This section of the FEDERAL REGISTER

contains documents other than rules or

proposed rules that are applicable to the

public. Notices of hearings and investigations,

committee meetings, agency decisions and

rulings, delegations of authority, filing of

petitions and applications and agency

statements of organization and functions are

examples of documents appearing in this

section.

Notices Federal Register

59379 

Vol. 76, No. 186 

Monday, September 26, 2011 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Proposed Information Collection; 

Comment Request; Generic Clearance 

for Research in Development of 

Disclosure Forms 

September 20, 2011. 

Summary: The Bureau of Consumer 

Financial Protection (‘‘CFPB’’) will 

submit a Generic Information Collection 

Request (Generic ICR): ‘‘Generic 

Clearance for Research in Development 

of Disclosure Forms’’ to OMB for review 

and clearance under the Paperwork 

Reduction Act of 1995, 44 U.S.C. 3501 

et seq. on or after the date of publication 

of this notice. Copies of the 

submission(s) may be obtained by 

calling the agency contact listed below. 

Comments regarding this information 

collection should be addressed to the 

OMB reviewer listed and to the 

Treasury Department Clearance Officer, 

Department of the Treasury, Room 

11010, 1750 Pennsylvania Avenue, 

NW., Washington, DC 20220. 

DATES: Written comments should be 

received on or before October 26, 2011 

to be assured of consideration. 

OMB Number: 1505–XXXX. 

Type of Review: Generic Clearance 

Request. 

Title: Generic Clearance for Research 

in Development of Disclosure Forms. 

Abstract: The Dodd-Frank Wall Street 

Reform and Consumer Protection Act, 

Public Law 111–203, Title X, requires 

the CFPB to develop model forms that 

integrate separate disclosures 

concerning residential mortgage loans 

that are required under the Truth in 

Lending Act (‘‘TILA’’) and Real Estate 

Settlement Procedures Act (‘‘RESPA’’). 

The development of the integrated 

disclosures will involve qualitative 

testing of the disclosures given in 

connection with consummation of the 

transaction and may involve testing of 

additional disclosures required by TILA 

and RESPA during the shopping, 

application, and origination process. In 

addition, the CFPB may perform 

qualitative testing of other model 

disclosures or materials related to the 

integrated mortgage loan disclosures, 

such as instructions for loan originators, 

tools to assist consumers in 

understanding the disclosures and loan 

products and features, other mortgage 

loan-related disclosures, and of industry 

usability. Additionally, the CFPB 

anticipates engaging the public to obtain 

feedback about the draft integrated 

mortgage loan disclosures and related 

materials before formal notice and 

comment of proposed rules. 

The CFPB will collect qualitative data 

through a variety of collection methods, 

which may include interviews, focus 

groups and the Internet, to inform its 

design and development of the 

mandated integrated disclosures and 

their implementation. The information 

collected through qualitative evaluation 

methods will inform the disclosure 

form’s design and content, using an 

iterative process to improve the draft 

form to make it easier for consumers to 

use the document to identify the terms 

of the loan, compare among different 

loan products, and understand the final 

terms and costs of the loan transaction. 

The research will result in 

recommendations for development of 

and revisions to disclosure forms and 

related materials provided to consumers 

in connection with obtaining mortgage 

loans. The research activities will be 

conducted primarily by external 

contractors employing cognitive 

psychological testing methods. This 

approach has been demonstrated to be 

feasible and valuable by other agencies 

in developing disclosures and other 

forms. The planned research activities 

will be conducted during FY 2012 

through FY 2014 with the goal of 

creating effective disclosures and 

related materials for consumers. 

Affected Public: Individuals, 

businesses or other for-profit 

institutions, and not-for-profit 

institutions. 

Estimated Total Annual Burden Hours 

Annual Number of Respondents: 

34,900. 

Average Minutes per Response: 7 

minutes. 

Annual Burden Hours: 3544. 

Comments are invited on: (a) Whether 

the collection of information shall have 

practical utility; (b) the accuracy of the 

agency’s estimate of the burden of the 

collection of information (including 

hours and costs); (c) ways to enhance 

the quality, utility, and clarity of the 

information to be collected; and (d) 

ways to minimize the burden of the 

collection of information on 

respondents, including through the use 

of automated collection techniques on 

other forms of information technology. 

All comments will be a matter of public 

record. 

Agency Contact: Richard Horn, 

Bureau of Consumer Financial 

Protection, 1801 L Street, NW., 

Washington, DC 20036; (202) 435–7406. 

OMB Reviewer: Shagufta Ahmed, 

Office of Management and Budget, New 

Executive Office Building, Room 10235, 

Washington, DC 20503. (202) 395–7873. 

Robert Dahl, 

Treasury PRA Clearance Officer. 

[FR Doc. 2011–24578 Filed 9–23–11; 8:45 am] 

BILLING CODE P 

DEPARTMENT OF AGRICULTURE 

Food and Nutrition Service 

Agency Information Collection 

Activities: Proposed Collection; 

Comment Request—National Universal 

Product Code (UPC) Database 

AGENCY: Food and Nutrition Service 

(FNS), USDA. 

ACTION: Notice. 

SUMMARY: In accordance with the 

Paperwork Reduction Act of 1995, this 

notice invites the general public and 

other public agencies to comment on 

this proposed information collection. 

This collection is a revision of a 

currently approved collection for the 

development and maintenance of a 

central repository containing 

information about authorized WIC foods 

as approved by various WIC State 

agencies. 

DATES: Written comments must be 

received on or before November 25, 

2011. 

ADDRESSES: Comments are invited on: 

(a) Whether the proposed collection of 

information is necessary for the proper 

performance of the functions of the 

agency, including whether the 

information shall have practical utility; 

(b) the accuracy of the agency’s estimate 

of the burden of the proposed collection 


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