Document Headings

                    Document headings vary by document type but may contain                    the following:                  
                -                       the agency or agencies that issued and signed a document                    
                -                       the number of the CFR title and the number of each part                      the document amends, proposes to amend, or is directly                      related to                    
                -                       the agency docket number / agency internal file number                    
                -                       the RIN which identifies each regulatory action listed in                      the Unified Agenda of Federal Regulatory and Deregulatory                      Actions                    

                    See the                                          Document Drafting Handbook                                        for more details.                  

###### Bureau of Consumer Financial Protection

          - [Docket No. CFPB-2018-0030]

# AGENCY:

Bureau of Consumer Financial Protection.

# ACTION:

Notice and request for comment.

# SUMMARY:

In accordance with the Paperwork Reduction Act of 1995 (PRA), the Bureau of Consumer Financial Protection (Bureau) is requesting to renew the Office of Management and Budget (OMB) approval for an existing information collection titled, “Consumer Leasing Act (Regulation M) 12 CFR 1013.”

# DATES:

Written comments are encouraged and must be received on or before November 5, 2018 to be assured of consideration.

# ADDRESSES:

You may submit comments, identified by the title of the information collection, OMB Control Number (see below), and docket number (see above), by any of the following methods:
      -  Electronic:                          Go to                          http://www.regulations.gov.                          Follow the instructions for submitting comments.                    
      -  Email: FederalRegisterComments@cfpb.gov.                          Include Docket No. CFPB-2018-0030 in the subject line of the message.                    
      -  Mail:                          Comment intake, Bureau of Consumer Financial Protection (Attention: PRA Office), 1700 G Street NW, Washington, DC 20552.                    
      -  Hand Delivery/Courier:                          Comment intake, Bureau of Consumer Financial Protection (Attention: PRA Office), 1700 G Street NW, Washington, DC 20552.                    

*Please note that comments submitted after the comment period will not be accepted.*                         In general, all comments received will become public records, including any personal information provided. Sensitive personal information, such as account numbers or Social Security numbers, should not be included.                    

# FOR FURTHER INFORMATION CONTACT:

                        Documentation prepared in support of this information collection request is available at                         *www.regulations.gov.*                         Requests for additional information should be directed to the Bureau of Consumer Financial Protection, (Attention: PRA Office), 1700 G Street NW, Washington, DC 20552, (202) 435-9575, or email:                         *CFPB_PRA@cfpb.gov.*                         If you require this document in an alternative electronic format, please contact                         *CFPB_Accessibility@cfpb.gov.*                         Please do not submit comments to these email boxes.                    

# SUPPLEMENTARY INFORMATION:

*Title of Collection:*                     Consumer Leasing Act (Regulation M) 12 CFR 1013.                

*OMB Control Number:*                     3170-0006.                

*Type of Review:*                     Extension without change of an existing Information Collection.                

*Affected Public:*                     Businesses and other for-profit entities.                

*Estimated Number of Respondents:*                     13,718.                

*Estimated Total Annual Burden Hours:*                     2,126.                

*Abstract:*                     Consumers rely on the disclosures required by the Consumer Leasing Act, 15 U.S.C. 1667*et seq.*                     (CLA) and Regulation M, 12 CFR 1013, for information to comparison shop among leases, as well as to ascertain the true costs and terms of lease offers. Federal and State enforcement and private litigants use the records to ascertain whether accurate and complete disclosures of the cost of leases have been provided to consumers prior to consummation of the lease. This information provides the primary evidence of law violations in CLA enforcement actions brought by Federal agencies. Without Regulation M's recordkeeping requirement, the agencies' ability to enforce the CLA would be significantly impaired.                

*Request for Comments:*                     Comments are invited on: (a) Whether the collection of information is necessary for the proper performance of the functions of the Bureau, including whether the information will have practical utility; (b) The accuracy of the Bureau's estimate of the burden of the collection of information, including the validity of the methods 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. 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.                

Dated: August 28, 2018.

Darrin A. King,

Paperwork Reduction Act Officer, Bureau of Consumer Financial Protection.

[FR Doc. 2018-19160 Filed 9-4-18; 8:45 am]

 BILLING CODE 4810-AM-P