5532 Federal Register / Vol. 80, No. 21 / Monday, February 2, 2015 / Notices 

the Federal Reserve System (Board) 

under OMB delegated authority, as per 

5 CFR 1320.16 (OMB Regulations on 

Controlling Paperwork Burdens on the 

Public). Board-approved collections of 

information are incorporated into the 

official OMB inventory of currently 

approved collections of information. 

Copies of the Paperwork Reduction Act 

Submission, supporting statements and 

approved collection of information 

instrument(s) are placed into OMB’s 

public docket files. The Federal Reserve 

may not conduct or sponsor, and the 

respondent is not required to respond 

to, an information collection that has 

been extended, revised, or implemented 

on or after October 1, 1995, unless it 

displays a currently valid OMB control 

number. 

FOR FURTHER INFORMATION CONTACT: 

Federal Reserve Board Acting Clearance 

Officer —John Schmidt— Office of the 

Chief Data Officer, Board of Governors 

of the Federal Reserve System, 

Washington, DC 20551, (202) 452–3829. 

Telecommunications Device for the Deaf 

(TDD) users may contact (202) 263– 

4869, Board of Governors of the Federal 

Reserve System, Washington, DC 20551. 

OMB Desk Officer—Shagufta Ahmed 

—Office of Information and Regulatory 

Affairs, Office of Management and 

Budget, New Executive Office Building, 

Room 10235, 725 17th Street 

NW.,Washington, DC 20503. 

Final Approval Under OMB Delegated 

Authority To Pretest and Execute the 

Following Information Collection 

Report title: 2016 Survey of Consumer 

Finances (SCF). 

Agency form number: FR 3059. 

OMB Control number: 7100–0287. 

Frequency: One-time survey. 

Reporters: U.S. families. 

Estimated annual reporting hours: 

Pretest: 188 hours and Main survey: 

8,750 hours. 

Estimated average hours per response: 

Pretest, 75 minutes; and Main survey, 

75 minutes. 

Number of respondents: Pretest, 150; 

and Main survey, 7,000. 

General description of report: This 

information collection is voluntary (12 

U.S.C. 225a. and 263). The information 

collected on the FR 3059 is exempt from 

disclosure in identifiable form under the 

Confidential Information Protection and 

Statistical Efficiency Act (CIPSEA) and 

section (b)(3) of the Freedom of 

Information Act. (44 U.S.C. 3501, note, 

and 5 U.S.C. 552(b)(3)). 

Abstract: This would be the twelfth 

triennial SCF since 1983, the beginning 

of the current series. This survey is the 

only source of representative 

information on the structure of U.S. 

families’ finances. The survey would 

collect data on the assets, debts, income, 

work history, pension rights, use of 

financial services, and attitudes of a 

sample of U.S. families. Because the 

ownership of some assets is relatively 

concentrated in a small number of 

families, the survey would make a 

special effort to ensure proper 

representation of such assets by 

systematically oversampling wealthier 

families. 

Current Actions: On October 29, 2014, 

the Federal Reserve published a notice 

in the Federal Register (79 FR 64388) 

requesting public comment for 60 days 

regarding the pretest and execution of 

the 2016 Survey of Consumer Finances 

(SCF). The comment period for this 

notice expired on December 29, 2014. 

The Federal Reserve did not receive any 

comments. The survey will be 

conducted as proposed. 

Final Approval Under OMB Delegated 

Authority of the Extension for Three 

Years, Without Revision, of the 

Following Information Collection 

Report title: The Recordkeeping and 

Disclosure Requirements Associated 

with the Guidance on Response 

Programs for Unauthorized Access to 

Customer Information. 

Agency form number: FR 4100. 

OMB control number: 7100–0309. 

Frequency: Develop customer notice, 

one-time; Incident notification, eventgenerated. 

Reporters: Financial institutions. 

Estimated annual reporting hours: 

Develop response program, 456 hours; 

Incident notification, 5,436 hours. 

Estimated average hours per response: 

Develop response program, 24 hours; 

Incident notification, 36 hours. 

Number of respondents: Develop 

response program, 19; Incident 

notification, 151. 

General description of report: This 

information collection is mandatory (15 

U.S.C. 6801(b)). Since the Federal 

Reserve does not collect information 

associated with the FR 4100, any issue 

of confidentiality would not generally 

be an issue. However, confidentiality 

may arise if the Federal Reserve were to 

obtain a copy of a customer notice 

during the course of an examination or 

were to receive a copy of a Suspicious 

Activity Report (SAR; FR 2230; OMB 

No. 7100–0212). In such cases the 

information would be exempt from 

disclosure to the public under the 

Freedom of Information Act (5 U.S.C 

552(b)(3), (4), and (8)). Also, a federal 

employee is prohibited by law from 

disclosing a SAR or the existence of a 

SAR (31 U.S.C. 5318(g)). 

Abstract: The FR 4100 is the 

information collection associated with 

the Interagency Guidance on Response 

Programs for Unauthorized Access to 

Customer Information and Customer 

Notice (security guidelines), which was 

published in the Federal Register in 

March 2005 (70 FR 15736). Trends in 

customer information theft and the 

accompanying misuse of that 

information led to the issuance of these 

security guidelines applicable to 

financial institutions. The security 

guidelines are designed to facilitate 

timely and relevant notification to 

affected customers and the appropriate 

regulatory authority of the financial 

institutions. The security guidelines 

provide specific direction regarding the 

development of response programs and 

customer notifications. 

Current Actions: On October 29, 2014, 

the Federal Reserve published a notice 

in the Federal Register (79 FR 64388) 

requesting public comment for 60 days 

on the extension, without revision, of 

the Recordkeeping and Disclosure 

Requirements Associated with the 

Guidance on Response Programs for 

Unauthorized Access to Customer 

Information. The comment period for 

this notice expired on December 29, 

2014. The Federal Reserve did not 

receive any comments. The information 

collection will be extended as proposed. 

Board of Governors of the Federal Reserve 

System, January 28, 2015. 

Robert deV. Frierson, 

Secretary of the Board. 

[FR Doc. 2015–01887 Filed 1–30–15; 8:45 am] 

BILLING CODE 6210–01–P 

FEDERAL RESERVE SYSTEM 

Formations of, Acquisitions by, and 

Mergers of Bank Holding Companies 

The companies listed in this notice 

have applied to the Board for approval, 

pursuant to the Bank Holding Company 

Act of 1956 (12 U.S.C. 1841 et seq.) 

(BHC Act), Regulation Y (12 CFR Part 

225), and all other applicable statutes 

and regulations to become a bank 

holding company and/or to acquire the 

assets or the ownership of, control of, or 

the power to vote shares of a bank or 

bank holding company and all of the 

banks and nonbanking companies 

owned by the bank holding company, 

including the companies listed below. 

The applications listed below, as well 

as other related filings required by the 

Board, are available for immediate 

inspection at the Federal Reserve Bank 

indicated. The applications will also be 

available for inspection at the offices of 

the Board of Governors. Interested 

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Federal Register / Vol. 80, No. 21 / Monday, February 2, 2015 / Notices 5533 

1The first workshop in the Examining Health 

Care Competition series was held on March 20–21, 

2014, and examined issues concerning occupational 

regulation, interstate licensure and telehealth, 

health information technology, and price and 

quality transparency. See http://www.ftc.gov/newsevents/events-calendar/2014/03/examining-healthcare-competition. 

persons may express their views in 

writing on the standards enumerated in 

the BHC Act (12 U.S.C. 1842(c)). If the 

proposal also involves the acquisition of 

a nonbanking company, the review also 

includes whether the acquisition of the 

nonbanking company complies with the 

standards in section 4 of the BHC Act 

(12 U.S.C. 1843). Unless otherwise 

noted, nonbanking activities will be 

conducted throughout the United States. 

Unless otherwise noted, comments 

regarding each of these applications 

must be received at the Reserve Bank 

indicated or the offices of the Board of 

Governors not later than February 26, 

2015. 

A. Federal Reserve Bank of Dallas (E. 

Ann Worthy, Vice President) 2200 

North Pearl Street, Dallas, Texas 75201– 

2272: 

1. Guaranty Bancshares, Inc., Mount 

Pleasant, Texas; to acquire 100 percent 

of the voting shares of DCB Financial 

Corp., and thereby indirectly acquire 

voting shares of Preston State Bank, 

both in Dallas, Texas. 

Board of Governors of the Federal Reserve 

System, January 28, 2015. 

Michael J. Lewandowski, 

Associate Secretary of the Board. 

[FR Doc. 2015–01902 Filed 1–30–15; 8:45 am] 

BILLING CODE 6210–01–P 

FEDERAL RESERVE SYSTEM 

Notice of Proposals To Engage in or 

To Acquire Companies Engaged in 

Permissible Nonbanking Activities 

The companies listed in this notice 

have given notice under section 4 of the 

Bank Holding Company Act (12 U.S.C. 

1843) (BHC Act) and Regulation Y, (12 

CFR part 225) to engage de novo, or to 

acquire or control voting securities or 

assets of a company, including the 

companies listed below, that engages 

either directly or through a subsidiary or 

other company, in a nonbanking activity 

that is listed in § 225.28 of Regulation Y 

(12 CFR 225.28) or that the Board has 

determined by Order to be closely 

related to banking and permissible for 

bank holding companies. Unless 

otherwise noted, these activities will be 

conducted throughout the United States. 

Each notice is available for inspection 

at the Federal Reserve Bank indicated. 

The notice also will be available for 

inspection at the offices of the Board of 

Governors. Interested persons may 

express their views in writing on the 

question whether the proposal complies 

with the standards of section 4 of the 

BHC Act. 

Unless otherwise noted, comments 

regarding the applications must be 

received at the Reserve Bank indicated 

or the offices of the Board of Governors 

not later than February 26, 2015. 

A. Federal Reserve Bank of Richmond 

(Adam M. Drimer, Assistant Vice 

President) 701 East Byrd Street, 

Richmond, Virginia 23261–4528: 

1. Live Oak Bancshares, Inc., 

Wilmington, North Carolina; to acquire 

100 percent of the voting shares 

Independence Trust Company, Franklin, 

Tennessee, a limited purpose savings 

association, through the merger of its 

parent company, Independence Holding 

Corporation, Franklin, Tennessee, and 

thereby engage in operating a savings 

association, and providing trust 

company and financial advisory 

services, pursuant to sections 

225.28(b)(4)(ii), (b)(5), and (b)(6)(ii), 

respectively. 

Board of Governors of the Federal Reserve 

System, January 28, 2015. 

Michael J. Lewandowski, 

Associate Secretary of the Board. 

[FR Doc. 2015–01903 Filed 1–30–15; 8:45 am] 

BILLING CODE 6210–01–P 

FEDERAL TRADE COMMISSION 

Announcement of Public Workshop, 

‘‘Examining Health Care Competition’’ 

AGENCY: Federal Trade Commission. 

ACTION: Notice of public workshop and 

opportunity for comment. 

SUMMARY: The Federal Trade 

Commission (‘‘FTC’’ or ‘‘Commission’’) 

will hold a second public workshop on 

February 24–25, 2015, as part of the 

workshop series, ‘‘Examining Health 

Care Competition,’’ 1 to study recent 

developments related to health care 

provider organization and payment 

models that may affect competition and 

consumer protection in the provision of 

health care services. The workshop will 

be co-hosted by the Department of 

Justice, Antitrust Division (‘‘DOJ’’). 

Specific topics for discussion may 

include: early observations regarding 

accountable care organizations; 

alternatives to traditional fee-for-service 

payment models; trends in provider 

consolidation; trends in provider 

network and benefit design strategies, as 

well as contracting practices and 

regulatory activity that may enhance or 

undermine these strategies; and early 

observations regarding health insurance 

exchanges. This notice invites public 

comments on a series of topics. The FTC 

and DOJ (the ‘‘Agencies’’) will consider 

these comments as they prepare for the 

workshop and may use them in 

subsequent reports or policy papers, if 

any. For additional information, visit 

the workshop Web site at http://www.

ftc.gov/news-events/events-calendar/

2015/02/examining-health-carecompetition or http://www.justice.gov/

atr/public/workshops/healthcare/2015/

02/index.html. 

DATES: The workshop will be held on 

February 24–25, 2015, in the 

Auditorium of the Constitution Center 

at 400 7th Street SW., Washington, DC 

20024. To be considered for the 

workshop, comments in response to this 

notice should be submitted by February 

16, 2015. In addition, any interested 

person may submit written comments in 

response to this notice and workshop 

discussions until April 30, 2015. Prior 

to the workshop, the Agencies will 

publish an agenda and additional 

information on their Web sites. 

ADDRESSES: Interested parties may file a 

comment for this workshop at https://

ftcpublic.commentworks.com/ftc/exam

healthcareworkshop online or on paper, 

by following the instructions in the 

Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Write ‘‘Health Care Workshop, 

Project No. P131207,’’ on your 

comment, and file your comment online 

at https://ftcpublic.commentworks.com/

ftc/examhealthcareworkshop by 

following the instructions on the webbased form. If you prefer to file your 

comment on paper, write ‘‘Health Care 

Workshop, Project No. P131207,’’ on 

your comment, and on the envelope, 

and mail your comment to the following 

address: Federal Trade Commission, 

Office of the Secretary, 600 

Pennsylvania Avenue NW., Suite CC– 

5610 (Annex X), Washington, DC 20580, 

or deliver your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

Constitution Center, 400 7th Street SW., 

5th Floor, Suite 5610 (Annex X), 

Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: 

Stephanie Wilkinson, Attorney Advisor, 

Office of Policy Planning, Federal Trade 

Commission, 600 Pennsylvania Avenue 

NW., Washington, DC 20580, 202–326– 

2084, examininghealthcareworkshop@

ftc.gov. For more detailed information 

about the workshop, including an 

agenda, please visit the workshop Web 

site: http://www.ftc.gov/news-events/

events-calendar/2015/02/examininghealth-care-competition or http://www.

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