82 FR 5539 - Fisheries of the Exclusive Economic Zone Off Alaska; Application for an Exempted Fishing Permit
DEPARTMENT OF COMMERCE
National Oceanic and Atmospheric Administration Federal Register Volume 82, Issue 11 (January 18, 2017)
National Oceanic and Atmospheric Administration
Federal Register Volume 82, Issue 11 (January 18, 2017)
| Page Range | 5539-5541 | |
| FR Document | 2017-01063 |
[Federal Register Volume 82, Number 11 (Wednesday, January 18, 2017)] [Notices] [Pages 5539-5541] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2017-01063] ----------------------------------------------------------------------- DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration RIN 0648-XF160 Fisheries of the Exclusive Economic Zone Off Alaska; Application for an Exempted Fishing Permit AGENCY: National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice; receipt of application to renew an exempted fishing permit. ----------------------------------------------------------------------- SUMMARY: This notice announces receipt of an application from the Alaska Seafood Cooperative and co-applicants to renew exempted fishing permit (EFP) 2016-01 as modified on January 10, 2017. NMFS announced receipt of the application for EFP 2016-01 on January 25, 2016. NMFS issued EFP 2016-01 on May 6, 2016, and modified the EFP on January 10, 2017. If granted, this renewal would extend the expiration date of modified EFP 2016-01 from April 30, 2017, to December 31, 2017. The objective of EFP 2016-01 is to allow the applicants to remove halibut from a trawl codend on the deck, and release those halibut back to the water in a timely manner to increase survivability. Under the EFP, halibut are sampled by NMFS-trained observers for length and physical condition using standard International Pacific Halibut Commission halibut mortality assessment methods. The objectives of EFP 2016-01 are to (1) test methods for sorting halibut on deck for suitability as an allowable fish handling mode for the non-pollock catcher/processor trawl fisheries (Amendment 80, community development quota, and trawl limited access) in the Bering Sea and Aleutian Islands under an eventual regulated program; and (2) simplify and improve on elements that worked under a 2015 deck sorting EFP project. This experiment has the potential to promote the objectives of the Magnuson-Stevens Fishery Conservation and Management Act and the Northern Pacific Halibut Act of 1982. DATES: Comments on this EFP application must be submitted to NMFS on or before February 7, 2017. The North Pacific Fishery Management Council (Council) will consider the application at its meeting from January 30 through February 6, 2017, in Seattle, WA. ADDRESSES: The Council meeting will be held at the Renaissance Seattle Hotel, 515 Madison Street, Seattle, WA 98104. The agenda for the Council meeting is available at http://www.npfmc.org. You may submit comments on this document, identified by NOAA-NMFS-2017-0006, by any of the following methods:Electronic Submission: Submit all electronic public comments via the Federal e-Rulemaking Portal. Go to www.regulations.gov/#!docketDetail;D=NOAA-NMFS-2017-0006, click the ``Comment Now!'' icon, complete the required fields, and enter or attach your comments. Mail: Submit written comments to Glenn Merrill, Assistant Regional Administrator, Sustainable Fisheries Division, Alaska Region NMFS, Attn: Ellen Sebastian. Mail comments to P.O. Box 21668, Juneau, AK 99802-1668. Instructions: Comments sent by any other method, to any other address or individual, or received after the end of the comment period, may not be considered. All comments received are a part of the public record and will generally be posted for public viewing on www.regulations.gov without change. All personal identifying information (e.g., name, address) submitted voluntarily by the sender will be publicly accessible. NMFS will accept anonymous comments (enter ``N/A'' in the required fields if you wish to remain anonymous). Electronic copies of the EFP application, modified EFP 2016-01, and the basis for a categorical exclusion under the National Environmental Policy Act are available from the Alaska Region, NMFS Web site at http://alaskafisheries.noaa.gov/. FOR FURTHER INFORMATION CONTACT: Brandee Gerke, 907-586-7228. SUPPLEMENTARY INFORMATION: NMFS manages the domestic groundfish fisheries in the Bering Sea and Aleutian Islands management area (BSAI) under the Fishery Management Plan for Groundfish of the Bering Sea and Aleutian Islands Management Area (FMP), which the Council prepared under the Magnuson-Stevens Fishery Conservation and Management Act. Regulations governing the BSAI groundfish fisheries appear at 50 CFR parts 600 and 679. The FMP and the implementing regulations at Sec. 600.745(b) and Sec. 679.6 allow the NMFS Regional Administrator to authorize, for limited experimental purposes, fishing that would otherwise be prohibited. Procedures for issuing EFPs are contained in the implementing regulations. The International Pacific Halibut Commission (IPHC) and NMFS manage fishing for Pacific halibut (Hippoglossus stenolepis) through regulations established under the authority of the Convention between the United States and Canada for the Preservation of the Halibut Fishery of the Northern Pacific Ocean and Bering Sea (Convention) and the Northern Pacific Halibut Act of 1982. The IPHC promulgates regulations pursuant to the Convention. The IPHC's regulations are subject to approval by the Secretary of State with concurrence from the Secretary of Commerce (Secretary). Background Regulations implemented by the IPHC allow Pacific halibut to be commercially harvested by the directed North Pacific longline fishery. Halibut is a prohibited species in the groundfish fishery, requiring immediate return to the sea with a minimum of injury. Halibut caught incidentally by catcher/processors in the nonpelagic trawl groundfish fisheries must be weighed on a NMFS-approved scale, sampled by observers, and returned to the ocean as soon as possible. The Council establishes annual maximum halibut bycatch allowances and seasonal apportionments adjusted by an estimated halibut discard mortality rate (DMR) for groundfish fisheries. The DMRs are based on the best information available, including information contained in the annual Stock Assessment and Fishery Evaluation report, available at http://www.alaskafisheries.noaa.gov/. NMFS approves the halibut DMRs developed and recommended by the IPHC and the Council for the BSAI groundfish fisheries for use in monitoring the halibut bycatch allowances and seasonal apportionments. Directed fishing in a groundfish fishery closes when the halibut mortality apportionment for the fishery is reached, even if the target species catch is less than the seasonal or annual quota for the directed fishery. In the case of the Bering Sea flatfish fishery, seasons have been closed before fishery quotas have been reached to prevent the fishery from exceeding the halibut mortality apportionment. With the implementation of Amendment 80 to the FMP on September 14, 2007 (72 FR 52668), halibut mortality apportionments were established for the Amendment 80 [[Page 5540]] sector and for Amendment 80 cooperatives. Amendment 80 is a catch share program that allocates several BSAI non-pollock trawl groundfish fisheries (including the flatfish fishery) among fishing sectors, and facilitates the formation of harvesting cooperatives in the non- American Fisheries Act trawl catcher/processor sector. Though halibut mortality apportionments provide Amendment 80 cooperatives more flexibility to use available mortality, halibut mortality continues to constrain fishing in some Amendment 80 fisheries. Therefore, this sector is actively exploring ways to continue to reduce halibut mortality. Before incidentally caught halibut are returned to the sea, at-sea observers must estimate halibut and groundfish catch amounts. Regulations in 50 CFR part 679 assure that observer estimates of halibut and groundfish catch are credible and accurate, and that potential bias is minimized. For example, NMFS requires that all catch be made available for sampling by an observer; prohibits tampering with observer samples; prohibits removal of halibut from a codend, bin, or conveyance system prior to being observed and counted by an at-sea observer; and prohibits fish (including halibut) from remaining on deck unless an observer is present. In 2009 and 2012, halibut mortality experiments were conducted by members of the Amendment 80 sector under EFP 09-02 (74 FR 12113, March 23, 2009) and EFP 12-01 (76 FR 70972, November 16, 2011). By regulation, all catch including halibut is moved across a flow scale below deck before the halibut is returned to the sea. Halibut mortality increases with increased handling and time out of water. Under the 2009 and 2012 EFPs, experimental methods for sorting catch on a vessel's deck allowed halibut to be returned to the sea in less time, with less handling relative to halibut routed below deck and over the flow scale. The halibut mortality during flatfish fishing under the 2009 and 2012 EFPs was estimated to be approximately 17 metric tons (mt) and 10.8 mt, respectively, less than the amounts estimated from the DMR for this fishery. The reduced halibut mortality under the 2009 and 2012 EFPs is attributed to the improved condition of halibut through reduced handling and time out of water. In 2015, test fishing under EFP 2015-02 (80 FR 3222, January 22, 2015) expanded on results of the 2009 and 2012 EFPs to explore the feasibility of deck sorting halibut in additional fisheries, on more vessels, and during a longer interval of time during the fishing season. The primary objective was to reduce halibut mortality in the Amendment 80 groundfish fisheries in 2015. Fishing under the EFP began in May and continued through November. The most prominent result from the 2015 EFP was that substantial halibut mortality savings were achieved from deck sorting on catcher/processors operating in Bering Sea non-pelagic trawl fisheries. The 2015 EFP is estimated to have saved 175 mt of halibut. For the nine vessels that participated in the 2015 EFP, all but one achieved mortality rates in the range of 41 percent to 53 percent, compared to the standard mortality rate of 80 percent in the Bering Sea flatfish fisheries without deck sorting (average across target fisheries of interest for the 2015 EFP). Test fishing under EFP 2016-01 from May through November 2016 resulted in more participating vessels over more fisheries and yielded greater halibut savings relative to prior years. Twelve boats participated in test fishing under EFP 2016-01. In prior deck sorting EFPs, test fishing primarily occurred in the flathead sole and arrowtooth flounder fisheries. In 2016, test fishing expanded to fisheries for yellowfin sole, Pacific cod, Pacific ocean perch, and Atka mackerel to a much larger extent than in prior years. Based on preliminary results, EFP 2016-01 is estimated to have saved 288 mt of halibut in 2016. Though modified EFP 2016-01 is valid through April 30, 2017, no halibut savings data from 2017 are available to report at this time. Through the course of EFP fishing in 2016, NMFS and the EFP participants identified modifications to EFP 2016-01 that would improve the effectiveness of the EFP and reduce the burden on industry to participate in the EFP. For example, EFP 2016-01 required participating vessels to carry three observers to collect data during EFP fishing. Through the course of the year, it became apparent that two observers could sufficiently collect the requisite data for EFP hauls. As a result, NMFS subsequently modified EFP 2016-01 to make it optional for participating vessels to carry more than two observers on EFP trips. Under modified EFP 2016-01 (see ADDRESSES) vessel operators may opt to carry more than two observers to maintain the pace at which fish are run through the factory while halibut are being sorted and sampled by an observer on deck or they may carry two observers with the condition that fish may not be run into the factory while the observer is on deck sampling the sorted halibut. Additional modifications to EFP 2016-01 included (a) changes in observer sampling methods designed to increase consistency of observer sampling for the EFP with other, routine observer sampling in the fisheries; (b) changes to the persons named on the EFP as designated representatives; and (c) the addition of new vessels to the EFP. Proposed Action On January 10, 2017, the Alaska Seafood Cooperative (AKSC), an Amendment 80 cooperative, submitted an application to renew modified EFP 2016-01 through the end of 2017 to continue to build on the information collected in prior deck sorting EFPs and further reduce halibut mortality in the Amendment 80, community development quota (CDQ), and trawl limited access sectors. The proposed action would extend the effective date of modified EFP 2016-01 (see ADDRESSES) from April 30, 2017 to December 31, 2017. No other changes to modified EFP 2016-01 are proposed. The renewed EFP would allow halibut to continue to be sorted, sampled, and released prior to being weighed on a flow scale, to achieve the experimental objectives of modified EFP 2016-01 and reduce halibut mortality. Halibut prohibited species catch (PSC) mortality for vessels engaged in experimental fishing would not exceed the 2017 halibut PSC mortality apportionments set out in Table 14 of the Final 2016 and 2017 Harvest Specifications (available at https://alaskafisheries.noaa.gov/sites/default/files/16_17bsaitable14.pdf). Participants request no additional groundfish or halibut quota as part of this EFP renewal application, and all groundfish catch will accrue against the appropriate Amendment 80, CDQ, or trawl limited access sector catch and PSC allowances. Under the EFP, participants would be limited to their groundfish allocations under the 2017 harvest specifications (81 FR 14773, March 18, 2016). The amount of halibut mortality applied to the EFP activities would be subject to review and approval by NMFS. In 2018, the AKSC would be required to submit to NMFS a report of the EFP results after EFP experimental fishing has ended in 2017. The report would include a comparison of halibut mortality from halibut sampled during the EFP and an estimate of halibut mortality under standard IPHC halibut mortality rates for those target fisheries. Additionally, the report should compare the estimated amount of halibut sampled by observers in the factory with the census of halibut collected in the factory by vessel crew to evaluate the precision and associated variance of sampled-based extrapolations and to [[Page 5541]] inform a decision of the best way to account for factory halibut in a regulated program. This EFP would be valid upon renewal until either the end of 2017 or when the annual halibut mortality apportionment is reached in areas of the BSAI open to directed fishing by the various sectors, whichever occurs first. EFP-authorized fishing activities would not be expected to change the nature or duration of the groundfish fishery, gear used, or the amount or species of fish caught by the participants. The fieldwork that would be conducted under this EFP is not expected to have a significant impact on the human environment as detailed in the categorical exclusion prepared for this action (see ADDRESSES). In accordance with Sec. 679.6, NMFS has determined that the renewal application warrants further consideration and has forwarded the application to the Council to initiate consultation. The Council is scheduled to consider the EFP renewal application during its February 2017 meeting, which will be held at the Renaissance Seattle Hotel, Seattle WA. The applicant has been invited to appear in support of the renewal application. Public Comments Interested persons may comment on the application at the February 2017 Council meeting during public testimony or until February 7, 2017. Information regarding the meeting is available at the Council's Web site at http://www.npfmc.org. Copies of the renewal application and categorical exclusion are available for review from NMFS (see ADDRESSES). Comments also may be submitted directly to NMFS (see ADDRESSES) by the end of the comment period (see DATES). Authority: 16 U.S.C. 1801 et seq. Dated: January 12, 2017. Samuel D. Rauch III, Deputy Assistant Administrator for Regulatory Programs, National Marine Fisheries Service. [FR Doc. 2017-01063 Filed 1-17-17; 8:45 am] BILLING CODE 3510-22-P
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Dated: January 11, 2017. North Pacific Fishery Management authorize, for limited experimental
Julia Harrison, Council (Council) will consider the purposes, fishing that would otherwise
Chief, Permits and Conservation Division, application at its meeting from January be prohibited. Procedures for issuing
Office of Protected Resources, National 30 through February 6, 2017, in Seattle, EFPs are contained in the implementing
Marine Fisheries Service. WA. regulations.
[FR Doc. 2017–00952 Filed 1–17–17; 8:45 am] ADDRESSES: The Council meeting will be The International Pacific Halibut
BILLING CODE 3510–22–P held at the Renaissance Seattle Hotel, Commission (IPHC) and NMFS manage
515 Madison Street, Seattle, WA 98104. fishing for Pacific halibut (Hippoglossus
The agenda for the Council meeting is stenolepis) through regulations
DEPARTMENT OF COMMERCE available at http://www.npfmc.org. You established under the authority of the
may submit comments on this Convention between the United States
National Oceanic and Atmospheric and Canada for the Preservation of the
document, identified by NOAA-NMFS-
Administration Halibut Fishery of the Northern Pacific
2017-0006, by any of the following
RIN 0648–XF160 methods: Ocean and Bering Sea (Convention) and
• Electronic Submission: Submit all the Northern Pacific Halibut Act of
Fisheries of the Exclusive Economic electronic public comments via the 1982. The IPHC promulgates regulations
Zone Off Alaska; Application for an Federal e-Rulemaking Portal. Go to pursuant to the Convention. The IPHC’s
Exempted Fishing Permit www.regulations.gov/#!docketDetail;D= regulations are subject to approval by
NOAA-NMFS-2017-0006, click the the Secretary of State with concurrence
AGENCY: National Marine Fisheries from the Secretary of Commerce
Service (NMFS), National Oceanic and ‘‘Comment Now!’’ icon, complete the
required fields, and enter or attach your (Secretary).
Atmospheric Administration (NOAA),
Commerce. comments. Background
ACTION: Notice; receipt of application to
• Mail: Submit written comments to
Regulations implemented by the IPHC
renew an exempted fishing permit. Glenn Merrill, Assistant Regional
allow Pacific halibut to be commercially
Administrator, Sustainable Fisheries
harvested by the directed North Pacific
SUMMARY: This notice announces receipt Division, Alaska Region NMFS, Attn:
longline fishery. Halibut is a prohibited
of an application from the Alaska Ellen Sebastian. Mail comments to P.O.
species in the groundfish fishery,
Seafood Cooperative and co-applicants Box 21668, Juneau, AK 99802–1668.
requiring immediate return to the sea
to renew exempted fishing permit (EFP) Instructions: Comments sent by any
with a minimum of injury. Halibut
2016–01 as modified on January 10, other method, to any other address or
caught incidentally by catcher/
2017. NMFS announced receipt of the individual, or received after the end of
processors in the nonpelagic trawl
application for EFP 2016–01 on January the comment period, may not be
groundfish fisheries must be weighed on
25, 2016. NMFS issued EFP 2016–01 on considered. All comments received are
a NMFS-approved scale, sampled by
May 6, 2016, and modified the EFP on a part of the public record and will
observers, and returned to the ocean as
January 10, 2017. If granted, this generally be posted for public viewing
soon as possible. The Council
renewal would extend the expiration on www.regulations.gov without change. establishes annual maximum halibut
date of modified EFP 2016–01 from All personal identifying information bycatch allowances and seasonal
April 30, 2017, to December 31, 2017. (e.g., name, address) submitted apportionments adjusted by an
The objective of EFP 2016–01 is to allow voluntarily by the sender will be estimated halibut discard mortality rate
the applicants to remove halibut from a publicly accessible. NMFS will accept (DMR) for groundfish fisheries. The
trawl codend on the deck, and release anonymous comments (enter ‘‘N/A’’ in DMRs are based on the best information
those halibut back to the water in a the required fields if you wish to remain available, including information
timely manner to increase survivability. anonymous). contained in the annual Stock
Under the EFP, halibut are sampled by Electronic copies of the EFP
Assessment and Fishery Evaluation
NMFS-trained observers for length and application, modified EFP 2016–01, and
report, available at http://
physical condition using standard the basis for a categorical exclusion
www.alaskafisheries.noaa.gov/. NMFS
International Pacific Halibut under the National Environmental
approves the halibut DMRs developed
Commission halibut mortality Policy Act are available from the Alaska
and recommended by the IPHC and the
assessment methods. The objectives of Region, NMFS Web site at http://alaska
Council for the BSAI groundfish
EFP 2016–01 are to (1) test methods for fisheries.noaa.gov/.
fisheries for use in monitoring the
sorting halibut on deck for suitability as FOR FURTHER INFORMATION CONTACT: halibut bycatch allowances and seasonal
an allowable fish handling mode for the Brandee Gerke, 907–586–7228. apportionments.
non-pollock catcher/processor trawl SUPPLEMENTARY INFORMATION: NMFS Directed fishing in a groundfish
fisheries (Amendment 80, community manages the domestic groundfish fishery closes when the halibut
development quota, and trawl limited fisheries in the Bering Sea and Aleutian mortality apportionment for the fishery
access) in the Bering Sea and Aleutian Islands management area (BSAI) under is reached, even if the target species
Islands under an eventual regulated the Fishery Management Plan for catch is less than the seasonal or annual
program; and (2) simplify and improve Groundfish of the Bering Sea and quota for the directed fishery. In the
on elements that worked under a 2015 Aleutian Islands Management Area case of the Bering Sea flatfish fishery,
deck sorting EFP project. This (FMP), which the Council prepared seasons have been closed before fishery
experiment has the potential to promote under the Magnuson-Stevens Fishery quotas have been reached to prevent the
mstockstill on DSK3G9T082PROD with NOTICES
the objectives of the Magnuson-Stevens Conservation and Management Act. fishery from exceeding the halibut
Fishery Conservation and Management Regulations governing the BSAI mortality apportionment.
Act and the Northern Pacific Halibut groundfish fisheries appear at 50 CFR With the implementation of
Act of 1982. parts 600 and 679. The FMP and the Amendment 80 to the FMP on
DATES: Comments on this EFP implementing regulations at September 14, 2007 (72 FR 52668),
application must be submitted to NMFS § 600.745(b) and § 679.6 allow the halibut mortality apportionments were
on or before February 7, 2017. The NMFS Regional Administrator to established for the Amendment 80
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![Federal Register / Vol. 82, No. 11 / Wednesday, January 18, 2017 / Notices 5541
inform a decision of the best way to SUMMARY: The Bureau recognizes that service providers, from their
account for factory halibut in a many supervised entities may choose to compensation levels to whether they
regulated program. implement incentive programs to will continue to be employed or
This EFP would be valid upon achieve business objectives. When retained at all. Incentives are found in
renewal until either the end of 2017 or properly implemented and monitored, many markets for consumer financial
when the annual halibut mortality reasonable incentives can benefit products and services, and span the life
apportionment is reached in areas of the consumers and the financial cycle from marketing to sales, servicing,
BSAI open to directed fishing by the marketplace as a whole. and collection. Common examples
various sectors, whichever occurs first. This bulletin compiles guidance that include sales or referrals of new
EFP-authorized fishing activities would has previously been given by the CFPB products or services to existing
not be expected to change the nature or in other contexts and highlights consumers (‘‘cross-selling’’), sales of
duration of the groundfish fishery, gear examples from the CFPB’s supervisory products or services to new customers,
used, or the amount or species of fish and enforcement experience in which sales at higher prices where pricing
caught by the participants. incentives contributed to substantial discretion exists, quotas for customer
The fieldwork that would be consumer harm. It also describes calls completed, and collections
conducted under this EFP is not compliance management steps benchmarks.
expected to have a significant impact on supervised entities should take to This Bulletin compiles guidance the
the human environment as detailed in mitigate risks posed by incentives. CFPB has already given in other
the categorical exclusion prepared for DATES: The Bureau released this contexts and highlights examples from
this action (see ADDRESSES). Compliance Bulletin on its Web site on the CFPB’s supervisory and enforcement
In accordance with § 679.6, NMFS has November 28, 2016 experience in which incentives
determined that the renewal application FOR FURTHER INFORMATION CONTACT: contributed to substantial consumer
warrants further consideration and has Vanessa Careiro, Attorney-Advisor, harm. It also describes compliance
forwarded the application to the Office of Supervision Policy, 1700 G management steps that supervised
Council to initiate consultation. The Street NW., 20552, (202) 435–9394. entities should take to mitigate risks
Council is scheduled to consider the SUPPLEMENTARY INFORMATION:
posed by incentives.
EFP renewal application during its
1. Compliance Bulletin A. Risks to Consumers From Incentives
February 2017 meeting, which will be
held at the Renaissance Seattle Hotel, Financial services companies, Despite their potential benefits,
Seattle WA. The applicant has been including entities supervised by the incentive programs can pose risks to
invited to appear in support of the Consumer Financial Protection Bureau consumers, especially when they create
renewal application. (CFPB or Bureau), may accomplish an unrealistic culture of high-pressure
business objectives through programs targets. When such programs are not
Public Comments carefully and properly implemented and
that tie outcomes to certain benchmarks,
Interested persons may comment on both required and optional. Companies monitored, they may create incentives
the application at the February 2017 may apply these production incentives, for employees or service providers to
Council meeting during public including sales and other incentives, pursue overly aggressive marketing,
testimony or until February 7, 2017. (‘‘incentives’’) to employees or service sales, servicing, or collections tactics.
Information regarding the meeting is providers or both. The risks these Through its supervisory and
available at the Council’s Web site at incentives may pose to consumers are enforcement programs, the CFPB has
http://www.npfmc.org. Copies of the significant and both the intended and taken action where employees have
renewal application and categorical unintended effects of incentives can be opened accounts or enrolled consumers
exclusion are available for review from complex, which makes this subject in services without consent or where
NMFS (see ADDRESSES). Comments also worthy of more careful attention by employees or service providers have
may be submitted directly to NMFS (see institutional leadership, compliance misled consumers into purchasing
ADDRESSES) by the end of the comment
officers, and regulators alike. We thus products the consumers did not want,
period (see DATES). will continue to invite further dialogue were unaware would harm them
Authority: 16 U.S.C. 1801 et seq. and discussion around the issues financially, or came with an unexpected
addressed in this Bulletin. ongoing periodic fee.
Dated: January 12, 2017. Depending on the facts and
Samuel D. Rauch III, The Bureau acknowledges that
incentives have been common across circumstances, such incentives may
Deputy Assistant Administrator for lead to outright violations of Federal
Regulatory Programs, National Marine many economic sectors, including the
market for consumer financial products consumer financial law 1 and other risks
Fisheries Service. to the institution, such as public
[FR Doc. 2017–01063 Filed 1–17–17; 8:45 am]
and services. When properly
implemented and monitored, reasonable enforcement, supervisory actions,
BILLING CODE 3510–22–P
incentives can benefit all stakeholders private litigation, reputational harm,
and the financial marketplace as a 1 Selected examples of these violations previously
whole. For instance, companies may be identified by the Bureau include the Dodd-Frank
BUREAU OF CONSUMER FINANCIAL able to attract and retain high- Act’s prohibition of unfair, deceptive, and/or
PROTECTION performing employees to enhance their abusive acts or practices (UDAAPs) (Dodd-Frank
overall competitive performance. Act, §§ 1031 & 1036(a), codified at 12 U.S.C. 5531
mstockstill on DSK3G9T082PROD with NOTICES
Compliance Bulletin 2016–03: Consumers may also benefit if these & 5536(a); the Electronic Fund Transfer Act (EFTA),
Detecting and Preventing Consumer as implemented by Regulation E (15 U.S.C. 1693 et
programs lead to improved customer seq.; 12 CFR part 1005); the Fair Credit Reporting
Harm From Production Incentives service or introduce them to products or Act, as implemented by Regulation V (15 U.S.C.
services that are beneficial to their 1681–1681x; 12 CFR part 1022); the Truth in
AGENCY: Bureau of Consumer Financial Lending Act (TILA), as implemented by Regulation
Protection. financial interests. Z (15 U.S.C. 1601 et seq.; 12 CFR part 1026); and
Such incentives can affect a wide the Fair Debt Collection Practices Act (15 U.S.C
ACTION: Compliance Bulletin.
range of outcomes for employees or 1692–1692p).
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Document Created: 2018-02-01 15:19:01
Document Modified: 2018-02-01 15:19:01
| Category | Regulatory Information | |
| Collection | Federal Register | |
| sudoc Class | AE 2.7: GS 4.107: AE 2.106: | |
| Publisher | Office of the Federal Register, National Archives and Records Administration | |
| Section | Notices | |
| Action | Notice; receipt of application to renew an exempted fishing permit. | |
| Dates | Comments on this EFP application must be submitted to NMFS on or before February 7, 2017. The North Pacific Fishery Management Council (Council) will consider the application at its meeting from January 30 through February 6, 2017, in Seattle, WA. | |
| Contact | Brandee Gerke, 907-586-7228. | |
| FR Citation | 82 FR 5539 | |
| RIN Number | 0648-XF16 |
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