82_FR_52151 82 FR 51936 - Agency Information Collection Activities: Revision of an Approved Information Collection; Comment Request; Company-Run Annual Stress Test Reporting Template and Documentation for Covered Institutions With Total Consolidated Assets of $50 Billion or More Under the Dodd-Frank Wall Street Reform and Consumer Protection Act

82 FR 51936 - Agency Information Collection Activities: Revision of an Approved Information Collection; Comment Request; Company-Run Annual Stress Test Reporting Template and Documentation for Covered Institutions With Total Consolidated Assets of $50 Billion or More Under the Dodd-Frank Wall Street Reform and Consumer Protection Act

DEPARTMENT OF THE TREASURY
Office of the Comptroller of the Currency

Federal Register Volume 82, Issue 215 (November 8, 2017)

Page Range51936-51937
FR Document2017-24309

The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other federal agencies to take this opportunity to comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the OCC may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The OCC is soliciting comment concerning a revision to a regulatory reporting requirement for national banks and federal savings associations titled, ``Company-Run Annual Stress Test Reporting Template and Documentation for Covered Institutions with Total Consolidated Assets of $50 Billion or More under the Dodd-Frank Wall Street Reform and Consumer Protection Act.''

Federal Register, Volume 82 Issue 215 (Wednesday, November 8, 2017) 
[Federal Register Volume 82, Number 215 (Wednesday, November 8, 2017)]
[Notices]
[Pages 51936-51937]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2017-24309]


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DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency


Agency Information Collection Activities: Revision of an Approved 
Information Collection; Comment Request; Company-Run Annual Stress Test 
Reporting Template and Documentation for Covered Institutions With 
Total Consolidated Assets of $50 Billion or More Under the Dodd-Frank 
Wall Street Reform and Consumer Protection Act

AGENCY: Office of the Comptroller of the Currency, Treasury (OCC).

ACTION:  Notice and request for comment.

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SUMMARY:  The OCC, as part of its continuing effort to reduce paperwork 
and respondent burden, invites the general public and other federal 
agencies to take this opportunity to comment on a continuing 
information collection, as required by the Paperwork Reduction Act of 
1995 (PRA).
    In accordance with the requirements of the PRA, the OCC may not 
conduct or sponsor, and the respondent is not required to respond to, 
an information collection unless it displays a currently valid Office 
of Management and Budget (OMB) control number.
    The OCC is soliciting comment concerning a revision to a regulatory 
reporting requirement for national banks and federal savings 
associations titled, ``Company-Run Annual Stress Test Reporting 
Template and Documentation for Covered Institutions with Total 
Consolidated Assets of $50 Billion or More under the Dodd-Frank Wall 
Street Reform and Consumer Protection Act.''

DATES: Comments must be received by January 8, 2018.

ADDRESSES:  Because paper mail in the Washington, DC area and at the 
OCC is subject to delay, commenters are encouraged to submit comments 
by email, if possible. Comments may be sent to: Legislative and 
Regulatory Activities Division, Office of the Comptroller of the 
Currency, Attention: 1557-0319, 400 7th Street SW., Suite 3E-218, 
Washington, DC 20219. In addition, comments may be sent by fax to (571) 
465-4326 or by electronic mail to [email protected]. You may 
personally inspect and photocopy comments at the OCC, 400 7 Street SW., 
Washington, DC 20219. For security reasons, the OCC requires that 
visitors make an appointment to inspect comments. You may do so by 
calling (202) 649-6700 or, for persons who are deaf or hearing 
impaired, TTY, (202) 649-5597. Upon arrival, visitors will be required 
to present valid government-issued photo identification and submit to 
security screening in order to inspect and photocopy comments.
    All comments received, including attachments and other supporting 
materials, are part of the public record and subject to public 
disclosure. Do not include any information in your comment or 
supporting materials that you consider confidential or inappropriate 
for public disclosure.

FOR FURTHER INFORMATION CONTACT: Shaquita Merritt, OCC Clearance 
Officer, (202) 649-5490 or, for persons who are deaf or hearing 
impaired, TTY, (202) 649-5597, Legislative and Regulatory Activities 
Division, Office of the Comptroller of the Currency, 400 7 St. SW., 
Washington, DC 20219. In addition, copies of the templates referenced 
in this notice can be found on the OCC's Web site under News and 
Issuances (http://www.occ.treas.gov/tools-forms/forms/bank-operations/stress-test-reporting.html).

SUPPLEMENTARY INFORMATION: The OCC is requesting comment on the 
following revision to an approved information collection:
    Title: Company-Run Annual Stress Test Reporting Template and 
Documentation for Covered Institutions with Total Consolidated Assets 
of $50 Billion or More under the Dodd-Frank Wall Street Reform and 
Consumer Protection Act.
    OMB Control No.: 1557-0319.
    Description: Section 165(i)(2) of the Dodd-Frank Wall Street Reform 
and Consumer Protection Act \1\ (Dodd-Frank Act) requires certain 
financial companies, including national banks and federal savings 
associations, to conduct annual stress tests \2\ and requires the 
primary financial regulatory agency \3\ of those financial companies to 
issue regulations implementing the stress test requirements.\4\ A 
national bank or federal savings association is a ``covered 
institution'' and therefore subject to the stress test requirements if 
its total consolidated assets are more than $10 billion. Under section 
165(i)(2), a covered institution is required to submit to the Board of 
Governors of the Federal Reserve System (Board) and to its primary 
financial regulatory agency a report at such time, in such form, and 
containing such information as the primary financial regulatory agency 
may require.\5\ On October 9, 2012, the OCC published in the Federal 
Register a final rule implementing the section 165(i)(2) annual stress 
test requirement.\6\ This rule describes the reports and information 
collections required to meet the reporting requirements under section 
165(i)(2). These information collections will be given confidential 
treatment (5 U.S.C. 552(b)(4)) to the extent permitted by law.
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    \1\ Pub. L. 111-203, 124 Stat. 1376, July 2010.
    \2\ 12 U.S.C. 5365(i)(2)(A).
    \3\ 12 U.S.C. 5301(12).
    \4\ 12 U.S.C. 5365(i)(2)(C).
    \5\ 12 U.S.C. 5365(i)(2)(B).
    \6\ 77 FR 61238 (October 9, 2012) (codified at 12 CFR part 46).
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    In 2012, the OCC first implemented the reporting templates 
referenced in the final rule. See 77 FR 49485 (August 16, 2012) and 77 
FR 66663 (November 6, 2012). The OCC is now revising the reporting 
templates as described below.

[[Page 51937]]

    The OCC intends to use the data collected to assess the 
reasonableness of the stress test results of covered institutions and 
to provide forward-looking information to the OCC regarding a covered 
institution's capital adequacy. The OCC also may use the results of the 
stress tests to determine whether additional analytical techniques and 
exercises could be appropriate to identify, measure, and monitor risks 
at the covered institution. The stress test results are expected to 
support ongoing improvement in a covered institution's stress testing 
practices with respect to its internal assessments of capital adequacy 
and overall capital planning.
    The OCC recognizes that many covered institutions with total 
consolidated assets of $50 billion or more are required to submit 
reports using Comprehensive Capital Analysis and Review (CCAR) 
reporting form FR Y-14A.\7\ The OCC also recognizes the Board has 
proposed to modify the FR Y-14A and, to the extent practical, the OCC 
will keep its reporting requirements consistent with the Board's FR Y-
14A in order to minimize burden on covered institutions.\8\ Therefore, 
the OCC is proposing to revise its reporting requirements to mirror the 
Board's proposed FR Y-14A for covered institutions with total 
consolidated assets of $50 billion or more. In addition to the changes 
that parallel the Board's proposed changes to the FR Y-14A, the OCC is 
also proposing two other changes. First, the proposal would modify the 
OCC supplemental schedule. Second, the proposal would allow federal 
savings associations to comply with the reporting requirements 
applicable to subsidiaries of large, noncomplex holding companies, as 
defined by the Board. These proposed changes are described in more 
detail below.
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    \7\ http://www.federalreserve.gov/reportforms.
    \8\ 82 FR 26793 (June 6, 2017).
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Proposed Revisions to Reporting Templates That Mirror Changes Proposed 
by the Board

    The proposed revisions to the DFAST-14A reporting templates consist 
of the following:
     Eliminating two schedules, the Regulatory Capital 
Transitions Schedule and Retail Repurchase Exposures Schedule;
     Adding one item to the counterparty worksheet of the 
summary schedule to collect information of Funding Valuation 
Adjustments (FVAs) for firms subject to the Global Market Shock;
     Eliminating references to the term ``extraordinary items'' 
to align with Federal Accounting Standards Board (FASB) Subtopic 255-
30; and
     Modifying instructions to clarify reporting of ``Credit 
Loss Portion'' and ``Non-Credit Loss Portion'' information for 
Available for Sale/Held to Maturity (AFS/HTM) worksheets in the summary 
schedule.

OCC Supplemental Schedule

    In 2017, the OCC introduced a supplemental schedule that collects 
additional information not included in the FR Y-14A. The proposed 
revisions include modifications to the OCC supplemental schedule. These 
modifications to the supplemental schedule consist of clarifying 
instructions as well as adding, deleting, and modifying existing data 
items. The total number of items in the supplemental schedule would be 
reduced by approximately half, reflecting the OCC's commitment to 
reducing the reporting burden. In particular, the proposed revisions 
would delete existing data items on Allowance for Loan and Lease Loss 
data and Provisions data. The OCC periodically reviews its data 
collection to identify necessary fields that no longer support the 
OCC's supervisory objectives, and the allowance and provision fields 
were identified for elimination as part of this review. The proposed 
revisions would also eliminate the materiality thresholds for the 
reporting of certain items. Only national banks that are subsidiaries 
of large, complex firms, as defined by the Board, are required to 
complete the supplemental schedule, and the OCC believes that it is 
appropriate and manageable for these larger national banks to report 
these items.

Federal Savings Associations

    Beginning in 2017, the Board and the OCC allowed institutions that 
were subsidiaries of large, non-complex holding companies, as defined 
by the Board, to comply with simplified reporting requirements and not 
complete certain sub-schedules of the FR Y-14A and DFAST-14A reporting 
forms. The proposed revisions would allow federal savings associations 
that qualify as over $50 billion covered institutions to comply with 
these simplified reporting requirements.
    Savings and loan holding companies are not currently required to 
submit the Board's FR Y-14A reporting forms. Similarly, the Board's 
capital plan rule includes a definition for ``large and noncomplex bank 
holding compan[ies]'' but does not include a parallel definition for 
savings and loan holding companies. Accordingly, savings and loan 
holding companies and federal savings associations that have the same 
characteristics as other large and noncomplex firms would not 
technically qualify for the simplified reporting requirements. The 
proposed revisions would modify the DFAST-14A reporting forms and 
instructions to provide that all federal savings associations may 
comply with these simplified reporting requirements. This change would 
promote parity between national banks and federal savings associations 
that have similar size profiles and economic characteristics.
    Type of Review: Revision.
    Affected Public: Businesses or other for-profit.
    Estimated Number of Respondents: 23.
    Estimated Total Annual Burden: 16,466 hours.
    The OCC believes that the systems covered institutions use to 
prepare the FR Y-14 reporting templates to submit to the Board will 
also be used to prepare the reporting templates described in this 
notice. Comments submitted in response to this notice will be 
summarized and included in the request for OMB approval. All comments 
will become a matter of public record. Comments are invited on:
    (a) Whether the collection of information is necessary for the 
proper performance of the functions of the OCC, including whether the 
information has practical utility;
    (b) The accuracy of the OCC's estimate of the burden of the 
collection of information;
    (c) Ways to enhance the quality, utility, and clarity of the 
information to be collected;
    (d) Ways to minimize the burden of the collection on respondents, 
including through the use of automated collection techniques or other 
forms of information technology; and
    (e) Estimates of capital or start-up costs and costs of operation, 
maintenance, and purchase of services to provide information.

    Dated: November 2, 2017.
Karen Solomon,
Deputy Chief Counsel, Office of the Comptroller of the Currency.
[FR Doc. 2017-24309 Filed 11-7-17; 8:45 am]
 BILLING CODE P

51936 Federal Register / Vol. 82, No. 215 / Wednesday, November 8, 2017 / Notices To be completed by banks with $100 billion or more in total assets. Schedule Item Item name MDRM No. RC–S .............. 3 ..................... Reporting bank’s unused commitments to provide liquidity to structures re- RCFDB726, RCFDB727, ported in item 1 (Columns A through G). RCFDB728, RCFDB729, RCFDB730, RCFDB731, RCFDB732. Dated: November 2, 2017. Reporting Template and Documentation revision to an approved information Karen Solomon, for Covered Institutions with Total collection: Deputy Chief Counsel, Office of the Consolidated Assets of $50 Billion or Title: Company-Run Annual Stress Comptroller of the Currency. More under the Dodd-Frank Wall Street Test Reporting Template and Board of Governors of the Federal Reserve Reform and Consumer Protection Act.’’ Documentation for Covered Institutions System, October 31, 2017. DATES: Comments must be received by with Total Consolidated Assets of $50 Ann E. Misback, January 8, 2018. Billion or More under the Dodd-Frank Wall Street Reform and Consumer Secretary of the Board. ADDRESSES: Because paper mail in the Protection Act. Dated at Washington, DC, this 31st day of Washington, DC area and at the OCC is OMB Control No.: 1557–0319. October, 2017. subject to delay, commenters are Description: Section 165(i)(2) of the Federal Deposit Insurance Corporation. encouraged to submit comments by Dodd-Frank Wall Street Reform and Robert E. Feldman, email, if possible. Comments may be Consumer Protection Act 1 (Dodd-Frank Executive Secretary. sent to: Legislative and Regulatory Act) requires certain financial Activities Division, Office of the companies, including national banks [FR Doc. 2017–24310 Filed 11–7–17; 8:45 am] Comptroller of the Currency, Attention: and federal savings associations, to BILLING CODE 4810–33–6710–07;6714–01–P 1557–0319, 400 7th Street SW., Suite conduct annual stress tests 2 and 3E–218, Washington, DC 20219. In requires the primary financial regulatory addition, comments may be sent by fax agency 3 of those financial companies to DEPARTMENT OF THE TREASURY to (571) 465–4326 or by electronic mail issue regulations implementing the to prainfo@occ.treas.gov. You may stress test requirements.4 A national Office of the Comptroller of the personally inspect and photocopy bank or federal savings association is a Currency comments at the OCC, 400 7 Street SW., ‘‘covered institution’’ and therefore Agency Information Collection Washington, DC 20219. For security subject to the stress test requirements if Activities: Revision of an Approved reasons, the OCC requires that visitors its total consolidated assets are more Information Collection; Comment make an appointment to inspect than $10 billion. Under section Request; Company-Run Annual Stress comments. You may do so by calling 165(i)(2), a covered institution is Test Reporting Template and (202) 649–6700 or, for persons who are required to submit to the Board of Documentation for Covered deaf or hearing impaired, TTY, (202) Governors of the Federal Reserve Institutions With Total Consolidated 649–5597. Upon arrival, visitors will be System (Board) and to its primary Assets of $50 Billion or More Under the required to present valid government- financial regulatory agency a report at Dodd-Frank Wall Street Reform and issued photo identification and submit such time, in such form, and containing Consumer Protection Act to security screening in order to inspect such information as the primary and photocopy comments. financial regulatory agency may AGENCY: Office of the Comptroller of the All comments received, including require.5 On October 9, 2012, the OCC Currency, Treasury (OCC). attachments and other supporting published in the Federal Register a final ACTION: Notice and request for materials, are part of the public record rule implementing the section 165(i)(2) comment. and subject to public disclosure. Do not annual stress test requirement.6 This include any information in your rule describes the reports and SUMMARY: The OCC, as part of its comment or supporting materials that continuing effort to reduce paperwork information collections required to meet you consider confidential or the reporting requirements under and respondent burden, invites the inappropriate for public disclosure. general public and other federal section 165(i)(2). These information agencies to take this opportunity to FOR FURTHER INFORMATION CONTACT: collections will be given confidential comment on a continuing information Shaquita Merritt, OCC Clearance treatment (5 U.S.C. 552(b)(4)) to the collection, as required by the Paperwork Officer, (202) 649–5490 or, for persons extent permitted by law. Reduction Act of 1995 (PRA). who are deaf or hearing impaired, TTY, In 2012, the OCC first implemented In accordance with the requirements (202) 649–5597, Legislative and the reporting templates referenced in of the PRA, the OCC may not conduct Regulatory Activities Division, Office of the final rule. See 77 FR 49485 (August or sponsor, and the respondent is not the Comptroller of the Currency, 400 7 16, 2012) and 77 FR 66663 (November required to respond to, an information St. SW., Washington, DC 20219. In 6, 2012). The OCC is now revising the collection unless it displays a currently addition, copies of the templates reporting templates as described below. ethrower on DSK3G9T082PROD with NOTICES valid Office of Management and Budget referenced in this notice can be found (OMB) control number. on the OCC’s Web site under News and 1 Pub. L. 111–203, 124 Stat. 1376, July 2010. 2 12 U.S.C. 5365(i)(2)(A). The OCC is soliciting comment Issuances (http://www.occ.treas.gov/ 3 12 U.S.C. 5301(12). concerning a revision to a regulatory tools-forms/forms/bank-operations/ 4 12 U.S.C. 5365(i)(2)(C). reporting requirement for national banks stress-test-reporting.html). 5 12 U.S.C. 5365(i)(2)(B). and federal savings associations titled, SUPPLEMENTARY INFORMATION: The OCC 6 77 FR 61238 (October 9, 2012) (codified at 12 ‘‘Company-Run Annual Stress Test is requesting comment on the following CFR part 46). VerDate Sep<11>2014 17:26 Nov 07, 2017 Jkt 244001 PO 00000 Frm 00136 Fmt 4703 Sfmt 4703 E:\FR\FM\08NON1.SGM 08NON1

Federal Register / Vol. 82, No. 215 / Wednesday, November 8, 2017 / Notices 51937 The OCC intends to use the data for firms subject to the Global Market Similarly, the Board’s capital plan rule collected to assess the reasonableness of Shock; includes a definition for ‘‘large and the stress test results of covered • Eliminating references to the term noncomplex bank holding compan[ies]’’ institutions and to provide forward- ‘‘extraordinary items’’ to align with but does not include a parallel looking information to the OCC Federal Accounting Standards Board definition for savings and loan holding regarding a covered institution’s capital (FASB) Subtopic 255–30; and companies. Accordingly, savings and adequacy. The OCC also may use the • Modifying instructions to clarify loan holding companies and federal results of the stress tests to determine reporting of ‘‘Credit Loss Portion’’ and savings associations that have the same whether additional analytical ‘‘Non-Credit Loss Portion’’ information characteristics as other large and techniques and exercises could be for Available for Sale/Held to Maturity noncomplex firms would not appropriate to identify, measure, and (AFS/HTM) worksheets in the summary technically qualify for the simplified monitor risks at the covered institution. schedule. reporting requirements. The proposed The stress test results are expected to OCC Supplemental Schedule revisions would modify the DFAST– support ongoing improvement in a 14A reporting forms and instructions to covered institution’s stress testing In 2017, the OCC introduced a provide that all federal savings practices with respect to its internal supplemental schedule that collects associations may comply with these assessments of capital adequacy and additional information not included in simplified reporting requirements. This overall capital planning. the FR Y–14A. The proposed revisions change would promote parity between The OCC recognizes that many include modifications to the OCC national banks and federal savings covered institutions with total supplemental schedule. These associations that have similar size consolidated assets of $50 billion or modifications to the supplemental profiles and economic characteristics. more are required to submit reports schedule consist of clarifying Type of Review: Revision. using Comprehensive Capital Analysis instructions as well as adding, deleting, Affected Public: Businesses or other and Review (CCAR) reporting form FR and modifying existing data items. The for-profit. Y–14A.7 The OCC also recognizes the total number of items in the supplemental schedule would be Estimated Number of Respondents: Board has proposed to modify the FR Y– 23. 14A and, to the extent practical, the reduced by approximately half, reflecting the OCC’s commitment to Estimated Total Annual Burden: OCC will keep its reporting 16,466 hours. requirements consistent with the reducing the reporting burden. In particular, the proposed revisions The OCC believes that the systems Board’s FR Y–14A in order to minimize would delete existing data items on covered institutions use to prepare the burden on covered institutions.8 Allowance for Loan and Lease Loss data FR Y–14 reporting templates to submit Therefore, the OCC is proposing to and Provisions data. The OCC to the Board will also be used to prepare revise its reporting requirements to periodically reviews its data collection the reporting templates described in this mirror the Board’s proposed FR Y–14A to identify necessary fields that no notice. Comments submitted in for covered institutions with total longer support the OCC’s supervisory response to this notice will be consolidated assets of $50 billion or objectives, and the allowance and summarized and included in the request more. In addition to the changes that provision fields were identified for for OMB approval. All comments will parallel the Board’s proposed changes to elimination as part of this review. The become a matter of public record. the FR Y–14A, the OCC is also proposed revisions would also eliminate Comments are invited on: proposing two other changes. First, the proposal would modify the OCC the materiality thresholds for the (a) Whether the collection of supplemental schedule. Second, the reporting of certain items. Only national information is necessary for the proper proposal would allow federal savings banks that are subsidiaries of large, performance of the functions of the associations to comply with the complex firms, as defined by the Board, OCC, including whether the information reporting requirements applicable to are required to complete the has practical utility; subsidiaries of large, noncomplex supplemental schedule, and the OCC (b) The accuracy of the OCC’s holding companies, as defined by the believes that it is appropriate and estimate of the burden of the collection Board. These proposed changes are manageable for these larger national of information; described in more detail below. banks to report these items. (c) Ways to enhance the quality, utility, and clarity of the information to Proposed Revisions to Reporting Federal Savings Associations be collected; Templates That Mirror Changes Beginning in 2017, the Board and the (d) Ways to minimize the burden of Proposed by the Board OCC allowed institutions that were the collection on respondents, including The proposed revisions to the subsidiaries of large, non-complex through the use of automated collection DFAST–14A reporting templates consist holding companies, as defined by the techniques or other forms of information of the following: Board, to comply with simplified technology; and • Eliminating two schedules, the reporting requirements and not (e) Estimates of capital or start-up Regulatory Capital Transitions Schedule complete certain sub-schedules of the costs and costs of operation, and Retail Repurchase Exposures FR Y–14A and DFAST–14A reporting maintenance, and purchase of services Schedule; forms. The proposed revisions would to provide information. • Adding one item to the allow federal savings associations that qualify as over $50 billion covered Dated: November 2, 2017. counterparty worksheet of the summary ethrower on DSK3G9T082PROD with NOTICES schedule to collect information of institutions to comply with these Karen Solomon, Funding Valuation Adjustments (FVAs) simplified reporting requirements. Deputy Chief Counsel, Office of the Savings and loan holding companies Comptroller of the Currency. 7 http://www.federalreserve.gov/reportforms. are not currently required to submit the [FR Doc. 2017–24309 Filed 11–7–17; 8:45 am] 8 82 FR 26793 (June 6, 2017). Board’s FR Y–14A reporting forms. BILLING CODE P VerDate Sep<11>2014 17:26 Nov 07, 2017 Jkt 244001 PO 00000 Frm 00137 Fmt 4703 Sfmt 9990 E:\FR\FM\08NON1.SGM 08NON1


Document Created: 2017-11-08 01:20:57
Document Modified: 2017-11-08 01:20:57
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
ActionNotice and request for comment.
DatesComments must be received by January 8, 2018.
ContactShaquita Merritt, OCC Clearance Officer, (202) 649-5490 or, for persons who are deaf or hearing impaired, TTY, (202) 649-5597, Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, 400 7 St. SW., Washington, DC 20219. In addition, copies of the templates referenced in this notice can be found on the OCC's Web site under News and Issuances (http://www.occ.treas.gov/tools-forms/forms/bank-operations/ stress-test-reporting.html).
FR Citation82 FR 51936 
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