80_FR_69116 80 FR 68901 - Agency Information Collection; Submission for OMB Review; Joint Comment Request; Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies

80 FR 68901 - Agency Information Collection; Submission for OMB Review; Joint Comment Request; Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies

DEPARTMENT OF THE TREASURY
Comptroller of Currency
FEDERAL RESERVE SYSTEM
FEDERAL DEPOSIT INSURANCE CORPORATION
BUREAU OF CONSUMER FINANCIAL PROTECTION
SECURITIES AND EXCHANGE COMMISSION

Federal Register Volume 80, Issue 215 (November 6, 2015)

Page Range68901-68904
FR Document2015-28369

The OCC, FDIC, CFPB, and SEC (each, an Agency and collectively, the Agencies) have submitted to OMB a request for approval under the PRA of the collection of information discussed below. The Board (also an Agency and included in Agencies) reviewed the joint notice under the authority delegated to the Board by OMB. 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.

Federal Register, Volume 80 Issue 215 (Friday, November 6, 2015)
[Federal Register Volume 80, Number 215 (Friday, November 6, 2015)]
[Notices]
[Pages 68901-68904]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2015-28369]



[[Page 68901]]

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DEPARTMENT OF THE TREASURY

Office of the Comptroller of Currency

FEDERAL RESERVE SYSTEM

[Docket No. OP-1465]

FEDERAL DEPOSIT INSURANCE CORPORATION

BUREAU OF CONSUMER FINANCIAL PROTECTION

SECURITIES AND EXCHANGE COMMISSION


Agency Information Collection; Submission for OMB Review; Joint 
Comment Request; Joint Standards for Assessing the Diversity Policies 
and Practices of Entities Regulated by the Agencies

AGENCY: Office of the Comptroller of the Currency (OCC); Board of 
Governors of the Federal Reserve System (Board); Federal Deposit 
Insurance Corporation (FDIC); Bureau of Consumer Financial Protection 
(CFPB); and Securities and Exchange Commission (SEC).

ACTION: Joint notice, request for comment, and notice of information 
collection to be submitted to the Office of Management and Budget (OMB) 
for review and approval under the Paperwork Reduction Act of 1995 
(PRA).

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SUMMARY: The OCC, FDIC, CFPB, and SEC (each, an Agency and 
collectively, the Agencies) have submitted to OMB a request for 
approval under the PRA of the collection of information discussed 
below. The Board (also an Agency and included in Agencies) reviewed the 
joint notice under the authority delegated to the Board by OMB. 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.

DATES: Comments must be submitted on or before December 7, 2015.

ADDRESSES: Interested parties are invited to submit written comments to 
any or all of the Agencies. All comments received will be shared among 
the Agencies.
    OCC: 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-NEW, 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 [email protected].
    In general, OCC will enter all comments received into the docket 
and publish them on the www.reginfo.gov Web site without change, 
including any business or personal information that you provide such as 
name and address information, email addresses, or phone numbers. 
Comments received, including attachments and other supporting 
materials, are part of the public record and subject to public 
disclosure. Do not include any information in your comment or 
supporting materials that you consider confidential or inappropriate 
for public disclosure.
    You may personally inspect and photocopy comments by visiting the 
OCC at 400 7th Street SW., Washington, DC 20219. For security reasons, 
the OCC requires that visitors make an appointment to inspect comments. 
You may make an appointment by calling (202) 649-6700 or, for persons 
who are deaf or hard of hearing, TTY (202) 649-5597. Upon arrival, 
visitors will be required to present valid government-issued photo 
identification and submit to a security screening, prior to inspecting 
and photocopying comments.
    Board: You may submit comments, identified by ``OMWI Policy 
Statement,'' by any of the following methods:
     Agency Web site: http://www.federalreserve.gov. Follow the 
instructions for submitting comments at http://www.federalreserve.gov/apps/foia/proposedregs.aspx.
     Federal eRulemaking Portal: http://www.regulations.gov. 
Follow the instructions for submitting comments.
     Email: [email protected].
     FAX: (202) 452-3819 or (202) 452-3102.
     Mail: Robert deV. Frierson, Secretary, Board of Governors 
of the Federal Reserve System, 20th Street and Constitution Avenue NW., 
Washington, DC 20551.
    All public comments are available from the Board's Web site at 
http://www.federalreserve.gov/apps/foia/proposedregs.aspx as submitted, 
unless modified for technical reasons. Accordingly, your comments will 
not be edited to remove any identifying or contact information. Public 
comments may also be viewed electronically or in paper form in Room MP-
500 of the Board's Martin Building (20th and C Streets NW.) between 
9:00 a.m. and 5:00 p.m. on weekdays.
    FDIC: You may submit comments on this information collection, which 
should refer to ``Joint Standards for Assessing Diversity Policies and 
Practices,'' by any of the following methods:
     Agency Web site: http://www.fdic.gov/regulations/laws/federal/. Follow the instructions for submitting comments on the FDIC 
Web site.
     Email: [email protected]. Include ``Joint Standards for 
Assessing Diversity Policies and Practices'' in the subject line of the 
message.
     Mail: Gary A. Kuiper, Counsel, MB-3074, Federal Deposit 
Insurance Corporation, 550 17th Street NW., Washington, DC 20429.
    CFPB: You may submit comments, identified by the title of the 
information collection, ``Joint Standards for Assessing the Diversity 
Policies and Practices of Entities Regulated by the Agencies,'' or by 
the docket number (see below) using any of the following methods:
     Electronic: http://www.regulations.gov (Docket Number: 
CFPB-2015-0042). Follow the instructions for submitting comments.
     Mail: Consumer Financial Protection Bureau (Attention: PRA 
Office), 1700 G Street NW., Washington, DC 20552.
     Hand Delivery/Courier: Consumer Financial Protection 
Bureau (Attention: PRA Office), 1275 First Street NE., Washington, DC 
20002.
    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.
    SEC: Please direct your written comments to Pamela Dyson, Chief 
Information Officer, Securities and Exchange Commission, c/o Remi 
Pavlik-Simon, 100 F Street NE., Washington, DC 20549, or send an email 
to [email protected] with ``SEC File 270-664 OMWI Policy Statement'' 
in the subject line of the message.
    Additionally, commenters may send a copy of their comments to the 
OMB desk officer for the Agencies by mail to the Office of Information 
and Regulatory Affairs, U.S. Office of Management and Budget, New 
Executive Office Building Room 10235, 725 17th Street NW., Washington, 
DC 20503: By fax to (202) 395-6974; or by email to 
[email protected].

FOR FURTHER INFORMATION CONTACT: For further information about the 
information collection discussed in this notice, please contact any 
Agency clearance officer named below. In addition, background 
documentation for

[[Page 68902]]

this information collection may be viewed at www.reginfo.gov or at the 
following locations:
    OCC: Shaquita Merritt or Mary H. Gottlieb, (202) 649-5490 or, 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.
    Board: Nuha Elmaghrabi: Federal Reserve Clearance Officer, Office 
of the Chief Data Officer, Mail Stop K1-148, Board of Governors of the 
Federal Reserve System, Washington, DC 20551.
    FDIC: Gary A. Kuiper, Counsel, MB-3074, Federal Deposit Insurance 
Corporation, 550 17th Street NW., Washington, DC 20429, or send an 
email to [email protected].
    CFPB: Darrin A. King, Paperwork Reduction Act Officer, 1700 G 
Street NW., Washington, DC 20552, (202) 435-9575, or email: 
[email protected]. Please do not submit comments to this email box.
    SEC: Pamela Dyson, Chief Information Officer, Securities and 
Exchange Commission, c/o Remi Pavlik-Simon, 100 F Street NE., 
Washington, DC 20549 or send an email to [email protected].

SUPPLEMENTARY INFORMATION: Section 342 of the Dodd-Frank Wall Street 
Reform and Consumer Protection Act of 2010 (Dodd-Frank Act) required 
each Agency to establish an Office of Minority and Women Inclusion 
(OMWI) to be responsible for all matters of the Agency relating to 
diversity in management, employment, and business activities. The Dodd-
Frank Act also instructed the OMWI Directors to develop standards for 
assessing the diversity policies and practices of entities regulated by 
their Agencies. The Agencies worked together to develop joint standards 
and, on June 10, 2015, they published a Federal Register notice (80 FR 
33016) entitled ``Final Interagency Policy Statement Establishing Joint 
Standards for Assessing the Diversity Policies and Practices of 
Entities Regulated by the Agencies'' (Policy Statement).\1\ The Policy 
Statement contains a collection of information within the meaning of 
the PRA (44 U.S.C. 3501 et seq.).
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    \1\ The National Credit Union Administration (NCUA) joined the 
Agencies in issuing the Policy Statement. However, the NCUA is 
issuing a separate Federal Register notice for PRA clearance.
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A. Overview of the Collection of Information

1. Description of the Collection of Information and Proposed Use

    The title for this proposed collection of information is:
     Joint Standards for Assessing Diversity Policies and 
Practices.
    The Policy Statement includes Joint Standards that cover 
``Practices to Promote Transparency of Organizational Diversity and 
Inclusion.'' These standards contemplate that a regulated entity is 
transparent about its diversity and inclusion activities by making 
certain information available to the public annually on its Web site or 
in other appropriate communications, in a manner reflective of the 
entity's size and other characteristics. The information noted in these 
standards is the entity's diversity and inclusion strategic plan; its 
policy on its commitment to diversity and inclusion; progress toward 
achieving diversity and inclusion in its workforce and procurement 
activities (which may include the entity's current workforce and 
supplier demographic profiles); and employment and procurement 
opportunities available at the entity that promote diversity.
    In addition, the Policy Statement includes standards that address 
``Entities' Self-Assessment.'' These standards envision that the 
regulated entity conducts a voluntary self-assessment of its diversity 
policies and practices at least annually, provides information 
pertaining to this self-assessment to its primary federal financial 
regulator, and publishes information pertaining to its efforts with 
respect to the Joint Standards. The information provided to the 
Agencies will be used to monitor progress and trends among regulated 
entities with regard to diversity and inclusion in employment and 
contracting activities, as well as to identify and publicize leading 
diversity policies and practices.

2. Description of Likely Respondents and Estimate of Annual Burden

    The collections of information contemplated by the Joint Standards 
will impose no new recordkeeping burdens as regulated entities will 
only publish or provide information pertaining to diversity policies 
and practices that they maintain during the normal course of business. 
The Agencies estimate that, on average, it will take a regulated entity 
approximately 12 burden hours annually to publish information 
pertaining to its diversity policies and practices on its Web site or 
in other appropriate communications and to retrieve and submit 
information pertaining to its self-assessment to its primary federal 
financial regulator.
    The Agencies estimate the total burden for all regulated entities 
as follows:
    Information Collection: Joint Standards for Assessing Diversity 
Policies and Practices.
    Estimated Number of Respondents:
    OCC: 215.
    Board: 488.
    FDIC: 398.
    CFPB: 750.
    SEC: 1,250.
    Frequency of Collection: Annual.
    Average Response Time per Respondent: 12 hours.
    Estimated Total Annual Burden Hours:
    OCC: 2,580 hours.
    Board: 5,856 hours.
    FDIC: 4,776 hours.
    CFPB: 9,000 hours.
    SEC: 15,000 hours.
    Obligation to respond: Voluntary.

B. Solicitation of Public Comments

    The Policy Statement included a 60-day notice requesting public 
comments on the collection of information. During the comment period, 
the Agencies collectively received four comment letters: Two from 
industry trade associations, one from an advocacy organization, and one 
from an individual.\2\ The comments, which are described below, 
addressed the collection of information under the ``Entities Self-
Assessment'' Joint Standards. (As noted above, these Joint Standards 
envision that a regulated entity provides self-assessment information 
to the OMWI Director of the entity's primary federal financial 
regulator.) The commenters also commented on aspects of the Policy 
Statement unrelated to the collection of information; these views are 
not relevant to this notice or the paperwork burden analysis and, 
accordingly, they are not addressed below.
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    \2\ Separately, the NCUA received a comment letter from an 
industry trade association. The Agencies considered this comment and 
have included it in the discussion of comments below.
---------------------------------------------------------------------------

    After reviewing and considering the comments related to the 
collection of information, the Agencies have decided not to make any 
changes to the collection of information described in the 60-day 
notice.

1. Practical Utility of Information Collection

    Two commenters addressed whether the collection of information 
pertaining to self-assessments will have practical utility. One 
commenter asserted that it is premature to gauge how useful information 
will be without knowing precisely what information the Agencies will 
request. The other commenter maintained that the information collection 
request in the Policy

[[Page 68903]]

Statement will yield large variations in the information submitted and 
predicted that the information received will have little practical 
utility. This commenter argued that the Agencies should standardize the 
information they request so they are able to assess accurately the 
state of diversity and inclusion across the industry. The commenter's 
view is that standardization of the data request would enhance the 
quality, utility, and clarity of the collected information.
    Although the Agencies have not specified the content or format for 
the information collection described in the Policy Statement, they 
anticipate that the information submitted to them will be similar in 
content, if not in form. They contemplate that regulated entities will 
organize their information collection around the categories in the 
Joint Standards. The Agencies also expect that the information they 
receive will help achieve the purpose of the collection, which is to 
allow the Agencies to identify trends in the financial services 
industry regarding diversity and inclusion in employment and 
contracting and to identify leading diversity policies and practices.

2. Specific Collection Instrument

    Three commenters requested that the Agencies be more specific about 
the information collection. One commenter asked the Agencies to send 
questions that ``comport with how its member firms operate'' and that 
the information collection request allow entities to submit qualitative 
information to add context to quantitative submissions. Another 
commenter asked the Agencies to provide a ``robust'' example or 
template of the information the entities should submit. This commenter 
also recommended that the Agencies provide a non-exhaustive list of 
materials that respondents can use to compare against what they are 
planning to submit. The third commenter recommended that the Agencies 
develop a standardized collection instrument. This commenter noted that 
it had recommended standardized survey questions when it commented on 
the proposed Policy Statement. The commenter urged the Agencies to 
adopt a thorough framework for collecting specific and consistent data.
    The Agencies appreciate the collection instrument recommendations 
and the offers to assist in developing an instrument. At this time, 
however, the Agencies have not developed a joint information collection 
instrument. The Agencies believe that the Policy Statement encourages 
regulated entities to provide information regarding their self-
assessments in a manner reflective of the Joint Standards and that any 
such information received will be useful.

3. Assurance of Confidentiality

    The Joint Standards addressing Self-Assessments provide that the 
entities submitting information may designate such information as 
confidential commercial information, where appropriate. Three 
commenters expressed concerns about whether the information submitted 
would remain confidential. One commenter indicated that its members are 
concerned that information submitted to their primary federal financial 
regulator might be provided, without context, to other regulators or to 
the U.S. Congress, leading to confusion or to the disclosure of 
competitive information. This commenter asked the Agencies to provide a 
clearer confidentiality policy and clarify that submissions will remain 
confidential unless the submitting entity expressly waives 
confidentiality. Similarly, another commenter stated that its members 
are concerned that third parties may have access to the information 
submitted and could use this information to the submitter's 
disadvantage. This commenter requested additional clarification 
regarding how the Agencies will use and protect submitted information, 
as well as a written statement providing assurance that the Agencies 
will not share the information with third parties.
    The remaining commenter expressed concern that designating 
information as confidential will not guarantee protection from 
disclosure. The commenter observed that, if the public requests 
information under the Freedom of Information Act (FOIA), the regulated 
entity will be notified of the request and provided an opportunity to 
argue against disclosure. In the event that the regulated entity's 
argument does not prevail, the voluntarily submitted information could 
be released to the public.
    Two of these commenters recommended that regulated entities be 
allowed to submit information anonymously. One commenter said its 
members might support the use of a third-party vendor that could 
capture and potentially anonymize submissions as a way to minimize 
information collection burden. The other commenter asserted that giving 
respondents the option to submit information anonymously would enhance 
the quality, utility, and clarity of the information, minimize burden, 
and address confidentiality concerns. This commenter also recommended 
that the Agencies allow submitters to classify themselves into general 
categories, such as by approximate asset size, number of employees, and 
geographic location.
    The Agencies understand that regulated entities want assurances 
that the Agencies will treat the submitted information as confidential 
and will not disclose the information unless the submitter expressly 
waives confidentiality. To the extent that a submission includes 
confidential information, the Agencies will keep such information 
confidential to the extent allowed by law. The Agencies advise 
regulated entities submitting private information to follow their 
primary federal financial regulator's FOIA regulations with respect to 
designating information as confidential or seeking confidential 
treatment.
    Finally, with respect to anonymity, the Agencies are concerned that 
anonymous submissions would be less useful than submissions in which 
the submitting entity is identified. As indicated in the Policy 
Statement, the OMWI Directors plan to reach out to regulated entities 
to discuss diversity and inclusion practices and methods of assessment, 
and these contacts will be more informative for both the Agencies and 
the entities if the Agencies know which submission came from which 
entity. However, the Agencies will reassess this matter over time.

4. Accuracy of Burden Estimate

    The Agencies estimated that, annually, it would take an entity 12 
burden hours, on average, to publish information pertaining to its 
diversity policies and practices on its Web site and to retrieve and 
submit self-assessment information to its primary federal financial 
regulator. One commenter stated that the Agencies grossly 
underestimated the time it would take to collect, categorize, and 
submit this information. The commenter asserted that retrieving 
diversity data is a time-consuming and labor-intensive task, 
particularly for entities with hundreds or thousands of employees 
located throughout U.S. and the world. In addition, the commenter 
maintained that an entity's submission would have to undergo a time-
consuming review by legal counsel and others to assure accuracy and 
clarity before the entity could submit the information.
    The Agencies note that the commenter did not provide an alternative 
estimate or formula for calculating this burden and that 12 hours is an 
estimated average. In the absence of more specific information, the 
Agencies do not have a basis for changing their burden estimate at this 
time. If, however, future feedback

[[Page 68904]]

indicates that the current estimate needs further refinement, the 
Agencies will consider adjusting their estimates accordingly.

5. Estimate of Start-Up Costs

    One commenter asserted that it would take substantial IT, legal, 
and operational resources to put diversity data into a format 
appropriate for submission to a regulator. The commenter said that it 
could not provide an exact estimate of capital or start-up costs for 
submitting this information until an actual information request was 
available. In response, the Agencies note that there are no start-up 
costs associated with the collection of information contained in the 
Joint Standards. Furthermore, any costs incurred by a regulated entity, 
aside from the 12 burden hours discussed above to publish information 
pertaining to its diversity policies and practices on its Web site and 
to retrieve and submit self-assessment information to its primary 
federal financial regulator, will be incurred in the normal course of 
its business activities.
    Written comments continue to be invited on:
    (a) The necessity of the collection of information for the proper 
performance of the Agencies' functions, including whether the 
information will have practical utility;
    (b) The accuracy of the Agencies' estimate of the information 
collection burden, including the validity of the methods and the 
assumptions used;
    (c) Ways to enhance the quality, utility, and clarity of the 
information proposed to be collected;
    (d) Ways to minimize the information collection burden 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.
    The Agencies encourage interested parties to submit comments in 
response to these questions. Comments submitted in response to this 
notice will be shared among the Agencies. All comments will become a 
matter of public record.

    Dated: October 8, 2015.
Stuart E. Feldstein,
Director, Legislative and Regulatory Activities Division, Office of the 
Comptroller of the Currency.
    By order of the Board of Governors of the Federal Reserve 
System, November 2, 2015.
Robert deV. Frierson,
Secretary of the Board.
    Dated at Washington, DC, this 29th day of September, 2015.

Federal Deposit Insurance Corporation.
Robert E. Feldman,
Executive Secretary.
    Dated: October 27, 2015.
Christopher D'Angelo,
Chief of Staff, Bureau of Consumer Financial Protection.

U.S. Securities and Exchange Commission.

    Date: October 1, 2015.
Brent J. Fields,
Secretary.
[FR Doc. 2015-28369 Filed 11-5-15; 8:45 am]
BILLING CODE 4810-33-P; 6310-01-P; 6714-01-P; 4810-AM-P; 8011-01-P



                                                                               Federal Register / Vol. 80, No. 215 / Friday, November 6, 2015 / Notices                                           68901

                                                  DEPARTMENT OF THE TREASURY                              DC 20219. In addition, comments may                   Practices,’’ by any of the following
                                                                                                          be sent by fax to (571) 465–4326 or by                methods:
                                                  Office of the Comptroller of Currency                   electronic mail to prainfo@occ.treas.gov.               • Agency Web site: http://
                                                                                                             In general, OCC will enter all                     www.fdic.gov/regulations/laws/federal/.
                                                  FEDERAL RESERVE SYSTEM                                  comments received into the docket and                 Follow the instructions for submitting
                                                  [Docket No. OP–1465]                                    publish them on the www.reginfo.gov                   comments on the FDIC Web site.
                                                                                                          Web site without change, including any                  • Email: comments@FDIC.gov.
                                                  FEDERAL DEPOSIT INSURANCE                               business or personal information that                 Include ‘‘Joint Standards for Assessing
                                                  CORPORATION                                             you provide such as name and address                  Diversity Policies and Practices’’ in the
                                                                                                          information, email addresses, or phone                subject line of the message.
                                                  BUREAU OF CONSUMER FINANCIAL                            numbers. Comments received, including                   • Mail: Gary A. Kuiper, Counsel, MB–
                                                  PROTECTION                                              attachments and other supporting                      3074, Federal Deposit Insurance
                                                                                                          materials, are part of the public record              Corporation, 550 17th Street NW.,
                                                  SECURITIES AND EXCHANGE                                 and subject to public disclosure. Do not              Washington, DC 20429.
                                                  COMMISSION                                              include any information in your                         CFPB: You may submit comments,
                                                                                                          comment or supporting materials that                  identified by the title of the information
                                                  Agency Information Collection;                          you consider confidential or                          collection, ‘‘Joint Standards for
                                                  Submission for OMB Review; Joint                        inappropriate for public disclosure.                  Assessing the Diversity Policies and
                                                  Comment Request; Joint Standards for                       You may personally inspect and                     Practices of Entities Regulated by the
                                                  Assessing the Diversity Policies and                    photocopy comments by visiting the                    Agencies,’’ or by the docket number (see
                                                  Practices of Entities Regulated by the                  OCC at 400 7th Street SW., Washington,                below) using any of the following
                                                  Agencies                                                DC 20219. For security reasons, the OCC               methods:
                                                  AGENCY:  Office of the Comptroller of the
                                                                                                          requires that visitors make an                          • Electronic: http://
                                                                                                          appointment to inspect comments. You                  www.regulations.gov (Docket Number:
                                                  Currency (OCC); Board of Governors of
                                                                                                          may make an appointment by calling                    CFPB±2015±0042). Follow the
                                                  the Federal Reserve System (Board);
                                                                                                          (202) 649–6700 or, for persons who are                instructions for submitting comments.
                                                  Federal Deposit Insurance Corporation
                                                  (FDIC); Bureau of Consumer Financial
                                                                                                          deaf or hard of hearing, TTY (202) 649–                 • Mail: Consumer Financial
                                                                                                          5597. Upon arrival, visitors will be                  Protection Bureau (Attention: PRA
                                                  Protection (CFPB); and Securities and
                                                                                                          required to present valid government-                 Office), 1700 G Street NW., Washington,
                                                  Exchange Commission (SEC).
                                                                                                          issued photo identification and submit                DC 20552.
                                                  ACTION: Joint notice, request for
                                                  comment, and notice of information
                                                                                                          to a security screening, prior to                       • Hand Delivery/Courier: Consumer
                                                                                                          inspecting and photocopying comments.                 Financial Protection Bureau (Attention:
                                                  collection to be submitted to the Office                   Board: You may submit comments,
                                                  of Management and Budget (OMB) for                                                                            PRA Office), 1275 First Street NE.,
                                                                                                          identified by ‘‘OMWI Policy Statement,’’              Washington, DC 20002.
                                                  review and approval under the                           by any of the following methods:
                                                  Paperwork Reduction Act of 1995                                                                                 Please note that comments submitted
                                                                                                             • Agency Web site: http://                         after the comment period will not be
                                                  (PRA).                                                  www.federalreserve.gov. Follow the                    accepted. In general, all comments
                                                  SUMMARY:   The OCC, FDIC, CFPB, and                     instructions for submitting comments at               received will become public records,
                                                  SEC (each, an Agency and collectively,                  http://www.federalreserve.gov/apps/                   including any personal information
                                                  the Agencies) have submitted to OMB a                   foia/proposedregs.aspx.                               provided. Sensitive personal
                                                  request for approval under the PRA of                      • Federal eRulemaking Portal: http://              information, such as account numbers
                                                  the collection of information discussed                 www.regulations.gov. Follow the                       or social security numbers, should not
                                                  below. The Board (also an Agency and                    instructions for submitting comments.                 be included.
                                                                                                             • Email: regs.comments@
                                                  included in Agencies) reviewed the                                                                              SEC: Please direct your written
                                                                                                          federalreserve.gov.
                                                  joint notice under the authority                           • FAX: (202) 452–3819 or (202) 452–                comments to Pamela Dyson, Chief
                                                  delegated to the Board by OMB. An                       3102.                                                 Information Officer, Securities and
                                                  agency may not conduct or sponsor, and                     • Mail: Robert deV. Frierson,                      Exchange Commission, c/o Remi Pavlik-
                                                  a respondent is not required to respond                 Secretary, Board of Governors of the                  Simon, 100 F Street NE., Washington,
                                                  to, an information collection unless it                 Federal Reserve System, 20th Street and               DC 20549, or send an email to PRA_
                                                  displays a currently valid OMB control                  Constitution Avenue NW., Washington,                  Mailbox@sec.gov with ‘‘SEC File 270–
                                                  number.                                                 DC 20551.                                             664 OMWI Policy Statement’’ in the
                                                  DATES: Comments must be submitted on                       All public comments are available                  subject line of the message.
                                                  or before December 7, 2015.                             from the Board’s Web site at http://                    Additionally, commenters may send a
                                                  ADDRESSES: Interested parties are                       www.federalreserve.gov/apps/foia/                     copy of their comments to the OMB
                                                  invited to submit written comments to                   proposedregs.aspx as submitted, unless                desk officer for the Agencies by mail to
                                                  any or all of the Agencies. All comments                modified for technical reasons.                       the Office of Information and Regulatory
                                                  received will be shared among the                       Accordingly, your comments will not be                Affairs, U.S. Office of Management and
                                                  Agencies.                                               edited to remove any identifying or                   Budget, New Executive Office Building
                                                     OCC: Because paper mail in the                       contact information. Public comments                  Room 10235, 725 17th Street NW.,
                                                  Washington, DC area and at the OCC is                   may also be viewed electronically or in               Washington, DC 20503: By fax to (202)
                                                                                                                                                                395–6974; or by email to oira_
mstockstill on DSK4VPTVN1PROD with NOTICES




                                                  subject to delay, commenters are                        paper form in Room MP–500 of the
                                                  encouraged to submit comments by                        Board’s Martin Building (20th and C                   submission@omb.eop.gov.
                                                  email, if possible. Comments may be                     Streets NW.) between 9:00 a.m. and 5:00               FOR FURTHER INFORMATION CONTACT: For
                                                  sent to: Legislative and Regulatory                     p.m. on weekdays.                                     further information about the
                                                  Activities Division, Office of the                         FDIC: You may submit comments on                   information collection discussed in this
                                                  Comptroller of the Currency, Attention:                 this information collection, which                    notice, please contact any Agency
                                                  1557–NEW, 400 7th Street SW., Suite                     should refer to ‘‘Joint Standards for                 clearance officer named below. In
                                                  3E–218, Mail Stop 9W–11, Washington,                    Assessing Diversity Policies and                      addition, background documentation for


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                                                  68902                        Federal Register / Vol. 80, No. 215 / Friday, November 6, 2015 / Notices

                                                  this information collection may be                         • Joint Standards for Assessing                      Information Collection: Joint
                                                  viewed at www.reginfo.gov or at the                     Diversity Policies and Practices.                     Standards for Assessing Diversity
                                                  following locations:                                       The Policy Statement includes Joint                Policies and Practices.
                                                    OCC: Shaquita Merritt or Mary H.                      Standards that cover ‘‘Practices to                     Estimated Number of Respondents:
                                                  Gottlieb, (202) 649–5490 or, for persons                Promote Transparency of Organizational                  OCC: 215.
                                                  who are deaf or hard of hearing, TTY                    Diversity and Inclusion.’’ These                        Board: 488.
                                                  (202) 649–5597, Legislative and                         standards contemplate that a regulated                  FDIC: 398.
                                                  Regulatory Activities Division, Office of               entity is transparent about its diversity               CFPB: 750.
                                                  the Comptroller of the Currency, 400 7th                and inclusion activities by making                      SEC: 1,250.
                                                  Street SW., Washington, DC 20219.                                                                               Frequency of Collection: Annual.
                                                                                                          certain information available to the
                                                    Board: Nuha Elmaghrabi: Federal                                                                               Average Response Time per
                                                                                                          public annually on its Web site or in
                                                  Reserve Clearance Officer, Office of the                                                                      Respondent: 12 hours.
                                                                                                          other appropriate communications, in a                  Estimated Total Annual Burden
                                                  Chief Data Officer, Mail Stop K1–148,                   manner reflective of the entity’s size and
                                                  Board of Governors of the Federal                                                                             Hours:
                                                                                                          other characteristics. The information                  OCC: 2,580 hours.
                                                  Reserve System, Washington, DC 20551.                   noted in these standards is the entity’s
                                                    FDIC: Gary A. Kuiper, Counsel, MB–                                                                            Board: 5,856 hours.
                                                                                                          diversity and inclusion strategic plan;                 FDIC: 4,776 hours.
                                                  3074, Federal Deposit Insurance                         its policy on its commitment to
                                                  Corporation, 550 17th Street NW.,                                                                               CFPB: 9,000 hours.
                                                                                                          diversity and inclusion; progress toward                SEC: 15,000 hours.
                                                  Washington, DC 20429, or send an email
                                                                                                          achieving diversity and inclusion in its                Obligation to respond: Voluntary.
                                                  to gkuiper@fdic.gov.
                                                    CFPB: Darrin A. King, Paperwork                       workforce and procurement activities
                                                                                                          (which may include the entity’s current               B. Solicitation of Public Comments
                                                  Reduction Act Officer, 1700 G Street
                                                                                                          workforce and supplier demographic                       The Policy Statement included a 60-
                                                  NW., Washington, DC 20552, (202) 435–
                                                  9575, or email: PRA@cfpb.gov. Please do                 profiles); and employment and                         day notice requesting public comments
                                                  not submit comments to this email box.                  procurement opportunities available at                on the collection of information. During
                                                    SEC: Pamela Dyson, Chief Information                  the entity that promote diversity.                    the comment period, the Agencies
                                                  Officer, Securities and Exchange                           In addition, the Policy Statement                  collectively received four comment
                                                  Commission, c/o Remi Pavlik-Simon,                      includes standards that address                       letters: Two from industry trade
                                                  100 F Street NE., Washington, DC 20549                  ‘‘Entities’ Self-Assessment.’’ These                  associations, one from an advocacy
                                                  or send an email to PRA_Mailbox@                        standards envision that the regulated                 organization, and one from an
                                                  sec.gov.                                                entity conducts a voluntary self-                     individual.2 The comments, which are
                                                                                                          assessment of its diversity policies and              described below, addressed the
                                                  SUPPLEMENTARY INFORMATION: Section
                                                                                                          practices at least annually, provides                 collection of information under the
                                                  342 of the Dodd-Frank Wall Street                                                                             ‘‘Entities Self-Assessment’’ Joint
                                                                                                          information pertaining to this self-
                                                  Reform and Consumer Protection Act of                                                                         Standards. (As noted above, these Joint
                                                                                                          assessment to its primary federal
                                                  2010 (Dodd-Frank Act) required each                                                                           Standards envision that a regulated
                                                                                                          financial regulator, and publishes
                                                  Agency to establish an Office of                                                                              entity provides self-assessment
                                                                                                          information pertaining to its efforts with
                                                  Minority and Women Inclusion (OMWI)                                                                           information to the OMWI Director of the
                                                                                                          respect to the Joint Standards. The
                                                  to be responsible for all matters of the                                                                      entity’s primary federal financial
                                                  Agency relating to diversity in                         information provided to the Agencies
                                                                                                          will be used to monitor progress and                  regulator.) The commenters also
                                                  management, employment, and business
                                                                                                          trends among regulated entities with                  commented on aspects of the Policy
                                                  activities. The Dodd-Frank Act also
                                                                                                          regard to diversity and inclusion in                  Statement unrelated to the collection of
                                                  instructed the OMWI Directors to
                                                                                                          employment and contracting activities,                information; these views are not
                                                  develop standards for assessing the
                                                                                                          as well as to identify and publicize                  relevant to this notice or the paperwork
                                                  diversity policies and practices of
                                                                                                          leading diversity policies and practices.             burden analysis and, accordingly, they
                                                  entities regulated by their Agencies. The
                                                                                                                                                                are not addressed below.
                                                  Agencies worked together to develop                     2. Description of Likely Respondents                     After reviewing and considering the
                                                  joint standards and, on June 10, 2015,                  and Estimate of Annual Burden                         comments related to the collection of
                                                  they published a Federal Register notice                                                                      information, the Agencies have decided
                                                  (80 FR 33016) entitled ‘‘Final                            The collections of information
                                                                                                          contemplated by the Joint Standards                   not to make any changes to the
                                                  Interagency Policy Statement                                                                                  collection of information described in
                                                  Establishing Joint Standards for                        will impose no new recordkeeping
                                                                                                          burdens as regulated entities will only               the 60-day notice.
                                                  Assessing the Diversity Policies and
                                                  Practices of Entities Regulated by the                  publish or provide information                        1. Practical Utility of Information
                                                  Agencies’’ (Policy Statement).1 The                     pertaining to diversity policies and                  Collection
                                                  Policy Statement contains a collection                  practices that they maintain during the
                                                                                                          normal course of business. The                           Two commenters addressed whether
                                                  of information within the meaning of                                                                          the collection of information pertaining
                                                  the PRA (44 U.S.C. 3501 et seq.).                       Agencies estimate that, on average, it
                                                                                                          will take a regulated entity                          to self-assessments will have practical
                                                  A. Overview of the Collection of                        approximately 12 burden hours                         utility. One commenter asserted that it
                                                  Information                                             annually to publish information                       is premature to gauge how useful
                                                                                                          pertaining to its diversity policies and              information will be without knowing
                                                  1. Description of the Collection of                                                                           precisely what information the Agencies
                                                                                                          practices on its Web site or in other
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                                                  Information and Proposed Use                                                                                  will request. The other commenter
                                                                                                          appropriate communications and to
                                                     The title for this proposed collection               retrieve and submit information                       maintained that the information
                                                  of information is:                                      pertaining to its self-assessment to its              collection request in the Policy
                                                                                                          primary federal financial regulator.
                                                    1 The National Credit Union Administration                                                                    2 Separately, the NCUA received a comment letter

                                                  (NCUA) joined the Agencies in issuing the Policy
                                                                                                            The Agencies estimate the total                     from an industry trade association. The Agencies
                                                  Statement. However, the NCUA is issuing a separate      burden for all regulated entities as                  considered this comment and have included it in
                                                  Federal Register notice for PRA clearance.              follows:                                              the discussion of comments below.



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                                                                               Federal Register / Vol. 80, No. 215 / Friday, November 6, 2015 / Notices                                           68903

                                                  Statement will yield large variations in                self-assessments in a manner reflective               themselves into general categories, such
                                                  the information submitted and                           of the Joint Standards and that any such              as by approximate asset size, number of
                                                  predicted that the information received                 information received will be useful.                  employees, and geographic location.
                                                  will have little practical utility. This                                                                        The Agencies understand that
                                                                                                          3. Assurance of Confidentiality                       regulated entities want assurances that
                                                  commenter argued that the Agencies
                                                  should standardize the information they                    The Joint Standards addressing Self-               the Agencies will treat the submitted
                                                  request so they are able to assess                      Assessments provide that the entities                 information as confidential and will not
                                                  accurately the state of diversity and                   submitting information may designate                  disclose the information unless the
                                                  inclusion across the industry. The                      such information as confidential                      submitter expressly waives
                                                  commenter’s view is that                                commercial information, where                         confidentiality. To the extent that a
                                                  standardization of the data request                     appropriate. Three commenters                         submission includes confidential
                                                  would enhance the quality, utility, and                 expressed concerns about whether the                  information, the Agencies will keep
                                                  clarity of the collected information.                   information submitted would remain                    such information confidential to the
                                                     Although the Agencies have not                       confidential. One commenter indicated                 extent allowed by law. The Agencies
                                                  specified the content or format for the                 that its members are concerned that                   advise regulated entities submitting
                                                  information collection described in the                 information submitted to their primary                private information to follow their
                                                  Policy Statement, they anticipate that                  federal financial regulator might be                  primary federal financial regulator’s
                                                  the information submitted to them will                  provided, without context, to other                   FOIA regulations with respect to
                                                  be similar in content, if not in form.                  regulators or to the U.S. Congress,                   designating information as confidential
                                                  They contemplate that regulated entities                leading to confusion or to the disclosure             or seeking confidential treatment.
                                                  will organize their information                         of competitive information. This                        Finally, with respect to anonymity,
                                                  collection around the categories in the                 commenter asked the Agencies to                       the Agencies are concerned that
                                                  Joint Standards. The Agencies also                      provide a clearer confidentiality policy              anonymous submissions would be less
                                                  expect that the information they receive                and clarify that submissions will remain              useful than submissions in which the
                                                  will help achieve the purpose of the                    confidential unless the submitting entity             submitting entity is identified. As
                                                  collection, which is to allow the                       expressly waives confidentiality.                     indicated in the Policy Statement, the
                                                  Agencies to identify trends in the                      Similarly, another commenter stated                   OMWI Directors plan to reach out to
                                                  financial services industry regarding                   that its members are concerned that                   regulated entities to discuss diversity
                                                  diversity and inclusion in employment                   third parties may have access to the                  and inclusion practices and methods of
                                                  and contracting and to identify leading                 information submitted and could use                   assessment, and these contacts will be
                                                  diversity policies and practices.                       this information to the submitter’s                   more informative for both the Agencies
                                                                                                          disadvantage. This commenter                          and the entities if the Agencies know
                                                  2. Specific Collection Instrument                       requested additional clarification                    which submission came from which
                                                     Three commenters requested that the                  regarding how the Agencies will use                   entity. However, the Agencies will
                                                  Agencies be more specific about the                     and protect submitted information, as                 reassess this matter over time.
                                                  information collection. One commenter                   well as a written statement providing
                                                  asked the Agencies to send questions                                                                          4. Accuracy of Burden Estimate
                                                                                                          assurance that the Agencies will not
                                                  that ‘‘comport with how its member                      share the information with third parties.                The Agencies estimated that,
                                                  firms operate’’ and that the information                   The remaining commenter expressed                  annually, it would take an entity 12
                                                  collection request allow entities to                    concern that designating information as               burden hours, on average, to publish
                                                  submit qualitative information to add                   confidential will not guarantee                       information pertaining to its diversity
                                                  context to quantitative submissions.                    protection from disclosure. The                       policies and practices on its Web site
                                                  Another commenter asked the Agencies                    commenter observed that, if the public                and to retrieve and submit self-
                                                  to provide a ‘‘robust’’ example or                      requests information under the Freedom                assessment information to its primary
                                                  template of the information the entities                of Information Act (FOIA), the regulated              federal financial regulator. One
                                                  should submit. This commenter also                      entity will be notified of the request and            commenter stated that the Agencies
                                                  recommended that the Agencies provide                   provided an opportunity to argue                      grossly underestimated the time it
                                                  a non-exhaustive list of materials that                 against disclosure. In the event that the             would take to collect, categorize, and
                                                  respondents can use to compare against                  regulated entity’s argument does not                  submit this information. The commenter
                                                  what they are planning to submit. The                   prevail, the voluntarily submitted                    asserted that retrieving diversity data is
                                                  third commenter recommended that the                    information could be released to the                  a time-consuming and labor-intensive
                                                  Agencies develop a standardized                         public.                                               task, particularly for entities with
                                                  collection instrument. This commenter                      Two of these commenters                            hundreds or thousands of employees
                                                  noted that it had recommended                           recommended that regulated entities be                located throughout U.S. and the world.
                                                  standardized survey questions when it                   allowed to submit information                         In addition, the commenter maintained
                                                  commented on the proposed Policy                        anonymously. One commenter said its                   that an entity’s submission would have
                                                  Statement. The commenter urged the                      members might support the use of a                    to undergo a time-consuming review by
                                                  Agencies to adopt a thorough framework                  third-party vendor that could capture                 legal counsel and others to assure
                                                  for collecting specific and consistent                  and potentially anonymize submissions                 accuracy and clarity before the entity
                                                  data.                                                   as a way to minimize information                      could submit the information.
                                                     The Agencies appreciate the                          collection burden. The other commenter                   The Agencies note that the
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                                                  collection instrument recommendations                   asserted that giving respondents the                  commenter did not provide an
                                                  and the offers to assist in developing an               option to submit information                          alternative estimate or formula for
                                                  instrument. At this time, however, the                  anonymously would enhance the                         calculating this burden and that 12
                                                  Agencies have not developed a joint                     quality, utility, and clarity of the                  hours is an estimated average. In the
                                                  information collection instrument. The                  information, minimize burden, and                     absence of more specific information,
                                                  Agencies believe that the Policy                        address confidentiality concerns. This                the Agencies do not have a basis for
                                                  Statement encourages regulated entities                 commenter also recommended that the                   changing their burden estimate at this
                                                  to provide information regarding their                  Agencies allow submitters to classify                 time. If, however, future feedback


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                                                  68904                        Federal Register / Vol. 80, No. 215 / Friday, November 6, 2015 / Notices

                                                  indicates that the current estimate needs               Federal Deposit Insurance Corporation.                read ‘‘internet at Lanita.VanDyke@
                                                  further refinement, the Agencies will                   Robert E. Feldman,                                    irs.gov’’.
                                                  consider adjusting their estimates                      Executive Secretary.                                  Martin V. Franks,
                                                  accordingly.
                                                                                                            Dated: October 27, 2015.                            Chief, Publications and Regulations Branch,
                                                  5. Estimate of Start-Up Costs                           Christopher D’Angelo,                                 Legal Processing Division, Associate Chief
                                                     One commenter asserted that it would                 Chief of Staff, Bureau of Consumer Financial          Counsel, (Procedure and Administration).
                                                  take substantial IT, legal, and                         Protection.                                           [FR Doc. 2015–28343 Filed 11–5–15; 8:45 am]
                                                  operational resources to put diversity                  U.S. Securities and Exchange Commission.
                                                                                                                                                                BILLING CODE 4830–01–P
                                                  data into a format appropriate for
                                                                                                            Date: October 1, 2015.
                                                  submission to a regulator. The
                                                  commenter said that it could not                        Brent J. Fields,                                      DEPARTMENT OF VETERANS
                                                  provide an exact estimate of capital or                 Secretary.                                            AFFAIRS
                                                  start-up costs for submitting this                      [FR Doc. 2015–28369 Filed 11–5–15; 8:45 am]
                                                  information until an actual information                 BILLING CODE 4810–33–P; 6310–01–P; 6714–01–P;
                                                                                                                                                                Advisory Committee: National
                                                  request was available. In response, the                 4810–AM–P; 8011–01–P                                  Academic Affiliations Council Notice of
                                                  Agencies note that there are no start-up                                                                      Meeting
                                                  costs associated with the collection of
                                                                                                          DEPARTMENT OF THE TREASURY                               The Department of Veterans Affairs
                                                  information contained in the Joint
                                                  Standards. Furthermore, any costs                                                                             (VA) gives notice under Federal
                                                  incurred by a regulated entity, aside                   Internal Revenue Service                              Advisory Committee Act, 5 U.S.C. App.
                                                  from the 12 burden hours discussed                                                                            2 that the National Academic
                                                  above to publish information pertaining                 Proposed Collection; Comment                          Affiliations Council will be held
                                                  to its diversity policies and practices on              Request for Revenue Procedure 2003–                   December 8, 2015–December 9, 2015 in
                                                  its Web site and to retrieve and submit                 37; Correction                                        the Office of Academic Affiliations
                                                  self-assessment information to its                                                                            (OAA) Conference Room, 1800 G Street
                                                  primary federal financial regulator, will               AGENCY: Internal Revenue Service (IRS),               NW., Suite 870, Washington, DC. The
                                                  be incurred in the normal course of its                 Treasury.                                             December 8th sessions will begin at 9:00
                                                  business activities.                                                                                          a.m. and end at 4:30 p.m. On December
                                                                                                                Notice and request for
                                                                                                          ACTION:                                               9th, 2015, sessions will begin at 9:00
                                                     Written comments continue to be
                                                                                                          comments; correction.                                 a.m. and adjourn at 1:00 p.m.
                                                  invited on:
                                                     (a) The necessity of the collection of                                                                        The purpose of the Council is to
                                                  information for the proper performance                  SUMMARY:  This document contains a                    advise the Secretary on matters affecting
                                                  of the Agencies’ functions, including                   correction to the Department of the                   partnerships between VA and its
                                                  whether the information will have                       Treasury, as part of its continuing effort            academic affiliates.
                                                  practical utility;                                      to reduce paperwork and respondent                       On December 8, the Council will
                                                     (b) The accuracy of the Agencies’                    burden, invites the general public and                receive an update on the Veterans
                                                  estimate of the information collection                  other Federal agencies to take this                   Equitable Resource Allocation formula
                                                  burden, including the validity of the                   opportunity to comment on proposed                    for education support; discuss strategies
                                                  methods and the assumptions used;                       and/or continuing information                         for continued Graduate Medical
                                                     (c) Ways to enhance the quality,                     collections, as required by the                       Education (GME) expansion authorized
                                                  utility, and clarity of the information                 Paperwork Reduction Act of 1995,                      by the 2014 Veterans Access, Choice,
                                                  proposed to be collected;                               Public Law 104–13 (U.S.C.                             and Accountability (VACAA) Act;
                                                     (d) Ways to minimize the information                                                                       review the consolidation of non-VA
                                                                                                          3506(c)(2)(A)).
                                                  collection burden on respondents,                                                                             provider programs directed by Public
                                                  including through the use of automated                  DATES: Written comments are still being               Law 114–41; and examine potential new
                                                  collection techniques or other forms of                 accepted and should be received on or                 joint ventures with academic affiliates.
                                                  information technology; and                             before December 28, 2015, to be assured               On December 9, the Council will
                                                     (e) Estimates of capital or start-up                 of consideration.                                     explore the revised ethics rules for
                                                  costs and costs of operation,                                                                                 special government employees serving
                                                  maintenance, and purchase of services                   ADDRESSES:   Direct all written comments              on Federal advisory committees; and
                                                  to provide information.                                 to Christie Preston, Internal Revenue                 discuss future possibilities for VA
                                                     The Agencies encourage interested                    Service, Room 6129, 1111 Constitution                 academic affiliations that strengthen the
                                                  parties to submit comments in response                  Avenue NW., Washington, DC 20224.                     70 year legacy of VA Policy
                                                  to these questions. Comments submitted                                                                        memorandum No. 2. The Council will
                                                  in response to this notice will be shared               SUPPLEMENTARY INFORMATION:
                                                                                                                                                                receive public comments from 12:30
                                                  among the Agencies. All comments will                   Need for Correction                                   p.m. to 12:45 p.m. on December 9, 2015.
                                                  become a matter of public record.                                                                                Interested persons may attend and
                                                    Dated: October 8, 2015.                                  As published, Revenue Procedure                    present oral statements to the Council.
                                                  Stuart E. Feldstein,                                    2003–37 contains an error that may                    A sign-in sheet for those who want to
                                                  Director, Legislative and Regulatory Activities
                                                                                                          prove to be misleading and is in need                 give comments will be available at the
                                                                                                          of clarification.
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                                                  Division, Office of the Comptroller of the                                                                    meeting. Individuals who speak are
                                                  Currency.                                                  On page 66618, in the preamble, first              invited to submit a 1–2 page summary
                                                    By order of the Board of Governors of the             column, under the caption FOR FURTHER                 of their comments at the time of the
                                                  Federal Reserve System, November 2, 2015.               INFORMATION CONTACT:, in the seventh                  meeting for inclusion in the official
                                                  Robert deV. Frierson,                                   line, the language ‘‘internet at                      meeting record. Oral presentations will
                                                  Secretary of the Board.                                 Lanita.VanDyke@irs.ov’’ is corrected to               be limited to five minutes or less,
                                                    Dated at Washington, DC, this 29th day of                                                                   depending on the number of
                                                  September, 2015.                                                                                              participants. Interested parties may also


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Document Created: 2015-12-14 15:09:06
Document Modified: 2015-12-14 15:09:06
CategoryRegulatory Information
CollectionFederal Register
sudoc ClassAE 2.7:
GS 4.107:
AE 2.106:
PublisherOffice of the Federal Register, National Archives and Records Administration
SectionNotices
ActionJoint notice, request for comment, and notice of information collection to be submitted to the Office of Management and Budget (OMB) for review and approval under the Paperwork Reduction Act of 1995 (PRA).
DatesComments must be submitted on or before December 7, 2015.
ContactFor further information about the information collection discussed in this notice, please contact any Agency clearance officer named below. In addition, background documentation for this information collection may be viewed at www.reginfo.gov or at the following locations:
FR Citation80 FR 68901 

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