Federal Register / Vol. 77, No. 78 / Monday, April 23, 2012 / Notices 24181 

B. Data collection improvement under 

the WPSAR framework 

C. Enhancing FDCC—a proposal for 

change 

10. Status of current budgets for data 

collection 

A. Identification of other sources of 

funding 

11. Other businesses 

12. Recommendations 

13. Next FDCC meeting schedule 

14. Adjourn 

Although non-emergency issues not 

contained in this agenda may come 

before this group for discussion, those 

issues may not be the subject of formal 

action during this meeting. Action will 

be restricted to those issues specifically 

listed in this notice and any issues 

arising after publication of this notice 

that require emergency action under 

section 305(c) of the Magnuson-Stevens 

Fishery Conservation and Management 

Act, provided the public has been 

notified of the Council’s intent to take 

final action to address the emergency. 

Special Accommodations 

The meeting is physically accessible 

to people with disabilities. Requests for 

sign language interpretation or other 

auxiliary aids should be directed to 

Kitty M. Simonds, (808) 522–8220 

(voice) or (808) 522–8226 (fax), at least 

5 days prior to the meeting date. 

Authority: 16 U.S.C. 1801 et seq. 

Dated: April 17, 2012. 

Tracey L. Thompson, 

Acting Director, Office of Sustainable 

Fisheries, National Marine Fisheries Service. 

[FR Doc. 2012–9603 Filed 4–20–12; 8:45 am] 

BILLING CODE 3510–22–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Submission for OMB Review; 

Comment Request 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for 

comments. 

SUMMARY: The Bureau of Consumer 

Financial Protection (Bureau), as part of 

its continuing effort to reduce 

paperwork and respondent burden, 

invites the general public and other 

Federal agencies to take this 

opportunity to comment on proposed 

and/or continuing information 

collections, as required by the 

Paperwork Reduction Act of 1995, 

Public Law 104–13 (44 U.S.C. 

3507(a)(1)(D)). The Bureau is soliciting 

comments regarding the information 

collection requirements relating to the 

Mortgage Assistance Relief Services that 

have been submitted to the Office of 

Management and Budget for review and 

approval. A copy of the submission may 

be obtained by contacting the agency 

contact listed below. 

DATES: Written comments are 

encouraged and must be received on or 

before May 23, 2012 to be assured of 

consideration. 

ADDRESSES: You may submit comments, 

identified by OMB number 3170–0007, 

by any of the following methods: 

• Agency Contact: Consumer 

Financial Protection Bureau (Attention: 

PRA Office), 1700 G Street NW., 

Washington, DC, 20552: (202) 435–7741: 

CFPB_Public_PRA@cfpb.gov. 

• OMB Reviewer: Shagufta Ahmed, 

Office of Management and Budget, New 

Executive Office Building, Room 10235, 

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

FOR FURTHER INFORMATION CONTACT: 

Requests for additional information 

should be directed to Joseph Durbala, 

(202) 435–7893, at the Consumer 

Financial Protection Bureau, (Attention: 

Joseph Durbala, PRA Office) 1700 G 

Street NW., Washington, DC 20552, or 

through the internet at 

CFPB_Public_PRA@cfpb.gov. 

SUPPLEMENTARY INFORMATION: 

Title: Mortgage Assistance Relief 

Services (Regulation O) 12 CFR Part 

1015. 

OMB Number: 3170–0007. 

Abstract: The required disclosures 

under Regulation O assist prospective 

purchasers of mortgage assistance relief 

services (MARS) in making well 

informed decisions and avoiding 

deceptive and unfair acts and practices. 

The information that must be kept 

under Regulation O’s recordkeeping 

requirements is used by the CFPB and 

other relevant agencies for enforcement 

purposes and to ensure compliance by 

MARS providers with Regulation O. The 

information is requested only on a caseby-case basis. 

Type of Review: Extension of a 

currently approved collection. 

Affected Public: Businesses or other 

for profits. 

Estimated Number of Responses: 

1,000. 

Estimated Time per Response: 32 

hour 30 minutes. 

Estimated Total Annual Burden 

Hours: 32,500. 

Dated: April 6, 2012. 

Chris Willey, 

Chief Information Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2012–9642 Filed 4–20–12; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Submission for OMB Review; 

Comment Request 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for 

comments. 

SUMMARY: The Bureau of Consumer 

Financial Protection (Bureau), as part of 

its continuing effort to reduce 

paperwork and respondent burden, 

invites the general public and other 

Federal agencies to take this 

opportunity to comment on proposed 

and/or continuing information 

collections, as required by the 

Paperwork Reduction Act of 1995, 

Public Law 104–13 (44 U.S.C. 

3507(a)(1)(D)). The Bureau is soliciting 

comments regarding the information 

collection requirements relating to the 

Mortgage Acts and Practices that have 

been submitted to the Office of 

Management and Budget for review and 

approval. A copy of the submission may 

be obtained by contacting the agency 

contact listed below. 

DATES: Written comments are 

encouraged and must be received on or 

before May 23, 2012 to be assured of 

consideration. 

ADDRESSES: You may submit comments, 

identified by OMB number 3170–0009, 

by any of the following methods: 

• Agency Contact: Consumer 

Financial Protection Bureau (Attention: 

PRA Office), 1700 G Street NW., 

Washington, DC 20552: (202) 435–7741: 

CFPB_Public_PRA@cfpb.gov. 

• OMB Reviewer: Shagufta Ahmed, 

Office of Management and Budget, New 

Executive Office Building, Room 10235, 

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

FOR FURTHER INFORMATION CONTACT: 

Requests for additional information 

should be directed to Joseph Durbala, 

(202) 435–7893, at the Consumer 

Financial Protection Bureau, (Attention: 

Joseph Durbala, PRA Office) 1700 G 

Street NW., Washington, DC 20552, or 

through the internet at 

CFPB_Public_PRA@cfpb.gov. 

SUPPLEMENTARY INFORMATION: 

Title: Mortgage Acts and Practices 

(Regulation N) 12 CFR part 1014. 

OMB Number: 3170–0009. 

Abstract: The Omnibus 

Appropriations Act, as clarified by 

Section 511 of the Credit CARD Act, and 

as amended by Section 1097 of the 

Dodd-Frank Act directs the CFPB to 

issue rules that ‘‘relate to unfair or 

deceptive acts or practices’’ regarding 

mortgage loans. Regulation N prohibits 


rmajette on DSK2TPTVN1PROD with NOTICES
24182 Federal Register / Vol. 77, No. 78 / Monday, April 23, 2012 / Notices 

misrepresentations about the terms of 

mortgage credit products in commercial 

communications and requires that 

covered persons keep certain related 

records for a period of twenty-four (24) 

months from last dissemination. 

Specifically, Regulation N requires 

covered persons to retain: (1) Copies of 

all materially different commercial 

communications disseminated, 

including but not limited to sales 

scripts, training materials, related 

marketing materials, Web sites, and 

weblogs; (2) documents describing or 

evidencing all mortgage credit products 

available to consumers during the time 

period in which each commercial 

communication was disseminated, 

including but not limited to the names 

and terms of each such mortgage credit 

product available to consumers; and (3) 

documents describing or evidencing all 

additional products or services (such as 

credit insurance or credit disability 

insurance) that are or may be offered or 

provided with the mortgage credit 

products available to consumers during 

the time period in which each 

commercial communication was 

disseminated, including but not limited 

to the names and terms of each such 

additional product or service available 

to consumers. A failure to keep such 

records is a violation of Regulation N. 

The information that Regulation N 

requires covered persons to retain is 

necessary to ensure efficient and 

effective law enforcement to address 

deceptive practices that occur in the 

mortgage advertising area. To gauge 

whether covered persons are complying 

with Regulation N or making prohibited 

misrepresentations, it is necessary to 

review the commercial communications 

that were disseminated and the 

information about the mortgage credit 

products and relevant additional 

products or services available during the 

time period in which each commercial 

communication was disseminated. 

Furthermore, a strong recordkeeping 

provision is necessary to foster effective 

enforcement of Regulation N. 

Type of Review: Extension of a 

currently approved collection. 

Affected Public: Businesses or other 

for profits. 

Estimated Number of Responses: 

1,300,000. 

Estimated Time per Response: 3 

hours. 

Estimated Total Annual Burden 

Hours: 3,900,000. 

Dated: April 6, 2012. 

Chris Willey, 

Chief Information Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2012–9643 Filed 4–20–12; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Submission for OMB Review; 

Comment Request 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for 

comments. 

SUMMARY: The Bureau of Consumer 

Financial Protection (Bureau), as part of 

its continuing effort to reduce 

paperwork and respondent burden, 

invites the general public and other 

Federal agencies to take this 

opportunity to comment on proposed 

and/or continuing information 

collections, as required by the 

Paperwork Reduction Act of 1995, 

Public Law 104–13 (44 U.S.C. 

3507(a)(1)(D)). The Bureau is soliciting 

comments regarding the information 

collection requirements relating to the 

Consumer Leasing Act (CLA) 

enforcement actions that have been 

submitted to the Office of Management 

and Budget for review and approval. A 

copy of the submission may be obtained 

by contacting the agency contact listed 

below. 

DATES: Written comments are 

encouraged and must be received on or 

before May 23, 2012 to be assured of 

consideration. 

ADDRESSES: You may submit comments, 

identified by OMB approval No. 3170– 

0006, by any of the following methods: 

• Agency Contact: Consumer 

Financial Protection Bureau (Attention: 

PRA Office), 1700 G Street NW., 

Washington, DC 20552: (202) 435–7741: 

CFPB_Public_PRA@cfpb.gov. 

• OMB Reviewer: Shagufta Ahmed, 

Office of Management and Budget, New 

Executive Office Building, Room 10235, 

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

FOR FURTHER INFORMATION CONTACT: 

Requests for additional information 

should be directed to Joseph Durbala, 

(202) 435–7893, at the Consumer 

Financial Protection Bureau, (Attention: 

Joseph Durbala, PRA Office) 1700 G 

Street NW., Washington, DC 20552, or 

through the internet at CFPB_Public_

PRA@cfpb.gov. 

SUPPLEMENTARY INFORMATION: 

Title: Consumer Leasing Act 

(Regulation M) 12 CFR part 1013. 

OMB Number: 3170–0006. 

Abstract: Federal and state 

enforcement and private litigants use 

the records to ascertain whether 

accurate and complete disclosures of the 

cost of leases have been provided to 

consumers prior to consummation of the 

lease. This information provides the 

primary evidence of law violations in 

Consumer Leasing Act (CLA) 

enforcement actions brought by Federal 

agencies. Without Regulation M’s 

recordkeeping requirement, the 

agencies’ ability to enforce the CLA 

would be significantly impaired. As 

noted above, consumers rely upon the 

disclosures required by the CLA and 

Regulation M for information to 

comparison shop among leases, as well 

as to ascertain the true costs and terms 

of lease offers. Enforcement agencies 

and private litigants need the 

information in these disclosures and 

other requirements to enforce the CLA 

and Regulation M. 

Type of Review: Extension of a 

currently approved collection. 

Affected Public: Businesses or other 

for profits. 

Estimated Number of Responses: 

67,858. 

Estimated Time per Response: 1 hour 

28 minutes. 

Estimated Total Annual Burden 

Hours: 100,058. 

Dated: April 6, 2012. 

Chris Willey, 

Chief Information Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2012–9641 Filed 4–20–12; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Submission for OMB Review; 

Comment Request 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for 

comments. 

SUMMARY: The Bureau of Consumer 

Financial Protection (Bureau), as part of 

its continuing effort to reduce 

paperwork and respondent burden, 

invites the general public and other 

Federal agencies to take this 

opportunity to comment on proposed 

and/or continuing information 

collections, as required by the 

Paperwork Reduction Act of 1995, 

Public Law 104–13 (44 U.S.C. 

3507(c)(2)(A)). The Bureau is soliciting 

comments regarding the information 

collection requirements relating to the 

Real Estate Settlement Procedures Act 


rmajette on DSK2TPTVN1PROD with NOTICES