35658 Federal Register / Vol. 77, No. 115 / Thursday, June 14, 2012 / Notices 

Pacific Ocean, including waters of 

Alaska, Washington, Oregon, California, 

and Hawaii. Harassment of all species of 

cetaceans will occur through vessel 

approach for sighting surveys, 

photographic identification, behavioral 

research, opportunistic sampling 

(breath, sloughed skin, fecal material, 

and prey remains), acoustic imaging 

with echosounders, and aerial surveys. 

Twenty seven cetacean species and 

unidentified mesoplodon species will 

be biopsied, dart, and/or suction-cup 

tagged. Ultrasound sampling will be 

directed at killer whales including the 

Southern Resident stock. Active 

acoustic playback studies will be 

directed at Southern Resident killer 

whales. Import and export of marine 

mammal prey specimens, skin and 

blubber, sloughed skin, fecal and breath 

samples obtained is authorized. The 

permit is valid until June 6, 2017. 

File No. 16160: Authorizes take of 

eight species of cetaceans in the inland 

waters of Washington State. Harassment 

of all species will occur through close 

vessel approach for photo-identification, 

behavioral observation, and monitoring. 

The permit is valid until June 6, 2017. 

File No. 15569: Authorizes take of 

twenty-two species of marine mammals 

in the coastal eastern North Pacific from 

the southern boundary of California to 

Alaskan waters east of Kodiak Island, 

including all territorial waters up to 200 

nautical miles offshore. Harassment of 

all species of cetaceans will occur 

through vessel approach for 

photographic identification, behavioral 

research, opportunistic sampling (fecal 

material and prey remains), remote 

measuring (aerial and laser techniques), 

and passive acoustic recording. The 

permit is valid until June 6, 2017. 

An environmental assessment (EA) 

was prepared analyzing the effects of 

the permitted activities on the human 

environment in compliance with the 

National Environmental Policy Act of 

1969 (42 U.S.C. 4321 et seq.). Based on 

the analyses in the EA, NMFS 

determined that issuance of the permits 

will not significantly impact the quality 

of the human environment and that 

preparation of an environmental impact 

statement was not required. That 

determination is documented in a 

Finding of No Significant Impact 

(FONSI), signed on June 4, 2012. 

As required by the ESA, issuance of 

these permits was based on a finding 

that such permits: (1) Were applied for 

in good faith; (2) will not operate to the 

disadvantage of such endangered 

species; and (3) are consistent with the 

purposes and policies set forth in 

section 2 of the ESA. 

Documents may be reviewed in the 

following locations: 

Permits and Conservation Division, 

Office of Protected Resources, NMFS, 

1315 East-West Highway, Room 

13705, Silver Spring, MD 20910; 

phone (301) 427–8401; fax (301) 427– 

2521; 

Northwest Region, NMFS, 7600 Sand 

Point Way NE., BIN C15700, Bldg. 1, 

Seattle, WA 98115–0700; phone (206) 

526–6150; fax (206) 526–6426; 

Alaska Region, NMFS, P.O. Box 21668, 

Juneau, AK 99802–1668; phone (907) 

586–7221; fax (907) 586–7249; 

Southwest Region, NMFS, 501 West 

Ocean Blvd., Suite 4200, Long Beach, 

CA 90802–4213; phone (562) 980– 

4001; fax (562) 980–4018; and 

Pacific Islands Region, NMFS, 1601 

Kapiolani Blvd., Rm 1110, Honolulu, 

HI 96814–4700; phone (808) 973– 

2935; fax (808) 973–2941. 

Dated: June 8, 2012. 

P. Michael Payne, 

Chief, Permits and Conservation Division, 

Office of Protected Resources, National 

Marine Fisheries Service. 

[FR Doc. 2012–14587 Filed 6–13–12; 8:45 am] 

BILLING CODE 3510–22–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Proposed Collection; Comment 

Request 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for public 

comment. 

SUMMARY: The Bureau of Consumer 

Financial Protection (the ‘‘CFPB’’ or the 

‘‘Bureau’’), as part of its continuing 

effort to reduce paperwork and 

respondent burden, invites the general 

public and other federal agencies to 

comment on a proposed information 

collection, as required by the Paperwork 

Reduction Act of 1995, Public Law 104– 

13 (44 U.S.C. 3506(c)(2)(A)). Currently, 

the Bureau is soliciting comments 

concerning the information collection 

requirements relating to gather 

information from various depository 

and non-depository providers of 

consumer financial products and 

services (‘‘providers’’) regarding the 

compliance costs and other effects of 

proposed and existing regulations, 

pursuant to the Bureau’s authorities 

under the Dodd-Frank Wall Street 

Reform and Consumer Protection Act 

(‘‘Dodd-Frank Act’’), Public Law 111– 

203. 

DATES: Written comments are 

encouraged and must be received on or 

before August 13, 2012 to be assured of 

consideration. 

ADDRESSES: You may submit comments 

by any of the following methods: 

• Electronic: 

CFPB_Public_PRA@cfpb.gov. 

• Mail/Hand Delivery/Courier: Direct 

all written comments to Consumer 

Financial Protection Bureau (Attention: 

PRA Office), 1700 G Street NW., 

Washington, DC 20552. 

Instructions: Submissions should 

include the agency name and collection 

title. 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 

comments 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. 

You should only submit information 

that you wish to make available 

publicly. 

FOR FURTHER INFORMATION CONTACT: 

Requests for additional information or 

copies of the documents contained 

under this approval number should be 

directed to the Consumer Financial 

Protection Bureau, (Attention: PRA 

Office), 1700 G Street NW., Washington, 

DC 20552, or through the Internet at 

CFPB_Public_PRA@cfpb.gov. 

SUPPLEMENTARY INFORMATION: 

Title: Generic Clearance for Collection 

of Information on Compliance Costs and 

Other Effects of Regulations. 

OMB Control Number: 3170–XXXX. 

Abstract: Under the Dodd-Frank Act, 

the Bureau has the responsibility for 

rulemaking, supervision, and 

enforcement with respect to various 

Federal consumer financial protection 

laws. Among other things, the DoddFrank Act directs the Bureau to 

promulgate rules regulating various 

aspects of consumer financial protection 

and establishing supervisory authority 

over certain non-depository providers of 

consumer financial products and 

services. For many of these directives 

there is a corresponding statutory 

deadline for a proposed or final rule. 

A number of Federal laws require 

agencies to consider the benefits, costs, 

and impacts of rulemaking actions, 

including the Regulatory Flexibility Act 

and the Paperwork Reduction Act. 

Furthermore, Section 1022(b)(2)(A) of 

the Dodd-Frank Act calls for the Bureau 

to consider the potential benefits and 

costs of certain rules to consumers and 

‘‘covered persons,’’ including 

depository and non-depository 

providers of consumer financial 


pmangrum on DSK3VPTVN1PROD with NOTICES
Federal Register / Vol. 77, No. 115 / Thursday, June 14, 2012 / Notices 35659 

products and services (‘‘providers.’’) 

This consideration includes an 

assessment of the impacts of rules on 

consumers in rural areas and on 

depository institutions and credit 

unions with total assets of $10 billion or 

less as described in section 1026 of the 

Dodd-Frank Act. As part of its analysis 

of benefits and costs of certain 

rulemakings, the Bureau will consider, 

among other things, the potential 

ongoing costs for a provider as well as 

the implementation costs the provider 

may incur in order to comply with a 

regulation. 

In order to fulfill the Bureau’s 

rulemaking mandates, the Bureau seeks 

to collect qualitative information from 

industry participants regarding the 

compliance costs and other effects on 

providers and consumers, both as to 

existing regulations in force as well as 

to proposed new regulations. Through 

the collections under this generic 

clearance, the Bureau aims to 

understand the effects of potential 

regulations on providers and 

consumers, the ways in which providers 

may comply with potential regulations, 

and the costs associated with 

compliance. 

The Bureau has already begun to 

review existing regulations through a 

request for public comment on 

streamlining inherited regulations. The 

information gathered on compliance 

costs and other effects through this 

generic information collection will 

further enhance the Bureau’s 

understanding of how existing 

regulations are affecting providers. 

In order to gather the information 

indicated above, the Bureau intends to 

use structured interviews, focus groups, 

conference calls, and written 

questionnaires—delivered via email or 

administered through an online survey. 

The Bureau will seek different 

providers’ estimates of compliance 

burdens on their respective institutions. 

The Bureau recognizes that burdens 

vary depending on the size and type of 

the institution, as well as on the 

products and services offered. 

Therefore, the collections of information 

will seek to sample providers that are 

representative of markets affected by a 

proposed rule, or are already under the 

authority of existing regulations. 

Type of Review: New Generic 

Collection. 

Affected Public: U.S. depository and 

non-depository financial institutions. 

Annual Burden Estimates: Below is a 

preliminary estimate of the aggregate 

burden hours. 

Estimated Number of Respondents: 

1,500 institutions. 

Estimated Time per Respondent: 90 

minutes for questions administered via 

focus groups, structured interviews, and 

conference calls. 60 minutes for 

questions delivered via email or 

administered through online survey. 

Estimated Total Annual Burden 

Hours: 1,950 hours. 

Request for Comments: Comments 

submitted in response to this notice will 

be summarized and/or 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 shall have practical utility; 

(b) the accuracy of the agency’s estimate 

of the burden of the collection of 

information, including the validity of 

the methodology and the 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 collection 

techniques or other forms of information 

technology. 

Dated: June 8, 2012. 

Chris Willey, 

Chief Information Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2012–14592 Filed 6–13–12; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

[Docket No. CFPB–2012–0024] 

Request for Information Regarding 

Complaints From Private Education 

Loan Borrowers 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for 

information. 

SUMMARY: Section 1035 of the DoddFrank Wall Street Reform and Consumer 

Protection Act of 2010 (Dodd-Frank Act) 

established a Private Education Loan 

Ombudsman (Ombudsman) within the 

Consumer Financial Protection Bureau 

(Bureau) to provide timely assistance to 

borrowers of private education loans. 

Among other things, the Dodd-Frank 

Act directs the Ombudsman to ‘‘compile 

and analyze data on borrower 

complaints’’ regarding private education 

loans and make appropriate 

recommendations to the Director of the 

Bureau, the Secretary of the Treasury, 

the Secretary of Education, and 

Congress. In March 2012, the Bureau 

launched the intake of borrower 

complaints on private education loans. 

In order to ‘‘compile and analyze data’’ 

on complaints processed through other 

mechanisms, with this Notice and 

Request for Information, the 

Ombudsman seeks information on 

borrower complaints about private 

education loans. 

DATES: Comments must be received on 

or before August 13, 2012, to be 

considered and analyzed to develop 

recommendations as specified in 

Section 1035(c)(4). 

ADDRESSES: You may submit comments 

by any of the following methods: 

• 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 Bureau encourages 

the early submission of comments. All 

submissions must include the agency 

name and docket number, CFPB–2012– 

0024. 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 calling (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 call Monica 

Jackson at (202) 435–7275. 

SUPPLEMENTARY INFORMATION: Section 

1035 of the Dodd-Frank Act establishes 

a Private Education Loan Ombudsman 

(Ombudsman) within the Consumer 

Financial Protection Bureau (Bureau). 

Section 1035(c)(3) requires the 

Ombudsman to compile and analyze 

data on borrower complaints regarding 

private education loans. Sections 

1035(d) and 1035(c)(4) further require 

the Ombudsman to prepare an annual 

report to Congress and make appropriate 


pmangrum on DSK3VPTVN1PROD with NOTICES