82_FR_56035 82 FR 55810 - Final Redesigned Uniform Residential Loan Application Status Under Regulation B

82 FR 55810 - Final Redesigned Uniform Residential Loan Application Status Under Regulation B

BUREAU OF CONSUMER FINANCIAL PROTECTION

Federal Register Volume 82, Issue 225 (November 24, 2017)

Page Range55810-55829
FR Document2017-25434

The Bureau of Consumer Financial Protection is publishing a notice pursuant to section 706(e) of the Equal Credit Opportunity Act concerning the update of the redesigned Uniform Residential Loan Application to include an applicant language preference question.

Federal Register, Volume 82 Issue 225 (Friday, November 24, 2017)
[Federal Register Volume 82, Number 225 (Friday, November 24, 2017)]
[Notices]
[Pages 55810-55829]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2017-25434]


=======================================================================
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BUREAU OF CONSUMER FINANCIAL PROTECTION


Final Redesigned Uniform Residential Loan Application Status 
Under Regulation B

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Bureau official approval.

-----------------------------------------------------------------------

SUMMARY: The Bureau of Consumer Financial Protection is publishing a 
notice pursuant to section 706(e) of the Equal Credit Opportunity Act 
concerning the update of the redesigned Uniform Residential Loan 
Application to include an applicant language preference question.

DATES: This official approval is issued November 20, 2017.

FOR FURTHER INFORMATION CONTACT: Marta Tanenhaus and James Wylie, 
Senior Counsels, Office of Regulations, Consumer Financial Protection 
Bureau, 1700 G Street NW., Washington, DC 20552, at 202-435-7700.

SUPPLEMENTARY INFORMATION:

I. Background

    The Bureau of Consumer Financial Protection (Bureau) administers 
the Equal Credit Opportunity Act (ECOA), 15 U.S.C. 1691, et seq. and 
its implementing regulation, Regulation B, 12 CFR part 1002. Section 
706(e) of ECOA, as amended, provides that no provision of ECOA imposing 
liability shall apply to any act done or omitted in good faith in 
conformity with any official rule, regulation, or interpretation 
thereof by the Bureau or in conformity with any interpretation or 
approval by an official or employee of the Bureau duly authorized by 
the Bureau to issue such an interpretation or approval. This notice 
(Bureau official approval) constitutes such an interpretation or 
approval, and therefore section 706(e) protects a creditor from civil 
liability under ECOA for any act done or omitted in good faith in 
conformity with this notice.
    The Federal Home Loan Mortgage Corporation and the Federal National 
Mortgage Association (collectively, the Enterprises), under the 
conservatorship of the Federal Housing Finance Agency (FHFA), issued a 
revised and redesigned Uniform Residential Loan Application on August 
23, 2016 (redesigned URLA). That issuance was part of the effort of 
these entities to update the Uniform Loan Application Dataset (ULAD) in 
conjunction with the redesigned URLA. Bureau staff reviewed the 
redesigned URLA in accordance with the request by FHFA and the 
Enterprises for a Bureau official approval of the redesigned URLA under 
ECOA and Regulation B, and the Bureau issued a Bureau official approval 
notice on September 23, 2016, which was published in the Federal 
Register on September 29, 2016.\1\ That notice states that Bureau staff 
determined that the relevant language in the redesigned URLA is in 
compliance with the regulatory provisions of Regulation B Sec.  
1002.5(b) through (d), regarding requests for protected applicant-
characteristic information and certain other information. The notice 
also recognizes that the use of the redesigned URLA by creditors is not 
required under Regulation B. The notice goes on to state that a 
creditor that uses the redesigned URLA without any modification that 
would violate Sec.  1002.5(b) through (d) would act in compliance with 
Sec.  1002.5(b) through (d).
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    \1\ 81 FR 66930 (Sept. 29, 2016), https://www.federalregister.gov/documents/2016/09/29/2016-23555/status-of-new-uniform-residential-loan-application-and-collection-of-expanded-home-mortgage. The redesigned URLA is attached to the notice.
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    On November 17, 2017, the Enterprises, under the conservatorship of 
the FHFA, issued an update to the redesigned URLA that included, among 
other modifications, an additional question concerning an applicant's 
language preference (final redesigned URLA).\2\ Bureau staff has 
reviewed the final redesigned URLA, including the additional language 
preference question, in accordance with the request by FHFA for a 
Bureau official approval under ECOA and Regulation B. Bureau staff 
specifically reviewed the question with respect to Regulation B Sec.  
1002.5(b) concerning requests for information about national origin.
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    \2\ See final redesigned URLA (Borrower Information, Additional 
Borrower, Unmarried Addendum, Lender Loan Information, Continuation 
Sheet, and Demographic Information Addendum) attached to this notice 
under Section IV. See also https://www.fanniemae.com/singlefamily/uniform-residential-loan-application and http://www.freddiemac.com/singlefamily/sell/ulad.html.
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II. Bureau Official Approval

    Bureau staff has determined that the final redesigned URLA is in 
compliance with Sec.  1002.5(b) through (d).\3\ A creditor's use of the 
final redesigned URLA without any modification that would violate Sec.  
1002.5(b) through (d) would act in compliance with Sec.  1002.5(b) 
through (d). Bureau staff has also determined that because the 
substance and form of section 7 of the final redesigned URLA is 
substantially similar to the form the Bureau provides as a model form 
in Regulation C, the final redesigned URLA may be used in complying 
with Sec.  1002.13.\4\ A creditor's

[[Page 55811]]

use of the final redesigned URLA is not required under Regulation B.
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    \3\ Regulation B Sec.  1002.5(b) provides rules concerning 
requests for information about race, color, religion, national 
origin, or sex. Section 1002.5(c) provides rules concerning requests 
for information about a spouse or former spouse. Section 1002.5(d) 
provides rules concerning requests for information regarding marital 
status; income from alimony, child support, or separate maintenance; 
and childbearing or childrearing.
    \4\ Regulation C implements the Home Mortgage Disclosure Act 
(HMDA). See Regulation C, 12 CFR part 1003, appendix B, Sample Data 
Collection Form. Effective January 1, 2018, Regulation B Sec.  
1002.13(a) comment 7 provides that, ``[f]or applications subject to 
Sec.  1002.13(a)(1), a creditor that collects information about the 
ethnicity, race, and sex of an applicant in compliance with the 
requirements of appendix B to 12 CFR part 1003 is acting in 
compliance with Sec.  1002.13 concerning the collection of an 
applicant's ethnicity, race, and sex information.'' See Amendments 
to Equal Credit Opportunity Act (Regulation B) Ethnicity and Race 
Information Collection, 82 FR 45680, 45689 (Oct. 2, 2017).
---------------------------------------------------------------------------

    The issuance of this Bureau official approval has been duly 
authorized by the Director of the Bureau and provides the protection 
afforded under section 706(e) of ECOA.

III. Regulatory Requirements

    This Bureau official approval is an approval or interpretation 
exempt from notice and comment rulemaking requirements under the 
Administrative Procedure Act. See 5 U.S.C. 551, 553(b). Because no 
notice of proposed rulemaking is required, the Regulatory Flexibility 
Act does not require an initial or final regulatory flexibility 
analysis. 5 U.S.C. 603(a), 604(a). The Bureau has determined that this 
notice does not impose any new or revise any existing recordkeeping, 
reporting, or disclosure requirements on covered entities or members of 
the public that would be collections of information requiring approval 
from the Office of Management and Budget (OMB) under the Paperwork 
Reduction Act, 44 U.S.C. 3501, et seq.
    The existing information collections required by ECOA and 
Regulation B have been approved by OMB under OMB Control #3170-0013, 
and the information collections for HMDA and Regulation C are approved 
under OMB Control #3170-0008. The Bureau's approval of the updated 
redesigned URLA does not add or alter any information collections 
approved under either rule.

IV. Final Redesigned Uniform Residential Loan Application

BILLING CODE 4810-AM-P

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[[Page 55829]]


    Dated: November 20, 2017.
David Silberman,
Acting Deputy Director of the Bureau and Associate Director, Division 
of Research, Markets, and Regulations, Bureau of Consumer Financial 
Protection.
[FR Doc. 2017-25434 Filed 11-22-17; 8:45 am]
 BILLING CODE 4810-AM-C



                                                55810                       Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices

                                                narrative including graphs and charts                   FOR FURTHER INFORMATION CONTACT:                      required under Regulation B. The notice
                                                and submitting reports electronically                   Marta Tanenhaus and James Wylie,                      goes on to state that a creditor that uses
                                                including an electronic signature. Under                Senior Counsels, Office of Regulations,               the redesigned URLA without any
                                                SLIGP 2.0, NTIA will not require that                   Consumer Financial Protection Bureau,                 modification that would violate
                                                grantees provide quarterly to baseline                  1700 G Street NW., Washington, DC                     § 1002.5(b) through (d) would act in
                                                progress comparisons and has reduced                    20552, at 202–435–7700.                               compliance with § 1002.5(b) through
                                                narrative reporting as compared to                      SUPPLEMENTARY INFORMATION:                            (d).
                                                SLIGP 1.0 reporting requirements. NTIA                                                                           On November 17, 2017, the
                                                has determined that grantees may                        I. Background
                                                                                                                                                              Enterprises, under the conservatorship
                                                include graphs and charts to                               The Bureau of Consumer Financial                   of the FHFA, issued an update to the
                                                complement required quarterly                           Protection (Bureau) administers the                   redesigned URLA that included, among
                                                reporting, and electronic signatures of                 Equal Credit Opportunity Act (ECOA),                  other modifications, an additional
                                                authorized officials are acceptable for                 15 U.S.C. 1691, et seq. and its                       question concerning an applicant’s
                                                certification purposes. While using an                  implementing regulation, Regulation B,                language preference (final redesigned
                                                on-line portal may be advantageous, the                 12 CFR part 1002. Section 706(e) of                   URLA).2 Bureau staff has reviewed the
                                                limited amount and frequency of data to                 ECOA, as amended, provides that no                    final redesigned URLA, including the
                                                be collected over the duration of the                   provision of ECOA imposing liability                  additional language preference question,
                                                SLIGP 2.0 grant period of performance                   shall apply to any act done or omitted                in accordance with the request by FHFA
                                                and the associated costs of establishing                in good faith in conformity with any                  for a Bureau official approval under
                                                an electronic on-line portal mechanism                  official rule, regulation, or interpretation          ECOA and Regulation B. Bureau staff
                                                makes such an investment prohibitive.                   thereof by the Bureau or in conformity                specifically reviewed the question with
                                                  The publication of this notice allows                 with any interpretation or approval by                respect to Regulation B § 1002.5(b)
                                                NTIA to begin the process to request                    an official or employee of the Bureau                 concerning requests for information
                                                OMB approval to collect information                     duly authorized by the Bureau to issue                about national origin.
                                                under the provisions of the Paperwork                   such an interpretation or approval. This
                                                Reduction Act (44 U.S.C. Chapter 35).                   notice (Bureau official approval)                     II. Bureau Official Approval
                                                  Affected Public: State, regional, local               constitutes such an interpretation or                    Bureau staff has determined that the
                                                and tribal government organizations.                    approval, and therefore section 706(e)
                                                  Frequency: Quarterly.                                                                                       final redesigned URLA is in compliance
                                                                                                        protects a creditor from civil liability              with § 1002.5(b) through (d).3 A
                                                  Respondent’s Obligation: This                         under ECOA for any act done or omitted
                                                information collection request may be                                                                         creditor’s use of the final redesigned
                                                                                                        in good faith in conformity with this                 URLA without any modification that
                                                viewed at reginfo.gov. Follow the                       notice.
                                                instructions to view Department of                                                                            would violate § 1002.5(b) through (d)
                                                                                                           The Federal Home Loan Mortgage
                                                Commerce collections currently under                                                                          would act in compliance with
                                                                                                        Corporation and the Federal National
                                                review by OMB.                                                                                                § 1002.5(b) through (d). Bureau staff has
                                                                                                        Mortgage Association (collectively, the
                                                  Written comments and                                  Enterprises), under the conservatorship               also determined that because the
                                                recommendations for the proposed                        of the Federal Housing Finance Agency                 substance and form of section 7 of the
                                                information collection should be sent                   (FHFA), issued a revised and redesigned               final redesigned URLA is substantially
                                                within 30 days of publication of this                   Uniform Residential Loan Application                  similar to the form the Bureau provides
                                                notice to OIRA_Submission@                              on August 23, 2016 (redesigned URLA).                 as a model form in Regulation C, the
                                                omb.eop.gov or fax to (202) 395–5806.                   That issuance was part of the effort of               final redesigned URLA may be used in
                                                                                                        these entities to update the Uniform                  complying with § 1002.13.4 A creditor’s
                                                Sheleen Dumas,
                                                PRA Department Lead, Office of the Chief
                                                                                                        Loan Application Dataset (ULAD) in
                                                                                                                                                                 2 See final redesigned URLA (Borrower
                                                Information Officer.                                    conjunction with the redesigned URLA.
                                                                                                                                                              Information, Additional Borrower, Unmarried
                                                [FR Doc. 2017–25389 Filed 11–22–17; 8:45 am]
                                                                                                        Bureau staff reviewed the redesigned                  Addendum, Lender Loan Information, Continuation
                                                                                                        URLA in accordance with the request by                Sheet, and Demographic Information Addendum)
                                                BILLING CODE 3510–60–P
                                                                                                        FHFA and the Enterprises for a Bureau                 attached to this notice under Section IV. See also
                                                                                                        official approval of the redesigned                   https://www.fanniemae.com/singlefamily/uniform-
                                                                                                                                                              residential-loan-application and http://
                                                                                                        URLA under ECOA and Regulation B,                     www.freddiemac.com/singlefamily/sell/ulad.html.
                                                BUREAU OF CONSUMER FINANCIAL                            and the Bureau issued a Bureau official                  3 Regulation B § 1002.5(b) provides rules
                                                PROTECTION                                              approval notice on September 23, 2016,                concerning requests for information about race,
                                                Final Redesigned Uniform Residential                    which was published in the Federal                    color, religion, national origin, or sex. Section
                                                                                                        Register on September 29, 2016.1 That                 1002.5(c) provides rules concerning requests for
                                                Loan Application Status Under                                                                                 information about a spouse or former spouse.
                                                Regulation B                                            notice states that Bureau staff                       Section 1002.5(d) provides rules concerning
                                                                                                        determined that the relevant language in              requests for information regarding marital status;
                                                AGENCY:  Bureau of Consumer Financial                   the redesigned URLA is in compliance                  income from alimony, child support, or separate
                                                Protection.                                             with the regulatory provisions of                     maintenance; and childbearing or childrearing.
                                                                                                                                                                 4 Regulation C implements the Home Mortgage
                                                ACTION: Bureau official approval.                       Regulation B § 1002.5(b) through (d),
                                                                                                                                                              Disclosure Act (HMDA). See Regulation C, 12 CFR
                                                                                                        regarding requests for protected                      part 1003, appendix B, Sample Data Collection
                                                SUMMARY:  The Bureau of Consumer                        applicant-characteristic information and              Form. Effective January 1, 2018, Regulation B
                                                Financial Protection is publishing a                    certain other information. The notice                 § 1002.13(a) comment 7 provides that, ‘‘[f]or
                                                notice pursuant to section 706(e) of the                                                                      applications subject to § 1002.13(a)(1), a creditor
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                                                                                                        also recognizes that the use of the
                                                Equal Credit Opportunity Act                                                                                  that collects information about the ethnicity, race,
                                                                                                        redesigned URLA by creditors is not                   and sex of an applicant in compliance with the
                                                concerning the update of the redesigned                                                                       requirements of appendix B to 12 CFR part 1003 is
                                                Uniform Residential Loan Application                      1 81 FR 66930 (Sept. 29, 2016), https://            acting in compliance with § 1002.13 concerning the
                                                to include an applicant language                        www.federalregister.gov/documents/2016/09/29/         collection of an applicant’s ethnicity, race, and sex
                                                preference question.                                    2016-23555/status-of-new-uniform-residential-loan-    information.’’ See Amendments to Equal Credit
                                                                                                        application-and-collection-of-expanded-home-          Opportunity Act (Regulation B) Ethnicity and Race
                                                DATES: This official approval is issued                 mortgage. The redesigned URLA is attached to the      Information Collection, 82 FR 45680, 45689 (Oct. 2,
                                                November 20, 2017.                                      notice.                                               2017).



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                                                                            Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices                                         55811

                                                use of the final redesigned URLA is not                 rulemaking is required, the Regulatory                   The existing information collections
                                                required under Regulation B.                            Flexibility Act does not require an                   required by ECOA and Regulation B
                                                  The issuance of this Bureau official                  initial or final regulatory flexibility               have been approved by OMB under
                                                approval has been duly authorized by                    analysis. 5 U.S.C. 603(a), 604(a). The                OMB Control #3170–0013, and the
                                                the Director of the Bureau and provides                 Bureau has determined that this notice                information collections for HMDA and
                                                the protection afforded under section                   does not impose any new or revise any                 Regulation C are approved under OMB
                                                706(e) of ECOA.                                         existing recordkeeping, reporting, or                 Control #3170–0008. The Bureau’s
                                                                                                        disclosure requirements on covered                    approval of the updated redesigned
                                                III. Regulatory Requirements
                                                                                                        entities or members of the public that                URLA does not add or alter any
                                                  This Bureau official approval is an                                                                         information collections approved under
                                                                                                        would be collections of information
                                                approval or interpretation exempt from                                                                        either rule.
                                                                                                        requiring approval from the Office of
                                                notice and comment rulemaking
                                                                                                        Management and Budget (OMB) under                     IV. Final Redesigned Uniform
                                                requirements under the Administrative
                                                Procedure Act. See 5 U.S.C. 551, 553(b).                the Paperwork Reduction Act, 44 U.S.C.                Residential Loan Application
                                                Because no notice of proposed                           3501, et seq.                                         BILLING CODE 4810–AM–P
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                                                55812                       Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices




                                                                 Uniform Residential loan Application
                                                                                                                                                                                     Borrower must



                                                                                                                                                                                       incomelmrn




                                                                 languagel"ref~{:e- Yaw lo&l transaction is likely to be conducted in     Engli5h. Thl< que<tion reque<ts information to see If communicMinns
                                                                                                                 Please b<:                                                                       lat1S1Uoge.


                                                                                                                                                                                      do not wish to respond
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                                                                              Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices                                           55813




                                                                 Empl<>y<i!r or Bu•iness Name ---~~--~~----~---~~~-~------~-----~--~--~
                                                                 Street -----------------~---------~----~----------------~--~-----------------~-~-----------~--~------
                                                                 Cit)'




                                                                 itilifJij§!BJ:iiJMilj·l§fJffii.\i@ifiiJI§'HIIj&ibb@jl§di,iitJ!jMfili.\ilfA                                  Do"s n<>tapply
                                                                 Provide at least 2 yeal'!l of wrrent and previous employment "nd income.

                                                                 Employer or Business Name ____~~~~~~----~----------                                                     Previous Groos Monthly
                                                                                                                                                                         Income
                                                                                                                                                                         $_ _ _ _ _ _ _

                                                                 Position or Title
                                                                 StartDat<>
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                                                55814                         Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices




                                                                 Account Typ<t- t~si! list abovi?                l'inan<ialln•tll:ution                   AccountNurnbw                     Ciish or Market 'lllllu ..
                                                                                                                                                                                            s
                                                                                                                                                                                            $
                                                                                                                                                                                            s
                                                                                                                                                                                            $
                                                                                                                                                                                            s
                                                                                                                                                                  Provide TOTAl Amount H~ $




                                                                 lndude all othelillbilititi 1md <!>l<p<tn$<1!:$ b'<llow, Choo$111 from thetyp..$list<!<d hti'<!>:
                                                                 ·1\linwny    ·(hildSU!>!J<IIl      ·"'   ·''"                 ·lnhf1<•icJtedt•P"''"''   ·\llhN                               Monthl~   Pa)lment
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                                                                            Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices                           55815

                                                                 Section l: financial Information -
                                                                     what you                      fdcn<>f<>wnanynmles~~




                                                                 iiiJ4ijij!tftH!i¥liil·'dM#IiiiijiiMM.fft*i'iji.!p
                                                                 Address
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                                                55816                       Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices




                                                                 Creditor Name


                                                                                                                            lien




                                                                 lndude all gifts and grimb below, Under Source, dloose from the sources listed l'uu·e;
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                                                                            Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices                                       55817

                                                                 Section S: Declarations. This                                                                              and your past
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                                                55818                        Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices

                                                                 Section 6: Acknowledgments and Agreements.                                                                          obligations when




                                                                 By signing below, I agree to, ad<nowledge, ami represent the
                                                                 following statflll..nts abot~t:
                                                                 {1) The Complo~:te ll'lfotmatioo f« this Applio::ation
                                                                 • The information                                     is tme, accurate,




                                                                                                                                            (6} Use and Sharing of lnfotmation
                                                                                                                                            l           and ad'""'"'l'>ckte
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                                                                            Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices                                                                55819

                                                                 Section 7: Demographic Information.




                                                                                           d..,;iqinatiorl< iit>r "Rae"" The I""' provid"s that"'" may not discriminate on th" basis aHhis information, or on
                                                                                                                       choMe not to pro,ide the                                    appllcation in per~on, Fe:leral
                                                                                                    "u""'"'"'· s<!x, and rat€!' on the                                                 provides that we may not
                                                                                                              status inform<Ition you provide in this                                             or all of this


                                                                 Ethniciey: Check mw or mote
                                                                   Hisp,nic or Utino                                                                                            - PrintnametifenroJle:d
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                                                55820                        Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices




                                                                 Uniform Residential Loan Application - Additional Borrower
                                                                 Verify and complete the information on this applk ..tlon as dlro.~<ted by your Lender.


                                                                 Section 1: Borrower Information. This section asks about                                                              income from




                                                                 If at Cum~~nt Address for lESS than l years, list Former Address         o.,es ll"t apply
                                                                 Str..,l




                                                                 language Preference- Your l<><m transaction islik.ely to be conducted in English. Thisqu.,<tioo req~<t< inform~tion to'""' if mn~munic8!1ons
                                                                                                                   Please b<?

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                                                                            Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices                                        55821




                                                                                                                                                                        LI D""s n<>t apply
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                                                55822                       Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices

                                                                 Section 3: financial Information - Real Estate.
                                                                 My                           is                      Re~idential




                                                                                                         section asks you S}J!.'Cilk questrons about                          and yow past




                                                                                ACll<nc:.waecage~m,en1ts and         Agreements.
                                                                                                              Residential loan   Annlil'.,ti:cm
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                                                                              Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices                                  55823

                                                                 Section 7: Demographic Information.

                                                                 The purpose ofcoll...:ting tills information is to help <ln>l.lre that all
                                                                 and neiohbo.t'hooos




                                                                 Etllnicity' Cht'Ck one or more
                                                                    H isp11nic or Latino




                                                                   Section 8: loan Originator Information.
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                                                55824                         Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices




                                                                 Uniform Residential Loan Application - Unmarried Addendum




                                                                                                                          Reciprocal Be1neficiary flela1tiorlshio

                                                                     State:
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                                                                            Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices                           55825




                                                                    Esta~ Will be Held in
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                                                55826                       Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices


                                                                   1¥1·'1·&111+1Mil1 §11\1hhi11"d§·''''*·lltd!¥N:Mi




                                                                         lfVES:   (1) WhaUormat wa•
                                                                                  (2) Who provided it:
                                                                                        HL!O~apprtl\•edagency, provide Housing Counseling
                                                                                            HllD-aormlV<Jd agency, or unsure of HUD approval,
                                                                                                            Collloseli!m'! Agency ___________ --------~--~---------------~---


                                                                    1-A• the s-w<sl wmplet<!d housing wun,.ellng !customized counselor--to-dimt servlc<!Sl within the laot 1:2 m<>nths? 0 NO 0 YES
                                                                          If YES: Whatformatwas it in: {Check the mo<t rec!!Cnt) 0 Fac<Ho~Face   Telephone
                                                                                  Who provided it:
                                                                                        HUD-appmv<>d agency,
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                                                                                Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices                                                                                       55827




                                                                 Borrow<~'r N<>m<!! (fint. Middte,
                                                                 Addition,.llnforrn,.tion




                                                                 Additional BortoW<l!' Narni!' {FitS(, Middlf', Lt<sl; Suffix) ------------------------------------------------------ ________________________ --~---------------------------
                                                                 Additionallnf<>m!llti<>n
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                                                55828                        Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices

                                                                 Demographic Information Addendum. This                                                                                 race.



                                                                 The purpo•~H>holle.:tin!l this information              ensure that all                                                  needs of communities
                                                                 and                                    for reosicleontial mortgage lending,                                          for their demogr,Jphk
                                                                                                        ord<>r to monitor ourcompli~nce with equal Cf<>dil                                 home mortgage
                                                                                                                      information, but are encouraged to do><>. You may select one or more des~gnations for
                                                                                                                      The law provides that W«!: may not discriminate on the                information, or on
                                                                                                             if you choose not to                                                               in person, Fe,deral
                                                                                                                        race on the                                                               that W€! may
                                                                                                                   inf,~rn'·'tkm you provide in this                                                or all of this


                                                                 Ethnidty: Check one or more
                                                                    Hispanic or Latino
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                                                                            Federal Register / Vol. 82, No. 225 / Friday, November 24, 2017 / Notices                                           55829

                                                  Dated: November 20, 2017.                             12:05 p.m. will be closed to the public               Reserve Integration’s study on the
                                                David Silberman,                                        and will consist of remarks to the RFPB               Reserve Component Travel Pay.
                                                Acting Deputy Director of the Bureau and                from following invited speakers: The                     Meeting Accessibility: Pursuant to
                                                Associate Director, Division of Research,               Deputy Secretary of Defense will                      section 10(a)(1) of the FACA and 41 CFR
                                                Markets, and Regulations, Bureau of                     address key national military strategy                102–3.140 through 102–3.165, and
                                                Consumer Financial Protection.                          challenges facing our Nation and                      subject to the availability of space, the
                                                [FR Doc. 2017–25434 Filed 11–22–17; 8:45 am]            priorities for adapting the force and the             meeting is open to the public from 1:00
                                                BILLING CODE 4810–AM–C                                  use of the Reserve Components to                      p.m. to 3:50 p.m. Seating is on a first-
                                                                                                        accomplish these challenges. The                      come, first-served basis. All members of
                                                                                                        Commander, U.S. Northern Command                      the public who wish to attend the
                                                DEPARTMENT OF DEFENSE                                   will discuss the readiness, availability,             public meeting must contact Mr. Alex
                                                                                                        and use of the National Guard and                     Sabol, the Designated Federal Officer,
                                                Office of the Secretary                                 Reserve within the Northern Command                   no later than 12:00 p.m. on Tuesday,
                                                                                                                                                              December 12, 2017, as listed in the FOR
                                                Reserve Forces Policy Board; Notice                     with their increased emphasis on the
                                                                                                                                                              FURTHER INFORMATION CONTACT section to
                                                of Federal Advisory Committee                           homeland security missions for the
                                                                                                                                                              make arrangements for a Pentagon
                                                Meeting                                                 Reserve Component members. The
                                                                                                                                                              escort, if necessary. Public attendees
                                                                                                        Acting Secretary of the U.S. Army will                requiring escort should arrive at the
                                                AGENCY:  Under Secretary of Defense for                 discuss the Army’s posture, status on
                                                Personnel and Readiness, Department of                                                                        Pentagon Metro Entrance at 12:30 p.m.
                                                                                                        the Report of the National Commission                 to provide sufficient time to complete
                                                Defense.                                                on the Future of the Army                             security screening to attend the
                                                ACTION: Notice of Federal Advisory                      recommendations, and plans to adapt                   beginning of the Open Meeting at 1:00
                                                Committee meeting.                                      the Total Army to meet future                         p.m. on December 13. To complete the
                                                SUMMARY:    The Department of Defense                   challenges. The Institute for Defense                 security screening, please be prepared to
                                                (DoD) is publishing this notice to                      Analysis (IDA) will brief the findings of             present two forms of identification. One
                                                announce that the following Federal                     the current IDA study on the Reserve                  must be a picture identification card. In
                                                Advisory Committee meeting of the                       Components performance during                         accordance with section 10(d) of the
                                                Reserve Forces Policy Board (RFPB) will                 Operation Enduring Freedom. Major                     FACA, 5 U.S.C. 552b(c), and 41 CFR
                                                take place.                                             General Sheila Zuehlke, USAFR                         102–3.155, the DoD has determined that
                                                                                                        (Retired), Subcommittee on Enhancing                  the portion of this meeting scheduled to
                                                DATES: The RFPB will hold a meeting on
                                                Wednesday, December 13, 2017 from                       DoD’s Role in the Homeland Board                      occur from 8:10 a.m. to 12:05 p.m. will
                                                8:10 a.m. to 3:50 p.m. The portion of the               Member and RADML David                                be closed to the public. Specifically, the
                                                meeting from 8:10 a.m. to 12:05 p.m.                    Dermanelian, USCG, J7, Director,                      Under Secretary of Defense (Personnel
                                                will be closed to the public. The portion               Exercises and Training, USCYBERCOM                    and Readiness), in coordination with
                                                of the meeting from 1:00 p.m. to 3:50                   will discuss the USCYBERCOM’s                         the Department of Defense FACA
                                                p.m. will be open to the public.                        Service’s cyber training and certification            Attorney, has determined in writing that
                                                                                                        program, and the use of the National                  this portion of the meeting will be
                                                ADDRESSES: The RFPB meeting address
                                                                                                        Guard and Reserve to meet the cyber                   closed to the public because it is likely
                                                is the Pentagon, Room 3E863, Arlington,                                                                       to disclose classified matters covered by
                                                VA.                                                     threats. The portion of the meeting from
                                                                                                        1:00 p.m. to 3:50 p.m. will be open to                5 U.S.C. 552b(c)(1).
                                                FOR FURTHER INFORMATION CONTACT:                                                                                 Written Statements: Pursuant to
                                                                                                        the public and will consist of briefings
                                                Alexander Sabol, (703) 681–0577                                                                               section 10(a)(3) of the FACA and 41 CFR
                                                                                                        from the following: The Chief of the Air
                                                (Voice), 703–681–0002 (Facsimile),                                                                            102–3.105(j) and 102–3.140, interested
                                                Alexander.J.Sabol.Civ@Mail.Mil (Email).                 Force Reserve will discuss the Air Force
                                                                                                        Reserve goals, readiness objectives, and              persons may submit written statements
                                                Mailing address is Reserve Forces Policy                                                                      to the RFPB about its approved agenda
                                                Board, 5113 Leesburg Pike, Suite 601,                   challenges for the ‘‘Operational
                                                                                                                                                              or at any time on the RFPB’s mission.
                                                Falls Church, VA 22041. Web site:                       Reserve’’ as part of the Total Force. The
                                                                                                                                                              Written statements should be submitted
                                                http://rfpb.defense.gov/. The most up-                  Adjutant General of Texas National
                                                                                                                                                              to the RFPB’s Designated Federal Officer
                                                to-date changes to the meeting agenda                   Guard and the Director of the Joint Staff,
                                                                                                                                                              at the address, email, or facsimile
                                                can be found on the Web site.                           Joint Force Headquarters of Texas                     number listed in the FOR FURTHER
                                                SUPPLEMENTARY INFORMATION: This
                                                                                                        National Guard will discuss the recent                INFORMATION CONTACT section. If
                                                meeting is being held under the                         Texas domestic operations involving the               statements pertain to a specific topic
                                                provisions of the Federal Advisory                      Texas National Guard during Hurricane                 being discussed at the planned meeting,
                                                Committee Act (FACA) of 1972 (5                         Harvey. The National Chair, Employer                  then these statements must be submitted
                                                U.S.C., Appendix, as amended), the                      Support of the Guard and Reserve will                 no later than five (5) business days prior
                                                Government in the Sunshine Act of                       discuss the Employer Support of the                   to the meeting in question. Written
                                                1976 (5 U.S.C. 552b, as amended), and                   Guard and Reserve’s mission of                        statements received after this date may
                                                41 CFR 102–3.140 and 102–3.150.                         facilitating and promoting a cooperative              not be provided to or considered by the
                                                   Purpose of the Meeting: The purpose                  culture of employer support for National              RFPB until its next meeting. The
                                                of the meeting is to obtain, review, and                Guard and Reserve. The Chair of the                   Designated Federal Officer will review
                                                evaluate information related to                         RFPB’s Subcommittee on Supporting &                   all timely submitted written statements
                                                                                                        Sustaining Reserve Component
sradovich on DSK3GMQ082PROD with NOTICES




                                                strategies, policies, and practices                                                                           and provide copies to all the RFPB
                                                designed to improve and enhance the                     Personnel will present to the RFPB the                members before the meeting that is the
                                                capabilities, efficiency, and                           subcommittee’s proposed                               subject of this notice. Please note that
                                                effectiveness of the Reserve                            recommendations to the Secretary of                   since the RFPB operates under the
                                                Components.                                             Defense concerning the OUSD P&R Duty                  provisions of the FACA, all submitted
                                                   Agenda: The RFPB will hold a                         Status Reform proposal and the co-                    comments and public presentations will
                                                meeting from 8:10 a.m. to 3:50 p.m. The                 sponsored National Guard Bureau’s and                 be treated as public documents and will
                                                portion of the meeting from 8:10 a.m. to                OASD Manpower & Reserve Affairs                       be made available for public inspection,


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Document Created: 2017-11-22 23:33:52
Document Modified: 2017-11-22 23:33:52
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
ActionBureau official approval.
DatesThis official approval is issued November 20, 2017.
ContactMarta Tanenhaus and James Wylie, Senior Counsels, Office of Regulations, Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552, at 202-435-7700.
FR Citation82 FR 55810 

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