Federal Register / Vol. 78, No. 24 / Tuesday, February 5, 2013 / Notices 8113 

TABLE 1—SUMMARY OF SPACE VEHICLE AND MISSILE LAUNCHES FROM VAFB IN 2012—Continued 

Vehicle Date 

(2012) 

Launch 

site Monitored 

Minuteman III GT–206GM ......................................... 14–Nov ............................ LF–10 .............................. No. 

The Delta IV launch occurred during 

the harbor seal pupping season, 

requiring monitoring on VAFB. Sonic 

boom modeling was conducted for both 

space vehicle launches. The modeling 

indicated that a sonic boom of greater 

than 1 lb/ft2 (psf) would occur at SMI 

as a result of the Atlas V launch, 

requiring acoustical and biological 

monitoring. 

Neither of the missile launches 

required monitoring at SMI because the 

westerly trajectory of these launches. 

Similarly, both missile launches 

occurred outside of the VAFB harbor 

seal pupping season; therefore, no 

biological or acoustical monitoring was 

required or performed on VAFB for 

these two launches. 

During the reporting period, 651 

fixed-wing aircraft and helicopter 

operations were conducted from the 

VAFB airfield. Most of these consisted 

of training exercises involving ‘‘touch 

and goes’’. There were no observed 

impacts to pinnipeds from these 

activities. 

Delta IV Launch (April 3, 2012) 

Counts of harbor seals done between 

March 26 and April 2, 2012, recorded 

from 2 to 111 adult and sub-adult seals. 

From 0 to 16 pups were observed, along 

with one California sea lion. One dead 

pup with wounds suggestive of a shark 

attack washed ashore on March 26. The 

next day, a dead, newly born pup with 

its umbilicus still attached was noted at 

one of the sites. Both sightings occurred 

prior to the actual launch. Post-launch 

counts ranged from 88 to 144 adult and 

sub-adult seals and from 8 to 12 pups. 

The 2-week follow-up count revealed up 

to 154 adult and sub-adult harbor seals 

and up to 25 pups. 

Time-lapse video monitoring was 

conducted of this launch. The footage 

revealed that all 42 harbor seals hauled 

out at the monitoring location (First 

Ledge on south VAFB) were alerted by 

the noise and moved rapidly toward the 

sea. All but two scurried into the water. 

Up to 10 animals soon returned but 

went back in the ocean as the tide rose 

(MSRS, 2012). 

In summary, based on post-launch 

analysis, there was no evidence of 

injury, mortality, or abnormal behavior 

in any of the monitored pinnipeds on 

VAFB as a result of this launch. 

Atlas V Launch (September 13, 2012) 

Biological monitoring for this launch 

was required at SMI, since the sonic 

boom models predicted overpressures in 

excess of 1 psf there. Monitoring for this 

launch was conducted at Cardwell 

Point. California sea lions, northern 

elephant seals, and Pacific harbor seals 

were present during the pre- and postmonitoring counts and on the day of the 

launch. No pups of any species were 

observed at this location. Counts on the 

days prior to the launch ranged from 

209–912 for California sea lions, from 0– 

101 for northern elephant seals, and 

from 0–35 for harbor seals. On the day 

of the launch, 186–240 sea lions, 50–78 

northern elephant seals, and 0–36 

harbor seals were sighted. The same or 

higher numbers of sea lions and 

northern elephant seals were seen on 

the two days after the launch. No harbor 

seals were seen the following day, likely 

because of a very large surf with heavy 

surges and backwashes, preventing 

harbor seals from hauling out, although 

they were present just outside the 

breakers. 

No reactions were noted on the part 

of the sea lions and elephant seals to the 

sonic boom. Of the 36 harbor seals 

present at the time of the boom, 20 

dashed into the water. They began 

returning to shore within 30 min of the 

launch. 

Acoustic monitoring was also 

conducted for this launch. The peak 

unweighted sound level was 122.8 dB re 

20 mPa. During the 15 min before and 

the 15 min after the launch, the lowest 

ambient noise was 82.7 dB re 20 mPa, 

while the highest sounds—not 

associated with the launch—were 113.1 

dB re 20 mPa. 

In summary, there was no evidence of 

injury, mortality, or abnormal behavior 

of the monitored pinnipeds on SMI as 

a result of this launch. 

Authorization 

The USAF complied with the 

requirements of the 2012 LOA, and 

NMFS has determined that the marine 

mammal take resulting from the 2012 

launches is within that analyzed in and 

anticipated by the associated 

regulations. Accordingly, NMFS has 

issued an LOA to the 30th Space Wing, 

USAF, authorizing the take by 

harassment of marine mammals 

incidental to space vehicle and test 

flight activities at VAFB. Issuance of 

this LOA is based on findings described 

in the preamble to the final rule (74 FR 

6236, February 6, 2009) and supported 

by information contained in VAFB’s 

2012 annual report that the activities 

described under this LOA will have a 

negligible impact on marine mammal 

stocks. The provision requiring that the 

activity not have an unmitigable adverse 

impact on the availability of the affected 

species or stock for subsistence uses 

does not apply for this action. 

Dated: January 31, 2013. 

Helen M. Golde, 

Acting Director, Office of Protected Resources, 

National Marine Fisheries Service. 

[FR Doc. 2013–02447 Filed 2–4–13; 8:45 am] 

BILLING CODE 3510–22–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Agency Information Collection 

Activities: Submission for OMB 

Review; 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 a proposed 

information collection, as required by 

the Paperwork Reduction Act of 1995 

(PRA). The Bureau is soliciting 

comments concerning its proposed 

information collection titled, 

‘‘Quantitative Testing of Integrated 

Mortgage Loan Disclosure Forms.’’ The 

proposed collection has been submitted 

to the Office of Management and Budget 

(OMB) for review and approval. A copy 

of the submission, including copies of 

the proposed collection, may be 

obtained by contacting the agency 

contact listed below. 

DATES: Written comments are 

encouraged and must be received on or 

before March 7, 2013 to be assured of 

consideration. 

ADDRESSES: You may submit comments, 

identified by agency name and proposed 

collection title—‘‘Quantitative Testing 


tkelley on DSK3SPTVN1PROD with NOTICES
8114 Federal Register / Vol. 78, No. 24 / Tuesday, February 5, 2013 / Notices 

of Integrated Mortgage Loan Disclosure 

Forms’’— to: 

• Agency: Bureau of Consumer 

Financial Protection (Attention: Darrin 

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

Washington, DC 20552; (202) 435–9575; 

and CFPB_Public_PRA@cfpb.gov. 

• OMB: 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 the Bureau of 

Consumer Financial Protection 

(Attention: PRA Office), 1700 G Street, 

NW., Washington, DC 20552, (202) 435– 

9575, or through the internet at 

CFPB_Public_PRA@cfpb.gov. 

SUPPLEMENTARY INFORMATION: 

Title: Quantitative Testing of 

Integrated Mortgage Loan Disclosure 

Forms. 

OMB Number: 3170–XXXX. 

Type of Review: New Clearance 

Request. 

Abstract: This is a request by the 

CFPB for clearance from OMB to collect 

information as part of quantitative 

research related to residential mortgage 

loan disclosures. The Dodd-Frank Wall 

Street Reform and Consumer Protection 

Act, Public Law 111–203, Title X, 

requires the CFPB to publish disclosures 

that integrate separate disclosures 

concerning residential mortgage loans 

that are required under the Truth in 

Lending Act (TILA) and Real Estate 

Settlement Procedures Act (RESPA). 

The Bureau conducted qualitative 

testing of prototype integrated 

disclosures, see OMB No. 1505–0233 

and OMB No. 3170–0003, prior to 

issuing a proposed rule regarding such 

disclosures. See 77 FR 51116 (Aug. 23, 

2012). The proposed information 

collection will involve quantitative 

testing of the integrated disclosures 

proposed by the Bureau that would be 

given in connection with the 

application and consummation of the 

mortgage loan transaction. The purpose 

of the quantitative testing will be to 

examine whether the disclosures aid 

consumers in understanding the terms 

of the mortgage loan that is the subject 

of the disclosure. 

The quantitative research will involve 

testing the mortgage loan disclosures 

currently provided under TILA and 

sections 4 and 5 of RESPA, to assess the 

performance of the proposed integrated 

disclosures in comparison to the current 

disclosure. The CFPB will collect 

quantitative data through the use of a 

structured questionnaire that consists of 

multiple choice and open-ended 

questions regarding several sample 

disclosures. The quantitative data will 

inform the Bureau’s evaluation of the 

proposed integrated disclosures. The 

research will result in an assessment of 

the performance of the integrated 

disclosures with respect to 

comprehension, comparison, and choice 

of mortgage loan transactions. 

The research activities will be 

conducted primarily by external 

contractors employing quantitative 

research methodologies. The contractors 

will select participants via screening 

questionnaires to ensure they qualify for 

the study according to specified criteria. 

All information will be collected on a 

voluntary basis. This approach has been 

demonstrated to be feasible and 

valuable by other Federal agencies in 

developing disclosures and other forms. 

The planned research activities will be 

conducted during FY 2013 through FY 

2014 with the goal of creating effective 

disclosures. 

Affected Public: Individuals or 

Households. 

Process 

Estimated 

number of respondents 

Estimated average burden 

per response 

(minutes) 

Total estimated burden 

hours 

Study Respondents ..................................................................................................................... 850 60 850 

Screening ..................................................................................................................................... 3,000 10 500 

Travel Time and Administration at Site ....................................................................................... 900 80 1,200 

Total: ..................................................................................................................................... ........................ ........................ 2,550 

An agency may not conduct or 

sponsor, and a respondent is not 

required to respond to, an information 

collection unless the information 

collection displays a currently valid 

OMB control number. 

The Bureau issued a 60-day Federal 

Register notice on March 28, 2012, 77 

FR 18793. Comments were solicited and 

continue to be invited on: (a) Whether 

the collection of information is 

necessary for the proper performance of 

the functions of the Bureau, including 

whether the information shall have 

practical utility; (b) the accuracy of the 

Bureau’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, electronic, mechanical, or 

other technological collection 

techniques or other forms of information 

technology. 

Dated: January 29, 2013. 

Chris Willey, 

Chief Information Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2013–02427 Filed 2–4–13; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

[Docket No. CFPB–2013–0003] 

Request for Information Regarding 

Financial Products Marketed to 

Students Enrolled in Institutions of 

Higher Education 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for 

information. 

SUMMARY: Section 1021 of the DoddFrank Wall Street Reform and Consumer 

Protection Act of 2010 (Dodd-Frank Act) 

charges the Consumer Financial 

Protection Bureau (Bureau or CFPB) 

with ‘‘collecting, researching, 

monitoring and publishing information’’ 

about consumer financial products and 

services. The Bureau seeks information 

on how current and future partnerships 

or other arrangements between 

institutions of higher education 

(including their affiliated entities) and 

financial institutions could be 

structured to promote positive financial 

decision-making among young 

consumers. We also seek information to 

develop a clearer picture of the financial 

products and services that are being 

offered to college students, as well as 

consumers’ experiences using those 

products and services. The Bureau 


tkelley on DSK3SPTVN1PROD with NOTICES