17086 Federal Register / Vol. 87, No. 58 / Friday, March 25, 2022 / Notices 

FEDERAL HOUSING FINANCE 

AGENCY 

[No. 2022–N–4] 

Privacy Act of 1974; System of 

Records 

AGENCY: Federal Housing Finance 

Agency. 

ACTION: Notice of a modified system of 

records. 

SUMMARY: In accordance with the 

requirements of the Privacy Act of 1974, 

as amended, (Privacy Act), the Federal 

Housing Finance Agency (FHFA or 

Agency) is proposing to modify the 

current FHFA system of records titled, 

‘‘FHFA–18, Reasonable Accommodation 

and Personal Assistance Services 

Information System’’ (System) in order 

to collect information related to 

sincerely held religious beliefs, 

practices, or observances when 

necessary to evaluate requests for 

religious accommodations. FHFA is also 

publishing this revised system of 

records to reflect updates to the 

authorities and to expand the system’s 

purpose, scope of categories of 

individuals, categories of records, and 

record source categories. FHFA is also 

proposing to modify certain routine 

uses, and make general and 

administrative updates to the remaining 

sections in the System. 

DATES: In accordance with 5 U.S.C. 

552a(e)(4) and (11), the modified system 

of records will go into effect without 

further notice on March 25, 2022, unless 

otherwise revised pursuant to comments 

received. The modified routine uses will 

go into effect on April 25, 2022. 

Comments must be received on or 

before April 25, 2022. FHFA will 

publish a new notice if the effective date 

is delayed in order for the Agency to 

review the comments or if changes are 

made based on comments received. 

ADDRESSES: Submit comments to FHFA, 

identified by ‘‘No. 2022–N–4,’’ using 

any one of the following methods: 

• Agency Website: www.fhfa.gov/ 

open-for-comment-or-input. 

• Federal eRulemaking Portal: 

https://www.regulations.gov. Follow the 

instructions for submitting comments. If 

you submit your comments to the 

Federal eRulemaking Portal, please also 

send it by email to FHFA at 

RegComments@fhfa.gov to ensure 

timely receipt by FHFA. Please include 

‘‘Comments/No. 2022–N–4,’’ in the 

subject line of the message. 

• Hand Delivered/Courier: The hand 

delivery address is: Clinton Jones, 

General Counsel, Attention: Comments/ 

No. 2022–N–4, Federal Housing Finance 

Agency, 400 Seventh Street SW, 

Washington, DC 20219. The package 

should be delivered to the Seventh 

Street entrance Guard Desk, First Floor, 

on business days between 9 a.m. and 5 

p.m., EST. For U.S. Mail, United Parcel 

Service, Federal Express, or Other Mail 

Service: The mailing address for 

comments is: Clinton Jones, General 

Counsel, Attention: Comments/No. 

2022–N–4, Federal Housing Finance 

Agency, 400 Seventh Street SW, 

Washington, DC 20219. Please note that 

all mail sent to FHFA via the U.S. Postal 

Service is routed through a national 

irradiation facility, a process that may 

delay delivery by approximately two 

weeks. For any time-sensitive 

correspondence, please plan 

accordingly. 

See SUPPLEMENTARY INFORMATION for 

additional information on submission 

and posting of comments. 

FOR FURTHER INFORMATION CONTACT: 

Stacy Easter, Privacy Act Officer, 

privacy@fhfa.gov or (202) 649–3803; or 

Tasha Cooper, Senior Agency Official 

for Privacy, privacy@fhfa.gov or (202) 

649–3091 (not toll-free numbers), 

Federal Housing Finance Agency, 400 

Seventh Street SW, Washington, DC 

20219. For TTY/TRS users with hearing 

and speech disabilities, dial 711 and ask 

to be connected to any of the contact 

numbers above. 

SUPPLEMENTARY INFORMATION: 

I. Comments 

FHFA seeks public comments on the 

revision(s) to the system of records and 

will take all comments into 

consideration. See 5 U.S.C. 552a(e)(4) 

and (11). In addition to referencing 

‘‘Comments/No. 2022–N–4,’’ please 

reference ‘‘FHFA–18, Reasonable 

Accommodation and Personal 

Assistance Services Information 

System.’’ 

FHFA will make all comments timely 

received available for examination by 

the public through the electronic 

comment docket for this notice, which 

is located on the FHFA website at 

http://www.fhfa.gov. All comments 

received will be posted without change 

and will include any personal 

information you provide, such as name, 

address (mailing and email), telephone 

numbers, and any other information you 

provide. 

II. Introduction 

This notice informs the public of 

FHFA’s proposed revision(s) to an 

existing system of records. This notice 

satisfies the Privacy Act requirement 

that an agency publishes a system of 

records notice in the Federal Register 

when there is an addition or change to 

an agency’s systems of records. Congress 

has recognized that application of all 

requirements of the Privacy Act to 

certain categories of records may have 

an undesirable and often unacceptable 

effect upon agencies in the conduct of 

necessary public business. 

Consequently, Congress established 

general exemptions and specific 

exemptions that could be used to 

exempt records from provisions of the 

Privacy Act. Congress also required that 

exempting records from provisions of 

the Privacy Act would require the head 

of an agency to publish a determination 

to exempt a record from the Privacy Act 

as a rule in accordance with the 

Administrative Procedure Act. Records 

and information in this system of 

records are not exempt from the 

requirements of the Privacy Act. 

As required by the Privacy Act, 5 

U.S.C. 552a(r), and pursuant to section 

7 of Office of Management and Budget 

(OMB) Circular No. A–108, ‘‘Federal 

Agency Responsibilities for Review, 

Reporting, and Publication under the 

Privacy Act’’, prior to publication of this 

notice, FHFA submitted a report 

describing the system of records covered 

by this notice to the OMB, the 

Committee on Oversight and 

Government Reform of the House of 

Representatives, and the Committee on 

Homeland Security and Governmental 

Affairs of the Senate. 

III. Revised Systems of Records 

The revised system of records notice 

is set out in its entirety and described 

in detail below. The proposed 

modification to the System makes the 

following substantive and 

nonsubstantive changes: 

(1) Adds new authorities, revises the 

purpose, and expands the categories of 

individuals covered by the system, the 

categories of records in the system, and 

the records source categories, to allow 

FHFA to collect and maintain 

information required to process 

religious accommodation requests 

provided for under Title VII of the Civil 

Rights Act of 1964 (CRA), as amended. 

(2) Revises existing routine uses 

language to be consistent with FHFA’s 

standard routine uses, deletes routine 

use 7, and merges routine uses 13 and 

14. 

(3) Updates the Security Classification 

section as Controlled Unclassified due 

to FHFA’s transition to a controlled 

unclassified information policy to align 

with the National Archives and Records 

Administration (NARA). 

(4) Makes other general and 

administrative updates to the remaining 


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Federal Register / Vol. 87, No. 58 / Friday, March 25, 2022 / Notices 17087 

sections of the notice in accordance 

with the OMB Circular A–108. 

Information in this System is used to 

collect, maintain, evaluate, approve, 

deny, and/or implement requests for a 

reasonable accommodation or personal 

assistance services under sections 501, 

504, and 701 of the Rehabilitation Act 

of 1973; 29 CFR part 1630; the 

Americans with Disabilities Act (ADA) 

Amendments of 2008; Title VII of the 

Civil Rights Act of 1964; and 29 CFR 

part 1605. 

In addition, the System tracks and 

reports to appropriate entities the 

processing of requests for reasonable 

accommodation and personal assistance 

services to ensure compliance with 

applicable laws and regulations, and to 

preserve and maintain the 

confidentiality of medical and religious 

information. 

SYSTEM NAME AND NUMBER: 

Reasonable Accommodation and 

Personal Assistance Services 

Information System, FHFA–18. 

SECURITY CLASSIFICATION: 

Controlled Unclassified Information. 

SYSTEM LOCATION: 

Federal Housing Finance Agency, 400 

Seventh Street SW, Washington, DC 

20219, and any alternate work site used 

by employees of FHFA, including 

contractors assisting agency employees, 

FHFA-authorized cloud service 

providers, and FHFA-authorized 

contractor networks located within the 

Continental United States. 

SYSTEM MANAGER(S): 

Office of Human Resources 

Management, Employee Relations and 

Benefits, Senior Human Resources 

Specialist, (202) 649–3807, Federal 

Housing Finance Agency, 400 7th Street 

SW, Washington, DC 20219, and any 

alternate work site utilized by 

employees of the Federal Housing 

Finance Agency or by individuals 

assisting such employees. 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

The Rehabilitation Act of 1973 (29 

U.S.C. 791); 29 CFR part 1630; 

Executive Orders 13163, 13164 and 

13548; Equal Employment Opportunity 

Commission (EEOC) Policy Guidance on 

Executive Order 13164; EEOC 

Enforcement Guidance: Application of 

the Americans with Disabilities Act 

(ADA) to Contingent Workers Placed by 

Temporary Agencies and Other Staffing 

Firms; Title VII of the Civil Rights Act 

of 1964 (42 U.S.C. 2000e); and 29 CFR 

part 1605. 

PURPOSE(S) OF THE SYSTEM: 

The purpose(s) of the System is to: 

(1) Allow FHFA to collect and 

maintain records on applicants for 

employment, employees (including 

former employees), and others who 

request or receive a reasonable 

accommodation under sections 501, 

504, and 701 of the Rehabilitation Act 

of 1973, as amended, and under the 

ADA Amendments of 2008, and on 

employees and others who request or 

receive personal assistance services 

under section 501, as amended, of the 

Rehabilitation Act of 1973; 

(2) Allow FHFA to collect and 

maintain records on applicants for 

employment, employees (including 

former employees), and others with 

sincerely held religious beliefs, 

practices, or observances who request or 

receive an accommodation pursuant to 

Title VII of the Civil Rights Act of 1964 

(42 U.S.C. 2000e) and 29 CFR part 1605; 

(3) Track and report to appropriate 

entities the processing of requests for 

reasonable and religious 

accommodations and personal 

assistance services to ensure compliance 

with applicable laws and regulations; 

(4) Preserve and maintain the 

confidentiality of medical and religious 

information.; and 

(5) Evaluate, approve, deny, and/or 

implement a request for religious and 

reasonable accommodation or personal 

assistance service. 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Applicants for employment, 

employees (current and former), and 

any other individuals who request and/ 

or receive a reasonable accommodation 

under sections 501, 504, and 701 of the 

Rehabilitation Act of 1973 and under 

the ADA Amendments of 2008; 

employees who request or receive 

personal assistance services under 

section 501, as amended, of the 

Rehabilitation Act; and employees who 

request and/or receive a reasonable 

accommodation for a sincerely held 

religious belief, practice, or observance 

under Title VII of the Civil Rights Act 

of 1964 and 29 CFR part 1605, 

respectively. This also includes 

authorized individuals or 

representatives (e.g., family member or 

attorney) who file requests for a 

reasonable accommodation on behalf of 

an applicant for employment, or who 

file requests for reasonable 

accommodations or personal assistance 

services on behalf of an employee, or 

other individual, as well as former 

employees who requested or received 

reasonable accommodations or personal 

assistance services during their 

employment with FHFA. 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Records may include requester’s 

name, contact information (i.e., address, 

telephone number, email address and 

any other information provided), or 

other unique identifier; requester’s 

authorized representative’s name and 

contact information (i.e., address, 

telephone number, email address and 

any other information provided); 

requester’s status (i.e., applicant, 

employee, or other); request date; job(s) 

(occupational series, grade level, and 

agency component) for which a 

reasonable accommodation or personal 

assistance service had been requested; 

other reasons for requesting a reasonable 

accommodation or personal assistance 

service; information concerning a 

sincerely held religious belief, practice, 

or observance and/or the nature of any 

religious accommodation request; 

information concerning the nature of 

any disability and the need for 

accommodation or assistance; 

appropriate medical or other 

documentation provided in support of 

the request; details of a reasonable 

accommodation or personal assistance 

service request to include: Type(s) of 

accommodation or assistance requested; 

whether the accommodation requested 

was pre-employment or during 

employment, or for some other reason; 

whether the assistance requested was 

during employment; how the requested 

accommodation would assist the 

individual in applying for a job, how the 

requested accommodation or assistance 

would assist the individual in 

performing current job functions, or 

meeting some other need/requirement; 

the amount of time taken to process the 

request; whether the request was 

granted or denied and, if denied, the 

reason for the denial; and the sources of 

any assistance consulted in trying to 

identify possible reasonable 

accommodations or providing personal 

assistance services. 

RECORD SOURCE CATEGORIES: 

Information is provided by applicants 

for employment, employees, other 

individuals requesting a religious 

accommodation, reasonable 

accommodation, personal assistance 

service, or and/or their authorized 

representatives, as well as individuals 

who are responsible for processing such 

requests. For any of the individuals 

above who are minors, the information 

may be provided by the individual’s 

parent or legal custodian. 


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17088 Federal Register / Vol. 87, No. 58 / Friday, March 25, 2022 / Notices 

ROUTINE USES OF RECORDS MAINTAINED IN THE

SYSTEM, INCLUDING CATEGORIES OF USERS AND

PURPOSES OF SUCH USES: 

In addition to those disclosures 

generally permitted under 5 U.S.C. 

552a(b) of the Privacy Act, these records 

or information contained therein may 

specifically be disclosed outside of 

FHFA as a routine use pursuant to 5 

U.S.C. 552a(b)(3) as follows, to the 

extent such disclosures are compatible 

with the purposes for which the 

information was collected: 

(1) To appropriate agencies, entities, 

and persons when—(a) FHFA suspects 

or has confirmed that there has been a 

breach of the system of records; (b) 

FHFA has determined that as a result of 

a suspected or confirmed breach there is 

a risk of harm to individuals, FHFA 

(including its information systems, 

programs, and operations), the Federal 

Government, or national security; and 

(c) the disclosure made to such 

agencies, entities, and persons as are 

reasonably necessary to assist with 

FHFA’s efforts to respond to a suspected 

or confirmed breach or to prevent, 

minimize, or remedy harm. 

(2) To another federal agency or 

federal entity, when FHFA determines 

that information from this system of 

records is reasonably necessary to assist 

the recipient agency or entity in: (a) 

Responding to a suspected or confirmed 

breach or; (b) preventing, minimizing, or 

remedying the risk of harm to 

individuals, the recipient agency or 

entity (including its information 

systems, programs, and operations), the 

Federal Government, or national 

security, resulting from a suspected or 

confirmed breach. 

(3) When there is an indication of a 

violation or potential violation of law, 

whether civil, criminal, or regulatory in 

nature, and whether arising by general 

statute or particular program statute, or 

by regulation, rule or order issued 

pursuant thereto, the relevant records in 

the system of records may be referred, 

as a routine use, to the appropriate 

agency, whether federal, state, local, 

tribal, foreign or a financial regulatory 

organization charged with the 

responsibility of investigating or 

prosecuting such violation or charged 

with enforcing or implementing a 

statute, or rule, regulation or order 

issued pursuant thereto. 

(4) To any individual during the 

course of any inquiry or investigation 

conducted by FHFA, or in connection 

with civil litigation, if FHFA has reason 

to believe that the individual to whom 

the record is disclosed may have further 

information about the matters related 

thereto, and those matters appeared to 

be relevant at the time to the subject 

matter of the inquiry. 

(5) To any individual with whom 

FHFA contracts to collect, store, or 

maintain, or reproduce, by typing, 

photocopy or other means, any record 

within this system for use by FHFA and 

its employees in connection with their 

official duties, or to any individual who 

is engaged by FHFA to perform clerical 

or stenographic functions relating to the 

official business of FHFA. 

(6) To members of advisory 

committees that are created by FHFA or 

by Congress to render advice and 

recommendations to FHFA or to 

Congress, to be used solely in 

connection with their official, 

designated functions. 

(7) To a Congressional office from the 

record of an individual in response to 

an inquiry from the Congressional office 

made at the request of that individual. 

(8) To consultants, contractor 

personnel, entities, vendors or 

suppliers, employees of other 

government agencies, whether federal, 

state or local, as necessary to make a 

decision on a request for 

accommodation or to implement the 

decision. 

(9) To a court, magistrate, or 

administrative tribunal in the course of 

presenting evidence, including 

disclosures to opposing counsel or 

witnesses in the course of civil 

discovery, litigation, or settlement 

negotiations or in connection with 

criminal law proceedings or in response 

to a subpoena from a court of competent 

jurisdiction, and when FHFA 

determines that the records are both 

relevant and necessary to the litigation. 

(10) To another federal agency or 

commission with responsibility for 

labor or employment relations or other 

issues, including equal employment 

opportunity and reasonable 

accommodation or personal assistance 

service issues, when that agency or 

commission has jurisdiction over 

reasonable accommodation or personal 

assistance service. 

(11) To the Office of Management and 

Budget, Department of Justice (DOJ), 

Department of Labor, Office of 

Personnel Management, Equal 

Employment Opportunity Commission, 

Office of Special Counsel, Merit 

Systems Protection Board or other 

federal agencies to obtain advice 

regarding statutory, regulatory, policy, 

and other requirements related to 

reasonable accommodation or personal 

assistance service. 

(12) To appropriate third parties 

contracted by FHFA to facilitate 

mediation or other dispute resolution 

procedures or programs. 

(13) To another federal agency or 

entity authorized to procure assistive 

technologies and services in response to 

a request for reasonable 

accommodation. 

(14) To outside counsel contracted by 

FHFA, DOJ, (including United States 

Attorney Offices), or other federal 

agencies conducting litigation or in 

proceedings before any court, 

adjudicative or administrative body, 

when it is necessary to the litigation and 

one of the following is a party to the 

litigation or has an interest in such 

litigation: 

a. FHFA; 

b. Any employee of FHFA in his/her 

official capacity; 

c. Any employee of FHFA in his/her 

individual capacity when DOJ or FHFA 

has agreed to represent the employee; or 

d. The United States or any agency 

thereof, is a party to the litigation or has 

an interest in such litigation, and FHFA 

determines that the records are both 

relevant and necessary to the litigation. 

(15) To the National Archives and 

Records Administration or other federal 

agencies pursuant to records 

management inspections being 

conducted under the authority of 44 

U.S.C. 2904 and 2906. 

(16) To an agency, organization, or 

individual for the purpose of performing 

audit or oversight operations as 

authorized by law, but only such 

information as is necessary and relevant 

to such audit or oversight function. 

POLICIES AND PRACTICES FOR STORAGE OF

RECORDS: 

Records are maintained in electronic 

or paper format. Electronic records are 

stored on FHFA’s secured network, 

FHFA-authorized cloud service 

providers and FHFA-authorized 

contractor networks located within the 

Continental United States. Paper records 

are stored in locked offices, locked file 

rooms, and locked file cabinets or safes. 

POLICIES AND PRACTICES FOR RETRIEVAL OF

RECORDS: 

Records may be retrieved by an 

individual’s name or some other unique 

identifier. 

POLICIES AND PRACTICES FOR RETENTION AND

DISPOSAL OF RECORDS: 

Records are retained and disposed of 

in accordance with National Archives 

and Records Administration (NARA’s) 

General Records Schedule 2.3, Item 020 

and FHFA’s Comprehensive Records 

Schedule, Item 5.3 Human Resources 

Records. 

ADMINISTRATIVE, TECHNICAL, AND PHYSICAL

SAFEGUARDS: 

Records are maintained in controlled 

access areas. Electronic records are 


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Federal Register / Vol. 87, No. 58 / Friday, March 25, 2022 / Notices 17089 

1 87 FR 6537 (February 4, 2022). 

protected by restricted access 

procedures, including user 

identifications and passwords. Only 

FHFA staff (and FHFA contractors 

assisting such staff) whose official 

duties require access are allowed to 

view, administer, and control these 

records. 

RECORD ACCESS PROCEDURES: 

See ‘‘Notification Procedures’’ below. 

CONTESTING RECORD PROCEDURES: 

See ‘‘Notification Procedures’’ below. 

NOTIFICATION PROCEDURES: 

Individuals seeking notification of 

any records about themselves contained 

in this system should address their 

inquiry to the Privacy Act Officer, via 

email to privacy@fhfa.gov or by mail to 

the Federal Housing Finance Agency, 

400 Seventh Street SW, Washington, DC 

20219, or in accordance with the 

procedures set forth in 12 CFR part 

1204. Please note that all mail sent to 

FHFA via the U.S. Postal Service is 

routed through a national irradiation 

facility, a process that may delay 

delivery by approximately two weeks. 

For any time-sensitive correspondence, 

please plan accordingly. 

EXEMPTIONS PROMULGATED FOR THE SYSTEM: 

None. 

HISTORY: 

The system of records was last 

published in full in the Federal Register 

at 83 FR 43677 (August 27, 2018). 

Clinton Jones, 

General Counsel, Federal Housing Finance 

Agency. 

[FR Doc. 2022–06310 Filed 3–24–22; 8:45 am] 

BILLING CODE 8070–01–P 

FEDERAL MARITIME COMMISSION 

Notice of Intent To Terminate 

The Commission gives notice that it 

intends to terminate the following 

agreement pursuant to 46 CFR 

501.17(h)(2) thirty days from 

publication of this notice. 

Agreement No.: 012022. 

Agreement Name: Discovery Cruise 

Line/Bernuth Lines Space Charter and 

Sailing Agreement. 

Reason for termination: Parties no 

longer registered Vessel Operating 

Common Carriers. 

Location: https://www2.fmc.gov/FMC.

Agreements.Web/Public/ 

AgreementHistory/1866. 

Dated: March 22, 2022. 

William Cody, 

Secretary. 

[FR Doc. 2022–06308 Filed 3–24–22; 8:45 am] 

BILLING CODE 6730–02–P 

FEDERAL RESERVE SYSTEM 

[Docket No. OP–1765] 

Framework for the Supervision of 

Insurance Organizations; Extension of 

Comment Period 

AGENCY: Board of Governors of the 

Federal Reserve System. 

ACTION: Notification of extension of 

comment period. 

SUMMARY: On February 4, 2022, the 

Board of Governors of the Federal 

Reserve System (Board), published in 

the Federal Register a proposed 

supervisory framework for depository 

institution holding companies that are 

significantly engaged in insurance 

activities, or supervised insurance 

organizations. The Board has 

determined that an extension of the 

comment period until May 5, 2022, is 

appropriate, and is therefore making 

that extension. 

DATES: Comments must be received by 

May 5, 2022. 

ADDRESSES: You may submit comments 

by any of the methods identified in the 

proposal. 

FOR FURTHER INFORMATION CONTACT: 

Thomas Sullivan, Senior Associate 

Director, (202) 475–7656; Matt Walker, 

Manager, (202) 872–4971; Brad Roberts, 

Lead Insurance Policy Analyst, (202) 

452–2204; or Joan Sullivan, Senior 

Insurance Policy Analyst, (202) 912– 

4670, Division of Supervision and 

Regulation; or Charles Gray, Deputy 

General Counsel, (202) 872–7589; 

Andrew Hartlage, Senior Counsel, (202) 

452–6483; or Christopher Danello, 

Senior Attorney, (202) 736–1960, Legal 

Division, Board of Governors of the 

Federal Reserve System, 20th and C 

Streets NW, Washington, DC 20551. For 

users of TTY–TRS, please call 711 from 

any telephone, anywhere in the United 

States. 

SUPPLEMENTARY INFORMATION: On 

February 4, 2022, the Board published 

in the Federal Register a proposed 

supervisory framework for depository 

institution holding companies that are 

significantly engaged in insurance 

activities, or supervised insurance 

organizations.1 The proposed 

framework would provide a supervisory 

approach that is designed specifically to 

reflect the differences between banking 

and insurance. Within the framework, 

the application of supervisory guidance 

and the assignment of supervisory 

resources would be based explicitly on 

a supervised insurance organization’s 

complexity and individual risk profile. 

The proposed framework would 

formalize the ratings applicable to these 

firms with rating definitions that reflect 

specific supervisory requirements and 

expectations. It would also emphasize 

the Board’s policy to rely to the fullest 

extent possible on work done by other 

relevant supervisors, describing, in 

particular, the way it will rely more 

fully on reports and other supervisory 

information provided by state insurance 

regulators to minimize the burden 

associated with supervisory duplication. 

The notice of proposed guidance 

stated that the comment period would 

close on April 5, 2022. The Board 

subsequently received a request to 

extend the comment period. An 

extension of the comment period will 

provide additional opportunity for the 

public to consider the proposal and 

prepare comments, including to address 

the questions posed by the Board in the 

proposal. Therefore, the Board is 

extending the end of the comment 

period for the proposal from April 5, 

2022, to May 5, 2022. 

By order of the Board of Governors of the 

Federal Reserve System, acting through the 

Secretary of the Board under delegated 

authority, March 21, 2022. 

Ann E. Misback, 

Secretary of the Board. 

[FR Doc. 2022–06286 Filed 3–24–22; 8:45 am] 

BILLING CODE 6210–01–P 

FEDERAL TRADE COMMISSION 

[File No. X170045] 

Electronic Payment Systems, LLC; 

Analysis of Proposed Consent Order 

To Aid Public Comment 

AGENCY: Federal Trade Commission. 

ACTION: Proposed consent agreement; 

request for comment. 

SUMMARY: The consent agreement in this 

matter settles alleged violations of 

federal law prohibiting unfair or 

deceptive acts or practices. The attached 

Analysis of Proposed Consent Order to 

Aid Public Comment describes both the 

allegations in the 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 25, 2022. 


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