3234 Federal Register / Vol. 80, No. 14 / Thursday, January 22, 2015 / Notices 

institution must adopt branch closing 

policies. The adoption of policies is a 

one-time activity, repeated only if the 

institution finds need to revise its 

policy. 

2. Title: Large-Bank Deposit Insurance 

Programs 

OMB Number: 3064–0162. 

Frequency of Response: On occasion. 

Affected Public: Insured depository 

institutions having at least $2 billion in 

domestic deposits and either at least: (i) 

250,000 deposit accounts; or (ii) $20 

million in total assets. 

Estimated Number of Respondents: 

159. 

Estimated Time per Response: 157– 

255.5 hours. 

Total Annual Burden: 25,000– 

40,624.5 hours. 

General Description of Collection: 

Insured depository institutions having 

at least $2 billion in domestic deposits 

and either: (1) More than 250,000 

deposit accounts; or (2) total assets over 

$20 billion, regardless of the number of 

deposit accounts are required to adopt 

mechanisms that, in the event of the 

institution’s failure: (1) Provide the 

FDIC with standard deposit account and 

customer information; and (2) allow the 

FDIC to place and release holds on 

liability accounts, including deposits. 

3. Title: Basel II Interagency 

Supervisory Guidance for the 

Supervisory Review Process (Pillar 2). 

OMB Number: 3064–0165. 

Frequency of Response: Eventgenerated. 

Affected Public: Insured state 

nonmember banks and certain 

subsidiaries of these entities. 

Estimated Number of Respondents: 

19. 

Estimated Time per Response: 420 

hours. 

Total Annual Burden: 7,980 hours. 

General Description of Collection: The 

agencies issued a supervisory guidance 

document for implementing the 

supervisory review process (Pillar 2). 

The guidance was issued on July 31, 

2008 (73 FR 44620). Sections 37, 41, 43, 

and 46 of the guidance impose 

information collection requirements. 

Section 37 states that banks should state 

clearly the definition of capital used in 

any aspect of its internal capital 

adequacy assessment process (ICAAP) 

and document any changes in the 

internal definition of capital. Section 41 

requires banks to maintain thorough 

documentation of ICAAP. Section 43 

specifies that boards of directors must 

approve the bank’s ICAAP, review it on 

a regular basis, and approve any 

changes. Boards of directors also are 

required under section 46 to 

periodically review the assessment of 

overall capital adequacy and to analyze 

how measures of internal capital 

adequacy compare with other capital 

measures (such as regulatory or 

accounting). 

Request for Comment 

Comments are invited on: (a) Whether 

the collection of information is 

necessary for the proper performance of 

the FDIC’s functions, including whether 

the information has practical utility; (b) 

the accuracy of the estimates of the 

burden of the information collection, 

including the validity of the 

methodology and 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 information collection on 

respondents, including through the use 

of automated collection techniques or 

other forms of information technology. 

All comments will become a matter of 

public record. 

Dated at Washington, DC, this 16th day of 

January, 2015. 

Federal Deposit Insurance Corporation. 

Robert E. Feldman, 

Executive Secretary. 

[FR Doc. 2015–00983 Filed 1–21–15; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

Agency Information Collection 

Activities: Proposed Revision of 

Information Collection; National 

Survey of Unbanked and Underbanked 

Households; Comment Request 

AGENCY: Federal Deposit Insurance 

Corporation (FDIC). 

ACTION: Notice and request for comment. 

SUMMARY: The FDIC, as part of its 

continuing effort to reduce paperwork 

and respondent burden and as required 

by the Paperwork Reduction Act of 

1995, invites the general public and 

other Federal agencies to comment on 

the survey collection instrument for its 

fourth National Survey of Unbanked 

and Underbanked Households 

(Household Survey), currently approved 

under OMB Control No. 3064–0167, 

scheduled to be conducted in 

partnership with the U.S. Census 

Bureau as a supplement to its June 2015 

Current Population Survey (CPS). The 

survey seeks to estimate the proportions 

of unbanked and underbanked 

households in the U.S. and to identify 

the factors that inhibit the participation 

of these households in the mainstream 

banking system, and opportunities to 

expand the use of banking services 

among underserved consumers. The 

results of these ongoing surveys will 

help policymakers and bankers 

understand the issues and challenges 

underserved households perceive when 

deciding how and where to conduct 

financial transactions. 

DATES: Comments must be submitted on 

or before March 23, 2015. 

ADDRESSES: Interested parties are 

invited to submit written comments by 

any of the following methods. All 

comments should refer to ‘‘National 

Survey of Unbanked and Underbanked 

Households’’: 

• http://www.FDIC.gov/regulations/

laws/federal/. 

• Email: comments@fdic.gov. Include 

the name and number of the collection 

in the subject line of the message. 

• Mail: Gary Kuiper Counsel, (202– 

898–3877), MB–3074, or John Popeo, 

Counsel, (202.898.6923), MB–3007, 

Legal Division, Federal Deposit 

Insurance Corporation, 550 17th Street 

NW., Washington, DC 20429. 

• Hand Delivery: Comments may be 

hand-delivered to the guard station at 

the rear of the 550 17th Street Building 

(located on F Street), on business days 

between 7:00 a.m. and 5:00 p.m. 

FOR FURTHER INFORMATION CONTACT: 

Interested members of the public may 

obtain a copy of the survey and related 

instructions by clicking on the link for 

the National Survey of Unbanked and 

Underbanked Households on the 

following Web page: http://

www.fdic.gov/regulations/laws/federal/. 

Interested members of the public may 

also obtain additional information about 

the collection, including a paper copy of 

the proposed collection and related 

instructions, without charge, by 

contacting Gary Kuiper or John Popeo, 

at the address or telephone number 

identified above. 

SUPPLEMENTARY INFORMATION: 

The FDIC is considering possible 

revisions to the following collection of 

information: 

Title: National Survey of Unbanked 

and Underbanked Households. 

OMB Number: 3064–0167. 

Frequency of Response: Once. 

Affected Public: U.S. Households. 

Estimated Number of Respondents: 

50,000. 

Average Time per Response: 15 

minutes (0.25 hours) per respondent. 

Estimated Total Annual Burden: 0.25 

hours × 50,000 respondents = 12,500 

hours. 

General Description of Collection 

The FDIC recognizes that public 

confidence in the banking system is 

strengthened when banks effectively 


tkelley on DSK3SPTVN1PROD with NOTICES
Federal Register / Vol. 80, No. 14 / Thursday, January 22, 2015 / Notices 3235 

serve the broadest possible set of 

consumers. As a result, the agency is 

committed to increasing the 

participation of unbanked and 

underbanked households in the 

financial mainstream by ensuring that 

all Americans have access to safe, 

secure, and affordable banking services. 

The National Survey of Unbanked and 

Underbanked Households is one 

contribution to this end. 

The National Survey of Unbanked and 

Underbanked Households is also a key 

component of the FDIC’s efforts to 

comply with a Congressional mandate 

contained in section 7 of the Federal 

Deposit Insurance Reform Conforming 

Amendments Act of 2005 (Reform Act) 

(Pub. L. 109–173), which calls for the 

FDIC to conduct ongoing surveys ‘‘on 

efforts by insured depository 

institutions to bring those individuals 

and families who have rarely, if ever, 

held a checking account, a savings 

account or other type of transaction or 

check cashing account at an insured 

depository institution (hereafter in this 

section referred to as the ‘unbanked’) 

into the conventional finance system.’’ 

Section 7 further instructs the FDIC to 

consider several factors in its conduct of 

the surveys, including: (1) ‘‘What 

cultural, language and identification 

issues as well as transaction costs 

appear to most prevent ‘unbanked’ 

individuals from establishing 

conventional accounts’’; and (2) ‘‘what 

is a fair estimate of the size and worth 

of the ‘‘unbanked’’ market in the United 

States.’’ The National Survey of 

Unbanked and Underbanked 

Households is designed to address these 

factors and provide a factual basis on 

the proportions of unbanked 

households. Such a factual basis is 

necessary to adequately assess banks’ 

efforts to serve these households as 

required by the statutory mandate. 

To obtain this information, the FDIC 

partnered with the U.S. Census Bureau, 

which administered the Household 

Survey supplement (‘‘FDIC 

Supplement’’) to households that 

participated in the January 2009, June 

2011, and June 2013 CPS. The results of 

these surveys were released to the 

public in December 2009, September 

2012, and October 2014, respectively. 

The FDIC supplement has yielded 

nationally-representative data, not 

otherwise available, on the size and 

characteristics of the population that is 

unbanked or underbanked, the use by 

this population of alternative financial 

services, and the reasons why some 

households do not make greater use of 

mainstream banking services. The 

National Survey of Unbanked and 

Underbanked Households is the only 

population-representative survey 

conducted at the national level that 

provides state-level estimates of the size 

and characteristics of unbanked and 

underbanked households for all 50 

states and the District of Columbia. An 

executive summary of the results of the 

first three Household Surveys, the full 

reports, and the survey instruments can 

be accessed through the following link: 

http://www.economicinclusion.gov/

surveys/. 

Consistent with the statutory mandate 

to conduct the surveys on an ongoing 

basis, the FDIC already has in place 

arrangements for conducting the fourth 

Household Survey as a supplement to 

the June 2015 CPS. However, prior to 

finalizing the next survey instrument, 

the FDIC seeks to solicit public 

comment on whether changes to the 

existing instrument are desirable and, if 

so, to what extent. It should be noted 

that, as a supplement of the CPS survey, 

the Household Survey needs to adhere 

to specific parameters that include 

limits in the length and sensitivity of 

the questions that can be asked of CPS 

respondents. Specifically, there is a 

strict limitation on the number of 

questions permitted and the average 

time required to complete the survey (15 

minutes on average). 

Request for Comment 

Comments are invited on: (a) Whether 

the collection of information is 

necessary for the proper performance of 

the FDIC’s functions, including whether 

the information has practical utility; (b) 

the accuracy of the estimates of the 

burden of the information collection; (c) 

ways to enhance the quality, utility, and 

clarity of the information to be 

collected; and (d) ways to minimize the 

burden of the information collection on 

respondents, including through the use 

of automated collection techniques or 

other forms of information technology. 

The FDIC will consider all comments 

to determine the extent to which the 

information collection should be 

modified prior to submission to OMB 

for review and approval. After the 

comment period closes, comments will 

be summarized and/or included in the 

FDIC’s request to OMB for approval of 

the collection. All comments will 

become a matter of public record. 

Dated at Washington, DC, this 16th day of 

January, 2015. 

Federal Deposit Insurance Corporation. 

Robert E. Feldman, 

Executive Secretary. 

[FR Doc. 2015–00982 Filed 1–21–15; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL MARITIME COMMISSION 

Notice of Agreements Filed 

The Commission hereby gives notice 

of the filing of the following agreements 

under the Shipping Act of 1984. 

Interested parties may submit comments 

on the agreements to the Secretary, 

Federal Maritime Commission, 

Washington, DC 20573, within twelve 

days of the date this notice appears in 

the Federal Register. Copies of the 

agreements are available through the 

Commission’s Web site (www.fmc.gov) 

or by contacting the Office of 

Agreements at (202) 523–5793 or 

tradeanalysis@fmc.gov. 

Agreement No.: 012064–005. 

Title: Hapag-Lloyd/NYK MexicoDominican Republic Slot Charter 

Agreement. 

Parties: Hapag-Lloyd AG and Nippon 

Yusen Kaisha. 

Filing Party: Wayne R. Rohde, Esq.; 

Cozen O’Connor; 1627 I Street, NW; 

Suite 1100; Washington, DC 20006. 

Synopsis: The amendment deletes the 

U.S. East Coast from the geographic 

scope and deletes Hapag-Lloyd’s GCS 

service from the agreement. 

Agreement No.: 012233–002. 

Title: CSCL/UASC/YMUK/CMA 

CGM/PIL Vessel Sharing and Slot 

Exchange Agreement—Asia and US/

Canada West Coast Services. 

Parties: China Shipping Container 

Lines Co., Ltd. and China Shipping 

Container Lines (Hong Kong) Co., Ltd. 

(acting as a single party); United Arab 

Shipping Company (S.A.G.); Yang Ming 

(UK) LTD.; CMA CGM S.A.; and Pacific 

International Lines (Pte) Ltd. 

Filing Party: Patricia M. O’Neill; 

Blank & Rome LLP; 600 New Hampshire 

Ave NW., Washington DC, 20037. 

Synopsis: The amendment adds two 

additional slot exchange arrangements 

in the agreement trade between China 

Shipping and Yang Ming, and between 

CMA and Yang Ming. 

Agreement No.: 012314. 

Title: COSCON/CSCL Slot Charter 

Agreement. 

Parties: COSCO Container Lines 

Company, Limited; China Shipping 

Container Lines Co., Ltd and China 

Shipping Container Lines (Hong Kong) 

Co., Ltd. (acting as a single party). 

Filing Party: Eric. C. Jeffrey, Esq.; 

Nixon Peabody LLP; 401 9th Street NW., 

Suite 900; Washington, DC 20004. 

Synopsis: The agreement authorizes 

China Shipping to charter space to 

COSCON in the trade from France, Italy, 

Morocco, and Spain, on the one hand, 

to the U.S. East Coast, on the other 

hand. 


tkelley on DSK3SPTVN1PROD with NOTICES