83_FR_49261 83 FR 49072 - Request for Information Regarding Bureau Data Collections

83 FR 49072 - Request for Information Regarding Bureau Data Collections

BUREAU OF CONSUMER FINANCIAL PROTECTION

Federal Register Volume 83, Issue 189 (September 28, 2018)

Page Range49072-49074
FR Document2018-21162

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 the Bureau's Data Governance Program and its Data Collections in support of the Bureau's work and, consistent with law, the Bureau is considering whether any changes to its Data Governance Program or Data Collections would be appropriate.

Federal Register, Volume 83 Issue 189 (Friday, September 28, 2018)
[Federal Register Volume 83, Number 189 (Friday, September 28, 2018)]
[Notices]
[Pages 49072-49074]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2018-21162]


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BUREAU OF CONSUMER FINANCIAL PROTECTION

[Docket No. CFPB-2018-0031]


Request for Information Regarding Bureau Data Collections

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Notice and request for information.

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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 the 
Bureau's Data Governance Program and its Data Collections in support of 
the Bureau's work and, consistent with law, the Bureau is considering 
whether any changes to its Data Governance Program or Data Collections 
would be appropriate.

DATES: Comments must be received by December 27, 2018.

ADDRESSES: You may submit responsive information and other comments, 
identified by Docket No. CFPB-2018-0031, by any of the following 
methods:
     Electronic: Go to https://www.regulations.gov. Follow the 
instructions for submitting comments.
     Email: FederalRegisterComments@cfpb.gov. Include Docket 
No. CFPB-2018-0031 in the subject line of the message.
     Mail: Comment Intake, Bureau of Consumer Financial 
Protection, 1700 G Street NW, Washington, DC 20552.
     Hand Delivery/Courier: Comment Intake, Bureau of Consumer 
Financial Protection, 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 topic on which you are commenting 
at the top of each response (you do not need to address all topics). 
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 https://www.regulations.gov. In addition, comments 
will be available for public inspection and copying at 1700 G Street 
NW, Washington, DC 20552, on official business days between the hours 
of 10:00 a.m. and 5:00 p.m. eastern 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. Proprietary 
information or 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: Ren Essene, Data Policy Manager; and 
Suzan Muslu, Data Governance Specialist, at 202-435-7700. If you 
require this document in an alternative electronic format, please 
contact CFPB_Accessibility@cfpb.gov.

SUPPLEMENTARY INFORMATION: The Bureau of Consumer Financial Protection 
was created by the Dodd-Frank Wall Street Reform and Consumer 
Protection Act (Dodd-Frank Act) \1\ to implement and, where applicable, 
enforce Federal consumer financial law consistently to achieve certain 
specified ends. The Bureau collects, manages, and publishes information 
in the course of its activities pursuant to the Dodd-Frank Act and 
other statutes. Congress delineated six ``primary functions'' of the 
Bureau in the Dodd-Frank Act.\2\ Some of those functions expressly 
require the Bureau to collect data; in other instances, collecting data 
is integral to enabling the Bureau to discharge a function. Consistent 
with the practice of many Federal agencies, including other financial 
regulators, the Bureau collects information to inform and guide its 
work. Like other agencies, the Bureau also works to protect its data by 
using a secure environment and employing best practices for data 
controls. For example, the Bureau limits who has access to its Data 
Collections, de-identifies data, and prohibits Bureau staff from trying 
to re-identify individuals from de-identified datasets.
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    \1\ Public Law 111-203, 124 Stat. 1376 (2010).
    \2\ 12 U.S.C. 5511(c).
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    The executive branch has also emphasized data use, and the 
President's Management Agenda directly addresses data and information 
technology as primary drivers of transformation. One of the Cross-
Agency Priority Goals is to leverage data as strategic assets to grow 
the economy, increase the effectiveness of the Federal government, 
facilitate oversight, and promote transparency. The Bureau aims to 
leverage data in the same way.
    The Bureau is issuing concurrently with this Request for 
Information (RFI) a report on the Sources and Uses of Data at the 
Bureau of Consumer Financial Protection (``Data Report''), available on 
its website,\3\ which describes the sources and uses of the data that 
the Bureau intakes, including data that is obtained for one purpose and 
put to an additional use (``reuse''). The Data Report also describes 
the Bureau's data governance structure and processes, including the 
structure and processes governing the intake, use, access and 
disclosure of data. We refer to these activities as the Bureau's ``Data 
Governance Program.''
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    \3\ See Bureau of Consumer Fin. Prot., ``Sources and Uses of 
Data at the Bureau of Consumer Financial Protection,'' (Sept. 2018), 
available at https://www.consumerfinance.gov/data-research/research-reports/sources-and-uses-data-bureau-consumer-financial-protection/.
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    This RFI seeks input on several aspects of the Bureau's Data 
Governance Program and its Data Collection activities to date, and 
suggestions for future improvements. For purposes of this RFI, we use 
the phrase ``Data Collections'' to refer to Bureau data intakes outside 
of the Division of Supervision, Enforcement, and Fair Lending or of the 
Office of Consumer Response. Data Collections include data that are 
collected by another agency and shared with the Bureau, data that are 
collected by a commercial entity and sold to the Bureau, public data 
that are downloaded by the Bureau, as well as instances in which the 
Bureau itself collects data either directly or through a contractor. 
The Data Report provides detailed information on the Bureau's Data 
Collections activities to date.

[[Page 49073]]

Request for Information Overview

    The Bureau is using this RFI to seek public input regarding the 
overall effectiveness and efficiency of the Bureau's Data Collections, 
as well as changes that it may make, consistent with applicable law, to 
the Data Governance Program at the Bureau; the Bureau's Data Collection 
practices related to privacy; the sources, uses, and scope of 
information the Bureau collects; ways the Bureau should or should not 
reuse data collected for one purpose to inform other functions of the 
Bureau; ways to reduce reporting burden; changes that may assist the 
Bureau to more effectively meet our statutory purpose and objectives; 
and other activities that the Bureau could engage in to make Data 
Collections from financial institutions more effective and efficient.
    The Bureau recently concluded a Call for Evidence in which it 
sought public comment, through a series of RFIs, on multiple aspects of 
the Bureau's work. This RFI is not intended to duplicate that work. 
Accordingly, the Bureau is not seeking comments on the following data 
or Data Collections that are addressed in other recent Bureau RFIs: (1) 
Information collected as part of the Bureau's consumer complaint 
process, public complaint reporting, and the Consumer Complaint 
Database; \4\ (2) the substance of any particular rule (for both rules 
the Bureau adopted and those it inherited) with separate information 
collection requirements; \5\ or (3) information collected through the 
Bureau's enforcement civil investigative demands (CIDs) or through 
supervisory activities.\6\ The suggested topics for this RFI (below) 
are not intended to cover data issues or Data Collections in those 
areas. The Bureau does, however, invite comments on the Bureau's reuse 
of data collected through consumer response and supervisory and 
enforcement activities.
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    \4\ See Request for Information Regarding Bureau Public 
Reporting Practices of Consumer Complaint Information, 83 FR 9499 
(Mar. 6, 2018); Request for Information Regarding the Bureau's 
Consumer Complaint and Consumer Inquiry Handling Processes, 83 FR 
16839 (Apr. 17, 2018).
    \5\ See Request for Information Regarding the Bureau's Adopted 
Regulations and New Rulemaking Authorities, 83 FR 12286 (Mar. 21, 
2018); Request for Information Regarding the Bureau's Inherited 
Regulations and Inherited Rulemaking Authorities, 83 FR 12881 (Mar. 
26, 2018).
    \6\ See Request for Information Regarding Bureau Civil 
Investigative Demands and Associated Processes, 83 FR 3686 (Jan. 26, 
2018); Request for Information Regarding the Bureau's Supervision 
Program, 83 FR 7166 (Feb. 20, 2018).
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    The Bureau encourages comments from all interested members of the 
public. The Bureau anticipates that the responding public may include 
entities subject to Bureau rules, trade associations and professional 
services organizations that represent these entities, individual 
consumers, consumer advocates, regulators, and researchers or members 
of academia.

Suggested Topics for Commenters

    To allow the Bureau to evaluate suggestions more effectively, the 
Bureau requests that, where possible, comments include:

     Specific discussions of any potential changes to our 
Data Collection processes, consistent with the laws providing the 
Bureau with data collection authority and the Bureau's statutory 
purposes and objectives, and including, in as much detail as 
possible, the nature of the requested change, and supporting data or 
other information on impacts, costs, benefits, or information 
concerning alignment with the processes of other agencies.
     Specific identification of any aspects of the Bureau's 
approach to its Data Collections that are working well, and 
including, in as much detail as possible, supporting data or other 
information on impacts, costs, benefits, or information concerning 
alignment with the processes of other agencies.

    The following sections list areas of interest on which commenters 
may want to focus. This non-exhaustive list is meant to assist in the 
formulation of comments and is not intended to restrict what may be 
addressed by the public. Commenters may comment on matters that are 
related to the Bureau's Data Collections, but do not appear in the list 
below. The Bureau requests that, in addressing these questions, 
commenters identify with specificity the Bureau's Data Collection, 
format, process, or delivery platform at issue, providing specific 
examples where appropriate. In discussing the Bureau's Data Collections 
to date, the Bureau also requests that commenters provide examples and 
supporting information where possible, as well as relevant information 
about how this information has been collected by an institution, by 
which parties, and in what ways. Commenters should feel free to comment 
on some or all of the questions below, but are encouraged to indicate 
in which area your comments are focused.
    The Bureau requests that commenters note their highest priorities, 
where possible, along with an explanation of how or why certain 
suggestions have been prioritized. Suggestions will be most helpful if 
they focus on revisions that the Bureau could implement without changes 
in the law, consistent with its existing statutory authorities.
    The Bureau is seeking feedback on all aspects of its Data 
Collections, including the following areas of interest:
    1. Aspects of the Bureau's Data Governance Program, including:
    a. Best practices for data governance that the Bureau should 
consider adopting; and
    b. Additional ways that the Bureau can improve its Data Governance 
Program, including improvements to its processes for collecting data, 
managing data, and releasing data.
    2. The Bureau's Data Collection practices related to privacy, 
including practices the Bureau should maintain or changes that the 
Bureau can feasibly make to further protect privacy without hindering 
the Bureau's ability to accomplish its objectives and statutory 
mandates. Topics may include:
    a. Use of aggregated data, including sources of aggregated data 
sufficient to effectively do the Bureau's work;
    b. Use of sampling methodologies;
    c. Use of de-identified data and de-identification processes;
    d. Use of direct identifiers;
    e. Notice to consumers regarding use of data known to be related to 
them; and
    f. How the Bureau's Data Collection practices related to privacy 
compare to other Federal agencies' practices.
    3. Changes the Bureau should, or should not, make to the sources, 
uses, and scope of its Data Collections.
    4. How and when data collected primarily for one Bureau function 
should, or should not, be used for other Bureau functions consistent 
with applicable law. Topics may include:
    a. The use of confidential supervisory information or confidential 
investigation information to inform multiple functions of the Bureau;
    b. The use of data obtained for purposes of research, market 
monitoring, or for assessing the effectiveness of significant rules to 
inform other functions of the Bureau;
    c. Reduction of burden on potential furnishers of data by use of 
the same data by other Bureau functions; and
    d. Other issues that the Bureau should consider when using a Data 
Collection for a function other than the primary function for which it 
was collected.
    5. Ways to improve Data Collection processes that reduce reporting 
burden without hindering the Bureau's ability to accomplish statutory 
objectives. Topics may include:
    a. Whether Bureau Data Collections overlap with information 
maintained by other governmental agencies in a way that makes it 
difficult or particularly burdensome for institutions to comply with 
Bureau Data Collections;
    b. Whether and how the Bureau should leverage existing industry 
data standards for particular markets that the Bureau regulates as part 
of its Data Collections;

[[Page 49074]]

    c. Whether Data Collection requests are aligned with how 
institutions maintain information or utilize current technologies;
    d. Whether Data Collections have provided helpful insight into 
particular markets, and whether there are other collections that would 
prove more insightful; and
    e. Ways the Bureau may interact with industry or consumer groups to 
gather suggestions on how to reduce reporting burden and increase the 
effectiveness of its Data Collections.
    6. Changes the Bureau could make to existing Data Collections, or 
potential new Data Collections the Bureau could collect, consistent 
with its statutory authority, to more effectively meet the statutory 
purposes and objectives as set forth in section 1021 of the Dodd-Frank 
Act:
    a. The statutory purposes set forth in section 1021(a) are:
    i. All consumers have access to markets for consumer financial 
products and services; and
    ii. Markets for consumer financial products and services are fair, 
transparent, and competitive.
    b. The statutory objectives set forth in section 1021(b) are:
    i. Consumers are provided with timely and understandable 
information to make responsible decisions about financial transactions;
    ii. Consumers are protected from unfair, deceptive, or abusive acts 
and practices and from discrimination;
    iii. Outdated, unnecessary, or unduly burdensome regulations are 
regularly identified and addressed in order to reduce unwarranted 
regulatory burdens;
    iv. Federal consumer financial law is enforced consistently, 
without regard to the status of a person as a depository institution, 
in order to promote fair competition; and
    v. Markets for consumer financial products and services operate 
transparently and efficiently to facilitate access and innovation.
    7. Other activities that the Bureau could engage in to make the 
Data Collection requests from financial institutions more effective and 
efficient.
    8. Areas where the Bureau has not exercised the full extent of its 
Data Collection authority; where Data Collections would be beneficial 
and align with the purposes and objectives of the applicable Federal 
consumer financial laws; and/or where the Bureau can better leverage 
data as a strategic asset to increase effectiveness.

    Authority: 12 U.S.C. 5511(c); 12 U.S.C. 5492(a).

    Dated: September 24, 2018.
Mick Mulvaney,
Acting Director, Bureau of Consumer Financial Protection.
[FR Doc. 2018-21162 Filed 9-27-18; 8:45 am]
 BILLING CODE 4810-AM-P



                                              49072                       Federal Register / Vol. 83, No. 189 / Friday, September 28, 2018 / Notices

                                                7930–00–NIB–0143—Cleaner, Commercial                     • Hand Delivery/Courier: Comment                    including other financial regulators, the
                                                  Vehicle, Skilcraft Savvy TR–43, 55                  Intake, Bureau of Consumer Financial                   Bureau collects information to inform
                                                  Gallons                                             Protection, 1700 G Street NW,                          and guide its work. Like other agencies,
                                              Mandatory Source of Supply: VisionCorps,
                                                  Lancaster, PA
                                                                                                      Washington, DC 20552.                                  the Bureau also works to protect its data
                                              Contracting Activity: GSA/FSS GREATER                      Instructions: The Bureau encourages                 by using a secure environment and
                                                  SOUTHWEST ACQUISITI, FORT                           the early submission of comments. All                  employing best practices for data
                                                  WORTH, TX                                           submissions must include the document                  controls. For example, the Bureau limits
                                              NSN(s)—Product Name(s): 7110–01–622–                    title and docket number. Please note the               who has access to its Data Collections,
                                                  1763—White Board, Dry Erase, Magnetic,              number of the topic on which you are                   de-identifies data, and prohibits Bureau
                                                  Work/Plan Kit, Aluminum Frame, 6′ x 4′              commenting at the top of each response                 staff from trying to re-identify
                                                7110–01–622–1763—White Board, Dry                     (you do not need to address all topics).               individuals from de-identified datasets.
                                                  Erase, Magnetic, Work/Plan Kit,                     Because paper mail in the Washington,
                                                  Aluminum Frame, 6′ x 4′                                                                                       The executive branch has also
                                                                                                      DC area and at the Bureau is subject to                emphasized data use, and the
                                                7110–01–622–1764—White Board, Dry
                                                  Erase, Magnetic, Work/Plan Kit,
                                                                                                      delay, commenters are encouraged to                    President’s Management Agenda
                                                  Aluminum Frame, 4′ x 3′                             submit comments electronically. In
                                                                                                                                                             directly addresses data and information
                                              Mandatory Source of Supply: The Lighthouse              general, all comments received will be
                                                                                                                                                             technology as primary drivers of
                                                  for the Blind, Inc. (Seattle Lighthouse),           posted without change to https://
                                                                                                                                                             transformation. One of the Cross-Agency
                                                  Seattle, WA                                         www.regulations.gov. In addition,
                                              Contracting Activity: GSA/FAS FURNITURE                                                                        Priority Goals is to leverage data as
                                                                                                      comments will be available for public
                                                  SYSTEMS MGT DIV, PHILADELPHIA,                                                                             strategic assets to grow the economy,
                                                                                                      inspection and copying at 1700 G Street
                                                  PA                                                                                                         increase the effectiveness of the Federal
                                                                                                      NW, Washington, DC 20552, on official
                                                                                                                                                             government, facilitate oversight, and
                                              Michael R. Jurkowski,                                   business days between the hours of
                                                                                                                                                             promote transparency. The Bureau aims
                                              Business Management Specialist.                         10:00 a.m. and 5:00 p.m. eastern time.
                                                                                                                                                             to leverage data in the same way.
                                              [FR Doc. 2018–21182 Filed 9–27–18; 8:45 am]             You can make an appointment to
                                                                                                      inspect the documents by telephoning                      The Bureau is issuing concurrently
                                              BILLING CODE 6353–01–P
                                                                                                      202–435–7275.                                          with this Request for Information (RFI)
                                                                                                         All submissions in response to this                 a report on the Sources and Uses of
                                                                                                      request for information, including                     Data at the Bureau of Consumer
                                              BUREAU OF CONSUMER FINANCIAL                                                                                   Financial Protection (‘‘Data Report’’),
                                                                                                      attachments and other supporting
                                              PROTECTION                                                                                                     available on its website,3 which
                                                                                                      materials, will become part of the public
                                              [Docket No. CFPB–2018–0031]                             record and subject to public disclosure.               describes the sources and uses of the
                                                                                                      Proprietary information or sensitive                   data that the Bureau intakes, including
                                              Request for Information Regarding                       personal information, such as account                  data that is obtained for one purpose
                                              Bureau Data Collections                                 numbers or Social Security numbers, or                 and put to an additional use (‘‘reuse’’).
                                                                                                      names of other individuals, should not                 The Data Report also describes the
                                              AGENCY:  Bureau of Consumer Financial
                                                                                                      be included. Submissions will not be                   Bureau’s data governance structure and
                                              Protection.
                                                                                                      edited to remove any identifying or                    processes, including the structure and
                                              ACTION: Notice and request for
                                                                                                      contact information.                                   processes governing the intake, use,
                                              information.                                                                                                   access and disclosure of data. We refer
                                                                                                      FOR FURTHER INFORMATION CONTACT: Ren
                                              SUMMARY:   The Bureau of Consumer                       Essene, Data Policy Manager; and Suzan                 to these activities as the Bureau’s ‘‘Data
                                              Financial Protection (Bureau) is seeking                Muslu, Data Governance Specialist, at                  Governance Program.’’
                                              comments and information from                           202–435–7700. If you require this                         This RFI seeks input on several
                                              interested parties to assist the Bureau in              document in an alternative electronic                  aspects of the Bureau’s Data Governance
                                              assessing the overall efficiency and                    format, please contact CFPB_                           Program and its Data Collection
                                              effectiveness of the Bureau’s Data                      Accessibility@cfpb.gov.                                activities to date, and suggestions for
                                              Governance Program and its Data                         SUPPLEMENTARY INFORMATION: The                         future improvements. For purposes of
                                              Collections in support of the Bureau’s                  Bureau of Consumer Financial                           this RFI, we use the phrase ‘‘Data
                                              work and, consistent with law, the                      Protection was created by the Dodd-                    Collections’’ to refer to Bureau data
                                              Bureau is considering whether any                       Frank Wall Street Reform and Consumer                  intakes outside of the Division of
                                              changes to its Data Governance Program                  Protection Act (Dodd-Frank Act) 1 to                   Supervision, Enforcement, and Fair
                                              or Data Collections would be                            implement and, where applicable,                       Lending or of the Office of Consumer
                                              appropriate.                                            enforce Federal consumer financial law                 Response. Data Collections include data
                                              DATES: Comments must be received by                     consistently to achieve certain specified              that are collected by another agency and
                                              December 27, 2018.                                      ends. The Bureau collects, manages, and                shared with the Bureau, data that are
                                              ADDRESSES: You may submit responsive                    publishes information in the course of                 collected by a commercial entity and
                                              information and other comments,                         its activities pursuant to the Dodd-Frank              sold to the Bureau, public data that are
                                              identified by Docket No. CFPB–2018–                     Act and other statutes. Congress                       downloaded by the Bureau, as well as
                                              0031, by any of the following methods:                  delineated six ‘‘primary functions’’ of                instances in which the Bureau itself
                                                 • Electronic: Go to https://                         the Bureau in the Dodd-Frank Act.2                     collects data either directly or through
                                              www.regulations.gov. Follow the                         Some of those functions expressly                      a contractor. The Data Report provides
                                              instructions for submitting comments.                   require the Bureau to collect data; in                 detailed information on the Bureau’s
amozie on DSK3GDR082PROD with NOTICES1




                                                 • Email: FederalRegisterComments@                    other instances, collecting data is                    Data Collections activities to date.
                                              cfpb.gov. Include Docket No. CFPB–                      integral to enabling the Bureau to
                                              2018–0031 in the subject line of the                    discharge a function. Consistent with                    3 See Bureau of Consumer Fin. Prot., ‘‘Sources

                                              message.                                                                                                       and Uses of Data at the Bureau of Consumer
                                                                                                      the practice of many Federal agencies,                 Financial Protection,’’ (Sept. 2018), available at
                                                 • Mail: Comment Intake, Bureau of                                                                           https://www.consumerfinance.gov/data-research/
                                              Consumer Financial Protection, 1700 G                     1 Public   Law 111–203, 124 Stat. 1376 (2010).       research-reports/sources-and-uses-data-bureau-
                                              Street NW, Washington, DC 20552.                          2 12   U.S.C. 5511(c).                               consumer-financial-protection/.



                                         VerDate Sep<11>2014   19:22 Sep 27, 2018   Jkt 244001   PO 00000   Frm 00025    Fmt 4703   Sfmt 4703   E:\FR\FM\28SEN1.SGM   28SEN1


                                                                          Federal Register / Vol. 83, No. 189 / Friday, September 28, 2018 / Notices                                         49073

                                              Request for Information Overview                        responding public may include entities                   1. Aspects of the Bureau’s Data
                                                 The Bureau is using this RFI to seek                 subject to Bureau rules, trade                        Governance Program, including:
                                              public input regarding the overall                      associations and professional services                   a. Best practices for data governance
                                              effectiveness and efficiency of the                     organizations that represent these                    that the Bureau should consider
                                              Bureau’s Data Collections, as well as                   entities, individual consumers,                       adopting; and
                                                                                                      consumer advocates, regulators, and                      b. Additional ways that the Bureau
                                              changes that it may make, consistent
                                                                                                      researchers or members of academia.                   can improve its Data Governance
                                              with applicable law, to the Data
                                                                                                                                                            Program, including improvements to its
                                              Governance Program at the Bureau; the                   Suggested Topics for Commenters                       processes for collecting data, managing
                                              Bureau’s Data Collection practices
                                                                                                        To allow the Bureau to evaluate                     data, and releasing data.
                                              related to privacy; the sources, uses, and                                                                       2. The Bureau’s Data Collection
                                              scope of information the Bureau                         suggestions more effectively, the Bureau
                                                                                                      requests that, where possible, comments               practices related to privacy, including
                                              collects; ways the Bureau should or                                                                           practices the Bureau should maintain or
                                              should not reuse data collected for one                 include:
                                                                                                        • Specific discussions of any potential
                                                                                                                                                            changes that the Bureau can feasibly
                                              purpose to inform other functions of the                                                                      make to further protect privacy without
                                              Bureau; ways to reduce reporting                        changes to our Data Collection processes,
                                                                                                      consistent with the laws providing the                hindering the Bureau’s ability to
                                              burden; changes that may assist the                                                                           accomplish its objectives and statutory
                                                                                                      Bureau with data collection authority and the
                                              Bureau to more effectively meet our                     Bureau’s statutory purposes and objectives,           mandates. Topics may include:
                                              statutory purpose and objectives; and                   and including, in as much detail as possible,            a. Use of aggregated data, including
                                              other activities that the Bureau could                  the nature of the requested change, and               sources of aggregated data sufficient to
                                              engage in to make Data Collections from                 supporting data or other information on               effectively do the Bureau’s work;
                                              financial institutions more effective and               impacts, costs, benefits, or information                 b. Use of sampling methodologies;
                                              efficient.                                              concerning alignment with the processes of               c. Use of de-identified data and de-
                                                 The Bureau recently concluded a Call                 other agencies.
                                                                                                        • Specific identification of any aspects of
                                                                                                                                                            identification processes;
                                              for Evidence in which it sought public                                                                           d. Use of direct identifiers;
                                              comment, through a series of RFIs, on                   the Bureau’s approach to its Data Collections
                                                                                                      that are working well, and including, in as              e. Notice to consumers regarding use
                                              multiple aspects of the Bureau’s work.                  much detail as possible, supporting data or           of data known to be related to them; and
                                              This RFI is not intended to duplicate                   other information on impacts, costs, benefits,           f. How the Bureau’s Data Collection
                                              that work. Accordingly, the Bureau is                   or information concerning alignment with              practices related to privacy compare to
                                              not seeking comments on the following                   the processes of other agencies.                      other Federal agencies’ practices.
                                              data or Data Collections that are                          The following sections list areas of                  3. Changes the Bureau should, or
                                              addressed in other recent Bureau RFIs:                  interest on which commenters may                      should not, make to the sources, uses,
                                              (1) Information collected as part of the                want to focus. This non-exhaustive list               and scope of its Data Collections.
                                              Bureau’s consumer complaint process,                                                                             4. How and when data collected
                                                                                                      is meant to assist in the formulation of
                                              public complaint reporting, and the                                                                           primarily for one Bureau function
                                                                                                      comments and is not intended to restrict
                                              Consumer Complaint Database; 4 (2) the                                                                        should, or should not, be used for other
                                                                                                      what may be addressed by the public.
                                              substance of any particular rule (for                                                                         Bureau functions consistent with
                                                                                                      Commenters may comment on matters
                                              both rules the Bureau adopted and those                                                                       applicable law. Topics may include:
                                                                                                      that are related to the Bureau’s Data                    a. The use of confidential supervisory
                                              it inherited) with separate information
                                                                                                      Collections, but do not appear in the list            information or confidential
                                              collection requirements; 5 or (3)
                                                                                                      below. The Bureau requests that, in                   investigation information to inform
                                              information collected through the
                                                                                                      addressing these questions, commenters                multiple functions of the Bureau;
                                              Bureau’s enforcement civil investigative
                                                                                                      identify with specificity the Bureau’s                   b. The use of data obtained for
                                              demands (CIDs) or through supervisory
                                                                                                      Data Collection, format, process, or                  purposes of research, market
                                              activities.6 The suggested topics for this
                                                                                                      delivery platform at issue, providing                 monitoring, or for assessing the
                                              RFI (below) are not intended to cover
                                                                                                      specific examples where appropriate. In               effectiveness of significant rules to
                                              data issues or Data Collections in those
                                                                                                      discussing the Bureau’s Data Collections              inform other functions of the Bureau;
                                              areas. The Bureau does, however, invite
                                              comments on the Bureau’s reuse of data                  to date, the Bureau also requests that                   c. Reduction of burden on potential
                                              collected through consumer response                     commenters provide examples and                       furnishers of data by use of the same
                                              and supervisory and enforcement                         supporting information where possible,                data by other Bureau functions; and
                                              activities.                                             as well as relevant information about                    d. Other issues that the Bureau should
                                                 The Bureau encourages comments                       how this information has been collected               consider when using a Data Collection
                                              from all interested members of the                      by an institution, by which parties, and              for a function other than the primary
                                              public. The Bureau anticipates that the                 in what ways. Commenters should feel                  function for which it was collected.
                                                                                                      free to comment on some or all of the                    5. Ways to improve Data Collection
                                                4 See Request for Information Regarding Bureau        questions below, but are encouraged to                processes that reduce reporting burden
                                              Public Reporting Practices of Consumer Complaint        indicate in which area your comments                  without hindering the Bureau’s ability
                                              Information, 83 FR 9499 (Mar. 6, 2018); Request for     are focused.                                          to accomplish statutory objectives.
                                              Information Regarding the Bureau’s Consumer                The Bureau requests that commenters
                                              Complaint and Consumer Inquiry Handling
                                                                                                                                                            Topics may include:
                                              Processes, 83 FR 16839 (Apr. 17, 2018).                 note their highest priorities, where                     a. Whether Bureau Data Collections
                                                5 See Request for Information Regarding the           possible, along with an explanation of                overlap with information maintained by
                                              Bureau’s Adopted Regulations and New                    how or why certain suggestions have                   other governmental agencies in a way
                                              Rulemaking Authorities, 83 FR 12286 (Mar. 21,           been prioritized. Suggestions will be                 that makes it difficult or particularly
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                                              2018); Request for Information Regarding the
                                              Bureau’s Inherited Regulations and Inherited            most helpful if they focus on revisions               burdensome for institutions to comply
                                              Rulemaking Authorities, 83 FR 12881 (Mar. 26,           that the Bureau could implement                       with Bureau Data Collections;
                                              2018).                                                  without changes in the law, consistent                   b. Whether and how the Bureau
                                                6 See Request for Information Regarding Bureau
                                                                                                      with its existing statutory authorities.              should leverage existing industry data
                                              Civil Investigative Demands and Associated
                                              Processes, 83 FR 3686 (Jan. 26, 2018); Request for
                                                                                                         The Bureau is seeking feedback on all              standards for particular markets that the
                                              Information Regarding the Bureau’s Supervision          aspects of its Data Collections, including            Bureau regulates as part of its Data
                                              Program, 83 FR 7166 (Feb. 20, 2018).                    the following areas of interest:                      Collections;


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                                              49074                       Federal Register / Vol. 83, No. 189 / Friday, September 28, 2018 / Notices

                                                 c. Whether Data Collection requests                    Dated: September 24, 2018.                          SUMMARY:    The Department of Defense
                                              are aligned with how institutions                       Mick Mulvaney,                                        has submitted to OMB for clearance the
                                              maintain information or utilize current                 Acting Director, Bureau of Consumer                   following proposal for collection of
                                              technologies;                                           Financial Protection.                                 information under the provisions of the
                                                 d. Whether Data Collections have                     [FR Doc. 2018–21162 Filed 9–27–18; 8:45 am]           Paperwork Reduction Act.
                                              provided helpful insight into particular                BILLING CODE 4810–AM–P                                DATES: Consideration will be given to all
                                              markets, and whether there are other                                                                          comments received by October 29, 2018.
                                              collections that would prove more                                                                             ADDRESSES: Comments and
                                              insightful; and                                         DEPARTMENT OF DEFENSE                                 recommendations on the proposed
                                                 e. Ways the Bureau may interact with                                                                       information collection should be
                                              industry or consumer groups to gather                   Department of the Army                                emailed to Ms. Cortney Higgins, DoD
                                              suggestions on how to reduce reporting                                                                        Desk Officer, at oira_submission@
                                              burden and increase the effectiveness of                Intent To Grant an Exclusive License
                                                                                                                                                            omb.eop.gov. Please identify the
                                              its Data Collections.                                   for U.S. Government-Owned Invention
                                                                                                                                                            proposed information collection by DoD
                                                 6. Changes the Bureau could make to                  AGENCY:   Department of the Army, DoD.                Desk Officer, Docket ID number, and
                                              existing Data Collections, or potential                 ACTION:   Notice.                                     title of the information collection.
                                              new Data Collections the Bureau could                                                                         FOR FURTHER INFORMATION CONTACT: Fred
                                              collect, consistent with its statutory                  SUMMARY:   In accordance with applicable              Licari, 571–372–0493, or whs.mc-
                                              authority, to more effectively meet the                 laws and regulations, announcement is                 alex.esd.mbx.dd-dod-information-
                                              statutory purposes and objectives as set                made of the intent to grant an exclusive              collections@mail.mil.
                                              forth in section 1021 of the Dodd-Frank                 within a field of use, royalty-bearing,
                                                                                                                                                            SUPPLEMENTARY INFORMATION:
                                              Act:                                                    revocable biological materials license.                  Title; Associated Form; and OMB
                                                 a. The statutory purposes set forth in               ADDRESSES: Commander, U.S. Army                       Number: Department of Defense Patient
                                              section 1021(a) are:                                    Medical Research and Materiel                         Safety Culture Survey; OMB Control
                                                 i. All consumers have access to                      Command, ATTN: Command Judge                          Number 0720–0034.
                                              markets for consumer financial products                 Advocate, MCMR–JA, 504 Scott Street,                     Type of Request: Revision.
                                              and services; and                                       Fort Detrick, MD 21702–5012.                             Number of Respondents: 9,200.
                                                 ii. Markets for consumer financial                   FOR FURTHER INFORMATION CONTACT:                         Responses per Respondent: 1.
                                              products and services are fair,                         Mr. Barry Datlof, Office of Research &                   Annual Responses: 9,200.
                                              transparent, and competitive.                           Technology Applications, (301) 619–                      Average Burden per Response: 10
                                                 b. The statutory objectives set forth in             0033, telefax (301) 619–5034.                         minutes.
                                              section 1021(b) are:                                    SUPPLEMENTARY INFORMATION: In                            Annual Burden Hours: 1,533.
                                                 i. Consumers are provided with                       accordance with 35 U.S.C. 209(e) and 37                  Needs and Uses: The 2001 National
                                              timely and understandable information                   CFR 404.7(a)(1)(i), announcement is                   Defense Authorization Act contains
                                              to make responsible decisions about                     made of the intent to grant an exclusive              specific sections addressing patient
                                              financial transactions;                                 within a field of use, royalty-bearing,               safety in military and veterans’ health
                                                 ii. Consumers are protected from                     revocable biological materials license to             care systems. This legislation states that
                                              unfair, deceptive, or abusive acts and                  45AZ Dengue-1 strain to PrimeVax                      the Secretary of Defense shall establish
                                              practices and from discrimination;                      Immuno-Oncology, Inc., having its                     a patient care error reporting and
                                                                                                      principal place of business at 2229 W                 management system to study
                                                 iii. Outdated, unnecessary, or unduly
                                                                                                      Mills Drive, Orange, California 92868.                occurrences of errors in patient care and
                                              burdensome regulations are regularly
                                                                                                         Anyone wishing to object to grant of               that one purpose of the system should
                                              identified and addressed in order to
                                                                                                      this license can file written objections              be to ‘‘identify systemic factors that are
                                              reduce unwarranted regulatory burdens;
                                                                                                      along with supporting evidence, if any,               associated with such occurrences’’ and
                                                 iv. Federal consumer financial law is
                                                                                                      within 15 days from the date of this                  ‘‘to provide for action to be taken to
                                              enforced consistently, without regard to
                                                                                                      publication. Written objections are to be             correct the identified systemic factors’’
                                              the status of a person as a depository
                                                                                                      filed with the Command Judge Advocate                 (Sec. 754, items b2 and b3). In addition,
                                              institution, in order to promote fair
                                                                                                      (see ADDRESSES).                                      the legislation states that the Secretary
                                              competition; and
                                                                                                                                                            shall ‘‘continue research and
                                                 v. Markets for consumer financial                    Brenda S. Bowen,                                      development investments to improve
                                              products and services operate                           Army Federal Register Liaison Officer.                communication, coordination, and team
                                              transparently and efficiently to facilitate             [FR Doc. 2018–21152 Filed 9–27–18; 8:45 am]           work in the provision of health care’’.
                                              access and innovation.                                  BILLING CODE 5001–03–P                                (Sec. 754, item d4).
                                                 7. Other activities that the Bureau                                                                           In its ongoing response to this
                                              could engage in to make the Data                                                                              legislation and in support of its mission
                                              Collection requests from financial                      DEPARTMENT OF DEFENSE                                 to ‘‘promote a culture of safety to
                                              institutions more effective and efficient.                                                                    eliminate preventable patient harm by
                                                 8. Areas where the Bureau has not                    Office of the Secretary                               engaging, educating and equipping
                                              exercised the full extent of its Data                   [Docket ID: DOD–2018–HA–0045]                         patient-care teams to institutionalize
                                              Collection authority; where Data                                                                              evidence-based safe practices,’’ the DoD
                                              Collections would be beneficial and                     Submission for OMB Review;                            Patient Safety Program plans to field the
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                                              align with the purposes and objectives                  Comment Request                                       Department of Defense Patient Safety
                                              of the applicable Federal consumer                                                                            Culture Survey. The Culture Survey is
                                              financial laws; and/or where the Bureau                 AGENCY:  Office of the Assistant
                                                                                                      Secretary of Defense for Health Affairs,              based on the Department of Health and
                                              can better leverage data as a strategic                                                                       Human Services’ Agency for Healthcare
                                              asset to increase effectiveness.                        DoD.
                                                                                                                                                            Research and Quality’s validated survey
                                                                                                      ACTION: 30-Day information collection
                                                Authority: 12 U.S.C. 5511(c); 12 U.S.C.                                                                     instrument. The survey obtains MHS
                                                                                                      notice.
                                              5492(a).                                                                                                      staff opinions on patient safety issues


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Document Created: 2018-09-28 01:23:46
Document Modified: 2018-09-28 01:23:46
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 information.
DatesComments must be received by December 27, 2018.
ContactRen Essene, Data Policy Manager; and Suzan Muslu, Data Governance Specialist, at 202-435-7700. If you require this document in an alternative electronic format, please contact [email protected]
FR Citation83 FR 49072 

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