17430 Federal Register / Vol. 80, No. 62 / Wednesday, April 1, 2015 / Notices 

5. Aggregation of National Endangered 

Species Act (ESA) data by the 

FIFRA Endangered Species Task 

Force. 

6. States use of EPA developed 

benchmarks for pesticides in water. 

7. State managed pollinator protection 

plan measures. 

8. Endocrine Disruptor Screening 

Program. 

9. Design for the Environment (DfE) 

survey results. 

10. Oregon neonicotinoid ban. 

11. Drift Reduction Technology (DRT) 

Program and the Spray Drift PR 

Notice. 

12. Respirator label language in the label 

review manual. 

III. How can I request to participate in 

this meeting? 

This meeting is open for the public to 

attend. You may attend the meeting 

without further notification. 

Authority: 7 U.S.C. 136 et seq. 

Dated: March 25, 2015. 

Patricia L. Parrott, 

Acting Director, Field and External Affairs 

Division, Office of Pesticide Protection. 

[FR Doc. 2015–07494 Filed 3–31–15; 8:45 am] 

BILLING CODE 6560–50–P 

ENVIRONMENTAL PROTECTION 

AGENCY 

[FRL–9925–68–OAR] 

Clean Air Act Advisory Committee 

(CAAAC): Notice of Meeting 

AGENCY: Environmental Protection 

Agency (EPA). 

ACTION: Notice of meeting. 

SUMMARY: The Environmental Protection 

Agency (EPA) announces upcoming 

public meetings of the Clean Air Act 

Advisory Committee (CAAAC). The 

EPA established the CAAAC on 

November 19, 1990, to provide 

independent advice and counsel to EPA 

on policy issues associated with 

implementation of the Clean Air Act of 

1990. The Committee advises on 

economic, environmental, technical, 

scientific and enforcement policy 

issues. 

Dates & Addresses: Pursuant to 5 

U.S.C. App. 2 Section 10(a) (2), notice 

is hereby given that the CAAAC will 

hold its next face-to-face meeting on 

April 22, 2015, tentatively from 8:30 

a.m. to 4:00 p.m. at the Crowne Plaza 

Washington National Airport hotel, 

1480 Crystal Drive, Arlington, VA 

22202. 

Inspection of Committee Documents: 

The committee agenda, confirmed times 

for the meetings, and any documents 

prepared for these meetings will be 

publicly available on the CAAAC Web 

site at http://www.epa.gov/oar/caaac/ 

prior to the meeting. Thereafter, these 

documents, together with CAAAC 

meeting minutes, will also be available 

on the CAAAC Web site or by 

contacting the Office of Air and 

Radiation Docket and requesting 

information under docket EPA–HQ– 

OAR–2004–0075. The docket office can 

be reached by email at: a-and-r-Docket@

epa.gov or FAX: 202–566–9744. 

FOR FURTHER INFORMATION CONTACT: For 

more information about the CAAAC, 

please contact Jim Ketcham-Colwill, 

Interim Designated Federal Officer 

(DFO), Office of Air and Radiation, U.S. 

EPA by email at ketcham-colwill.jim@

epa.gov or by telephone at (202) 564– 

1676. Additional information about this 

meeting, CAAAC, and its 

subcommittees can be found on the 

CAAAC Web site: http://www.epa.gov/

oar/caaac/. 

For information on access or services 

for individuals with disabilities, please 

contact Lorraine Reddick at (202) 564– 

1293 or reddick.lorraine@epa.gov, 

preferably at least 10 days prior to the 

meeting to give EPA as much time as 

possible to process your request. 

Dated: March 25, 2015. 

Jim Ketcham-Colwill, 

Interim Designated Federal Officer, Clean Air 

Act Advisory Committee, Office of Air and 

Radiation. 

[FR Doc. 2015–07491 Filed 3–31–15; 8:45 am] 

BILLING CODE 6560–50–P 

FEDERAL RESERVE SYSTEM 

Change in Bank Control Notices; 

Acquisitions of Shares of a Bank or 

Bank Holding Company 

The notificants listed below have 

applied under the Change in Bank 

Control Act (12 U.S.C. 1817(j)) and 

§ 225.41 of the Board’s Regulation Y (12 

CFR 225.41) to acquire shares of a bank 

or bank holding company. The factors 

that are considered in acting on the 

notices are set forth in paragraph 7 of 

the Act (12 U.S.C. 1817(j)(7)). 

The notices are available for 

immediate inspection at the Federal 

Reserve Bank indicated. The notices 

also will be available for inspection at 

the offices of the Board of Governors. 

Interested persons may express their 

views in writing to the Reserve Bank 

indicated for that notice or to the offices 

of the Board of Governors. Comments 

must be received not later than April 16, 

2015. 

A. Federal Reserve Bank of 

Minneapolis (Jacquelyn K. Brunmeier, 

Assistant Vice President) 90 Hennepin 

Avenue, Minneapolis, Minnesota 

55480–0291: 

1. Joel Sanders, Oakland, California, 

and James N. Sanders, Plymouth, 

Minnesota, as trustees of the Joel 

Sanders GRAT dated December 1, 2014, 

Oakland, California (GRAT); Sheva 

Sanders, Minneapolis, Minnesota, as a 

voting member of Rifkind Sanders, LLC, 

Minneapolis, Minnesota (LLC); Miriam 

Sanders, Minneapolis, Minnesota, as 

trustee of the Disclaimer Trust, 

Minneapolis, Minnesota (Disclaimer 

Trust); and Jerel Shapiro and Judith 

Shapiro, both of Minneapolis, 

Minnesota, as trustees of both the Judith 

T. Shapiro GST Trust, Minneapolis, 

Minnesota (JTS Trust), and the Jonathan 

J. Tychman Non-Exempt Trust, 

Minneapolis, Minnesota (JJT Trust), for 

retroactive permission for the GRAT, 

LLC, Disclaimer Trust, JTS Trust, and 

JJT Trust to join the Tychman/Sanders 

group, which controls 25 percent or 

more of The Tysan Corporation, 

Minneapolis, Minnesota, and thereby 

indirectly gain control of Lake 

Community Bank, Long Lake, 

Minnesota, and Pine Country Bank, 

Little Falls, Minnesota. 

In addition, Jerel Shapiro and Judith 

Shapiro individually, and as trustees, of 

several Tychman/Sanders Group Trusts, 

to retain 25 percent or more of the 

shares of The Tysan Corporation, 

Minneapolis, Minnesota. 

Board of Governors of the Federal Reserve 

System, March 27, 2015. 

Michael J. Lewandowski, 

Assistant Secretary of the Board. 

[FR Doc. 2015–07445 Filed 3–31–15; 8:45 am] 

BILLING CODE 6210–01–P 

FEDERAL TRADE COMMISSION 

[File No. 132 3285] 

National Payment Network, Inc.; 

Proposed Consent Order To Aid Public 

Comment 

AGENCY: Federal Trade Commission. 

ACTION: Proposed Consent Agreement. 

SUMMARY: The consent agreement in this 

matter settles alleged violations of 

federal law prohibiting unfair or 

deceptive acts or practices. The attached 

Analysis to Aid Public Comment 

describes both the allegations in the 

draft complaint and the terms of the 

consent order—embodied in the consent 

agreement—that would settle these 

allegations. 

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Federal Register / Vol. 80, No. 62 / Wednesday, April 1, 2015 / Notices 17431 

1 In particular, the written request for confidential 

treatment that accompanies the comment must 

include the factual and legal basis for the request, 

and must identify the specific portions of the 

comment to be withheld from the public record. See 

FTC Rule 4.9(c), 16 CFR 4.9(c). 

DATES: Comments must be received on 

or before April 27, 2015. 

ADDRESSES: Interested parties may file a 

comment at https://ftcpublic.comment

works.com/ftc/natpaynetconsent online 

or on paper, by following the 

instructions in the Request for Comment 

part of the SUPPLEMENTARY INFORMATION

section below. Write ‘‘National Payment 

Network, Inc.—Consent Agreement; File 

No. 132 3285’’ on your comment and 

file your comment online at https://

ftcpublic.commentworks.com/ftc/

natpaynetconsent by following the 

instructions on the web-based form. If 

you prefer to file your comment on 

paper, write ‘‘National Payment 

Network, Inc.—Consent Agreement; File 

No. 132 3285’’ 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 D), 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 D), 

Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: 

Daniel Dwyer, Bureau of Consumer 

Protection, (202) 326–2957, 600 

Pennsylvania Avenue NW., Washington, 

DC 20580. 

SUPPLEMENTARY INFORMATION: Pursuant 

to section 6(f) of the Federal Trade 

Commission Act, 15 U.S.C. 46(f), and 

FTC Rule 2.34, 16 CFR 2.34, notice is 

hereby given that the above-captioned 

consent agreement containing consent 

order to cease and desist, having been 

filed with and accepted, subject to final 

approval, by the Commission, has been 

placed on the public record for a period 

of thirty (30) days. The following 

Analysis to Aid Public Comment 

describes the terms of the consent 

agreement, and the allegations in the 

complaint. An electronic copy of the 

full text of the consent agreement 

package can be obtained from the FTC 

Home Page (for March 26, 2015), on the 

World Wide Web at: http://www.ftc.gov/ 

os/actions.shtm. 

You can file a comment online or on 

paper. For the Commission to consider 

your comment, we must receive it on or 

before April 27, 2015. Write ‘‘National 

Payment Network, Inc.—Consent 

Agreement; File No. 132 3285’’ on your 

comment. Your comment—including 

your name and your state—will be 

placed on the public record of this 

proceeding, including, to the extent 

practicable, on the public Commission 

Web site, at http://www.ftc.gov/os/

publiccomments.shtm. As a matter of 

discretion, the Commission tries to 

remove individuals’ home contact 

information from comments before 

placing them on the Commission Web 

site. 

Because your comment will be made 

public, you are solely responsible for 

making sure that your comment does 

not include any sensitive personal 

information, like anyone’s Social 

Security number, date of birth, driver’s 

license number or other state 

identification number or foreign country 

equivalent, passport number, financial 

account number, or credit or debit card 

number. You are also solely responsible 

for making sure that your comment does 

not include any sensitive health 

information, like medical records or 

other individually identifiable health 

information. In addition, do not include 

any ‘‘[t]rade secret or any commercial or 

financial information which . . . is 

privileged or confidential,’’ as discussed 

in section 6(f) of the FTC Act, 15 U.S.C. 

46(f), and FTC Rule 4.10(a)(2), 16 CFR 

4.10(a)(2). In particular, do not include 

competitively sensitive information 

such as costs, sales statistics, 

inventories, formulas, patterns, devices, 

manufacturing processes, or customer 

names. 

If you want the Commission to give 

your comment confidential treatment, 

you must file it in paper form, with a 

request for confidential treatment, and 

you have to follow the procedure 

explained in FTC Rule 4.9(c), 16 CFR 

4.9(c).1 Your comment will be kept 

confidential only if the FTC General 

Counsel, in his or her sole discretion, 

grants your request in accordance with 

the law and the public interest. 

Postal mail addressed to the 

Commission is subject to delay due to 

heightened security screening. As a 

result, we encourage you to submit your 

comments online. To make sure that the 

Commission considers your online 

comment, you must file it at https://

ftcpublic.commentworks.com/ftc/

natpaynetconsent by following the 

instructions on the web-based form. If 

this Notice appears at http://

www.regulations.gov/#!home, you also 

may file a comment through that Web 

site. 

If you file your comment on paper, 

write ‘‘National Payment Network, 

Inc.—Consent Agreement; File No. 132 

3285’’ 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 D), 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 D), 

Washington, DC 20024. If possible, 

submit your paper comment to the 

Commission by courier or overnight 

service. 

Visit the Commission Web site at 

http://www.ftc.gov to read this Notice 

and the news release describing it. The 

FTC Act and other laws that the 

Commission administers permit the 

collection of public comments to 

consider and use in this proceeding as 

appropriate. The Commission will 

consider all timely and responsive 

public comments that it receives on or 

before April 27, 2015. You can find 

more information, including routine 

uses permitted by the Privacy Act, in 

the Commission’s privacy policy, at 

http://www.ftc.gov/ftc/privacy.htm. 

Analysis of Proposed Consent Order To 

Aid Public Comment 

The Federal Trade Commission 

(‘‘FTC’’) has accepted, subject to final 

approval, an agreement containing a 

consent order from National Payment 

Network, Inc., also known as NPN, Inc. 

The proposed consent order has been 

placed on the public record for thirty 

(30) days for receipt of comments by 

interested persons. Comments received 

during this period will become part of 

the public record. After thirty (30) days, 

the FTC will again review the agreement 

and the comments received, and will 

decide whether it should withdraw from 

the agreement and take appropriate 

action or make final the agreement’s 

proposed order. 

The respondent is a company that 

offers an auto payment program to 

consumers financing a motor vehicle. 

The matter involves its advertising of 

the auto payment program to 

consumers. According to the FTC 

complaint, respondent has represented 

that consumers who enroll in its 

biweekly payment program in order to 

pay off their auto-financing contract will 

save money, often including a specific 

amount of savings in interest. 

Respondent failed to disclose, however, 

that it charged fees that in many cases 

offset any savings under the program, 

and also failed to disclose the total 

amount of these fees. These facts would 

be material to consumers in their 

decision to enroll in respondent’s 

biweekly payment program. The 

complaint alleges therefore that 

respondent’s failure to disclose the 

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17432 Federal Register / Vol. 80, No. 62 / Wednesday, April 1, 2015 / Notices 

above-mentioned facts is a deceptive 

practice in violation of section 5 of the 

FTC Act. 

The proposed order is designed to 

prevent respondent from engaging in 

similar deceptive practices in the future. 

Section I prohibits respondent from 

representing that a payment program or 

add-on product or service will save 

consumers money, including interest, 

unless the amount of savings is greater 

than the total amount of fees associated 

with the product or service or any 

qualifying information is clearly and 

conspicuously disclosed. Section I also 

prohibits respondent from representing 

that a payment program or add-on 

product or service will save any 

consumer a specific amount of money, 

including interest, unless the specified 

amount is the amount of savings after 

deducting any fees or any qualifying 

information relating to savings is clearly 

and conspicuously disclosed. 

Section II of the proposed order 

prohibits respondent from making 

misrepresentations related to any 

payment programs, including regarding 

the existence, amount, timing, or 

manner of any fees, the program’s 

benefits, performance, or efficacy, or the 

ability of any payment program to affect 

consumer credit. 

Section III of the proposed order 

prohibits respondent from making 

misrepresentations related to any addon products or services, including 

regarding the total costs of the add-on 

and the benefits, performance, or 

efficacy of the add-on, any restrictions 

or conditions associated with the addon, the nature or terms of any refund, 

cancellation, or exchange of an add-on 

and that any add-on product can 

improve, repair or otherwise affect a 

consumer’s credit. 

Section IV requires respondent to 

substantiate any representations about 

the benefits, performance or efficacy of 

any add-on product or service or any 

payment program. 

Section V prohibits respondent from 

collecting cancellation fees from 

consumers who have finished paying off 

their financing contract through NPN’s 

Plan. 

Section VI of the proposed order 

requires respondent to pay consumers 

two million four hundred and seventyfive thousand dollars ($2,475,000.00) in 

monetary relief. The proposed order 

permits respondent to pay the monetary 

relief amount by: (1) Refunding 

customers a total of $1,526,000.00 

within thirty days of service of the 

order; (2) waiving an additional 

$949,000.00 in fees for current 

customers. If respondent is unable to 

provide refunds or fee waivers in the 

stated amount, it must remit the balance 

to the Commission. 

Section VII of the proposed order 

requires respondent to keep copies of 

relevant advertisements and materials 

substantiating claims made in the 

advertisements. Section VIII requires 

that respondent provide copies of the 

order to certain of its personnel. Section 

IX requires notification of the 

Commission regarding changes in 

corporate structure that might affect 

compliance obligations under the order. 

Section X requires the respondent to file 

compliance reports with the 

Commission. Finally, section XI is a 

provision ‘‘sunsetting’’ the order after 

twenty (20) years, with certain 

exceptions. 

The purpose of this analysis is to aid 

public comment on the proposed order. 

It is not intended to constitute an 

official interpretation of the complaint 

or proposed order, or to modify in any 

way the proposed order’s terms. 

By direction of the Commission. 

Donald S. Clark, 

Secretary. 

[FR Doc. 2015–07406 Filed 3–31–15; 8:45 am] 

BILLING CODE 6750–01–P 

FEDERAL TRADE COMMISSION 

[File No. 132 3285] 

Matt Blatt Inc. and Glassboro Imports, 

LLC; Proposed Consent Order To Aid 

Public Comment 

AGENCY: Federal Trade Commission. 

ACTION: Proposed Consent Agreement. 

SUMMARY: The consent agreement in this 

matter settles alleged violations of 

federal law prohibiting unfair or 

deceptive acts or practices. The attached 

Analysis to Aid Public Comment 

describes both the allegations in the 

draft complaint and the terms of the 

consent order—embodied in the consent 

agreement—that would settle these 

allegations. 

DATES: Comments must be received on 

or before April 27, 2015. 

ADDRESSES: Interested parties may file a 

comment at http://

ftcpublic.commentworks.com/ftc/

mattblattconsent online or on paper, by 

following the instructions in the 

Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Write ‘‘Matt Blatt Inc. and 

Glassboro Imports, LLC Consent 

Agreement; File No. 1323285’’ on your 

comment and file your comment online 

at http://ftcpublic.commentworks.com/

ftc/mattblattconsent by following the 

instructions on the web-based form. If 

you prefer to file your comment on 

paper, write ‘‘Matt Blatt Inc. and 

Glassboro Imports, LLC Consent 

Agreement; File No. 1323285’’ 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 D), 

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 D), Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: 

Daniel Dwyer, Bureau of Consumer 

Protection, (202) 326–2957, 600 

Pennsylvania Avenue NW., Washington, 

DC 20580. 

SUPPLEMENTARY INFORMATION: Pursuant 

to Section 6(f) of the Federal Trade 

Commission Act, 15 U.S.C. 46(f), and 

FTC Rule 2.34, 16 CFR 2.34, notice is 

hereby given that the above-captioned 

consent agreement containing consent 

order to cease and desist, having been 

filed with and accepted, subject to final 

approval, by the Commission, has been 

placed on the public record for a period 

of thirty (30) days. The following 

Analysis to Aid Public Comment 

describes the terms of the consent 

agreement, and the allegations in the 

complaint. An electronic copy of the 

full text of the consent agreement 

package can be obtained from the FTC 

Home Page (for March 26, 2015), on the 

World Wide Web at: http://www.ftc.gov/ 

os/actions.shtm. 

You can file a comment online or on 

paper. For the Commission to consider 

your comment, we must receive it on or 

before April 27, 2015. Write ‘‘Matt Blatt 

Inc. and Glassboro Imports, LLC 

Consent Agreement; File No. 1323285’’ 

on your comment. Your comment— 

including your name and your state— 

will be placed on the public record of 

this proceeding, including, to the extent 

practicable, on the public Commission 

Web site, at http://www.ftc.gov/os/

publiccomments.shtm. As a matter of 

discretion, the Commission tries to 

remove individuals’ home contact 

information from comments before 

placing them on the Commission Web 

site. 

Because your comment will be made 

public, you are solely responsible for 

making sure that your comment does 

not include any sensitive personal 

information, like anyone’s Social 

Security number, date of birth, driver’s 

license number or other state 

identification number or foreign country 

equivalent, passport number, financial 

account number, or credit or debit card 

mstockstill on DSK4VPTVN1PROD with NOTICES