1128 Federal Register / Vol. 90, No. 4 / Tuesday, January 7, 2025 / Notices 

1Red Flags Rule, 16 CFR 681.1; Card Issuers Rule, 

16 CFR 681.2; Address Discrepancy Rule, 16 CFR 

part 641. 

2Public Law 111–203 (2010). 

3Red Flag Program Clarification Act of 2010, 15 

U.S.C. 1681m(e)(4). 

4See https://www.regulations.gov/comment/FTC2022-0010-0004; https://www.regulations.gov/ 

comment/FTC-2022-0010-0003. 

ADDRESSES: The policy statement can be 

found at the following link: https://

www2.fmc.gov/readingroom/ 

proceeding/24-29/. 

FOR FURTHER INFORMATION CONTACT: 

David Eng, Secretary; Phone: (202) 523– 

5725; Email: Secretary@fmc.gov. 

SUPPLEMENTARY INFORMATION: On 

January 2, 2025, the Commission issued 

a policy statement to provide guidance 

to shippers and other third parties on 

bringing class action complaints at the 

Commission. As the policy statement 

explains, class action complaints are not 

precluded by Title 46 or the 

Commission’s interpretation of the 

statute. In accordance with 46 CFR 

502.12, the Commission may follow the 

Federal Rules of Civil Procedure ‘‘for 

situations which are not covered by a 

specific Commission rule . . . to the 

extent that they are consistent with 

sound administrative practice.’’ The 

Commission may use the procedures of 

Rule 23 of the Federal Rules of Civil 

Procedure to evaluate class action 

complaints filed with the Commission 

because the requirements under 

§ 502.12 are satisfied. 

The policy statement can be found at 

the following link: https://

www2.fmc.gov/readingroom/ 

proceeding/24-29/. 

This document is issued under 

authority of 5 U.S.C. 552, 46 U.S.C. 

46105 and 46 CFR 502.12. 

By the Commission. 

David Eng, 

Secretary. 

[FR Doc. 2025–00074 Filed 1–6–25; 8:45 am] 

BILLING CODE 6730–02–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 received are subject to 

public disclosure. In general, comments 

received will be made available without 

change and will not be modified to 

remove personal or business 

information including confidential, 

contact, or other identifying 

information. Comments should not 

include any information such as 

confidential information that would not 

be appropriate for public disclosure. 

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 January 22, 2025. 

A. Federal Reserve Bank of Atlanta 

(Erien O. Terry, Assistant Vice 

President) 1000 Peachtree Street NE, 

Atlanta, Georgia 30309. Comments can 

also be sent electronically to 

Applications.Comments@atl.frb.org: 

1. Linda M. Young and Nathaniel J. 

Pierson, both of Fort Payne, Alabama, 

and Chris Y. Pierson, Valley Head, 

Alabama; to join the Young Family 

Control Group, a group acting in 

concert, to retain voting shares of FBDC 

Financial Corp., and thereby indirectly 

retain voting shares of First Fidelity 

Bank, both of Fort Payne, Alabama. 

Board of Governors of the Federal Reserve 

System. 

Michele Taylor Fennell, 

Associate Secretary of the Board. 

[FR Doc. 2025–00075 Filed 1–6–25; 8:45 am] 

BILLING CODE P 

FEDERAL TRADE COMMISSION 

Agency Information Collection 

Activities; Submission for OMB 

Review; Comment Request; Extension 

AGENCY: Federal Trade Commission. 

ACTION: Notice. 

SUMMARY: The Federal Trade 

Commission (‘‘FTC’’ or ‘‘Commission’’) 

requests that the Office of Management 

and Budget (‘‘OMB’’) extend for an 

additional three years the current 

Paperwork Reduction Act (‘‘PRA’’) 

clearance for information collection 

requirements contained in the Red 

Flags, Card Issuers, and Address 

Discrepancy Rules (‘‘Rules’’). That 

clearance expires on January 31, 2025. 

DATES: Comments must be filed by 

February 6, 2025. 

ADDRESSES: Interested parties may file a 

comment online or on paper, by 

following the instructions in the 

Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. 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 

for Public Comments’’ or by using the 

search function. 

FOR FURTHER INFORMATION CONTACT: 

Whitney Moore, Attorney, Division of 

Division of Privacy and Identity 

Protection, Bureau of Consumer 

Protection, Federal Trade Commission, 

Mail Code CC–8232, 600 Pennsylvania 

Avenue NW, Washington, DC 20580, 

(202) 326–2645. 

SUPPLEMENTARY INFORMATION: 

A. Background and Comments 

The FTC’s Office of Management and 

Budget (‘‘OMB’’) clearance (OMB 

Control No.: 3084–0137) for the 

collection of information under the Red 

Flags, Card Issuers, and Address 

Discrepancy Rules (‘‘Rules’’),1 which 

implement sections 114 and 315 of the 

Fair and Accurate Credit Transactions 

Act of 2003 (‘‘FACT Act’’), as amended 

by the Dodd-Frank Wall Street Reform 

and Consumer Protection Act (‘‘DoddFrank Act’’) 2 and the Red Flags Program 

Clarification Act of 2010 (‘‘Clarification 

Act’’),3 is set to expire on January 31, 

2025. Accordingly, on August 22, 2024, 

the Commission published a Federal 

Register Notice seeking public comment 

on the proposal to renew this OMB 

clearance for an additional three-year 

period. See 89 FR 67938 (Aug. 22, 

2024). In response to the Federal 

Register Notice, the Commission 

received two germane comments. 

The two comments were generally 

supportive of the information collection, 

although the two commenters indicated 

that they believe that the federal 

government’s efforts in the context of 

personal data protections should be 

expanded.4 The Commission thanks the 

commenters for their submissions, and 

notes that the Commission has also 


ddrumheller on DSK120RN23PROD with NOTICES1
Federal Register / Vol. 90, No. 4 / Tuesday, January 7, 2025 / Notices 1129 

5See, e.g., A Look Behind the Screens: Examining 

the Data Practices of Social Media and Video 

Streaming Services (Sept. 11, 2024), https://

www.ftc.gov/system/files/ftc_gov/pdf/Social-Media6b-Report-9-11-2024.pdf (recommending that 

Congress enact comprehensive federal privacy 

legislation that limits surveillance and grants 

consumers data rights). 

6 15 U.S.C. 1681m(e)(4). 

7 Id. 

supported greater personal data 

protections for American consumers by, 

among other things, encouraging 

Congress to enact comprehensive 

federal privacy legislation.5 However, 

such initiatives would be beyond the 

scope of this PRA renewal request. 

Accordingly, for the foregoing reasons, 

the Commission declines to make any 

adjustments to its prior burden 

estimates or to modify its initial 

proposal. 

B. Overview of Information Collection 

Title of Collection: Red Flags Rule, 16 

CFR 681.1; Card Issuers Rule, 16 CFR 

681.2; Address Discrepancy Rule, 16 

CFR part 641. 

OMB Control Number: 3084–0137. 

Type of Review: Extension of 

currently approved collection. 

Abstract: The Red Flags Rule requires 

financial institutions and certain 

creditors to develop and implement 

written Identity Theft Prevention 

Programs. The Card Issuers Rule 

requires credit and debit card issuers to 

assess the validity of notifications of 

address changes under certain 

circumstances. The Address 

Discrepancy Rule provides guidance on 

what covered users of consumer reports 

must do when they receive a notice of 

address discrepancy from a nationwide 

consumer reporting agency. 

Collectively, these three anti-identity 

theft provisions are intended to prevent 

impostors from misusing another 

person’s personal information for a 

fraudulent purpose. The Rules 

implement sections 114 and 315 of the 

FACT Act. 

Affected Public 

Red Flags Rule: Utilities; motor 

vehicle dealerships; 

telecommunications firms; colleges and 

universities; hospitals; nursing homes; 

public warehouse and storage firms; fuel 

dealers; financial transaction processing 

firms; certain creditors; 6 and other 

categories of persons that qualify as 

financial institutions. 

Card Issuers Rule: State-chartered 

credit unions; general merchandise 

stores; colleges and universities; 

telecommunications firms; and certain 

creditors.7

Address Discrepancy Rule: Users of 

consumer reports that are motor vehicle 

dealers described in section 1029(a) of 

the Dodd-Frank Act, 12 U.S.C. 5519, 

and that are predominantly engaged in 

the sale and servicing of motor vehicles, 

the leasing and servicing of them, or 

both. 

Estimated Number of Respondents: 

238,942 (165,494 for Red Flags Rule + 

18,500 for Card Issuers Rule + 54,948 for 

Address Discrepancy Rule). 

Estimated Annual Burden Hours: 

398,479 hours (358,124 hours for Red 

Flags Rule + 18,608 hours for Card 

Issuers Rule + 21,747 hours for Address 

Discrepancy Rule). 

Estimated Annual Labor Costs: 

$22,350,652 ($21,850,471 for Red Flags 

and Card Issuers Rule + $500,181 for 

Address Discrepancy Rule). 

Estimated Annual Non-Labor Costs: 

$0. 

C. Request for Comment 

On August 22, 2024, the FTC sought 

public comment on the information 

collection requirements associated with 

the Rules. 89 FR 67938 (Aug. 22, 2024). 

Two germane comments were received 

during the first public comment period 

and are addressed above. Pursuant to 

OMB regulations, 5 CFR part 1320, that 

implement the PRA, 44 U.S.C. 3501 et 

seq., the FTC is providing this second 

opportunity for public comment while 

seeking OMB approval to renew the preexisting clearance for the Rules. For 

more details about the Rules’ 

requirements and the basis for the 

calculations summarized above, see 89 

FR 67938. 

Your comment—including your name 

and your state—will be placed on the 

public record of this proceeding. 

Because your comment will be made 

public, you are solely responsible for 

making sure that your comment does 

not include any sensitive personal 

information, such as anyone’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 ensuring 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 ‘‘[t]rade secret or 

any commercial or financial information 

which is . . . privileged or 

confidential’’—as provided in 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. 

Josephine Liu, 

Assistant General Counsel for Legal Counsel. 

[FR Doc. 2025–00008 Filed 1–6–25; 8:45 am] 

BILLING CODE 6750–01–P 

GOVERNMENT ACCOUNTABILITY 

OFFICE 

Request for Medicare Payment 

Advisory Commission (MedPAC) 

Nominations 

AGENCY: Government Accountability 

Office. 

ACTION: Request for letters of 

nomination and resumes. 

SUMMARY: The Balanced Budget Act of 

1997 established the Medicare Payment 

Advisory Commission (MedPAC) and 

gave the Comptroller General of the 

United States responsibility for 

appointing its members. The 

Government Accountability Office 

(GAO) is now accepting nominations for 

MedPAC appointments that will be 

effective in May 2025. Nominations 

should be sent to the email address 

listed below. Acknowledgement of 

receipt will be provided within a week 

of submission. 

DATES: Letters of nomination and 

resumes should be submitted no later 

than February 7, 2025, to ensure 

adequate opportunity for review and 

consideration of nominees prior to 

appointment. 

ADDRESSES: Submit letters of 

nomination and resumes to 

MedPACappointments@gao.gov. 

FOR FURTHER INFORMATION CONTACT: Greg 

Giusto at giustog@gao.gov or (202) 512– 

7114 if you do not receive an 

acknowledgement or need additional 

information. For general information, 

contact GAO’s Office of Public Affairs, 

at PublicAffairs@gao.gov. 

Authority: 42 U.S.C. 1395b–6. 

Gene L. Dodaro, 

Comptroller General of the United States. 

[FR Doc. 2024–30290 Filed 1–6–25; 8:45 am] 

BILLING CODE 1610–02–P 


ddrumheller on DSK120RN23PROD with NOTICES1