Federal Register / Vol. 87, No. 54 / Monday, March 21, 2022 / Notices 15995 

Board of Governors of the Federal Reserve 

System, March 16, 2022. 

Michele Taylor Fennell, 

Deputy Associate Secretary of the Board. 

[FR Doc. 2022–05902 Filed 3–18–22; 8:45 am] 

BILLING CODE P 

FEDERAL RESERVE SYSTEM 

Formations of, Acquisitions by, and 

Mergers of Savings and Loan Holding 

Companies 

The companies listed in this notice 

have applied to the Board for approval, 

pursuant to the Home Owners’ Loan Act 

(12 U.S.C. 1461 et seq.) (HOLA), 

Regulation LL (12 CFR part 238), and 

Regulation MM (12 CFR part 239), and 

all other applicable statutes and 

regulations to become a savings and 

loan holding company and/or to acquire 

the assets or the ownership of, control 

of, or the power to vote shares of a 

savings association. 

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 

whether the proposed transaction 

complies with the standards 

enumerated in the HOLA (12 U.S.C. 

1467a(e)). 

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 April 20, 2022. 

A. Federal Reserve Bank of Cleveland 

(Bryan S. Huddleston, Vice President) 

1455 East Sixth Street, Cleveland, Ohio 

44101–2566. Comments can also be sent 

electronically to 

Comments.applications@clev.frb.org: 

1. VWF Bancorp, Inc., Van Wert, 

Ohio; to become a savings and loan 

holding company pursuant to section 

10(e) of the Home Owners’ Loan Act by 

acquiring Van Wert Federal Savings 

Bank, Van Wert, Ohio, in connection 

with Van Wert Federal Savings Bank’s 

conversion from mutual to stock form. 

Board of Governors of the Federal Reserve 

System, March 16, 2022. 

Michele Taylor Fennell, 

Deputy Associate Secretary of the Board. 

[FR Doc. 2022–05898 Filed 3–18–22; 8:45 am] 

BILLING CODE 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 (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 

applications are set forth in paragraph 7 

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

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 paragraph 7 of 

the Act. 

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 April 5, 2022. 

A. Federal Reserve Bank of 

Minneapolis (Chris P. Wangen, 

Assistant Vice President) 90 Hennepin 

Avenue, Minneapolis, Minnesota 

55480–0291: Comments can also be sent 

electronically to MA@mpls.frb.org: 

1. Brent D. Moum, Bottineau, North 

Dakota; to acquire voting shares of the 

State Bank of Bottineau Holding 

Company, and thereby indirectly 

acquire voting shares of the State Bank 

of Bottineau, both of Bottineau, North 

Dakota. 

B. Federal Reserve Bank of Dallas 

(Karen Smith, Director, Applications) 

2200 North Pearl Street, Dallas, Texas 

75201–2272: 

1. The Katherine Orsak Irrevocable 

Asset Trust, Katherine Cecil Orsak, 

individually, and as trustee, and 

Stephen Paul Orsak, all of Dallas, 

Texas; The John Stephen Cecil 

Irrevocable Asset Trust, John Stephen 

Cecil, individually, and as trustee, and 

Meredith J. Cecil, all of San Angelo, 

Texas; Stephanie Sawyer Cecil, The Carl 

Cecil Irrevocable Asset Trust, Carl 

Thomas Cecil, individually, and as 

trustee, all of Paris, Texas; Julie A. 

Conger Enis, William Barton Enis, Karen 

Conger Welton, and The Sidney B. 

Conger and Jean Cecil Conger Living 

Trust, Sidney B. Conger and Jean Cecil 

Conger, as co-trustees, and The Conger 

Family Partnership, the Sidney B. 

Conger and Jean Cecil Conger Living 

Trust, as general partner, all of Houston, 

Texas; Lauren Lee Prickett, Atlanta, 

Georgia; The Randle R. Cecil Trust A, 

Paris, Texas, Jean Cecil Conger, as 

trustee, Houston, Texas; a group acting 

in concert to retain voting shares of 

Paris Bancshares, Inc., and thereby 

indirectly retain voting shares of The 

Liberty National Bank in Paris, both in 

Paris, Texas. 

Board of Governors of the Federal Reserve 

System, March 16, 2022. 

Michele Taylor Fennell, 

Deputy Associate Secretary of the Board. 

[FR Doc. 2022–05903 Filed 3–18–22; 8:45 am] 

BILLING CODE P 

FEDERAL TRADE COMMISSION 

Agency Information Collection 

Activities; Proposed Collection; 

Comment Request; Extension 

AGENCY: Federal Trade Commission. 

ACTION: Notice. 

SUMMARY: In accordance with the 

Paperwork Reduction Act of 1995 

(PRA), the Federal Trade Commission 

(FTC or Commission) is seeking public 

comment on its proposal to extend for 

an additional three years the Office of 

Management and Budget (OMB) 

clearance for information collection 

requirements contained in the Mail, 

internet, or Telephone Order 

Merchandise Rule (MITOR). That 

clearance expires on July 31, 2022. 

DATES: Comments must be received on 

or before May 20, 2022. 

ADDRESSES: Interested parties may file a 

comment online or on paper by 

following the instructions in the 

Request for Comments part of the 

SUPPLEMENTARY INFORMATION section 

below. Write ‘‘Paperwork Reduction Act 

Comment: FTC File No. P072108’’ on 

your comment, and file your comment 

online at https://www.regulations.gov by 

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

comment on paper, mail your comment 


khammond on DSKJM1Z7X2PROD with NOTICES
15996 Federal Register / Vol. 87, No. 54 / Monday, March 21, 2022 / Notices 

1The hourly wage rates for sales and related 

workers are updated from the 60-Day Federal 

Register notice and are based on mean hourly 

wages found at https://www.bls.gov/news.release/ 

ocwage.htm (‘‘Occupational Employment and 

Wages–May 2020,’’ U.S. Department of Labor, 

released March 2021, Table 1 (‘‘National 

employment and wage data from the Occupational 

Employment Statistics survey by occupation, May 

2020’’). 

2 84 FR 10072 (Mar. 19, 2019); 84 FR 24512 (May 

28, 2019). 

3Most of the estimated start-up time relates to the 

development and installation of computer systems 

geared to more efficiently handle customer orders. 

4Conceptually, this might understate the number 

of new entrants. Given the virtually unlimited 

diversity of retail establishments, it is very unlikely 

that there is a reliable external measure; 

nonetheless, as in the past, the Commission invites 

public comment that might better inform these 

estimates. For example, many online marketplace 

sellers that use Amazon.com’s marketplace to sell 

to customers have agreements that provide that 

Amazon handles packaging and shipping the 

products to customers. Whether Amazon.com is 

also the entity responsible for sending customers 

delay notices when necessary could affect which 

entity is subject to MITOR disclosure requirements, 

Amazon or the individual marketplace seller. 

5As noted above, the existing OMB clearance for 

the Rule expires on July 31, 2022, and the FTC is 

seeking to extend the clearance for three years. 

6Brian Baskin, ‘‘Amazon’s Free Shipping Pushes 

Small Retailers, Delivery Firms to Compete,’’ The 

Wall Street Journal, Apr. 8, 2017, available at 

https://www.wsj.com/articles/amazons-freeshipping-pushes-small-retailers-delivery-firms-tocompete-1491649203. 

7Under the OMB regulation implementing the 

PRA, burden is defined to exclude any effort that 

would be expended regardless of any regulatory 

requirement. 5 CFR 1320.3(b)(2). 

8See Table 1, National employment and wage 

data from the Occupational Employment Statistics 

survey by occupation, May 2020, at https://

www.bls.gov/news.release/ocwage.t01.htm. 

to the following address: Federal Trade 

Commission, Office of the Secretary, 

600 Pennsylvania Avenue NW, Suite 

CC–5610 (Annex J), 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 J), 

Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: Jock 

Chung, 202–326–2984, Attorney, 

Enforcement Division, Bureau of 

Consumer Protection, 600 Pennsylvania 

Avenue NW, Mail Drop CC–9528, 

Washington, DC 20580. 

SUPPLEMENTARY INFORMATION: 

Title: Mail, internet, or Telephone 

Order Merchandise Rule (MITOR or 

Rule), 16 CFR part 435. 

OMB Control Number: 3084–0106. 

Type of Review: Extension of a 

currently approved collection. 

Abstract: Generally, the MITOR 

requires a seller (or merchant) to: (1) 

Have a reasonable basis for any express 

or implied shipment representation 

made in soliciting the sale (if no express 

time period is promised, the implied 

shipment representation is 30 days); (2) 

notify the buyer (or consumer) and 

obtain the buyer’s consent to any delay 

in shipment; and (3) make prompt and 

full refunds when the buyer exercises a 

cancellation option or the seller is 

unable to meet the Rule’s other 

requirements. 

Likely Respondents: Businesses 

engaged in the sale of merchandise by 

mail, internet or telephone. 

Estimated Annual Hours Burden: 

3,117,410 hours. 

Third Party Disclosure: [(53,300 

established businesses × 50 hours) + 

(1,967 new entrants × 230 hours) = 

3,117,410 hours. 

Estimated Annual Cost Burden: 

$82,269,450, which is derived from 

3,117,410 hours × $26.39/hour.1

As required by section 3506(c)(2)(A) 

of the PRA, 44 U.S.C. 3506(c)(2)(A), the 

FTC is providing this opportunity for 

public comment before requesting that 

OMB extend the existing clearance for 

the information collection requirements 

contained in the Commission’s Health 

Breach Notification Rule. 

Burden Estimates 

Estimated total annual hours burden: 

3,117,410 hours. 

In its 2019 PRA-related Federal 

Register Notices 2 and corresponding 

submission to OMB, FTC staff estimated 

that established companies each spend 

an average of 50 hours per year on 

compliance with the Rule, and that new 

industry entrants spend an average of 

230 hours (an industry estimate) for 

compliance measures associated with 

start-up.3 Thus, the total estimated 

hours burden was calculated by 

multiplying the estimated number of 

established companies × 50 hours, 

multiplying the estimated number of 

new entrants × 230 hours, and adding 

the two products. 

No substantive provisions in the Rule 

have been amended or changed since 

staff’s 2019 submission to OMB. Thus, 

the Rule’s disclosure requirements 

remain the same. Moreover, the 

Commission received no public 

comments regarding the above-noted 

estimates; thus, staff will apply them to 

the current PRA burden analysis. 

Since the prior submission to OMB, 

however, the number of businesses 

engaged in the sale of merchandise 

subject to the MITOR has increased. The 

most currently available data from the 

U.S. Census Bureau indicates that, 

between 2005 and 2019, the number of 

businesses subject to the MITOR grew 

from 15,924 to 43,465, or an average 

increase of 1,967 new businesses a year 

[(43,465 businesses in 2019 ¥ 15,924 

businesses in 2005) ÷ 14 years].4

Assuming this growth rate continues 

from 2022 through 2025, the average 

number of established businesses during 

the three-year period for which OMB 

clearance is sought for the Rule would 

be 53,300: 5

Year Established 

businesses New entrants 

2022–23 .... 51,333 1,967 

2023–24 .... 53,300 1,967 

2024–25 .... 55,267 1,967 

Average: ... 53,300 1,967 

In an average year during the threeyear OMB clearance period, staff 

estimates that established businesses 

and new entrants will devote 3,117,410 

hours to comply with the MITOR 

[(53,300 established businesses × 50 

hours) + (1,967 new entrants × 230 

hours) = 3,117,410]. The estimated PRA 

burden per seller to comply with the 

MITOR is likely overstated because 

much of the estimated time burden for 

disclosure-related compliance would 

arguably be incurred even absent the 

Rule. Over the years, industry trade 

associations and individual witnesses 

have consistently taken the position that 

providing buyers with notice about the 

status of their orders fosters buyer 

loyalty and encourages repeat 

purchases, which are important to 

marketers’ success. In recent years, the 

demands of the internet’s online 

marketplace and its leading retailers 

such as Amazon.com, Walmart.com, 

and Ebay.com have driven many 

businesses to upgrade the information 

management systems to track and ship 

orders more effectively.6 These 

upgrades were primarily prompted by 

the industry’s need to deal with growing 

buyer demand for merchandise that is 

timely shipped. Accordingly, most 

companies now provide updated order 

information of the kind required by the 

Rule in their ordinary course of business 

to meet buyer expectations regarding 

timely shipment, notification of delay, 

and prompt and full refunds.7

Estimated labor costs: $82,269,450. 

FTC staff derived labor costs by 

applying appropriate hourly cost figures 

to the burden hours described above. 

According to the most recent data 

available from the Bureau of Labor and 

Statistics,8 the mean hourly income for 

workers in sales and related occupations 

was $26.39/hour. The bulk of the 

burden of complying with the MITOR is 

borne by clerical personnel along with 


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Federal Register / Vol. 87, No. 54 / Monday, March 21, 2022 / Notices 15997 

9Considering that sales for ‘‘electronic shopping 

and mail order houses’’ grew from $295 billion in 

2011 to $668 billion in 2019, staff estimates the 

annual mail, internet, or telephone sales to 

consumers in the three year period for which OMB 

clearance is sought will average $1.1 trillion. Thus, 

the projected average labor cost for MITOR 

compliance by existing and new businesses for that 

period would amount to 0.007% of sales. 

assistance from sales personnel. Staff 

believes that the mean hourly income 

for workers in sales and related 

occupations is an appropriate measure 

of a direct marketer’s average labor cost 

to comply with the Rule. Thus, the total 

annual labor cost to new and 

established businesses for MITOR 

compliance during the three-year period 

for which OMB approval is sought 

would be approximately $82,269,450 

(3,117,410 hours × $26.39/hour). 

Relative to direct industry sales, this 

total is negligible.9

Request for Comments 

Pursuant to Section 3506(c)(2)(A) of 

the PRA, the FTC invites comments on: 

(1) Whether the proposed collection of 

information is necessary for the proper 

performance of the functions of the 

agency, including whether the 

information will have practical utility; 

(2) the accuracy of the agency’s estimate 

of the burden of the proposed collection 

of information, including the validity of 

the methodology and assumptions used; 

(3) ways to enhance the quality, utility, 

and clarity of the information to be 

collected; and (4) ways to minimize the 

burden of maintaining records and 

providing disclosures to consumers. All 

comments must be received on or before 

May 20, 2022. 

You can file a comment online or on 

paper. For the FTC to consider your 

comment, we must receive it on or 

before May 20, 2022. Write ‘‘Paperwork 

Reduction Act Comment: FTC File No. 

P072108’’ on your comment. Your 

comment—including your name and 

your state—will be placed on the public 

record of this proceeding, including the 

https://www.regulations.gov website. 

Due to the public health emergency in 

response to the COVID–19 outbreak and 

the agency’s heightened security 

screening, postal mail addressed to the 

Commission will be subject to delay. We 

encourage you to submit your comments 

online through the https://

www.regulations.gov website. 

If you prefer to file your comment on 

paper, write ‘‘Paperwork Reduction Act 

Comment: FTC File No. P072108’’ 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 J), 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 J), 

Washington, DC 20024. If possible, 

submit your paper comment to the 

Commission by courier or overnight 

service. 

Because your comment will become 

publicly available at https://

www.regulations.gov, you are solely 

responsible for making sure that your 

comment does not include any sensitive 

or confidential information. In 

particular, your comment should not 

include any sensitive personal 

information, such as your or anyone 

else’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, such as medical 

records or other individually 

identifiable health information. In 

addition, your comment should not 

include any ‘‘trade secret or any 

commercial or financial information 

which . . . . is privileged or 

confidential’’—as provided by 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)— 

including in particular competitively 

sensitive information such as costs, 

sales statistics, inventories, formulas, 

patterns, devices, manufacturing 

processes, or customer names. 

Comments containing material for 

which confidential treatment is 

requested must be filed in paper form, 

must be clearly labeled ‘‘Confidential,’’ 

and must comply with FTC Rule 4.9(c). 

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). Your 

comment will be kept confidential only 

if the General Counsel grants your 

request in accordance with the law and 

the public interest. Once your comment 

has been posted publicly at 

www.regulations.gov, we cannot redact 

or remove your comment unless you 

submit a confidentiality request that 

meets the requirements for such 

treatment under FTC Rule 4.9(c), and 

the General Counsel grants that request. 

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 May 20, 2022. For information on 

the Commission’s privacy policy, 

including routine uses permitted by the 

Privacy Act, see https://www.ftc.gov/ 

site-information/privacy-policy. 

Josephine Liu, 

Assistant General Counsel for Legal Counsel. 

[FR Doc. 2022–05850 Filed 3–18–22; 8:45 am] 

BILLING CODE 6750–01–P 

DEPARTMENT OF DEFENSE 

GENERAL SERVICES 

ADMINISTRATION 

NATIONAL AERONAUTICS AND 

SPACE ADMINISTRATION 

[OMB Control No. 9000–0073; Docket No. 

2022–0053; Sequence No. 9] 

Information Collection; Certain Federal 

Acquisition Regulation Part 32 

Requirements 

AGENCY: Department of Defense (DOD), 

General Services Administration (GSA), 

and National Aeronautics and Space 

Administration (NASA). 

ACTION: Notice and request for 

comments. 

SUMMARY: In accordance with the 

Paperwork Reduction Act of 1995, and 

the Office of Management and Budget 

(OMB) regulations, DoD, GSA, and 

NASA invite the public to comment on 

a revision concerning certain Federal 

Acquisition Regulation part 32 

requirements. 

DoD, GSA, and NASA invite 

comments on: Whether the proposed 

collection of information is necessary 

for the proper performance of the 

functions of Federal Government 

acquisitions, including whether the 

information will have practical utility; 

the accuracy of the estimate of the 

burden of the proposed information 

collection; ways to enhance the quality, 

utility, and clarity of the information to 

be collected; and ways to minimize the 

burden of the information collection on 

respondents, including the use of 

automated collection techniques or 

other forms of information technology. 

OMB has approved this information 

collection for use through July 31, 2022. 

DoD, GSA, and NASA propose that 

OMB extend its approval for use for 

three additional years beyond the 

current expiration date. 

DATES: DoD, GSA, and NASA will 

consider all comments received by May 

20, 2022. 


khammond on DSKJM1Z7X2PROD with NOTICES