Inventorship Guidance for AI-Assisted Inventions, 48399-48400 [2024-12429]
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Federal Register / Vol. 89, No. 110 / Thursday, June 6, 2024 / Notices
specific questions related to collection
activities should be directed to Celeste
Stout, Fisheries Management Specialist,
NMFS, Office of Protected Resources,
(301) 427–8436, and Celeste.Stout@
noaa.gov.
SUPPLEMENTARY INFORMATION:
lotter on DSK11XQN23PROD with NOTICES1
I. Abstract
This request is for an extension of a
currently approved information
collection. The Endangered Species Act
of 1973 (ESA; 16 U.S.C. 1531 et seq.)
imposed prohibitions against the taking
of endangered species. In 1982,
Congress revised the ESA to allow
permits authorizing the taking of
endangered species incidental to
otherwise lawful activities. The
corresponding regulations (50 CFR part
222.222) established procedures for
persons to apply for such a permit. In
addition, the regulations set forth
specific reporting requirements for such
permit holders.
The regulations contain three sets of
information collections: (l) applications
for incidental take permits, (2)
applications for certificates of inclusion,
and (3) reporting requirements for
permits issued. Certificates of inclusion
are only required if a general permit is
issued to a representative of a group of
potential permit applicants, rather than
requiring each entity to apply for and
receive a permit.
The required information is used to
evaluate the impacts of the proposed
activity on endangered species, to make
the determinations required by the ESA
prior to issuing a permit, and to
establish appropriate permit conditions.
When a species is listed as threatened,
section 4(d) of the ESA requires the
Secretary to issue whatever regulations
are deemed necessary or advisable to
provide for conservation of the species.
In many cases those regulations reflect
blanket application of the section 9 take
prohibition. However, the National
Marine Fisheries Service (NMFS)
recognizes certain exceptions to that
prohibition, including habitat
restoration actions taken in accord with
approved state watershed action plans.
While watershed plans are prepared for
other purposes in coordination with or
fulfillment of various state programs, a
watershed group wishing to take
advantage of the exception for
restoration activities (rather than
obtaining a section 10 permit) would
have to submit the plan for NMFS
review.
II. Method of Collection
Currently, most information is
collected through email, but in some
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48399
instances, there are paper applications
mailed in.
cannot guarantee that we will be able to
do so.
III. Data
Sheleen Dumas,
Department PRA Clearance Officer, Office of
the Under Secretary for Economic Affairs,
Commerce Department.
OMB Control Number: 0648–0230.
Form Number(s): None.
Type of Review: Regular submission
(extension of a currently approved
information collection).
Affected Public: Individuals or
households, business or other for-profit,
not-for-profit institutions, and state,
local, or tribal government.
Estimated Number of Respondents:
37.
Estimated Time per Response: 80
hours for a permit application
(including Habitat Conservation Plans),
40 minutes for transfer of an incidental
take permit; 8 hours for a permit report,
30 minutes for a Certificate of Inclusion
and 10 hours for a watershed plan.
Estimated Total Annual Burden
Hours: 424.
Estimated Total Annual Cost to
Public: $0; we now collect everything
digitally.
Respondent’s Obligation: Required to
Obtain or Retain Benefits.
Legal Authority: ESA; 16 U.S.C. 1531
et seq.
IV. Request for Comments
We are soliciting public comments to
permit the Department/Bureau to: (a)
Evaluate whether the proposed
information collection is necessary for
the proper functions of the Department,
including whether the information will
have practical utility; (b) Evaluate the
accuracy of our estimate of the time and
cost burden for this proposed collection,
including the validity of the
methodology and assumptions used; (c)
Evaluate ways to enhance the quality,
utility, and clarity of the information to
be collected; and (d) Minimize the
reporting burden on those who are to
respond, including the use of automated
collection techniques or other forms of
information technology.
Comments that you submit in
response to this notice are a matter of
public record. We will include or
summarize each comment in our request
to OMB to approve this ICR. Before
including your address, phone number,
email address, or other personal
identifying information in your
comment, you should be aware that
your entire comment—including your
personal identifying information—may
be made publicly available at any time.
While you may ask us in your comment
to withhold your personal identifying
information from public review, we
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[FR Doc. 2024–12449 Filed 6–5–24; 8:45 am]
BILLING CODE 3510–22–P
DEPARTMENT OF COMMERCE
Patent and Trademark Office
[Docket No.: PTO–P–2023–0043]
Inventorship Guidance for AI-Assisted
Inventions
United States Patent and
Trademark Office, Department of
Commerce.
ACTION: Examination guidance;
reopening of comment period.
AGENCY:
The United States Patent and
Trademark Office (USPTO) is reopening
the comment period, which ended on
May 13, 2024, for the guidance titled
‘‘Inventorship Guidance for AI-Assisted
Inventions’’ that was published in the
Federal Register on February 13, 2024.
DATES: The comment period for the
guidance published on February 13,
2024, at 89 FR 10043, is reopened until
June 20, 2024. Written comments must
be received on or before June 20, 2024.
The USPTO will also treat as timely any
comments received between May 13,
2024, and the publication date of this
notice.
ADDRESSES: Comments must be
submitted through the Federal
eRulemaking Portal at
www.regulations.gov. To submit
comments via the portal, enter docket
number PTO–P–2023–0043 on the
homepage and select ‘‘Search.’’ The site
will provide a search results page listing
all documents associated with this
docket. Find a reference to this
document and select the ‘‘Comment’’
icon, complete the required fields, and
enter or attach your comments.
Attachments to electronic comments
will be accepted in Adobe® portable
document format (PDF) and Microsoft
Word® format. Because comments will
be made available for public inspection,
information the submitter does not
desire to make public, such as an
address or phone number, should not be
included in the comments.
Visit the Federal eRulemaking Portal
for additional instructions on providing
comments via the portal. If electronic
submission of comments is not feasible
due to a lack of access to a computer
and/or the internet, please contact the
SUMMARY:
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48400
Federal Register / Vol. 89, No. 110 / Thursday, June 6, 2024 / Notices
USPTO using the contact information at
the FOR FURTHER INFORMATION CONTACT
section for special instructions.
FOR FURTHER INFORMATION CONTACT:
Matthew Sked, Senior Legal Advisor, at
571–272–7627; or Nalini Mummalaneni,
Senior Legal Advisor, at 571–270–1647,
both with the Office of Patent Legal
Administration, Office of the Deputy
Commissioner for Patents.
SUPPLEMENTARY INFORMATION: On
February 13, 2024, the USPTO
published guidance titled ‘‘Inventorship
Guidance for AI-Assisted Inventions,’’
to provide clarity for USPTO
stakeholders and personnel, including
the Central Reexamination Unit and the
Patent Trial and Appeal Board, on how
the USPTO will analyze inventorship
issues now that artificial intelligence
(AI) systems, including generative AI,
are playing a greater role in the
innovation process (89 FR 10043,
February 13, 2024). After the comment
period for the guidance closed, the
USPTO became aware of some
continued stakeholder interest in
submitting comments on the guidance.
Therefore, the USPTO is reopening the
written comment period for the
guidance to ensure that all stakeholders
have a sufficient opportunity to submit
comments. The USPTO will also treat as
timely any comments received between
the original comment period deadline of
May 13, 2024, and the publication date
of this notice.
Katherine K. Vidal,
Under Secretary of Commerce for Intellectual
Property and Director of the United States
Patent and Trademark Office.
[FR Doc. 2024–12429 Filed 6–5–24; 8:45 am]
BILLING CODE 3510–16–P
CONSUMER FINANCIAL PROTECTION
BUREAU
[Docket No. CFPB–2024–0021]
Request for Information Regarding
Fees Imposed in Residential Mortgage
Transactions
Consumer Financial Protection
Bureau.
ACTION: Request for information.
AGENCY:
The Consumer Financial
Protection Bureau (Bureau or CFPB) is
seeking information and comments from
the public related to fees charged by
providers of mortgages and related
settlement services.
DATES: Comments must be received on
or before August 2, 2024.
ADDRESSES: You may submit
information or comments, identified by
lotter on DSK11XQN23PROD with NOTICES1
SUMMARY:
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17:12 Jun 05, 2024
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Docket No. CFPB–2024–0021, by any of
the following methods:
• Federal eRulemaking Portal: https://
www.regulations.gov. Follow the
instructions for submitting comments.
• Email: 2024-RFIResidentialMortgageFees@CFPB.gov.
Include Docket No. CFPB–2024–0021 in
the subject line of the message.
• Mail/Hand Delivery/Courier:
Comment Intake—Residential Mortgage
Fees Assessment, Consumer Financial
Protection Bureau, 1700 G Street NW,
Washington, DC 20552.
Instructions: The Bureau encourages
the early submission of comments. All
submissions should include document
title and docket number. Please note the
number of the topic on which you are
commenting at the top of each response
(you do not need to address all topics).
Because paper mail in the Washington,
DC area and at the Bureau is subject to
delay, commenters are encouraged to
submit comments electronically. In
general, all comments received will be
posted without change to https://
www.regulations.gov.
All comments, including attachments
and other supporting materials, will
become part of the public record and
subject to public disclosure. Proprietary
information or sensitive personal
information, such as account numbers
or Social Security numbers, or names of
other individuals, should not be
included. Comments will not be edited
to remove any identifying or contact
information.
FOR FURTHER INFORMATION CONTACT:
George Karithanom, Regulatory
Implementation & Guidance Program
Analyst, Office of Regulations, at (202)
435–7700 or https://reginquiries.
consumerfinance.gov/. If you require
this document in an alternative
electronic format, please contact CFPB_
Accessibility@cfpb.gov.
SUPPLEMENTARY INFORMATION:
I. Background
People rely on mortgage loans to buy
their homes, tap home equity at key life
moments, and refinance those loans
when interest rates decline. Mortgages
come with many associated fees and
costs, referred to as ‘‘closing costs,’’ that
are due by the time the loan closes or
when the borrower signs the loan
agreement. These closing costs, and
particularly the costs the lender imposes
on the borrower as part of the cost of
getting the loan, have recently risen
sharply.1 From 2021 to 2023, median
total loan costs increased by over 36%
1 https://www.consumerfinance.gov/about-us/
blog/junk-fees-are-driving-up-housing-costs-thecfpb-wants-to-hear-from-you/.
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Sfmt 4703
on home purchase loans. The median
dollar amount paid by borrowers in
2022 was nearly $6,000 in these costs
and fees. This, along with increased
home prices and interest rates, have
placed increased pressure on borrowers’
budgets, contributing to a lack of access
to credit and decreased home
affordability. Many of these costs are
fixed and do not change based on the
size of the loan, resulting in an outsized
impact on borrowers with smaller
mortgages, such as lower income or
first-time homebuyers.2
Lenders are also impacted by rising
closing costs. The cost for credit scores,
credit reports, and employment
verification, for example, have all
increased markedly over the last few
years. Dominant market players have
driven up costs through annual price
increases that significantly outpace
inflation, leaving lenders with little
choice but to pay these higher rates.
These higher costs are passed on to the
consumer or eat into lenders’ bottom
lines, in a market where mortgage
originators are already facing financial
challenges.3 Lenders facing higher costs
for evaluating applicants due to
increasing costs for the basic
information in credit reports may
rationally choose to evaluate fewer
applicants, potentially resulting in
decreased access to credit.
Under Federal law and CFPB
regulations,4 borrowers receive
disclosures of closing costs through the
Loan Estimate and Closing Disclosure.5
These standardized disclosures list out
the closing costs and divide them into
loan costs and other costs.6 Loan costs
are further divided into required
services that the consumer can shop for
(such as lender’s title insurance) and
required services that cannot be
shopped for (such as credit reporting
costs). The largest disclosed closing
costs are origination fees paid to the
lender (including discount points). Title
fees (including title insurance, title
search, and settlement fees) are the next
largest category of closing costs (and
loan costs).7
2 https://www.fanniemae.com/research-andinsights/publications/barriers-entry-closing-costsfirst-time-and-low-income-homebuyers.
3 Lenders keep losing money on every loan
produced, MBA says √ National Mortgage News.
4 Truth in Lending Act, 15 U.S.C. 1601 et seq., 12
CFR part 1026 (regulation Z).
5 https://www.consumerfinance.gov/compliance/
compliance-resources/mortgage-resources/tilarespa-integrated-disclosures/forms-samples/.
6 Other costs include items such as recording fees,
homeowners’ insurance, and property taxes.
7 https://www.fanniemae.com/research-andinsights/publications/barriers-entry-closing-costsfirst-time-and-low-income-homebuyers.
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Agencies
[Federal Register Volume 89, Number 110 (Thursday, June 6, 2024)]
[Notices]
[Pages 48399-48400]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2024-12429]
-----------------------------------------------------------------------
DEPARTMENT OF COMMERCE
Patent and Trademark Office
[Docket No.: PTO-P-2023-0043]
Inventorship Guidance for AI-Assisted Inventions
AGENCY: United States Patent and Trademark Office, Department of
Commerce.
ACTION: Examination guidance; reopening of comment period.
-----------------------------------------------------------------------
SUMMARY: The United States Patent and Trademark Office (USPTO) is
reopening the comment period, which ended on May 13, 2024, for the
guidance titled ``Inventorship Guidance for AI-Assisted Inventions''
that was published in the Federal Register on February 13, 2024.
DATES: The comment period for the guidance published on February 13,
2024, at 89 FR 10043, is reopened until June 20, 2024. Written comments
must be received on or before June 20, 2024. The USPTO will also treat
as timely any comments received between May 13, 2024, and the
publication date of this notice.
ADDRESSES: Comments must be submitted through the Federal eRulemaking
Portal at www.regulations.gov. To submit comments via the portal, enter
docket number PTO-P-2023-0043 on the homepage and select ``Search.''
The site will provide a search results page listing all documents
associated with this docket. Find a reference to this document and
select the ``Comment'' icon, complete the required fields, and enter or
attach your comments. Attachments to electronic comments will be
accepted in Adobe[supreg] portable document format (PDF) and Microsoft
Word[supreg] format. Because comments will be made available for public
inspection, information the submitter does not desire to make public,
such as an address or phone number, should not be included in the
comments.
Visit the Federal eRulemaking Portal for additional instructions on
providing comments via the portal. If electronic submission of comments
is not feasible due to a lack of access to a computer and/or the
internet, please contact the
[[Page 48400]]
USPTO using the contact information at the FOR FURTHER INFORMATION
CONTACT section for special instructions.
FOR FURTHER INFORMATION CONTACT: Matthew Sked, Senior Legal Advisor, at
571-272-7627; or Nalini Mummalaneni, Senior Legal Advisor, at 571-270-
1647, both with the Office of Patent Legal Administration, Office of
the Deputy Commissioner for Patents.
SUPPLEMENTARY INFORMATION: On February 13, 2024, the USPTO published
guidance titled ``Inventorship Guidance for AI-Assisted Inventions,''
to provide clarity for USPTO stakeholders and personnel, including the
Central Reexamination Unit and the Patent Trial and Appeal Board, on
how the USPTO will analyze inventorship issues now that artificial
intelligence (AI) systems, including generative AI, are playing a
greater role in the innovation process (89 FR 10043, February 13,
2024). After the comment period for the guidance closed, the USPTO
became aware of some continued stakeholder interest in submitting
comments on the guidance. Therefore, the USPTO is reopening the written
comment period for the guidance to ensure that all stakeholders have a
sufficient opportunity to submit comments. The USPTO will also treat as
timely any comments received between the original comment period
deadline of May 13, 2024, and the publication date of this notice.
Katherine K. Vidal,
Under Secretary of Commerce for Intellectual Property and Director of
the United States Patent and Trademark Office.
[FR Doc. 2024-12429 Filed 6-5-24; 8:45 am]
BILLING CODE 3510-16-P