Federal Register / Vol. 87, No. 9 / Thursday, January 13, 2022 / Notices 2155 

RECORD ACCESS PROCEDURES: 

Individuals seeking access to 

information in this system of records 

about themselves are required to 

provide adequate identification (e.g., 

driver’s license, military identification 

card, employee badge, or identification 

card). Additional identity verification 

procedures may be required, as 

warranted. Requests must meet the 

requirements of EPA regulations that 

implement the Privacy Act of 1974, at 

40 CFR part 16. 

CONTESTING RECORDS PROCEDURES: 

Requests for correction or amendment 

must identify the record to be changed 

and the corrective action sought. 

Complete EPA Privacy Act procedures 

are described in EPA’s Privacy Act 

regulations at 40 CFR part 16. 

NOTIFICATION PROCEDURE: 

Individuals who want to know 

whether this system of records contains 

information about them should make a 

written request to the EPA, Attn: 

Agency Privacy Officer, MC 2831T, 

1200 Pennsylvania Avenue NW, 

Washington, DC 20460, privacy@

epa.gov. 

EXEMPTIONS PROMULGATED FOR THE SYSTEM: 

None. 

HISTORY: 

Federal Register Volume 67, Number 

36 (Friday, February 22, 2002). 

Vaughn Noga, 

Senior Agency Official for Privacy. 

[FR Doc. 2022–00628 Filed 1–12–22; 8:45 am] 

BILLING CODE 6560–50–P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

[OMB No. 3064–0145; –0161; –0171] 

Agency Information Collection 

Activities: Proposed Collection 

Renewal; Comment Request 

AGENCY: Federal Deposit Insurance 

Corporation (FDIC). 

ACTION: Notice and request for comment. 

SUMMARY: The FDIC, as part of its 

obligations under the Paperwork 

Reduction Act of 1995 (PRA), invites the 

general public and other Federal 

agencies to take this opportunity to 

comment on the renewal of the existing 

information collections described below 

(OMB Control No. 3064–0145; –0161 

and –0171). 

DATES: Comments must be submitted on 

or before March 14, 2022. 

ADDRESSES: Interested parties are 

invited to submit written comments to 

the FDIC by any of the following 

methods: 

• Agency Website: https://

www.fdic.gov/resources/regulations/ 

federal-register-publications/index.html. 

• Email: comments@fdic.gov. Include 

the name and number of the collection 

in the subject line of the message. 

• Mail: Manny Cabeza (202–898– 

3767), Regulatory Counsel, MB–3128, 

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 17th Street building 

(located on F Street), on business days 

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

All comments should refer to the 

relevant OMB control number. A copy 

of the comments may also be submitted 

to the OMB desk officer for the FDIC: 

Office of Information and Regulatory 

Affairs, Office of Management and 

Budget, New Executive Office Building, 

Washington, DC 20503. 

FOR FURTHER INFORMATION CONTACT: 

Manny Cabeza, Regulatory Counsel, 

202–898–3767, mcabeza@fdic.gov, MB– 

3128, Federal Deposit Insurance 

Corporation, 550 17th Street NW, 

Washington, DC 20429. 

SUPPLEMENTARY INFORMATION: 

Proposal to renew the following 

currently approved collections of 

information: 

1. Title: Notice Regarding 

Unauthorized Access to Customer 

Information. 

OMB Number: 3064–0145. 

Form Numbers: None. 

Affected Public: Insured state 

nonmember banks. 

Burden Estimate: 

SUMMARY OF ESTIMATED ANNUAL BURDEN

[OMB No. 3064–0145] 

Information collection description Type of burden 

(obligation to respond) 

Frequency of 

response 

Number of 

respondents 

Hours per 

response 

Annual burden 

(hours) 

Implementation (One Time) 

Develop Policies and Procedures for Response 

Program.

Recordkeeping (Required).1 ..................... 10 24 240 

Ongoing 

Notice Regarding Unauthorized Access to Customer Information.Third Party Disclosure 

(Required).

On occasion ... 315 36 11,340 

Total Annual Burden (Hours) ........................ ....................................... ........................ ........................ ........................ 11,580 

Source: FDIC. 

General Description of Collection: The 

Interagency Guidance on Response 

Programs for Unauthorized Access to 

Customer Information and Customer 

Notice describes the federal banking 

agencies’ expectations regarding a 

response program, including customer 

notification procedures, that a financial 

institution should develop and apply 

under the circumstances described in 

the Guidance to address unauthorized 

access to or use of customer information 

that could result in substantial harm or 

inconvenience to a customer. The 

Guidance advises financial institutions 

when and how they might: (1) Develop 

notices to customers; (2) in certain 

circumstances defined in the Guidance, 

determine which customers should 

receive the notices; and (3) send the 

notices to customers. 

There is no change in the 

methodology or substance of this 

information collection. The increase in 

total estimated annual burden from 

11,340 hours in 2019 to 11,580 hours 

currently is due to economic factors as 


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2156 Federal Register / Vol. 87, No. 9 / Thursday, January 13, 2022 / Notices 

reflected in the increase in estimated 

number of respondents. 

2. Title: Furnisher Information 

Accuracy and Integrity (FACTA 312). 

OMB Number: 3064–0161. 

Form Number: None. 

Affected Public: State nonmember 

banks. 

Burden Estimate: 

SUMMARY OF ESTIMATED ANNUAL BURDEN

[OMB No. 3064–0161] 

Information collection description Type of burden 

(obligation to respond) 

Number of 

responses 

Number of 

respondents 

Hours per 

response 

Annual burden 

(hours) 

Procedures to Enhance the Accuracy and Integrity of Information furnished to Consumer Reporting Agencies under Section 312 of the Fair 

and Accurate Credit Transaction Act.

Recordkeeping (Required).1 3,140 40 125,600 

Distribution of Notices in Response to Direct Disputes.Third Party Disclosure 

(Required).

46 3,140 0.23 33,221 

Total Annual Burden (Hours) ........................ ....................................... ........................ ........................ ........................ 158,821 

General Description of Collection: 

Sec. 312 of the Fair and Accurate Credit 

Transaction Act of 2003 (FACT Act) 

requires the FDIC to: Issue guidelines 

for furnishers regarding the accuracy 

and integrity of the information about 

consumers furnished to consumer 

reporting agencies; prescribe regulations 

requiring furnishers to establish 

reasonable policies/procedures to 

implement the guidelines; and issue 

regulations identifying the 

circumstances where a furnisher must 

reinvestigate a dispute about the 

accuracy of information in a consumer 

report based on a direct request from a 

consumer. 

There is no change in the method or 

substance of the collection. The overall 

increase in burden hours is the result of 

economic fluctuation. In particular, the 

number of respondents has increased 

while the hours per response and 

frequency of responses have remained 

the same. 

3. Title: Registration of Mortgage Loan 

Originators. 

OMB Number: 3064–0171. 

Form Number: None. 

Affected Public: FDIC Supervised 

Institutions and Employee Mortgage 

Loan Originators. 

Burden Estimate: 

SUMMARY OF ESTIMATED ANNUAL BURDEN

[OMB No. 3064–0171] 

Information collection description Type of 

burden 

Frequency of 

response 

Estimated 

number of 

respondents 

Estimated 

number of 

responses per 

respondent 

Estimated 

time per 

response 

(hours) 

Estimated 

annual burden 

(hours) 

Financial Institution Policies and Procedures for Ensuring EmployeeMortgage Loan Originator Compliance With S.A.F.E. Act Requirements—New Entrant.Recordkeeping .... One-Time ....... 7 1 20 140 

Financial Institution Policies and Procedures for Ensuring EmployeeMortgage Loan Originator Compliance With S.A.F.E. Act Requirements—Ongoing.Recordkeeping .... Annual ............ 3,091 1 1 3,091 

Financial Institution Procedures to 

Track and Monitor Compliance with 

S.A.F.E. Act Compliance—New 

Entrant.

Recordkeeping .... One-Time ....... 7 1 60 420 

Financial Institution Procedures to 

Track and Monitor Compliance with 

S.A.F.E. Act Compliance—Ongoing.

Recordkeeping .... Annual ............ 3,091 1 1 3,091 

Financial Institution Procedures for 

the Collection and Maintenance of 

Employee Mortgage Loan Originator’s Criminal History Background 

Reports—New Entrant.

Recordkeeping .... One-Time ....... 7 1 20 140 

Financial Institution Procedures for 

the Collection and Maintenance of 

Employee Mortgage Loan Originator’s Criminal History Background 

Reports—Ongoing.

Recordkeeping .... Annual ............ 3,091 1 1 3,091 

Financial Institution Procedures for 

Public Disclosure of Mortgage 

Loan Originator’s Unique Identifier—New Entrant.

Third Party Disclosure.One-Time ....... 7 1 25 175 


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Federal Register / Vol. 87, No. 9 / Thursday, January 13, 2022 / Notices 2157 

SUMMARY OF ESTIMATED ANNUAL BURDEN—Continued 

[OMB No. 3064–0171] 

Information collection description Type of 

burden 

Frequency of 

response 

Estimated 

number of 

respondents 

Estimated 

number of 

responses per 

respondent 

Estimated 

time per 

response 

(hours) 

Estimated 

annual burden 

(hours) 

Financial Institution Procedures for 

Public Disclosure of Mortgage 

Loan Originator’s Unique Identifier—Ongoing.

Third Party Disclosure.Annual ............ 3,091 1 1 3,091 

Financial Institution Information Reporting to Registry.Reporting ............. On Occasion .. 3,098 1 1 3,098 

Mortgage Loan Originator Initial Registration Reporting and Authorization Requirements.Reporting ............. One-Time ....... 5,257 1 .25 1,314 

Mortgage Loan Originator Registration Updates Upon Change in Circumstances.Reporting ............. On Occasion .. 40,015 1 .25 10,004 

Financial Institution Procedures for 

the Collection of Employee Mortgage Loan Originator’s Fingerprints.

Recordkeeping .... On Occasion .. 3,098 1 4 12,392 

Mortgage Loan Originator Procedures for Disclosure to Consumers 

of Unique Identifier.

Third Party Disclosure.On Occasion .. 45,272 1 1 45,272 

Mortgage Loan Originator Annual Renewal Registration Reporting and 

Authorization Requirements.

Reporting ............. On Occasion .. 40,015 1 .25 10,004 

Total Annual Burden ................... ............................. ........................ ........................ ........................ ........................ 95,323 

General Description of Collection: 

This information collection implements 

the Secure and Fair Enforcement for 

Mortgage Licensing Act of 2008 (SAFE 

Act) requirement that employees of 

Federally-regulated institutions who 

engage in the business of a mortgage 

loan originator to register with the 

Nationwide Mortgage Licensing System 

and Registry and establishes national 

licensing and registration requirements. 

It also directs Federally-regulated 

institutions to have written policies and 

procedures in place to ensure that their 

employees who perform mortgage loan 

originations comply with the 

registration and other SAFE Act 

requirements. 

There is no change in the method or 

substance of the collection. The overall 

decrease in burden hours is the result of 

economic fluctuation. In particular, the 

number of respondents and time per 

response have decreased while the 

frequency of responses have remained 

the same. 

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 collection of information 

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. 

Federal Deposit Insurance Corporation. 

Dated at Washington, DC, on January 10, 

2022. 

James P. Sheesley, 

Assistant Executive Secretary. 

[FR Doc. 2022–00574 Filed 1–12–22; 8:45 am] 

BILLING CODE 6714–01–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 public portions of the 

applications listed below, as well as 

other related filings required by the 

Board, if any, are available for 

immediate inspection at the Federal 

Reserve Bank(s) indicated below and at 

the offices of the Board of Governors. 

This information may also be obtained 

on an expedited basis, upon request, by 

contacting the appropriate Federal 

Reserve Bank and from the Board’s 

Freedom of Information Office at 

https://www.federalreserve.gov/foia/ 

request.htm. Interested persons may 

express their views in writing on the 

standards enumerated in the BHC Act 

(12 U.S.C. 1842(c)). 

Comments regarding each of these 

applications must be received at the 

Reserve Bank indicated or the offices of 

the Board of Governors, Ann E. 

Misback, Secretary of the Board, 20th 

Street and Constitution Avenue NW, 

Washington, DC 20551–0001, not later 

than February 10, 2022. 

A. Federal Reserve Bank of Atlanta 

(Erien O. Terry, Assistant Vice 

President) 1000 Peachtree Street NE, 

Atlanta, Georgia 30309. Comments can 

also be sent electronically to 

Applications.Comments@atl.frb.org: 

1. Georgia Banking Company, Inc., 

Atlanta, Georgia; to merge with Peoples 

BankTrust, Inc., and thereby indirectly 

acquire its subsidiary, Peoples Bank & 

Trust, both of Buford, Georgia. 


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