14014 Federal Register / Vol. 76, No. 50 / Tuesday, March 15, 2011 / Notices 

1The average price of a new car sold in the U.S. 

is $28,966, according to the National Automobile 

Dealers Association. See NADA DATA 2010, at 2, 

available at http://www.nada.org/Publications/

NADADATA/2010/default (2009 data). Average 

used car prices range from $8,459 (independent 

companies) to $14,976 (dealerships). See NIADA 

Used Car Industry Report 2010, at 18, available at 

http://www.niada.com/PDFs/Publications/

2010IndustryReport.pdf (citing data from the 

National Independent Automobile Dealers 

Association Report and CNW Marketing Research), 

and NADA DATA 2010, at 2, respectively (2009 

data). 

2The Commission currently has enforcement 

authority over most non-bank entities for numerous 

consumer protection statutes, including, for 

example, Section 5 of the Federal Trade 

Commission Act (FTC Act), 15 U.S.C. 45, which 

broadly proscribes unfair or deceptive acts or 

practices in or affecting commerce; the Truth in 

Lending Act, 15 U.S.C. 1601–1666j, and the 

Consumer Leasing Act, 15 U.S.C. 1667–1667f, and 

their implementing Regulation Z, 12 CFR 226; the 

Equal Credit Opportunity Act (ECOA), 15 U.S.C. 

1691–1691f, and its implementing Regulation B, 12 

CFR 202; the Electronic Fund Transfer Act, 15 

U.S.C. 1693–1693r, and its implementing 

Regulation E, 12 CFR 205; and the privacy 

provisions of the Gramm-Leach Bliley Act, 15 

U.S.C. 6801–6809. Subject to various provisions of 

the Dodd-Frank Act, the Commission generally 

retains its enforcement authority for these various 

statutes; in some instances, that authority may be 

concurrent with the Bureau of Consumer Financial 

Protection (CFPB). 

should be submitted in electronic form 

to dctech@ftc.gov and should be 

captioned: ADebt Collection 2.0— 

Panelist Participation Request.’’ If the 

request to participate contains any 

material for which confidential 

treatment is requested, it must be filed 

in paper (rather than electronic) form, 

and the first page of the document must 

be clearly labeled ‘‘Confidential.’’ Please 

include an original and two copies of 

each document submitted in paper 

form. Requests submitted in paper form 

should include this reference both in 

the text and on the envelope, and 

should be sent by overnight delivery or 

courier to the following address: Debt 

Collection 2.0, c/o Leah Frazier, Federal 

Trade Commission, 600 Pennsylvania 

Avenue, NW., Mail Stop 3158, 

Washington, DC 20580. 

Requests to participate as workshop 

panelists should include the following 

information: 

(1) A brief biographical description, 

re ́sume ́, or curriculum vitae, including 

name and affiliation; 

(2) A statement setting forth the 

potential panelist’s expertise in or 

knowledge of one or more issues likely 

to be addressed by the workshop; 

(3) A list of the topic(s) that the 

potential panelist would like to address, 

and a one-paragraph summary of the 

potential panelist’s unique perspective 

or knowledge of each such topic; and 

(4) Contact information, including a 

daytime telephone number, facsimile 

number, and e-mail address (if 

available). 

Parties filing requests to participate as 

workshop panelists will be notified 

whether they have been selected on or 

before Thursday, March 31, 2011. 

The FTC Act and other laws the 

Commission administers permit the 

collection of requests to participate as 

workshop panelists to consider and use 

in this proceeding as appropriate. More 

information, including routine uses 

permitted by the Privacy Act, may be 

found in the FTC’s privacy policy at 

http://www.ftc.gov/ftc/privacy/htm. 

By direction of the Commission. 

Donald S. Clark, 

Secretary. 

[FR Doc. 2011–6002 Filed 3–14–11; 8:45 am] 

BILLING CODE 6750–01–P 

FEDERAL TRADE COMMISSION 

Public Roundtables: Protecting 

Consumers in the Sale and Leasing of 

Motor Vehicles 

AGENCY: Federal Trade Commission 

(FTC or Commission). 

ACTION: Notice announcing public 

roundtables, requesting participation, 

and providing opportunity for comment. 

SUMMARY: On July 21, 2010, President 

Obama signed the Dodd-Frank Wall 

Street Reform and Consumer Protection 

Act (Dodd-Frank Act). Pursuant to the 

Dodd-Frank Act, the FTC is authorized 

to prescribe rules under Section 553 of 

the Administrative Procedure Act (APA) 

with respect to unfair or deceptive acts 

or practices by motor vehicle dealers. To 

explore consumer protection issues 

pertaining to motor vehicle sales and 

leasing, the FTC is hosting a series of 

public roundtables in 2011. The 

roundtables will be held in three to five 

cities around the United States, starting 

in April 2011. The roundtables will 

provide an opportunity for regulators, 

consumer advocates, industry 

participants, and other interested parties 

to discuss consumer protection issues in 

connection with motor vehicle sales and 

leasing. This notice addresses various 

topics and questions that the 

Commission expects to discuss at the 

first roundtable. This notice also 

provides an opportunity for comment. 

DATES: The first roundtable will occur 

on April 12, 2011. Dates for the 

additional roundtables to be held in 

2011 will be posted on the FTC Web site 

at http://www.ftc.gov. Requests to 

participate as a panelist for the first 

roundtable, and any written comments 

on roundtable topics, must follow the 

instructions provided below under 

SUPPLEMENTARY INFORMATION and be 

received by March 28, 2011, to be 

considered in preparing for the 

roundtable. 

ADDRESSES: The first roundtable will be 

held at Wayne State University Law 

School, in Detroit, Michigan on April 

12, 2011. Further information about all 

of the roundtables will be posted on the 

FTC=s Web site at http://www.ftc.gov. 

All of the roundtables will be free and 

open to the public. Those who plan to 

attend a roundtable are encouraged to 

preregister by sending an email listing 

their name and affiliation to Preregister

MotorVehicleRoundtables1@ftc.gov. 

This information will be used for 

planning purposes only. Those who 

wish to participate as a panelist at a 

roundtable, and those who wish to 

submit comments, should follow the 

instructions in the SUPPLEMENTARY

INFORMATION section below. Whether or 

not selected to participate, persons may 

submit written comments on roundtable 

topics. 

FOR FURTHER INFORMATION CONTACT: 

Katherine Worthman or Carole 

Reynolds, Attorneys, Division of 

Financial Practices, Federal Trade 

Commission, 600 Pennsylvania Avenue, 

NW., Washington, DC 20580, (202) 326– 

3224. 

SUPPLEMENTARY INFORMATION: 

I. Background 

Having access to a motor vehicle is 

essential for many consumers to fulfill 

their daily obligations. However, 

purchasing or leasing a car is usually a 

substantial expense. For many 

consumers, aside from housing costs, a 

car purchase or lease is their most 

expensive financial transaction.1 With 

prices averaging more than $28,000 for 

a new vehicle and $14,000 for a used 

vehicle from a dealer, most consumers 

seek to lease or finance the purchase of 

a new or used car. Consumers may seek 

financing from their local bank or credit 

union, as well as from the dealer selling 

the vehicle. Financing obtained at the 

dealership, whether it is provided by a 

third party or directly by the dealer, 

may provide benefits for many 

consumers such as convenience, special 

manufacturer-sponsored programs, 

access to a variety of banks and 

financial entities, or access to credit 

otherwise unavailable to a buyer. 

Dealer-arranged financing, however, can 

be a complicated, opaque process and 

could potentially involve unfair or 

deceptive practices. 

As the nation’s consumer protection 

agency,2 the Commission is committed 

to protecting consumers in connection 

with these financial transactions. 


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Federal Register / Vol. 76, No. 50 / Tuesday, March 15, 2011 / Notices 14015 

3These matters were generally resolved by 

consent agreements. See, e.g., In re Simmons 

Rockwell Ford Mercury, Inc., F.T.C. Dkt. No. C– 

3950 (2000); In re R.N. Motors, Inc., F.T.C. Dkt. No. 

C–3947 (2000); In re Dunphy Nissan, Inc., F.T.C. 

Dkt. No. C–3924 (2000); and In re Bill Crouch 

Foreign, Inc., 96 F.T.C. 111 (1980). For additional 

information regarding recent FTC activities in the 

motor vehicle area, see Prepared Statement of the 

Federal Trade Commission on AConsumer 

Protection in the Used and Subprime Car Market@: 

Hearing Before the House Committee on Energy and 

Commerce, Subcommittee on Commerce, Trade, 

and Consumer Protection, Mar. 5, 2009, available 

at http://www.ftc.gov/opa/2009/03/autotest.shtm. 

4See, e.g., In re Bob Rice Ford, Inc., 96 F.T.C. 18 

(1980). 

5See, e.g., FTC v. Voice Touch, Inc., No. 

1:09CV2929 (N.D. Ill. 2010). 

6Public Law 111–203, 124 Stat. 1376 (July 21, 

2010) (to be codified in scattered titles and sections 

of the U.S. Code). 

7 5 U.S.C. 553. 

8See Dodd-Frank Act § 1029(d). The term ‘‘motor 

vehicle dealer’’ refers to ‘‘any person or resident in 

the United States, or any territory of the United 

States, who (A) is licensed by a State, a territory of 

the United States, or the District of Columbia to 

engage in the sale of motor vehicles; and (B) takes 

title to, holds an ownership in, or takes physical 

custody of motor vehicles.’’ Dodd-Frank Act 

§ 1029(f)(2). The term ‘‘motor vehicle’’ includes, 

among other things, motorcycles, motor homes, 

recreational vehicle trailers, recreational boats and 

marine equipment, and other vehicles titled and 

sold through dealers. See Dodd-Frank Act 

§ 1029(f)(1). 

9 Dodd-Frank Act § 1029(f)(1). 

10 Id. § 1029(a) and (c). Section 1029(a) of the 

Dodd-Frank Act provides that, ‘‘(e)xcept as 

permitted in subsection (b), the Bureau may not 

exercise any rulemaking, supervisory, enforcement 

or any other authority, including any authority to 

order assessments, over a motor vehicle dealer that 

is predominantly engaged in the sale and servicing 

of motor vehicles, the leasing and servicing of 

motor vehicles, or both.’’ Section 1029(c) provides 

that ‘‘nothing in this title, including subtitle F, shall 

be construed as modifying, limiting, or superseding 

the operation of any provision of Federal law, or 

otherwise affecting the authority of the Board of 

Governors, the Federal Trade Commission, or any 

other Federal agency, with respect to a person 

described in subsection (a).’’ 

11 Id. § 1029(b)(2) (‘‘Subsection (a) shall not apply 

to any person, to the extent that such person . . . 

operates a line of business—(A) that involves the 

extension of retail credit or retail leases involving 

motor vehicles; and (B) in which—(i) the extension 

of retail credit or retail leases are provided directly 

to consumers; and (ii) the contract governing such 

extension of retail credit or retail leases is not 

routinely assigned to an unaffiliated third party 

finance or leasing source.’’). Motor vehicle dealers 

that do not routinely assign credit contracts to 

unaffiliated parties often are referred to as ‘‘buy 

here, pay here’’ dealers. 

12See id. § 1029(d). Under the Dodd-Frank Act, 

the FTC’s APA rulemaking authority becomes 

effective as of the designated ‘‘transfer date.’’ See 

Dodd-Frank Act § 1029A. The CFPB and 

Department of Treasury have set July 21, 2011 as 

the transfer date. See 75 FR 57252 (Sept. 20, 2010). 

13See supra notes 2, 8 and 10. 

14However, the Commission is interested in 

issues that pertain to all types of motor vehicles, as 

defined by the Dodd-Frank Act, and welcomes 

comments on all such topics. See supra note 8. 

15 ‘‘Buy here, pay here’’ dealers typically provide 

financing directly or through an in-house finance 

company. ‘‘Buy here, pay here’’ dealerships tend to 

operate in the subprime credit area. In some 

regions, ‘‘lease here, pay here’’ dealerships may 

provide leases to consumers, through similar 

programs. 

16 In many states, a dealer may deliver a vehicle 

to a consumer pending approval of the consumer’s 

financing (a practice known as ‘‘spot delivery’’). In 

general terms, ‘‘yo-yo financing’’ refers to a spot 

delivery in which the dealer apprises a consumer 

that the dealer has secured or expects to secure a 

particular interest rate and other terms for financing 

the sale. Days after the consumer has signed the 

purchase or credit documents and driven home in 

the newly purchased motor vehicle, the dealer 

contacts the consumer with information that the 

financing ‘‘fell through’’ and the consumer must 

return to the dealership. Upon the consumer’s 

return, the consumer learns he or she now must pay 

a higher interest rate and higher monthly payments 

to finance the purchase. 

Throughout the years, the FTC has 

undertaken substantial efforts to fulfill 

this commitment in connection with the 

sale, financing, and leasing practices of 

motor vehicle dealers. For example, the 

agency has brought numerous 

enforcement actions addressing: 

• Deceptive advertising by motor 

vehicle dealers regarding purchase, 

loan, or lease terms or costs, as well as 

add-on products; 3

• Auto warranty issues by, among 

other things, enforcing the MagnusonMoss Warranty-Federal Trade 

Commission Improvement Act and its 

implementing rules concerning the 

disclosure and pre-sale availability of 

warranty terms; 4 and 

• Deceptive claims by auto warranty 

robocallers.5

On July 21, 2010, President Obama 

signed the Dodd-Frank Wall Street 

Reform and Consumer Protection Act 

(Dodd-Frank Act).6 Pursuant to the 

Dodd-Frank Act, the FTC is authorized 

to prescribe rules under Section 553 of 

the Administrative Procedure Act 

(APA) 7 with respect to unfair or 

deceptive acts or practices by motor 

vehicle dealers.8 Under Section 1029 of 

the Dodd-Frank Act, the Commission 

retains all of its enforcement authority 

over motor vehicle dealers.9 The FTC’s 

authority is exclusive as to motor 

vehicle dealers that routinely assign 

credit contracts to unaffiliated third 

parties,10 and concurrent with the new 

CFPB as to dealers that do not.11

The Dodd-Frank Act also authorizes 

the FTC to prescribe rules using APA 

procedures with respect to unfair or 

deceptive acts or practices by motor 

vehicle dealers.12 The motor vehicle 

roundtables are intended to inform the 

Commission regarding what consumer 

protection issues, if any, exist that could 

be addressed through a possible 

rulemaking or other initiatives. 

II. Roundtable Goals and Topics for 

Comment 

Consistent with the Commission’s 

authority under the Dodd-Frank Act, 

and other consumer protection statutes 

that it enforces,13 the agency will 

conduct a series of roundtables to gather 

more information on consumer 

protection issues in connection with 

motor vehicle sales, financing, and 

leasing to assess the propriety of 

promulgating a rule or conducting other 

initiatives. The roundtables will focus 

primarily on cars (including 

automobiles, SUVs, and light trucks) 

because those are the vehicles 

consumers most often use.14

The FTC staff is seeking public 

comment on a number of topics listed 

below, which will be discussed at the 

roundtables. Of particular interest to the 

FTC staff is data and empirical evidence 

supporting comments provided in 

response to this request. 

(1) What categories of motor vehicle 

dealers (i.e. ‘‘franchise,’’ ‘‘independent,’’ 

and/or ‘‘buy here, pay here’’ 15) offer 

credit or leases to consumers? Do these 

different categories of dealers offer 

different types, or terms, of credit or 

leasing to consumers? If so, in what 

manner and under what terms? 

(2) What types of financing and 

leasing are offered to consumers today? 

Who are the typical consumers for each 

type of product? 

(3) What practices involving motor 

vehicle dealers raise consumer 

protection issues? How prevalent are 

these practices in the industry as a 

whole or in any subset of the industry? 

(4) Do motor vehicle dealers engage in 

‘‘yo-yo financing?’’ 16 If so, please 

describe in detail how such a 

transaction occurs. Do these practices 

occur in leasing? How prevalent are 

these practices in the industry as a 

whole or in any subset of the industry? 

What types of entities are involved, and 

what role does each play? What types of 

consumers are impacted by these 

practices, and how? What are the costs 

and/or benefits to consumers of these 

practices? What are the incentives or 

benefits to dealers for engaging in these 

practices? Do consumers understand 

when they purchase and finance a car 

that there may be circumstances in 

which the financing terms, and monthly 

payments, could change? Is yo-yo 

financing sometimes combined with a 

practice whereby the dealer has sold the 

consumer’s trade-in before the 

consumer learns of the higher interest 

and/or payments from the dealer? 

(5) Do finance companies provide 

incentives or payments to motor vehicle 

dealers in exchange for consumers 

receiving more expensive credit? Does 

this practice occur in leasing? How 

prevalent is this practice in the industry 


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14016 Federal Register / Vol. 76, No. 50 / Tuesday, March 15, 2011 / Notices 

17 In this situation, a consumer may seek to trade 

in a vehicle for which the consumer owes more 

than the vehicle is worth. The dealer may accept 

the trade-in, but will include the negative equity 

(the amount owed) for the trade-in in the credit 

package for the newly-purchased vehicle, with or 

without further explanation to the consumer. This 

process can result in the consumer being in another 

‘‘upside-down’’ credit situation and owing higher 

monthly payments. 

18 ‘‘Packing’’ refers to a situation in which a dealer 

includes ‘‘add-ons’’ in the credit package for the sale 

or lease of a motor vehicle, which might be without 

the consumer’s understanding or at significantly 

inflated prices. The practice might include quoting 

monthly payments with the add-on amounts 

automatically rolled-into the dollar figure stated to 

the consumer. Such add-ons might include charges 

for products and services such as: rust proofing, 

undercoating, service agreements, extended 

warranty packages, credit life insurance, guaranteed 

auto protection (GAP, which refers to coverage for 

the difference between the amount the consumer 

owes on the loan and the current market value of 

the vehicle), and other products and services. 

19When consumers seek to purchase a vehicle, 

they may trade in a prior vehicle on which amounts 

are still owed. The consumer may seek to pay off 

the amounts owed by refinancing the outstanding 

amount owed on the prior vehicle into the credit 

agreement for the current vehicle being purchased. 

As part of the new credit agreement, the dealer is 

required to pay-off the amount owed and secure a 

release of the lien on the prior vehicle, so that the 

consumer is no longer liable for that debt. However, 

a dealer may fail to pay off the prior loan and secure 

a release of lien on the prior vehicle. As a result, 

the consumer could become liable for two credit 

agreements and two vehicles: the current one being 

purchased, and the prior vehicle that the consumer 

thought was being paid off but was not. 

as a whole or in any subset of the 

industry? How does this practice work? 

What types of entities are involved, and 

what role does each play? What types of 

consumers are impacted by this practice 

and how? What are the costs and/or 

benefits of this practice? Do consumers 

understand this practice, and to what 

extent does it affect consumers’ 

decisions to purchase and finance a 

motor vehicle? Is this an issue unique to 

the sale and financing of motor vehicles, 

or are there other industries where 

sellers may have incentives of which 

buyers are unaware and that may be 

contrary to buyers’ interests? If not, 

should the sale and financing of motor 

vehicles be treated differently from 

other industries, and why? 

(6) Do motor vehicle dealers 

misrepresent credit or lease terms to 

consumers? How prevalent is this 

practice in the industry as a whole or in 

any subset of the industry? What types 

of terms do dealers misrepresent and in 

what circumstances? Are other entities 

involved in these practices, and if so, 

which entities? 

(7) Do motor vehicle dealers charge 

interest rate mark-ups or up-front 

charges to consumers for credit or leases 

about which consumers are unaware? 

How prevalent is this practice in the 

industry as a whole or in any subset of 

the industry? How does this occur? Do 

consumers understand that dealer 

financing may include dealer mark-ups 

in addition to the cost of the credit or 

lease, and to what extent does this 

practice affect consumers’ decisions to 

purchase and finance a motor vehicle? 

Is this an issue unique to the sale and 

financing of motor vehicles or are there 

other industries where sellers charge 

mark-ups of which buyers are unaware 

and that may be contrary to buyers’ 

interests? If not, should the sale and 

financing of motor vehicles be treated 

differently from other industries, and 

why? 

(8) Is substantial negative equity from 

a prior purchase, or money owed on a 

prior lease, frequently rolled into 

consumers’ next vehicle purchases or 

leases? 17 What are the costs and/or 

benefits of this practice? How prevalent 

is this practice in the industry as a 

whole or in any subset of the industry? 

How does this occur? Do consumers 

understand when negative equity is 

rolled into the credit package of a newly 

purchased and financed vehicle? 

(9) Do motor vehicle dealers engage in 

credit or lease packing, such as by 

including amounts for credit insurance, 

guaranteed automobile protection 

(‘‘GAP’’), or other add-ons into payment 

amounts or other terms quoted to 

consumers? 18 How prevalent is this 

practice in the industry as a whole or in 

any subset of the industry? How does 

this occur? Do consumers understand 

this practice? 

(10) Do dealers include warranties, 

service contracts, and other add-ons in 

credit or lease contracts? How prevalent 

is this practice in the industry as a 

whole or in any subset of the industry? 

At what point in the sales process are 

these items included in the contracts? 

How does this practice occur? Do 

consumers understand this practice? 

(11) Do consumers experience 

discrimination on a prohibited basis as 

set forth in Section 701 of the Equal 

Credit Opportunity Act, 15 U.S.C. 1691, 

in motor vehicle financing or leasing? 

How prevalent is this practice in the 

industry as a whole or in any subset of 

the industry? Do interest rate mark-ups 

by motor vehicle dealers disparately 

impact any groups of consumers in 

violation of the ECOA? What other 

practices by motor vehicle dealers 

violate the ECOA? What data exists to 

measure compliance with the ECOA by 

motor vehicle dealers? What other 

information can motor vehicle dealers 

collect to assess ECOA compliance? 

(12) Do military personnel or their 

families face unique consumer 

protection concerns when purchasing 

motor vehicles? What practices cause 

those concerns? How prevalent are 

those concerns in the industry as a 

whole or in any subset of the industry? 

Do or can these concerns impact 

military readiness? What practices are 

involved? What steps have motor 

vehicle dealers, states, and consumer 

groups taken to address these practices? 

How successful have they been? 

(13) Do motor vehicle dealers fail to 

pay off liens or trade-ins or otherwise 

fail to transfer title at a sale? 19 How 

prevalent is this practice in the industry 

as a whole or in any subset of the 

industry? What are the reasons for 

failing to pay off a lien? What problems 

does this practice raise for consumers? 

What state laws exist to address this 

practice? 

(14) Do motor vehicle dealers use 

global positioning systems or similar 

devices to locate and track financed and 

leased cars? How prevalent is this 

practice in the industry as a whole or in 

any subset of the industry? What 

problems does this practice raise for 

consumers? Do consumers understand 

this practice? Does this practice affect 

accounts in default? For those 

consumers who have these devices 

installed on their cars, what is done 

with their route information? Do service 

providers retain this data? How do they 

use it? Does this practice raise privacy 

concerns? Do consumers understand 

that their vehicles could be tracked, and 

the extent to which they are being, or 

could be, tracked? 

(15) How do motor vehicle auction 

houses operate? Do consumer protection 

issues exist in connection with such 

auction houses? If so, which issues? 

III. Public Participation 

A. Registration Information 

The roundtables will involve 

discussion on the issues described 

above by those individuals selected to 

be panelists. A court reporter will be 

present to record the proceedings so that 

a transcript can be made for the public 

record. The roundtables are free and 

open to the public. FTC will accept preregistration for the roundtables. Preregistration is not necessary to attend, 

but is encouraged so that staff may 

better plan the event. To pre-register, 

please e-mail your name and affiliation 

to PreregisterMotorVehicle

Roundtables1@ftc.gov. When you preregister, the FTC collects your name, 

affiliation, and e-mail address. We will 

use this information to estimate how 

many people will attend and better 

understand the likely audience for the 


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Federal Register / Vol. 76, No. 50 / Tuesday, March 15, 2011 / Notices 14017 

20The comment must be accompanied by an 

explicit request for confidential treatment, 

including the factual and legal basis for the request, 

and must identify the specific portions of the 

comment to be withheld from the public record. 

The request will be granted or denied by the 

Commission’s General Counsel, consistent with 

applicable law and the public interest. See 16 CFR 

4.9(c). 

roundtables, and will dispose of it 

following the roundtables. We may use 

your e-mail address to contact you with 

information about the roundtable. The 

FTC Act and other laws the Commission 

administers permit the collection of this 

contact information to consider and use 

for the above purposes. Under the 

Freedom of Information Act or other 

laws, we may be required to disclose the 

information you provide to outside 

organizations. For additional 

information, including routine uses 

permitted by the Privacy Act, see the 

Commission’s privacy policy at http:// 

www.ftc.gov/ftc/privacy.shtm. 

B. Requests To Participate as a Panelist 

The format will consist of a 

roundtable with participation by 

panelists selected by FTC staff. FTC staff 

will identify and invite persons with 

relevant expertise to participate in the 

roundtables. In addition, the FTC staff 

may invite other persons to participate 

who submit requests in response to the 

Federal Register notice. Persons seeking 

to participate as panelists in the 

roundtables must notify the FTC in 

writing of their interest in participating 

on or before March 28, 2011. Requests 

to participate filed in an electronic form 

should be submitted by e-mail to: 

MotorVehicleRoundtables1@ftc.gov. 

Emails should be captioned ‘‘Motor 

Vehicle Roundtables—Request to 

Participate, Project No. P104811.’’ 

A request to participate as a panelist 

filed in paper form should also include 

the reference ‘‘Motor Vehicle 

Roundtables, Project No. P104811’’ both 

in the text of the comment and on the 

envelope, and should be mailed or 

delivered to the following address: 

Federal Trade Commission, Office of the 

Secretary, Room H–113 (Annex V), 600 

Pennsylvania Avenue, NW., 

Washington, DC 20580. The FTC is 

requesting that requests to participate 

filed in paper form be sent by courier or 

overnight service, if possible, because 

U.S. postal mail in the Washington, DC 

area and at the Commission is subject to 

delay due to heightened security 

precautions. 

C. Comments 

Interested parties are invited to 

submit written comments electronically 

or in paper form on the topics to be 

discussed at the roundtable. Submission 

of comments should be captioned 

‘‘Motor Vehicle Roundtables— 

Comment, Project No. P104811.’’ Please 

note that your comment—including 

your name and your state—will be 

placed on the public record of this 

proceeding, including on the publicly 

accessible FTC Web site, at http:// 

www.ftc.gov/os/publiccomments.shtm. 

Because comments will be made 

public, they should not include any 

sensitive personal information, such as 

any individual’s Social Security 

number; date of birth; driver’s license 

number or other state identification 

number, or foreign country equivalent; 

passport number; financial account 

number; or credit or debit card number. 

Comments also should not include any 

sensitive health information, such as 

medical records or other individually 

identifiable health information. In 

addition, comments should not include 

any ‘‘[t]rade secrets and commercial or 

financial information obtained from a 

person and privileged or confidential,’’ 

as provided in Section 6(f) of the FTC 

Act, 15 U.S.C. 46(f), and Commission 

Rule 4.10(a)(2), 16 CFR 4.10(a)(2). 

Comments containing material for 

which confidential treatment is 

requested must be filed in paper form, 

must be clearly labeled ‘‘Confidential,’’ 

and must comply with FTC Rule 4.9(c), 

16 CFR 4.9(c).20

Because paper mail addressed to the 

FTC is subject to delay due to 

heightened security screening, please 

consider submitting your comments in 

electronic form. Comments filed in 

electronic form should be submitted at 

https://ftcpublic.commentworks.com/

ftc/motorvehicleroundtables1 following 

the instructions on the web-based form. 

If this Notice appears at http://

www.regulations.gov/search/index.jsp, 

you may also file an electronic comment 

through that website. The Commission 

will consider all comments forwarded to 

it by regulations.gov. You may also visit 

the FTC Web site at http://www.ftc.gov 

to read the Notice and the news release 

describing it. 

A comment filed in paper form 

should include the reference ‘‘Motor 

Vehicle Roundtables, Project No. 

104811’’ both in the text of the comment 

and on the envelope, and should be 

mailed or delivered to the following 

address: Federal Trade Commission, 

Office of the Secretary, Room H–113 

(Annex V), 600 Pennsylvania Avenue, 

NW., Washington, DC 20580. The FTC 

is requesting that comments filed in 

paper form be sent by courier or 

overnight service, if possible, because 

U.S. postal mail in the Washington, DC 

area and at the Commission is subject to 

delay due to heightened security 

precautions. 

The FTC Act and other laws the 

Commission administers permit the 

collection of public comments to 

consider and use in this proceeding as 

appropriate. The Commission will 

consider all timely and responsive 

public comments it receives, whether 

filed in paper or electronic form. 

Comments received will be available to 

the public on the FTC website, to the 

extent practicable, at http:// 

www.ftc.gov/os/publics.htm. As a matter 

of discretion, the Commission makes 

every effort to remove home contact 

information of individuals before their 

comments are placed on the FTC Web 

site. More information, including 

routine uses permitted by the Privacy 

Act, may be found in the FTC’s privacy 

policy, at http://www.ftc.gov/ftc/ 

privacy.shtm. 

By direction of the Commission. 

Donald S. Clark, 

Secretary. 

[FR Doc. 2011–5873 Filed 3–14–11; 8:45 am] 

BILLING CODE 6750–01–P 

DEPARTMENT OF HEALTH AND 

HUMAN SERVICES 

Call for Comments on the Draft Report 

of the Adult Immunization Working 

Group to the National Vaccine 

Advisory Committee on Adult 

Immunization: Complex Challenges 

and Recommendations for 

Improvement; Correction 

AGENCY: Department of Health and 

Human Services, Office of the Secretary, 

Office of the Assistant Secretary for 

Health, National Vaccine Program 

Office. 

ACTION: Notice: correction. 

SUMMARY: The Department of Health and 

Human Services published a notice in 

the Federal Register of March 4, 2011, 

announcing a call for comment on the 

draft report of the Adult Immunization 

Working Group to the National Vaccine 

Advisory Committee. It was announced 

that the draft report and 

recommendations could be found on the 

Web at http://www.hhs.gov/nvpo/nvac/ 

subgroups/adultimmunization. The 

Web address where the draft report and 

recommendations can be found is 

http://www.hhs.gov/nvpo/nvac/

subgroups/adultimmunization.html. 

FOR FURTHER INFORMATION CONTACT: Ms. 

Lauren Wu, e-mail: lauren.wu@hhs.gov, 

phone: 202–690–1191. 


srobinson on DSKHWCL6B1PROD with NOTICES