61474 Federal Register / Vol. 71, No. 201 / Wednesday, October 18, 2006 / Notices 

1The comment must be accompanied by an 

explicit request for confidential treatment, 

including the factual and legal basis for the request, 

and must identify the specific portions of the 

comment to be withheld from the public record. 

The request will be granted or denied by the 

Commission’s General Counsel, consistent with 

applicable law and the public interest. See 

Commission Rule 4.9(c), 16 CFR 4.9(c). 

requirements for IDIs and affiliates and 

three disclosure requirements and one 

reporting requirement for NGEPs. Please 

see the agency’s OMB supporting 

statement for a summary of the 

disclosure and reporting requirements 

of Regulation G, http:// 

www.federalreserve.gov/boarddocs/ 

reportforms/review.cfm. 

The disclosure and reporting 

requirements in connection with 

Regulation G are mandatory and apply 

to state member banks and their 

subsidiaries; bank holding companies; 

affiliates of bank holding companies, 

other than banks, savings associations, 

and subsidiaries of banks and savings 

associations; and NGEPs that enter into 

covered agreements with any of the 

aforementioned companies. 

2. Report title: Disclosure 

Requirements in Connection With 

Regulation H (Consumer Protections in 

Sales of Insurance) 

Agency form number: Reg H–7 

OMB control number: 7100–0298 

Frequency: On occasion 

Reporters: State member banks 

Annual reporting hours: 14,159 hours 

Number of respondents: 899 

Estimated average hours per response: 

1.5 minutes 

General description of report: This 

information collection is mandatory 

pursuant the Federal Deposit Insurance 

Act, 12 U.S.C. 1831x. Since the Federal 

Reserve does not collect any 

information, no issue of confidentiality 

normally arises. 

Abstract: Section 305 of the Gramm–

Leach–Bliley Act requires financial 

institutions to provide written and oral 

disclosures to consumers in connection 

with the initial sale of an insurance 

product or annuity concerning its 

uninsured nature and the existence of 

the investment risk, if appropriate, and 

the fact that insurance sales and credit 

may not be tied. 

Covered persons must make insurance 

disclosures before the completion of the 

initial sale of an insurance product or 

annuity to a consumer. The disclosure 

must be made orally and in writing to 

the consumer that: (1) the insurance 

product or annuity is not a deposit or 

other obligation of, or guaranteed by, the 

financial institution or an affiliate of the 

financial institution; (2) the insurance 

product or annuity is not insured by the 

FDIC or any other agency of the United 

States, the financial institution, or (if 

applicable) an affiliate of the financial 

institution; and (3) in the case of an 

insurance product or annuity that 

involves an investment risk, there is 

investment risk associated with the 

product, including the possible loss of 

value. 

Covered persons must make a credit 

disclosure at the time a consumer 

applies for an extension of credit in 

connection with which an insurance 

product or annuity is solicited, offered, 

or sold. The disclosure must be made 

orally and in writing that the financial 

institution may not condition an 

extension of credit on either: (1) the 

consumer’s purchase of an insurance 

product or annuity from the financial 

institution or any of its affiliates; or (2) 

the consumer’s agreement not to obtain, 

or a prohibition on the consumer from 

obtaining, an insurance product or 

annuity from an unaffiliated entity. 

Board of Governors of the Federal Reserve 

System, October 13, 2006. 

Jennifer J. Johnson, 

Secretary of the Board. 

[FR Doc. E6–17337 Filed 10–17–06; 8:45 am] 

BILLING CODE 6210–01–S 

FEDERAL TRADE COMMISSION 

Sunshine Act Meeting Notice 

AGENCY: Federal Trade Commission. 

TIME AND DATE: 2 p.m., Wednesday, 

November 15, 2006. 

PLACE: Federal Trade Commission 

Building, Room 532, 600 Pennsylvania 

Avenue, NW., Washington, DC 20580. 

STATUS: Part of this meeting will be 

open to the public. The rest of the 

meeting will be closed to the public. 

MATTERS TO BE CONSIDERED: 

Portion Open to the Public: 

(1) Oral Argument in Rambus 

Incorporated, Docket 9302. 

Portion Closed to the Public: 

(2) Executive Session to follow Oral 

Argument in Rambus Incorporated, 

Docket 9302. 

FOR FURTHER INFORMATION CONTACT: 

Mitch Katz, Office of Public Affairs: 

(202) 326–2180. Recorded Message: 

(202) 326–2711. 

Donald S. Clark, 

Secretary. 

[FR Doc. 06–8783 Filed 10–16–06; 1:01 pm] 

BILLING CODE 6750–01–M 

FEDERAL TRADE COMMISSION 

[File Nos. 061 0087; 051 0065; 061 0268; 

061 0267; 051 0217] 

Information and Real Estate Services, 

LLC; Northern New England Real 

Estate Network, Inc.; Williamsburg 

Area Association of Realtors, Inc.; 

Realtors Association of Northeast 

Wisconsin, Inc.; Monmouth County 

Association of Realtors, Inc.; Analysis 

of Agreements Containing Consent 

Orders To Aid Public Comment 

AGENCY: Federal Trade Commission. 

ACTION: Proposed consent agreements. 

SUMMARY: The consent agreements in 

these matters settle alleged violations of 

federal law prohibiting unfair or 

deceptive acts or practices or unfair 

methods of competition. The attached 

Analysis to Aid Public Comment 

describes both the allegations in the 

draft complaints and the terms of the 

consent orders—embodied in the 

consent agreements—that would settle 

these allegations. 

DATES: Comments must be received on 

or before November 10, 2006. 

ADDRESSES: Interested parties are 

invited to submit written comments. 

Comments should refer to ‘‘Information 

and Real Estate Services, File No. 061 

0087; or Northern New England Real 

Estate Network, File No. 051 0065; or 

Williamsburg Area Association of 

Realtors, File No. 061 0268; or Realtors 

Association of Northeast Wisconsin, 

File No. 061 0267; or Monmouth County 

Association of Realtors, Inc., File No. 

051 0217,’’ to facilitate the organization 

of comments. A comment filed in paper 

form should include this reference both 

in the text and on the envelope, and 

should be mailed or delivered to the 

following address: Federal Trade 

Commission/Office of the Secretary, 

Room 135–H, 600 Pennsylvania 

Avenue, NW., Washington, DC 20580. 

Comments containing confidential 

material must be filed in paper form, 

must be clearly labeled ‘‘Confidential,’’

and must comply with Commission 

Rule 4.9(c). 16 CFR 4.9(c) (2005).1 The 

FTC is requesting that any comment 

filed in paper form be sent by courier or 

overnight service, if possible, because 

U.S. postal mail in the Washington area 

and at the Commission is subject to 


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