Federal Register / Vol. 90, No. 11 / Friday, January 17, 2025 / Notices 5833 

evolved since the CFPB’s prior Review 

of the product in 2021? 

d. What are the practices and metrics 

of ‘‘issuers who specialize in providing 

credit cards to consumers with lower 

credit scores? How are credit card-as-aservice partnerships changing the cost 

and availability of credit for consumers? 

e. How are consumers’ credit needs 

evolving? How are consumers’ spending 

patterns changed over time and reflect 

the demand for credit? Are non-prime 

consumers transacting more on essential 

goods and services? 

f. How are paper statement fees 

impacting the cost of credit? What 

proportion of consumers receive paper 

statements? 

g. How is competition in the 

consumer credit card market changing? 

How has the CARD Act (positively or 

negatively) impacted competition 

between credit card issuers? How, if at 

all, do these changes and impacts relate 

to the cost or availability of consumer 

credit cards? 

(5) The safety and soundness of credit 

card issuers 

a. How is the credit cycle evolving? 

What, if any, safety and soundness risks 

are present or growing in this market, 

and which entities are 

disproportionately affected by these 

risks? How, if at all, do these safety and 

soundness risks to entities result from or 

otherwise relate to long-term 

indebtedness on the part of some 

consumers, or changes in consumers’ 

ability to manage their debts? Has the 

impact of the CARD Act on safety and 

soundness changed over the past two 

years? 

(6) The use of risk-based pricing for 

consumer credit cards 

a. How has the use of risk-based 

pricing for consumer credit cards 

changed since the CFPB reported on the 

credit card market in 2023? What has 

driven those changes or lack of changes? 

Has the impact of the CARD Act on riskbased pricing changed over the past two 

years? 

b. How have CARD Act provisions 

relating to risk-based pricing impacted 

(positively or negatively) the evolution 

of practices in this market? 

c. Are changes in consumers’ credit 

scores leading to both upward and 

downward APR repricing? Are 

incidence in one direction more 

common than the other? 

(7) Consumer credit card product 

innovation 

a. How has credit card product 

innovation changed since the CFPB 

reported on the credit card market in 

2023? What has driven those changes or 

lack of changes? Has the impact of the 

CARD Act on product innovation 

changed over the past two years? 

b. How have broader innovations in 

finance, such as (but not limited to) new 

products and entrants offering unique 

features, evolving digital tools, greater 

availability of and new applications for 

consumer data, and new technological 

tools (like artificial intelligence), 

impacted the consumer credit card 

market, either directly or indirectly? In 

what ways do CARD Act provisions 

encourage or discourage innovation? In 

what ways do innovations increase or 

decrease the impact of certain CARD 

Act provisions, or change the nature of 

those impacts? 

Rohit Chopra, 

Director, Consumer Financial Protection 

Bureau. 

[FR Doc. 2025–01201 Filed 1–16–25; 8:45 am] 

BILLING CODE 4810–AM–P 

CONSUMER FINANCIAL PROTECTION 

BUREAU 

[Docket No. CFPB–2025–0007] 

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 

extension of the Office of Management 

and Budget’s (OMB’s) approval for an 

existing information collection, titled 

‘‘Generic Information Collection Plan 

for the Collection of Qualitative 

Feedback on Bureau Service Delivery,’’ 

approved under OMB Control Number 

3170–0024. 

DATES: Written comments are 

encouraged and must be received on or 

before March 18, 2025 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: CFPB_PRA@cfpb.gov. 

Include Docket No. CFPB–2025–0007 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. 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: Generic 

Information Collection Plan for the 

Collection of Qualitative Feedback on 

Bureau Service Delivery. 

OMB Control Number: 3170–0024. 

Type of Review: Extension of a 

currently approved information 

collection. 

Affected Public: Individuals and 

households; private sector; and State, 

Local, and Tribal Governments. 

Estimated Number of Respondents: 

500,000. 

Estimated Total Annual Burden 

Hours: 125,000. 

Abstract: This generic information 

collection plan provides for the 

collection of qualitative feedback from 

consumers, financial institutions, and 

stakeholders on a wide range of services 

the CFPB provides in an efficient, 

timely, manner in accordance with the 

CFPB’s commitment to improving 

service delivery. By qualitative 

feedback, the CFPB means information 

that provides useful insights on, for 

example, comprehension, usability, 

perceptions, and opinions, but are not 

statistical surveys that yield quantitative 

results that can be generalized to the 

population of study. The CFPB expects 

this feedback to include insights into 

consumer, financial institution or 

stakeholder perceptions, experiences, 

and expectations, provide an early 

warning of issues with service, or focus 

attention on areas where 

communication, training or changes in 

operations might improve delivery of 

products or services. These collections 

will allow for ongoing, collaborative, 

and actionable communications 

between the CFPB and consumers, 

financial institutions, and stakeholders. 

It will also allow feedback to contribute 

directly to the improvement of program 

management. 


KHAMMOND on DSK9W7S144PROD with NOTICES
5834 Federal Register / Vol. 90, No. 11 / Friday, January 17, 2025 / Notices 

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. 2025–01140 Filed 1–16–25; 8:45 am] 

BILLING CODE 4810–AM–P 

CORPORATION FOR NATIONAL AND 

COMMUNITY SERVICE 

Agency Information Collection 

Activities; Comment Request; Days of 

Service Project Collection Tool 

AGENCY: Corporation for National and 

Community Service. 

ACTION: Notice of information collection; 

request for comment. 

SUMMARY: In accordance with the 

Paperwork Reduction Act of 1995, the 

Corporation for National and 

Community Service (operating as 

AmeriCorps) is proposing to renew an 

information collection. 

DATES: Written comments must be 

submitted to the individual and office 

listed in the ADDRESSES section by 

March 18, 2025. 

ADDRESSES: You may submit comments, 

identified by the title of the information 

collection activity, by any of the 

following methods: 

(1) Electronically through 

www.regulations.gov (preferred 

method). 

(2) By mail sent to: AmeriCorps, 

Attention Rhonda Taylor, 250 E Street 

SW, Washington, DC 20525. 

(3) By hand delivery or by courier to 

the AmeriCorps mailroom at the mail 

address given in paragraph (2) above, 

between 9 a.m. and 4 p.m. eastern time, 

Monday through Friday, except Federal 

holidays. 

Comments submitted in response to 

this notice may be made available to the 

public through regulations.gov. For this 

reason, please do not include in your 

comments information of a confidential 

nature, such as sensitive personal 

information or proprietary information. 

If you send an email comment, your 

email address will be automatically 

captured and included as part of the 

comment that is placed in the public 

docket and made available on the 

internet. Please note that responses to 

this public comment request containing 

any routine notice about the 

confidentiality of the communication 

will be treated as public comment that 

may be made available to the public, 

notwithstanding the inclusion of the 

routine notice. 

FOR FURTHER INFORMATION CONTACT: 

Rhonda Taylor, (202) 355–2202 or by 

email at RTaylor@americorps.gov. 

SUPPLEMENTARY INFORMATION: 

Title of Collection: Days of Service 

Project Collection Tool. 

OMB Control Number: 3045–0122. 

Type of Review: Renewal. 

Respondents/Affected Public: 

Businesses and organizations. 

Total Estimated Number of Annual 

Responses: 100,000. 

Total Estimated Number of Annual 

Burden Hours: 17,000. 

Abstract: AmeriCorps is soliciting 

comments concerning the proposed 

renewal of its Days of Service Project 

Tool, which allows organizers of 

volunteer events to register their service 

projects associated with Martin Luther 

King, Jr., Service Day, September 11th 

Day of Service, and other volunteer 

events. Respondents include national 

service grantees, corporations, volunteer 

organizations, government entities, and 

individuals. AmeriCorps wants to help 

promote Days of Service and other 

relevant volunteer activities across the 

country and also to assess the impact of 

the agency’s initiatives. Information 

provided is purely voluntary and will 

not be used for any grant or funding 

support. The current application is due 

to expire on March 31, 2025. Comments 

submitted in response to this notice will 

be summarized and/or included in the 

request for OMB approval. 

Comments are invited on: (a) Whether 

the collection of information is 

necessary for the proper performance of 

the functions of the agency, including 

whether the information shall have 

practical utility; (b) the accuracy of the 

agency’s estimate of the burden of the 

collection of information; (c) ways to 

enhance the quality, utility, and clarity 

of the information to be collected; (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; 

and (e) estimates of capital or start-up 

costs and costs of operation, 

maintenance, and purchase of services 

to provide information. Burden means 

the total time, effort, or financial 

resources expended by persons to 

generate, maintain, retain, disclose or 

provide information to or for a Federal 

agency. This includes the time needed 

to review instructions; to develop, 

acquire, install and utilize technology 

and systems for the purpose of 

collecting, validating and verifying 

information, processing and 

maintaining information, and disclosing 

and providing information; to train 

personnel and to be able to respond to 

a collection of information, to search 

data sources, to complete and review 

the collection of information; and to 

transmit or otherwise disclose the 

information. All written comments will 

be available for public inspection on 

regulations.gov. 

Rhonda Taylor, 

Director of Partnerships and Program 

Engagement. 

[FR Doc. 2025–01093 Filed 1–16–25; 8:45 am] 

BILLING CODE 6050–28–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

[Docket ID: DoD–2022–OS–0113] 

Submission for OMB Review; 

Comment Request 

AGENCY: Office of the Under Secretary of 

Defense for Personnel and Readiness 

(OUSD (P&R)), Department of Defense 

(DoD). 

ACTION: 30-Day information collection 

notice. 

SUMMARY: The DoD has submitted to the 

Office of Management and Budget 

(OMB) for clearance the following 

proposal for collection of information 

under the provisions of the Paperwork 

Reduction Act. 

DATES: Consideration will be given to all 

comments received by February 18, 

2025. 

ADDRESSES: Written comments and 

recommendations for the proposed 

information collection should be sent 

within 30 days of publication of this 

notice to www.reginfo.gov/public/do/ 

PRAMain. Find this particular 

information collection by selecting 

‘‘Currently under 30-day Review—Open 


KHAMMOND on DSK9W7S144PROD with NOTICES