5830 Federal Register / Vol. 90, No. 11 / Friday, January 17, 2025 / Notices 

Knowledge, Articles 12–13, 18. https://

www.wipo.int/edocs/mdocs/tk/en/gratk_dc/gratk_

dc_7.pdf. 

8According to WIPO, as of December 5, 2024, 

only Malawi had ratified or acceded to the Treaty. 

The Treaty will enter into force three 

months after it is ratified or acceded to 

by 15 eligible parties.8 Thereafter, 

Treaty provisions will apply in any 

Member State of WIPO that is or 

subsequently becomes a Contracting 

Party to the Treaty. This means, for 

example, that the Treaty’s required 

disclosure of the origin/source of GRs/ 

ATK will apply to all patent applicants 

who file an application in a Contracting 

Party, including those applicants who 

come from countries that have not 

ratified or acceded to the Treaty. 

Within the U.S. Government, the 

USPTO, based on authority delegated by 

the U.S. Department of State, takes the 

lead in the WIPO IGC among other 

Federal agencies and coordinates and 

develops U.S. positions on issues before 

the WIPO IGC. 

In addition to this request for 

comments and notice of hearing, the 

USPTO will conduct a Tribal 

Consultation to seek input from Tribes 

on the Treaty. Additional details about 

the Tribal Consultation can be found in 

a notice published in this issue of the 

Federal Register. 

II. Substantive Guidance on Comments 

and Testimony 

The USPTO welcomes any relevant, 

written comments or oral testimony on 

the topics described herein, particularly 

on the WIPO Treaty on Intellectual 

Property, Genetic Resources and 

Associated Traditional Knowledge, the 

text of which can be found on the WIPO 

website at: https://www.wipo.int/edocs/ 

mdocs/tk/en/gratk_dc/gratk_dc_7.pdf. 

The USPTO is especially interested in 

responses to the questions below. 

However, commenters or testifiers need 

not respond to every question and may 

provide relevant information even if it 

is not responsive to a particular 

question. Comments and testimony 

should be as detailed as possible and 

provide all necessary information to 

enable an objective assessment of the 

views expressed, including specific 

references to: laws, regulations, and 

policy statements; executive, 

presidential, or other orders; 

administrative, court, or other 

determinations; and available data (and 

associated methodology) regarding 

purported and potential impacts of 

policy decisions. 

1. In your view, should the United 

States sign and become a party to the 

WIPO Treaty on Intellectual Property, 

Genetic Resources and Associated 

Traditional Knowledge? In your 

response, please identify and explain 

your reasoning in detail, including legal 

and policy considerations. 

2. In your view, please explain 

whether the Treaty is consistent with 

existing U.S. patent law. In your 

response, please explain your legal 

reasoning and identify the provision(s) 

of the Treaty that you view as consistent 

or inconsistent with U.S. patent law. 

3. If, in your view, the Treaty is 

inconsistent with existing U.S. patent 

law, please identify and explain the 

change(s) to U.S. patent law necessary 

for compliance with the Treaty. In doing 

so, please describe any impact(s) of 

adopting such changes. 

4. In your view, please explain 

whether the Treaty is consistent with 

existing U.S. international obligations, 

including treaties, free trade agreements, 

and other binding international 

agreement(s). In your response, please 

explain your legal reasoning and 

identify any provision(s) of the Treaty 

that you view as consistent or 

inconsistent with specific U.S. 

international obligations. 

5. If the United States does not 

become a party to the Treaty, please 

identify any Treaty provision(s) you 

believe should be incorporated into U.S. 

patent law. In your response, please 

explain the reason(s) for and any 

impact(s) of incorporating the identified 

provision(s) into U.S. patent law. 

6. In your view, please identify and 

explain any impact(s) of implementing 

the Treaty in the United States on 

domestic and global innovation, 

including U.S. science and innovation 

leadership. 

7. In your view, please identify and 

explain any impact(s) of implementing 

the Treaty in the United States on 

businesses, consumers, investors, and 

the economy. 

8. Based on your experiences with 

other countries that require patent 

applicants to disclose the source or 

origin of GRs or ATK, please identify 

and explain any possible impact(s) of 

Treaty implementation in the United 

States. 

III. Additional Information on Hearing 

Speaking slots are limited, and the 

USPTO may be unable to honor all 

requests. If more requests to provide 

oral testimony are received than time 

allows, requesters will be invited to 

submit written comments. Time slots 

will be a maximum of five minutes each 

to allow for follow-up questions on 

testimony or corresponding comments. 

Speakers providing testimony at the 

hearing should submit a written copy of 

their testimony for inclusion in the 

record of the proceedings no later than 

April 22, 2025. Speakers will have one 

week following the hearing to submit 

any supplemental materials referenced 

during their testimony. Such materials 

must be submitted by email to Michael 

Buckler at michael.buckler@uspto.gov 

or, if email submission is not feasible 

due to a lack of access to a computer 

and/or the internet, by First-Class Mail 

or Priority Mail as indicated above. 

Before the hearing, an agenda of 

witness testimony will be sent to 

testifiers and posted on the OPIA 

section of the USPTO website, https:// 

www.uspto.gov/ip-policy. 

If time allows, the USPTO may permit 

unscheduled testimony at the hearing. 

The hearing will be physically 

accessible to people with disabilities. 

Individuals requiring accommodation, 

such as sign language interpretation or 

other ancillary aids, should 

communicate their needs to the person 

listed in the FOR FURTHER INFORMATION

CONTACT section of this notice at least 

seven business days prior to the hearing. 

A recording of the hearing will be 

posted on the OPIA section of the 

USPTO website, https://www.uspto.gov/ 

ip-policy, as soon as possible after the 

hearing. 

A transcript of the hearing will be 

available on the OPIA section of the 

USPTO website, https://www.uspto.gov/ 

ip-policy, as soon as possible after the 

hearing. 

Derrick L. Brent, 

Acting Under Secretary of Commerce for 

Intellectual Property and Acting Director of 

the United States Patent and Trademark 

Office. 

[FR Doc. 2025–01090 Filed 1–16–25; 8:45 am] 

BILLING CODE 3510–16–P 

CONSUMER FINANCIAL PROTECTION 

BUREAU 

[Docket No. CFPB–2025–0006] 

Agency Information Collection 

Activities: Comment Request 

AGENCY: Consumer Financial Protection 

Bureau. 

ACTION: Notice and request for comment. 

SUMMARY: In accordance with the 

Paperwork Reduction Act of 1995 

(PRA), the Consumer Financial 

Protection Bureau (CFPB) requests the 

Office of Management and Budget’s 

(OMB’s) approval of an information 

collection titled ‘‘Auto Loan Survey.’’ 

DATES: Written comments are 

encouraged and must be received on or 

before March 18, 2025 to be assured of 

consideration. 


KHAMMOND on DSK9W7S144PROD with NOTICES
Federal Register / Vol. 90, No. 11 / Friday, January 17, 2025 / Notices 5831 

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: CFPB_PRA@cfpb.gov. 

Include Docket No. CFPB–2025–0006 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. Because paper mail in the 

Washington, DC area and at the CFPB is 

subject to delay, commenters are 

encouraged to submit comments 

electronically. 

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: 

Requests for additional information 

should be directed to Anthony May, 

PRA Officer, at (304) 481–5511, 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: Auto Loan Survey. 

OMB Control Number: 3170–00XX. 

Type of Review: New information 

collection. 

Affected Public: Individuals or 

households. 

Estimated Number of Respondents: 

5,060. 

Estimated Total Annual Burden 

Hours: 1,670. 

Abstract: Under the Dodd-Frank Wall 

Street Reform and Consumer Protection 

Act, the Consumer Financial Protection 

Bureau (CFPB) is charged with 

researching, analyzing, and reporting on 

topics relating to the CFPB’s mission, 

including consumer behavior, consumer 

awareness, and developments in 

markets for consumer financial products 

and services. To improve its 

understanding of how consumers 

engage with financial markets, the CFPB 

has successfully used credit record data 

as a sampling frame to survey people 

about their experiences in consumer 

credit markets. 

The CFPB seeks approval for a new 

survey of auto loan borrowers. The 

survey will use the CFPB’s Consumer 

Credit Information Panel (CCIP) as the 

sampling frame. This survey will solicit 

information on the consumer’s 

experience related to auto purchases 

and loans including choosing a vehicle 

and financing, experiences with major 

vehicle expenses, experiences with loan 

servicing, and, if applicable, loan 

modification and repossession. This 

survey will augment the auto finance 

data pilot and linked CCIP data by 

providing information not available in 

either source such as consumer 

demographics, household income and 

assets, income or expense shocks, 

understanding of the auto financing 

market, expectations, and self-reported 

experiences with auto-loan origination 

and servicing. The survey will follow 

similar methods as in the CFPB’s prior 

Making Ends Meet Survey (approved 

under OMB Control Number 3170– 

0066) and Student Loan Survey 

(approved under OMB Control Number 

3170–0078) but sample a different 

population of borrowers and focus 

primarily on auto loans. The CFPB 

expects to recruit about 23,000 

participants to participate in the survey. 

Request for Comments: Comments are 

invited on: (a) Whether the collection of 

information is necessary for the proper 

performance of the functions of the 

CFPB, including whether the 

information will have practical utility; 

(b) The accuracy of the CFPB;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 

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 

summarized and/or included in the 

request for OMB’s approval. All 

comments will become a matter of 

public record. 

Anthony May, 

Paperwork Reduction Act Officer, Consumer 

Financial Protection Bureau. 

[FR Doc. 2025–01142 Filed 1–16–25; 8:45 am] 

BILLING CODE 4810–AM–P 

CONSUMER FINANCIAL PROTECTION 

BUREAU 

[Docket No. CFPB–2025–0004] 

Request for Information Regarding 

Consumer Credit Card Market 

AGENCY: Consumer Financial Protection 

Bureau. 

ACTION: Notice and request for 

information. 

SUMMARY: The Credit Card 

Accountability Responsibility and 

Disclosure Act of 2009 (CARD Act or 

Act) requires the Consumer Financial 

Protection Bureau (CFPB) to conduct a 

review (Review) of the consumer credit 

card market, within the limits of its 

existing resources available for reporting 

purposes. In connection with 

conducting that Review, and in 

accordance with the Act, the CFPB is 

soliciting information from the public 

about a number of aspects of the 

consumer credit card market as 

described further below. 

DATES: Comments must be submitted on 

or before April 17, 2025 to be assured 

of consideration. 

ADDRESSES: You may submit responsive 

information and other comments, 

identified by the document title and 

Docket No. CFPB–2025–0004, by any of 

the following methods: 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

• Email: 2025_

ConsumerCreditCardMarketRFI@

cfpb.gov. Include the document title and 

Docket No. CFPB–2025–0004 in the 

subject line of the message. 

• Mail/Hand Delivery/Courier: 

Comment Intake, Request for 

Information Regarding Consumer Credit 

Card Market, Consumer Financial 

Protection Bureau, c/o Legal Division 

Docket Manager, 1700 G Street NW, 

Washington, DC 20552. Because paper 

mail in the Washington, DC area and at 

the CFPB is subject to delay, 

commenters are encouraged to submit 

comments electronically. 

Instructions: The CFPB encourages 

the early submission of comments. All 

submissions should include the agency 

name and docket number for this 

request for information. Please note the 

number of the topic on which you are 

commenting at the top of each response 

(you do not need to address all topics.) 

In general, all comments received will 

be posted without change to http://

www.regulations.gov. All comments, 

including attachments and other 

supporting materials, will become part 

of the public record and subject to 

public disclosure. Sensitive personal 

information, such as account numbers 

or Social Security numbers, should not 

be included. Comments generally will 

not be edited to remove any identifying 

or contact information. 

FOR FURTHER INFORMATION CONTACT: 

Daniel Martinez, Consumer Credit, 

Payments, and Deposits Markets Senior 


KHAMMOND on DSK9W7S144PROD with NOTICES