Federal Register / Vol. 72, No. 97 / Monday, May 21, 2007 / Notices 28555 

Reg C—12 CFR 203—Home Mortgage 

Disclosure 

Requires certain mortgage lenders to 

report certain home loan application 

information and to disclose certain data 

regarding their home mortgage lending. 

Reg E—12 CFR—205—Electronic Fund 

Transfers 

Establishes the rights, liabilities, and 

responsibilities of parties in electronic 

funds transfers and protects consumers 

when they use such systems. 

Reg M—12 CFR 213—Consumer 

Leasing 

Implements the consumer leasing 

provisions of the Truth in Lending Act 

by requiring meaningful disclosure of 

leasing terms. 

Reg Z—12 CFR 226—Truth in Lending 

Prescribes uniform methods for 

computing the cost of credit, for 

disclosing credit terms and costs, and 

for resolving errors on certain types of 

credit accounts. 

Reg CC—12 CFR 229—Availability of 

Funds and Collection of Checks 

Governs the availability of funds 

deposited in checking accounts, the 

collection and return of checks, and 

substitute checks. 

Reg DD—12 CFR 230—Truth in Savings 

Requires depository institutions to 

provide disclosures to enable consumers 

to make meaningful comparisons of 

deposit accounts. 

Affected Public: Businesses or other 

for-profit. 

Burden Estimates: 

Estimated Number of Respondents: 

1,800. 

Estimated Number of Responses: 

1,800. 

Estimated Annual Burden: 3,539,052 

hours. 

Frequency of Response: On occasion. 

Comments: Comments submitted in 

response to this notice will be 

summarized and included in the request 

for OMB approval. All comments will 

become a matter of public record. 

Comments are invited on: 

(a) Whether the collection of 

information is necessary for the proper 

performance of the functions of the 

agency, including whether the 

information has practical utility; 

(b) The accuracy of the agency’s 

estimate of the burden of the collection 

of information; 

(c) Ways to enhance the quality, 

utility, and clarity of the information to 

be collected; 

(d) Ways to minimize the burden of 

the collection on respondents, including 

through the use of automated collection 

techniques or other forms of information 

technology; and 

(e) Estimates of capital or startup costs 

and costs of operation, maintenance, 

and purchase of services to provide 

information. 

Dated: May 15, 2007. 

Stuart Feldstein, 

Assistant Director, Legislative and Regulatory 

Activities Division, Office of the Comptroller 

of the Currency. 

[FR Doc. 07–2520 Filed 5–18–07; 8:45 am] 

BILLING CODE 4810–33–P 

DEPARTMENT OF THE TREASURY 

Office of the Comptroller of the 

Currency 

Agency Information Collection 

Activities: Submission for OMB 

Review; Comment Request 

AGENCY: Office of the Comptroller of the 

Currency (OCC), Treasury. 

ACTION: Notice and request for comment. 

SUMMARY: The OCC, as part of its 

continuing effort to reduce paperwork 

and respondent burden, invites the 

general public and other Federal 

agencies to comment on a continuing 

information collection, as required by 

the Paperwork Reduction Act of 1995. 

An agency may not conduct or sponsor, 

and a respondent is not required to 

respond to, an information collection 

unless it displays a currently valid 

Office of Management and Budget 

(OMB) control number. The OCC is 

soliciting comment concerning an 

extension of OMB approval of the 

information collection titled, 

‘‘Disclosure of Financial and Other 

Information by National Banks (12 CFR 

18).’’ The OCC also gives notice that it 

has sent the information collection to 

OMB for review and approval. 

DATES: Comments must be submitted on 

or before June 20, 2007. 

ADDRESSES: Communications Division, 

Office of the Comptroller of the 

Currency, Public Information Room, 

Mailstop 1–5, Attention: 1557–0182, 

250 E Street, SW., Washington, DC 

20219. In addition, comments may be 

sent by fax to (202) 874–4448, or by 

electronic mail to 

regs.comments@occ.treas.gov. You can 

inspect and photocopy the comments at 

the OCC’s Public Information Room, 250 

E Street, SW., Washington, DC 20219. 

You can make an appointment to 

inspect the comments by calling (202) 

874–5043. 

Additionally, you should send a copy 

of your comments to OCC Desk Officer, 

1557–0182, by mail to U.S. Office of 

Management and Budget, 725 17th 

Street, NW., #10235, Washington, DC 

20503, or by fax to (202) 395–6974. 

FOR FURTHER INFORMATION CONTACT: You 

may request additional information or a 

copy of the collection and supporting 

documentation submitted to OMB by 

contacting: Mary Gottlieb or Camille 

Dickerson, (202) 874–5090, Legislative 

and Regulatory Activities Division, 

Office of the Comptroller of the 

Currency, 250 E Street, SW., 

Washington, DC 20219. 

SUPPLEMENTARY INFORMATION: 

Title: Disclosure of Financial and 

Other Information by National Banks 

(12 CFR 18). 

OMB Control No.: 1557–0182. 

Type of Review: Extension, without 

revision, of a currently approved 

collection. 

Description: The collections of 

information are found in 12 CFR 18.4(c) 

and 18.8. Section 18.4(c) permits a bank 

to prepare an optional narrative for 

inclusion in its annual disclosure 

statement. Section 18.8 requires that a 

national bank promptly furnish 

materials in response to a request. 

The regulation applies to 

approximately 1,800 national banks and 

50 Federal branches and agencies. Most 

banks will use their Call Reports or 

information prepared for annual reports 

as their disclosure material. 

This program of periodic financial 

disclosure is needed, not only to 

facilitate informed decision making by 

existing and potential customers and 

investors, but also to improve public 

understanding of, and confidence in, the 

financial condition of individual 

national banks and the national banking 

system. Further, financial disclosure 

reduces the likelihood that the market 

will overreact to incomplete 

information. 

Affected Public: Businesses or other 

for-profit. 

Burden Estimates: 

Estimated Number of Respondents: 

1,850. 

Estimated Number of Responses: 

1,850. 

Estimated Annual Burden: 925 hours. 

Frequency of Response: On occasion. 

Comments: A 60-day Federal Register 

Notice was issued on March 14, 2007 

(72 FR 11933). No comments were 

received. Comments continue to be 

invited on: 

(a) Whether the collection of 

information is necessary for the proper 

performance of the functions of the 

agency, including whether the 

information has practical utility; 


pwalker on PROD1PC71 with NOTICES
28556 Federal Register / Vol. 72, No. 97 / Monday, May 21, 2007 / Notices 

(b) The accuracy of the agency’s 

estimate of the burden of the collection 

of information; 

(c) Ways to enhance the quality, 

utility, and clarity of the information to 

be collected; 

(d) Ways to minimize the burden of 

the collection on respondents, including 

through the use of automated collection 

techniques or other forms of information 

technology; and 

(e) Estimates of capital or startup costs 

and costs of operation, maintenance, 

and purchase of services to provide 

information. 

Dated: May 15, 2007. 

Stuart Feldstein, 

Assistant Director, Legislative and Regulatory 

Activities Division, Office of the Comptroller 

of the Currency. 

[FR Doc. 07–2521 Filed 5–18–07; 8:45 am] 

BILLING CODE 4810–33–P 

DEPARTMENT OF THE TREASURY 

Office of the Comptroller of the 

Currency 

Agency Information Collection 

Activities: Submission for OMB 

Review; Comment Request 

AGENCY: Office of the Comptroller of the 

Currency (OCC), Treasury. 

ACTION: Notice and request for comment. 

SUMMARY: The OCC, as part of its 

continuing effort to reduce paperwork 

and respondent burden, invites the 

general public and other Federal 

agencies to comment on a continuing 

information collection, as required by 

the Paperwork Reduction Act of 1995. 

An agency may not conduct or sponsor, 

and a respondent is not required to 

respond to, an information collection 

unless it displays a currently valid 

Office of Management and Budget 

(OMB) control number. The OCC is 

soliciting comment concerning an 

extension of OMB approval of the 

information collection titled, ‘‘(MA) 

Real Estate Lending and Appraisals (12 

CFR 34).’’ The OCC also gives notice 

that it has sent the information 

collection to OMB for review and 

approval. 

DATES: Comments must be submitted on 

or before June 20, 2007. 

ADDRESSES: Communications Division, 

Office of the Comptroller of the 

Currency, Public Information Room, 

Mailstop 1–5, Attention: 1557–0190, 

250 E Street, SW., Washington, DC 

20219. In addition, comments may be 

sent by fax to (202) 874–4448, or by 

electronic mail to 

regs.comments@occ.treas.gov. You can 

inspect and photocopy the comments at 

the OCC’s Public Information Room, 250 

E Street, SW., Washington, DC 20219. 

You can make an appointment to 

inspect the comments by calling (202) 

874–5043. 

Additionally, you should send a copy 

of your comments to OCC Desk Officer, 

1557–0190, by mail to U.S. Office of 

Management and Budget, 725 17th 

Street, NW., #10235, Washington, DC 

20503, or by fax to (202) 395–6974. 

FOR FURTHER INFORMATION CONTACT: You 

may request additional information or a 

copy of the collection and supporting 

documentation submitted to OMB by 

contacting: Mary Gottlieb or Camille 

Dickerson, (202) 874–5090, Legislative 

and Regulatory Activities Division, 

Office of the Comptroller of the 

Currency, 250 E Street, SW., 

Washington, DC 20219. 

SUPPLEMENTARY INFORMATION: 

Title: (MA) Real Estate Lending and 

Appraisals (12 CFR 34). 

OMB Control No.: 1557–0190. 

Type of Review: Extension, without 

revision, of a currently approved 

collection. 

Description: Title XI of the Financial 

Institutions Reform, Recovery and 

Enforcement Act of 1989 (FIRREA), 12 

U.S.C. 3331 et seq., directs the Federal 

banking agencies to publish appraisal 

rules for federally related transactions. 

This submission covers those statutorily 

required appraisal rules. These 

regulations are required by statute and 

are used by the agencies to ensure the 

safe and sound operation of financial 

institutions. 

National banks must review and 

maintain records required under 12 CFR 

Part 34 Subpart C (Appraisal 

Requirements) and Subpart D (Real 

Estate Lending Standards) and file the 

reports required by Subpart E (Other 

Real Estate Owned). 

Affected Public: Businesses or other 

for-profit. 

Burden Estimates: 

Estimated Number of Respondents: 

1,800. 

Estimated Number of Responses: 

3,610. 

Estimated Annual Burden: 99,050 

hours. 

Frequency of Response: On occasion. 

Comments: A 60-day Federal Register 

Notice was issued on March 14, 2007 

(72 FR 11934). No comments were 

received. Comments continue to be 

invited on: 

(a) Whether the collection of 

information is necessary for the proper 

performance of the functions of the 

agency, including whether the 

information has practical utility; 

(b) The accuracy of the agency’s 

estimate of the burden of the collection 

of information; 

(c) Ways to enhance the quality, 

utility, and clarity of the information to 

be collected; 

(d) Ways to minimize the burden of 

the collection on respondents, including 

through the use of automated collection 

techniques or other forms of information 

technology; and 

(e) Estimates of capital or startup costs 

and costs of operation, maintenance, 

and purchase of services to provide 

information. 

Dated: May 15, 2007. 

Stuart Feldstein, 

Assistant Director, Legislative and Regulatory 

Activities Division, Office of the Comptroller 

of the Currency. 

[FR Doc. 07–2523 Filed 5–18–07; 8:45 am] 

BILLING CODE 4810–33–P 


pwalker on PROD1PC71 with NOTICES