Federal Register / Vol. 87, No. 22 / Wednesday, February 2, 2022 / Notices 5803 

aid attorneys, academics and 

researchers, small businesses, financial 

institutions, and state and local 

government officials. 

The CFPB welcomes stakeholders to 

submit stories, data, and information 

about fees. To assist commenters in 

developing responses, the CFPB has 

crafted the below questions that 

commenters may answer. However, the 

CFPB is interested in receiving any 

comments relating to fees in consumer 

finance. 

1. If you are a consumer, please tell 

us about your experiences with fees 

associated with your bank, credit union, 

prepaid or credit card account, credit 

card, mortgage, loan, or payment 

transfers, including: 

a. Fees for things you believed were 

covered by the baseline price of a 

product or service. 

b. Unexpected fees for a product or 

service. 

c. Fees that seemed too high for the 

purported service. 

d. Fees where it was unclear why they 

were charged. 

2. What types of fees for financial 

products or services obscure the true 

cost of the product or service by not 

being built into the upfront price? 

3. What fees exceed the cost to the 

entity that the fee purports to cover? For 

example, is the amount charged for NSF 

fees necessary to cover the cost of 

processing a returned check and 

associated losses to the depository 

institution? 

4. What companies or markets are 

obtaining significant revenue from backend fees, or consumer costs that are not 

incorporated into the sticker price? 

5. What obstacles, if any, are there to 

building fees into up-front prices 

consumers shop for? How might this 

vary based on the type of fee? 

6. What data and evidence exist with 

respect to how consumers consider 

back-end fees, both inside and outside 

of financial services? 

7. What data and evidence exist that 

suggest that consumers do, or do not, 

understand fee structures disclosed in 

fine-print or boilerplate contracts? 

8. What data and evidence exist that 

suggest that consumers do or do not 

make decisions based on fees, even if 

well disclosed and understood? 

9. What oversight and/or policy tools 

should the CFPB use to address the 

escalation of excessive fees or fees that 

shift revenue away from the front-end 

price? 

Rohit Chopra, 

Director, Bureau of Consumer Financial 

Protection. 

[FR Doc. 2022–02071 Filed 2–1–22; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

[Docket No. CFPB–2022–0007] 

Agency Information Collection 

Activities: Comment Request 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for comment. 

SUMMARY: In accordance with the 

Paperwork Reduction Act of 1995 

(PRA), the Consumer Financial 

Protection Bureau (CFPB or Bureau) is 

publishing this notice seeking comment 

on a Generic Information Collection 

titled ‘‘Financial Well-Being Scale 

Malleability Survey’’ prior to requesting 

the Office of Management and Budget’s 

(OMB’s) approval of this collection 

under the Generic Information 

Collection ‘‘Generic Information 

Collection Plan for Studies of 

Consumers using Controlled Trials in 

Field and Economic Laboratory 

Settings’’ under OMB Control Number 

3170–0048. 

DATES: Written comments are 

encouraged and must be received on or 

before March 4, 2022 to be assured of 

consideration. 

ADDRESSES: You may submit comments, 

identified by the title of the information 

collection, OMB Control Number (see 

below), and docket number (see above), 

by any of the following methods: 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

• Email: PRA_Comments@cfpb.gov. 

Include Docket No. CFPB–2022–0007 in 

the subject line of the email. 

• Mail/Hand Delivery/Courier: 

Comment Intake, Consumer Financial 

Protection Bureau (Attention: PRA 

Office), 1700 G Street NW, Washington, 

DC 20552. 

Please note that due to circumstances 

associated with the COVID–19 

pandemic, the Bureau discourages the 

submission of comments by mail, hand 

delivery, or courier. Please note that 

comments submitted after the comment 

period will not be accepted. In general, 

all comments received will become 

public records, including any personal 

information provided. Sensitive 

personal information, such as account 

numbers or Social Security numbers, 

should not be included. 

FOR FURTHER INFORMATION CONTACT: 

Documentation prepared in support of 

this information collection request is 

available at www.regulations.gov. 

Requests for additional information 

should be directed to Anthony May, 

Paperwork Reduction Act Officer, at 

(202) 841–0544, or email: CFPB_PRA@

cfpb.gov. If you require this document 

in an alternative electronic format, 

please contact CFPB_Accessibility@

cfpb.gov. Please do not submit 

comments to these email boxes. 

SUPPLEMENTARY INFORMATION: 

Title of Collection: Financial WellBeing Scale Malleability Survey. 

OMB Control Number: 3170–0048. 

Type of review: Submission of an IC 

under a generic information collection. 

Affected Public: Individuals. 

Estimated Number of Respondents: 

4,000. 

Estimated Total Annual Burden 

Hours: 1,000. 

Abstract: The proposed research 

examines the malleability of 

individuals’ responses to CFPB’s 

Financial Well-Being Scale and/or 

changes to attitudes and behaviors 

based on completion of the scale. 

Financial practitioners and researchers 

use the CFPB Financial Well-Being 

Scale to measure financial well-being. 

This experiment will illustrate whether 

completion of the Financial Well-Being 

Scale immediately after using a 

financial tool (e.g., creating a budget) 

results in either higher or lower 

Financial Well-Being scores than 

completing the Scale without such a 

tool. The experiment will also test the 

robustness of the type of instrument 

used by testing both versions of the 

instrument (the five item Financial 

Well-Being Scale and the 10 item 

Financial Well-Being Scale). A 

maximum of 4,000 participants will be 

recruited from the panel maintained by 

the Understanding America Study 

(UAS) to complete the Financial WellBeing Scale Malleability Survey. The 

Bureau will collect information on 

financial well-being and information 

related to the budgeting tool including 

an assessment of the respondent’s 

experience using the tool, estimates of 

monthly income and spending, as well 

as questions about financial goals, 

budgeting, self-efficacy, and willingness 

to use such a tool in the future. The 

CFPB will not receive any personal 

identifiable information (PII). 

Request for Comments: The Bureau is 

publishing this notice and soliciting 

comments on: (a) Whether the collection 

of information is necessary for the 

proper performance of the functions of 

the Bureau, including whether the 

information will have practical utility; 

(b) The accuracy of the Bureau’s 

estimate of the burden of the collection 

of information, including the validity of 

the methods and the assumptions used; 

(c) Ways to enhance the quality, utility, 

and clarity of the information to be 


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5804 Federal Register / Vol. 87, No. 22 / Wednesday, February 2, 2022 / Notices 

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. Comments submitted in 

response to this notice will be submitted 

to OMB as part of its review of this 

request. All comments will become a 

matter of public record. 

Anthony May, 

Paperwork Reduction Act Officer, Consumer 

Financial Protection Bureau. 

[FR Doc. 2022–02090 Filed 2–1–22; 8:45 am] 

BILLING CODE 4810–AM–P 

DEPARTMENT OF EDUCATION 

Applications for New Awards; 

Fulbright-Hays Doctoral Dissertation 

Research Abroad Fellowship Program 

AGENCY: Office of Postsecondary 

Education, Department of Education. 

ACTION: Notice. 

SUMMARY: The Department of Education 

is issuing a notice inviting applications 

for fiscal year (FY) 2022 for the 

Fulbright-Hays Doctoral Dissertation 

Research Abroad (DDRA) Fellowship 

Program, Assistance Listing Number 

84.022A. This notice relates to the 

approved information collection under 

OMB control number 1840–0005. 

DATES: 

Applications Available: February 2, 

2022. 

Deadline for Transmittal of 

Applications: April 6, 2022. 

Pre-Application Webinar information: 

The Department will hold a preapplication meeting via webinar for 

prospective applicants. Detailed 

information regarding this webinar will 

be provided on the Doctoral Dissertation 

Research Abroad website at https://

www2.ed.gov/programs/iegpsddrap/ 

applicant.html. Additional information 

for new potential grantees who are 

unfamiliar with grantmaking at the 

Department may read about the 

discretionary grant process and funding 

basics resources at https://www2.ed.gov/ 

documents/funding-101/funding-101- 

basics.pdf (Funding 101 Basics). 

ADDRESSES: The addresses pertinent to 

this competition—including the 

addresses for obtaining and submitting 

an application—can be found under 

SUPPLEMENTARY INFORMATION. 

FOR FURTHER INFORMATION CONTACT: 

Amy Marrion, U.S. Department of 

Education, 400 Maryland Avenue SW, 

Room 258–24, Washington, DC 20202. 

Telephone: (202) 453–5628. Email: 

DDRA@ed.gov. 

If you use a telecommunications 

device for the deaf (TDD) or a text 

telephone (TTY), call the Federal Relay 

Service (FRS), toll free, at 1–800–877– 

8339. 

SUPPLEMENTARY INFORMATION: 

Full Text of Announcement 

I. Funding Opportunity Description 

Purpose of Program: The FulbrightHays DDRA Fellowship Program 

provides opportunities for doctoral 

students to engage in dissertation 

research abroad in modern foreign 

languages and area studies. The program 

is designed to contribute to the 

development and improvement of the 

study of modern foreign languages and 

area studies in the United States. 

Priorities: This notice contains one 

absolute priority and three competitive 

preference priorities. In accordance with 

34 CFR 75.105(b)(2)(ii), the Absolute 

Priority and Competitive Preference 

Priorities 1 and 2 are from the 

regulations for this program (34 CFR 

662.21(d)). Competitive Preference 

Priority 3 is from the Secretary’s Notice 

of Final Supplemental Priorities and 

Definitions for Discretionary Grant 

Programs, published in the Federal 

Register on December 10, 2021 (86 FR 

70612) (Supplemental Priorities). 

Absolute Priority: For FY 2022, this 

priority is an absolute priority. Under 34 

CFR 75.105(c)(3), we consider only 

applications that meet this priority. 

This priority is: 

Specific Geographic Regions of the 

World. 

A research project that focuses on one 

or more of the following geographic 

areas: Africa, East Asia, Southeast Asia 

and the Pacific Islands, South Asia, the 

Near East, Central and Eastern Europe 

and Eurasia, and the Western 

Hemisphere (excluding the United 

States and its territories). 

Competitive Preference Priorities: For 

FY 2022, these priorities are competitive 

preference priorities. Under 34 CFR 

75.105(c)(2)(i), we award an additional 

two points to an application that meets 

Competitive Preference Priority 1; an 

additional two points to an application 

that meets Competitive Preference 

Priority 2; and an additional two points 

to an application that meets Competitive 

Priority 3 (up to 6 additional points 

possible). 

These priorities are: 

Competitive Preference Priority 1— 

Focus on Less Commonly Taught 

Languages (2 points). 

A research project that focuses on any 

modern foreign language except French, 

German, or Spanish. 

Competitive Preference Priority 2— 

Thematic Focus on Academic Fields (2 

points). 

Applications that propose dissertation 

research projects in modern foreign 

languages and area studies with an 

academic focus on any of the following 

academic fields: Science (including 

climate change), technology, 

engineering (including infrastructure 

studies), mathematics, computer 

science, education (comparative or 

international), international 

development, political science, public 

health (including epidemiology), or 

economics. 

Competitive Preference Priority 3— 

Promoting Equity in Student Access to 

Educational Resources and 

Opportunities (2 points). 

Projects implemented by one of the 

following entities: 

• Historically Black colleges and 

universities (as defined in this notice); 

• Minority-serving institutions (as 

defined in this notice); or 

• Tribal colleges and universities (as 

defined in this notice). 

Definitions: The following definitions 

are from the Supplemental Priorities, to 

provide clarity for applicants addressing 

Competitive preference Priority 3. 

Historically Black colleges and 

universities means colleges and 

universities that meet the criteria set out 

in 34 CFR 608.2. 

Minority-serving institutions means an 

institution that is eligible to receive 

assistance under sections 316 through 

320 of part A of title III, under part B 

of title III, or under title V of the Higher 

Education Act of 1965 (HEA). 

Tribal colleges or universities has the 

meaning ascribed it in section 316(b)(3) 

of the HEA. 

Program Authority: 22 U.S.C. 

2452(b)(6). 

Note: Projects will be awarded and 

must be operated in a manner consistent 

with the nondiscrimination 

requirements contained in Federal civil 

rights laws. 

Applicable Regulations: (a) The 

Education Department General 

Administrative Regulations in 34 CFR 

parts 75, 77, 81, 82, 84, 86, 97, 98, and 

99. (b) The Office of Management and 

Budget Guidelines to Agencies on 

Governmentwide Debarment and 

Suspension (Nonprocurement) in 2 CFR 

part 180, as adopted and amended as 

regulations of the Department in 2 CFR 

part 3485. (c) The Uniform 

Administrative Requirements, Cost 

Principles, and Audit Requirements for 

Federal Awards in 2 CFR part 200, as 

adopted and amended as regulations of 

the Department in 2 CFR part 3474. (d) 

The regulations for this program in 34 


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