25440 Federal Register / Vol. 77, No. 83 / Monday, April 30, 2012 / Notices 

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 

Interstate Land Sales Full Disclosure 

Act 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 30, 2012 to be assured of 

consideration. 

ADDRESSES: You may submit comments, 

identified by OMB number 3170–0012, 

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: Interstate Land Sales Full 

Disclosure Act (Regulations J, K, and L) 

12 CFR Part 1010. 

OMB Number: 3170–0012. 

Abstract: The respondents are land 

developers (or attorneys or others who 

work for them). Developers must submit 

an initial Statement of Record 

(registration) to the CFPB and receive an 

effective date before they can offer lots 

for sale or lease. The Statement of 

Record includes the proposed property 

report and additional information and 

documents that support the developer’s 

disclosures in the property report. The 

developer is responsible for ensuring 

that the registration is accurate and does 

not omit information needed for a 

purchaser to make an informed 

decision. Developers must give 

purchasers an effective property report 

before the purchaser signs the sales 

contract. Developers must submit 

amendments to their registrations if any 

information in their initial registration 

changes. They must also submit a 

consolidated filing if they offer 

additional lots for sale. Each year the 

developer must submit an annual 

financial statement and an annual report 

that is prepared in the format required 

by Section 1010.310 of the regulations. 

A developer may voluntarily suspend 

his registration by submitting a 

Voluntary Suspension form or through 

the Annual Report. There are no other 

forms. The CFPB conducts a facial 

review of the submissions. The 

developer may request an Advisory 

Opinion if a developer has questions 

about the applicability of one of the 

exemptions from registration. A CFPB 

determination is required only if a 

developer claims an exemption from 

registration under the multiple site or 

substantial compliance exemption. The 

other 24 exemptions are selfdetermining. Finally, the CFPB may 

require additional information from 

developers in response to investigations 

of complaints. The Voluntary 

Suspension form is voluntary and is a 

convenient way for developers to 

voluntarily suspend their registration. 

The form is not required and is not the 

only way that developers may close 

their registration. They may also end 

their registration through their annual 

report. 

Type of Review: Extension of a 

currently approved collection. 

Affected Public: Businesses or other 

for profits. 

Estimated Number of Responses: 

88,887. 

Estimated Time per Response: 23 

minutes. 

Estimated Total Annual Burden 

Hours: 34,563. 

Dated: April 6, 2012. 

Chris Willey, 

Chief Information Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2012–10285 Filed 4–27–12; 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 

Truth in Lending Act 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 30, 2012 to be assured of 

consideration. 

ADDRESSES: You may submit comments, 

identified by OMB number 3170–0015, 

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: 

Truth in Lending Act (Regulation Z) 12 

CFR Part 1026. 

OMB Number: 3170–0015. 

Abstract: Federal and state 

enforcement agencies and private 

litigants use records retained under the 

requirement of Regulation Z to ascertain 

whether accurate and complete 

disclosures of the cost of credit have 

been provided to consumers prior to 

consummation of the credit obligation 

and, in some instances, during the loan 

term. The information is also used to 

determine whether other actions 

required under the TILA, including 

complying with billing error resolution 

procedures and limitation of consumer 

liability for unauthorized use of credit, 

have been met. The information 

retained provides the primary evidence 

of law violations in TILA enforcement 

actions brought by Federal agencies. 

Without the Regulation Z recordkeeping 

requirement, the agencies’ ability to 

enforce the TILA would be significantly 

impaired. As noted above, consumers 

rely on the disclosures required by the 

TILA and Regulation Z to shop among 

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Federal Register / Vol. 77, No. 83 / Monday, April 30, 2012 / Notices 25441 

options and to facilitate informed credit 

decision making. Without this 

information, consumers would be 

severely hindered in their ability to 

assess the true costs and terms of 

financing offered. Also, without the 

special billing error information, 

consumers would be unable to detect 

and correct errors or fraudulent charges 

on their open-end credit accounts. 

Additionally, enforcement agencies and 

private litigants need the information in 

these disclosures to enforce the TILA 

and Regulation Z. See 15 U.S.C. 1607, 

1640. 

Affected Public: Businesses or other 

for profits. 

Estimated Number of Responses: 

201,389,041. 

Estimated Time per Response: 2 

Minutes. 

Estimated Total Annual Burden 

Hours: 6,467,000. 

Dated: April 6, 2012. 

Chris Willey, 

Chief Information Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2012–10283 Filed 4–27–12; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Proposed Collection; Comment 

Request 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for comment. 

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. 

3506(c)(2)(A)). Currently, the Bureau is 

soliciting comments concerning the 

information collection efforts relating to 

streamlining inherited regulations. 

DATES: Written comments should be 

received on or before June 29, 2012 to 

be assured of consideration. 

ADDRESSES: You may submit comments 

by any of the following methods: 

• Electronic: 

CFPB_Public_PRA@cfpb.gov. 

• Mail/Hand Delivery/Courier: Direct 

all written comments to Consumer 

Financial Protection Bureau, (Attention: 

PRA Office), 1700 G Street NW., 

Washington, DC 20552. 

Instructions: 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 

a.m. and 5 p.m. Eastern Time. You can 

make an appointment to inspect 

comments by telephoning (202) 435– 

7275. All comments, including 

attachments and other supporting 

materials, will become part of the public 

record and subject to public disclosure. 

You should only submit information 

that you wish to make available 

publicly. 

FOR FURTHER INFORMATION CONTACT: 

Requests for additional information or 

copies of the documents contained 

under this approval number should be 

directed to R. Joseph Durbala, (202) 

435–7893, at the Consumer Financial 

Protection Bureau, (Attention: R. Joseph 

Durbala, PRA Office),1700 G Street NW., 

Washington, DC 20552, or through the 

internet at CFPB_Public_PRA@cfpb.gov. 

SUPPLEMENTARY INFORMATION: 

Title: Streamlining Inherited 

Regulations. 

OMB Number: 3170–0020. 

Form Number: N/A. 

Abstract: The purpose of this data 

collection is to help the Bureau identify 

priority areas for such streamlining. The 

Bureau’s effort to identify and address 

such priorities is and will continue to be 

based in part on guidance provided by 

the Office of Management and Budget 

Memorandum for the Heads of 

Independent Regulatory Agencies, 

M–11–28, ‘‘Executive Order 13579, 

‘Regulation and Independent Regulatory 

Agencies’’’ (July 22, 2011). That 

guidance discusses the importance of 

opportunities for public participation in 

the development of any retrospective 

analysis plan. Consistent with this 

guidance, the Bureau seeks to reach 

interested parties through two 

mechanisms. The first mechanism is a 

Federal Register notice. On December 5, 

2011, a notice titled ‘‘Streamlining 

Inherited Regulations’’ was published in 

the Federal Register. The notice seeks 

comment in writing, or through the 

regulations.gov Web site. The data 

collection for which the Bureau now 

seeks approval would be the second 

mechanism. In order to reach 

respondents that might not be inclined 

to respond to the Federal Register 

notice, the Bureau seeks to collect input 

from interested parties through a 

specialized web tool on the CFPB Web 

site. 

Current Actions: There is no change 

in the paperwork burden previously 

approved by OMB. This form is being 

submitted for renewal purposes only. 

Type of Review: Extension of a 

currently approved collection. 

Affected Public: Individuals and 

Households. 

Estimated Number of Responses: 500. 

Estimated Time per Respondent: 1 

hour. 

Estimated Total Annual Burden 

Hours: 500. 

The following paragraph applies to all 

of the collections of information covered 

by this notice: 

An agency may not conduct or 

sponsor, and a person is not required to 

respond to, a collection of information 

unless the collection of information 

displays a valid OMB control number. 

Request for Comments: Comments 

submitted in response to this notice will 

be summarized and/or included in the 

request for OMB approval. All 

comments will become a matter of 

public record. Comments are invited on: 

(a) Whether the 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 collection of 

information, including the validity of 

the methodology and the assumptions 

used; (c) ways to enhance the quality, 

utility, and clarity of the information to 

be collected; and (d) ways to minimize 

the burden of the collection of 

information on respondents, including 

through the use of automated collection 

techniques or other forms of information 

technology. 

Dated: April 9, 2012. 

Chris Willey, 

Chief Information Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2012–10284 Filed 4–27–12; 8:45 am] 

BILLING CODE 4810–AM–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

Revised Non-Foreign Overseas Per 

Diem Rates 

AGENCY: Per Diem, Travel and 

Transportation Allowance Committee, 

DoD. 

ACTION: Notice of revised non-foreign 

overseas per diem rates. 

SUMMARY: The Per Diem, Travel and 

Transportation Allowance Committee is 

publishing Civilian Personnel Per Diem 

Bulletin Number 281. This bulletin lists 

revisions in the per diem rates 

prescribed for U.S. Government 

employees for official travel in Alaska, 

Hawaii, Puerto Rico, the Northern 

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