### 46069 Federal Register / Vol. 77, No. 149 / Thursday, August 2, 2012 / Notices

1 See Financial Education Core Competencies; Comment Request, Dept. of Treasury, Federal Register , Vol. 75, No. 165, pp. 52596–52597 (Thursday, August 26, 2010) (avail. at: http:// www.gpo.gov/fdsys/pkg/FR–2010–08–26/pdf/2010– 21305.pdf ). **BUREAU OF CONSUMER FINANCIAL PROTECTION** 

**[Docket No. CFPB–2012–0030]**

**Request for Information on Effective Financial Education** 

**AGENCY :**  Bureau of Consumer Financial
Protection.

**ACTION :**  Notice and request for information.

**SUMMARY :**  The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (‘‘Dodd-Frank’’) established the Office of Financial Education (‘‘OFE’’) within the Bureau of Consumer Financial Protection (‘‘CFPB’’) to develop and launch initiatives that will educate consumers and help them make better informed financial decisions. The CFPB’s OFE seeks public comment on effective financial education approaches—including tools, topics and dissemination strategies—that will helpimprove consumers’ financial decisionmaking capabilities.

**DATES :**  Comments must be received on or before October 31, 2012.

**ADDRESSES :**  You may submit comments, identified by Docket No. CFPB–2012– 0030, by any of the following methods:

• Electronic: http:// www.regulations.gov. Follow the instructions for submitting comments.

• Mail/Hand Delivery/Courier: Monica Jackson, Office of the Executive Secretary, Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552.

Instructions: The CFPB encourages the early submission of comments. All submissions must include the agency name, document title and docket number. Please note the number of the question you are answering at the top of each response (you do not need to answer all questions). In general, all comments received will be posted without change to http:// www.regulations.gov. In addition, comments will be available for public inspection and copying at 1700 G Street NW., Washington, DC 20552, on official business days between the hours of 10 a.m. and 5 p.m. Eastern Time. You can make an appointment to inspect the documents by telephoning (202) 435– 7275. All comments, including attachments and other supporting materials, will become part of the public record and subject to public disclosure. Sensitive personal information such as account numbers or Social Security numbers should not be included. Comments will not be edited to remove any identifying or contact information.

**FOR FURTHER INFORMATION CONTACT :**  For general inquiries and submission process questions, please contact Monica Jackson, Assistant Executive Secretary, Office of the Executive Secretary, at (202) 435–7275. For financial education questions, please contact Dubis Correal, Strategic Partnerships and Outreach Coordinator, Office of Financial Education, at (202)

435–7937.

**SUPPLEMENTARY INFORMATION :**  The CFPB’s OFE seeks public comment on effective financial education approaches that create opportunities for consumers to improve their financial decision making capabilities. OFE is interested in promoting innovation to assist consumers in solving common, discrete financial decision-making problems where behavioral approaches could be valuable. Some of these common financial decisions could be facilitated by a number of approaches that specifically address the behavioral impediments to progress. The questions listed below reflect one or more of the areas mentioned above. Please feel free to respond to any or all of the questions below and please be sure to indicate in your comments on which questions you are commenting. Comments could include, where appropriate, specific examples or related research and/or program evaluation that illustrate your

comments.

1. In your experience, what are consumers’ most common financial decision-making challenges?

2. Is there a common set (or lack) of habits, attitudes, or practices, and if so, what are they?

3. What are the major challenges in providing financial education that would help adult consumers address the issues identified in questions 1 and 2, and that would lead to good financial outcomes for recipients?

4. Given the five core areas 1 (earning, spending, saving and investing, borrowing, and protecting) identified by the Financial Literacy and Education Commission in 2010, what skills are most helpful for building capability in the areas of spending, savings and borrowing? What information on these and other topics should the CFPB further develop and disseminate?

5. How might CFPB effectively disseminate financial literacy and education resources that will help consumers build the necessary skills to achieve good financial outcomes?

6. What financial education tools, topics, or practices designed to help consumers improve their own financial decision-making lead to measurable
outcomes?

7. What research in behavioral economics or other academic fields— published or still in process—provides insight into financial education approaches that can help consumers achieve their own financial goals?

Dated: July 27, 2012. Garry Reeder, Chief of Staff, Bureau of Consumer Financial
Protection.

[FR Doc. 2012–18830 Filed 8–1–12; 8:45 am]

**BILLING CODE 4810–AM–P**

**BUREAU OF CONSUMER FINANCIAL PROTECTION** 

**Proposed Guidelines for Ensuring and Maximizing the Quality, Objectivity,**  **Utility, and Integrity of Information Disseminated by the Bureau of**  **Consumer Financial Protection**

**AGENCY :**  Bureau of Consumer Financial
Protection.

**ACTION :**  Notice of availability; request for comment.

**SUMMARY :**  This document announces the availability of the Bureau of Consumer Financial Protection (Bureau or CFPB’s) guidelines to ensure and maximize the quality, objectivity, utility, and integrity of information disseminated by the Bureau. These guidelines also detail the administrative mechanisms developed by the Bureau to allow affected persons to seek and obtain appropriate correction of information maintained and disseminated by the Bureau that does not comply with the Office of Management and Budget (OMB) or the Bureau guidelines. This notice also provides an opportunity for public comment on the Bureau’s guidelines.

**DATES :**  To be considered, comments must be received by September 4, 2012.

**ADDRESSES :**  You may submit comments, identified by the title of this notice, by any of the following methods:

• Electronic:
CFPB

_IQ

_Submissions@cfpb.gov.

• Mail/Hand Delivery/Courier: Monica Jackson, Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552.

Comments will be available for public inspection and copying at 1700 G Street NW., Washington, DC 20552, on official business days between the hours of 10 a.m. and 5 p.m. Eastern Time. You can make an appointment to inspect the documents by telephoning (202) 435– 7275. All comments, including attachments and other supporting materials, will become part of the public


### 46070 Federal Register / Vol. 77, No. 149 / Thursday, August 2, 2012 / Notices

record and subject to public disclosure. Sensitive personal information, such as account numbers or social security numbers, should not be included. Comments will not be edited to remove any identifying or contact information.

**FOR FURTHER INFORMATION CONTACT :**  Requests for additional information should be directed to Christopher Willey, Chief Information Officer, Consumer Financial Protection Bureau, (202) 435–7741.

**SUPPLEMENTARY INFORMATION :**  This notice and the Bureau’s guidelines are required by section 515 of the Treasury and General Government Appropriations Act for FY 2001 (Pub. L. 106–554) and the OMB Guidelines published on January 3, 2002, at 67 FR 369–378 (reprinted February 5, 2002, at 67 FR 5365). The Bureau’s draft report is available for public inspection at the Bureau’s Web site, www.consumerfinance.gov.

Dated: July 19, 2012. Richard Cordray, Director, Bureau of Consumer Financial
Protection.

[FR Doc. 2012–18828 Filed 8–1–12; 8:45 am]

**BILLING CODE 4810–AM–P**

**DEPARTMENT OF EDUCATION**

**Applications for New Awards; State Personnel Development Grants (SPDG)**  **Program**

**AGENCY :**  Office of Special Education and Rehabilitative Services, Department of Education.

**ACTION :**  Notice.

Overview Information: State Personnel Development Grants

(SPDG) Program Notice Inviting Applications for New

Awards for Fiscal Year (FY) 2012. Catalog of Federal Domestic Assistance (CFDA) Number: 84.323A.

**DATES :** 

Applications Available: August 2,

2012.

Deadline for Transmittal of Applications: September 4, 2012.

Full Text of Announcement
I. Funding Opportunity Description

Purpose of Program: The purpose of this program, authorized by the Individuals with Disabilities Education Act (IDEA), is to assist State educational agencies (SEAs) in reforming and improving their systems for personnel preparation and professional development in early intervention, educational, and transition services in order to improve results for children with disabilities.

Priorities: This notice contains two absolute priorities and one competitive preference priority.

Absolute Priorities: Priority 1 is from the notice of final priorities and definitions for this program, published elsewhere in this issue of the Federal Register. In accordance with 34 CFR 75.105(b)(2)(iv), Priority 2 is from sections 651 through 655 of IDEA.

For FY 2012 and any subsequent year in which we make awards from the list of unfunded applicants from this competition, these priorities are absolute priorities. Under 34 CFR 75.105(c)(3), we consider only applications that meet both of these priorities.

These priorities are: Priority 1—Effective and Efficient Delivery of Professional Development

.

The Assistant Secretary for Special Education and Rehabilitative Services establishes a priority to assist SEAs in reforming and improving their systems for personnel (as that term is defined in section 651(b) of IDEA) preparation and professional development of individuals providing early intervention, educational, and transition services in order to improve results for children with disabilities.

In order to meet this priority an applicant must demonstrate in the SPDG State Plan it submits as part of its application under section 653(a)(2) of IDEA that its proposed project will—

(1) Use evidence-based (as defined in this notice) professional development practices that will increase implementation of evidence-based practices and result in improved outcomes for children with disabilities;

(2) Provide ongoing assistance to personnel receiving SPDG-supported professional development that supports the implementation of evidence-based practices with fidelity (as defined in this notice); and

(3) Use technology to more efficiently and effectively provide ongoing professional development to personnel, including to personnel in rural areas and to other populations, such as personnel in urban or high-need local educational agencies (LEAs) (as defined in this notice).

Absolute Priority 2—State Personnel Development Grants

.

Statutory Requirements. To meet this priority, an applicant must meet the following statutory requirements:

1. State Personnel Development Plan. An applicant must submit a State Personnel Development Plan that identifies and addresses the State and local needs for the personnel preparation and professional development of personnel, as well as individuals who provide direct supplementary aids and services to children with disabilities, and that—

(a) Is designed to enable the State to meet the requirements of section 612(a)(14) and section 635(a)(8) and (9) of IDEA;

(b) Is based on an assessment of State and local needs that identifies critical aspects and areas in need of improvement related to the preparation, ongoing training, and professional development of personnel who serve infants, toddlers, preschoolers, and children with disabilities within the State, including—

(1) Current and anticipated personnel vacancies and shortages; and

(2) The number of preservice and inservice programs;

(c) Is integrated and aligned, to the maximum extent possible, with State plans and activities under the Elementary and Secondary Education Act of 1965, as amended (ESEA); the Rehabilitation Act of 1973, as amended; and the Higher Education Act of 1965, as amended (HEA);

(d) Describes a partnership agreement that is in effect for the period of the grant, which agreement must specify—

(1) The nature and extent of the partnership described in accordance with section 652(b) of IDEA and the respective roles of each member of the partnership, including, if applicable, an individual, entity, or agency other than the SEA that has the responsibility under State law for teacher preparation and certification; and

(2) How the SEA will work with other persons and organizations involved in, and concerned with, the education of children with disabilities, including the respective roles of each of the persons and organizations;

(e) Describes how the strategies and activities the SEA uses to address identified professional development and personnel needs will be coordinated with activities supported with other public resources (including funds provided under Part B and Part C of IDEA and retained for use at the State level for personnel and professional development purposes) and private

resources;

(f) Describes how the SEA will align its personnel development plan with the plan and application submitted under sections 1111 and 2112, respectively, of the ESEA;

(g) Describes strategies the SEA will use to address the identified professional development and personnel needs and how such