P a g e 1 o f 6 

### CONSU M ER F I N A N C IAL P ROTECTI O N BU R EAU

P A P ERWO R K RE DU CTI O N A C T S UB M I S S ION

IN F O R M ATI O N C O L LECTI O N S REQU E S T

S UP P ORTI N G S TAT E M ENT P A RT A CONSU M ER A ND

C O LLE G E C R EDIT CA R D A G RE E M ENT (O M B CONTROL

N UM BER: 3170

- X X X X)

OMB TER M S OF CL E A R A N CE: Not a ppl i c a ble. T his i s a re qu e st for a n e w O M B c ontrol

numbe r

.

AB S TR A CT:

Sec t i ons 204 a n d 305 o f t he C r ed i t C a r d A cc o un t ab i l i t y R e s pon s i b i l it y and Di s c l o s u r e A c t of 2009

( CAR D A c t ) a nd 12 C .F. R

. §§ 226.5 7 ( d) and 2 26.58 r e qu i r e c a r d i s s u e r s t o sub m

i t t o t he Con s u m

er

Fin a n c i a l P r o t e c t i on B u r e a u ( C F PB ) :

 a g r ee m

en t s b e t w een t he i ss uer a nd a c onsu mer un d er a c r e d i t c a r d a c cou n t f

o r a n open

- end

con s u m er c r ed i t p l a n ; and

 any co l l e g e c r e d i t c a

r d a g r e e men t s t o w h i ch t he i s s uer i s a p a rt y and ce r t a

i n a d d i ti o nal

i n f o r m a ti on r e g a r d i ng t ho s e a g r ee m en t s.

T he d a t a c o l l e c ti o n s e n ab l e t he C F PB t o p r o v i d e co n s u m e r s wi t h a ce n tr a l i z ed de p os i t o r y f o r co n su mer

and c o l l e g e c r e d i t c a

r d a g r e e m en t s. I t a l so p r e s en t s i nf o r m a ti on t o t he pu b l i c r e g a r d i ng t he a r r an g e men t s

be t w e e n f i na n c i a l i n s t i t u t i o ns a nd i n s t i t u ti o n s of h i g h e r ed u ca t i on.



### P A RT A. J U S TI F IC A TION

1. Ci rc u m stanc e s N e c e ss it a t i n g the Da t a Colle c ti o n

Pu r su a nt t o t he Dodd

- Fr a nk Wa l l S tr e et R e f o r m and Consu m

er Pr o t e c ti o n A ct ( “ D odd

- Fr a nk A c t ” )

, Sec t i on 5 0 2 ( a ) o f t h e C A R D A ct r e qu i r es pe r i o d i c r e v i ews o f t h e co n su m er c r ed i t ca r d m a r k e t

, wi t h i n t he

li m it s o f t he B u r ea u ’ s e x i s ti ng r e s ou r ces a v a il a b l e f o r r epo r ti ng pu r

pos e s. A s e na c t ed i n 20 0 9, t h e C A R D

A ct d i r e c t e d t h at t he F ed e r a l R e s e r v e Board ( F RB ) co n duct t h i s r e v i ew. T he C F P B and t h e F R B

conc l uded i n M a y 2012 t h a t r e spo n s i b i l it y f

o r t h i s r e v i ew w i l l be t r an s f e r r ed t o t h e C F P B , a l ong wi t h t he

g ene r al t r an s f er of r u l e m a k

i ng au t ho r it y f

o r t h e T r u t h i n Lend i ng A c t

.

A s s et f o rt h i n t he s t a

t u t e, t he s e co l l e c t i ons s eek t o e x a m i ne de v e l op m

en t s i n t he c onsu mer c r e d i t c a r d

m a r k e t p l ace, i n c l u d i n g :

 e f f ec t i v ene s s of d i s c l o su r e of t e r m s, f e e s, a nd o t h er e x pen s e s of c r e d i t c a r d p l a n s;

 adequ a cy of p r o t e c t i ons a g a i n s t u n f a i r o r d e ce p ti v e a c t s or p r a c t i ces r e l a ti ng t o c r e d i t ca r d p l an s

.

C ons u m e r Cre d

i t C ard A g r e e m ent Q uar

t e r l y Su b m i s s i onP a g e 2 o f 6

O n Ju l y 21, 201 1

, t h e C F P B a s su med r e s pon s i b il it y under t he CAR D A ct f or qu a rt e rl y c o l l e c t i ng c r e d i t

ca r d a g r ee m

en t s i n a p ub l i c l y a v a il a b l e d a t a b a s e

. Pu r s u ant t o 12 C FR 1 0 26.5 8 ; 15 U SC 1632 ( d )( 2 )

- ( 3 ) ;

co l l e c ti o n i s m anda t ed f

or a l l i s s u e r s ( s u b

j ect t o d e mi n i m us e x ce p ti o ns )

, and s c o p e of m anda t e m ay

r eq u ir e sub m

i s s i on o f m

u lt i p l e d i f f e r e n t a g r ee m

en t s f or each i s s ue r

.

C o ll e ge C r e d i t C ard A g r e e m e n t A n n ual Su b m i

s s i on

T h i s c o l l e c ti o n i s m ade pu r su a nt t o t he CAR D A ct r e q u ir e m en t : 12 C .F. R . § 102 6 .57 ( d ) ; 15 U .S. C . §

1637 ( r ) ; 76 FR 7 9 768 ( D e c . 22, 201 1 )

.

E v e r y y ea r

, t h e C A R D A ct r eq u ir e s t he C F PB t o c o ll ec t t h e a g r ee m en t s i n p l a c e b e t w een c r e d i t c a r d

i s s u e r s and i n s t i t u ti o n s of h i g her ed u c a ti on, as w e l l as su m m a r y da t a abo u t t h e c r e d i t ca r ds o ff e r ed

pu r s u ant t o t he s e a g r ee m

e n t s.

T he CAR D A ct r e qu i r es t h e C F PB t o s u b m i t t o C on gr e s s, a nd t o m a k e a v a il ab l e t o t he p ub l i c, an a n nu a l

r ep o r t t h a t l i s t s i n f o r m a ti on su b m

itt ed t o t he B u r e au c o nce r n i ng a g r ee m en t s b e t w e en c r ed i t c a r d i s s ue r s

and i n s t it u t i ons o f h i g her e duca t i on or c e r t a i n a f f i l i a t e d o r g an i z a t i ons

. 1 A f

f i l i a t ed o r g an i z a t i ons i n c l ude

fr a t e r n i t i e s

, s o r o r i t i e s

, a l u m ni a s so c i a ti o n s, o r f

o u nd a t i ons a f f i l i a t ed w i t h o r r e l a t e d t o an i n s t it u t i on of

h i g her e d uc a ti o n. C F P B p r o v i des t h i s ce n tr a l i z ed dep o s i t o r y on i t s we b s i t e a nd a l s o pub l i s h es an ann u al

r ep o r t each y e a

r b a s e d u po n t he sub m

it t ed d a t a.

Si m il a r l y t o t h e qu a

r t e r l y c r ed i t c a

r d a g r e e ment sub m

i s si on, t h i s r o l e w as a l so i n he r i t ed fr om t he F e de r al

R e s e r v e Bo a

r d.

T he ann u al sub m

i s si o n of c o l l e g e c r e d i t c a r d a g r ee m e n t s h a s p r e v i ou s l y app r o v ed by t he Of f i ce of

M a na g e ment and Bud g e t

, a nd be a r s OMB app r o v al n u m

ber 710 0

- 0199.



### 2. Use of t h e I nf

o r m a t i on

C ons u m e r Cre d

i t C ard A g r e e m ent Q uar

t e r l y Su b m i s s i on

E v e r y qua rt e r

, t h e C A R D A ct r equ i r es t h e C F PB t o c o l l ect and p ost t o C F PB ’ s w eb s i t e c r e d i t c a r d

a g r ee m en t s f r om i s s u e r s w i t h o v er 10

, 000 a ccou n t s. F i nanc i al i n s t i t u ti o ns m ust s u b m i t con s u m er c r ed i t

ca r d a g r ee m

en t s q u a r t e r l y by t he f

i r s t bu s i n e ss d ay on or a f

t e r J a nu a r y 31, A p r i l 3 0, J u l y 31, a nd O c t ob e r

31 of e ach y e a

r , as de s c r i b e d i n 12 C .F. R

. § 226. 5 8.

C onsu m er a g r ee m

ent sub m i s s i ons g en e r a ll y m ust r e fl e ct t he c o nsu mer a g r ee m en t s an i s su e r o f

f e r ed t o t he

pub l i c a s of t he l a st b us i ne s s d a y of t he p r ec e d i ng c a l e ndar q ua r t e r

. F o r exa m

p l e, t he s u b m

i s si on due o n

J a nu a r y 31, 2014 (t h e f

i r st bus i n e s s day on or a f

t er J a n ua r y 31, 20 1 4 ) m

ust r e f l e c t t he c onsu m

er

a g r ee m en t s y our i n s t it u t i on o ff

e r ed t o t he pub l i c as o f D ece m ber 31, 20 1 3 ( t he l a s t bu s i n e ss day of t he

f ou r t h c a l end a

r qu a r t e r )

.

T he C F P B i s r eq u i r ed by l a w t o m a k e a l l su c h a g r ee m

en t s “ ea s il y a c ce s s i b l e a nd r e t r i e v ab l e .” T h ey a r e

pos t e d on C F PB ’ s s it e : h t t p : / / www .con s u m

e r f i na n ce .g o v

/ c r e d i t

- ca r d s / a g r ee m

en t s /

. T h e a g r ee m

en t s can

1 T h e C o ns u m er F i n a n cial P ro tecti o n B u r e a u ( t h e “C F P B ”) su b m i t s t h is r e por t in a c c ord a n ce w i t h Secti o n 30 5 o f t h e

C r e d it C a r d A c cou n ta b il it y R e s po ns i b ili t y a n d D i s cl o s u r e Act o f 200 9 ( t h e “ C A R D A ct” )

, P u b

. L

. N o

. 1 1 1

– 24

, §

305( a )

, 1 2 3 Stat. 1 7 34

, 17 4 9

- 5 0 (2 0 09)

.P a g e 3 o f 6

be f i l t e r ed by i s su e r and t he t e x t i s f u ll y s e a r c h ab l e

. T h i s f

a c i l it a t e s c o n su me r s’ a

b i l i t y t o f i nd t h e i r c r e d i t

ca r d a g r ee m

ent and co m

pa r e i t t o o t h e r s.

C o ll e ge Cr e d i t C ard A g r e e m e n t A n n ual Su b m i

s s i on

E v e r y y ea r

, t h e C A R D A ct r eq u ir e s t he C F PB t o c o ll ec t t h e a g r ee m en t s i n p l a c e b e t w een c r e d i t c a r d

i s s u e r s and i n s t i t u ti o n s of h i g her ed u c a ti on, as w e l l as su m m a r y da t a abo u t t h e c r e d i t ca r ds o ff e r ed

pu r s u ant t o t he s e a g r ee m

e n t s.

C o ll e g e a g r e e m

en t s m ust b e s ub m

it t ed a n nu a ll y by t he f

i r st bu s i ne s s d a y on o r a f

t er M a r c h 31 o f e a ch

y ea r , as d e s c ri b ed i n 12 C

. F

. R . § 226.5 7 ( d )

. For exa m p l e, i f a n i n s t it u t i on w as a p a

rt y t o a co l l e g e c r e d i t

ca r d a g r ee m

ent i n e f f e c t a t any ti m e du ri ng c a l en d ar ye ar 20 1 3

, t h e a g r ee m ent a nd i n f

o r m a ti on abo u t t h at

a g r ee m ent m ust be s e n t t o t he C F P B a f t er D ece m

ber 3 1, 20 1 3, a nd no l a t er t h an M a r ch 31, 2 01 4

.

T he a g r ee m

en t s b e t w e en t h e f

i nan c i a l i n s t i t u t i on a nd t he i n s t it u t i on of h i g her ed u ca t i on a nd i n f o r m a ti on

about t h o se a g r e e men t s a r e con s i de r ed no n co n fi d en t i a l

. T h e C F P B w i l l m a k e t he s e a g r ee m

en t s and t he

r e l a t e d i n f

o r m a ti on a v a i l a b l e t o t he p ub l i c as p a r t of a n annu a l r epo r t

.

A g r e e m en t s b et w e en a fi na

nc i a l i ns ti t u t i on a nd an i n s ti t u t i on o f h i g her ed u c a ti on a nd i n f o r m a ti o n

about t h o se a g r e e men t s a r e con s i de r ed no n co n fi d en t i a l beca u s e :

 Sec t i on 3 0 4 of t he C r e d i t C AR D A ct and 12 C. F

. R

. § 2 26.57 ( b ) r eq u ir e i n s t it u ti on s of h i g her

educ a ti o n t o d i s c l ose t h e se a g r ee m en t s pu b l i c l y ; and

 Sec t i on 3 0 5 of t he C r e d i t C AR D A ct r eq u i r es t he Bo a r d t o s ub m

i t t o C on g r e ss an d m a k

e

a v a il a b l e t o t he p u b l i c a n a nnual r e p o r t t h at l i s t s c e rt a i n i n f o r m a ti on abo u t e ach ag r ee m ent

sub m itt ed.

T h i s i n f o r m a ti on i n c l u d e s :

 t he t o t al a m ount of p ay men t s by y our i n s t i t u ti o n du r i n g t he y ea r ;

 t he s pe c i f

i c t e r m s of t he a g r ee m

ent und e r w h i ch pa y m

e n t s a r e ca l cu l a t e d ;

 t he nu m

ber o f a c cou n t s o p e ned d u ri ng t he y ea r ;

 t he t o t al n u m

ber of a ccou n t s t h a t w e r e o p en a t t h e e n d of t h e y e a r ; and

 a l i st of a g r e e m en t s t e r m i n a t ed d u r i ng t he c a l e ndar y ear i n c l ud i ng t he na m e, t y pe, a nd l o c a t i on o f

t he i n s t i t u t i on o f h i g her e du ca t i on.



### This data c ol l ec t i on is in t e nd e d to bri n g g re a ter t r a nspa re n c y to t he c ol le g e a nd unive r si t y c r e dit

ca rd m a rk e t

. The CARD A c t prohibits c re dit c a rd is s u e rs f rom e x tending c r e dit without

a ssessing the c onsum e rs’ a bi l i t y to p a y , spe c i fi ca l l y p e rsons und e r the a g e o f 2 1 . This c ol l ec t i on

is v i tal to t he on g oing re g ulato r y s u rv e i l lan c e o f th is po t e nt i a l l y ris k y m a r k e t s e g m e n t . The

c ol l ec t i on a lso provides c onsum e r s , including c ol l e ge student s

, c l e a r a nd c ompa ra ble in f o r m a t i on

re g a rdi n g their c r e dit ca r ds.

T he c o ll e g e c r e d i t ca r d d a t a i s p o s t ed a t h t t p s : / / d a t a

. co n su m e rfi n a nce. g o v / G o v e r n m

en t/ C o l l e g e

- C r ed i t

C a r d

- A g r ee m

en t s / r 96 3

- h v s f

.



### 3. Use of I nf

o r m a t ion T ec hn ology

T he C F P B chan g ed t he s u b m i s si on m e t hod f r om f ax i n g P D F/h a nd w r i t t en f

o r m s t o e m a ili ng Exc e l f

o r m s

e l e c t r on i ca l l y i n Ju l y 2012. T h i s c han g e has m ade t he f o r m sub m i s si on e f f i c i ent a n d ti m

e l y and r edu c ed

l o g i s t i c a l b u r de n

.P a g e 4 o f 6



### 4. Ef f o r ts t o Id e n ti f

y D up l i c a t ion

T h i s d a t a i s not o t h e r wi se av a il a b l e f r om any o t her so u r ce.



### 5. Ef f o r ts t o M i n i m i z e B u r d e n s on S m all E n ti t ies

N one of t he en t i t i e s a f

f e c t e d by t h i s d a t a c o l l ec t i on c a n be c l a s s i fi e d as s m a l l e n t i ti e s.



### 6. Cons e qu e n ce s of L e s s F r e qu e n t C ol l ec tion a n d O b sta c les t o B u r d e n R e du c tion

T o m eet s t a t u t o r y r e q u i r e men t s, t he C F P B i s r eq u i r ed t o co l l e c t t he s e d a t a q u a r t e r l y and annu a ll y and

m a k e t he i n f o r m a t i on a v a il ab l e t o t he Con g r e ss a nd t h e g ene r a l pu b l i c. W i t hout C F PB ’ s qu a r t e r l y

co l l e c ti o n of a g r ee m

en t s, c onsu m e r s m ay not ha v e ac c e s s t o t he l a t e s t and u p

- t o

- d a t e a g r ee m ent

d i s c l o s u r e. A l so, w i t hout t h i s d a t a t he pu b li c w ou l d b e h i n d e r ed i n t h e i r a b i l it y t o co m pa ri son shop f

or

c r e d i t ca r ds a nd co m

pe t it i o n w ou l d t h e r eby be h a r m ed. Fu r t he r

, t h e 

### C a rd Ac t r e quir e s C F P B to subm i t

to C on g r e ss and m a ke a v a i l a ble to the public a n a nnu a l r e port that lists ce r t a in i n f o r mation

re g a rdi n g the a r r a n g e m e nts betw ee n c r e dit c a rd issu e rs a nd inst i tu t ions of hi g h e r e du c a t i on.

7. Ci rc u m stanc e s R e qu iri n g Sp ec ial I n f o r m a t i on Colle c tion

T he B u r e au n o t es t h a

t w e r eque s t t hat e n t i ti e s r e s po n d w it h i n 10 b us i ne s s d a y s s o t h a t w e c a n p r o v i d e t h i s

i n f o r m a ti on i n it s e n t i r e t y t o g ene r a l pu b li c i n a t i m e l y f a s h i on. H o w e v er w e ap pr ec i a t e t h a t t h i s i s not

a l w a y s po s s i b l e f

or a l l i n s ti t u t i ons, and n o t e t h a t

, co m po r t i ng w it h O MB r u l es r e ga r d i ng i n f o r m a t i on

co l l e c ti o ns, a n e n t i t y has up t o 30 d a y s t o m a k e t he r e q u ir e d r e s po n s e. T h e r e a r e no sp e c i a l c i r cu m s t a n ces

r eq u i r i ng sp e c i a l i n f

o r m a t i o n co l l e c t i ons. These c o ll e c t i ons o f i n f o r m a ti on i s o t h er w i se c on s i s t ent w it h

t he a pp l i c a b l e g u i de l i n e s c o n t a i ned i n 5 C FR 1 3 20.5 ( d) ( 2 )

.



### 8. Cons u lta t ion O u ts i d e t h e Ag e n c y

I n acco r dan c e wi t h 5 C FR 1320.8 ( d ) ( 1 )

, t he B u r e a u h a s pub l i s h ed a no t i ce F ed e r a l Re g i s t er a l l o w i ng t he

pub l i c 60 da y s t o c o m m

ent on t h i s c o l l e c ti o n of i n f o r m a t i o n . F u rt h er a nd i n a c co r dance w it h 5 C FR

1320.5 ( a ) ( 1 ) (i v )

, t he B u r e a u pu b l i sh ed a n o t i ce i n t h e Fed e ral R eg i s t e r a ll o w i n g t he pub l i c 3 0 da y s t o

co m m ent on t he sub m

i s s i o n of t h i s i n f

o r m a t i on c o l l e c t i on r equ e st t o t he O f f i ce o f M a na g e ment and

B ud g e t

.



### 9. P a y me n ts or G i f

ts t o R e s p o nd e n ts

N one.



### 10. Ass u r a n ce s of Confi d e n tiality

T he i n f o r m a t i on c o l l e c t ed w il l be m ade pu b li c l y a v a i l ab l e and no a s s u r a nc e s of c on fi d en t i a l i t y a r e g i v en

t o r e s po n de n t s. No p e r s on a ll y i de n t if y i ng i n f o r m a ti on i s c o l l e c t ed, and t he B u r eau w il l t r e a t a l l

i n f o r m a ti on r e c e i v ed c o ns i s t e n t w i t h i t s c on f i de n t i a l it y r e g u l a t i o n s a t 12 C FR P a r t 107 0 .20 e t s eq.



### 11. J u sti f

ica t ion f or S e n sitive Q u e stio n sP a g e 5 o f 6

T h i s i n f o r m a tio n co l l e c t i on does n o t i n c l ude q ue s ti o ns of a s en s i t i v e na t u r e.



### 12. Esti m a t e d B u r d e n of I n f o r m a t ion Colle c t i on

I nf o r m at i o n C o llec t i o n

Requir e m e nt N o

. o f

Respon d e nts Fr e q u ency N u m ber o f

Ann u a l

Resp o nes A v e rag e

Respon s e T i m e

( h o ur s ) Ann u a l B urd e n

Ho urs

Q u a r te r l y C r e d it C a r d

A g r e e m e n t S u b m i s s i o n 400 4 1

, 60 0

. 2 5 400

A n nu al C o lle g e C r e d it

C a r d A g r e e m

e n t

S u b m i s s i o n 30 1 30 1 30

T o tal s : 430 //////// / ///// 1

, 63 0 //////// / ////// / //// 430

T he p r o pos e d ann u al b u r de n f or t he qu a rt e rl y c r e d i t ca

r d a g r ee m

ent s ub m i s si on w ou l d b e 400 h ou r s. T he

C F P B i s r equ i r ed t o co l l e c t t he a g r e e men t s f r om at l e a s t 350 c r e d i t c a r d i s s u e r s ; t y p i c a ll y t h e nu m ber of

r e s p o nde n t s fl u c t u a t e s a

r o u nd 400. S i nce t h e s e a g r e e m en t s c o l l e c t ed a r e r e ad i l y a v a il a b l e by t h e c a r d

i s s u e r s ( a n d us u a l l y a l r eady pub l i c l y d i s c l os e d )

, t h i s r e qu i r e ment i m pos e s l i t t l e b u r den.

Asso c i a t ed Lab o r Co s t s:

Q uar t e r l y agr e eme n t c r

ed i t ca r d ag r ee m e n t sub m i s s i o n

We e s t i m a t e t he l a

bor co s t s t o s u b m

i t t he c r ed i t c a

r d a g r ee m en t s q ua r t e rl y t o b e $ 2 0,840 b a s e d on t h e

f o l l o w i ng f

o r m u l a: p e r c en t a g e of s t a f

f t i m e, m u lti p l i ed by annual b u r d e n ho u r s, m u l t i p l i ed by hou rl y r a t e

( 30% A d m

i n i s t r a ti v e Se r v i ces M a na g er @ $4 3 , 7 0 % O pe r a ti o n s M ana g er @ $5 6

, )

. H ou r l y r a t e e s t i m a t es

f or e ach occu p a t i on a l g r o u p a r e a v e r a g es u s i ng da t a f r om t he Bureau of L a

bor a n d St a ti s t i cs ( B L S )

, O ccup a ti o n al E m

p l o y m ent and W a g e s , M a y 2013, h t t p : / / www .b l s. g o v

/ b l s / b l swa g e.h t m . Occup a ti o n s a r e

de f i ned u s i ng t h e B L S O c c upa t i on a l Cl a s s i f i c a t i on S y s t e m

, h tt p : // www .b l s. g o v / so c /

.



### The pro p osed a nnu a l bu r d e n for the a nnu a l coll e ge c r e dit c a rd a g re e ment submis s ion would be

30 hours. T y p i ca ll y t he n u m ber of r e spon d en t s f

l u c t ua t e s a

r ound 3 0. S i nce t h es e a g r ee m en t s c o l l e c t ed

a r e r ea d il y a v a i l a b l e by t he ca r d i s su e r s ( and u su a ll y a l r eady pub l i c l y d i s c l os e d )

, t h i s r eq u ir e m ent i m pos e s

l i t t l e b u r de n

.

Annual C r

ed i t C a r d Agr ee m ent s u b m i s s i on

We e s t i m a t e t he l a

bor co s t s t o s u b m

i t t he ann u al c o l l e g e c r e d i t c a r d a g r e e ment t o b e $ 1,605 ba s e d on t he

f o l l o w i ng f

o r m u l a: p e r c en t a g e of s t a f

f t i m e, m u lti p l i ed by annual b u r d e n ho u r s, m u l t i p l i ed by hou rl y r a t e

( 30% A d m

i n i s t r a ti v e Se r v i ces M a na g er @ $4 3 , 5 0 % O pe r a tio n s M ana g er @ $5 6 , and 2 0 % Le g al

C ouns e l @ $63 )

. H o u r l y r a t e e s t i m a t es f or e ach o ccu p a t i on a l g r oup a r e a v e r a g es us i ng da t a f

r om t he

B u r eau of L a

bor and S t a t i s t i cs ( B L S )

, O c cup a t i on a l E m p l oy m ent and Wa g e s

, Ma

y 2013,

h tt p : / / www .b l s

. g o v

/ b l s / b l s w a g e.h t m

. O ccupa t i ons a r e de f i ned u s i ng t h e B L S O c c upa t i on a l Cl a s s i f i c a t i on

S y s t e m

, h tt p : // www .b l s. g o v / so c /

.



### 13. Esti m a t e d To t al A nnu al Cost B u r d e n t o R e s p o nd e n ts or R ec o r dk ee p er s

Sin c e t h i s d a t a i s a l r eady c o ll e c t ed by t he r e s ponde n t i n t h e i r o r d i na r y co u r se of bu s i n e s s

, r ep o r t i ng i t o nP a g e 6 o f 6

t h i s f o r m i m pos e s no si g n i f

i ca n t a d d i ti o n al co s t s on t he m



### .

14. Esti m a t e d Cost t o th e F e de r al G o v er n me n t

N one. T he C F PB i nc u r s no un i que co s t s as a r e su l t of t h i s d a t a co l l e c t i on.



### 15. P r o g r a m Cha n g e s or Adjus t m e n ts

Sin c e t h i s i s a r eq u e s t f

o r a new O MB co n tr o l nu m be r

, a l l t he bu r d en a s s o c i a t ed w i t h t h i s co l l e c t i on o f

i n f o r m a ti on i s con s i d e r ed t o be a p r o g r am chan g e. Fu r t he r

, t h e s e s s t a t u t o r i l y r eq u i r ed c o l l e c ti o ns h a v e

been c ondu c t ed by t he Bu re au wi t hout a c u r r en t l y v a li d O MB con t r o l nu m be r

. T h e r e f

o r e, t he p r o g r am

chan g e wi l l be c l a s s i f

i ed as “ C han g e due t o P R A V i o l a ti o n .”



### 16. P la n s f

or Ta b u lati o n , S ta t istical Ana l ysi s , a n d P ub l i c a t ion

I nd i v i dual r e s pond e nt d a t a a r e c o l l e c t ed and t hen pub li sh e d on C F P B ’ s p u b l i c w e b s i t e. T h e r e i s no

co m p l ex an a l y ti c al t e c hn i q

ues b e i ng us e d. The f

i n a l pr e s e n t a t i on of t he i n f o r m a ti o n does i n c l ude ba s i c

s e a r ch, f i lt e r a n d s o r t f

un c t i ona l i t i e s

.



### 17. Dis p lay of Ex p ira t i on Da t e

W hen assigned by OMB

, t he B u r e au p l ans t o d i s p l a y t he exp i r a t i on d a t e f or O MB ap p r o v al of t h e

i n f o r m a t i on c o l l ec t i on on a l l i n s tr u m en t s

. T 

### he OMB c ontrol numb e r a nd e x pir a t i on d a te a ssoci a t e d

with t his P RA submis s ion will be disp la y e d on the Fe d e r a l g ov e rnm e nt’s e l e c tronic P RA

do c k e t at w w w

. r e g info

. g o v

,

18. Ex ce p tions t o the C er ti f ica t ion R e qu ir e m en t

The B u r ea u ce rtifi e s t h a t t his coll ec t i on of info r m a t i on is c onsistent with the re quir e ments of 5

C F R 1320.9, a nd the re l a ted p r ovis i ons of 5 C F R 1320.8 ( b ) (3) a nd is not se e ki n g a n e x e mp t ion

to t h e se ce rtifi c a t i on r e q u ir e ments.