Federal Register / Vol. 79, No. 2 / Friday, January 3, 2014 / Notices 387 

submissions must include the document 

title and docket number. Because paper 

mail in the Washington, DC area and at 

the Bureau is subject to delay, 

commenters are encouraged to submit 

comments electronically. Please note 

the number associated with any 

question to which you are responding at 

the top of each response (you are not 

required to answer all questions to 

receive consideration of your 

comments). 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 submissions, 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. 

Submissions 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 

Executive Secretary, at 202–435–7275. 

Authority: 12 U.S.C. 5511(c). 

SUPPLEMENTARY INFORMATION: Buying a 

home is often a consumer’s single 

largest financial purchase. According to 

the latest numbers from the National 

Association of Realtors, the median 

price of homes purchased in the United 

States is now $207,000. By comparison, 

the median household income is about 

$51,000, according to the Census 

Bureau. It is crucial that consumers 

consider the numbers carefully before 

making this potentially long-term 

commitment, and closing is often their 

last opportunity to do so. 

However, closing can be stressful and 

confusing for consumers. The CFPB 

plans to conduct several initiatives in 

order to test and study various ways in 

which the closing process might be 

improved. This information will help 

inform those initiatives. 

The Bureau encourages comments 

from the public, including: 

• Consumers; 

• Mortgage lenders and loan 

servicers; 

• Housing finance professionals; 

• Brokers and service providers in the 

residential real estate industry; 

• Real estate agents; 

• Housing attorneys; 

• Fair lending, civil rights, and 

consumer and community advocates; 

• Providers of financial and housing 

counseling; 

• Settlement closing agents; and 

• Other interested parties. 

The Bureau is interested in responses 

in the following general areas, as well as 

specific questions below. Please feel free 

to respond to any of the questions 

outlined below. 

Consumers and Closing 

1. What are common problems or 

issues consumers face at closing? What 

parts of the closing process do 

consumers find confusing or 

overwhelming? 

2. Are there specific parts of the 

closing process that borrowers find 

particularly helpful? 

3. What do consumers remember 

about closing as related to the overall 

mortgage/home-buying process? What 

do consumers remember about closing? 

4. How long does the closing process 

usually take? Do borrowers feel that the 

time at the closing table was an 

appropriate amount of time? Is it too 

long? Too short? Just right? 

5. How empowered do consumers 

seem to feel at closing? Did they come 

to closing with questions? Did they 

review the forms beforehand? Did they 

know that they can request their 

documents in advance? Did they 

negotiate? 

6. What, if anything, have you found 

helps consumers understand the terms 

of the loan? 

Errors and Changes at Closing 

7. What are some common errors you 

have seen at closing? How are these 

errors detected, if at all? Tell us about 

errors that were detected after closing. 

8. What changes, diverging from what 

was originally presented at closing, 

often surprise consumers at closing? 

How do consumers react to changes at 

closing? 

Other Parties at Closing 

9. How, if at all, do consumers 

typically seek advice during closing? In 

person? By phone? Online? 

10. Where and to whom do consumers 

turn for advice during closing? Whom 

do they typically trust? 

Closing Documents 

11. What documents do borrowers 

usually remember seeing? What 

documents they remember signing? 

12. What documents do consumers 

find particularly confusing? 

13. What resources do borrowers use 

to define unfamiliar terms of the loan? 

Improving Closing 

14. What, if anything, would you 

change about the closing process to 

make it a better experience for 

consumers? 

15. What questions should consumers 

ask at closing? What are the most 

important pieces of information/

documents for them to review? 

16. What is the single most important 

question a consumer should ask at 

closing? 

17. What is the single most important 

thing a consumer should do before 

coming to the closing table? 

Dated: December 13, 2013. 

Christopher D’Angelo, 

Chief of Staff, Bureau of Consumer Financial 

Protection. 

[FR Doc. 2013–31436 Filed 1–2–14; 8:45 a.m.] 

BILLING CODE 4810–AM–P 

CONSUMER PRODUCT SAFETY 

COMMISSION 

Sunshine Act Meeting 

TIME AND DATE: Wednesday, January 8, 

2014, 10 a.m.–12 p.m. 

PLACE: Hearing Room 420, Bethesda 

Towers, 4330 East West Highway, 

Bethesda, Maryland. 

STATUS: Commission Meeting—Open to 

the Public. 

MATTER TO BE CONSIDERED: Decisional 

Matter: Bedside Sleepers (Section 

104)—Final Rule. 

A live Webcast of the Meeting can be 

viewed at www.cpsc.gov/live. 

For a recorded message containing the 

latest agenda information, call (301) 

504–7948. 

CONTACT PERSON FOR MORE INFORMATION: 

Todd A. Stevenson, Office of the 

Secretary, U.S. Consumer Product 

Safety Commission, 4330 East West 

Highway, Bethesda, MD 20814, (301) 

504–7923. 

Dated: December 31, 2013. 

Todd A. Stevenson, 

Secretary. 

[FR Doc. 2013–31536 Filed 12–31–13; 11:15 am] 

BILLING CODE 6355–01–P 

CORPORATION FOR NATIONAL AND 

COMMUNITY SERVICE 

Proposed Information Collection; 

Comment Request 

AGENCY: Corporation for National and 

Community Service. 

ACTION: Notice. 

SUMMARY: The Corporation for National 

and Community Service (CNCS), as part 

mstockstill on DSK4VPTVN1PROD with NOTICES

388 Federal Register / Vol. 79, No. 2 / Friday, January 3, 2014 / Notices 

of its continuing effort to reduce 

paperwork and respondent burden, 

conducts a pre-clearance consultation 

program to provide the general public 

and federal agencies with an 

opportunity to comment on proposed 

and/or continuing collections of 

information in accordance with the 

Paperwork Reduction Act of 1995 

(PRA95) (44 U.S.C. 3506(c)(2)(A)). This 

program helps to ensure that requested 

data can be provided in the desired 

format, reporting burden (time and 

financial resources) is minimized, 

collection instruments are clearly 

understood, and the impact of collection 

requirement on respondents can be 

properly assessed. 

Currently, CNCS is soliciting 

comments concerning its proposed 

Senior Corps RSVP Notice Of Funding 

Opportunity Non-applicant Study. The 

study involves two data collection 

phases. Phase I is a survey of 

individuals representing organizations, 

non-profits, and public agencies that are 

(1) current applicants, (2) current nonapplicants, and (3) potential applicants 

for the RSVP Notice of Funding 

Opportunity. Phase II involves in-depth 

interviews with a range of stakeholders 

that includes individuals who 

administer grants, administer nonprofits and public agencies applying for 

RSVP grants and representatives of state 

commissions. 

The survey and interviews are 

designed to allow CNCS Senior Corps 

administrators to understand how 

grantees and potential grantees view the 

application process, what factors are 

important in the decision to apply, and 

how the NOFO can be written to 

generate a higher response rate from 

potential grant applicants. 

Copies of the information collection 

request can be obtained by contacting 

the office listed in the ADDRESSES

section of this notice. 

DATES: Written comments must be 

submitted to the individual and office 

listed in the ADDRESSES section by 

March 4, 2014. 

ADDRESSES: You may submit comments, 

identified by the title of the information 

collection activity, by any of the 

following methods: 

(1) By mail sent to: Corporation for 

National and Community Service, 

Senior Corps Program; Attention 

Anthony Nerino, Research Associate, 

Office #10913A; 1201 New York Avenue 

NW., Washington, DC 20525. 

(2) By hand delivery or by courier to 

the CNCS mailroom at Room 6010 at the 

mail address given in paragraph (1) 

above, between 9:00 a.m. and 4:00 p.m. 

Eastern Time, Monday through Friday, 

except Federal holidays. 

(3) Electronically through the 

Corporation’s email system to anerino@

cns.gov. 

Individuals who use a 

telecommunications device for the deaf 

(TTY–TDD) may call 1–800–833–3722 

between 8:00 a.m. and 8:00 p.m. Eastern 

Time, Monday through Friday. 

FOR FURTHER INFORMATION CONTACT: 

Anthony Nerino, (202–606–3913), or by 

email at anerino@cns.gov. 

SUPPLEMENTARY INFORMATION: 

CNCS is particularly interested in 

comments that: 

• Evaluate whether the proposed 

collection of information is necessary 

for the proper performance of the 

functions of CNCS, including whether 

the information will have practical 

utility; 

• Evaluate 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; 

• Enhance the quality, utility, and 

clarity of the information to be 

collected; and 

• Minimize the burden of the 

collection of information on those who 

are expected to respond, including the 

use of appropriate automated, 

electronic, mechanical, or other 

technological collection techniques or 

other forms of information technology 

(e.g., permitting electronic submissions 

of responses). 

Background 

CNCS has contracted with GMMB and 

Freedman Consulting LLC to implement 

a study of the RSVP grant application 

process in order to better understand the 

positive and prohibitive factors 

associated with the Retired and Senior 

Volunteer Program Notice of Funding 

Opportunity application process. This 

project involves a survey of grant 

applicants, non-applicants and potential 

applicants for the 2013 RSVP NOFO. 

Additionally the study involves a series 

of brief interviews with various 

stakeholders in the application process 

to augment and assist in understanding 

the survey results. 

Potential survey respondents will be 

drawn from three sources; current 

applicants, potential applicants that 

filed a notice of intent to apply but did 

not file a grant application, and 

potential applicants (non-profits and 

public agencies) that have not yet 

applied or filed notice of intent letter. 

Potential interview respondents will 

include grant applicant stakeholders 

including grant managers, non-profit 

and public agency administrators. 

Survey data will be collected using an 

on-line survey program. Interview data 

will be collected via taped and written 

responses to telephone conversations. 

Data analysis will focus on identifying 

and understanding factors associated 

with the decision to apply, factors 

associated with the decision to not 

apply, and perceived and real barriers to 

completing the grant application. 

Quantitative data analysis will include 

descriptive statistics and inferential 

analysis of survey responses by 

respondent and organization 

characteristics. 

Current Action: CNCS seeks public 

comment on a new data collection 

instrument and a set of interview 

questions developed for this project. 

The instrument and interview 

questionnaire is being designed by the 

contractor for this project. 

Type of Review: New. 

Agency: Corporation for National and 

Community Service. 

Title: Retired and Senior Volunteer 

Program NOFO Non-applicant Study. 

OMB Number: None. 

Agency Number: None. 

Affected Public: RSVP Grant 

Applicants and Potential Applicants. 

Total Respondents: Written Surveys 

300. Interviews 40. 

Frequency: One time. 

Average Time per Response: 30 

minutes. 

Respondent category Number Time 

(minutes) Total hours 

Survey Respondents ................................................................................................................... 300 30 150 

Interview Participants ................................................................................................................... 40 30 20 

Estimated Total Burden Hours: 170. 

Total Burden Cost (capital/startup): 

None. 

Total Burden Cost (operating/

maintenance): None. 

Comments submitted in response to 

this notice will be summarized and/or 

included in the request for Office of 

mstockstill on DSK4VPTVN1PROD with NOTICES

Federal Register / Vol. 79, No. 2 / Friday, January 3, 2014 / Notices 389 

Management and Budget approval of the 

information collection request; they will 

also become a matter of public record. 

Dated: December 27, 2013. 

Erwin Tan, 

Program Director, Senior Corps. 

[FR Doc. 2013–31481 Filed 1–2–14; 8:45 am] 

BILLING CODE 6050–28–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

[Docket ID: DoD–2013–OS–0199] 

Submission for OMB Review; 

Comment Request 

ACTION: Notice. 

SUMMARY: The Department of Defense 

has submitted to OMB for clearance, the 

following proposal for collection of 

information under the provisions of the 

Paperwork Reduction Act (44 U.S.C. 

Chapter 35). 

DATES: Consideration will be given to all 

comments received by February 3, 2014. 

FOR FURTHER INFORMATION CONTACT: Fred 

Licari, 571–372–0493. 

SUPPLEMENTARY INFORMATION: 

Title, Associated Form and OMB 

Number: Project Time Record System; 

OMB Control Number 0704–0452. 

Type of Request: Reinstatement. 

Number of Respondents: 1,200. 

Responses per Respondent: 52. 

Annual Responses: 62,400. 

Average Burden per Response: 15 

minutes. 

Annual Burden Hours: 15,600. 

Needs and Uses: Contractors working 

for the Defense Logistics Agency, 

Information Operations, J–6, log into an 

automated project time record system 

and annotate their time on applicable 

projects. The system collects the records 

for the purpose of tracking workload/

project activity for analysis and 

reporting purposes, and labor 

distribution data against projects for 

financial purposes; and to monitor all 

aspects of a contract from a financial 

perspective and to maintain financial 

and management records associated 

with the operations of the contract; and 

to evaluate and monitor the contractor 

performance and other matters 

concerning the contract, i.e., making 

payments, and accounting for services 

provided and received. Defense 

Logistics Agency, Information 

Operations, J–6, intends to execute this 

option on new contracts and, as 

necessary, modify existing contract 

agreements. 

Affected Public: Business or other forprofit; individuals or households; not 

for profit institutions. 

Frequency: Weekly. 

Respondent’s Obligation: Voluntary. 

OMB Desk Officer: Ms. Jasmeet 

Seehra. 

Written comments and 

recommendations on the proposed 

information collection should be sent to 

Ms. Jasmeet Seehra at the Office of 

Management and Budget, Desk Officer 

for DoD, Room 10236, New Executive 

Office Building, Washington, DC 20503. 

You may also submit comments, 

identified by docket number and title, 

by the following method: 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

Instructions: All submissions received 

must include the agency name, docket 

number and title for this Federal 

Register document. The general policy 

for comments and other submissions 

from members of the public is to make 

these submissions available for public 

viewing on the Internet at http://

www.regulations.gov as they are 

received without change, including any 

personal identifiers or contact 

information. 

DOD Clearance Officer: Ms. Patricia 

Toppings. 

Written requests for copies of the 

information collection proposal should 

be sent to Ms. Toppings at WHS/ESD 

Information Management Division, 4800 

Mark Center Drive, East Tower, Suite 

02G09, Alexandria, VA 22350–3100. 

Dated: December 30, 2013. 

Aaron Siegel, 

Alternate OSD Federal Register Liaison 

Officer, Department of Defense. 

[FR Doc. 2013–31456 Filed 1–2–14; 8:45 am] 

BILLING CODE 5001–06–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

Defense Acquisition University Board 

of Visitors; Notice of Federal Advisory 

Committee Meeting 

AGENCY: Defense Acquisition 

University, DoD. 

ACTION: Meeting notice. 

SUMMARY: The Department of Defense is 

publishing this notice to announce that 

the following Federal advisory 

committee meeting of the Defense 

Acquisition University Board of Visitors 

(BoV) will take place. This meeting is 

open to the public. 

DATES: Wednesday, February 12, 2014, 

from 9:30 a.m. to 2:30 p.m. 

ADDRESSES: DAU Headquarters, 9820 

Belvoir Road, Fort Belvoir, VA 22060. 

FOR FURTHER INFORMATION CONTACT: 

Christen Goulding, Protocol Director, 

DAU. Phone: 703–805–5134. Fax: 703– 

805–5940. Email: christen.goulding@

dau.mil. 

SUPPLEMENTARY INFORMATION: This 

meeting is being held under the 

provisions of the Federal Advisory 

Committee Act of 1972 (5 U.S.C., 

Appendix, as amended), the 

Government in the Sunshine Act of 

1976 (5 U.S.C. 552b, as amended), and 

41 CFR 102–3.150. 

Purpose of the Meeting: The purpose 

of this meeting is to report back to the 

BoV on continuing items of interest. 

Agenda: 

9:30 a.m. Welcome and 

announcements 

9:45 a.m. 2013 Year in Review 

10:45 a.m. Massive Open Online 

Courses 

12:30 p.m. Knowledge Repository Web 

site Development 

2:30 p.m. Adjourn 

Public’s Accessibility to the Meeting: 

Pursuant to 5 U.S.C. 552b and 41 CFR 

102–3.140 through 102–3.165, and the 

availability of space, this meeting is 

open to the public. However, because of 

space limitations, allocation of seating 

will be made on a first-come, first 

served basis. Persons desiring to attend 

the meeting should call Ms. Christen 

Goulding at 703–805–5134. 

Written Statements: Pursuant to 41 

CFR 102–3.105(j) and 102–3.140, and 

section 10(a)(3) of the Federal Advisory 

Committee Act of 1972, the public or 

interested organizations may submit 

written statements to the Defense 

Acquisition University Board of Visitors 

about its mission and functions. Written 

statements may be submitted at any 

time or in response to the stated agenda 

of a planned meeting of the Defense 

Acquisition University Board of 

Visitors. All written statements shall be 

submitted to the Designated Federal 

Officer for the Defense Acquisition 

University Board of Visitors, and this 

individual will ensure that the written 

statements are provided to the 

membership for their consideration. 

Statements being submitted in 

response to the agenda mentioned in 

this notice must be received by the 

Designated Federal Officer at least five 

calendar days prior to the meeting 

which is the subject of this notice. 

Written statements received after this 

date may not be provided to or 

considered by the Defense Acquisition 

University Board of Visitors until its 

next meeting. Committee’s Designated 

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