Federal Register / Vol. 77, No. 83 / Monday, April 30, 2012 / Notices 25437 

missions involve underwater 

detonations of small, live explosive 

charges adjacent to inert mines. The 

NEODS may conduct up to eight twoday demolition training events 

annually; these missions may occur at 

any time of the year. Each demolition 

training event involves a maximum of 

five detonations. Up to 20 five-pound 

(lb) charges (five lbs net explosive 

weight [NEW] per charge) and 20 ten-lb 

charges (ten lbs NEW per charge) would 

be detonated annually in the GOM, 

approximately three nautical miles (5.6 

kilometers) offshore of Eglin AFB. 

Detonations would be conducted on the 

sea floor, adjacent to an inert mine, at 

a depth of approximately 60 feet (18.3 

meters). Additional information on the 

NEODS training operations is contained 

in the application and final rule, which 

is available upon request (see 

ADDRESSES). 

Mitigation and Monitoring 

The mitigation and monitoring 

included in this LOA are identical to 

those required by the governing 

regulations. In summary, they include: 

(1) The time of detonation will be 

limited to daylight hours (i.e., an hour 

after sunrise and an hour before sunset); 

(2) NEODS missions would be 

delayed if the Beaufort sea state is 

greater than scale number three (i.e., if 

whitecaps cover more than 50 percent of 

the surface or waves are greater than 0.9 

meters (m) (3 feet [ft]) to ensure 

visibility of marine mammals to 

observers); 

(3) Time delays longer than 10 

minutes will not be used and initiation 

of the timer device will not start until 

the mitigation-monitoring zone is clear 

of marine mammals for 30 minutes; 

(4) Observers on boats and/or 

helicopters will conduct monitoring 

pre-mission, throughout the mission, 

and post-mission for the presence of 

marine mammals and other protected 

species indicators; 

(5) NEODS mission would be 

postponed or suspended if marine 

mammals and/or large concentrations of 

protected species indicators are 

observed within or about to enter the 

mitigation-monitoring zone: 

(6) After a delay due to the 

aforementioned wildlife being detected 

in the mitigation-monitoring zone, the 

mission would not be continued until 

the wildlife in question is confirmed to 

be outside the mitigation-monitoring 

zone, the animal(s) are moving away 

from the mission area, and the animal(s) 

does not re-enter the mitigationmonitoring zone for 30 minutes; and 

(7) Post-mission monitoring would be 

conducted to report any injured, 

seriously injured, or dead marine 

mammals. 

Negligible Impact Determination 

As analyzed and described in further 

detail in the preamble to the final 

regulations, taking authorized under the 

regulations will have a negligible impact 

on the affected species and stocks of 

marine mammals. 

Authorization 

Accordingly, NMFS has issued an 

LOA to the U.S. Air Force authorizing 

takes of marine mammals incidental to 

NEODS training operations at Eglin 

AFB. Issuance of this LOA was based on 

NMFS’s determination that the total 

number of marine mammals taken by 

the activity as a whole shall have no 

more than a negligible impact on the 

affected marine mammal species, 

Atlantic bottlenose dolphin. The basis 

for this determination is described in 

the preamble to the final rule (77 FR 

16718, March 22, 2012). NMFS also 

determined that the LOA will not have 

an unmitigable adverse impact on the 

availability of the affected marine 

mammal stocks for subsistence uses. 

Dated: April 24, 2012. 

Helen M. Golde, 

Acting Director, Office of Protected Resources, 

National Marine Fisheries Service. 

[FR Doc. 2012–10376 Filed 4–27–12; 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 

Equal Credit Opportunity 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 3170–0013, 

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: Equal Credit Opportunity Act 

(Regulation B) 12 CFR Part 1002. 

OMB Number: 3170–0013. 

Abstract: Federal and state 

enforcement agencies and private 

litigants use recordkeeping information 

to, for example, compare accepted and 

rejected applicants or the terms and 

conditions of accepted applicants in 

order to determine whether applicants 

are treated less favorably on the basis of 

race, sex, age, or other prohibited bases 

under the Equal Credit Opportunity Act 

(ECOA). Information derived from these 

records provides an important piece of 

evidence of law violations in ECOA 

enforcement actions brought by Federal 

agencies. Self-testing records (including 

for corrective action) are used by 

creditors to identify potential violations 

and reflect their efforts to correct the 

problem. Absent the Regulation B 

requirement that creditors retain 

monitoring information, the CFPB’s and 

other agencies’ ability to detect 

unlawful discrimination and enforce the 

ECOA would be significantly impaired. 

The CFPB, other agencies, and private 

litigants use adverse action notices, 

appraisal reports, and other information 

in the application file to compare 

applicants in order to determine 

whether any applicants are 

discriminated against on the basis of 

race/national origin, sex, marital status, 

age, or other prohibited bases under the 

ECOA. The adverse action notice 

requirement apprises applicants of their 

rights under the ECOA and of the basis 

for a creditor’s decision. Applicants use 

their copy of the appraisal to review 

(and possibly challenge) the accuracy 

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25438 Federal Register / Vol. 77, No. 83 / Monday, April 30, 2012 / Notices 

and/or fairness of the information 

contained within, and to determine the 

role that the appraisal played in the 

credit decision. Applicants use the selftesting disclosure to facilitate 

understanding of creditors’ information 

collection, including its optionality. 

Type of Review: Extension of a 

currently approved collection. 

Affected Public: Businesses or other 

for profits. 

Estimated Number of Responses: 

500,500. 

Estimated Time per Response: 3 

Hours. 

Estimated Total Annual Burden 

Hours: 1,502,000. 

Dated: April 6, 2012. 

Chris Willey, 

Chief Information Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2012–10282 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 

Privacy of Consumer Financial 

Information 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 3170–0010, 

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: 

Privacy of Consumer Financial 

Information (Regulation P) 12 CFR Part 

1016. OMB Number: 3170–0010. 

Form Number: N/A. 

Abstract: Section 502 of the GrammLeach-Bliley Act (GLB Act) (Pub. L. 

106–102) generally prohibits a financial 

institution from sharing nonpublic 

personal information about a consumer 

with nonaffiliated third parties unless 

the institution satisfies various 

disclosure requirements (including 

provision of initial privacy notices, 

annual notices, notices of revisions to 

the institution’s privacy policy, and optout notices) and the consumer has not 

elected to opt out of the information 

sharing. The CFPB is promulgating 

regulations to implement the GLB Act’s 

notice requirements and restrictions on 

a financial institution’s ability to 

disclose nonpublic personal information 

about consumers to nonaffiliated third 

parties. 

Type of Review: Extension of a 

currently approved collection. 

Affected Public: Businesses or other 

for profits. 

Estimated Number of Responses: 

467,213. 

Estimated Time per Response: 1 hour 

6 minutes. 

Estimated Total Annual Burden 

Hours: 516,000. 

Dated: April 6, 2012. 

Chris Willey, 

Chief Information Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2012–10286 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 or CFPB), 

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 

the Office of Intergovernmental Affairs 

Outreach Activities. 

DATES: Written comments are 

encouraged and must 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: All 

submission should include agency name 

and proposed collection title. 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: PRA 

Office), 1700 G Street NW., Washington, 

DC 20552, or through the internet at 

CFPB_Public_PRA@cfpb.gov. 

SUPPLEMENTARY INFORMATION: Title: 

CFPB Office of Intergovernmental 

Affairs Outreach Activities. 

OMB Number: 3170–XXXX. 

Abstract: The Dodd-Frank Wall Street 

Reform and Consumer Protection Act 

(‘‘Dodd-Frank Act’’) contemplates that 

the Bureau will conduct outreach 

activities, as appropriate. See, e.g., 12 

U.S.C. 5495; 12 U.S.C. 5512(c)(1), 12 

U.S.C. 5493(d), 12 U.S.C. 5493(b)(2), 12 

U.S.C. 5511(c)(6). The Bureau’s Office of 

Intergovernmental Affairs seeks to 

conduct outreach by collecting 

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