Federal Register / Vol. 90, No. 3 / Monday, January 6, 2025 / Notices 613 

24The final rule is available at: cfpb_overdraftregulatory-text-and-commentary_2024–12.pdf. 

25The Decision and Order is available at: cfpb_

Publication-Redacted-Decision-and-OrderDesignating-Google-Payment-for-Su_6EZQyMz.pdf. 

26The final rule, as published in the Federal 

Register, 89 FR 99582 (Dec. 10, 2024). 

underlying technology failures and their 

consequences provided no discernible 

benefit to consumers or competition. 

3. Supervisory Developments 

Set forth below are select supervision 

program developments including final 

rules and orders that have been issued 

since the last edition of Supervisory 

Highlights. 

3.1.1 CFPB Issues Final Rule 

Governing Overdraft Lending at Very 

Large Financial Institutions 

On December 12, 2024, the CFPB 

issued a final rule related to overdraft 

lending.24 The final rule updates the 

Federal regulations governing overdraft 

fees for financial institutions with more 

than $10 billion in assets. Extensions of 

overdraft credit provided by these 

institutions will now adhere to the 

consumer protections required of 

similarly situated products, unless the 

overdraft fee is $5 or less, or otherwise 

only recovers estimated costs and 

losses. The rule will allow consumers to 

better comparison shop across credit 

products and provides substantive 

protections that apply to other 

consumer credit. 

3.1.2 CFPB Orders Federal 

Supervision of Google Following 

Contested Designation 

On December 6, 2024, the CFPB 

published an order establishing 

supervisory authority over Google 

Payment Corp.25 This was the CFPB’s 

second supervisory designation order in 

a contested matter. While Google 

Payment Corp. is already subject to 

CFPB’s enforcement jurisdiction, the 

CFPB determined that Google Payment 

Corp. met the legal requirements for 

supervision. 

3.1.3 CFPB Issues Final Rule Defining 

Larger Participants of a Market For 

General-Use Digital Consumer Payment 

Applications 

On November 21, 2024, the CFPB 

issued a final rule to establish authority 

over nonbank covered persons that are 

larger participants of a market for 

providing general-use digital consumer 

payment applications.26 The rule, 

which takes effect January 9, 2025, will 

allow the CFPB to supervise these firms, 

which provide widely-used payment 

wallet and funds transfer apps. Nonbank 

firms qualify as larger participants if 

their general-use digital consumer 

payment applications facilitate more 

than 50 million consumer payment 

transactions denominated in U.S. 

dollars per year and they are not small 

business concerns as defined by Small 

Business Administration regulations. 

The CFPB estimates that nonbank larger 

participants in this market collectively 

facilitated over 13 billion such 

consumer payment transactions 

annually. The rule will help the CFPB 

to ensure that these companies follow 

Federal consumer financial law just like 

large banks and credit unions already 

supervised by the CFPB. The rule also 

will help the CFPB to detect and assess 

risks to consumers and markets 

including emerging risks. 

Rohit Chopra, 

Director, Consumer Financial Protection 

Bureau. 

[FR Doc. 2024–31670 Filed 1–3–25; 8:45 am] 

BILLING CODE 4810–AM–P 

CONSUMER PRODUCT SAFETY 

COMMISSION 

[Docket No. CPSC–2024–0045] 

Agency Information Collection 

Activities; Proposed Collection; 

Comment Request; Bathtub Slip 

Resistance Study 

AGENCY: Consumer Product Safety 

Commission. 

ACTION: Notice of information collection; 

request for comment. 

SUMMARY: As required by the Paperwork 

Reduction Act of 1995, the Consumer 

Product Safety Commission (CPSC or 

Commission) requests comments on a 

request for approval from the Office of 

Management and Budget (OMB) for a 

new information collection. The 

proposed collection is a bathtub slip 

resistance study to support work on a 

voluntary Safety Standard for Bathtub 

and Shower Structure. Before CPSC can 

collect this information from the public, 

it must solicit public comment on this 

proposed collection of information and 

receive OMB approval. This notice 

describes the collection of information 

for which CPSC intends to seek OMB 

approval. 

DATES: Submit comments on the 

collection of information by March 7, 

2025. 

ADDRESSES: You may submit comments, 

identified by Docket No. CPSC–2024– 

0045, within 60 days of publication of 

this notice by any of the following 

methods: 

Electronic Submissions: Submit 

electronic comments to the Federal 

eRulemaking Portal at: http://

www.regulations.gov. Follow the 

instructions for submitting comments. 

Do not submit through this website: 

confidential business information, trade 

secret information, or other sensitive or 

protected information that you do not 

want to be available to the public. The 

Commission typically does not accept 

comments submitted by email, except as 

described below. 

Mail/hand delivery/courier/written 

submissions: CPSC encourages you to 

submit electronic comments by using 

the Federal eRulemaking Portal. You 

may, however, submit comments by 

mail/hand delivery/courier to: Office of 

the Secretary, Consumer Product Safety 

Commission, 4330 East West Highway, 

Bethesda, MD 20814; telephone (301) 

504–7923. 

Instructions: All submissions received 

must include the agency name and 

docket number for this notice. CPSC 

may post all comments without change, 

including any personal identifiers, 

contact information, or other personal 

information provided, to: http://

www.regulations.gov. If you wish to 

submit confidential business 

information, trade secret information, or 

other sensitive or protected information 

that you do not want to be available to 

the public, you may submit such 

comments by mail, hand delivery, or 

courier, or you may email them to cpscos@cpsc.gov. 

Docket: For access to the docket to 

read background documents or 

comments received, go to: https://

www.regulations.gov, insert docket 

number CPSC–2024–0045 into the 

‘‘Search’’ box, and follow the prompts. 

FOR FURTHER INFORMATION CONTACT: 

Cynthia Gillham, Consumer Product 

Safety Commission, 4330 East West 

Highway, Bethesda, MD 20814; (301) 

504–7791, or by email to: pra@cpsc.gov. 

SUPPLEMENTARY INFORMATION: Under the 

Paperwork Reduction Act of 1995 (44 

U.S.C. 3501–3521), before an agency 

submits a proposed collection of 

information to OMB for approval, it 

must first publish a document in the 

Federal Register providing a 60-day 

comment period and otherwise consult 

with members of the public and affected 

agencies concerning the proposed 

collection of information. In this notice 

we provide the estimated burden 

associated with a bathtub slip resistance 

study necessary to update information 

to support work on a voluntary Safety 

Standard for Bathtub and Shower 

Structure to replace ASTM F462, 

Standard Consumer Safety 


khammond on DSK9W7S144PROD with NOTICES
614 Federal Register / Vol. 90, No. 3 / Monday, January 6, 2025 / Notices 

1ASTM F462–79 Standard Consumer Safety 

Specification for Slip-Resistant Bathing Facilities 

(2007) (withdrawn 2016), available at https://

www.astm.org/f0462-79r07.html. 

2On December 26, 2024, the Commission voted 

(5–0) to publish this notice. 

3Chowdhury et al., U.S. Consumer Prod. Safety 

Comm’n., Consumer Product-related Injuries and 

Deaths Among Adults 65 Years of Age and Older, 

67–68 (2021), available at https://tinyurl.com/ 

2t88v33m. 

Specification for Slip-Resistant Bathing 

Facilities, which ASTM withdrew in 

2016.1 Under the PRA, an agency must 

publish the following information: 

• A title for the collection of 

information; 

• A summary of the collection of 

information; 

• A brief description of the need for 

the information and the proposed use of 

the information; 

• A description of the likely 

respondents and proposed frequency of 

response to the collection of 

information; 

• An estimate of the burden that will 

result from the collection of 

information; and 

• Notice that comments may be 

submitted to the agency and OMB. 

44 U.S.C. 3507(a)(1)(D). In accordance 

with this requirement, the Commission 

provides the following information: 2

Title: Bathtub Slip Resistance Study. 

OMB Number: New. 

Type of Request: New information 

collection requirement. 

Type of Review Requested: Regular. 

Requested Expiration Date of 

Approval: Three years from date of 

approval. 

Summary of the Collection of 

Information: The objective of this study 

is to conduct human slip research on 

three bathtubs on the market and to 

measure the friction demand of 

participants stepping into and out of the 

bathtubs when dry and wet. CPSC 

contracted with Arizona State 

University (ASU) to conduct this study. 

Participants will be recruited from the 

Phoenix, Arizona metro area. The 

experiments will be conducted at ASU’s 

Locomotion Research Laboratory. The 

study will involve a total of three 

sessions to test three bathtub surfaces, 

where participants will walk into the 

tub and step out, while wearing fall 

arresting harness systems for safety. 

During these sessions, resistance forces 

under the foot and motion of the foot 

movements will be measured. The study 

will quantify the minimum frictional 

performance required for a bathing 

surface to reduce slips and falls. CPSC 

staff will share the results of the study 

with the ASTM F15.03 Committee on 

Safety Standards for Bathtub and 

Shower Structure working on replacing 

ASTM F462. 

Description of the Need for the 

Information and Proposed Use of the 

Information: Falls are the leading cause 

of injury and death for older adults 65 

and older.3 Information collected as part 

of the bathtub slip resistance study is 

needed initially to support CPSC staff in 

efforts to work with the ASTM F15.03 

Committee on Safety Standards for 

Bathtub and Shower Structures to 

replace the obsolete ASTM F462 

standard for bathing surface friction that 

ASTM withdrew in 2016. This study 

will be used to inform CPSC staff of 

major requirements needed to achieve 

an efficient and effective slip-resistance 

standard. 

Affected Public: Adults between ages 

18 and 95 years old. 

Estimated Number of Respondents: 

We expect up to 200 respondents 

annually. Over the full authorized 

period of the study, which is three 

years, up to 600 respondents may 

participate. 

Frequency: One. 

Total Estimated Annual Burden: 

Though response times will vary, on 

average, it will take 2.5 hours for 

respondents to fully participate in the 

study. Therefore, the annual estimated 

response burden is 500 hours (200 

responses × 2.5 hours per response). 

Total Estimated Annual Burden Cost: 

There are no costs to respondents and 

no respondent recordkeeping 

requirements associated with the study. 

There are no operating, maintenance, or 

capital costs associated with the 

collection. Participants will receive 

$100 for participation in the study. 

Request for Comments: 

CPSC requests that interested parties 

submit comments regarding this 

proposed information collection (see the 

ADDRESSES section at the beginning of 

this notice). Pursuant to 44 U.S.C. 

3506(c)(2)(A), the Commission 

specifically invites comments on: 

• Whether the proposed collection of 

information is necessary for the proper 

performance of CPSC’s functions, 

including whether the information will 

have practical utility; 

• The accuracy of CPSC’s estimate of 

the burden of the proposed collection of 

information; 

• Ways to enhance the quality, utility, 

and clarity of the information the 

Commission proposes to collect; and 

• Ways to minimize the burden of the 

collection of information on 

respondents, including through the use 

of automated collection techniques 

when appropriate, and other forms of 

information technology. 

Alberta E. Mills, 

Secretary, Consumer Product Safety 

Commission. 

[FR Doc. 2024–31623 Filed 1–3–25; 8:45 am] 

BILLING CODE 6355–01–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

[Transmittal No. 23–73] 

Arms Sales Notification 

AGENCY: Defense Security Cooperation 

Agency, Department of Defense(DoD). 

ACTION: Arms sales notice. 

SUMMARY: The DoD is publishing the 

unclassified text of an arms sales 

notification. 

FOR FURTHER INFORMATION CONTACT: 

Pamela Young at (703) 953–6092, 

pamela.a.young14.civ@mail.mil, or 

dsca.ncr.rsrcmgmt.list.cns-mbx@

mail.mil. 

SUPPLEMENTARY INFORMATION: This 

36(b)(1) arms sales notification is 

published to fulfill the requirements of 

section 155 of Public Law 104–164 

dated July 21, 1996. The following is a 

copy of a letter to the Speaker of the 

House of Representatives with attached 

Transmittal 23–73, Policy Justification, 

and Sensitivity of Technology. 

Dated: December 31, 2024. 

Stephanie J. Bost, 

Alternate OSD Federal Register Liaison 

Officer, Department of Defense. 

BILLING CODE 6001–FR–P 


khammond on DSK9W7S144PROD with NOTICES