47586 Federal Register / Vol. 74, No. 178 / Wednesday, September 16, 2009 / Notices 

• E-mail: Comments@FDIC.gov. 

Include the name of the collection in the 

subject line of the message. 

• Mail: Gary A. Kuiper, Counsel, 

202.898.3877, Legal Division, Federal 

Deposit Insurance Corporation, 550 17th 

Street, NW., Washington, DC 20429. 

• Hand Delivery: Comments may be 

hand-delivered to the guard station at 

the rear of the 550 17th Street Building 

(located on F Street), on business days 

between 7 a.m. and 5 p.m. 

• Public Inspection: All comments 

received will be posted without change 

to http://www.fdic.gov/regulations/laws/ 

federal/propose.html including any 

personal information provided. 

Comments may be inspected at the FDIC 

Public Information Center, Room E– 

1002, 3501 Fairfax Drive, Arlington, VA 

22226, between 9 a.m. and 5 p.m. on 

business days. 

Comments may also be submitted to 

the OMB desk officer for the FDIC: 

Office of Information and Regulatory 

Affairs, Office of Management and 

Budget, New Executive Office Building, 

Room 10235, 727 17th Street, NW., 

Washington, DC 20503. 

FOR FURTHER INFORMATION CONTACT: Gary 

A. Kuiper at the address identified 

above. 

SUPPLEMENTARY INFORMATION: 

Proposal to renew the following 

currently approved collection of 

information: 

Title: Identity Theft Red Flags and 

Address Discrepancies under the Fair 

and Accurate Credit Transactions Act of 

2003 (FACT Act). 

OMB Number: 3064–0152. 

Affected Public: Individuals; 

Businesses or other for-profit. 

Estimated Number of Respondents: 

5260. 

Estimated Time per Response: 16 

hours. 

Estimated Total Annual Burden: 

84,160 hours. 

General Description of the Collection: 

12 CFR 334.82, 334.90, 334.91 and 

Appendix J to Part 334 implement 

sections 114 and 315 of the Fair and 

Accurate Credit Transactions Act of 

2003 (FACT Act), Public Law 108–159 

(2003). Section 114 amended section 

615 of the Fair Credit Reporting Act 

(FCRA) to require the OCC, FRB, FDIC, 

OTS, NCUA, and FTC (Agencies) to 

issue jointly (i) Guidelines for financial 

institutions and creditors regarding 

identity theft with respect to their 

account holders and customers; (ii) 

regulations requiring each financial 

institution and creditor to establish 

reasonable policies and procedures for 

implementing the guidelines to identify 

possible risks to account holders or 

customers or to the safety and 

soundness of the institution or creditor; 

and (iii) regulations generally requiring 

credit and debit card issuers to assess 

the validity of change of address 

requests under certain circumstances. 

Section 315 amended section 605 of the 

FCRA to require the Agencies to issue 

regulations providing guidance 

regarding reasonable policies and 

procedures that a user of consumer 

reports must employ when a user 

receives a notice of address discrepancy 

from a consumer reporting agency 

(CRA). The information collections in 

Sec. 334.90 require each financial 

institution and creditor that offers or 

maintains one or more covered accounts 

to develop and implement a written 

Identity Theft Prevention Program 

(Program). In developing the Program, 

financial institutions and creditors are 

required to consider the guidelines in 

Appendix J to Part 334 and include 

those that are appropriate. The initial 

Program must be approved by the board 

of directors or an appropriate committee 

thereof and the board, an appropriate 

committee thereof or a designated 

employee at the level of senior 

management must be involved in the 

oversight of the Program. In addition, 

staff must be trained to carry out the 

Program. Pursuant to Sec. 334.91, each 

credit and debit card issuer is required 

to establish and implement policies and 

procedures to assess the validity of a 

change of address request under certain 

circumstances. Before issuing an 

additional or replacement card, the card 

issuer must notify the cardholder or use 

another means to assess the validity of 

the change of address. The information 

collections in Sec. 41.82 require each 

user of consumer reports to develop and 

implement reasonable policies and 

procedures designed to enable the user 

to form a reasonable belief that a 

consumer report relates to the consumer 

about whom it requested the report 

when the user receives a notice of 

address discrepancy from a CRA. A user 

of consumer reports must also develop 

and implement reasonable policies and 

procedures for furnishing an address for 

the consumer that the user has 

reasonably confirmed to be accurate to 

the CRA from which it receives a notice 

of address discrepancy when (1) The 

user can form a reasonable belief that 

the consumer report relates to the 

consumer about whom the user has 

requested the report; (2) the user 

establishes a continuing relationship 

with the consumer; and (3) the user 

regularly and in the ordinary course of 

business furnishes information to the 

CRA from which it received the notice 

of address discrepancy. 

Request for Comment 

Comments are invited on: (a) Whether 

the collection of information is 

necessary for the proper performance of 

the FDIC’s functions, including whether 

the information has practical utility; (b) 

the accuracy of the estimates of the 

burden of the information collections, 

including the validity of the 

methodology and 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 information collection on 

respondents, including through the use 

of automated collection techniques or 

other forms of information technology. 

All comments will become a matter of 

public record. 

Dated at Washington, DC, this 10th day of 

September, 2009. 

Federal Deposit Insurance Corporation. 

Robert E. Feldman, 

Executive Secretary. 

[FR Doc. E9–22237 Filed 9–15–09; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

Agency Information Collection 

Activities: Submission for OMB 

Review; Comment Request (3064– 

0046, 0090, 0093, 0138, & 0145) 

AGENCY: Federal Deposit Insurance 

Corporation (FDIC). 

ACTION: Notice of information 

collections 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. 

chapter 35), 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 the collections of 

information described below: 

DATES: Comments must be submitted on 

or before October 16, 2009. 

ADDRESSES: Interested parties are 

invited to submit written comments to 

FDIC by any of the following methods. 

All comments should refer to the name 

of the collection as well as the OMB 

control number(s): 

• Web site: http://www.FDIC.gov/ 

regulations/laws/federal/notices.html. 

• E-mail: Comments@FDIC.gov. 

Include the name of the collection in the 

subject line of the message. 


srobinson on DSKHWCL6B1PROD with NOTICES
Federal Register / Vol. 74, No. 178 / Wednesday, September 16, 2009 / Notices 47587 

• Mail: Gary A. Kuiper, Counsel, 

202.898.3877, Legal Division, Federal 

Deposit Insurance Corporation, 550 17th 

Street, NW., Washington, DC 20429. 

• Hand Delivery: Comments may be 

hand-delivered to the guard station at 

the rear of the 550 17th Street Building 

(located on F Street), on business days 

between 7 a.m. and 5 p.m. 

• Public Inspection: All comments 

received will be posted without change 

to http://www.fdic.gov/regulations/laws/ 

federal/propose.html including any 

personal information provided. 

Comments may be inspected at the FDIC 

Public Information Center, Room E– 

1002, 3501 Fairfax Drive, Arlington, VA 

22226, between 9 a.m. and 5 p.m. on 

business days. 

Comments may also be submitted to 

the OMB desk officer for the FDIC: 

Office of Information and Regulatory 

Affairs, Office of Management and 

Budget, New Executive Office Building, 

Room 10235, 727 17th Street, NW., 

Washington, DC 20503. 

FOR FURTHER INFORMATION CONTACT: Gary 

A. Kuiper at the address identified 

above. 

SUPPLEMENTARY INFORMATION: Proposal 

to renew the following currently 

approved collections of information: 

1. Title: Home Mortgage Disclosure 

Act (HMDA). 

OMB Number: 3064–0046. 

Form Number: None. 

Frequency of Response: On occasion. 

Affected Public: Insured State 

nonmember banks. 

Estimated Number of Responses: 

1,890,384 

Estimated Time per Response: 5 

minutes. 

Total Annual Burden: 157,532 hours. 

General Description of Collection: To 

permit the FDIC to detect discrimination 

in residential mortgage lending, certain 

insured State nonmember banks are 

required by FDIC regulation 12 CFR 338 

to maintain various data on home loan 

applicants. 

2. Title: Public Disclosure by Banks. 

OMB Number: 3064–0090. 

Form Number: None. 

Frequency of Response: On occasion. 

Affected Public: Insured State 

nonmember banks. 

Estimated Number of Respondents: 

5,050. 

Estimated Time per Response: 0.5 

hours. 

Total Annual Burden: 2,525 hours. 

General Description of Collection: 12 

CFR 350 requires a bank to notify the 

general public, and in some instances 

shareholders, that financial disclosure 

statements are available on request. 

Required disclosures consist of financial 

reports for the current and preceding 

year, which can be photocopied directly 

from the year-end call reports. Also, on 

a case-by-case basis, the FDIC may 

require that descriptions of enforcement 

actions be included in disclosure 

statements. The regulation allows, but 

does not require, the inclusion of 

management discussions and analysis. 

3. Title: Notices Required of 

Government Securities Dealers or 

Brokers (Insured State Nonmember 

Banks). 

OMB Number: 3064–0093. 

Form Number: G–FIN; G–FINW; G– 

FIN4; & G–FIN5. 

Frequency of Response: On occasion. 

Affected Public: Insured State 

nonmember banks acting as government 

securities brokers and dealers. 

Estimated Number of Respondents: 

49. 

Estimated Time per Response: 1 hour. 

Total Annual Burden: 49 hours. 

General Description of Collection: The 

Government Securities Act of 1986 

requires all financial institutions acting 

as government securities brokers and 

dealers to notify their Federal regulatory 

agencies of their broker-dealer activities, 

unless exempted from the notice 

requirement by Treasury Department 

regulation. 

4. Title: Applicant Background 

Questionnaire. 

OMB Number: 3064–0138. 

Form Number: FDIC 2100/14. 

Frequency of Response: On occasion. 

Affected Public: FDIC job applicants 

who are not current FDIC employees. 

Estimated Number of Respondents: 

30,000. 

Estimated Time per Response: 3 

minutes. 

Total Annual Burden: 1500 hours. 

General Description of Collection: The 

FDIC Applicant Background 

Questionnaire is completed voluntarily 

by FDIC job applicants who are not 

current FDIC employees. Responses to 

questions on the survey provide 

information on gender, age, disability, 

race/national origin, and to the 

applicant’s source of vacancy 

announcement information. Data is used 

by the Office of Diversity and Economic 

Opportunity and the Personnel Services 

Branch to evaluate the effectiveness of 

various recruitment methods used by 

the FDIC to ensure that the agency 

meets workforce diversity objectives. 

5. Title: Notice Regarding 

Unauthorized Access to Customer 

Information. 

OMB Number: 3064–0145. 

Form Number: None. 

Frequency of Response: On occasion. 

Affected Public: Insured State 

nonmember banks. 

Number of FDIC Regulated Banks that 

will notify customers: 93 

Estimated Time per Response: 29 hrs. 

Annual Burden: 2,697 hours. 

General Description of Collection: 

This collection reflects the FDIC’s 

expectations regarding a response 

program that financial institutions 

should develop to address unauthorized 

access to or use of customer information 

that could result in substantial harm or 

inconvenience to a customer. The 

information collections require financial 

institutions to: (1) Develop notices to 

customers; and (2) in certain 

circumstances, determine which 

customers should receive the notices 

and send the notices to customers. 

Request for Comment 

Comments are invited on: (a) Whether 

the collections of information are 

necessary for the proper performance of 

the FDIC’s functions, including whether 

the information has practical utility; (b) 

the accuracy of the estimates of the 

burden of the information collections, 

including the validity of the 

methodology and 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 information collection on 

respondents, including through the use 

of automated collection techniques or 

other forms of information technology. 

All comments will become a matter of 

public record. 

Dated at Washington, DC, this 10th day of 

September, 2009. 

Robert E. Feldman, 

Executive Secretary, Federal Deposit 

Insurance Corporation. 

[FR Doc. E9–22238 Filed 9–15–09; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL ELECTION COMMISSION 

[Notice 2009–20] 

Filing Dates for the Massachusetts 

Senate Special Election 

AGENCY: Federal Election Commission. 

ACTION: Notice of filing dates for special 

election. 

SUMMARY: Massachusetts has scheduled 

elections on December 8, 2009, and 

January 19, 2010, to fill the vacant U.S. 

Senate seat held by the late Senator 

Edward M. Kennedy. 

Committees required to file reports in 

connection with the Special Primary 

Election on December 8, 2009, shall file 

a 12-day Pre-Primary Report. 

Committees required to file reports in 

connection with both the Special 

Primary and Special General Election on 


srobinson on DSKHWCL6B1PROD with NOTICES