83676 Federal Register / Vol. 85, No. 246 / Tuesday, December 22, 2020 / Notices 

collection. The Federal Register Notice 

with a 60-day comment period soliciting 

comments on the following collection of 

information was published on June 5, 

2020. The collection aids to make the 

aircraft noise certification information 

easily accessible to the flight crew and 

presentable upon request to the 

appropriate foreign officials for 

international airline operation of U.S. 

carriers. The information to be collected 

upholds the U.S. obligations under the 

Convention on International Civil 

Aviation and for which FAA policy 

comply with International Civil 

Aviation Organization (ICAO) Standards 

and Recommended Practices to the 

maximum extent practicable. Thus the 

FAA has adopted ICAO’s Standards and 

Recommended Practices as US 

regulations as a means of compliance 

with Annex 16 and requires noise 

documentation be carried on board 

aircraft that leave the United States. 

DATES: Written comments should be 

submitted by January 21, 2021. 

ADDRESSES: Interested persons are 

invited to submit written comments on 

the proposed information collection to 

the Office of Information and Regulatory 

Affairs, Office of Management and 

Budget. Comments should be addressed 

to the attention of the Desk Officer, 

Department of Transportation/FAA, and 

sent via electronic mail to oira_

submission@omb.eop.gov, or faxed to 

(202) 395–6974, or mailed to the Office 

of Information and Regulatory Affairs, 

Office of Management and Budget, 

Docket Library, Room 10102, 725 17th 

Street NW, Washington, DC 20503. 

Public Comments Invited: You are 

asked to comment on any aspect of this 

information collection, including (a) 

Whether the proposed collection of 

information is necessary for FAA’s 

performance; (b) the accuracy of the 

estimated burden; (c) ways for FAA to 

enhance the quality, utility and clarity 

of the information collection; and (d) 

ways that the burden could be 

minimized without reducing the quality 

of the collected information. The agency 

will summarize and/or include your 

comments in the request for OMB’s 

clearance of this information collection. 

FOR FURTHER INFORMATION CONTACT: 

Sandy R. Liu by email at: sandy.liu@

faa.gov; phone: 202–267–4748. 

SUPPLEMENTARY INFORMATION: 

OMB Control Number: 2120–0737. 

Title: Aircraft Noise Certification 

Documents for International Operations. 

Form Numbers: None. Reference: 

ICAO Annex 16, Vol.1—Aircraft Noise, 

Eighth edition (July 2017) Attachment G 

for format. 

Type of Review: Renewal of an 

information collection. 

Background: The Federal Register 

Notice with a 60-day comment period 

soliciting comments on the following 

collection of information was published 

on June 5, 2020 (85 FR 34711). On 

March 2, 2010, the FAA published the 

final rule Notice No. 91–312, Aircraft 

Noise Certification Documents for 

International Operations (75 FR 9327). It 

requires operators that fly outside the 

United States, using aircraft subject to 

ICAO, Annex 16, Volume 1, to carry 

aircraft noise certification information 

on board the aircraft. This collection is 

needed to ensure consistent 

international compliance with the 

ICAO, Annex 16, Volume 1, 

Amendment 8 that requires certain 

noise information be carried on board 

the aircraft. This information must be 

easily accessible to the flight crew and 

presentable upon request to the 

appropriate foreign National Aviation 

Authority (NAA) officials. The 

collection is mandatory based on U.S. 

regulations and international standards. 

Respondents: Operators of U.S. 

registered civil aircraft flying outside 

the United States. 

Frequency: 70 airplanes. 

Estimated Average Burden per 

Response: 25 minutes (0.42 hours). 

Estimated Total Annual Burden: $25 

per airplane × 70 airplanes affected = 

$1,750. 

Issued in Washington, DC, on December 

17, 2020. 

Sandy Liu, 

Engineer, Noise Division, Office of 

Environment and Energy, Noise Division 

(AEE–100). 

[FR Doc. 2020–28226 Filed 12–21–20; 8:45 am] 

BILLING CODE 4910–13–P 

DEPARTMENT OF THE TREASURY 

Financial Crimes Enforcement Network 

Agency Information Collection 

Activities; Proposed Renewal; 

Comment Request; Renewal Without 

Change of Anti-Money Laundering 

Program Requirements for Casinos 

AGENCY: Financial Crimes Enforcement 

Network (FinCEN), Treasury. 

ACTION: Notice and request for 

comments. 

SUMMARY: As part of its continuing effort 

to reduce paperwork and respondent 

burden, FinCEN invites comments on 

the proposed renewal, without change, 

of a currently approved information 

collection found in existing Bank 

Secrecy Act regulations. Specifically, 

the regulations require casinos to 

develop and implement written antimoney laundering programs reasonably 

designed to ensure and monitor 

compliance with the requirements set 

forth in the Bank Secrecy Act 

regulations. Although no changes are 

proposed to the information collection 

itself, this request for comments covers 

a future expansion of the scope of the 

annual hourly burden and cost estimate 

associated with these regulations. This 

request for comments is made pursuant 

to the Paperwork Reduction Act of 1995. 

DATES: Written comments are welcome, 

and must be received on or before 

February 22, 2021. 

ADDRESSES: Comments may be 

submitted by any of the following 

methods: 

• Federal E-rulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

Refer to Docket Number FINCEN–2020– 

0015 and the specific Office of 

Management and Budget (OMB) control 

number 1506–0051. 

• Mail: Policy Division, Financial 

Crimes Enforcement Network, P.O. Box 

39, Vienna, VA 22183. Refer to Docket 

Number FINCEN–2020–0015 and OMB 

control number 1506–0051. 

Please submit comments by one 

method only. Comments will also be 

incorporated into FinCEN’s review of 

existing regulations, as provided by 

Treasury’s 2011 Plan for Retrospective 

Analysis of Existing Rules. All 

comments submitted in response to this 

notice will become a matter of public 

record. Therefore, you should submit 

only information that you wish to make 

publicly available. 

FOR FURTHER INFORMATION CONTACT: The 

FinCEN Regulatory Support Section at 

1–800–767–2825 or electronically at 

frc@fincen.gov. 

SUPPLEMENTARY INFORMATION: 

I. Statutory and Regulatory Provisions 

The legislative framework generally 

referred to as the Bank Secrecy Act 

(BSA) consists of the Currency and 

Financial Transactions Reporting Act of 

1970, as amended by the Uniting and 

Strengthening America by Providing 

Appropriate Tools Required to Intercept 

and Obstruct Terrorism Act of 2001 

(USA PATRIOT Act) (Pub. L. 107–56) 

and other legislation. The BSA is 

codified at 12 U.S.C. 1829b, 12 U.S.C. 

1951–1959, 31 U.S.C. 5311–5314 and 

5316–5332, and notes thereto, with 

implementing regulations at 31 CFR 

Chapter X. 

The BSA authorizes the Secretary of 

the Treasury, inter alia, to require 

financial institutions to keep records 


jbell on DSKJLSW7X2PROD with NOTICES
Federal Register / Vol. 85, No. 246 / Tuesday, December 22, 2020 / Notices 83677 

1Section 358 of the USA PATRIOT Act added 

language expanding the scope of the BSA to 

intelligence or counter-intelligence activities to 

protect against international terrorism. 

2Treasury Order 180–01 (re-affirmed Jan. 14, 

2020). 

3 31 CFR 1021.210. 

4Card clubs are included in the casino AML 

program regulations, and any reference to casinos 

used in BSA regulations includes card clubs, unless 

specifically noted. See 31 CFR 1010.100(t)(5)(iii). 

5Public Law 104–13, 44 U.S.C. 3506(c)(2)(A). 

6Table 1, infra, below sets forth a breakdown of 

the types of casinos covered by this notice. 

7The casino AML program regulations have two 

unique requirements. Specifically, 31 CFR 

1021.210(b)(2)(v) provides that a casino must 

establish procedures for using all available 

information to determine, when required by the 

BSA regulatory requirements, the name, address, 

social security number, and other information, and 

verification of the same, of a person; the occurrence 

of any transactions or patterns of transactions 

required to be reported pursuant to 31 CFR 

1021.320; and whether any record as described in 

subpart D of part 1010 or part 1021 must be made 

and retained. 31 CFR 1021.210(b)(2)(vi) provides 

that, for those casinos that have automated data 

processing systems, their AML compliance program 

must provide for the use of automated programs to 

aid in ensuring compliance. 

8Card clubs are not included in the breakdown 

of casinos covered by this notice. The omission of 

card clubs in the total number of casinos in Table 

1 will reduce the total hourly burden estimate in 

Table 2, infra, from its actual number. 

9According to numbers provided to FinCEN by 

the American Gaming Association (AGA), there are 

466 commercial casinos as of October 20, 2020. 

10According to numbers provided to FinCEN by 

the AGA, there are 527 tribal properties as of 

October 20, 2020. 

11According to numbers provided to FinCEN by 

the AGA, the total number of casinos includes 223 

commercial and tribal casinos in Nevada as of 

October 20, 2020. This number does not include 

restricted locations, i.e., those with 15 slot 

machines or fewer. 

12See 82 FR 31636 (July 7, 2017). 

and file reports that are determined to 

have a high degree of usefulness in 

criminal, tax, and regulatory matters, or 

in the conduct of intelligence or 

counter-intelligence activities to protect 

against international terrorism, and to 

implement anti-money laundering 

(AML) programs and compliance 

procedures.1 Regulations implementing 

the BSA appear at 31 CFR Chapter X. 

The authority of the Secretary to 

administer the BSA has been delegated 

to the Director of FinCEN.2

Section 352 of the USA PATRIOT Act 

added subsection (h) to 31 U.S.C. 5318 

of the BSA. Section 352 mandates that 

financial institutions establish AML 

programs in order to guard against 

money laundering. Such AML programs 

must include, at a minimum, the 

following: (a) The development of 

internal policies, procedures, and 

controls, (b) the designation of a 

compliance officer, (c) an ongoing 

employee training program, and (d) an 

independent audit function to test 

programs. Pursuant to section 352, 

FinCEN issued a regulation requiring 

casinos to develop and implement 

written AML programs.3 This notice 

only proposes to renew the OMB control 

number associated with the casino AML 

program regulations.4

II. Paperwork Reduction Act of 1995 

(PRA) 5

Title: AML program requirements for 

casinos (31 CFR 1021.210, 31 CFR 

1021.410(b)(10)). 

OMB Control Number: 1506–0051. 

Report Number: Not applicable. 

Abstract: FinCEN is issuing this 

notice to renew the OMB control 

number for the AML program regulatory 

requirements for casinos. 

Affected Public: Businesses or other 

for-profit institutions, and non-profit 

institutions. 

Type of Review: 

• Renewal without change of a 

currently approved information 

collection. 

• Propose for review and comment a 

renewal of the portion of the PRA 

burden that has been subject to notice 

and comment in the past (the 

‘‘traditional annual PRA burden’’). 

• Propose for review and comment a 

future expansion of the scope of the 

PRA burden (the ‘‘future annual PRA 

burden’’). 

Frequency: As required. 

Estimated Number of Respondents: 

993 casinos.6

Estimated Recordkeeping Burden: 

Part 1 of this notice describes the 

breakdown of the estimated number of 

casinos, by type. Part 2 proposes for 

review and comment a renewal of the 

estimate of the traditional annual PRA 

hourly burden, which includes an 

annual hourly burden estimate per 

casino similar to the estimate used in 

the past, with the incorporation of a 

more robust cost estimate. The scope 

and methodology used in the past 

assigned a total annual hourly burden 

estimate, per casino, to multiple 

recordkeeping requirements within the 

regulations, rather than assigning an 

annual hourly burden estimate, per 

casino, to each unique AML 

recordkeeping requirement.7 In the past, 

one annual hourly burden estimate per 

casino was used to encompass all of the 

recordkeeping requirements included in 

the AML program requirements for 

casinos. Part 3 of this notice proposes 

for review and comment a methodology 

for a future estimate of an annual PRA 

burden. The estimate would include the 

PRA burden and cost broken down by 

each recordkeeping requirement in the 

casino AML program regulations. 

Finally, Part 4 solicits input from the 

public about: (a) The accuracy of the 

traditional annual PRA burden estimate; 

(b) the more granular calculation needed 

to establish a future annual PRA burden, 

of the hourly and cost burden per casino 

AML program recordkeeping 

requirement; (c) the criteria, metrics, 

and most appropriate questions FinCEN 

should consider when researching the 

information to estimate the future 

annual PRA burden; and (d) any other 

comments about the regulations and the 

current and proposed future hourly 

burden and cost estimates of these 

requirements. 

Part 1. Breakdown of the Casinos 8

Covered by This Notice 

The breakdown of casinos, by type, 

covered by this notice is reflected in 

Table 1 below: 

TABLE 1—BREAKDOWN OF CASINOS

COVERED BY THIS NOTICE, BY TYPE

OF FINANCIAL INSTITUTION

Type of casino Number of 

casinos 

Casino ......................................... 9 466 

Tribal Casino .............................. 10 527 

Total number of casinos ......... 11 993 

Part 2. Traditional Annual PRA Burden 

and Cost 

The scope of the traditional annual 

PRA burden and cost estimates in this 

renewal encompasses all of the 

recordkeeping requirements included in 

the AML program requirements for 

casinos, notably: Maintaining and 

updating the written AML program 

(Action A); storing the written AML 

program (Action B); producing a copy of 

the written AML program if requested 

by regulatory examiners or law 

enforcement (Action C); and complying 

with the requirements in 31 CFR 

1021.210(b)(2)(v) and (vi) (Action D). 

The prior renewal did not break the 

requirements down into a burden 

estimate for each recordkeeping 

requirement, but instead estimated that 

all of the requirements combined would 

require 100 hours.12 In future estimates, 

FinCEN intends to estimate burden 

based on each individual requirement 

set out in 31 CFR 1021.210. 

For purposes of the estimate of the 

AML program traditional annual PRA 

burden, FinCEN has made the following 

assumptions: 

(a) The written AML program is 

stored as an electronic file. The 

estimated annual burden (5 minutes per 


jbell on DSKJLSW7X2PROD with NOTICES
83678 Federal Register / Vol. 85, No. 246 / Tuesday, December 22, 2020 / Notices 

13As set out in Table 1 above. 14We are estimating the annual recordkeeping 

burden per recordkeeper as 1 hour for casinos, 

consistent with our calculation of 1 hour for 

maintaining and updating the written AML program 

in the 60-day notice to renew AML programs for 

certain financial institutions (85 FR 49418 (Aug. 13, 

2020)). 

15The U.S. Bureau of Labor Statistics, 

Occupational Employment Statistics-National, May 

2019, available at https://www.bls.gov/oes/ 

tables.htm. The most recent data from the BLS 

corresponds to May 2019. For the benefits 

component of total compensation, see U.S. Bureau 

of Labor Statistics, Employer’s Cost per Employee 

Compensation as of December 2019, available at 

https://www.bls.gov/news.release/ecec.nr0.htm. The 

ratio between benefits and wages for financial 

activities is $15.95 (hourly benefits)/$32.05 (hourly 

wages) = 0.50. The benefit factor is 1 plus the 

benefit/wages ratio, or 1.50. Multiplying each 

hourly wage by the benefit factor produces the 

fully-loaded hourly wage per position. 

16By ‘‘in general,’’ FinCEN means without regard 

to outliers (e.g., financial institutions with AML 

programs with complexities that are uncommonly 

higher or lower than those of the population at 

large). By ‘‘on average,’’ FinCEN means the mean 

of the distribution of each subset of the population. 

financial institution) represents the 

administrative burden involved in 

processing the storage of the written 

program, and not just the time of actual 

electronic storage, which would be 

nearly instantaneous. 

(b) Producing the written AML 

program electronically to regulatory or 

law enforcement agencies, upon their 

request. FinCEN estimates the annual 

burden of producing the written 

program at 5 minutes per financial 

institution. The estimated annual 

burden represents the administrative 

burden involved in producing the 

program upon request, and not just the 

time required to make the program 

available to the requestor for inspection 

(for example, the actual electronic 

transmission), which would be nearly 

instantaneous. 

The estimated burden associated with 

each portion of the traditional annual 

PRA estimate is as follows: 

TABLE 2—BURDEN ASSOCIATED WITH EACH PORTION OF THE TRADITIONAL ANNUAL PRA ESTIMATE

Action Instances per year Time per instance Number of 

casinos 13

Total hourly 

burden 

A. Maintaining and updating the written AML 

program.

1 per casino ........................... 1 hour 14 ................................. 993 993 

B. Storing the written AML program ............... 1 per casino ........................... 5 minutes ............................... 993 * 83 

C. Producing the AML program upon request 1 per casino ........................... 5 minutes ............................... 993 * 83 

D. Ongoing Compliance with the requirements in 31 CFR 1021.210(b)(2)(v) and 

(vi).

1 per casino ........................... 99 hours ................................. 993 98,307 

Total Hourly Burden ................................ ................................................ ................................................ ........................ 99,466 

* 82.75 rounded to 83. 

To calculate the hourly costs of the 

burden estimate, FinCEN identified 

three roles and corresponding staff 

positions involved in maintaining an 

AML program: (i) General supervision 

(providing process oversight); (ii) direct 

supervision (reviewing operational-level 

work and cross-checking all or a sample 

of the work product against supporting 

documentation); and (iii) clerical work 

(engaging in research and administrative 

review and filing and producing the 

AML program on request). 

FinCEN calculated the fully-loaded 

hourly wage for each of these three roles 

by using the median wage estimated by 

the U.S. Bureau of Labor Statistics 

(BLS),15 and computing an additional 

benefits cost as follows: 

TABLE 3—FULLY-LOADED HOURLY WAGE BY ROLE AND BLS JOB POSITION FOR ALL FINANCIAL INSTITUTIONS COVERED

BY THIS NOTICE

Role BLS-code BLS-name Median 

hourly wage 

Benefit 

factor 

Fully-loaded 

hourly wage 

General supervision .............................................. 11–3031 Financial Manager ........ $62.45 1.50 $93.68 

Direct supervision ................................................. 13–1041 Compliance Officer ....... 33.20 1.50 49.80 

Clerical work (research, review, and filing and 

producing the program upon request).

43–3099 Financial Clerk .............. 20.40 1.50 30.60 

FinCEN estimates that, in general and 

on average,16 each role would spend 

different amounts of time on each 

portion of the traditional annual PRA 

burden, as follows: 

For Action A set out in Table 2 above, 

annually maintaining and updating the 

AML program documentation, the cost 

of each hour of burden is estimated to 

be $48.00, as shown in Table 4 below. 

TABLE 4—WEIGHTED AVERAGE HOURLY COST OF MAINTAINING AND UPDATING AML PROGRAM DOCUMENTATION

General supervision Direct supervision Clerical work (case review) Weighted 

average 

% time Hourly cost % time Hourly cost % time Hourly cost hourly cost 

10 $9.37 60 $29.88 30 $9.18 * $48.00 

*$48.43 rounded to $48.00. 


jbell on DSKJLSW7X2PROD with NOTICES
Federal Register / Vol. 85, No. 246 / Tuesday, December 22, 2020 / Notices 83679 

17Although FinCEN is providing information 

about burden and cost with respect to the four key 

elements of an AML program, FinCEN wants to 

emphasize that the four key elements of an AML 

program are statutory requirements. The four key 

elements of an AML program are: (a) Establishing 

policies, procedures, and internal controls 

reasonably designed to ensure compliance with the 

BSA; (b) designating a person to ensure day to day 

compliance with the AML program and the BSA; 

(c) providing education and training to appropriate 

personnel concerning their responsibilities under 

the AML program; and (d) implementing an 

independent review to monitor and maintain an 

adequate AML program. 

For Actions B, C, and D set out in 

Table 2 above, the cost of each hour of 

burden is estimated to be $33.00, as 

shown in Table 5 below: 

• Action B—storing the AML 

program. 

• Action C—producing of the AML 

program upon request. 

• Action D—complying with 

requirements in 31 CFR 

1021.210(b)(2)(v) and (vi). 

TABLE 5—WEIGHTED AVERAGE HOURLY COST OF STORING AND PRODUCING AML PROGRAM DOCUMENTATION UPON

REQUEST, AND COMPLYING WITH REQUIREMENTS IN 31 CFR 1021.210(b)(2)(v) AND (vi) 

General supervision Direct supervision Clerical work (recordkeeping) Weighted 

average 

% time Hourly cost % time Hourly cost % time Hourly cost hourly cost 

1 $0.94 9 $4.48 90 $27.54 * $33.00 

* $32.96 rounded to $33.00. 

The total cost of the traditional annual 

PRA burden would be $3,297,273 as 

reflected in Table 6 below: 

TABLE 6—TOTAL COST OF TRADITIONAL ANNUAL PRA BURDEN

Action 

Total burden 

in hours 

Hourly cost 

Total cost 

(Table 2) $ Source 

A. Maintaining and updating the written AML program .................................. 993 $48.00 Table 4 ........... $47,664 

B. Storing the written AML program ................................................................ * 83 33.00 Table 5 ........... 2,739 

C. Producing the written AML program upon request .................................... * 83 33.00 Table 5 ........... 2,739 

D. Ongoing compliance with the requirements in 31 CFR 1021.210(b)(2)(v) 

and (vi).

98,307 33.00 Table 6 ........... 3,244,131 

Total Cost ................................................................................................. ........................ ........................ ........................ 3,297,273 

* 82.75 rounded to 83. 

Part 3. Future Annual PRA Burden 

In the future, FinCEN intends to be 

more granular in estimating the annual 

PRA burden, by calculating the burden 

and cost attributed to certain, but not 

all, activities necessary to implement 

the four key elements of an AML 

program.17

The burden hours and cost of two of 

the key elements of an AML program 

(internal controls, and designation of a 

BSA compliance officer) are accounted 

for individually across all of the 42 

OMB control numbers FinCEN 

maintains for the various BSA 

regulatory requirements because those 

requirements necessitate that internal 

controls be put in place and that a BSA 

compliance officer be designated. For 

that reason, for the OMB control 

numbers and related regulations 

renewed in this notice, FinCEN 

generally does not intend to estimate 

burden hours and cost applicable to 

these two key elements in the future 

annual PRA burden. 

The future annual PRA burden 

calculation will include the estimated 

burden and cost to implement the other 

two key elements of an AML program 

((c) BSA training, and (d) independent 

audit) relating to the regulations and 

corresponding OMB control number 

being renewed in this notice. The future 

annual PRA burden calculation also will 

include the estimated burden and cost 

for a casino to (a) provide procedures to 

determine customer identification 

information, and the occurrence of 

suspicious activity transactions, and (b) 

use automated programs to aid in 

ensuring compliance, if the casino has 

automated data processing systems. 

These additional two elements are 

requirements of the casino AML 

program regulations, which are being 

renewed in this notice. 

To further clarify, below are lists of 

actions FinCEN intends to (1) include in 

a future annual PRA burden estimate 

relating to the regulations and OMB 

control number renewed in this notice, 

and (2) cover in OMB control number 

renewals associated with other BSA 

regulatory requirements. 

(a) FinCEN intends to include the 

following within a future annual PRA 

burden estimate for casinos: 

i. Any generic BSA-related education 

and training provided to all levels of the 

organization, and any training provided 

to appropriate personnel on BSA issues 

in excess of that required by their jobspecific responsibilities under their 

financial institution’s AML program. 

ii. The burden and cost of any internal 

or external independent review of 

compliance with BSA-specific 

obligations. 

iii. The annual burden and cost of 

implementation of a compliance 

program that includes procedures to 

determine customer identification 

information and the occurrence of 

suspicious activity transactions. 

iv. For casinos that have automated 

data processing systems, the annual cost 

and burden of implementation of a 

compliance program that provides for 

the use of automated programs to aid in 

ensuring compliance. 

(b) FinCEN does not intend to include 

the following as part of a future annual 

PRA burden estimate: 

i. The annual PRA burden and cost of 

the policies, procedures, and internal 

controls established in the AML 


jbell on DSKJLSW7X2PROD with NOTICES
83680 Federal Register / Vol. 85, No. 246 / Tuesday, December 22, 2020 / Notices 

18As noted above, the burden hours and cost of 

internal controls will be accounted for individually 

across all of the 42 OMB control numbers FinCEN 

maintains for the various BSA regulatory 

requirements because those requirements 

necessitate that internal controls be put in place. 

19As noted above, the burden hours and cost of 

a BSA compliance officer will be accounted for 

individually across all of the 42 OMB control 

numbers FinCEN maintains for the various BSA 

regulatory requirements because those requirements 

necessitate that a BSA compliance officer be 

designated. 

20As noted above, generic BSA-related training 

provided to all levels of the organization will be 

included in future burden and cost estimates 

corresponding to the OMB control numbers being 

renewed in this notice. Job-specific training related 

to specific BSA requirements, will be covered in the 

OMB control numbers corresponding to those 

specific BSA requirements. 

21Net hourly burden and cost are the burden and 

cost a financial institution incurs to comply with 

requirements that are unique to the BSA, and that 

do not support any other business purpose or 

regulatory obligation of the financial institution. 

Burden for purposes of the PRA does not include 

the time and financial resources needed to comply 

with an information collection, if the time and 

resources are for things a business (or other person) 

does in the ordinary course of its activities if the 

agency demonstrates that the reporting activities 

needed to comply are usual and customary. 5 CFR 

1320.3(b)(2). 

program to ensure compliance with the 

BSA; 18

ii. the designation of a person to 

ensure day to day compliance with the 

financial institution’s AML program and 

the BSA; 19 and 

iii. AML education and training 

provided to personnel relating to their 

job specific responsibilities.20

FinCEN does not have the necessary 

information to provide a tentative 

estimate for the PRA hourly burdens 

and costs it intends to address in the 

future. In addition, FinCEN does not 

have all the necessary information to 

more accurately estimate the traditional 

annual PRA burden. For that reason, 

FinCEN is relying on estimates used in 

prior renewals of this OMB control 

number and the applicable regulations. 

FinCEN further recognizes that after 

receiving public comments as a result of 

this notice, future traditional annual 

PRA hourly burden and cost estimates 

may vary significantly. FinCEN intends 

to conduct more granular studies of the 

actions included in the proposed scope 

of the annual PRA burden in the near 

future, to arrive at more accurate 

estimates of net BSA hourly burden and 

cost.21 The data obtained in these 

studies also may result in a significant 

variation of the estimated traditional 

annual PRA burden. 

Estimated Recordkeeping Burden: The 

average estimated annual PRA burden, 

measured in hours per respondent, is: 1 

hour per casino, for maintaining and 

updating the AML program (Action A); 

5 minutes per casino, for storing the 

written AML program (Action B); 5 

minutes per casino, for producing a 

copy of the AML program if requested 

by regulatory examiners or law 

enforcement (Action C); and 99 hours 

per casino, for complying with the 

requirements in 31 CFR 

1021.210(b)(2)(v) and (vi) (Action D). 

Estimated Number of Respondents: 

993, as set out in Table 1. 

Estimated Total Annual 

Recordkeeping Burden: The estimated 

total annual PRA burden is 99,466 

hours, as set out in Table 2. 

Estimated Total Annual 

Recordkeeping Cost: The estimated total 

annual PRA cost is $3,297,273, as set 

out in Table 6. 

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. 

Records required to be retained under 

the BSA must be retained for five years. 

Part 4. Request for Comments 

(a) Specific request for comments on 

the traditional annual PRA hourly 

burden and cost. 

FinCEN invites comments on any 

aspect of the traditional annual PRA 

burden, as set out in Part 2 of this 

notice. In particular, FinCEN seeks 

comments on the adequacy of: (i) 

FinCEN’s assumptions underlying its 

burden estimate; (ii) the estimated 

number of hours required by each 

portion of the burden; and (iii) the 

organizational roles of the casino 

engaged in each portion of the burden, 

the roles’ estimated hourly 

remuneration, and the estimated 

proportion of time spent by each role on 

the requirements. FinCEN encourages 

commenters to include any publicly 

available sources for alternative 

estimates or methodologies. 

(b) Specific request for comments on 

the appropriate criteria, methodology, 

and questionnaire required to obtain 

information to more precisely estimate 

the future annual PRA hourly burden 

and cost. 

FinCEN invites comments on the most 

appropriate and comprehensive means 

to question financial institutions about 

the annual hourly burden and cost. For 

example, as it relates to training, 

independent review, and maintaining 

and updating the AML program: 

Training: 

(1) How much time is spent on 

creating and implementing the AML 

training plan? 

(2) How much time is spent on 

delivering instructor led training or 

creating web- based training? 

(3) How much time does the casino’s 

compliance department spend on 

creating AML related training content, 

or is the training function conducted by 

a team outside of the casino’s 

compliance department? 

(4) How much time is spent 

identifying the proper audience for 

training? 

(5) How much time is spent tracking, 

and reporting on, AML-related training? 

Independent Review: 

(1) How much of the casino’s 

compliance department’s time is spent 

on responding to inquiries or correcting 

deficiencies related to the independent 

review of the AML program? 

(2) If the independent review is 

conducted by an internal audit 

department, how much of the internal 

audit department’s time is spent 

creating and implementing the required 

testing plan for the independent review? 

Updating and Maintaining a Written 

AML Program: 

On average, how many times per year 

does your casino update its AML 

program? 

The future annual PRA hourly burden 

and cost estimate of the recordkeeping 

necessary to comply with the AML 

program requirements for casinos must 

take into consideration only the effort 

involved in obtaining those data 

elements that are used exclusively for 

complying with requirements under 31 

CFR 1021.210. Given the complexity in 

determining what portion of the effort to 

include in the estimate, FinCEN seeks 

comments from the public regarding any 

questions we should consider posing in 

future notices, in addition to the 

specific questions for comment outlined 

directly below. FinCEN welcomes any 

suggestions as to how to derive these 

estimates by using publicly available 

financial information. 

(c) Specific questions for comment 

associated with implementing a 

compliance program that includes 

procedures to determine customer 

identification information and the 

occurrence of suspicious activity 

transactions, when required by BSA 

regulations. 

(1) Customer Identification Procedures 

• On average, how long does it take 

your casino to establish procedures for 

using all available information to 

determine and verify the name, address, 

social security number, and other 

information, of a person? 

• Does your casino have a review and 

approval process involving senior 

management to evaluate the procedures 

used for determining and verifying 

customer identification information? On 

average, how long does the review 


jbell on DSKJLSW7X2PROD with NOTICES
Federal Register / Vol. 85, No. 246 / Tuesday, December 22, 2020 / Notices 83681 

process take and how many approvals 

are necessary? 

• How frequently does your casino 

collect and verify the name, address, 

social security number, and other 

information, of a person? 

• On average how many new 

accounts does your casino open per 

year? 

• How many accounts are for new 

customers? 

• How long does it take your casino 

to open a new account for an existing 

customer? 

• How long does it take your casino 

to conduct identity verification 

procedures for a new personal or 

business account? 

• Is the collection of customer 

identification information exclusively to 

comply with customer identification 

requirements, or is it also to comply 

with other regulatory requirements or 

for other business reasons? 

(2) Suspicious Activity Procedures 

• On average, how long does it take 

your casino to establish procedures for 

using all available information, 

including your automated systems and 

your surveillance system and 

surveillance logs, to determine the 

occurrence of any transactions or 

patterns of transactions required to be 

reported as suspicious? 

• Does your casino have a review and 

approval process involving senior 

management to evaluate the procedures 

used for determining suspicious 

activity? On average, how long does the 

review process take and how many 

approvals are necessary? 

(d) Specific questions for comment 

associated with implementation of a 

compliance program that provides for 

the use of automated programs to aid in 

ensuring compliance, for casinos that 

have automated data processing 

systems: 

• Does your casino use automated 

data processing systems? 

• How does your casino use its 

automated data processing systems to 

aid in ensuring compliance? 

• Does your casino have a review and 

approval process involving senior 

management to evaluate the use of its 

automated data processing systems? On 

average, how long does the review 

process take and how many approvals 

are necessary? 

(e) General 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: (i) 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; 

(ii) the accuracy of the agency’s estimate 

of the burden of the collection of 

information; (iii) ways to enhance the 

quality, utility, and clarity of the 

information to be collected; (iv) 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; and (v) estimates of capital 

or start-up costs and costs of operation, 

maintenance, and purchase of services 

to provide information. 

Michael G. Mosier, 

Deputy Director, Financial Crimes 

Enforcement Network. 

[FR Doc. 2020–28255 Filed 12–21–20; 8:45 am] 

BILLING CODE 4810–02–P 

DEPARTMENT OF VETERANS 

AFFAIRS 

[OMB Control No. 2900–0059] 

Agency Information Collection Activity 

Under OMB Review: Statement of 

Person Claiming To Have Stood in 

Relation of Parent (VA Form 21P–524) 

AGENCY: Veterans Benefits 

Administration, Department of Veterans 

Affairs. 

ACTION: Notice. 

SUMMARY: In compliance with the 

Paperwork Reduction Act (PRA) of 

1995, this notice announces that the 

Veterans Benefits Administration, 

Department of Veterans Affairs, will 

submit the collection of information 

abstracted below to the Office of 

Management and Budget (OMB) for 

review and comment. The PRA 

submission describes the nature of the 

information collection and its expected 

cost and burden and it includes the 

actual data collection instrument. 

DATES: Written comments and 

recommendations for the proposed 

information collection should be sent 

within 30 days of publication of this 

notice to www.reginfo.gov/public/do/ 

PRAMain. Find this particular 

information collection by selecting 

‘‘Currently under 30-day Review—Open 

for Public Comments’’ or by search 

function. Refer to ‘‘OMB Control No. 

2900–0059. 

FOR FURTHER INFORMATION CONTACT: 

Danny S. Green, Enterprise Records 

Service (005R1B), Department of 

Veterans Affairs, 810 Vermont Avenue 

NW, Washington, DC 20420, (202) 421– 

1354 or email danny.green2@va.gov. 

Please refer to ‘‘OMB Control No. 2900– 

0059’’ in any correspondence. 

SUPPLEMENTARY INFORMATION: 

Authority: 38 U.S.C. 1310 & 1315. 

Title: Statement of Person Claiming to 

Have Stood in Relation to Parent. 

OMB Control Number: 2900–0059. 

Type of Review: Reinstatement of a 

previously approved collection. 

Abstract: 38 U.S.C. 1315 established 

Dependency Indemnity Compensation 

to Parents (known as Parents’ DIC). 

Parent’s DIC is a monthly benefit 

payable to the parent(s) of a deceased 

Veteran. The payable monthly benefit is 

based on the parent’s (parents’) annual 

income. Additional funds are payable to 

the parent(s) if they are in a patient in 

a nursing home, blind, so nearly blind 

or significantly disabled as to need or 

require the regular aid and attendance of 

another person. 

38 CFR 3.59 defines the term parent 

as ‘‘. . . a natural mother or father 

(including the mother of an illegitimate 

child or the father of an illegitimate 

child if the usual family relationship 

existed), mother or father through 

adoption, or a person who for a period 

of not less than 1 year stood in the 

relationship of a parent to a Veteran at 

any time before his or her entry into 

active service.’’ 

The information collected will be 

used by VBA to evaluate a claimant’s 

parental relationship to a deceased 

Veteran when the claimant is not the 

Veteran’s natural mother or father or 

adopted mother or father. 

Federal Register Notice with a 60-day 

comment period soliciting comments on 

this collection of information was 

published at 85 FR, 197 on October 9th, 

2020, page 64231. 

Affected Public: Individuals or 

Households. 

Estimated Annual Burden: 800. 

Estimated Average Burden per 

Respondent: 2 Hours (120) minutes. 

Frequency of Response: One time. 

Estimated Number of Respondents: 

200. 

By direction of the Secretary. 

Danny S. Green, 

VA PRA Clearance Officer, Office of Quality, 

Performance and Risk, Department of 

Veterans Affairs. 

[FR Doc. 2020–28185 Filed 12–21–20; 8:45 am] 

BILLING CODE 8320–01–P 


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