83_FR_45281 83 FR 45109 - Agency Information Collection Activities: Comment Request

83 FR 45109 - Agency Information Collection Activities: Comment Request

BUREAU OF CONSUMER FINANCIAL PROTECTION

Federal Register Volume 83, Issue 172 (September 5, 2018)

Page Range45109-45110
FR Document2018-19156

In accordance with the Paperwork Reduction Act of 1995 (PRA), the Bureau of Consumer Financial Protection (Bureau) is requesting to renew the Office of Management and Budget (OMB) approval for an existing information collection titled, ``Mortgage Acts And Practices (Regulation N) 12 CFR 1014''.

Federal Register, Volume 83 Issue 172 (Wednesday, September 5, 2018) 
[Federal Register Volume 83, Number 172 (Wednesday, September 5, 2018)]
[Notices]
[Pages 45109-45110]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2018-19156]


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BUREAU OF CONSUMER FINANCIAL PROTECTION

[Docket No. CFPB-2018-0029]


Agency Information Collection Activities: Comment Request

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Notice and request for comment.

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SUMMARY: In accordance with the Paperwork Reduction Act of 1995 (PRA), 
the Bureau of Consumer Financial Protection (Bureau) is requesting to 
renew the Office of Management and Budget (OMB) approval for an 
existing information collection titled, ``Mortgage Acts And Practices 
(Regulation N) 12 CFR 1014''.

DATES: Written comments are encouraged and must be received on or 
before November 5, 2018 to be assured of consideration.

ADDRESSES: You may submit comments, identified by the title of the 
information collection, OMB Control Number (see below), and docket 
number (see above), 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-2018-0029 in the subject line of the message.
     Mail: Comment intake, Bureau of Consumer Financial 
Protection (Attention: PRA Office), 1700 G Street NW, Washington, DC 
20552.
     Hand Delivery/Courier: Comment intake, Bureau of Consumer 
Financial Protection (Attention: PRA Office), 1700 G Street NW, 
Washington, DC 20552.
    Please note that comments submitted after the comment period will 
not be accepted. In general, all comments received will become public 
records, including any personal information provided. Sensitive 
personal information, such as account numbers or Social Security 
numbers, should not be included.

FOR FURTHER INFORMATION CONTACT: Documentation prepared in support of 
this information collection request is available at 
www.regulations.gov. Requests for additional information should be 
directed to the Bureau of Consumer Financial Protection (Attention: PRA 
Office), 1700 G Street NW, Washington, DC 20552, (202) 435-9575, or 
email: [email protected]. If you require this document in an 
alternative electronic format, please contact 
[email protected]. Please do not submit comments to these 
email boxes.

SUPPLEMENTARY INFORMATION:
    Title of Collection: Mortgage Acts And Practices (Regulation N) 12 
CFR 1014.
    OMB Control Number: 3170-0009.
    Type of Review: Extension without Change of an existing information 
Collection.

[[Page 45110]]

    Affected Public: Businesses and other for-profit entities.
    Estimated Number of Respondents: 483.
    Estimated Total Annual Burden Hours: 242.
    Abstract: Regulation N (12 CFR 1014), prohibits misrepresentations 
about the terms of mortgage credit products in commercial 
communications and requires that covered persons keep certain related 
records for a period of twenty-four (24) months from last 
dissemination. The information that Regulation N requires covered 
persons to retain is necessary to ensure efficient and effective law 
enforcement to address deceptive practices that occur in the mortgage 
advertising area. The Bureau is not proposing any new or revised 
collections of information pursuant to this request.
    Request for Comments: Comments are invited on: (a) Whether the 
collection of information is necessary for the proper performance of 
the functions of the Bureau, including whether the information will 
have practical utility; (b) The accuracy of the Bureau's estimate of 
the burden of the collection of information, including the validity of 
the methods and the 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 collection of information on respondents, 
including through the use of automated collection techniques or other 
forms of information technology. Comments submitted in response to this 
notice will be summarized and/or included in the request for OMB 
approval. All comments will become a matter of public record.

    Dated: August 28, 2018.
Darrin A. King,
Paperwork Reduction Act Officer, Bureau of Consumer Financial 
Protection.
[FR Doc. 2018-19156 Filed 9-4-18; 8:45 am]
 BILLING CODE 4810-AM-P

Federal Register / Vol. 83, No. 172 / Wednesday, September 5, 2018 / Notices 45109 beyond 12 months, if needed. These Redemption Period of the Humanitarian Survey, published by the Commerce on estimated times include gathering the Awards Certificate and that attorneys or the Economics of Legal Practice of the necessary information, preparing the paralegals will complete the American Intellectual Property Law application and any supplemental Humanitarian Program Application Association. The professional hourly materials, and submitting the completed Form. The USPTO uses a professional rate for paralegals is $145, as established request to USPTO. hourly rate of $291.50 for respondent in the 2016 National Utilization and Estimated Total Annual Respondent cost burden, which is the average rate of Compensation Survey Report, published Cost Burden: 205 hours. both attorneys and paralegals. The by the National Association of Legal Estimated Total Annual Respondent professional hourly rate for an Assistants (NALA). Using the combined (Hourly) Cost Burden: $59,757.50. The intellectual property attorney in a hourly rate, the USPTO estimates that USPTO expects that attorneys will private firm is $438, as established in the total respondent cost burden for this complete the Petition to Extend the the 2017 Report on the Economic collection is $59,757.50 per year. Estimated Estimated response Estimated annual Estimated IC No. Item Rate time response burden total cost (hours) hours (a) (b) (a) × (b) = (c) (d) (c) × (d) = (e) 1 ..................... Humanitarian Program Application 4 25 100 $291.50 $29,150.00 (Humanitarian Use) (PTO/PFH/001). 1 ..................... Humanitarian Program Application 4 25 100 291.50 29,150.00 (Humanitarian Research) (PTO/ PFH/002). 2 ..................... Petition to Extend the Redemption Pe- 1 5 5 291.50 1,457.50 riod of the Humanitarian Awards Certificate (PTO/SB/431). Total ........ .............................................................. ........................ 55 205 ........................ 59,757.50 Estimated Total Annual (Non-hour) BUREAU OF CONSUMER FINANCIAL (Attention: PRA Office), 1700 G Street Respondent Cost Burden: $0. This PROTECTION NW, Washington, DC 20552. collection has no annual (non-hour) [Docket No. CFPB–2018–0029] • Hand Delivery/Courier: Comment postage, operation, maintenance, or intake, Bureau of Consumer Financial filing fee costs. Agency Information Collection Protection (Attention: PRA Office), 1700 IV. Request for Comments Activities: Comment Request G Street NW, Washington, DC 20552. Please note that comments submitted Comments submitted in response to AGENCY: Bureau of Consumer Financial after the comment period will not be this notice will be summarized or Protection. accepted. In general, all comments included in the request for OMB ACTION: Notice and request for comment. received will become public records, approval of this information collection; including any personal information they also will become a matter of public SUMMARY: In accordance with the provided. Sensitive personal record. Paperwork Reduction Act of 1995 information, such as account numbers Comments are invited on: (PRA), the Bureau of Consumer or Social Security numbers, should not (a) Whether the proposed collection of Financial Protection (Bureau) is be included. information is necessary for the proper requesting to renew the Office of Management and Budget (OMB) FOR FURTHER INFORMATION CONTACT: performance of the functions of the Documentation prepared in support of agency, including whether the approval for an existing information collection titled, ‘‘Mortgage Acts And this information collection request is information shall have practical utility; available at www.regulations.gov. Practices (Regulation N) 12 CFR 1014’’. (b) The accuracy of the agency’s Requests for additional information estimate of the burden (including hours DATES: Written comments are should be directed to the Bureau of and cost) of the proposed collection of encouraged and must be received on or Consumer Financial Protection information; before November 5, 2018 to be assured (Attention: PRA Office), 1700 G Street of consideration. (c) Ways to enhance the quality, NW, Washington, DC 20552, (202) 435– utility, and clarity of the information to ADDRESSES: You may submit comments, 9575, or email: CFPB_PRA@cfpb.gov. If be collected; and identified by the title of the information you require this document in an (d) Ways to minimize the burden of collection, OMB Control Number (see alternative electronic format, please the collection of information on below), and docket number (see above), contact CFPB_Accessibility@cfpb.gov. respondents, e.g., the use of automated by any of the following methods: Please do not submit comments to these collection techniques or other forms of • Electronic: Go to http:// email boxes. information technology. www.regulations.gov. Follow the daltland on DSKBBV9HB2PROD with NOTICES instructions for submitting comments. SUPPLEMENTARY INFORMATION: Marcie Lovett, • Email: FederalRegisterComments@ Title of Collection: Mortgage Acts And Records and Information Governance cfpb.gov. Include Docket No. CFPB– Practices (Regulation N) 12 CFR 1014. Division Director, OCTO, United States Patent 2018–0029 in the subject line of the OMB Control Number: 3170–0009. and Trademark Office. message. Type of Review: Extension without [FR Doc. 2018–19201 Filed 9–4–18; 8:45 am] • Mail: Comment intake, Bureau of Change of an existing information BILLING CODE 3510–16–P Consumer Financial Protection Collection. VerDate Sep<11>2014 17:04 Sep 04, 2018 Jkt 244001 PO 00000 Frm 00022 Fmt 4703 Sfmt 4703 E:\FR\FM\05SEN1.SGM 05SEN1

45110 Federal Register / Vol. 83, No. 172 / Wednesday, September 5, 2018 / Notices Affected Public: Businesses and other requesting to renew the Office of Leasing Act, 15 U.S.C. 1667 et seq. for-profit entities. Management and Budget (OMB) (CLA) and Regulation M, 12 CFR 1013, Estimated Number of Respondents: approval for an existing information for information to comparison shop 483. collection titled, ‘‘Consumer Leasing among leases, as well as to ascertain the Estimated Total Annual Burden Act (Regulation M) 12 CFR 1013.’’ true costs and terms of lease offers. Hours: 242. DATES: Written comments are Federal and State enforcement and Abstract: Regulation N (12 CFR 1014), encouraged and must be received on or private litigants use the records to prohibits misrepresentations about the before November 5, 2018 to be assured ascertain whether accurate and terms of mortgage credit products in of consideration. complete disclosures of the cost of commercial communications and ADDRESSES: You may submit comments, leases have been provided to consumers requires that covered persons keep identified by the title of the information prior to consummation of the lease. This certain related records for a period of collection, OMB Control Number (see information provides the primary twenty-four (24) months from last below), and docket number (see above), evidence of law violations in CLA dissemination. The information that by any of the following methods: enforcement actions brought by Federal Regulation N requires covered persons • Electronic: Go to http:// agencies. Without Regulation M’s to retain is necessary to ensure efficient www.regulations.gov. Follow the recordkeeping requirement, the and effective law enforcement to instructions for submitting comments. agencies’ ability to enforce the CLA address deceptive practices that occur • Email: FederalRegisterComments@ would be significantly impaired. in the mortgage advertising area. The cfpb.gov. Include Docket No. CFPB– Request for Comments: Comments are Bureau is not proposing any new or 2018–0030 in the subject line of the invited on: (a) Whether the collection of revised collections of information message. information is necessary for the proper pursuant to this request. • Mail: Comment intake, Bureau of performance of the functions of the Request for Comments: Comments are Consumer Financial Protection Bureau, including whether the invited on: (a) Whether the collection of (Attention: PRA Office), 1700 G Street information will have practical utility; information is necessary for the proper NW, Washington, DC 20552. (b) The accuracy of the Bureau’s performance of the functions of the • Hand Delivery/Courier: Comment estimate of the burden of the collection Bureau, including whether the intake, Bureau of Consumer Financial of information, including the validity of information will have practical utility; Protection (Attention: PRA Office), 1700 the methods and the assumptions used; (b) The accuracy of the Bureau’s G Street NW, Washington, DC 20552. (c) Ways to enhance the quality, utility, estimate of the burden of the collection Please note that comments submitted and clarity of the information to be of information, including the validity of after the comment period will not be collected; and (d) Ways to minimize the the methods and the assumptions used; accepted. In general, all comments burden of the collection of information (c) Ways to enhance the quality, utility, received will become public records, on respondents, including through the and clarity of the information to be including any personal information use of automated collection techniques collected; and (d) Ways to minimize the provided. Sensitive personal or other forms of information burden of the collection of information information, such as account numbers technology. Comments submitted in on respondents, including through the or Social Security numbers, should not response to this notice will be use of automated collection techniques be included. summarized and/or included in the or other forms of information FOR FURTHER INFORMATION CONTACT: request for OMB approval. All technology. Comments submitted in Documentation prepared in support of comments will become a matter of response to this notice will be this information collection request is public record. summarized and/or included in the available at www.regulations.gov. Dated: August 28, 2018. request for OMB approval. All Requests for additional information Darrin A. King, comments will become a matter of should be directed to the Bureau of Paperwork Reduction Act Officer, Bureau of public record. Consumer Financial Protection, Consumer Financial Protection. Dated: August 28, 2018. (Attention: PRA Office), 1700 G Street [FR Doc. 2018–19160 Filed 9–4–18; 8:45 am] Darrin A. King, NW, Washington, DC 20552, (202) 435– BILLING CODE 4810–AM–P Paperwork Reduction Act Officer, Bureau of 9575, or email: CFPB_PRA@cfpb.gov. If Consumer Financial Protection. you require this document in an [FR Doc. 2018–19156 Filed 9–4–18; 8:45 am] alternative electronic format, please BUREAU OF CONSUMER FINANCIAL BILLING CODE 4810–AM–P contact CFPB_Accessibility@cfpb.gov. PROTECTION Please do not submit comments to these [Docket No. CFPB–2018–0026] email boxes. BUREAU OF CONSUMER FINANCIAL SUPPLEMENTARY INFORMATION: Agency Information Collection PROTECTION Title of Collection: Consumer Leasing Activities: Comment Request Act (Regulation M) 12 CFR 1013. [Docket No. CFPB–2018–0030] OMB Control Number: 3170–0006. AGENCY: Bureau of Consumer Financial Agency Information Collection Type of Review: Extension without Protection. Activities: Comment Request change of an existing Information ACTION: Notice and request for comment. Collection. AGENCY: Bureau of Consumer Financial Affected Public: Businesses and other SUMMARY: In accordance with the daltland on DSKBBV9HB2PROD with NOTICES Protection. for-profit entities. Paperwork Reduction Act of 1995 ACTION: Notice and request for comment. Estimated Number of Respondents: (PRA), the Bureau of Consumer 13,718. Financial Protection (Bureau) is SUMMARY: In accordance with the Estimated Total Annual Burden requesting to renew the Office of Paperwork Reduction Act of 1995 Hours: 2,126. Management and Budget (OMB) (PRA), the Bureau of Consumer Abstract: Consumers rely on the approval for an existing information Financial Protection (Bureau) is disclosures required by the Consumer collection, titled, ‘‘Registration of VerDate Sep<11>2014 17:04 Sep 04, 2018 Jkt 244001 PO 00000 Frm 00023 Fmt 4703 Sfmt 4703 E:\FR\FM\05SEN1.SGM 05SEN1


Document Created: 2018-09-05 01:59:07
Document Modified: 2018-09-05 01:59:07
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.
DatesWritten comments are encouraged and must be received on or before November 5, 2018 to be assured of consideration.
ContactDocumentation prepared in support of this information collection request is available at www.regulations.gov. Requests for additional information should be directed to the Bureau of Consumer Financial Protection (Attention: PRA Office), 1700 G Street NW, Washington, DC 20552, (202) 435-9575, or email: [email protected] If you require this document in an alternative electronic format, please contact [email protected] Please do not submit comments to these email boxes.
FR Citation83 FR 45109 
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