This section of the FEDERAL REGISTER contains documents other than rules or proposed rules that are applicable to the public. Notices of hearings and investigations, committee meetings, agency decisions and rulings, delegations of authority, filing of petitions and applications and agency statements of organization and functions are examples of documents appearing in this section. 

# Notices Federal Register 

### 77766

Vol. 76, No. 240

Wednesday, December 14, 2011

**BUREAU OF CONSUMER FINANCIAL PROTECTION** 

**[Docket No. CFPB–2011–0043]**

**Submission for OMB Review; Comment Request** 

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

**ACTION :**  Notice and request for public
comment.

**SUMMARY :**  The Bureau of Consumer Financial Protection (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, Public Law 104–13. The CFPB is soliciting comments on an information collection request that will be submitted to the Office of Management and Budget (OMB) for review and clearance on or after the date of publication of this notice. A copy of the submission may be obtained by contacting the agency contacts listed below.

**DATES :**  Written comments are encouraged and must be received on or before January 13, 2012 to be assured of consideration.
**COMMENTS :**  You may submit comments, identified by Docket No. CFPB–2011– 0043, by any of the following methods:

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

• Mail: Mitchell E. Hochberg or Jane Gao, Office of Regulations, Consumer Financial Protection Bureau, 1500 Pennsylvania Avenue NW., (Attn: 1801 L Street), Washington, DC 20220, with a copy to Shagufta Ahmed, Office of Management and Budget, New Executive Office Building, Room 10235, Washington, DC 20503.

• Hand Delivery/Courier: Mitchell E. Hochberg or Jane Gao, Office of Regulations, Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20006, with a copy to Shagufta Ahmed, Office of Management and Budget, New Executive Office Building, Room 10235, Washington, DC
20503.

**FOR FURTHER INFORMATION CONTACT :**  Requests for additional information should be directed to the agency contacts listed below.

**SUPPLEMENTARY INFORMATION :**  OMB Number: 3170–XXXX.

Type of Review: Emergency Clearance Request.

Title: Qualitative Testing of Mortgage Servicing Related Model Forms and Disclosures.

Description: The Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law No. 111–203, Title XIV (the ‘‘Dodd-Frank Act’’), requires CFPB to publish, in final form, certain mortgage servicing rules by January 21, 2013. These rules implement Sections 1418 (Reset of Hybrid Adjustable Rate Mortgages), 1420 (Periodic MortgageLoan Statements) and 1463 (ForcePlaced Insurance Disclosures) of the Dodd-Frank Act. The CFPB has determined that model forms and disclosures are required for these rules.

The CFPB will collect data, includingthrough one-on-one cognitive thinkaloud interviews, to inform its design, development and implementation of the required forms. The CFPB will use an iterative process to improve any drafts to make it easier for a consumer to use the documents and understand the information presented in the documents with respect the consumer’s mortgage loan.

The data collection will include:

• Consent forms that will be used to obtain the consent of participants for the cognitive interview process;

• Participant questionnaires to obtain demographic information about the participants; and • Interview protocols for conducting the interviews.

The core objective of the data collection is to help refine specific features of the content and design of the forms to maximize communication effectiveness while minimizing compliance burden. The CFPB will evaluate one or more draft forms through iterative qualitative testing with consumers, including observation of consumers’ usage of the disclosures, their understanding of the contents, and the choices they make.

The qualitative testing is focused on the purposes of the disclosures. These purposes include, among other things:

• With respect to mortgage loan periodic statements, improving consumer understanding by better disclosing information regarding the consumer’s mortgage loan;

• With respect to disclosures concerning interest rate adjustments for hybrid adjustable rate mortgages, informing consumers of pending interest rate adjustments, enabling a consumer to consider alternative options with respect to the consumer’s mortgage loan, and providing information to a consumer to facilitate pursuing such alternative options; and

• With respect to force-placed insurance disclosures, reminding a consumer of the obligation to maintain hazard insurance on the property securing a mortgage; informing the consumer that the servicer does not have evidence of hazard insurance coverage, informing the consumer of the manner in which the consumer may demonstrate to a mortgage servicer that the consumer has obtained hazard insurance coverage, and informing the consumer that if the consumer fails to obtain hazard insurance coverage, the lender may obtain such coverage at the consumer’s expense.

The CFPB plans to test at three sites in three rounds to allow for improvement to the forms between rounds. Below is an estimate of the aggregate burden hours for the three rounds of testing.

Process Number of respondents Average burden per response (in minutes) Total burden hours

Cognitive Think-Aloud Interviews ............................................................................................... . 36 60 36


### 77767 Federal Register / Vol. 76, No. 240 / Wednesday, December 14, 2011 / Notices

Process Number of respondents Average burden per response (in minutes) Total burden hours

Screening ...................................................................................................................... ............... 360 6 36 Travel time to sites ........................................................................................................... ........... 36 60 36

Total ...................................................................................................................................... ........................ ........................ 108

Request for Comments: 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 will have practical utility; (b) the accuracy of the agency’s estimate of the burden of the proposed collection of information, 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 collection of information on respondents, including through the use of automated, electronic, mechanical, or other technological collection techniques or other forms of information technology. All comments will become a matter of public record.

Agency Contact: Mitchell E. Hochberg or Jane Gao, Office of Regulations, Bureau of Consumer Financial Protection, 1700 G Street NW., Washington, DC 20006; (202) 435–7700.

OMB Reviewer: Shagufta Ahmed, Office of Management and Budget, New Executive Office Building, Room 10235, Washington, DC 20503; (202) 395–7873.

Dated: December 9, 2011. Robert Dahl, PRA Clearance Officer, Department of the Treasury.
[FR Doc. 2011–32080 Filed 12–13–11; 8:45 am]

**BILLING CODE 4810–AM–P**

**DEPARTMENT OF AGRICULTURE**

**Submission for OMB Review; Comment Request** 

December 8, 2011.

The Department of Agriculture has submitted the following information collection requirement(s) to OMB for review and clearance under the Paperwork Reduction Act of 1995, Public Law 104–13. Comments regarding (a) whether the collection of information is necessary for the proper performance of the functions of the agency, including whether the information will have practical utility; (b) the accuracy of the agency’s estimate of burden including the validity of the methodology and assumptions used; (c) ways to enhance the quality, utility and clarity of the information to be collected; (d) ways to minimize the burden of the collection of information on those who are to respond, including through the use of appropriate automated, electronic, mechanical, or other technological collection techniques or other forms of information technology should be addressed to: Desk Officer for Agriculture, Office of Information and Regulatory Affairs, Office of Management and Budget (OMB), OIRA

_Submission@OMB.EOP.GOV or fax (202) 395–5806 and to Departmental Clearance Office, USDA, OCIO, Mail Stop 7602, Washington, DC 20250– 7602. Comments regarding these information collections are best assured of having their full effect if received within 30 days of this notification. Copies of the submission(s) may be obtained by calling (202) 720–8958.

An agency may not conduct or sponsor a collection of information unless the collection of information displays a currently valid OMB control number and the agency informs potential persons who are to respond to the collection of information that such persons are not required to respond to the collection of information unless it displays a currently valid OMB control number. Animal Plant and Health Inspection Service

Title: Virus-Serum-Toxin Act and Regulations in 9 CFR, Subchapter E, Parts 101–124.

OMB Control Number: 0579–0013. Summary of Collection: The VirusSerum-Toxin Act (37 Stat. 832–833, 21 U.S.C. 151–159) gives the United States Department of Agriculture, the Animal and Plant Health Inspection Service (APHIS) the authority to promulgate regulations designed to prevent the importation, preparation, sale, or shipment of harmful veterinary biological products. A veterinary biological product is defined as all viruses, serums, toxins, and analogous products of natural or synthetic origin. In order to effectively implement the licensing, production, labeling, importation, and other requirements, APHIS employs a number of information gathering tools such as establishment license applications, product license applications, product permit applications, product and test report forms and field study summaries.

Need and Use of the Information: APHIS uses the information collected as a primary basis for the approval or acceptance of issuing licenses or permits to ensure veterinary biological products that are used in the United States are pure, safe, potent, and effective. Also, APHIS uses the information to monitor the serials for purity, safety, potency and efficacy that are produced by licensed manufacturers prior to their release for marketing. Failing to collect this information would severely cripple APHIS’ ability to prevent harmful veterinary biologics from being distributed in the United States.

Description of Respondents: Business or other for profit; State, Local or Tribal Government.

Number of Respondents: 202. Frequency of Responses: Recordkeeping; Reporting: On occasion.

Total Burden Hours: 74,386. Animal and Plant Health Inspection Service

Title: Scrapie in Sheep and Goats; Interstate Movement Restrictions and Indemnity Program.

OMB Control Number: 0579–0101. Summary of Collection: Under the Farm Security and Rural Investment Act of 2002, Public Law 107–71, subtitle E, Animal Health Protection, Section 10401–10418, the Secretary of Agriculture, in order to protect the agriculture, environment, economy, and health and welfare of the people of the United States by preventing, detecting, controlling, and eradicating diseases and pests of animal, is authorized to cooperate with foreign countries, States, and other jurisdictions, or other person, to prevent and eliminate burdens on interstate commerce and foreign commerce, and to regulate effectively interstate commerce and foreign commerce. Scrapie is a progressive, degenerative and eventually fatal disease affecting the central nervous system of sheep and goats. Its control is complicated because the disease has an extremely long incubation period