, both of Wapello, Iowa.
Board of Governors of the Federal Reserve
System.
Michele Taylor Fennell,
Deputy Associate Secretary of the Board.
[FR Doc. 2022–24620 Filed 11–10–22; 8:45 am]
BILLING CODE P
FEDERAL TRADE COMMISSION
[File No. 202 3151]
Chegg, Inc.; Analysis of Proposed
Consent Order To Aid Public Comment
Federal Trade Commission.
Proposed consent agreement;
request for comment.
AGENCY:
ACTION:
The consent agreement in this
matter settles alleged violations of
federal law prohibiting unfair or
deceptive acts or practices. The attached
Analysis of Proposed Consent Order to
Aid Public Comment describes both the
allegations in the draft complaint and
the terms of the consent order—
embodied in the consent agreement—
that would settle these allegations.
DATES: Comments must be received on
or before December 14, 2022.
ADDRESSES: Interested parties may file
comments online or on paper by
following the instructions in the
Request for Comment part of the
SUPPLEMENTARY INFORMATION section
below. Please write ‘‘Chegg, Inc.; File
No. 202 3151’’ on your comment and
file your comment online at https://
www.regulations.gov by following the
instructions on the web-based form. If
you prefer to file your comment on
paper, please 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.
SUMMARY:
khammond on DSKJM1Z7X2PROD with NOTICES
FOR FURTHER INFORMATION CONTACT:
Brian Shull (202–326–3734) or
Genevieve Bonan (202–326–3139),
Bureau of Consumer Protection, Federal
Trade Commission, 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
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approval, by the Commission, has been
placed on the public record for a period
of 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 at https://www.ftc.gov/newsevents/commission-actions.
You can file a comment online or on
paper. For the Commission to consider
your comment, we must receive it on or
before December 14, 2022 Write ‘‘Chegg,
Inc.; File No. 202 3151’’ on your
comment. Your comment—including
your name and your state—will be
placed on the public record of this
proceeding, including, to the extent
practicable, on the https://
www.regulations.gov website.
Because of heightened security
screening, postal mail addressed to the
Commission will be subject to delay. We
strongly encourage you to submit your
comments online through the https://
www.regulations.gov website.
If you prefer to file your comment on
paper, write ‘‘Chegg, Inc.; File No. 202
3151’’ 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.
Because your comment will be placed
on the publicly accessible website at
https://www.regulations.gov, you are
solely responsible for making sure your
comment does not include any sensitive
or confidential information. In
particular, your comment should not
include sensitive personal information,
such as your or anyone else’s Social
Security number; date of birth; driver’s
license number or other state
identification number, or foreign
country equivalent; passport number;
financial account number; or credit or
debit card number. You are also solely
responsible for making sure your
comment does not include sensitive
health information, such as medical
records or other individually
identifiable health information. In
addition, your comment should not
include any ‘‘trade secret or any
commercial or financial information
which . . . is privileged or
confidential’’—as provided by Section
6(f) of the FTC Act, 15 U.S.C. 46(f), and
FTC Rule § 4.10(a)(2), 16 CFR
4.10(a)(2)—including competitively
sensitive information such as costs,
sales statistics, inventories, formulas,
patterns, devices, manufacturing
processes, or customer names.
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68157
Comments containing material for
which confidential treatment is
requested must be filed in paper form,
must be clearly labeled ‘‘Confidential,’’
and must comply with FTC Rule
§ 4.9(c). In particular, the written
request for confidential treatment that
accompanies the comment must include
the factual and legal basis for the
request, and must identify the specific
portions of the comment to be withheld
from the public record. See FTC Rule
§ 4.9(c). Your comment will be kept
confidential only if the General Counsel
grants your request in accordance with
the law and the public interest. Once
your comment has been posted on the
https://www.regulations.gov website—as
legally required by FTC Rule § 4.9(b)—
we cannot redact or remove your
comment from that website, unless you
submit a confidentiality request that
meets the requirements for such
treatment under FTC Rule § 4.9(c), and
the General Counsel grants that request.
Visit the FTC website at https://
www.ftc.gov to read this document and
the news release describing the
proposed settlement. The FTC Act and
other laws the Commission administers
permit the collection of public
comments to consider and use in this
proceeding, as appropriate. The
Commission will consider all timely
and responsive public comments it
receives on or before December 14,
2022. For information on the
Commission’s privacy policy, including
routine uses permitted by the Privacy
Act, see https://www.ftc.gov/siteinformation/privacy-policy.
Analysis of Proposed Consent Order To
Aid Public Comment
The Federal Trade Commission
(‘‘Commission’’) has accepted, subject to
final approval, an agreement containing
a consent order from Chegg, Inc.
(‘‘Respondent’’). The proposed consent
order (‘‘Proposed Order’’) has been
placed on the public record for 30 days
for receipt of public comments from
interested persons. Comments received
during this period will become part of
the public record. After 30 days, the
Commission will again review the
agreement, along with the comments
received, and will decide whether it
should make final the Proposed Order
or withdraw from the agreement and
take appropriate action.
Respondent is a Delaware corporation
with its principal place of business in
California. Respondent offers an online
platform through which consumers
utilize Respondent’s subscription-based
study aids, which have included
tutoring, writing assistance, mathproblem solvers, and answers to
E:\FR\FM\14NON1.SGM
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]]>Agencies
[Federal Register Volume 87, Number 218 (Monday, November 14, 2022)]
[Notices]
[Pages 68156-68157]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2022-24620]
=======================================================================
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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 Sec. 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 the
applications are set forth in paragraph 7 of the Act (12 U.S.C.
1817(j)(7)).
The public portions of the applications listed below, as well as
other related filings required by the Board, if any, are available for
immediate inspection at the Federal Reserve Bank(s) indicated below and
at the offices of the Board of Governors. This information may also be
obtained on an expedited basis, upon request, by contacting the
appropriate Federal Reserve Bank and from the Board's Freedom of
Information Office at https://www.federalreserve.gov/foia/request.htm.
Interested persons may express their views in writing on the standards
enumerated in paragraph 7 of the Act.
Comments regarding each of these applications must be received at
the Reserve Bank indicated or the offices of the Board of Governors,
Ann E. Misback, Secretary of the Board, 20th Street and Constitution
Avenue NW, Washington, DC 20551-0001, not later than November 29, 2022.
A. Federal Reserve Bank of Chicago (Colette A. Fried, Assistant
Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414:
1. Elizabeth J.C. Brennan, West Des Moines, Iowa; to become the
largest
[[Page 68157]]
individual shareholder and join the Brennan Family control group, a
group acting in concert, by acquiring voting shares of Morning Sun Bank
Corp., and thereby indirectly acquiring voting shares of Bank, both of
Wapello, Iowa.
Board of Governors of the Federal Reserve System.
Michele Taylor Fennell,
Deputy Associate Secretary of the Board.
[FR Doc. 2022-24620 Filed 11-10-22; 8:45 am]
BILLING CODE P
