82_FR_9766 82 FR 9741 - Agency Information Collection Activities: Submission for OMB Review; National Survey of Unbanked and Underbanked Households (3064-0167); Comment Request

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 Range9741-9742
FR Document2017-02593

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
CategoryRegulatory Information
CollectionFederal Register
sudoc ClassAE 2.7:
GS 4.107:
AE 2.106:
PublisherOffice of the Federal Register, National Archives and Records Administration
SectionNotices
ActionNotice and request for comment.
DatesComments must be submitted on or before March 10, 2017.
FR Citation82 FR 9741 

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