80 FR 57154 - Notice of Availability of Translated Consumer Information Booklet
BUREAU OF CONSUMER FINANCIAL PROTECTION Federal Register Volume 80, Issue 183 (September 22, 2015)
Federal Register Volume 80, Issue 183 (September 22, 2015)
| Page Range | 57154-57155 | |
| FR Document | 2015-24031 |
[Federal Register Volume 80, Number 183 (Tuesday, September 22, 2015)] [Notices] [Pages 57154-57155] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2015-24031] ======================================================================= ----------------------------------------------------------------------- BUREAU OF CONSUMER FINANCIAL PROTECTION Notice of Availability of Translated Consumer Information Booklet AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice of availability. ----------------------------------------------------------------------- SUMMARY: The Bureau of Consumer Financial Protection (Bureau) announces the availability of a Spanish-language translation of a consumer publication, the Home Buying Information Booklet, also known as the Special Information Booklet or the Settlement Cost Booklet, required under the Real Estate Settlement Procedures Act (RESPA), Regulation X, and Regulation Z. The title of this publication is Su conjunto de herramientas para pr[eacute]stamos hipotecarios: Gu[iacute]a paso a paso (English title: Your home loan toolkit: a step-by-step guide). ADDRESSES: The Spanish translation of the consumer publication is available for download on the Bureau's Web site at www.consumerfinance.gov/learnmore and can also be found in the Catalog of U.S. Government Publications (http://catalog.thefederalregister.org), maintained by Superintendent of Documents, U.S. Government Publishing Office, Washington, DC 20402. FOR FURTHER INFORMATION CONTACT: Julie Vore, Originations Analyst, Office of Mortgage Markets; or David Friend, Counsel, Office of Regulations; [email protected] or (202) 435-7700. SUPPLEMENTARY INFORMATION: The Bureau is publishing this notice of availability to inform the public of a Spanish-language translation of the recently revised Home Buying Information Booklet (Booklet). Background and contents of the Booklet were provided in the Notice of availability of the English-language version of the Booklet in 80 FR 17414, on April 1, 2015. Distribution and Use of the Translated Toolkit The Bureau views this Booklet as part of the Bureau's broader mission to educate consumers about consumer financial products. The Booklet was revised to, among other things, improve its readability and usability and link to the Bureau's Web site for tools and resources that consumers can use to make better-informed decisions about homeownership. Pursuant to 12 CFR 1026.19(g)(2), creditors may not make changes to, deletions from, or additions to the Booklet, other than certain types of changes to the cover page. Under 12 U.S.C. 2604(a), the Bureau is required to prepare a booklet to help consumers applying for federally related mortgage loans to understand the nature and costs of real estate settlement services. Under 12 U.S.C. 2604(d) and 12 CFR 1024.6(d) and 1026.19(g), each lender is required to provide the Booklet to each person from whom it receives an application for certain mortgage loans. The statute and regulations require the lender to deliver the Booklet or place it in the mail not later than three business days after the lender receives an application. Lenders are required to provide the Booklet in the version that is most appropriate for the person receiving it. 12 U.S.C. 2604(d). Just as with the revised English-language version announced on March 31, 2015, the Spanish-language version of the Booklet has been designed to help consumers make better-informed decisions about homeownership and understand the nature and costs of real estate settlement services. The Bureau encourages all mortgage market participants (including real estate agents, homeownership counselors, and mortgage brokers, for example) to provide the Booklet to consumers at any time, preferably as early in the home- or mortgage-shopping process as possible. Those who provide the Booklet should be aware that both the revised English and Spanish-language versions include information on the new Loan Estimate and Closing Disclosure that generally is required to be provided to consumers for applications for federally related mortgage loans that are received on or after October 3, 2015. Accordingly, the Bureau believes that [[Page 57155]] the English and Spanish versions of the Booklet, entitled Your home loan toolkit: A step-by-step guide or Su conjunto de herramientas para pr[eacute]stamos hipotecarios: Gu[iacute]a paso a paso, respectively, should be used only after that date. The Bureau also announces that it has fixed a typographical error in the ``small'' English-language version of the Booklet. This error was nonsubstantive: A duplicate sentence located on page 44. The corrected version is now available on the Bureau's Web site as well as in the Catalog of U.S. Government Publications. Dated: September 14, 2015. Richard Cordray, Director, Bureau of Consumer Financial Protection. [FR Doc. 2015-24031 Filed 9-21-15; 8:45 am] BILLING CODE 4810-AM-P
![57154 Federal Register / Vol. 80, No. 183 / Tuesday, September 22, 2015 / Notices
power, health system strengthening, (http://trade.gov/pac-dbia) without availability to inform the public of a
regional cooperation, agricultural value change, including any business or Spanish-language translation of the
chain, training, entrepreneurship, and personal information provided such as recently revised Home Buying
women in business. The final agenda names, addresses, email addresses, or Information Booklet (Booklet).
will be posted at least one week in telephone numbers. All statements Background and contents of the Booklet
advance of the meeting on the Council’s received, including attachments and were provided in the Notice of
Web site at http://trade.gov/pac-dbia. other supporting materials, are part of availability of the English-language
DATES: October 14, 2015 at 9:30 a.m. the public record and subject to public version of the Booklet in 80 FR 17414,
(ET). disclosure. You should submit only on April 1, 2015.
information that you wish to make
ADDRESSES: The President’s Advisory Distribution and Use of the Translated
publicly available.
Council on Doing Business in Africa Meeting minutes: Copies of the Toolkit
meeting will be broadcast via live Council’s meeting minutes will be The Bureau views this Booklet as part
webcast on the Internet at http:// available within ninety (90) days of the of the Bureau’s broader mission to
whitehouse.gov/live. meeting on the Council’s Web site at educate consumers about consumer
FOR FURTHER INFORMATION CONTACT: http://trade.gov/pac-dbia. financial products. The Booklet was
Tricia Van Orden, Executive Secretary, revised to, among other things, improve
Dated: September 17, 2015.
President’s Advisory Council on Doing its readability and usability and link to
Business in Africa, Room 4043, 1401 Tricia Van Orden,
the Bureau’s Web site for tools and
Constitution Avenue NW., Washington, Executive Secretary, President’s Advisory
resources that consumers can use to
Council on Doing Business in Africa.
DC, 20230, telephone: 202–482–5876, make better-informed decisions about
email: dbia@trade.gov. [FR Doc. 2015–24079 Filed 9–21–15; 8:45 am] homeownership. Pursuant to 12 CFR
SUPPLEMENTARY INFORMATION: BILLING CODE 3510–DR–P 1026.19(g)(2), creditors may not make
Background: President Barack Obama changes to, deletions from, or additions
directed the Secretary of Commerce to to the Booklet, other than certain types
establish the President’s Advisory BUREAU OF CONSUMER FINANCIAL of changes to the cover page.
Council on Doing Business in Africa by PROTECTION Under 12 U.S.C. 2604(a), the Bureau
Executive Order No. 13675 dated is required to prepare a booklet to help
August 5, 2014. The Council was Notice of Availability of Translated consumers applying for federally related
established by Charter on November 3, Consumer Information Booklet mortgage loans to understand the nature
2014, to advise the President, through and costs of real estate settlement
AGENCY: Bureau of Consumer Financial
the Secretary of Commerce, on services. Under 12 U.S.C. 2604(d) and
Protection.
strengthening commercial engagement 12 CFR 1024.6(d) and 1026.19(g), each
ACTION: Notice of availability.
between the United States and Africa, lender is required to provide the Booklet
with a focus on advancing the SUMMARY: The Bureau of Consumer to each person from whom it receives an
President’s Doing Business in Africa Financial Protection (Bureau) application for certain mortgage loans.
Campaign as described in the U.S. announces the availability of a Spanish- The statute and regulations require the
Strategy Toward Sub-Saharan Africa of language translation of a consumer lender to deliver the Booklet or place it
June 14, 2012. This Council is publication, the Home Buying in the mail not later than three business
established in accordance with the Information Booklet, also known as the days after the lender receives an
provisions of the Federal Advisory Special Information Booklet or the application. Lenders are required to
Committee Act (FACA), as amended, 5 Settlement Cost Booklet, required under provide the Booklet in the version that
U.S.C. App. the Real Estate Settlement Procedures is most appropriate for the person
Public Submissions: The public is Act (RESPA), Regulation X, and receiving it. 12 U.S.C. 2604(d). Just as
invited to submit written statements to Regulation Z. The title of this with the revised English-language
the President’s Advisory Council on publication is Su conjunto de version announced on March 31, 2015,
Doing Business in Africa. Statements herramientas para préstamos the Spanish-language version of the
must be received by COB October 9, hipotecarios: Guı́a paso a paso (English Booklet has been designed to help
2015, by either of the following title: Your home loan toolkit: a step-by- consumers make better-informed
methods: step guide). decisions about homeownership and
understand the nature and costs of real
ADDRESSES: The Spanish translation of
a. Electronic Submissions estate settlement services. The Bureau
the consumer publication is available
Submit statements electronically to encourages all mortgage market
for download on the Bureau’s Web site
Tricia Van Orden, Executive Secretary, participants (including real estate
at www.consumerfinance.gov/learnmore
President’s Advisory Council on Doing agents, homeownership counselors, and
and can also be found in the Catalog of
Business in Africa, via email: dbia@ mortgage brokers, for example) to
U.S. Government Publications (http://
trade.gov. provide the Booklet to consumers at any
catalog.gpo.gov), maintained by
time, preferably as early in the home- or
b. Paper Submissions Superintendent of Documents, U.S.
mortgage-shopping process as possible.
Government Publishing Office, Those who provide the Booklet
Send paper statements to Tricia Van
Washington, DC 20402. should be aware that both the revised
Orden, Executive Secretary, President’s
FOR FURTHER INFORMATION CONTACT: Julie English and Spanish-language versions
Advisory Council on Doing Business in
Vore, Originations Analyst, Office of
tkelley on DSK3SPTVN1PROD with NOTICES
Africa, Room 4043, 1401 Constitution include information on the new Loan
Avenue NW., Washington, DC, 20230. Mortgage Markets; or David Friend, Estimate and Closing Disclosure that
Statements will be provided to the Counsel, Office of Regulations; CFPB_ generally is required to be provided to
members in advance of the meeting for reginquiries@cfpb.gov or (202) 435– consumers for applications for federally
consideration and also will be posted on 7700. related mortgage loans that are received
the President’s Advisory Council on SUPPLEMENTARY INFORMATION: The on or after October 3, 2015.
Doing Business in Africa Web site Bureau is publishing this notice of Accordingly, the Bureau believes that
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![Federal Register / Vol. 80, No. 183 / Tuesday, September 22, 2015 / Notices 57155
the English and Spanish versions of the 13441–4514. Telephone: (315) 330– comment. The Air Force plans to use
Booklet, entitled Your home loan 2087; Facsimile (315) 330–7583. the NEPA scoping process to also fulfill
toolkit: A step-by-step guide or Su the requirements of the NHPA Section
Henry Williams,
conjunto de herramientas para 106 implementing regulations by
Acting, Air Force Federal Register Liaison
préstamos hipotecarios: Guı́a paso a seeking public input on historic
Officer.
paso, respectively, should be used only preservation issues and concerns.
[FR Doc. 2015–23989 Filed 9–21–15; 8:45 am]
after that date. The scoping meeting will be held
BILLING CODE 5001–10–P
Wednesday, October 14, 2015, from 6:00
The Bureau also announces that it has p.m. to 8:30 p.m. ADT, at Tyson
fixed a typographical error in the Elementary School, 2801 Richmond
‘‘small’’ English-language version of the DEPARTMENT OF DEFENSE
Avenue, Anchorage, Alaska.
Booklet. This error was nonsubstantive: Public scoping comments will be
A duplicate sentence located on page Department of the Air Force
accepted in writing at the scoping
44. The corrected version is now Notice of Intent To Prepare an meetings. Additional scoping comments
available on the Bureau’s Web site as Environmental Impact Statement on will be accepted at any time during the
well as in the Catalog of U.S. the Proposal To Improve F–22 EIS process. However, in order to ensure
Government Publications. Operational Efficiency at Joint Base the Air Force has sufficient time to
Dated: September 14, 2015. Elmendorf-Richardson, Alaska consider public input, scoping
comments should arrive at the address
Richard Cordray, AGENCY: United States Air Force, Pacific below by October 27, 2015.
Director, Bureau of Consumer Financial Air Forces.
FOR FURTHER INFORMATION CONTACT:
Protection. ACTION: Notice of intent.
JBER Public Affairs, Bldg. 10480 Sijan
[FR Doc. 2015–24031 Filed 9–21–15; 8:45 am]
SUMMARY: Pursuant to the National Ave., Suite 123, JBER, AK 99506
BILLING CODE 4810–AM–P
Environmental Policy Act (NEPA) of telephone: 907–552–8151 or email:
1969, as amended (42 U.S.C. 4321, et jber.pa.3@us.af.mil.
seq.), the Council on Environmental Henry Williams,
Quality (CEQ) Regulations for
DEPARTMENT OF DEFENSE Acting Air Force Federal Register Liaison
Implementing the Procedural Provisions Officer.
Department of the Air Force of NEPA (40 CFR parts 1500–1508), and [FR Doc. 2015–23988 Filed 9–21–15; 8:45 am]
Air Force policy and procedures (32
BILLING CODE 5001–10–P
US Air Force Partially Patent License CFR part 989), the Air Force is issuing
this notice to advise the public of the
AGENCY: Air Force Research Laboratory intent to prepare an Environmental DEPARTMENT OF DEFENSE
Information Directorate, Rome, New Impact Statement (EIS) for proposed F–
York, Department of the Air Force. 22 operational efficiency improvements Department of the Army
at Joint Base Elmendorf-Richardson
ACTION: Notice of intent to issue a (JBER). Army Science Board Partially Closed
partially exclusive patent license. The proposed action is to improve F– Meeting Notice
22 operational efficiency; there is no
SUMMARY: Pursuant to the provisions of proposed change in the number of AGENCY: Department of the Army, DoD.
part 404 of Title 37, Code of Federal aircraft at JBER nor in the ongoing ACTION:Notice of a partially closed
Regulations, which implements Public military training in existing Alaska meeting.
Law 96–517, as amended, the training airspace. Six alternatives that
SUMMARY: Pursuant to the Federal
Department of the Air Force announces have been initially identified include
Advisory Committee Act of 1972, the
its intention to grant Exelis Inc., a changes in runway use and/or airfield
Government in the Sunshine Act of
wholly owned subsidiary of Harris infrastructure and maintenance. The EIS
1976 and title 41 of the Code of Federal
Corporation, Mission Sustainment will address potential impacts resulting
Regulations, the Department of the
Division, a corporation of Indiana, from implementation of the alternatives.
Army announces a meeting of the Army
having a place of business at 474 The No Action Alternative is the
Science Board.
Phoenix Drive, Rome, New York 13441, runway use conditions from the F–22
Plus-Up Environmental Assessment FOR FURTHER INFORMATION CONTACT:
a partially exclusive license in any right, Army Science Board, Designated
(EA) and Finding of No Significant
title and interest the United States Air Federal Officer, 2530 Crystal Drive,
Impacts (FONSI) published, June 2011.
Force has in: U.S. Patent No. 8,732,100, Scoping: In order to define the full Suite 7098, Arlington, VA 22202; LTC
issued on May 20th, 2014 entitled range of issues to be evaluated in the Stephen K. Barker, the committee’s
‘‘Method and Apparatus for Event EIS, the Air Force will determine the Designated Federal Officer (DFO), at
Detection Permitting Per Event scope of the analysis by soliciting (703) 545–8652 or email:
Adjustment of False Alarm Rate.’’ comments from interested local, state stephen.k.barker.mil@mail.mil, or Mr.
and federal elected officials and Paul Woodward at (703) 695–8344 or
FOR FURTHER INFORMATION CONTACT: An
agencies, as well as interested members email: paul.j.woodward2.civ@mail.mil.
exclusive license for this patent will be
granted unless a written objection is of the public. This NOI also serves to SUPPLEMENTARY INFORMATION: Pursuant
tkelley on DSK3SPTVN1PROD with NOTICES
received within fifteen (15) days from provide early notice of compliance with to the Federal Advisory Committee Act
the date of publication of this Notice. Executive Order (EO) 11990, ‘‘Protection of 1972 (5 U.S.C., Appendix, as
of Wetlands’’ and EO 11988, amended), the Government in the
Written objections should be sent to: Air
‘‘Floodplain Management.’’ State and Sunshine Act of 1976 (U.S.C. 552b, as
Force Research Laboratory, Office of the
federal regulatory agencies with special amended) and 41 Code of Federal
Staff Judge Advocate, AFRL/RIJ, 26
expertise in wetlands and floodplains Regulations (CFR) § 102–3.140 through
Electronic Parkway, Rome, New York have been contacted to request 160, the Department of the Army
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Document Created: 2015-12-15 09:35:48
Document Modified: 2015-12-15 09:35:48
| 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 of availability. | |
| Contact | Julie Vore, Originations Analyst, Office of Mortgage Markets; or David Friend, Counsel, Office of Regulations; [email protected] or (202) 435-7700. | |
| FR Citation | 80 FR 57154 |
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