Federal Register / Vol. 89, No. 202 / Friday, October 18, 2024 / Notices 83849 

21The circular is available at: https://

www.consumerfinance.gov/compliance/circulars/ 

consumer-financial-protection-circular-2024-04/. 

22The interpretive rule is available at: https://

www.federalregister.gov/documents/2024/07/31/ 

2024-16827/truth-in-lending-regulation-zconsumer-credit-offered-to-borrowers-in-advanceof-expected-receipt-of. 

23The Proposed Order is available at: https://

www.consumerfinance.gov/enforcement/actions/ 

navient-corporation-navient-solutions-inc-andpioneer-credit-recovery-inc/. 

24The Consent Order is available at: https://

www.consumerfinance.gov/enforcement/actions/tdbank-na-furnishing-2024/. 

25The Consent Orders are available at: https://

www.consumerfinance.gov/enforcement/actions/ 

fay-servicing-llc-2024/. 

26The Consent Order is available at: https://

www.consumerfinance.gov/enforcement/actions/ 

fifth-third-bank-na-fpi-2024/. 

27The Opinion and Order is available at: https:// 

www.consumerfinance.gov/enforcement/actions/ 

fifth-third-bank-national-association/. 

companies may be breaking the law by 

requiring employees to sign broad 

nondisclosure agreements that could 

deter whistleblowing.21 The circular 

explains how, in certain circumstances, 

imposing sweeping nondisclosure 

agreements that do not clearly permit 

communication with law enforcement 

may intimidate employees from 

disclosing misconduct or cooperating 

with investigations. This could impede 

investigations and potentially violate 

Federal whistleblower protections. 

3.1.5 CFPB Proposes Rule on Earned 

Wage Access 

On July 18, 2024, the CFPB proposed 

an interpretive rule explaining that 

many paycheck advance products, 

sometimes marketed as ‘‘earned wage’’ 

products, are consumer loans subject to 

TILA.22 The guidance would ensure that 

lenders understand their legal 

obligations to disclose the costs and fees 

of these credit products to workers. 

4. Enforcement Actions 

The CFPB’s supervisory activities 

resulted in and supported the below 

enforcement actions. 

4.1.1 Navient Corporation 

On September 12, 2024, the court 

entered a stipulated final judgment and 

order against the student loan servicer 

Navient for its years of failures and 

lawbreaking.23 The order permanently 

bans the company from servicing 

Federal Direct Loans and forbids the 

company from directly servicing loans 

issued under the Federal Family 

Education Loan Program (FFELP) or 

acquiring, with limited exceptions, any 

FFELP loans. These bans largely remove 

Navient from a market where it, among 

other illegal actions, steered numerous 

student loan borrowers into costly 

repayment options. Navient also 

illegally deprived student borrowers of 

opportunities to enroll in more 

affordable income-driven repayment 

programs and caused them to pay much 

more than they should have. Under the 

terms of the order, Navient paid a $20 

million penalty and provided $100 

million for redress for harmed 

borrowers. 

4.1.2 TD Bank 

On September 11, 2024, the CFPB 

ordered TD Bank to pay $7.76 million 

to tens of thousands of victims of the 

bank’s illegal actions.24 For years, the 

bank repeatedly shared inaccurate, 

negative information about its 

customers to consumer reporting 

companies. The information included 

systemic errors about credit card 

delinquencies and bankruptcies. In 

addition to the redress, the CFPB is 

ordering TD Bank to pay a $20 million 

civil money penalty. 

4.1.3 Fay Servicing, LLC 

On August 21, 2024, the CFPB 

ordered Fay Servicing to pay a $2 

million penalty for violations of 

mortgage servicing laws, as well as for 

violations of a 2017 agency order that 

addressed its illegal foreclosure 

practices.25 The company failed to 

implement the order’s requirements and 

continued to break the law. Fay 

Servicing took prohibited foreclosure 

actions against borrowers requesting 

mortgage assistance, failed to offer 

borrowers mortgage assistance options 

available to them, and overcharged for 

private mortgage insurance. In addition 

to the civil money penalty, the CFPB’s 

order requires Fay Servicing to pay 

consumer redress of $3 million and to 

invest $2 million to update its servicing 

technology and compliance 

management systems. The order also 

puts compensation limits on Edward 

Fay, the company’s Chairman of the 

Board and Chief Executive Officer, if 

Mr. Fay does not take actions necessary 

to ensure compliance with the order. 

4.1.4 Fifth Third Bank 

On July 9, 2024, the CFPB took action 

against repeat offender Fifth Third Bank 

for a range of illegal activities that will 

result in the bank paying $20 million in 

penalties in addition to paying redress 

to approximately 35,000 harmed 

consumers, including about 1,000 who 

had their cars repossessed.26

Specifically, the CFPB has ordered Fifth 

Third Bank to pay a $5 million penalty 

for forcing vehicle insurance onto 

borrowers who had coverage. The CFPB 

also filed a proposed court order that 

would require Fifth Third Bank to pay 

a $15 million penalty for opening fake 

accounts in the names of its 

customers.27 The proposed court order 

bans Fifth Third Bank from setting 

employee sales goals that incentivize 

fraudulently opening accounts. 

Rohit Chopra, 

Director, Consumer Financial Protection 

Bureau. 

[FR Doc. 2024–24093 Filed 10–17–24; 8:45 am] 

BILLING CODE 4810–AM–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

[Transmittal No. 23–33] 

Arms Sales Notification 

AGENCY: Defense Security Cooperation 

Agency, Department of Defense (DoD). 

ACTION: Arms sales notice. 

SUMMARY: The DoD is publishing the 

unclassified text of an arms sales 

notification. 

FOR FURTHER INFORMATION CONTACT: 

Pamela Young at (703) 953–6092, 

pamela.a.young14.civ@mail.mil, or 

dsca.ncr.rsrcmgmt.list.cns-mbx@

mail.mil. 

SUPPLEMENTARY INFORMATION: This 

36(b)(1) arms sales notification is 

published to fulfill the requirements of 

section 155 of Public Law 104–164 

dated July 21, 1996. The following is a 

copy of a letter to the Speaker of the 

House of Representatives with attached 

Transmittal 23–33, Policy Justification, 

and Sensitivity of Technology. 

Dated: October 15, 2024. 

Aaron T. Siegel, 

Alternate OSD Federal Register Liaison 

Officer, Department of Defense. 


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83850 Federal Register / Vol. 89, No. 202 / Friday, October 18, 2024 / Notices 

Transmittal No. 23–33 

Notice of Proposed Issuance of Letter of 

Offer Pursuant to Section 36(b)(1) of the 

Arms Export Control Act, as amended 

(i) Prospective Purchaser: Government 

of Sweden 

(ii) Total Estimated Value: 

Major Defense Equipment * $530 million 

Other ................................... $75 million 

Total ................................. $605 million 

(iii) Description and Quantity or 

Quantities of Articles or Services under 

Consideration for Purchase: 

Major Defense Equipment (MDE): 

Up to two hundred fifty (250) AIM– 

120C–8 Advanced Medium Range 

Air-to-Air-Missiles (AMRAAM) 

Up to six (6) AMRAAM C–8 Guidance 

Sections 

Non-MDE: 

Also included are spare AIM–120 

control sections and containers; 

AMRAAM Test Set (ATS) telemetry kits; 

encryption devices; munitions support 

and support equipment; classified 

software delivery and support; spare 

parts, consumables, and accessories; 

repair and return support; 

transportation support; classified 

publications and technical 

documentation; studies and surveys; 

U.S. Government and contractor 

technical, engineering, and logistics 

support services; and other related 

elements of logistical and program 

support. 


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DEFENSE SECURITY COOPERATION. AGENCY 

aoo.DefaaPeAtaa-

•• ~ Honomble Kevin McCarlhy 

Speaker of the Hou.se 

U.S. House of Representatives 

H .. 209. The Capitol 

Washingto~ DC 20515 

Deir· Mr. ~er: 

wasl'ttngfQ11,PC 20301•2800 

July7,,2023 

Pursuant to the reporting requirements of Section 36(b)(l) of the Arms •• Bxport Control 

Act; s amended, we are forwarding herewith Transmittal No. 23~33, eonceming the Air Force's 

proposed Letter(s}ofOffer and Accepmo:ce to the Government of Sweden fur defense articles 

and sen1ces est:itnated to cost $605 • million. We will issue a ile\\-s·te1ease to notify· the public of 

this proposed sale upon delivery of this letter toy our office. 

Enclosures: 

l. . Transmittal 

2 Polley Jwmficatioii .... 3. • Sensitivity of Technology· 

Sincerely, 

·~·.o.-~. ,;::::rmch Director 
Federal Register / Vol. 89, No. 202 / Friday, October 18, 2024 / Notices 83851 

(iv) Military Department: Air Force 

(SW–D–YAA) 

(v) Prior Related Cases, if any: None 

(vi) Sales Commission, Fee, etc., Paid, 

Offered, or Agreed to be Paid: None 

known at this time 

(vii) Sensitivity of Technology 

Contained in the Defense Article or 

Defense Services Proposed to be Sold: 

See Attached Annex 

(viii) Date Report Delivered to 

Congress: July 7, 2023 

* As defined in Section 47(6) of the 

Arms Export Control Act. 

POLICY JUSTIFICATION 

Government of Sweden—AIM–120C–8 

Advanced Medium-Range Air-to-Air 

Missile (AMRAAM) 

The Government of Sweden has 

requested to buy up to two hundred fifty 

(250) AIM–120C–8 Advanced Medium 

Range Air-to-Air Missiles (AMRAAM); 

and up to six (6) AMRAAM C–8 

Guidance Sections. Also included are 

spare AIM–120 control sections and 

containers; AMRAAM Test Set (ATS) 

telemetry kits; encryption devices; 

munitions support and support 

equipment; classified software delivery 

and support; spare parts, consumables, 

and accessories; repair and return 

support; transportation support; 

classified publications and technical 

documentation; studies and surveys; 

U.S. Government and contractor 

technical, engineering and logistics 

support services; and other related 

elements of logistical and program 

support. The estimated total cost is $605 

million. 

This proposed sale will support the 

foreign policy goals and national 

security objectives of the United States 

by improving the security of a partner 

country that is a force for political 

stability and economic progress in 

Europe. 

The proposed sale will improve 

Sweden’s capability to meet and deter 

current and future threats in the region 

by ensuring Sweden has modern, 

capable air-to-air munitions. This sale 

will further advance the already high 

level of Swedish Air Force 

interoperability with U.S. joint forces 

and other regional and NATO forces. 

Sweden will have no difficulty 

absorbing these articles and services 

into its armed forces. 

The proposed sale of this equipment 

and support will not alter the basic 

military balance in the region. 

The principal contractor will be 

Raytheon Missiles and Defense, Tucson, 

AZ. There are no known offset 

agreements proposed in connection 

with this potential sale. 

Implementation of this proposed sale 

will not require the assignment of any 

additional U.S. Government or 

contractor representatives to Sweden. 

There will be no adverse impact on 

U.S. defense readiness as a result of this 

proposed sale. 

Transmittal No. 23–33 

Notice of Proposed Issuance of Letter of 

Offer Pursuant to Section 36(b)(1) of the 

Arms Export Control Act 

Annex 

Item No. vii 

(vii) Sensitivity of Technology: 

1. The AIM–120C–8 Advanced 

Medium Range Air-to-Air Missile 

(AMRAAM) is a supersonic, air 

launched, aerial intercept guided 

missile featuring digital technology and 

micro-miniature solid-state electronics. 

AMRAAM capabilities include lookdown/shoot-down, multiple launches 

against multiple targets, resistance to 

electronic countermeasures, and 

interception of high-and low-flying and 

maneuvering targets. This potential sale 

will include AMRAAM guidance 

section and control section spares as 

well as telemetry test kits. 

2. The highest level of classification of 

defense articles, components, and 

services included in this potential sale 

is SECRET. 

3. If a technologically advanced 

adversary were to obtain knowledge of 

the specific hardware and software 

elements, the information could be used 

to develop countermeasures that might 

reduce weapon system effectiveness or 

be used in the development of a system 

with similar or advanced capabilities. 

4. A determination has been made 

that Sweden can provide substantially 

the same degree of protection for the 

sensitive technology being released as 

the U.S. Government. This sale is 

necessary in furtherance of the U.S. 

foreign policy and national security 

objectives outlined in the Policy 

Justification. 

5. All defense articles and services 

listed in this transmittal have been 

authorized for release and export to the 

Government of Sweden. 

[FR Doc. 2024–24121 Filed 10–17–24; 8:45 am] 

BILLING CODE 6001–FR–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

[Docket ID: DoD–2024–OS–0007] 

Submission for OMB Review; 

Comment Request 

AGENCY: Office of the Under Secretary of 

Defense for Personnel and Readiness 

(OUSD(P&R)), Department of Defense 

(DoD). 

ACTION: 30-Day information collection 

notice. 

SUMMARY: The DoD has submitted to the 

Office of Management and Budget 

(OMB) for clearance the following 

proposal for collection of information 

under the provisions of the Paperwork 

Reduction Act. 

DATES: Consideration will be given to all 

comments received by November 18, 

2024. 

ADDRESSES: Written comments and 

recommendations for the proposed 

information collection should be sent 

within 30 days of publication of this 

notice to www.reginfo.gov/public/do/ 

PRAMain. Find this particular 

information collection by selecting 

‘‘Currently under 30-day Review—Open 

for Public Comments’’ or by using the 

search function. 

FOR FURTHER INFORMATION CONTACT: 

Reginald Lucas, (571) 372–7574, 

whs.mc-alex.esd.mbx.dd-dodinformation-collections@mail.mil. 

SUPPLEMENTARY INFORMATION: 

Title; Associated Form; and OMB 

Number: Climate Literacy Pulse Check; 

OMB Control Number 0704–CLPC. 

Type of Request: New. 

Number of Respondents: 12,000. 

Responses per Respondent: 1. 

Annual Responses: 12,000. 

Average Burden per Response: 10 

minutes. 

Annual Burden Hours: 2,000. 

Needs and Uses: Climate change is 

one of many threat multipliers to 

national security, which adds 

complexity to Department of Defense 

(DoD) decisions. It is a priority of the 

DoD to ensure that support to the 

department’s missions takes climate 

considerations into account, especially 

how the adverse impacts of a changing 

climate can complicate and impede DoD 

missions. This pulse check is intended 

for DoD personnel who provide various 

aspects of support to the warfighter— 

whether in OSD, Defense Agencies, the 

Joint Staff, combatant commands, and 

the Services—to understand how 

climate change affects their work and 

what education, training, and resources 

they require to continue executing their 


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