82 FR 9741 - Agency Information Collection Activities: Submission for OMB Review; National Survey of Unbanked and Underbanked Households (3064-0167); Comment Request

FEDERAL DEPOSIT INSURANCE CORPORATION

Federal Register Volume 82, Issue 25 (February 8, 2017)

Page Range		9741-9742
FR Document		2017-02593

The FDIC, as part of its continuing effort to reduce paperwork and respondent burden, invites the general public and other Federal agencies to take this opportunity to comment on the renewal of existing information collections, as required by the Paperwork Reduction Act of 1995 (44 U.S.C. chapter 35). On May 24, 2016, (81 FR 35752), the FDIC requested comment for 60 days on a proposal to renew the information collections described below. No comments were received. The FDIC hereby gives notice of its plan to submit to OMB a request to approve the renewal of these collections, and again invites comment on this renewal.

Federal Register, Volume 82 Issue 25 (Wednesday, February 8, 2017)

[Federal Register Volume 82, Number 25 (Wednesday, February 8, 2017)]
[Notices]
[Pages 9741-9742]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2017-02593]


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FEDERAL DEPOSIT INSURANCE CORPORATION


Agency Information Collection Activities: Submission for OMB 
Review; National Survey of Unbanked and Underbanked Households (3064-
0167); Comment Request

AGENCY: Federal Deposit Insurance Corporation (FDIC).

ACTION: Notice and request for comment.

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

SUMMARY: The FDIC, as part of its continuing effort to reduce paperwork 
and respondent burden, invites the general public and other Federal 
agencies to take this opportunity to comment on the renewal of existing 
information collections, as required by the Paperwork Reduction Act of 
1995 (44 U.S.C. chapter 35). On May 24, 2016, (81 FR 35752), the FDIC 
requested comment for 60 days on a proposal to renew the information 
collections described below. No comments were received. The FDIC hereby 
gives notice of its plan to submit to OMB a request to approve the 
renewal of these collections, and again invites comment on this 
renewal.

DATES: Comments must be submitted on or before March 10, 2017.

ADDRESSES: Interested parties are invited to submit written comments to 
the FDIC by any of the following methods:
     http://www.FDIC.gov/regulations/laws/federal/notices.html.
     Email: [email protected]. Include the name and number of 
the collection in the subject line of the message.
     Mail: Manny Cabeza (202-898-3767), Counsel, MB-3007, 
Federal Deposit Insurance Corporation, 550 17th Street NW., Washington, 
DC 20429.
     Hand Delivery: Comments may be hand-delivered to the guard 
station at the rear of the 17th Street Building (located on F Street), 
on business days between 7:00 a.m. and 5:00 p.m.
    All comments should refer to the relevant OMB control number. A 
copy of the comments may also be submitted to the OMB desk officer for 
the FDIC: Office of Information and Regulatory Affairs, Office of 
Management and Budget, New Executive Office Building, Washington, DC 
20503.

FOR FURTHER INFORMATION CONTACT: Manny Cabeza, at the FDIC address 
above.

SUPPLEMENTARY INFORMATION: The FDIC is considering possible revisions 
to the following collection of information:
    Title: National Survey of Unbanked and Underbanked Households.
    OMB Number: 3064-0167.
    Frequency of Response: Once.
    Affected Public: U.S. Households.
    Estimated Number of Respondents: 40,000.
    Average Time per Response: 9 minutes (0.15 hours) per respondent.
    Estimated Total Annual Burden: 0.15 hours x 40,000 respondents = 
6,000 hours.

General Description of Collection

    The FDIC recognizes that public confidence in the banking system is 
strengthened when banks effectively serve the broadest possible set of 
consumers. As a result, the agency is committed to increasing the 
participation of unbanked and underbanked households in the financial 
mainstream by ensuring that all Americans have access to safe, secure, 
and affordable banking services. The National Survey of Unbanked and 
Underbanked Households is one contribution to this end.
    The National Survey of Unbanked and Underbanked Households is also 
a key component of the FDIC's efforts to comply with a Congressional 
mandate contained in section 7 of the Federal Deposit Insurance Reform 
Conforming Amendments Act of 2005 (``Reform Act'') (Pub. L. 109-173), 
which calls for the FDIC to conduct ongoing surveys ``on efforts by 
insured depository institutions to bring those individuals and families 
who have rarely, if ever, held a checking account, a savings account or 
other type of transaction or check cashing account at an insured 
depository institution (hereafter in this section referred to as the 
`unbanked') into the conventional finance system.'' Section 7 further 
instructs the FDIC to consider several factors in its conduct of the 
surveys, including: (1) ``what cultural, language and identification 
issues as well as transaction costs appear to most prevent `unbanked' 
individuals from establishing conventional accounts''; and (2) ``what 
is a fair estimate of the size and worth of the ``unbanked'' market in 
the United States.'' The National Survey of Unbanked and Underbanked 
Households is designed to address these factors and provide a factual 
basis on the proportions of unbanked households. Such a factual basis 
is

[[Page 9742]]

necessary to adequately assess banks' efforts to serve these households 
as required by the statutory mandate.
    To obtain this information, the FDIC partnered with the U.S. Census 
Bureau, which administered the Household Survey supplement (``FDIC 
Supplement') to households that participated in the January 2009, June 
2011, June 2013 and June 2015 CPS. The results of these surveys were 
released to the public in December 2009, September 2012, October 2014, 
and October 2016, respectively.
    The FDIC supplement has yielded nationally-representative data, not 
otherwise available, on the size and characteristics of the population 
that is unbanked or underbanked, the use by this population of 
alternative financial services, and the reasons why some households do 
not make greater use of mainstream banking services. The National 
Survey of Unbanked and Underbanked Households is the only population-
representative survey conducted at the national level that provides 
state-level estimates of the size and characteristics of unbanked and 
underbanked households for all 50 states and the District of Columbia. 
An executive summary of the results of the previous Household Surveys, 
the full reports, and the survey questionnaires can be accessed through 
the following link: http://www.economicinclusion.gov/surveys.
    Consistent with the statutory mandate to conduct the surveys on an 
ongoing basis, the FDIC already has in place arrangements for 
conducting the fourth Household Survey as a supplement to the June 2017 
CPS. However, prior to finalizing the next survey questionnaire, the 
FDIC seeks to solicit public comment on whether changes to the existing 
instrument are desirable and, if so, to what extent. It should be noted 
that, as a supplement of the CPS survey, the Household Survey needs to 
adhere to specific parameters that include limits in the length and 
sensitivity of the questions that can be asked of CPS respondents. 
Specifically, there is a strict limitation on the number of questions 
permitted and the average time required to complete the survey.

Request for Comment

    Comments are invited on: (a) Whether the collections of information 
are necessary for the proper performance of the FDIC's functions, 
including whether the information has practical utility; (b) the 
accuracy of the estimates of the burden of the information collections, 
including the validity of the methodology and assumptions used; (c) 
ways to enhance the quality, utility, and clarity of the information to 
be collected; and (d) ways to minimize the burden of the collections of 
information on respondents, including through the use of automated 
collection techniques or other forms of information technology. All 
comments will become a matter of public record.

    Dated at Washington, DC, this 3rd day of February 2017.

Federal Deposit Insurance Corporation.

Valerie J. Best,
Assistant Executive Secretary.
[FR Doc. 2017-02593 Filed 2-7-17; 8:45 am]
 BILLING CODE 6714-01-P

Federal Register / Vol. 82, No. 25 / Wednesday, February 8, 2017 / Notices 9741

control-act-tsca/tsca-section-5a3c- Dated: January 8, 2017. FOR FURTHER INFORMATION CONTACT:
determination-32. Maria J. Doa, Manny Cabeza, at the FDIC address
EPA Case Number: J–16–0025; Director, Chemical Control Division, Office above.
Chemical identity: Trichoderma reesei of Pollution Prevention and Toxics. SUPPLEMENTARY INFORMATION: The FDIC
modified (generic name); Web site link: [FR Doc. 2017–02596 Filed 2–7–17; 8:45 am] is considering possible revisions to the
https://www.epa.gov/reviewing-new- BILLING CODE 6560–50–P following collection of information:
chemicals-under-toxic-substances- Title: National Survey of Unbanked
control-act-tsca/tsca-section-5a3c- and Underbanked Households.
determination-33. OMB Number: 3064–0167.
EPA Case Number: P–16–0403; FEDERAL DEPOSIT INSURANCE Frequency of Response: Once.
Chemical identity: Heteropolycyclic CORPORATION Affected Public: U.S. Households.
carboxylic acid, polymer with 2-ethyl-2- Estimated Number of Respondents:
(hydroxymethyl)-1,3-propanediol and 4- Agency Information Collection 40,000.
substitutedbenzene, substituted Activities: Submission for OMB Average Time per Response: 9
carbomonocycle- and alkyl-substituted Review; National Survey of Unbanked minutes (0.15 hours) per respondent.
carbomonocycle-blocked (generic and Underbanked Households (3064– Estimated Total Annual Burden: 0.15
name); Web site link: https:// 0167); Comment Request hours × 40,000 respondents = 6,000
www.epa.gov/reviewing-new-chemicals- AGENCY: Federal Deposit Insurance hours.
under-toxic-substances-control-act-tsca/ Corporation (FDIC).
tsca-section-5a3c-determination-28. General Description of Collection
ACTION: Notice and request for comment.
EPA Case Number: P–16–0492; The FDIC recognizes that public
Chemical identity: Polyester-amide SUMMARY: The FDIC, as part of its confidence in the banking system is
polymer of ‘isophthalic acid’ with continuing effort to reduce paperwork strengthened when banks effectively
diamino-alkane, cyclohexanedialcohol, and respondent burden, invites the serve the broadest possible set of
alkanetriol, di-isocyanate and acrylic general public and other Federal consumers. As a result, the agency is
acid-ethylene copolymer (generic agencies to take this opportunity to committed to increasing the
name); Web site link: https:// comment on the renewal of existing participation of unbanked and
www.epa.gov/reviewing-new-chemicals- information collections, as required by underbanked households in the
under-toxic-substances-control-act-tsca/ the Paperwork Reduction Act of 1995 financial mainstream by ensuring that
tsca-section-5a3c-determination-26. (44 U.S.C. chapter 35). On May 24, all Americans have access to safe,
EPA Case Number: P–16–0515; 2016, (81 FR 35752), the FDIC requested secure, and affordable banking services.
Chemical identity: Diamine substituted comment for 60 days on a proposal to The National Survey of Unbanked and
arylimidazole (generic name); Web site renew the information collections Underbanked Households is one
link: https://www.epa.gov/reviewing- described below. No comments were contribution to this end.
new-chemicals-under-toxic-substances- received. The FDIC hereby gives notice The National Survey of Unbanked and
control-act-tsca/tsca-section-5a3c- of its plan to submit to OMB a request Underbanked Households is also a key
determination-25. to approve the renewal of these component of the FDIC’s efforts to
EPA Case Number: P–16–0518; collections, and again invites comment comply with a Congressional mandate
Chemical identity: Polyalkylether on this renewal. contained in section 7 of the Federal
polyester (generic name); Web site link: Deposit Insurance Reform Conforming
DATES: Comments must be submitted on
https://www.epa.gov/reviewing-new- Amendments Act of 2005 (‘‘Reform
or before March 10, 2017. Act’’) (Pub. L. 109–173), which calls for
chemicals-under-toxic-substances-
ADDRESSES: Interested parties are the FDIC to conduct ongoing surveys
control-act-tsca/tsca-section-5a3c-
invited to submit written comments to ‘‘on efforts by insured depository
determination-29.
the FDIC by any of the following institutions to bring those individuals
EPA Case Number: P–16–0519; methods: and families who have rarely, if ever,
Chemical identity: Polyalkylether • http://www.FDIC.gov/regulations/ held a checking account, a savings
polyester (generic name); Web site link: laws/federal/notices.html. account or other type of transaction or
https://www.epa.gov/reviewing-new- • Email: comments@fdic.gov. Include check cashing account at an insured
chemicals-under-toxic-substances- the name and number of the collection depository institution (hereafter in this
control-act-tsca/tsca-section-5a3c- in the subject line of the message. section referred to as the ‘unbanked’)
determination-30.
• Mail: Manny Cabeza (202–898– into the conventional finance system.’’
EPA Case Number: P–16–0545; 3767), Counsel, MB–3007, Federal Section 7 further instructs the FDIC to
Chemical identity: Substituted siloxane Deposit Insurance Corporation, 550 17th consider several factors in its conduct of
polymer (generic name); Web site link: Street NW., Washington, DC 20429. the surveys, including: (1) ‘‘what
https://www.epa.gov/reviewing-new- • Hand Delivery: Comments may be cultural, language and identification
chemicals-under-toxic-substances- hand-delivered to the guard station at issues as well as transaction costs
control-act-tsca/tsca-section-5a3c- the rear of the 17th Street Building appear to most prevent ‘unbanked’
determination-27. (located on F Street), on business days individuals from establishing
EPA Case Number: P–16–0580; between 7:00 a.m. and 5:00 p.m. conventional accounts’’; and (2) ‘‘what
asabaliauskas on DSK3SPTVN1PROD with NOTICES

Chemical identity: Trimethylolpropane All comments should refer to the is a fair estimate of the size and worth
ester of mixed linear and branched relevant OMB control number. A copy of the ‘‘unbanked’’ market in the United
carboxylic acids (generic name); Web of the comments may also be submitted States.’’ The National Survey of
site link: https://www.epa.gov/ to the OMB desk officer for the FDIC: Unbanked and Underbanked
reviewing-new-chemicals-under-toxic- Office of Information and Regulatory Households is designed to address these
substances-control-act-tsca/tsca-section- Affairs, Office of Management and factors and provide a factual basis on
5a3c-determination-31. Budget, New Executive Office Building, the proportions of unbanked
Authority: 15 U.S.C. 2601 et seq. Washington, DC 20503. households. Such a factual basis is

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9742 Federal Register / Vol. 82, No. 25 / Wednesday, February 8, 2017 / Notices

necessary to adequately assess banks’ clarity of the information to be Filing Party: Neal M. Mayer; Hoppel,
efforts to serve these households as collected; and (d) ways to minimize the Mayer & Coleman; 1050 Connecticut
required by the statutory mandate. burden of the collections of information Ave. NW., 5th Floor, Washington, DC
To obtain this information, the FDIC on respondents, including through the 20036.
partnered with the U.S. Census Bureau, use of automated collection techniques Synopsis: The Agreement authorizes
which administered the Household or other forms of information The China Navigation Co. Pte Ltd. and
Survey supplement (‘‘FDIC technology. All comments will become Kyowa Shipping Co. Ltd. to charter
Supplement’) to households that a matter of public record. space to each other on an ‘‘as needed/
participated in the January 2009, June as available’’ basis in the trade between
Dated at Washington, DC, this 3rd day of
2011, June 2013 and June 2015 CPS. The February 2017. Korea on the one hand, and Guam and
results of these surveys were released to Saipan on the other hand.
Federal Deposit Insurance Corporation.
the public in December 2009, September Agreement No.: 012459.
2012, October 2014, and October 2016, Valerie J. Best,
Title: Crowley/King Ocean Space
respectively. Assistant Executive Secretary.
Charter Agreement—Eastern Caribbean
The FDIC supplement has yielded [FR Doc. 2017–02593 Filed 2–7–17; 8:45 am]
and South American Services.
nationally-representative data, not BILLING CODE 6714–01–P Parties: Crowley Caribbean Services,
otherwise available, on the size and
LLC and King Ocean Services Limited,
characteristics of the population that is
Inc.
unbanked or underbanked, the use by
FEDERAL MARITIME COMMISSION Filing Party: Wayne Rohde; Cozen
this population of alternative financial
O’Connor; 1200 19th Street NW.,
services, and the reasons why some Notice of Agreements Filed Washington, DC 20036.
households do not make greater use of
mainstream banking services. The The Commission hereby gives notice Synopsis: The Agreement authorizes
National Survey of Unbanked and of the filing of the following agreements Crowley to charter space to King Ocean
Underbanked Households is the only under the Shipping Act of 1984. in the trade from the U.S. East Coast to
population-representative survey Interested parties may submit comments Guyana, Surinam and Trinidad, and
conducted at the national level that on the agreements to the Secretary, authorizes King Ocean to charter space
provides state-level estimates of the size Federal Maritime Commission, to Crowley in the trade from the U.S.
and characteristics of unbanked and Washington, DC 20573, within twelve East Coast to St. Maarten, St. Lucia and
underbanked households for all 50 days of the date this notice appears in Barbados. It also authorizes the parties
states and the District of Columbia. An the Federal Register. Copies of the to charter space to each other on an ‘‘as
executive summary of the results of the agreements are available through the needed/as available’’ basis for the
previous Household Surveys, the full Commission’s Web site (www.fmc.gov) northbound movement of empty
reports, and the survey questionnaires or by contacting the Office of containers.
can be accessed through the following Agreements at (202)–523–5793 or By Order of the Federal Maritime
link: http:// tradeanalysis@fmc.gov. Commission.
www.economicinclusion.gov/surveys. Agreement No.: 011346–025. Dated: February 3, 2017.
Consistent with the statutory mandate Title: Israel Carrier Association. Rachel E. Dickon,
to conduct the surveys on an ongoing Parties: Maersk Line A/S and ZIM Assistant Secretary.
basis, the FDIC already has in place Integrated Shipping Services, Ltd. [FR Doc. 2017–02590 Filed 2–7–17; 8:45 am]
arrangements for conducting the fourth Filing Party: Wayne Rohde; Cozen BILLING CODE 6731–AA–P
Household Survey as a supplement to O’Connor; 1200 19th Street NW.,
the June 2017 CPS. However, prior to Washington, DC 20036.
finalizing the next survey questionnaire, Synopsis: The amendment deletes
the FDIC seeks to solicit public FEDERAL MINE SAFETY AND HEALTH
American President Lines, Ltd. as a REVIEW COMMISSION
comment on whether changes to the party to the agreement.
existing instrument are desirable and, if Sunshine Act Meeting Notice
so, to what extent. It should be noted Agreement No.: 012457.
that, as a supplement of the CPS survey, Title: Siem Car Carriers AS/‘‘K’’ Line
Space Charter Agreement. TIME AND DATE: 11:00 a.m., Thursday,
the Household Survey needs to adhere February 16, 2017.
to specific parameters that include Parties: The China Navigation
Company Pte Ltd. and Kyowa Shipping PLACE: The Richard V. Backley Hearing
limits in the length and sensitivity of Room, Room 511N, 1331 Pennsylvania
the questions that can be asked of CPS Co., Ltd.
Filing Party: Ashley W. Craig; Venable Avenue NW., Washington, DC 20004
respondents. Specifically, there is a (enter from F Street entrance).
strict limitation on the number of LLP; 575 Seventh Street NW.,
questions permitted and the average Washington, DC 20004. STATUS: Open.
time required to complete the survey. Synopsis: The Agreement authorizes MATTERS TO BE CONSIDERED: The
Siem Car Carriers AS and K Line to Commission will consider and act upon
Request for Comment charter space to each other in the trades the following in open session: Secretary
Comments are invited on: (a) Whether between the U.S. on the one hand, and of Labor v. John Richards Construction,
the collections of information are ports in China, Japan, South Korea, Docket Nos. WEST 2014–440, et al.
asabaliauskas on DSK3SPTVN1PROD with NOTICES

necessary for the proper performance of Thailand, Mexico, and Germany on the (Issues include whether the Judge erred
the FDIC’s functions, including whether other hand. in concluding that the operator had
the information has practical utility; (b) Agreement No.: 012458. violated the Mine Safety and Health Act
the accuracy of the estimates of the Title: CNCo/Kyowa Space Charter by denying an inspector access to a
burden of the information collections, Agreement (Korea, Guam and Saipan). mine for inspection purposes.)
including the validity of the Parties: The China Navigation Any person attending this meeting
methodology and assumptions used; (c) Company Pte Ltd. and Kyowa Shipping who requires special accessibility
ways to enhance the quality, utility, and Co., Ltd. features and/or auxiliary aids, such as

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Document Created: 2017-02-08 02:58:49
Document Modified: 2017-02-08 02:58:49

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 and request for comment.
Dates		Comments must be submitted on or before March 10, 2017.
FR Citation		82 FR 9741