82 FR 41959 - TaxSlayer, LLC; Analysis To Aid Public Comment

FEDERAL TRADE COMMISSION

Federal Register Volume 82, Issue 170 (September 5, 2017)

Page Range		41959-41961
FR Document		2017-18706
The consent agreement in this matter settles alleged violations of the Gramm-Leach-Bliley Act Privacy Rule, and of the Gramm-Leach-Bliley Act Safeguards Rule. The attached Analysis To Aid Public Comment describes both the allegations in the complaint and the terms of the consent order--embodied in the consent agreement--that would settle these allegations.
Federal Register, Volume 82 Issue 170 (Tuesday, September 5, 2017)
[Federal Register Volume 82, Number 170 (Tuesday, September 5, 2017)]
[Notices]
[Pages 41959-41961]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2017-18706]


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FEDERAL TRADE COMMISSION

[File No. 162 3063]


TaxSlayer, LLC; Analysis To Aid Public Comment

AGENCY: Federal Trade Commission.

ACTION: Proposed consent agreement.

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SUMMARY: The consent agreement in this matter settles alleged 
violations of the Gramm-Leach-Bliley Act Privacy Rule, and of the 
Gramm-Leach-Bliley Act Safeguards Rule. The attached Analysis To Aid 
Public Comment describes both the allegations in the complaint and the 
terms of the consent order--embodied in the consent agreement--that 
would settle these allegations.

DATES: Comments must be received on or before September 29, 2017.

ADDRESSES: Interested parties may file a comment online or on paper, by 
following the instructions in the Request for Comment part of the 
SUPPLEMENTARY INFORMATION section below. Write: ``In the Matter of 
TaxSlayer, LLC, File No. 1623063'' on your comment, and file your 
comment online at https://ftcpublic.commentworks.com/ftc/taxslayerconsent by following the instructions on the web-based form. 
If you prefer to file your comment on paper, write ``In the Matter of 
TaxSlayer, LLC, File No. 1623063'' on your comment and on the envelope, 
and mail your comment to the following address: Federal Trade 
Commission, Office of the Secretary, 600 Pennsylvania Avenue NW., Suite 
CC-5610 (Annex D), Washington, DC 20580, or deliver your comment to the 
following address: Federal Trade Commission, Office of the Secretary, 
Constitution Center, 400 7th Street SW., 5th Floor, Suite 5610 (Annex 
D), Washington, DC 20024.

FOR FURTHER INFORMATION CONTACT: Katherine McCarron (202-326-2333) and 
Jacqueline Connor (202-326-2844), Bureau of Consumer Protection, 600 
Pennsylvania Avenue NW., Washington, DC 20580.

SUPPLEMENTARY INFORMATION: Pursuant to Section 6(f) of the Federal 
Trade Commission Act, 15 U.S.C. 46(f), and FTC Rule 2.34, 16 CFR 2.34, 
notice is hereby given that the above-captioned consent agreement 
containing a consent order to cease and desist, having been filed with 
and accepted, subject to final approval, by the Commission, has been 
placed on the public record for a period of thirty (30) days. The 
following Analysis To Aid Public Comment describes the terms of the 
consent agreement, and the allegations in the complaint. An electronic 
copy of the full text of the consent agreement package can be obtained 
from the FTC Home Page (for August 29, 2017), on the World Wide Web, at 
https://www.ftc.gov/news-events/commission-actions.

[[Page 41960]]

    You can file a comment online or on paper. For the Commission to 
consider your comment, we must receive it on or before September 29, 
2017. Write ``In the Matter of TaxSlayer, LLC, File No. 1623063'' on 
your comment. Your comment--including your name and your state--will be 
placed on the public record of this proceeding, including, to the 
extent practicable, on the public Commission Web site, at https://www.ftc.gov/policy/public-comments.
    Postal mail addressed to the Commission is subject to delay due to 
heightened security screening. As a result, we encourage you to submit 
your comments online. To make sure that the Commission considers your 
online comment, you must file it at https://ftcpublic.commentworks.com/ftc/taxslayerconsent by following the instructions on the web-based 
form. If this Notice appears at http://www.regulations.gov/#!home, you 
also may file a comment through that Web site.
    If you prefer to file your comment on paper, write ``In the Matter 
of TaxSlayer, LLC, File No. 1623063'' on your comment and on the 
envelope, and mail your comment to the following address: Federal Trade 
Commission, Office of the Secretary, 600 Pennsylvania Avenue NW., Suite 
CC-5610 (Annex D), Washington, DC 20580, or deliver your comment to the 
following address: Federal Trade Commission, Office of the Secretary, 
Constitution Center, 400 7th Street SW., 5th Floor, Suite 5610 (Annex 
D), Washington, DC. 20024. If possible, submit your paper comment to 
the Commission by courier or overnight service.
    Because your comment will be placed on the publicly accessible FTC 
Web site at https://www.ftc.gov, you are solely responsible for making 
sure that your comment does not include any sensitive or confidential 
information. In particular, your comment should not include any 
sensitive personal information, such as your or anyone else's Social 
Security number; date of birth; driver's license number or other state 
identification number, or foreign country equivalent; passport number; 
financial account number; or credit or debit card number. You are also 
solely responsible for making sure that your comment does not include 
any sensitive health information, such as medical records or other 
individually identifiable health information. In addition, your comment 
should not include any ``trade secret or any commercial or financial 
information which . . . is privileged or confidential''--as provided by 
Section 6(f) of the FTC Act, 15 U.S.C. 46(f), and FTC Rule 4.10(a)(2), 
16 CFR 4.10(a)(2)--including in particular competitively sensitive 
information such as costs, sales statistics, inventories, formulas, 
patterns, devices, manufacturing processes, or customer names.
    Comments containing material for which confidential treatment is 
requested must be filed in paper form, must be clearly labeled 
``Confidential,'' and must comply with FTC Rule 4.9(c). In particular, 
the written request for confidential treatment that accompanies the 
comment must include the factual and legal basis for the request, and 
must identify the specific portions of the comment to be withheld from 
the public record. See FTC Rule 4.9(c). Your comment will be kept 
confidential only if the General Counsel grants your request in 
accordance with the law and the public interest. Once your comment has 
been posted on the public FTC Web site--as legally required by FTC Rule 
4.9(b)--we cannot redact or remove your comment from the FTC Web site, 
unless you submit a confidentiality request that meets the requirements 
for such treatment under FTC Rule 4.9(c), and the General Counsel 
grants that request.
    Visit the FTC Web site at http://www.ftc.gov to read this Notice 
and the news release describing it. The FTC Act and other laws that the 
Commission administers permit the collection of public comments to 
consider and use in this proceeding, as appropriate. The Commission 
will consider all timely and responsive public comments that it 
receives on or before September 29, 2017. For information on the 
Commission's privacy policy, including routine uses permitted by the 
Privacy Act, see https://www.ftc.gov/site-information/privacy-policy.

Analysis of Agreement Containing Consent Order To Aid Public Comment

    The Federal Trade Commission has accepted, subject to final 
approval, an agreement containing a consent order from TaxSlayer, LLC 
(``TaxSlayer'').
    The proposed consent order has been placed on the public record for 
thirty (30) days for receipt of comments by interested persons. 
Comments received during this period will become part of the public 
record. After thirty (30) days, the Commission again will review the 
agreement and the comments received and will decide whether it should 
withdraw from the agreement or make final the agreement's proposed 
order.
    This matter involves TaxSlayer, a company that advertises, offers 
for sale, sells, and distributes products and services to consumers, 
including TaxSlayer Online, a browser-based tax return preparation and 
electronic filing software and service. TaxSlayer Online assists 
consumers, typically for a fee, in preparing and electronically filing 
federal and state income tax returns. In 2016, more than 950,000 
individuals filed tax returns using TaxSlayer Online.
    TaxSlayer Online users create an account by entering a username and 
password (``login credentials'') on an account creation page. They then 
input a host of personal information in order to create a tax return, 
including but not limited to: Name, Social Security number (``SSN''), 
telephone number, physical address, income, employment status, marital 
status, identity of dependents, financial assets, financial activities, 
receipt of government benefits, home ownership, indebtedness, health 
insurance, retirement information, charitable donations, tax payments, 
tax refunds, bank account numbers, and payment card numbers.
    TaxSlayer Online uses this personal information to prepare tax 
returns on behalf of customers. Once a tax return is prepared, a 
customer can file the return electronically through TaxSlayer Online 
with the Internal Revenue Service (``IRS'') and state departments of 
revenue. If a customer is entitled to a refund, TaxSlayer offers the 
option of directing the refund into a customer's bank account, or 
customers may elect to receive their refunds on a prepaid debit card.
    The complaint alleges that TaxSlayer became subject to a list 
validation attack that began in October 2015. List validation attacks 
occur when attackers use lists of stolen login credentials to attempt 
to access accounts across a number of Web sites, knowing that consumers 
often reuse login credentials. In an unknown number of instances, the 
attackers engaged in tax identity theft by e-filing fraudulent tax 
returns and diverting the fabricated refunds to themselves.
    The Commission's complaint alleges that TaxSlayer failed to comply 
with the Gramm-Leach-Bliley (``GLB'') Act Privacy Rule in two ways. 
First, TaxSlayer failed to provide a clear and conspicuous initial 
privacy notice. TaxSlayer's Privacy Policy was contained towards the 
end of a long License Agreement, and TaxSlayer did not convey the 
importance, nature, and relevance of this Privacy Policy to its 
customers. Second, TaxSlayer failed to deliver the initial privacy 
notice so that each customer could reasonably be expected to receive 
actual notice. For example, TaxSlayer did not require customers to 
acknowledge receipt of the

[[Page 41961]]

initial privacy notice as a necessary step to obtaining a particular 
financial product or service.
    In addition, the complaint alleges that TaxSlayer engaged in a 
number of practices that, taken together, failed to provide reasonable 
and appropriate security for sensitive information from consumers, in 
violation of the GLB Act Safeguards Rule. First, TaxSlayer failed to 
have a written information security program until November 2015. 
Second, TaxSlayer failed to conduct a risk assessment, which would have 
identified reasonably foreseeable risks to the security, 
confidentiality, and integrity of customer information, including risks 
associated with inadequate authentication. Third, TaxSlayer failed to 
implement information safeguards to control the risks to customer 
information from inadequate authentication.
    The proposed order contains provisions designed to prevent 
TaxSlayer from engaging in practices similar to those alleged in the 
complaint. Part I prohibits TaxSlayer from violating any provision of 
the GLB Act Privacy Rule and Safeguards Rule. Part II of the proposed 
order requires TaxSlayer to obtain, within the first one hundred eighty 
(180) days after service of the order and on a biennial basis 
thereafter for a period of ten (10) years, an assessment and report 
from a qualified, objective, independent third-party professional, 
certifying, among other things, that: (1) It has in place a security 
program that provides protections that meet or exceed the protections 
required by Part I.B of the order, and (2) its security program is 
operating with sufficient effectiveness to provide reasonable assurance 
that the security, confidentiality, and integrity of sensitive consumer 
information has been protected.
    Parts III through VII of the proposed order are reporting and 
compliance provisions. Part III requires dissemination of the order now 
and in the future to all current and future principals, offers, 
directors, and LLC managers and directors, and to persons with 
managerial or supervisory responsibilities relating to Parts I through 
IV of the order. Part IV ensures notification to the FTC of changes in 
corporate status and mandates that TaxSlayer submit an initial 
compliance report to the FTC. Part V requires TaxSlayer to retain 
documents relating to its compliance with the order for a five-year 
period. Part VI mandates that TaxSlayer make available to the FTC 
information or subsequent compliance reports, as requested. Part VII is 
a provision ``sunsetting'' the order after twenty (20) years, with 
certain exceptions.
    The purpose of this analysis is to facilitate public comment on the 
proposed order. It is not intended to constitute an official 
interpretation of the proposed complaint or order, or to modify in any 
way the proposed order's terms.

    By direction of the Commission.
Donald S. Clark,
Secretary.
[FR Doc. 2017-18706 Filed 9-1-17; 8:45 am]
 BILLING CODE 6750-01-P
Federal Register / Vol. 82, No. 170 / Tuesday, September 5, 2017 / Notices 41959

address the responsibilities and liabilities of 4. The provision of the joint account ACTION: Proposed consent agreement.
the participants, agent, and operator in cases should not create undue credit, settlement, or
of operational disruption, or erroneous or other risks to the Reserve Banks. SUMMARY: The consent agreement in this
fraudulent conduct. Æ The agent and the joint account holders matter settles alleged violations of the
Æ Requests for joint accounts involving a should demonstrate an ongoing ability to
financially unsound operator would not be meet all obligations under the joint account
Gramm-Leach-Bliley Act Privacy Rule,
approved. Evaluation may include, among agreement with the account-holding Reserve and of the Gramm-Leach-Bliley Act
other things, reviewing financial statements Bank. Safeguards Rule. The attached Analysis
of the operator, as well as cash flow Æ The manner in which the joint account To Aid Public Comment describes both
projections (including capital and operating will be used in support of the private-sector the allegations in the complaint and the
expenses). arrangement and any anticipated use of terms of the consent order—embodied
Æ Evaluation under this principle will take Reserve Bank services should be identified. in the consent agreement—that would
into account the applicable supervisory Æ Reserve Banks will not extend overnight
settle these allegations.
framework for the private-sector or intraday credit to a joint account. The
arrangement.22 The payment system private-sector arrangement should structure DATES: Comments must be received on
established by a private-sector arrangement its use of the joint account and Reserve Bank or before September 29, 2017.
(including the operator) should be subject to services in a manner that seeks to avoid
federal or state supervision and should also intraday overdrafts. The agent also should ADDRESSES: Interested parties may file a
be subject to the jurisdiction of a federal demonstrate ways to monitor the joint comment online or on paper, by
banking agency with the authority to account on an ongoing basis to avoid following the instructions in the
examine or inspect the private-sector overdrafts and to promptly cover any Request for Comment part of the
arrangement and take supervisory actions inadvertent overdrafts. SUPPLEMENTARY INFORMATION section
against the arrangement or its participants.23 Æ Further, the agent should demonstrate below. Write: ‘‘In the Matter of
This means for a payment system established the ability to appropriately monitor
TaxSlayer, LLC, File No. 1623063’’ on
by a private-sector arrangement and transactions into and out of the joint account.
supervised by a state regulatory body, a 5. The provision of a joint account should your comment, and file your comment
federal banking agency need not be engaging not create undue risk to the overall payment online at https://
in active supervision or examination, but system. ftcpublic.commentworks.com/ftc/
should have the authority to do so when the Æ The private-sector arrangement should taxslayerconsent by following the
risk, scope, and operations call for such not cause undue credit, settlement, or other instructions on the web-based form. If
supervision or examination. For example, risks to the efficient operation of other you prefer to file your comment on
under the Bank Service Company Act, federal payment systems or the payment system as paper, write ‘‘In the Matter of TaxSlayer,
banking agencies have the authority to a whole.
examine third-party service providers that Æ The operational and financial interaction LLC, File No. 1623063’’ on your
perform services for depository institutions with and use of other payment systems comment and on the envelope, and mail
that the depository institution could should be identified. your comment to the following address:
otherwise do itself. Æ The extent to which the use of the joint Federal Trade Commission, Office of the
Æ An evaluation under this principle account may restrict a portion of funds from Secretary, 600 Pennsylvania Avenue
would assess whether the system is widely being available to support liquidity needs of NW., Suite CC–5610 (Annex D),
available for use by its intended end users, depository institutions for other payment and Washington, DC 20580, or deliver your
is designed to minimize the risk of disruption settlement activity will also be considered.
(rejection or delay of payments) to end users, 6. The provision of a joint account should
comment to the following address:
and promotes transparency for end users and not adversely affect monetary policy Federal Trade Commission, Office of the
the public more broadly (for example, by operations. Secretary, Constitution Center, 400 7th
making its operating rules, rulemaking Æ Evaluation of the potential monetary Street SW., 5th Floor, Suite 5610
processes, list of participants, or certain policy implications of the use of a joint (Annex D), Washington, DC 20024.
network statistics publicly available). account will include whether the balance in
FOR FURTHER INFORMATION CONTACT:
Evaluation under this guideline would also the joint account would be treated as reserves
assess whether the system creates (that is, treated as available to satisfy any Katherine McCarron (202–326–2333)
inefficiencies in payment processes or joint account holder’s reserve balance and Jacqueline Connor (202–326–2844),
barriers to interoperability within the U.S. requirements or as excess reserves), the Bureau of Consumer Protection, 600
dollar payment system. Also of relevance is expected predictability and volatility of the Pennsylvania Avenue NW., Washington,
whether the private-sector arrangement end-of-day joint account balances, and the DC 20580.
promotes payment system improvements and potential for the account agreement with the
innovations and the extent to which the account-holding Reserve Bank to impose SUPPLEMENTARY INFORMATION: Pursuant
arrangement fosters competition in the limitations on account volatility without to Section 6(f) of the Federal Trade
payment system (for example between affecting the intended function of the Commission Act, 15 U.S.C. 46(f), and
providers of payment services). arrangement. This evaluation will occur FTC Rule 2.34, 16 CFR 2.34, notice is
Æ Finally, the design and rules of the regardless of the current monetary policy hereby given that the above-captioned
private-sector arrangement, including rules implementation framework in place. consent agreement containing a consent
relating to the funding of and disbursements
By order of the Board of Governors of the order to cease and desist, having been
from the joint account, should be consistent
Federal Reserve System, August 9, 2017. filed with and accepted, subject to final
with the intended use of the account, such
that a participant can only use the balances Ann E. Misback, approval, by the Commission, has been
for the intended purpose of settling payments Secretary of the Board. placed on the public record for a period
in the associated system. [FR Doc. 2017–18705 Filed 9–1–17; 8:45 am] of thirty (30) days. The following
BILLING CODE P Analysis To Aid Public Comment
22 Nothing in the Board’s guidelines should be describes the terms of the consent
interpreted to relieve any participant in the private- agreement, and the allegations in the
mstockstill on DSK30JT082PROD with NOTICES

sector arrangement from compliance with
obligations imposed by an institution’s supervisor, FEDERAL TRADE COMMISSION complaint. An electronic copy of the
including for example related to financial resources, full text of the consent agreement
liquidity, participant default management, and [File No. 162 3063] package can be obtained from the FTC
other aspects of risk management. Home Page (for August 29, 2017), on the
23 A federal banking agency would include the TaxSlayer, LLC; Analysis To Aid Public
World Wide Web, at https://
Board; the Federal Deposit Insurance Corporation Comment
(FDIC); and the Office of the Comptroller of the www.ftc.gov/news-events/commission-
Currency (OCC). AGENCY: Federal Trade Commission. actions.

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Federal Register / Vol. 82, No. 170 / Tuesday, September 5, 2017 / Notices 41961

initial privacy notice as a necessary step twenty (20) years, with certain Now’’ that corresponds with
to obtaining a particular financial exceptions. ‘‘Information Collection 9000–0089,
product or service. The purpose of this analysis is to Request for Authorization of Additional
In addition, the complaint alleges that facilitate public comment on the Classification and Rate, SF 1444.’’
TaxSlayer engaged in a number of proposed order. It is not intended to Follow the instructions provided on the
practices that, taken together, failed to constitute an official interpretation of screen. Please include your name,
provide reasonable and appropriate the proposed complaint or order, or to company name (if any), and
security for sensitive information from modify in any way the proposed order’s ‘‘Information Collection 9000–0089,
consumers, in violation of the GLB Act terms. Request for Authorization of Additional
Safeguards Rule. First, TaxSlayer failed By direction of the Commission. Classification and Rate, SF 1444’’ on
to have a written information security your attached document.
Donald S. Clark,
program until November 2015. Second,
Secretary.
• Mail: General Services
TaxSlayer failed to conduct a risk Administration, Regulatory Secretariat
assessment, which would have [FR Doc. 2017–18706 Filed 9–1–17; 8:45 am]
Division (MVCB), 1800 F Street NW.,
identified reasonably foreseeable risks BILLING CODE 6750–01–P
Washington, DC 20405. ATTN: Ms.
to the security, confidentiality, and Sosa/IC 9000–0089.
integrity of customer information, Instructions: Please submit comments
including risks associated with DEPARTMENT OF DEFENSE only and cite Information Collection
inadequate authentication. Third, 9000–0089, in all correspondence
TaxSlayer failed to implement GENERAL SERVICES
related to this collection. Comments
information safeguards to control the ADMINISTRATION
received generally will be posted
risks to customer information from without change to http://
inadequate authentication. NATIONAL AERONAUTICS AND
www.regulations.gov, including any
The proposed order contains SPACE ADMINISTRATION
personal and/or business confidential
provisions designed to prevent [OMB Control No. 9000–0089: Docket No. information provided. To confirm
TaxSlayer from engaging in practices 2017–0053; Sequence 3] receipt of your comment(s), please
similar to those alleged in the check www.regulations.gov,
complaint. Part I prohibits TaxSlayer Submission for OMB Review; Request approximately two to three days after
from violating any provision of the GLB for Authorization of Additional submission to verify posting (except
Act Privacy Rule and Safeguards Rule. Classification and Rate, Standard Form allow 30 days for posting of comments
Part II of the proposed order requires 1444 submitted by mail).
TaxSlayer to obtain, within the first one
AGENCY: Department of Defense (DOD), FOR FURTHER INFORMATION CONTACT: Ms.
hundred eighty (180) days after service
of the order and on a biennial basis General Services Administration (GSA), Zenaida Delgado, Procurement Analyst,
thereafter for a period of ten (10) years, and National Aeronautics and Space Federal Acquisition Policy Division,
an assessment and report from a Administration (NASA). GSA, 202–969–7207 or email
qualified, objective, independent third- ACTION: Notice. zenaida.delgado@gsa.gov.
party professional, certifying, among SUPPLEMENTARY INFORMATION:
SUMMARY: Under the provisions of the
other things, that: (1) It has in place a Paperwork Reduction Act of 1995, the A. Purpose
security program that provides Regulatory Secretariat Division will be
protections that meet or exceed the Federal Acquisition Regulation (FAR)
submitting to the Office of Management 22.406 prescribes labor standards for
protections required by Part I.B of the and Budget (OMB) a request to review
order, and (2) its security program is federally financed and assisted
and approve an extension of a construction contracts subject to the
operating with sufficient effectiveness to previously approved information
provide reasonable assurance that the Davis-Bacon and Related Acts (DBRA),
collection requirement concerning as well as labor standards for non-
security, confidentiality, and integrity of Request for Authorization of Additional
sensitive consumer information has construction contracts subject to the
Classification and Rate, Standard Form Contract Work Hours and Safety
been protected. (SF) 1444. A notice was published in
Parts III through VII of the proposed Standards Act (CWHSSA).
the Federal Register at 82 FR 20340 on The recordkeeping requirements in
order are reporting and compliance
May 1, 2017. No comments were this regulation, FAR 22.406, reflect the
provisions. Part III requires
dissemination of the order now and in received. requirements cleared under OMB
the future to all current and future DATES: Submit comments on or before control numbers 1235–0023, 1235–0008,
principals, offers, directors, and LLC October 5, 2017. and 1235–0018 for 29 CFR 5.5(a)(1)(i),
managers and directors, and to persons ADDRESSES: Submit comments regarding 5.5(c), and 5.15 (records to be kept by
with managerial or supervisory this burden estimate or any other aspect employers under the Fair Labor
responsibilities relating to Parts I of this collection of information, Standards Act (FLSA)). The regulation
through IV of the order. Part IV ensures including suggestions for reducing this at 29 CFR 516 reflects the basic
notification to the FTC of changes in burden to: Office of Information and recordkeeping and reporting
corporate status and mandates that Regulatory Affairs of OMB, Attention: requirements for the laws administered
TaxSlayer submit an initial compliance Desk Officer for GSA, Room 10236, by the Department of Labor Wage and
report to the FTC. Part V requires NEOB, Washington, DC 20503. Hour Division.
mstockstill on DSK30JT082PROD with NOTICES

TaxSlayer to retain documents relating Additionally submit a copy to GSA by FAR 22.406–3, implements the
to its compliance with the order for a any of the following methods: recordkeeping and information
five-year period. Part VI mandates that • Regulations.gov: http:// collection requirements prescribed in 29
TaxSlayer make available to the FTC www.regulations.gov. Submit comments CFR 5.5(a)(1)(ii) cleared under OMB
information or subsequent compliance via the Federal eRulemaking portal by control number 1235–0023 (also
reports, as requested. Part VII is a searching the OMB control number prescribed at 48 CFR 22.406 under OMB
provision ‘‘sunsetting’’ the order after 9000–0089. Select the link ‘‘Comment control number 9000–0089), by

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Document Created: 2017-09-02 03:25:03
Document Modified: 2017-09-02 03:25:03
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		Proposed consent agreement.
Dates		Comments must be received on or before September 29, 2017.
Contact		Katherine McCarron (202-326-2333) and Jacqueline Connor (202-326-2844), Bureau of Consumer Protection, 600 Pennsylvania Avenue NW., Washington, DC 20580.
FR Citation		82 FR 41959