81 FR 79484 - Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB
FEDERAL RESERVE SYSTEM Federal Register Volume 81, Issue 219 (November 14, 2016)
Federal Register Volume 81, Issue 219 (November 14, 2016)
| Page Range | 79484-79487 | |
| FR Document | 2016-27299 |
[Federal Register Volume 81, Number 219 (Monday, November 14, 2016)] [Notices] [Pages 79484-79487] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2016-27299] ----------------------------------------------------------------------- FEDERAL RESERVE SYSTEM Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB AGENCY: Board of Governors of the Federal Reserve System. SUMMARY: Notice is hereby given of the final approval of a proposal to extend for three years, with revision, the debit card issuer survey (FR 3064a; OMB No. 7100-0344) and to extend for three years, without revision, the payment card network survey (FR 3064b; OMB No. 7100-0344) by the Board of Governors of the Federal Reserve System (Board) under OMB delegated authority, as per 5 CFR 1320.16 (OMB Regulations on Controlling Paperwork Burdens on the Public). Board-approved collections of information are incorporated into the official OMB inventory of currently approved collections of information. Copies of the Paperwork Reduction Act Submission, supporting statements and approved collection of information instrument(s) are placed into OMB's public docket files. The Federal Reserve may not conduct or sponsor, and the respondent is not required to respond to, an information collection that has been extended, revised, or implemented on or after October 1, 1995, unless it displays a currently valid OMB control number. FOR FURTHER INFORMATION CONTACT: Federal Reserve Board Clearance Officer --Nuha Elmaghrabi--Office of the Chief Data Officer, Board of Governors of the Federal Reserve System, Washington, DC 20551, (202) 452-3829. Telecommunications Device for the Deaf (TDD) users may contact (202) 263-4869, Board of Governors of the Federal Reserve System, Washington, DC 20551. OMB Desk Officer--Shagufta Ahmed--Office of Information and Regulatory Affairs, Office of Management and Budget, New Executive Office Building, Room 10235, 725 17th Street NW., Washington, DC 20503. Final approval under OMB delegated authority of the extension for three years, with revision, of the following report: Report Title: Interchange Transaction Fees Surveys. [[Page 79485]] Agency Form Number: FR 3064a (Extended with revision) and FR 3064b (Extended without revision). OMB Control Number: 7100-0344. Frequency: FR 3064a--Biennial; FR 3064b--Annual. Respondents: Issuers of debit cards (FR 3064a) and payment card networks (FR 3064b). Estimated Annual Burden Hours: FR 3064a: 89,280 hours; FR 3064b: 1,275 hours. Estimated Average Hours per Response: FR 3064a: 160 hours; FR 3064b: 75 hours. Number of Respondents: FR 3064a: 558; FR 3064b: 17. General description of report: The FR 3064a and 3064b surveys are authorized by subsection 920(a) of the Electronic Fund Transfer Act, which was amended by section 1075(a) of the Dodd-Frank Act.\1\ This statutory provision requires the Federal Reserve, at least once every two years,\2\ to disclose aggregate or summary information concerning the costs incurred and interchange transaction fees charged or received by issuers or payment card networks in connection with the authorization, clearance or settlement of electronic debit transaction, as the Federal Reserve considers appropriate and in the public interest.\3\ It also provides the Federal Reserve with authority to require issuers and payment card networks to provide information to enable the Federal Reserve to carry out the provisions of the subsection.\4\ The obligation to respond to these surveys is mandatory. --------------------------------------------------------------------------- \1\ 15 U.S.C. 1693o-2. \2\ The subsection refers to biannual disclosures and the Federal Reserve interprets this to mean once every two years. See 76 FR 43458 (July 20, 2011). \3\ 15 U.S.C. 1693o-2(a)(3)(B). \4\ Id. --------------------------------------------------------------------------- In accordance with the statutory requirement, the Federal Reserve will release aggregate or summary information from the survey responses. In addition, the Federal Reserve will release, at the network level, the percentage of total number of transactions, the percentage of total value of transactions, and the average transaction value for exempt and not-exempt issuers obtained on the FR 3064b. The Federal Reserve has determined to release this information both because it can already be determined mathematically based on the information the Federal Reserve currently releases on average interchange fees and because the Federal Reserve believes the release of such information may be useful to issuers and merchants in choosing payment card networks in which to participate and to policymakers in assessing the effect of Regulation II on the level of interchange fees received by issuers over time. However, the remaining individual issuer and payment card information collected on these surveys can be kept confidential under exemption (b)(4) of the Freedom of Information Act (FOIA) because staff has advised that, if released, this information would cause substantial harm to the competitive position of the survey respondents.\5\ --------------------------------------------------------------------------- \5\ 5 U.S.C. 552(b)(4) (exempting from disclosure ``trade secrets and commercial or financial information obtained from a person and privileged or confidential''). --------------------------------------------------------------------------- Abstract: The Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act) requires the Federal Reserve to disclose, at least every two years, such aggregate or summary information concerning the costs incurred for, and interchange transaction fees received by, issuers with respect to debit card transactions, as the Federal Reserve considers appropriate or in the public interest. The data from these surveys are used in fulfilling that disclosure requirement. In addition, the Federal Reserve uses data from the payment card network survey (FR 3064b) to publicly report on an annual basis the extent to which networks have established separate interchange fees for exempt and covered issuers. Finally, the Federal Reserve uses the data from these surveys in determining whether to propose revisions to the interchange fee standards in Regulation II (12 CFR part 235). The Dodd- Frank Act provides the Federal Reserve with authority to require debit card issuers and payment card networks to submit information in order to carry out provisions of the Dodd-Frank Act regarding interchange fee standards. Current Actions: On August 9, 2016 the Federal Reserve published a notice in the Federal Register (81 FR 52689) requesting public comment for 60 days on the extension, with revision, of the Interchange Transaction Fees Surveys. The comment period for this notice expired on October 11, 2016. The Federal Reserve received one joint comment letter addressing this collection, which are summarized and addressed below. Summary Discussion of Public Comments and Recommended Responses 6 --------------------------------------------------------------------------- \6\ On August 2, 2016, the Federal Reserve Board granted initial approval of these surveys. Notice of the proposed action was published in the Federal Register on August 9, 2016; the comment period ended on October 11, 2016. The Federal Reserve received one comment letter addressing the proposed revisions to the FR 3064 information collection. --------------------------------------------------------------------------- The Federal Reserve received one joint comment letter from eight banking industry associations, which concerned the debit card issuer survey (FR 3064a). The commenters in this letter commended the Federal Reserve for proposing a full 90-day period for respondents to complete the survey, but suggested that the 90-day period commence in mid- February rather than mid-January, because respondents generally cannot begin collecting the requested data until February. The commenters suggested several changes to the online reporting tool which they argued would facilitate completion of the survey. The commenters also suggested that the survey no longer ask respondents to provide information on interchange fees repaid as a result of chargebacks and, separately, interchange fees repaid as a result of returns, but instead ask respondents to provide a single number that is interchange fees repaid as a result of chargebacks or returns. In addition, the commenters argued that the survey's definition of ``costs of authorization, clearance, and settlement'' fails to include all costs related to a debit card issuer's authorization, clearance, and settlement activities, and they recommended expanding the definition to include additional cost items. Lastly, the commenters suggested that international fraud losses be included as part of reported fraud losses. In addition to revisions that were already suggested and were supported by the commenters, the Federal Reserve revised the debit card issuer survey to incorporate certain additional suggestions from the commenters. In particular, the Federal Reserve is commencing the survey at the beginning of February, providing a total line for interchange fees repaid as a result of chargebacks or returns, and making certain technical changes to the reporting tool for the survey. The Federal Reserve is not expanding the survey to include international fraud losses or additional cost elements. [[Page 79486]] Detailed Discussion of Public Comments and Recommended Responses Debit Card Issuer Survey (FR 3064a) Section-by-Section Analysis Section II: All Debit Card Transactions, Section III: All Single- Message (PIN) Debit Card Transactions, Section IV: All Dual-Message (Signature) Debit Card Transactions, and Section V: General-Use Prepaid Card Transactions Question 3: Cost of authorization, clearance, and settlement--The Federal Reserve proposed to delete questions 3e and 3f which break out the fixed and variable cost components for line items 3b.1 In-house costs and 3b.2 Third-party processing fees, respectively. The commenters strongly supported this proposal. They argued that the allocation of costs to fixed and variable components places an undue burden on respondents by forcing them to categorize costs in an artificial manner outside of respondents' standard cost accounting practices. The Federal Reserve believes that the commenters' support for this change validates the Federal Reserve's proposal to remove these items. The commenters further believe that the definition of ``costs of authorization, clearance, and settlement'' fails to include all costs related to a debit card issuer's authorization, clearance, and settlement activities. The commenters provided a list of categories of costs that should be included and recommended that these categories be reported as individual cost items, if they are not already. Specifically, the commenters recommended expanding the definition to include the following items: costs associated with receiving, responding to, and resolving customer inquiries with respect to debit card transactions; debit card transaction compliance costs; debit card transaction non-sufficient funds handing costs; card production and delivery costs; and a portion of costs related to establishing and maintaining debit account relationships. The Federal Reserve is keeping the set of data elements as proposed. Some of the proposed categories of costs (e.g., cardholder inquiry and non-sufficient funds handling costs) are already included in the survey, and all of the proposed categories are costs that the Federal Reserve determined would not be considered as part of the interchange fee standard in Regulation II. Including these additional cost categories and requiring issuers to report at a more detailed level would not significantly enhance the Federal Reserve's understanding of the relevant costs for Regulation II and would represent a significant burden to respondents. The commenters suggested that international fraud losses be included as part of reported fraud losses. The commenters argued that international fraud losses should be considered as part of the fraud losses associated with domestic transactions for U.S.-issued debit cards because the data compromise leading to the fraudulent debit card activity frequently occurs in the United States and generates fraudulent international transactions even if the cardholder never leaves the United States. The commenters likened this to the Federal Reserve allowing respondents to include costs from international transaction processing centers when reporting the costs associated with U.S.-issued debit cards. The commenters acknowledge that the Federal Reserve's authority to regulate debit card activity is restricted to the United States, but argued that this does not preclude the Federal Reserve from considering costs that occurred outside of the United States, if those costs could not have been incurred but for the issuance of a U.S. debit card. International fraud losses arise from international transactions, not domestic transactions, and are therefore outside the scope of Regulation II.\7\ As such, international fraud losses are analogous to ATM fraud losses, which are also not included. The commenters noted that costs incurred at international transaction processing centers are included, but that is because costs incurred at those processing centers are still associated with domestic transactions, whereas international fraud losses are not associated with domestic transactions. Thus, international fraud losses will not be reported. --------------------------------------------------------------------------- \7\ Regulation II applies only to electronic debit transactions that are initiated at a merchant located in the United States. See paragraph 235.2(h)-5 of the Official Commentary on Regulation II. --------------------------------------------------------------------------- Question 6: Interchange fee revenue--The commenters suggested that the survey no longer ask respondents to provide information on interchange fees repaid as a result of chargebacks and, separately, interchange fees repaid as a result of returns. The commenters argued that payment networks providing interchange fee information do not readily provide a breakdown of chargebacks and returns, such that respondents are often forced to make arbitrary allocations. The commenters suggested that the survey instead ask respondents to provide a single value consisting of interchange fees repaid as a result of chargebacks or returns. The Federal Reserve added a line item in which respondents are asked to provide the value that commenters argue is readily available: interchange fees repaid as a result of chargebacks or returns. However, the Federal Reserve will continue to also ask respondents to provide a breakdown of this total number into interchange fees repaid as a result of chargebacks and, separately, interchange fees repaid as a result of returns. Respondents will, as always, have the option of entering ``not reported'' for those items. General Instructions The Federal Reserve proposed to make the survey available in mid- January, with a deadline in mid-April, thereby giving respondents a full 90 days in which to provide responses. The commenters commended the Federal Reserve for proposing a 90-day completion period, but suggested that the 90-day period begin in mid-February rather than in mid-January. The commenters noted that issuers will not have the required data to respond to the survey before mid-February; for instance, processors and networks often do not provide invoices to issuers until mid-January or later. Also, commenters argued that the necessary personnel are unavailable to begin completing the survey until other end-of-year closing activities are complete. The Federal Reserve is making the survey available at the beginning of February instead of mid-January, and due in early May rather than mid-April, in order to address the timing concerns raised by the commenters. The commenters also proposed three changes to the online reporting tool for the survey. First, commenters recommended that the online survey round entries to the nearest whole dollar. Second, commenters recommended that entries be right-justified. Third, commenters suggested that there be a way for respondents to consolidate all of entries, across all sections, into a single editable spreadsheet. The Federal Reserve is making all of these changes, subject to any unanticipated technical difficulties that may arise in the current interface. Payment Card Network Survey (FR 3064b) The Federal Reserve received no comments on the Payment Card Network survey (FR 3064b). [[Page 79487]] Board of Governors of the Federal Reserve System, November 8, 2016. Robert deV. Frierson, Secretary of the Board. [FR Doc. 2016-27299 Filed 11-10-16; 8:45 am] BILLING CODE 6210-01-P
![79484 Federal Register / Vol. 81, No. 219 / Monday, November 14, 2016 / Notices
Final approval under OMB delegated mandatory and its collection is Board of Governors of the Federal Reserve
authority of the extension for three authorized by sections 17A(c), 17(a)(3), System, November 8, 2016.
years, with revision, of the following and 23(a)(1) of the Act, as amended (15 Robert deV. Frierson,
report: U.S.C. 78q–1(c), 78q(a)(3), and Secretary of the Board.
Report Title: Uniform Interagency 78w(a)(1)). Additionally, section [FR Doc. 2016–27292 Filed 11–10–16; 8:45 am]
Transfer Agent Registration and 3(a)(34)(B)(ii) of the Act (15 U.S.C. BILLING CODE 6210–01–P
Amendment Form. 78c(a)(34)(B)(ii)) provides that the Board
OMB Control Number: 7100–0099.
Agency Form Number: Form TA–1. is the appropriate regulatory agency for
purposes of various filings by SMBs and FEDERAL RESERVE SYSTEM
Frequency: On occasion.
Reporters: State member banks their subsidiaries, BHCs, SLHCs, and
Agency Information Collection
(‘‘SMBs’’) and their subsidiaries, bank certain nondepository trust company Activities: Announcement of Board
holding companies (‘‘BHCs’’), certain subsidiaries of BHCs that act as a Approval Under Delegated Authority
nondeposit trust company subsidiaries clearing agency or transfer agent. The and Submission to OMB
of BHCs, and savings and loan holding registrations are public filings and are
companies (‘‘SLHCs’’). not considered confidential. AGENCY: Board of Governors of the
Effective Date: December 31, 2016. Federal Reserve System.
Estimated Number of Respondents: Board of Governors of the Federal Reserve SUMMARY: Notice is hereby given of the
System, November 8, 2016. final approval of a proposal to extend
Registrations: 2; amendments: 4.
Estimated Average Hours per Robert deV. Frierson, for three years, with revision, the debit
Response: Registrations: 1.25 hours; Secretary of the Board. card issuer survey (FR 3064a; OMB No.
amendments: 10 minutes. [FR Doc. 2016–27298 Filed 11–10–16; 8:45 am] 7100–0344) and to extend for three
Estimated Annual Burden Hours: 4 BILLING CODE 6210–01–P years, without revision, the payment
hours. card network survey (FR 3064b; OMB
General Description of Report: The No. 7100–0344) by the Board of
Securities Exchange Act of 1934 (the FEDERAL RESERVE SYSTEM Governors of the Federal Reserve
Act) requires any person acting as a System (Board) under OMB delegated
transfer agent to register as such and to Change in Bank Control Notices; authority, as per 5 CFR 1320.16 (OMB
amend registration information when it Acquisitions of Shares of a Bank or Regulations on Controlling Paperwork
changes. State member banks (SMBs) Bank Holding Company Burdens on the Public). Board-approved
and their subsidiaries, bank holding collections of information are
companies (BHCs), savings and loan The notificants listed below have incorporated into the official OMB
holding companies (SLHCs), and certain applied under the Change in Bank inventory of currently approved
nondeposit trust company and other collections of information. Copies of the
Control Act (12 U.S.C. 1817(j)) and
subsidiaries of BHCs register with the Paperwork Reduction Act Submission,
§ 225.41 of the Board’s Regulation Y (12
Federal Reserve System by submitting supporting statements and approved
Form TA–1. The information collected CFR 225.41) to acquire shares of a bank
or bank holding company. The factors collection of information instrument(s)
is available to the public upon request are placed into OMB’s public docket
and includes the company name, all that are considered in acting on the
notices are set forth in paragraph 7 of files. The Federal Reserve may not
business addresses, and answers to conduct or sponsor, and the respondent
three questions about the registrant’s the Act (12 U.S.C. 1817(j)(7)).
is not required to respond to, an
proposed activities as a transfer agent. The notices are available for information collection that has been
The Federal Reserve uses the immediate inspection at the Federal extended, revised, or implemented on or
information to act upon registration Reserve Bank indicated. The notices after October 1, 1995, unless it displays
applications and to aid in performing its also will be available for inspection at a currently valid OMB control number.
supervisory duties. the offices of the Board of Governors.
Current Actions: On June 10, 2016, FOR FURTHER INFORMATION CONTACT:
Interested persons may express their Federal Reserve Board Clearance
the Board, FDIC, and OCC jointly
views in writing to the Reserve Bank Officer —Nuha Elmaghrabi—Office of
published an initial notice in the
indicated for that notice or to the offices the Chief Data Officer, Board of
Federal Register 1 requesting public
comment for 60 days on the extension, of the Board of Governors. Comments Governors of the Federal Reserve
with revision, of Form TA–1. The Board must be received not later than System, Washington, DC 20551, (202)
proposed to revise the Form TA–1 to November 29, 2016. 452–3829. Telecommunications Device
require submission of the form to a A. Federal Reserve Bank of for the Deaf (TDD) users may contact
designated Federal Reserve Board email Minneapolis (Jacquelyn K. Brunmeier, (202) 263–4869, Board of Governors of
address, as well as certain other Assistant Vice President) 90 Hennepin the Federal Reserve System,
instructional clarifications.2 The Washington, DC 20551.
Avenue, Minneapolis, Minnesota
comment period for this notice expired OMB Desk Officer—Shagufta
55480–0291: Ahmed—Office of Information and
on August 9, 2016. The Board did not
receive any comments. The revisions 1. Michael L. Frei, Wagner, South Regulatory Affairs, Office of
will be implemented as proposed. Dakota, individually and with power to Management and Budget, New
Legal Authorization and vote the shares held in the Jill M. Frei Executive Office Building, Room 10235,
mstockstill on DSK3G9T082PROD with NOTICES
Confidentiality: The Form TA–1 is Trust, to retain control of 25 percent or 725 17th Street NW., Washington, DC
more of the shares of Commercial 20503.
1 See 81 FR 37665. Holding Company, Wagner, South Final approval under OMB delegated
2 The proposed revisions remove references to the Dakota, and thereby indirectly control of authority of the extension for three
Office of Thrift Supervision, clarify the definition years, with revision, of the following
of a ‘qualifying security’ pursuant to regulatory
Commercial State Bank of Wagner,
changes, and alter the number of Form TA–1 copies Wagner, South Dakota. report:
registrants are required to file with the Federal Report Title: Interchange Transaction
Reserve Board. Fees Surveys.
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![Federal Register / Vol. 81, No. 219 / Monday, November 14, 2016 / Notices 79487
Board of Governors of the Federal Reserve Capital Corporation, La Jolla, California Commission, Room CC–5301, 600
System, November 8, 2016. through BankCap Partners Opportunity Pennsylvania Ave. NW., Washington,
Robert deV. Frierson, Fund, L.P., Dallas, Texas. Silvergate DC 20580, or by telephone to (202) 326–
Secretary of the Board. Capital Corporation controls Silvergate 2740.
[FR Doc. 2016–27299 Filed 11–10–16; 8:45 am] Bank, La Jolla, California. SUPPLEMENTARY INFORMATION: On August
BILLING CODE 6210–01–P Board of Governors of the Federal Reserve 12, 2016, the Commission sought
System, November 7, 2016. comment on the reporting requirements
Robert deV. Frierson, associated with the HSR Rules and
FEDERAL RESERVE SYSTEM Secretary of the Board. corresponding Notification and Report
[FR Doc. 2016–27227 Filed 11–10–16; 8:45 am] Form. 81 FR 53484. No relevant
Formations of, Acquisitions by, and comments were received. Pursuant to
Mergers of Bank Holding Companies BILLING CODE 6210–01–P
the OMB regulations, 5 CFR part 1320,
The companies listed in this notice that implement the PRA, 44 U.S.C. 3501
have applied to the Board for approval, et seq., the FTC is providing this second
FEDERAL TRADE COMMISSION
pursuant to the Bank Holding Company opportunity for public comment while
Act of 1956 (12 U.S.C. 1841 et seq.) Agency Information Collection seeking OMB approval to renew the pre-
(BHC Act), Regulation Y (12 CFR part Activities; Submission for OMB existing clearance for those information
225), and all other applicable statutes Review; Comment Request; Extension collection requirements. For more
and regulations to become a bank details about the requirements of the
holding company and/or to acquire the AGENCY: Federal Trade Commission HSR Rules, the background behind
assets or the ownership of, control of, or (‘‘Commission’’ or ‘‘FTC’’). these information collection provisions,
the power to vote shares of a bank or ACTION: Notice. and the basis for the calculations
bank holding company and all of the summarized below, see 81 FR 53484.
SUMMARY: The information collection
banks and nonbanking companies requirements described below will be Burden Statement
owned by the bank holding company, submitted to the Office of Management
including the companies listed below. The following burden estimates are
and Budget (‘‘OMB’’) for review, as primarily based on FTC data concerning
The applications listed below, as well
required by the Paperwork Reduction the number of HSR filings and staff’s
as other related filings required by the
Act (‘‘PRA’’). The FTC is seeking public informal consultations with HSR
Board, are available for immediate
comments on its proposal to extend for counsel; the explanations behind them
inspection at the Federal Reserve Bank
an additional three years the current appear in the August 12, 2016 Federal
indicated. The applications will also be
PRA clearance for reporting Register Notice alluded to above. Minor
available for inspection at the offices of
requirements in its Antitrust revisions below to some of the prior
the Board of Governors. Interested
Improvements Act Rules (‘‘HSR Rules’’) calculations reflect the assumption that
persons may express their views in
and corresponding Notification and a transaction withdrawn and later
writing on the standards enumerated in
Report Form for Certain Mergers and refiled will entail two filings per
the BHC Act (12 U.S.C. 1842(c)). If the
Acquisitions (‘‘Notification and Report transaction.
proposal also involves the acquisition of
Form’’). That clearance expires on Estimated total annual hours: 168,486
a nonbanking company, the review also
December 31, 2016. hours.
includes whether the acquisition of the
nonbanking company complies with the DATES: Comments must be filed by [(4,553 non-index filings × 37 hours/
standards in section 4 of the BHC Act December 14, 2016. each) + (10 index filings × 2 hours/
(12 U.S.C. 1843). Unless otherwise ADDRESSES: Interested parties may file a each) + (1 withdrawn transaction
noted, nonbanking activities will be comment online or on paper, by later restarted × 5 hours))]
conducted throughout the United States. following the instructions in the Estimated total annual labor cost:
Unless otherwise noted, comments Request for Comment part of the $77,503,560.
regarding each of these applications SUPPLEMENTARY INFORMATION section Estimated total annual non-labor cost:
must be received at the Reserve Bank below. Write ‘‘HSR PRA Clearance $0.
indicated or the offices of the Board of Extension, P169300’’ on your comment Request for Comment: You can file a
Governors not later than December 12, and file your comment online at https:// comment online or on paper. For the
2016. ftcpublic.commentworks.com/ftc/ Commission to consider your comment,
A. Federal Reserve Bank of Chicago hsrrulespra2, by following the we must receive it on or before
(Colette A. Fried, Assistant Vice instructions on the web-based form. If December 14, 2016. Write ‘‘HSR PRA
President) 230 South LaSalle Street, you prefer to file your comment on Clearance Extension, P169300’’ on your
Chicago, Illinois 60690–1414: paper, mail your comment to the comment. Your comment—including
1. United Community Bancorp, Inc., following address: Federal Trade your name and your state—will be
Chatham, Illinois; to merge with Liberty Commission, Office of the Secretary, placed on the public record of this
Bancshares, Inc., Alton, Illinois and 600 Pennsylvania Avenue NW., Suite proceeding, including to the extent
thereby indirectly acquire Liberty Bank, CC–5610 (Annex J), Washington, DC practicable, on the public Commission
Alton, Illinois. 20580, or deliver your comment to the Web site, at http://www.ftc.gov/os/
B. Federal Reserve Bank of Dallas following address: Federal Trade publiccomments.shtm. As a matter of
(Robert L. Triplett III, Senior Vice Commission, Office of the Secretary, discretion, the Commission tries to
mstockstill on DSK3G9T082PROD with NOTICES
President) 2200 North Pearl Street, Constitution Center, 400 7th Street SW., remove individuals’ home contact
Dallas, Texas 75201–2272: 5th Floor, Suite 5610 (Annex J), information from comments before
1. BankCap Equity Fund LLC, Washington, DC 20024. placing them on the Commission Web
BankCap Partners GP L.P., and FOR FURTHER INFORMATION CONTACT: site.
BankCap Partners Fund I, L.P., both of Robert L. Jones, Assistant Director, Because your comment will be made
Dallas, Texas; to acquire up to 24.73 Premerger Notification Office, Bureau of public, you are solely responsible for
percent of voting shares of Silvergate Competition, Federal Trade making sure that your comment does
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Document Created: 2018-10-24 10:46:10
Document Modified: 2018-10-24 10:46:10
| 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 | On August 9, 2016 the Federal Reserve published a notice in the Federal Register (81 FR 52689) requesting public comment for 60 days on the extension, with revision, of the Interchange Transaction Fees Surveys. The comment period for this notice expired on October 11, 2016. The Federal Reserve received one joint comment letter | |
| Contact | Federal Reserve Board Clearance Officer --Nuha Elmaghrabi--Office of the Chief Data Officer, Board of Governors of the Federal Reserve System, Washington, DC 20551, (202) 452-3829. Telecommunications Device for the Deaf (TDD) users may contact (202) 263-4869, Board of Governors of the Federal Reserve System, Washington, DC 20551. | |
| FR Citation | 81 FR 79484 |
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