80 FR 38808 - Agency Information Collection Activities: Information Collection Renewal; Comment Request; Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the Currency Federal Register Volume 80, Issue 129 (July 7, 2015)
Office of the Comptroller of the Currency
Federal Register Volume 80, Issue 129 (July 7, 2015)
| Page Range | 38808-38809 | |
| FR Document | 2015-16538 |
[Federal Register Volume 80, Number 129 (Tuesday, July 7, 2015)] [Notices] [Pages 38808-38809] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2015-16538] ======================================================================= ----------------------------------------------------------------------- DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency Agency Information Collection Activities: Information Collection Renewal; Comment Request; Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Notice and request for comment. ----------------------------------------------------------------------- SUMMARY: The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to take this opportunity to comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995. An agency may not conduct or sponsor, and a respondent is not required to respond to, an information collection unless it displays a currently valid OMB control number. The OCC is soliciting comment concerning the renewal of its information collection titled, ``Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies under Section 312 of the Fair and Accurate Credit Transactions Act (FACT Act).'' DATES: Comments must be received by September 8, 2015. ADDRESSES: Because paper mail in the Washington, DC area and at the OCC is subject to delay, commenters are encouraged to submit comments by email, if possible. Comments may be sent to: Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, Attention: 1557-0238, 400 7th Street SW., Suite 3E-218, Mail Stop 9W-11, Washington, DC 20219. In addition, comments may be sent by fax to (571) 465-4326 or by electronic mail to prainfo@occ.treas.gov. You may personally inspect and photocopy comments at the OCC, 400 7th Street SW., Washington, DC 20219. For security reasons, the OCC requires that visitors make an appointment to inspect comments. You may do so by calling (202) 649-6700. Upon arrival, visitors will be required to present valid government-issued photo identification and submit to security screening in order to inspect and photocopy comments. All comments received, including attachments and other supporting materials, are part of the public record and subject to public disclosure. Do not enclose any information in your comment or supporting materials that you consider confidential or inappropriate for public disclosure. FOR FURTHER INFORMATION CONTACT: Shaquita Merritt, OCC Clearance Officer, (202) 649-5490, for persons who are deaf or hard of hearing, TTY, (202) 649-5597, Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, 400 7th Street, SW., Washington, DC 20219. SUPPLEMENTARY INFORMATION: Under the PRA (44 U.S.C. 3501-3520), Federal agencies must obtain approval from OMB for each collection of information they conduct or sponsor. ``Collection of information'' is defined in 44 U.S.C. 3502(3) and 5 CFR 1320.3(c) to include agency requests and requirements that members of the public submit reports, keep records, or provide information to a third party. Section 3506(c)(2)(A) of the PRA (44 U.S.C. 3506(c)(2)(A)) requires Federal agencies to provide a 60-day notice in the Federal Register concerning each proposed collection of [[Page 38809]] information, including each proposed extension of an existing collection of information, before submitting the collection to OMB for approval. To comply with this requirement, the OCC is publishing notice of the proposed extension of this collection of information. Title: Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies under Section 312 of the Fair and Accurate Credit Transactions Act (FACT Act). OMB Control No.: 1557-0238. Description: Section 312 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) required the issuance of guidelines for use by furnishers regarding the accuracy and integrity of the information about consumers that they furnish to consumer reporting agencies and to prescribe regulations requiring furnishers to establish reasonable policies and procedures for implementing the guidelines. Section 312 also required the issuance of regulations identifying the circumstances under which a furnisher must reinvestigate disputes about the accuracy of information contained in a consumer report based on a direct request from a consumer. Twelve CFR 1022.42(a) requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that they provide to a consumer reporting agency (CRA). Section 1022.43(a) permits consumers to initiate disputes directly with the furnishers in certain circumstances. Furnishers are required to have procedures to ensure that disputes received directly from consumers are handled in a substantially similar manner to those complaints received through CRAs. Section 1022.43(f)(2) incorporates the statutory requirement that a furnisher must notify a consumer by mail or other means (if authorized by the consumer) not later than five business days after making a determination that a dispute is frivolous or irrelevant. Section 1022.43(f) incorporates the statute's content requirements for the notices. Type of Review: Extension of a currently approved collection. Affected Public: Businesses or other for-profit. Estimated Number of Respondents: 1,464 respondents. Estimated Total Annual Burden: 185,443 hours. Comments submitted in response to this notice will be summarized, included in the request for OMB approval, and become a matter of public record. Comments are invited on: (a) Whether the collection of information is necessary for the proper performance of the functions of the OCC, including whether the information has practical utility; (b) The accuracy of the OCC's estimate of the burden of the collection of information; (c) Ways to enhance the quality, utility, and clarity of the information to be collected; (d) Ways to minimize the burden of the collection on respondents, including through the use of automated collection techniques or other forms of information technology; and (e) Estimates of capital or start-up costs and costs of operation, maintenance, and purchase of services to provide information. Dated: June 30, 2015. Mary H. Gottlieb, Regulatory Specialist, Legislative and Regulatory Activities Division. [FR Doc. 2015-16538 Filed 7-6-15; 8:45 am] BILLING CODE P
![38808 Federal Register / Vol. 80, No. 129 / Tuesday, July 7, 2015 / Notices
4. Approach and Strategy 9. Proof of Tax Exempt Status collection unless it displays a currently
• Describe the applicant’s plan of action/ 10. Assurances Signature Form valid OMB control number.
strategy for conducting the program in terms The OCC is soliciting comment
Complete the attached Standard Form
of the tasks to be performed. concerning the renewal of its
• Describe the specific services or 424B ASSURANCES–NON–
CONSTRUCTION PROGRAMS identified as information collection titled,
activities to be performed and how these ‘‘Procedures to Enhance the Accuracy
services/activities will be implemented. Attachment 1.
and Integrity of Information Furnished
• Describe innovative and creative 11. Certification Signature Forms
approaches to assist small businesses to to Consumer Reporting Agencies under
Complete form DOTF2307–1 DRUG-FREE Section 312 of the Fair and Accurate
become successful transportation contractors
WORKPLACE ACT CERTIFICATION FOR a Credit Transactions Act (FACT Act).’’
and increase their ability to access DOT
contracting opportunities and financial GRANTEE OTHER THAN AN INDIVIDUAL
DATES: Comments must be received by
assistance programs. identified as attachment 2 and Form
DOTF2308–1 CERTIFICATION REGARDING September 8, 2015.
• Estimated direct costs, other than labor,
LOBBYING FOR CONTRACTS, GRANTS, ADDRESSES: Because paper mail in the
to execute the proposed strategy.
LOANS, AND COOPERATIVE Washington, DC area and at the OCC is
5. Linkages AGREEMENTS identified as Attachment 3. subject to delay, commenters are
• Describe established relationships within Signed Conflict of Interest Statements encouraged to submit comments by
the geographic region and demonstrate the email, if possible. Comments may be
The statements must say that they, or
ability to coordinate and establish effective sent to: Legislative and Regulatory
members of their immediate families, do not
networks with DOT grant recipients and Activities Division, Office of the
have a personal, business or financial interest
local/regional technical assistance agencies.
• Describe the strategy to obtain support
in any DOT-funded transportation projects, Comptroller of the Currency, Attention:
and collaboration on SBTRC activities from nor any relationships with local or state 1557–0238, 400 7th Street SW., Suite
DOT grantees and recipients, transportation transportation agencies that may have the 3E–218, Mail Stop 9W–11, Washington,
prime contractors and subcontractors, the appearance of a conflict of interest. DC 20219. In addition, comments may
SBA, U.S. Department of Commerce’s 12. Standard Form 424 be sent by fax to (571) 465–4326 or by
Minority Business Development Centers electronic mail to prainfo@occ.treas.gov.
(MBDCs), Service Corps of Retired Executives Complete Standard Form 424 Application
for Federal Assistance identified as You may personally inspect and
(SCORE), Procurement Technical Assistance photocopy comments at the OCC, 400
Centers (PTACs), Small Business Attachment 4.
Development Centers (SBDCs), State DOTs, PLEASE BE SURE THAT ALL FORMS 7th Street SW., Washington, DC 20219.
and State highway supportive services HAVE BEEN SIGNED BY AN AUTHORIZED For security reasons, the OCC requires
contractors. OFFICIAL WHO CAN LEGALLY that visitors make an appointment to
• Describe the outreach strategy related to REPRESENT THE ORGANIZATION. inspect comments. You may do so by
the identified needs that can be successfully Issued in Washington, DC, June 15, 2015. calling (202) 649–6700. Upon arrival,
carried out within the period of this Brandon Neal, visitors will be required to present valid
agreement and a plan for involving the government-issued photo identification
Planning Committee in the execution of that Director, Office of Small and Disadvantaged
Business Utilization, Office of the Secretary, and submit to security screening in
strategy.
U.S. Department of Transportation. order to inspect and photocopy
6. Organizational Capability [FR Doc. 2015–16183 Filed 7–6–15; 8:45 am] comments.
• Describe recent and relevant past BILLING CODE 4910–9X–P
All comments received, including
successful performance in addressing the attachments and other supporting
needs of small businesses, particularly with materials, are part of the public record
respect to transportation-related small and subject to public disclosure. Do not
businesses. DEPARTMENT OF THE TREASURY
enclose any information in your
• Describe internal technical, financial comment or supporting materials that
management, and administrative resources. Office of the Comptroller of the
• Propose a plan for sufficient matching Currency you consider confidential or
alternative financial resources to fund the inappropriate for public disclosure.
general and administrative costs of the Agency Information Collection FOR FURTHER INFORMATION CONTACT:
SBTRC. Activities: Information Collection Shaquita Merritt, OCC Clearance
7. Staff Capability and Experience
Renewal; Comment Request; Officer, (202) 649–5490, for persons
Procedures To Enhance the Accuracy who are deaf or hard of hearing, TTY,
• List proposed key personnel, their and Integrity of Information Furnished
salaries and proposed fringe benefit factors.
(202) 649–5597, Legislative and
• Describe the education, qualifications to Consumer Reporting Agencies Regulatory Activities Division, Office of
and relevant experience of key personnel. Under Section 312 of the Fair and the Comptroller of the Currency, 400 7th
Attach detailed resumes. Accurate Credit Transactions Act Street, SW., Washington, DC 20219.
• Proposed staffing plan. Describe how SUPPLEMENTARY INFORMATION: Under the
personnel are to be organized for the program
AGENCY: Office of the Comptroller of the
Currency, Treasury. PRA (44 U.S.C. 3501–3520), Federal
and how they will be used to accomplish agencies must obtain approval from
program objectives. Outline staff ACTION: Notice and request for comment.
responsibilities, accountability and a OMB for each collection of information
schedule for conducting program tasks. SUMMARY: The OCC, as part of its they conduct or sponsor. ‘‘Collection of
continuing effort to reduce paperwork information’’ is defined in 44 U.S.C.
8. Cost Proposal 3502(3) and 5 CFR 1320.3(c) to include
and respondent burden, invites the
• Outline the total proposed cost of general public and other Federal agency requests and requirements that
establishing and administering the SBTRC in
tkelley on DSK3SPTVN1PROD with NOTICES
agencies to take this opportunity to members of the public submit reports,
the applicant’s geographical region for a 12 keep records, or provide information to
comment on a continuing information
month period, inclusive of costs funded
through alternative matching resources. collection, as required by the Paperwork a third party. Section 3506(c)(2)(A) of
Clearly identify the portion of the costs Reduction Act of 1995. the PRA (44 U.S.C. 3506(c)(2)(A))
funded by OSDBU. An agency may not conduct or requires Federal agencies to provide a
• Provide a brief narrative linking the cost sponsor, and a respondent is not 60-day notice in the Federal Register
proposal to the proposed strategy. required to respond to, an information concerning each proposed collection of
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![Federal Register / Vol. 80, No. 129 / Tuesday, July 7, 2015 / Notices 38809
information, including each proposed approval, and become a matter of public Washington, DC 20219. Members of the
extension of an existing collection of record. Comments are invited on: public may submit written statements to
information, before submitting the (a) Whether the collection of MSAAC@occ.treas.gov or by mailing
collection to OMB for approval. To information is necessary for the proper them to Michael R. Brickman,
comply with this requirement, the OCC performance of the functions of the Designated Federal Officer, Mutual
is publishing notice of the proposed OCC, including whether the information Savings Association Advisory
extension of this collection of has practical utility; Committee, Office of the Comptroller of
information. (b) The accuracy of the OCC’s the Currency, 400 7th Street SW.,
Title: Procedures to Enhance the estimate of the burden of the collection Washington, DC 20219.
Accuracy and Integrity of Information of information;
Furnished to Consumer Reporting (c) Ways to enhance the quality, FOR FURTHER INFORMATION CONTACT:
Agencies under Section 312 of the Fair utility, and clarity of the information to Michael R. Brickman, Deputy
and Accurate Credit Transactions Act be collected; Comptroller for Thrift Supervision,
(FACT Act). (d) Ways to minimize the burden of (202) 649–5420, Office of the
OMB Control No.: 1557–0238. the collection on respondents, including Comptroller of the Currency,
Description: Section 312 of the Fair through the use of automated collection Washington, DC 20219.
and Accurate Credit Transactions Act of techniques or other forms of information
2003 (FACT Act) required the issuance technology; and SUPPLEMENTARY INFORMATION: By this
of guidelines for use by furnishers (e) Estimates of capital or start-up notice, the OCC is announcing that the
regarding the accuracy and integrity of costs and costs of operation, MSAAC will convene a meeting on
the information about consumers that maintenance, and purchase of services Wednesday, July 22, 2015, at the OCC’s
they furnish to consumer reporting to provide information. offices at 400 7th Street SW.,
agencies and to prescribe regulations Dated: June 30, 2015. Washington, DC 20219. The meeting is
requiring furnishers to establish Mary H. Gottlieb,
open to the public and will begin at 1:00
reasonable policies and procedures for p.m. EDT. The purpose of the meeting
Regulatory Specialist, Legislative and
implementing the guidelines. Section Regulatory Activities Division. is for the MSAAC to advise the OCC on
312 also required the issuance of the regulatory changes or other steps the
[FR Doc. 2015–16538 Filed 7–6–15; 8:45 am]
regulations identifying the OCC may be able to take to ensure the
BILLING CODE P
circumstances under which a furnisher continued health and viability of mutual
must reinvestigate disputes about the savings associations and other issues of
accuracy of information contained in a concern to existing mutual savings
DEPARTMENT OF THE TREASURY
consumer report based on a direct associations. The agenda includes a
request from a consumer. Office of the Comptroller of the discussion of current topics of interest
Twelve CFR 1022.42(a) requires Currency to the industry.
furnishers to establish and implement
reasonable written policies and [Docket ID: OCC–2015–0014] Members of the public who plan to
procedures regarding the accuracy and attend the meeting should contact the
integrity of consumer information that Mutual Savings Association Advisory OCC by 5:00 p.m. EDT on Wednesday,
they provide to a consumer reporting Committee July 15, 2015, to inform the OCC of their
agency (CRA). AGENCY: Office of the Comptroller of the desire to attend the meeting and to
Section 1022.43(a) permits consumers Currency, Department of the Treasury. provide information that will be
to initiate disputes directly with the ACTION: Notice of Federal Advisory required to facilitate entry into the
furnishers in certain circumstances. Committee Meeting. meeting. Members of the public may
Furnishers are required to have contact the OCC via email at MSAAC@
procedures to ensure that disputes SUMMARY: The Office of the Comptroller OCC.treas.gov or by telephone at (202)
received directly from consumers are of the Currency (OCC) announces a 649–5420. Attendees should provide
handled in a substantially similar meeting of the Mutual Savings their full name, email address, and
manner to those complaints received Association Advisory Committee organization, if any. For security
through CRAs. (MSAAC). reasons, attendees will be subject to
Section 1022.43(f)(2) incorporates the
DATES: A public meeting of the MSAAC security screening procedures and must
statutory requirement that a furnisher
will be held on Wednesday, July 22, present a valid government-issued
must notify a consumer by mail or other
2015, beginning at 1:00 p.m. Eastern identification to enter the building.
means (if authorized by the consumer)
Daylight Time (EDT). Members of the Members of the public who are deaf or
not later than five business days after
public may submit written statements to hard of hearing should call (202) 649–
making a determination that a dispute is
the MSAAC. The OCC must receive 5597 (TTY) by 5:00 p.m. EDT
frivolous or irrelevant. Section
written statements no later than Wednesday, July 15, 2015, to arrange
1022.43(f) incorporates the statute’s
Wednesday, July 15, 2015. Members of auxiliary aids such as sign language
content requirements for the notices.
Type of Review: Extension of a the public who plan to attend the interpretation for this meeting.
currently approved collection. meeting, and members of the public
who may require auxiliary aids, should Dated: June 29, 2015.
Affected Public: Businesses or other
contact the OCC by 5:00 p.m. EDT on Thomas J. Curry,
for-profit.
tkelley on DSK3SPTVN1PROD with NOTICES
Estimated Number of Respondents: Wednesday, July 15, 2015, to inform the Comptroller of the Currency.
1,464 respondents. OCC of their interest in attending the [FR Doc. 2015–16534 Filed 7–6–15; 8:45 am]
Estimated Total Annual Burden: meeting and to provide the information BILLING CODE 4810–33–P
185,443 hours. that will be required to facilitate aid.
Comments submitted in response to ADDRESSES: The OCC will hold the July
this notice will be summarized, 22, 2015 meeting of the MSAAC at the
included in the request for OMB OCC’s offices at 400 7th Street SW.,
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Document Created: 2015-12-15 13:27:46
Document Modified: 2015-12-15 13:27:46
| Category | Regulatory Information | |
| Collection | Federal Register | |
| sudoc Class | AE 2.7: GS 4.107: AE 2.106: | |
| Publisher | Office of the Federal Register, National Archives and Records Administration | |
| Section | Notices | |
| Action | Notice and request for comment. | |
| Dates | Comments must be received by September 8, 2015. | |
| Contact | Shaquita Merritt, OCC Clearance Officer, (202) 649-5490, for persons who are deaf or hard of hearing, TTY, (202) 649-5597, Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, 400 7th Street, SW., Washington, DC 20219. | |
| FR Citation | 80 FR 38808 |
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