83 FR 15131 - Request for Information Regarding Bureau Financial Education Programs
BUREAU OF CONSUMER FINANCIAL PROTECTION Federal Register Volume 83, Issue 68 (April 9, 2018)
Federal Register Volume 83, Issue 68 (April 9, 2018)
| Page Range | 15131-15133 | |
| FR Document | 2018-07222 |
[Federal Register Volume 83, Number 68 (Monday, April 9, 2018)] [Notices] [Pages 15131-15133] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2018-07222] ======================================================================= ----------------------------------------------------------------------- BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No. CFPB-2018-0015] Request for Information Regarding Bureau Financial Education Programs AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice and request for information. ----------------------------------------------------------------------- SUMMARY: The Bureau of Consumer Financial Protection (Bureau) is seeking comments and information from interested parties to assist the Bureau in assessing the overall efficiency and effectiveness of its consumer financial education programs. DATES: Comments must be received by July 9, 2018. ADDRESSES: You may submit responsive information and other comments, identified by Docket No. CFPB-2018-0015, by any of the following methods:Electronic: Go to http://www.regulations.gov. Follow the instructions for submitting comments. Email: [email protected]. Include Docket No. CFPB-2018-0015 in the subject line of the message. Mail: Comment Intake, Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. Hand Delivery/Courier: Comment Intake, Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. Instructions: The Bureau encourages the early submission of comments. All submissions must include the document title and docket number. Please note the number of the question on which you are commenting at the top of each response (you do not need to answer all questions). Because paper mail in the Washington, DC area and at the Bureau is subject to delay, commenters are encouraged to submit comments electronically. In general, all comments received will be posted without change to http://www.regulations.gov. In addition, comments will be available for public inspection and copying at 1700 G St NW, Washington, DC 20552, on official business days between the hours of 10 a.m. and 5 p.m. eastern standard time. You can make an appointment to inspect the documents by telephoning 202-435-7275. All submissions in response to this request for information, including attachments and other supporting materials, will become part of the public record and subject to public disclosure. Sensitive personal information, such as account numbers or Social Security numbers, or names of other individuals, should not be included. Submissions will not be edited to remove any identifying or contact information. FOR FURTHER INFORMATION CONTACT: Davida Farrar, Counsel, Consumer Education and Engagement Division, at 202-435-9523, or Katherine Gillespie, Deputy Associate Director, Consumer Education and Engagement Division, at 202-435-7847. If you require this document in an alternative electronic format, please contact [email protected]. SUPPLEMENTARY INFORMATION: The Consumer Financial Protection Act of 2010 (Act) lists ``conducting financial education programs'' as one of six primary functions of the Bureau.\1\ One [[Page 15132]] of the Bureau's statutory objectives under the Act is to ensure that, with respect to consumer financial products and services, ``consumers are provided with timely and understandable information to make responsible decisions about financial transactions.'' \2\ The Act directs the Bureau to develop and implement ``initiatives intended to educate and empower consumers to make better informed financial decisions.'' \3\ The Act also directs the Bureau to develop and implement a strategy to improve consumers' financial literacy by, among other things, providing opportunities for consumers to access information and resources related to a range of financial topics including credit products, histories, and scores; savings, borrowing and other services found at mainstream financial institutions; preparing for major purchases such as education; debt reduction; improving the consumer's financial situation; the development of long- term savings strategies; and wealth-building.\4\ Pursuant to the Act, the Bureau develops programs to serve the general public,\5\ as well as specific populations, including servicemembers, veterans and their families,\6\ older Americans,\7\ students,\8\ and traditionally underserved consumers.\9\ --------------------------------------------------------------------------- \1\ 12 U.S.C. 5511(c)(1). \2\ 12 U.S.C. 5511(b)(1). \3\ 12 U.S.C. 5493(d)(1). \4\ 12 U.S.C. 5493(d)(2)(B)-(F). \5\ 12 U.S.C. 5493(d)(1). \6\ 12 U.S.C. 5493(e)(1)(A). \7\ 12 U.S.C. 5493(g)(1). \8\ 12 U.S.C. 5535(a); 5493(d)(2)(D)(i). \9\ 12 U.S.C. 5493(b)(2). --------------------------------------------------------------------------- The Bureau conducts various financial education programs covering a range of financial topics. Currently, the Bureau offers information directly to Americans through the Bureau's website and indirectly through community channels, such as libraries and social service agencies. The topics covered on the Bureau's website and through its print publications include mortgages, credit reporting, student loans, debt collection, and bank accounts. The Bureau has also created guides for specific financial decisions, including Buying a House,\10\ Paying for College,\11\ and Planning for Retirement.\12\ The Bureau also focuses on providing information to specific audiences, including older Americans, families, students and servicemembers. The Bureau also provides financial educators with tools, research, webinars, training, and tips on delivering financial education and on ways to measure and increase the financial well-being of the people served through financial education. The Bureau has contracted with outside entities to support specific elements of the Bureau's financial education work. --------------------------------------------------------------------------- \10\ https://www.consumerfinance.gov/owning-a-home/. \11\ https://www.consumerfinance.gov/paying-for-college/. \12\ https://www.consumerfinance.gov/consumer-tools/retirement/. --------------------------------------------------------------------------- The Bureau uses various metrics to measure the reach and effectiveness of its financial education work, including the number of consumers and financial educators using the Bureau's information and tools, qualitative user feedback, increased understanding of certain topics, and user satisfaction ratings. The Bureau has also developed an evidence-based scale to measure financial well-being as an outcome of financial education programs.\13\ The Bureau has used this scale to conduct a National Financial Well-being Survey.\14\ The scale and underlying research are also available for financial educators to use as they measure their own programs. --------------------------------------------------------------------------- \13\ https://www.consumerfinance.gov/data-research/research-reports/financial-well-being-scale/. \14\ https://www.consumerfinance.gov/data-research/financial-well-being-survey-data/. --------------------------------------------------------------------------- The Bureau is a member of the federal Financial Literacy and Education Commission (FLEC), and the Bureau's Director is the Vice- Chair of FLEC. The Bureau has coordinated with other Federal agencies to deliver financial education, such as cooperating with the Federal Deposit Insurance Corporation (FDIC) to create Money Smart for Older Adults. Overview of This Request for Information The Bureau is using this request for information to seek public input regarding the efficiency and effectiveness of the Bureau's financial education programs, including its focus on various topics, programs, delivery channels and methods, the use of technology, and the use of the procurement process to support its work. The Bureau encourages comments from all interested members of the public. The Bureau anticipates that the responding public may include individual consumers, financial educators, members of industry, consumer advocates, researchers or members of academia, state and local officials, and others. This RFI is not the vehicle to express interest in contracting with the Bureau. Additionally, the Bureau does not provide grants. Questions for Commenters The Bureau requests that, where possible, comments include specific suggestions regarding ways to: Improve the Bureau's existing programs and delivery mechanisms; Better measure and evaluate the effectiveness of the Bureau's financial education work; and Eliminate or minimize the duplication of the Bureau's financial education work with work performed by other entities, including federal, state, and local agencies. The following list of general questions represents a preliminary attempt by the Bureau to identify elements of Bureau financial education programs that are of the greatest interest to the public. This non-exhaustive list is meant to assist in the formulation of comments and is not intended to restrict the issues that may be addressed. Please feel free to comment on some or all of the questions below, but please be sure to indicate on which area you are commenting. The Bureau is seeking feedback on all aspects of its consumer financial education programs, including but not limited to the following topics: 1. The Bureau's focus on specific financial education topics and delivery channels, and use of technology and contractors. a. Are the Bureau's financial education programs focusing on the right topics and areas to educate and empower consumers to make better informed financial decisions? b. What financial education topics should the Bureau address? c. What delivery channels should the Bureau use to conduct financial education programs? d. What technologies should the Bureau use to provide financial education? e. How should the Bureau use contractors in its financial education work? f. Should the Bureau's financial education work focus on other populations or audiences, in addition to the general population and those specific populations referenced in the statute? 2. Measuring the effectiveness of the Bureau's financial education programs. a. How should the Bureau measure the success of its financial education programs? b. How should the Bureau measure return on investment of financial education programs? c. How should the Bureau measure the benefit of its financial education work? Should the measures vary depending on the type of education, the topic, or the delivery channel? [[Page 15133]] d. Is there one set of metrics for program effectiveness that the Bureau could use across its financial education programs, or should it use different metrics depending on the type of program and delivery method (e.g., online versus through a community channel)? e. How can the Bureau's financial well-being scale be used to measure the effectiveness of financial education programs? f. Should the Bureau consider adopting any measures of success for financial education that are used by others? What are those measures? 3. Avoiding duplication in financial education between the Bureau and other federal agencies or other entities. a. Are there programs at other federal agencies that are similar to the Bureau's programs? Are these programs or aspects of these programs more or less effective than the Bureau's? If so, how and why? b. Are there ways to improve coordination in financial education activities between the Bureau and other agencies? 4. Are there other perspectives or information that will assist the Bureau in its financial education work? Authority: 12 U.S.C. 5511(c). Dated: April 3, 2018. Mick Mulvaney, Acting Director, Bureau of Consumer Financial Protection. [FR Doc. 2018-07222 Filed 4-6-18; 8:45 am] BILLING CODE 4810-AM-P
![Federal Register / Vol. 83, No. 68 / Monday, April 9, 2018 / Notices 15131
the intermediate company or companies reimbursement of antidumping duties ADDRESSES: You may submit responsive
involved in the transaction. The all- occurred and the subsequent assessment information and other comments,
others rate is 2.10 percent.14 of double antidumping duties. identified by Docket No. CFPB–2018–
The final results of this review shall We are issuing and publishing these 0015, by any of the following methods:
be the basis for the assessment of results in accordance with sections • Electronic: Go to http://
antidumping duties on entries of 751(a)(1) and 777(i)(1) of the Act and 19 www.regulations.gov. Follow the
merchandise covered by the final results CFR 351.213(h)(1). instructions for submitting comments.
of this review and for future deposits of Dated: April 3, 2018. • Email: FederalRegisterComments@
estimated duties, where applicable.15 Gary Taverman, cfpb.gov. Include Docket No. CFPB–
We intend to issue liquidation 2018–0015 in the subject line of the
Deputy Assistant Secretary for Antidumping
instructions to CBP 15 days after and Countervailing Duty Operations, message.
publication of the final results of this performing the non-exclusive functions and • Mail: Comment Intake, Consumer
review. duties of the Assistant Secretary for Financial Protection Bureau, 1700 G
Cash Deposit Requirements Enforcement and Compliance. Street NW, Washington, DC 20552.
• Hand Delivery/Courier: Comment
The following deposit requirements Appendix
Intake, Consumer Financial Protection
will be effective for all shipments of the List of Topics Discussed in the Bureau, 1700 G Street NW, Washington,
subject merchandise entered, or Preliminary Decision Memorandum DC 20552.
withdrawn from warehouse, for Instructions: The Bureau encourages
1. Summary
consumption on or after the publication 2. Background the early submission of comments. All
date of the final results of this 3. Scope of the Order submissions must include the document
administrative review, as provided by 4. Affiliation and Collapsing title and docket number. Please note the
section 751(a)(2)(C) of the Act: (1) The a. Legal Framework number of the question on which you
cash deposit rate for APRIL will be that b. Affiliation and Single Entity Analysis are commenting at the top of each
established in the final results of this 5. Discussion of the Methodology response (you do not need to answer all
review, except if the rate is less than a. Normal Value Comparisons
b. Determination of Comparison Method questions). Because paper mail in the
0.50 percent and, therefore, de minimis Washington, DC area and at the Bureau
c. Results of Differential Pricing Analysis
within the meaning of 19 CFR d. Product Comparisons is subject to delay, commenters are
351.106(c)(1), in which case the cash e. Date of Sale encouraged to submit comments
deposit rate will be zero; (2) for f. Export Price electronically. In general, all comments
previously investigated companies not g. Duty Drawback received will be posted without change
participating in this review, the cash h. Normal Value to http://www.regulations.gov. In
deposit will continue to be the i. Home Market Viability and Comparison addition, comments will be available for
company-specific rate published for the Market
ii. Level of Trade public inspection and copying at 1700
most recently completed segment; (3) if G St NW, Washington, DC 20552, on
iii. Cost of Production Analysis
the exporter is not a firm covered in this 1. Calculation of Cost of Production official business days between the hours
review, or the original less-than-fair- 2. Test of Comparison Market Sales Prices of 10 a.m. and 5 p.m. eastern standard
value (LTFV) investigation, but the 3. Results of the COP Test time. You can make an appointment to
manufacturer is, the cash deposit rate iv. Calculation of Normal Value Based on inspect the documents by telephoning
will be the rate established for the most Comparison Market Prices 202–435–7275.
recent segment for the manufacturer of v. Calculation of Normal Value Based on All submissions in response to this
the merchandise; and 4) the cash Constructed Value
6. Currency Conversion
request for information, including
deposit rate for all other manufacturers attachments and other supporting
7. Recommendation
or exporters will continue to be 2.10 materials, will become part of the public
percent, the all-others rate made [FR Doc. 2018–07193 Filed 4–6–18; 8:45 am]
record and subject to public disclosure.
effective by the LTFV investigation.16 BILLING CODE 3510–DS–P
Sensitive personal information, such as
These deposit requirements, when account numbers or Social Security
imposed, shall remain in effect until numbers, or names of other individuals,
further notice. BUREAU OF CONSUMER FINANCIAL should not be included. Submissions
PROTECTION will not be edited to remove any
Notification to Importers
[Docket No. CFPB–2018–0015] identifying or contact information.
This notice also serves as a
FOR FURTHER INFORMATION CONTACT:
preliminary reminder to importers of Request for Information Regarding
their responsibility under 19 CFR Davida Farrar, Counsel, Consumer
Bureau Financial Education Programs Education and Engagement Division, at
351.402(f) to file a certificate regarding
the reimbursement of antidumping AGENCY: Bureau of Consumer Financial 202–435–9523, or Katherine Gillespie,
duties prior to liquidation of the Protection. Deputy Associate Director, Consumer
relevant entries during this review ACTION: Notice and request for
Education and Engagement Division, at
period. Failure to comply with this information. 202–435–7847. If you require this
requirement could result in the document in an alternative electronic
Secretary’s presumption that SUMMARY: The Bureau of Consumer format, please contact CFPB_
Financial Protection (Bureau) is seeking Accessibility@cfpb.gov.
sradovich on DSK3GMQ082PROD with NOTICES
14 See Certain Uncoated Paper from Australia, comments and information from SUPPLEMENTARY INFORMATION: The
Brazil, Indonesia, the People’s Republic of China, interested parties to assist the Bureau in Consumer Financial Protection Act of
and Portugal: Amended Final Affirmative assessing the overall efficiency and 2010 (Act) lists ‘‘conducting financial
Antidumping Determinations for Brazil and effectiveness of its consumer financial
Indonesia and Antidumping Duty Orders, 81 FR education programs’’ as one of six
11174 (March 3, 2016) (Order). education programs. primary functions of the Bureau.1 One
15 See section 751(a)(2)(C) of the Act. DATES: Comments must be received by
16 See Order, 81 FR at 11174. July 9, 2018. 1 12 U.S.C. 5511(c)(1).
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![Federal Register / Vol. 83, No. 68 / Monday, April 9, 2018 / Notices 15133
d. Is there one set of metrics for proposed information collection; ways Number of Respondents: 150.
program effectiveness that the Bureau to enhance the quality, utility, and Responses per Respondent: 10.
could use across its financial education clarity of the information to be Annual Responses: 1,500.
programs, or should it use different collected; and ways to minimize the Average Burden per Response: 15
metrics depending on the type of burden of the information collection on minutes.
program and delivery method (e.g., respondents, including through the use Frequency: On occasion.
online versus through a community of automated collection techniques or The DD Form 2088 is used to verify
channel)? other forms of information technology. the professional and ecclesiastical
e. How can the Bureau’s financial qualifications of Religious Ministry
DATES: Consideration will be given to all
well-being scale be used to measure the Professionals for initial appointment or
comments received by June 8, 2018. a chaplain’s change of career status
effectiveness of financial education ADDRESSES: You may submit comments,
programs? appointments as chaplains in the
identified by docket number and title, Military Service. This form is an
f. Should the Bureau consider by any of the following methods:
adopting any measures of success for essential element of a chaplain’s
• Federal eRulemaking Portal: http:// professional qualifications and will
financial education that are used by www.regulations.gov. Follow the
others? What are those measures? become a part of a chaplain’s military
instructions for submitting comments. personnel record. DoD listed endorsing
3. Avoiding duplication in financial • Mail: Department of Defense, Office
education between the Bureau and other agents utilize the form to endorse
of the Chief Management Officer, military chaplains representing their
federal agencies or other entities. Directorate for Oversight and
a. Are there programs at other federal organizations.
Compliance, 4800 Mark Center Drive,
agencies that are similar to the Bureau’s Dated: April 4, 2018.
Mailbox #24 Suite 08D09B, Alexandria,
programs? Are these programs or VA 22350–1700. Shelly E. Finke,
aspects of these programs more or less Instructions: All submissions received Alternate OSD Federal Register, Liaison
effective than the Bureau’s? If so, how must include the agency name, docket Officer, Department of Defense.
and why? number and title for this Federal [FR Doc. 2018–07148 Filed 4–6–18; 8:45 am]
b. Are there ways to improve Register document. The general policy BILLING CODE 5001–06–P
coordination in financial education for comments and other submissions
activities between the Bureau and other from members of the public is to make
agencies? these submissions available for public DEPARTMENT OF EDUCATION
4. Are there other perspectives or viewing on the internet at http://
information that will assist the Bureau www.regulations.gov as they are National Advisory Committee on
in its financial education work? received without change, including any Institutional Quality Integrity; Meeting
Authority: 12 U.S.C. 5511(c). personal identifiers or contact AGENCY: National Advisory Committee
Dated: April 3, 2018. information. on Institutional Quality and Integrity
Mick Mulvaney, Any associated form(s) for this (NACIQI), Office of Postsecondary
collection may be located within this Education, U.S. Department of
Acting Director, Bureau of Consumer
Financial Protection. same electronic docket and downloaded Education.
for review/testing. Follow the ACTION: Announcement of an open
[FR Doc. 2018–07222 Filed 4–6–18; 8:45 am]
instructions at http:// meeting.
BILLING CODE 4810–AM–P
www.regulations.gov for submitting
comments. Please submit comments on SUMMARY: This notice sets forth the
any given form identified by docket agenda, time, and location for the May
DEPARTMENT OF DEFENSE number, form number, and title. 22–24, 2018 meeting of the National
FOR FURTHER INFORMATION CONTACT: To Advisory Committee on Institutional
Office of the Secretary Quality and Integrity (NACIQI), and
request more information on this
[Docket ID: DoD–2018–OS–0018] proposed information collection or to provides information to members of the
obtain a copy of the proposal and public regarding the meeting, including
Proposed Collection; Comment requesting to make oral comments. The
associated collection instruments,
Request notice of this meeting is required under
please write to the Executive Director of
AGENCY: Office of the Under Secretary of the Armed Forces Chaplains Board, § 10(a)(2) of the Federal Advisory
Defense for Personnel and Readiness, USD P&R (MPP) AFCB, 4000 Defense Committee Act (FACA) and
DoD. Pentagon, Room 2D580, Washington, DC § 114(d)(1)(B) of the Higher Education
20301–4000, or call the Office of the Act (HEA) of 1965, as amended.
ACTION: Information collection notice.
Executive Director of the Armed Forces DATES: The NACIQI meeting will be
SUMMARY: In compliance with the Chaplains Board at 703–697–9015. held on May 22, 23, and 24, 2018, each
Paperwork Reduction Act of 1995, the SUPPLEMENTARY INFORMATION:
day from 8:30 a.m. to 5:30 p.m.
Office of the Deputy Assistant Secretary Title; Associated Form; and OMB ADDRESSES: Double Tree by Hilton
of Defense for Military Personnel Policy Number: Appointment of Chaplains for Washington DC Crystal City,
announces a proposed public the Military Services; DD Form 2088; Washington Ballroom, 300 Army Navy
information collection and seeks public OMB Control Number 0704–0190. Drive, Arlington, VA 22202
comment on the provisions thereof.
sradovich on DSK3GMQ082PROD with NOTICES
Needs and Uses: This information FOR FURTHER INFORMATION CONTACT:
Comments are invited on: Whether the collection is necessary to provide Jennifer Hong, Executive Director/
proposed collection of information is certification that a Religious Ministry Designated Federal Official, NACIQI,
necessary for the proper performance of Professional is professionally qualified U.S. Department of Education, 400
the functions of the agency, including to become a chaplain. Maryland Avenue SW, Room 271–03,
whether the information shall have Affected Public: Not-For-Profit Washington, DC 20202, telephone: (202)
practical utility; the accuracy of the Institutions. 453–7805, or email: Jennifer.Hong@
agency’s estimate of the burden of the Annual Burden Hours: 375. ed.gov.
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Document Created: 2018-04-07 02:39:14
Document Modified: 2018-04-07 02:39:14
| 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 information. | |
| Dates | Comments must be received by July 9, 2018. | |
| Contact | Davida Farrar, Counsel, Consumer Education and Engagement Division, at 202-435-9523, or Katherine Gillespie, Deputy Associate Director, Consumer Education and Engagement Division, at 202-435-7847. If you require this document in an alternative electronic format, please contact [email protected] | |
| FR Citation | 83 FR 15131 |
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