Document Headings

                    Document headings vary by document type but may contain                    the following:                  
                -                       the agency or agencies that issued and signed a document                    
                -                       the number of the CFR title and the number of each part                      the document amends, proposes to amend, or is directly                      related to                    
                -                       the agency docket number / agency internal file number                    
                -                       the RIN which identifies each regulatory action listed in                      the Unified Agenda of Federal Regulatory and Deregulatory                      Actions                    

                    See the                                          Document Drafting Handbook                                        for more details.                  

###### Federal Deposit Insurance Corporation

# AGENCY:

Federal Deposit Insurance Corporation (FDIC).

# ACTION:

Notice of information collection to be submitted to OMB for review and approval under the Paperwork Reduction Act of 1995.

# SUMMARY:

                        In accordance with requirements of the Paperwork Reduction Act of 1995 (44 U.S.C. 3501*et seq.*), the FDIC hereby gives notice that it plans to submit to the Office of Management and Budget (OMB) a request for OMB review and renewal of four information collections titled (1) Recordkeeping and Disclosure Requirements in Connection with Regulation Z (Truth in Lending); (2) Recordkeeping and Disclosure Requirements in Connection with Regulation M (Consumer Leasing); (3) Recordkeeping and Disclosure Requirements in Connection with Regulation E (Electronic Fund Transfers), and (4) Recordkeeping and Disclosure Requirements in Connection with Regulation B (Equal Credit Opportunity).                    

# COMMENTS:

Comments on this collection of information are welcome and should be submitted on or before October 27, 2004, to both the OMB reviewer and the FDIC contact listed below.

# ADDRESSES:

Interested parties are invited to submit written comments to Thomas Nixon, Legal Division, Federal Deposit Insurance Corporation, 550 17th Street, NW., Washington, DC 20429. Comments may be hand-delivered to the guard station at the rear of the 17th Street Building (located on F Street), on business days between 7 a.m. and 5 p.m. Comments should also be submitted to the OMB desk officer for the FDIC: Mark Menchik, Office of Information and Regulatory Affairs, Office of Management and Budget, New Executive Office Building, Washington, DC 20503.

# SUPPLEMENTARY INFORMATION:

                    1.                     *Title:*                     Recordkeeping and Disclosure Requirements in Connection with Regulation Z (Truth in Lending).                

*OMB Number:*                     3064-0082.                

*Frequency of Response:*                     On occasion.                

*Affected Public:*                     State nonmember banks that regularly offer or extend consumer credit.                

*General Description of Collection:*                     Regulation Z (12 CFR part 226), issued by the Board of Governors of the Federal Reserve System, prescribes uniform methods of computing the cost of credit, disclosure of credit terms, and procedures for resolving billing errors on certain credit accounts. Regulation Z requires disclosures of the costs and terms of credit to consumers.                

*Estimated Number of Respondents:*                     4,941.                

*Estimated Annual Burden:*                     2,373,600 hours.                

                    2.                     *Title:*                     Recordkeeping and Disclosure Requirements in Connection with Regulation M (Consumer Leasing).                

*OMB Number:*                     3064-0083.                

*Frequency of Response:*                     On occasion.                

*Affected Public:*                     State nonmember banks engaging in consumer leasing.                

*General Description of Collection:*                     Regulation M (12 CFR part 213), issued by the Board of Governors of the Federal Reserve System, implements the                           ( print page 57706)                        consumer leasing provisions of the Truth in Lending Act. Regulation M provides consumers with disclosures about the costs and terms of leases for personal property.                

*Estimated Number of Respondents:*                     1,755.                

*Total Annual Burden:*                     131,625 hours.                

                    3.                     *Title:*                     Recordkeeping and Disclosure Requirements in Connection with Regulation E (Electronic Fund Transfers).                

*OMB Number:*                     3064-0084.                

*Frequency of Response:*                     On occasion.                

*Affected Public:*                     State nonmember banks offering electronic fund transfer services.                

*General Description of Collection:*                     Regulation E (12 CFR part 205), issued by the Board of Governors of the Federal Reserve System, establishes the rights, liabilities, and responsibilities of consumers who use electronic fund transfer services and of financial institutions that offer these services. Regulation E requires disclosure of basic terms, costs, and rights relating to electronic fund transfer services to consumers.                

*Estimated Number of Respondents:*                     5,318.                

*Total Annual Burden:*                     531,357 hours.                

                    4.                     *Title:*                     Recordkeeping and Disclosure Requirements in Connection with Regulation B (Equal Credit Opportunity).                

*OMB Number:*                     3064-0085.                

*Frequency of Response:*                     On occasion.                

*Affected Public:*                     State nonmember banks engaging in credit transactions.                

*General Description of Collection:*                     Regulation B (12 CFR part 202), issued by the Board of Governors of the Federal Reserve System, prohibits creditors from discriminating against applicants on any of the bases specified by the Equal Credit Opportunity Act, establishes guidelines for gathering and evaluating credit information, and requires disclosures and recordkeeping requirements to implement those prohibitions.                

*Estimated Number of Respondents:*                     5,318.                

*Total Annual Burden:*                     717,642 hours.                

Dated: September 20, 2004.

Federal Deposit Insurance Corporation.

Robert E. Feldman,

Executive Secretary.

[FR Doc. 04-21602 Filed 9-24-04; 8:45 am]

BILLING CODE 6714-01-P