Federal Register / Vol. 83, No. 157 / Tuesday, August 14, 2018 / Notices 40289 

Reduction Act of 1995, invites the 

general public and other Federal 

agencies to take this opportunity to 

comment on the renewal of the existing 

information collection described below 

(3064–0134). On May 24, 2018, the FDIC 

requested comment for 60 days on a 

proposal to renew the information 

collection described below. No 

comments were received. The FDIC 

hereby gives notice of its plan to submit 

to OMB a request to approve the 

renewal of this collection, and again 

invites comment on this renewal. 

DATES: Comments must be submitted on 

or before September 13, 2018. 

ADDRESSES: Interested parties are 

invited to submit written comments to 

the FDIC by any of the following 

methods: 

• Agency Website: https://

www.FDIC.gov/regulations/laws/federal. 

• Email: comments@fdic.gov. Include 

the name and number of the collection 

in the subject line of the message. 

• Mail: Jennifer Jones (202–898– 

6768), Counsel, MB–3105, Federal 

Deposit Insurance Corporation, 550 17th 

Street NW, Washington, DC 20429. 

• Hand Delivery: Comments may be 

hand-delivered to the guard station at 

the rear of the 17th Street Building 

(located on F Street), on business days 

between 7:00 a.m. and 5:00 p.m. 

All comments should refer to the 

relevant OMB control number. A copy 

of the comments may also be submitted 

to the OMB desk officer for the FDIC: 

Office of Information and Regulatory 

Affairs, Office of Management and 

Budget, New Executive Office Building, 

Washington, DC 20503. 

FOR FURTHER INFORMATION CONTACT: 

Jennifer Jones, Counsel, 202–898–6768, 

jennjones@fdic.gov, MB–3105, Federal 

Deposit Insurance Corporation, 550 17th 

Street NW, Washington, DC 20429. 

SUPPLEMENTARY INFORMATION: On May 

24, 2018, the FDIC requested comment 

for 60 days on a proposal to renew the 

information collection described below. 

No comments were received. The FDIC 

hereby gives notice of its plan to submit 

to OMB a request to approve the 

renewal of this collection, and again 

invites comment on this renewal. 

Proposal to renew the following 

currently approved collection of 

information: 

1. Title: Customer Assistance Forms. 

OMB Number: 3064–0134. 

Form Number: FDIC 6422/04— 

Customer Assistance Form; FDIC 6422/ 

11—Business Assistance Form; FDIC 

6422/15—FDIC Deposit Insurance Form. 

Affected Public: Individuals, 

Households, Business or Financial 

Institutions. 

Burden Estimate: 

SUMMARY OF ANNUAL BURDEN

Type of 

burden 

Obligation 

to respond 

Estimated 

number of 

respondents 

Estimated 

frequency of 

responses 

Estimated 

time per 

response 

Frequency of 

response 

Total annual 

estimated 

burden 

(hours) 

Customer Assistance 

Form (6422/04).

Reporting ....... Voluntary ........ 7,000 1 0.25 On Occasion .. 1,750 

Business Assistance 

Form (6422/11).

Reporting ....... Voluntary ........ 200 1 0.25 On Occasion .. 50 

FDIC Deposit Insurance Form (6422/15).Reporting ....... Voluntary ........ 1,000 1 0.25 On Occasion .. 250 

Total Hourly Burden......................... ........................ ........................ ........................ ........................ ........................ 2,050 

General Description of Collection: 

This collection facilitates the collection 

of information from customers of 

financial institutions that have inquiries 

or complaints about service. Customers 

or businesses may document their 

complaints or inquiries to the FDIC 

using a letter or optional forms (Form 

6422/04; Form 6422/11; Form 6422/15). 

The Forms are used to facilitate online 

completion and submission of the 

complaints or inquiries and to shorten 

FDIC response times by making it easier 

to identify the nature of the complaint 

and to route the customer or business 

inquiry to the appropriate FDIC contact. 

There is no change in the method or 

substance of the collection. The overall 

reduction in burden hours is the result 

of economic fluctuation. In particular, 

the number of respondents has 

decreased while the hours per response 

and frequency of responses have 

remained the same. 

Request for Comment: Comments are 

invited on: (a) Whether the collection of 

information is necessary for the proper 

performance of the FDIC’s functions, 

including whether the information has 

practical utility; (b) the accuracy of the 

estimates of the burden of the 

information collection, 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 collection techniques or 

other forms of information technology. 

All comments will become a matter of 

public record. 

Dated at Washington, DC, on August 9, 

2018. 

Robert E. Feldman, 

Executive Secretary, Federal Deposit 

Insurance Corporation. 

[FR Doc. 2018–17402 Filed 8–13–18; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

Agency Information Collection 

Activities: Submission for OMB 

Review; Comment Request (OMB No. 

3064–0195) 

AGENCY: Federal Deposit Insurance 

Corporation (FDIC). 

ACTION: Notice and request for comment. 

SUMMARY: The FDIC, 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 the renewal of an existing 

information collection, as required by 

the Paperwork Reduction Act of 1995. 

The FDIC published a notice of its 

intent to renew the information 

collection described below in the 

Federal Register and requested 

comment for 60 days. FDIC received one 

comment which is fully discussed in the 

Supplementary Information section 


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40290 Federal Register / Vol. 83, No. 157 / Tuesday, August 14, 2018 / Notices 

below. No other comments were 

received. The FDIC hereby gives notice 

of its plan to submit to OMB a request 

to approve the renewal of this 

information collection, and again invites 

comment on the renewal. 

DATES: Comments must be submitted on 

or before September 13, 2018. 

ADDRESSES: Interested parties are 

invited to submit written comments to 

the FDIC by any of the following 

methods: 

• Agency website: https://

www.FDIC.gov/regulations/laws/federal. 

• Email: comments@fdic.gov. Include 

the name and number of the collection 

in the subject line of the message. 

• Mail: Manny Cabeza, Counsel, 

Room MB–3007, Federal Deposit 

Insurance Corporation, 550 17th Street 

NW, Washington, DC 20429. 

• Hand Delivery: Comments may be 

hand-delivered to the guard station at 

the rear of the 17th Street Building 

(located on F Street), on business days 

between 7:00 a.m. and 5:00 p.m. 

All comments should refer to the 

relevant OMB control number. A copy 

of the comments may also be submitted 

to the OMB desk officer for the FDIC: 

Office of Information and Regulatory 

Affairs, Office of Management and 

Budget, New Executive Office Building, 

Washington, DC 20503. 

FOR FURTHER INFORMATION CONTACT: 

Manny Cabeza, Counsel, 202–898–3767, 

mcabeza@FDIC.gov, MB–3007, Federal 

Deposit Insurance Corporation, 550 17th 

Street NW, Washington, DC 20429. 

SUPPLEMENTARY INFORMATION: 

Proposal to renew the following 

currently approved collection of 

information: 

1. Title: Minimum requirements for 

appraisal management companies. 

OMB Number: 3064–0195. 

Form Number: None. 

Affected Public: Participating States 

and Appraisal Management Companies 

that are subsidiaries owned and 

controlled by insured depository 

institutions. 

Burden Estimate: 

SUMMARY OF ANNUAL BURDEN

Type of 

burden 

Estimated 

number of 

respondents 

Estimated 

number of 

responses 

Estimated 

time per 

response 

(hours) 

Frequency 

of response 

Total annual 

estimated 

burden hours 

FDIC, FRB 

and 

OCC share 

(hours) 

FHFA share 

(hours) 

IC #1—AMC Written 

Notice of Appraiser 

Removal from Network or Panel 

(323.10).

Record Keeping 9,881 1 0,08 On Occasion ... 790 237 79. 

IC #2—State Recordkeeping Requirements (323.11(a) & 

(b).

Record Keeping 5 1 40 On Occasion ... 200 50 50. 

IC #3—AMC Reporting Requirements 

(State and Federal 

AMCs)(323.12 & 

13(c)).

Reporting ........... 200 2 1 On Occasion ... 400 120 40. 

IC #4—State Reporting Requirements to 

the Appraisal Sub 

Committee (323.14).

Reporting ........... 55 1 1 On Occasion ... 55 14 14. 

Total Estimated 

Annual Burden.

........................... ........................ ........................ ........................ ......................... 1,445 421 183 

General Description of Collection: The 

FDIC, the Office of the Comptroller of 

the Currency (OCC), The Board of 

Governors of the Federal Reserve 

System (FRB) and the Federal Home 

Finance Agency (FHFA) (collectively, 

the Agencies) issued regulations to 

implement the requirements of section 

1473 of the Dodd-Frank Wall Street 

Reform and Consumer Protection Act to 

be applied by States in the registration 

and supervision of appraisal 

management companies (AMCs). The 

regulations also implement the 

requirement in section 1473 of the 

Dodd-Frank Act for States to report to 

the Appraisal Subcommittee (ASC) of 

the Federal Financial Institutions 

Examination Council (FFIEC) the 

information required by the Appraisal 

Subcommittee (ASC) to administer the 

new national registry of appraisal 

management companies (AMC National 

Registry or Registry). The FDIC’s 

regulation is found at 12 CFR part 323 

(the Regulation) and contains the 

following PRA recordkeeping and 

reporting requirements: 

AMC Recordkeeping Requirements 

(IC #1). Section 323.10 of the Regulation 

provides that an appraiser in an AMC’s 

network or panel is deemed to remain 

on the network or panel until: (i) The 

AMC sends a written notice to the 

appraiser removing the appraiser with 

an explanation; or (ii) receives a written 

notice from the appraiser asking to be 

removed or a notice of the death or 

incapacity of the appraiser. The AMC 

would retain these notices in its files. 

State Recordkeeping Requirements (IC 

#2). States seeking to register AMCs 

must have an AMC registration and 

supervision program. Section 323.11(a) 

of the Regulation requires each 

participating State to establish and 

maintain within its appraiser certifying 

and licensing agency a registration and 

supervision program with the legal 

authority and mechanisms to: (i) Review 

and approve or deny an application for 

initial registration; (ii) periodically 

review and renew, or deny renewal of, 

an AMC’s registration; (iii) examine an 

AMC’s books and records and require 

the submission of reports, information, 

and documents; (iv) verify an AMC’s 

panel members’ certifications or 

licenses; (v) investigate and assess 

potential violations of laws, regulations, 

or orders; (vi) discipline, suspend, 

terminate, or deny registration renewals 

of, AMCs that violate laws, regulations, 

or orders; and (vii) report violations of 

appraisal-related laws, regulations, or 

orders, and disciplinary and 

enforcement actions to the ASC. 

Section 323.11(b) requires each 

participating State to impose 

requirements on AMCs not regulated by 

a Federal financial institutions 

regulatory agency nor owned and 


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Federal Register / Vol. 83, No. 157 / Tuesday, August 14, 2018 / Notices 40291 

1The ‘‘per notice’’ burden estimate of 0.08 hours 

is unchanged from the estimate provided for the 

currently-approved ICR. The subject matter experts 

at the FDIC do not believe this estimate needs to 

be updated for this renewal. 

2Appraisal Institute ‘‘Enacted State AMC Laws,’’ 

https://www.appraisalinstitute.org/advocacy/ 

enacted-state-amc-laws1/. 

3The assumption to divide the burden hours 

between the agencies is based on a burden-sharing 

agreement among the FDIC, FRB, OCC, and FHFA. 

The burden hours are shared in the same ratio as 

the 2015 ICR. 

4 Id. 

5The FDIC anticipates more definitive 

information will become available when AMC 

registration requirements become effective on 

August 10, 2018. 

6The number of states includes all U.S. states, 

territories, and districts, to include the 

Commonwealth of the Northern Mariana Islands, 

the District of Columbia, Guam, Puerto Rico, and 

the U.S. Virgin Islands. 

7Appraisal Institute ‘‘Enacted State AMC Laws,’’ 

https://www.appraisalinstitute.org/advocacy/ 

enacted-state-amc-laws1/ (accessed February 27, 

2018). 

8The CFPB conducted a survey of 9 AMCs in 

2013 regarding the provisions in the rule and the 

related PRA burden. 

controlled by an insured depository 

institution to: (i) Register with and be 

subject to supervision by a State 

appraiser certifying and licensing 

agency in each State in which the AMC 

operates; (ii) use only State-certified or 

State-licensed appraisers for Federallyregulated transactions in conformity 

with any Federally-regulated transaction 

regulations; (iii) establish and comply 

with processes and controls reasonably 

designed to ensure that the AMC, in 

engaging an appraiser, selects an 

appraiser who is independent of the 

transaction and who has the requisite 

education, expertise, and experience 

necessary to competently complete the 

appraisal assignment for the particular 

market and property type; (iv) direct the 

appraiser to perform the assignment in 

accordance with the Uniform Standards 

of Professional Appraisal Practice; and 

(v) establish and comply with processes 

and controls reasonably designed to 

ensure that the AMC conducts its 

appraisal management services in 

accordance with section 129E(a)-(i) of 

the Truth-in-Lending Act. 

AMC Reporting Requirements (IC #3). 

Section 323.13(c) requires that a 

Federally-regulated AMC report to the 

State or States in which it operates the 

information required to be submitted by 

the State pursuant to the ASC’s policies, 

including: (i) Information regarding the 

determination of the AMC National 

Registry fee; and (ii) the information 

listed in section 323.12 of the 

Regulation. Section 323.12 provides that 

an AMC may not be registered by a State 

or included on the AMC National 

Registry if such company is owned, 

directly or indirectly, by any person 

who has had an appraiser license or 

certificate refused, denied, cancelled, 

surrendered in lieu of revocation, or 

revoked in any State. Each person that 

owns more than 10 percent of an AMC 

is required to submit to a background 

investigation carried out by the State 

appraiser certifying and licensing 

agency. While section 323.12 does not 

authorize States to conduct background 

investigations of Federally-regulated 

AMCs, it would allow a State to do so 

if the Federally-regulated AMC chooses 

to register voluntarily with the State. 

State Reporting Requirements (IC #4). 

Section 323.14 requires that each State 

electing to register AMCs for purposes 

of permitting AMCs to provide appraisal 

management services relating to covered 

transactions in the State must submit to 

the ASC the information concerning 

such AMCs required to be submitted 

under the Regulation and any additional 

information required by the ASC. 

Burden Estimate Methodology and 

Assumptions: 

There is no change in the 

methodology or substance of this 

information collection. For the 

information collections described above, 

the general methodology is to compute 

the industry wide burden hours for 

States and appraisal management 

companies (AMCs) and then assign a 

share of the burden hours to each of the 

regulatory agencies for each information 

collection. The Agencies are revising 

their burden estimates based on the 

following assumptions: 

IC #1: AMC Written Notice of 

Appraiser Removal from Network or 

Panel. The burden for written notices of 

appraiser removal from a network or 

panel is estimated to be equal to the 

number of appraisers who leave the 

profession per year multiplied by the 

estimated percentage of appraisers who 

work for AMCs, then multiplied by 

burden hours per notice. The number of 

appraisers who leave is calculated by 

adding the number of appraisers who 

are laid off or resign to the number of 

appraisers that have had their licenses 

revoked or surrendered. The total 

burden hours are then split between the 

Federal Reserve Board (FRB), the Office 

of the Comptroller of the Currency 

(OCC), the Federal Deposit Insurance 

Corporation (FDIC), and the Federal 

Housing Finance Agency (FHFA) in a 

ratio of 3:3:3:1 in accordance with the 

burden sharing agreement among the 

Agencies. 

Finally, the burden hours are 

calculated by multiplying the estimated 

number of written notices of appraiser 

removal (9,881) by the estimated burden 

per notice (0.08 hours) for a total of 790 

burden hours.1 As previously 

mentioned, the total burden hours are 

then split between the FDIC, FRB, OCC, 

and the FHFA such that the FHFA is 

responsible for 79 hours and the other 

three agencies are responsible for 237 

hours each. 

IC #2: Develop and Maintain a State 

Licensing Program. The burden on the 

States for developing and maintaining 

an AMC licensing program is calculated 

by multiplying the number of states 

without a registration and licensing 

program by the hour burden to develop 

the system. The total burden hours are 

then equally divided among the FDIC, 

FRB, OCC, and FHFA. According to the 

Appraisal Institute as of July 26, 2017, 

there are 5 states that have not 

developed a system to register and 

oversee AMCs.2 The 2015 ICR estimate 

of the hour burden per state without a 

registration system was 40 hours. The 

FDIC does not believe this estimate 

needs to be updated for this renewal. 

Therefore, the total hour burden is 200 

hours: 5 states × 40 hours/state = 200 

hours. Finally, the total hour burden is 

divided among the four agencies such 

that each agency is responsible for 50 

burden hours.3

IC #3: AMC Reporting Requirements 

(State and Federal AMCs). The burden 

for AMC reporting requirements is 

calculated by multiplying the number of 

AMCs by the frequency of response then 

by the burden per response. The burden 

hours are then divided between the 

FDIC, FRB, OCC, and FHFA at a ratio of 

3:3:3:1.4 FDIC estimates there are 

approximately 400 entities that provide 

appraisal management services as 

defined by section 323.9(d). Of these 

400 entities, FDIC estimates 

approximately 200 entities meet the 

definition of an AMC as defined by 

section 323.9(c).5

The frequency of response is 

estimated as the number of states that 

do not have an AMC registration 

program in which the average AMC 

operates.6 According to the Appraisal 

Institute, Five (5) states do not have 

AMC registration or oversight 

programs.7 According to the Consumer 

Financial Protection Bureau (CFPB), the 

average AMC operates in 19.56 states.8

Therefore, the average AMC operates in 

approximately 2 states that do not have 

AMC registration systems: (5 states / 55 

states) × 19.56 states = 1.778 states ∼ 2 

states. Therefore the total hour burden 

for IC #3 is 400 hours: 200 AMCs × 2 

states (frequency) × 1 hour = 400 hours. 

The burden hours are then divided such 

that the FDIC, FRB, and OCC are each 

responsible for 120 burden hours and 


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40292 Federal Register / Vol. 83, No. 157 / Tuesday, August 14, 2018 / Notices 

9See footnote 9. 

10The number of states includes all U.S. states, 

territories, and districts, to include the 

Commonwealth of the Northern Mariana Islands, 

the District of Columbia, Guam, Puerto Rico, and 

the U.S. Virgin Islands. The burden estimate of one 

hour per report is unchanged from the estimate 

provided for the currently-approved ICR. The 

subject matter experts at the FDIC do not believe 

this estimate needs to be updated for this renewal. 

11See footnote 9. 

12See 12 U.S.C. 3353(a) (setting minimum 

requirements for registration regulation in 

participating states); id. section 3353(d) (setting 

registration limitations for AMCs); and id. section 

3353(e) (requiring reporting of information by 

AMCs to the ASC). 

the FHFA is responsible for 40 burden 

hours.9

IC #4: State Reporting Requirements 

to the Appraisal Subcommittee. The 

burden hours for State reporting to the 

ASC are estimated by multiplying the 

number of states by the hour burden per 

state.10 Then the burden hours are 

divided equally among the FDIC, FRB, 

OCC, and the FHFA. The total burden 

hour for state reporting is 50 hours: 55 

states × 1 hour/state = 55 hours. This is 

then equally divided across the 4 

agencies for 14 burden hours each, with 

rounding.11

Comments Received: 

The FDIC received one comment 

letter from an appraisal management 

company trade association. 

In response to the request for 

comment on whether this collection of 

information is necessary for the proper 

performance of the functions of the 

FDIC, including whether the 

information has practical utility, the 

commenter agreed that this collection of 

information is necessary and has 

practical utility but ‘‘only to the extent 

that the information collected serves the 

proper purpose to promote appraiser 

independence while ensuring a healthy 

real estate valuation market.’’ This 

suggests that the commenter believes 

that the ‘‘proper purpose’’ of the 

collection is limited to the promotion to 

appraiser independence. In response to 

this comment, the FDIC notes that the 

purpose of the AMC rule and the 

collection is to implement all required 

elements of the statute, not only 

provisions that relate to appraiser 

independence.12 The Agencies were 

required to adopt regulations to 

implement all the statutory 

requirements and this collection of 

information is a necessary and useful 

component of such implementation. 

In response to the request for 

comment on the accuracy of FDIC’s 

estimate of the information collection 

burden, the commenter opines that the 

FDIC’s estimate of the number of 

entities that meet the definition of an 

AMC under IC #3: (Reporting 

Requirements for State and Federal 

AMCs) is too low. The commenter did 

not offer an estimate of what the number 

should be and appears to agree that, as 

stated in footnote 5, the actual number 

of affected AMCs will be known once 

the AMC National Registry is fully 

operational. 

The commenter indicates that its 

members believe that the estimate of the 

annual burden to comply is also too 

low. The commenter recommends that 

the estimate be increased to twice the 

current estimate. The commenter notes 

that each state differs in complexity of 

their demands for the collection of 

information and not all are on the same 

renewal schedule. Some renew annually 

and some biennially, which have 

varying burdens for preparation and 

validation. The burden estimates for this 

collection have historically been 

prepared on an industry-wide basis and 

then allotted to each agency. The FDIC 

prepared the industry-wide estimates 

for this renewal. We invite commenters 

to review the analysis, which is 

included in our supporting statement, 

and comment during the 30-day 

comment period. 

In response to the request for 

comment on ways to enhance the 

quality, utility, and clarity of the 

information to be collected, the 

commenter suggested that the ASC 

should issue additional guidance to 

states and AMCs concerning the AMC 

minimum requirements. The goal of 

such guidance would be to ‘‘provide 

consistency in the implementation of 

the regulations and information 

required.’’ 

The commenter also expressed 

concern that wide variation of AMC 

requirements from state to state may 

have material unintended consequences 

on lending activity in a particular 

jurisdiction. The commenter’s 

suggestions do not relate to the 

information collection. In addition, 

while Title XI and the AMC rule set 

minimum standards for the registration 

and supervision of AMCs by states, Title 

XI and the AMC rule expressly provide 

that a state may adopt requirements in 

addition to those contained in the AMC 

regulation. 12 U.S.C. 3353(b); 12 CFR 

34.210(d). The FDIC will, however, refer 

these suggestions to the ASC for 

consideration. 

In response to the request for 

comments on ways to minimize the 

burden of the collection on respondents, 

including through the use of automated 

collection techniques or other forms of 

information technology, the commenter 

recommends that the ASC find 

opportunities to develop reporting 

efficiencies in the licensing system, 

which could include partnering with 

the Nationwide Multistate Licensing 

System (NMLS) or investing in a new 

process. Furthermore, the commenter 

believes the ASC should be more 

aggressive in supporting modernization 

of the outdated National Appraiser 

Registry (which AMCs must use to 

comply with the minimum 

requirements). FDIC notes that the 

commenter’s suggestions do not relate to 

the information collection. The FDIC 

will, however, refer these suggestions to 

the ASC for consideration. 

Request for Comment: Comments are 

invited on: (a) Whether the collection of 

information is necessary for the proper 

performance of the FDIC’s functions, 

including whether the information has 

practical utility; (b) the accuracy of the 

estimates of the burden of the 

information collection, 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 collection techniques or 

other forms of information technology. 

All comments will become a matter of 

public record. 

Dated at Washington, DC, on August 8, 

2018. 

Federal Deposit Insurance Corporation. 

Robert E. Feldman, 

Executive Secretary. 

[FR Doc. 2018–17377 Filed 8–13–18; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL RESERVE SYSTEM 

Change in Bank Control Notices; 

Acquisitions of Shares of a Bank or 

Bank Holding Company 

The notificants listed below have 

applied under the Change in Bank 

Control Act (12 U.S.C. 1817(j)) and 

§ 225.41 of the Board’s Regulation Y (12 

CFR 225.41) to acquire shares of a bank 

or bank holding company. The factors 

that are considered in acting on the 

notices are set forth in paragraph 7 of 

the Act (12 U.S.C. 1817(j)(7)). 

The notices are available for 

immediate inspection at the Federal 

Reserve Bank indicated. The notices 

also will be available for inspection at 

the offices of the Board of Governors. 

Interested persons may express their 

views in writing to the Reserve Bank 

indicated for that notice or to the offices 

of the Board of Governors. Comments 

must be received not later than August 

29, 2018. 


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