Federal Register / Vol. 77, No. 80 / Wednesday, April 25, 2012 / Notices 24687 

1 77 FR 12031. 

2Letter to Monica Jackson (Mar. 30, 2012), signed 

by Richard M. Whiting, Executive Director & 

General Counsel of the Financial Services 

Roundtable; letter to David Silberman (Apr. 10, 

2012), signed by Richard R. Riese, Senior Vice 

President, Center for Regulatory Compliance, 

American Bankers Association. 

A five-year permit has been issued to 

the SWFSC to continue long-term 

monitoring of the status of leatherback 

sea turtles off the coasts of California, 

Oregon, and Washington. The purpose 

of the work is to identify critical forage 

habitats, genetic stock structure, 

migratory corridors, and potential 

fishery impacts for leatherbacks. Sea 

turtles would be located by aerial 

surveys and approached by vessel for 

remote tissue sampling and transmitter 

attachment. A subset of animals would 

be captured by breakaway hoopnet for 

additional observation, sampling, 

marking and/or tagging procedures 

before release. 

Issuance of this permit, as required by 

the ESA, was based on a finding that 

such permit (1) Was applied for in good 

faith, (2) will not operate to the 

disadvantage of such endangered or 

threatened species, and (3) is consistent 

with the purposes and policies set forth 

in section 2 of the ESA. 

Dated: April 20, 2012. 

Tammy C. Adams, 

Acting Chief, Permits and Conservation 

Division, Office of Protected Resources, 

National Marine Fisheries Service. 

[FR Doc. 2012–9962 Filed 4–24–12; 8:45 am] 

BILLING CODE 3510–22–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

[Docket No. CFPB–2012–0007] 

Impact of Overdraft Programs on 

Consumers 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for 

information; extension of comment 

period. 

SUMMARY: On February 28, 2012, the 

Bureau of Consumer Financial 

Protection (the Bureau) published in the 

Federal Register a notice and request for 

information regarding the impacts of 

overdraft programs on consumers (the 

Overdraft Notice). The Overdraft Notice 

allowed a 60-day comment period, 

closing on April 30, 2012. To allow 

parties more time to consider and craft 

their responses, the Bureau has 

determined that an extension of the 

comment period until June 29, 2012, is 

appropriate. 

DATES: The comment period for the 

Overdraft Notice published February 28, 

2012, at 77 FR 12031, is extended. 

Responses must now be received on or 

before June 29, 2012. 

ADDRESSES: You may submit comments 

by any of the following methods: 

• http://www.regulations.gov. Follow 

the instructions for submitting 

comments. 

• Email: 

cfpb_overdraft_comments@cfpb.gov. 

• Mail/Hand Delivery/Courier: 

Monica Jackson, Office of the Executive 

Secretary, Bureau of Consumer 

Financial Protection, 1700 G Street NW., 

Washington, DC 20552. 

Instructions: Please submit your 

comments or responses using only one 

method. The Bureau encourages the 

early submission of comments. All 

submissions must include the document 

title and docket number. Please note the 

number of any question to which you 

are responding at the top of each 

response (respondents need not answer 

each question). 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, submission process 

questions, or any additional 

information, please contact Monica 

Jackson, Office of the Executive 

Secretary, 202–435–7275. 

SUPPLEMENTARY INFORMATION: On 

February 28, 2012, the Bureau 

published the Overdraft Notice in the 

Federal Register.1 The Overdraft Notice 

requested information from the public 

regarding overdraft programs and their 

costs, benefits, and risks to consumers. 

The Overdraft Notice posed several 

questions to understand: 

• Lower cost alternatives to overdraft 

protection programs; 

• Consumer alerts and information 

provided regarding balances and 

overdraft triggers; 

• Impacts of changes to Regulation 

DD, Regulation E, and Overdraft opt-in 

rates; 

• Impacts of changes in financial 

institutions’ operating policies; 

• The economics of overdraft 

programs; and 

• Long-term impacts on Consumers. 

The comment period for the Overdraft 

Notice was to close on April 30, 2012. 

The Bureau received written requests 

from two industry trade groups for an 

extension of the Overdraft Notice 

comment period.2 The request letters 

indicated more time would enable a 

higher quality response and yield 

greater insight to the Bureau. The letters 

also pointed out that the Bureau’s study 

of overdrafts is not governed by a 

statutory deadline. 

The Bureau believes that it is 

important to allow interested persons 

more time to consider the issues raised 

in the Overdraft Notice and prepare 

their responses. Accordingly, the 

Bureau is extending the period allotted 

for comments received pursuant to the 

Overdraft Notice. The comment period 

will now close on June 29, 2012. 

Dated: April 18, 2012. 

Richard Cordray, 

Director, Bureau of Consumer Financial 

Protection. 

[FR Doc. 2012–9851 Filed 4–24–12; 8:45 am] 

BILLING CODE 4810–AM–P 

COORDINATING COUNCIL ON 

JUVENILE JUSTICE AND 

DELINQUENCY PREVENTION 

[OJP (OJJDP) Docket No. 1587] 

Meeting of the Coordinating Council 

on Juvenile Justice and Delinquency 

Prevention 

AGENCY: Coordinating Council on 

Juvenile Justice and Delinquency 

Prevention. 

ACTION: Notice of meeting. 

SUMMARY: The Coordinating Council on 

Juvenile Justice and Delinquency 

Prevention (Council) announces its next 

meeting. 

DATES: Friday, May 11, 2012 from 10 

a.m. to 12:15 p.m. 

ADDRESSES: The meeting will take place 

in the third floor main conference room 

at the U.S. Department of Justice, Office 

of Justice Programs, 810 7th St. NW., 

Washington, DC 20531. 

FOR FURTHER INFORMATION CONTACT: Visit 

the Web site for the Coordinating 

Council at www.juvenilecouncil.gov or 

contact Robin Delany-Shabazz, 

Designated Federal Official, by 

telephone at 202–307–9963 [Note: this 

is not a toll-free telephone number], or 


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