8528 Federal Register / Vol. 90, No. 19 / Thursday, January 30, 2025 / Notices 

Statutory provision Statutory amount 2025–2026 Limit 

52 U.S.C. 30116(a)(1)(A) .......................................................................................................................... $2,000 $3,500 

52 U.S.C. 30116(a)(1)(B) .......................................................................................................................... 25,000 44,300 

52 U.S.C. 30116(h) .................................................................................................................................... 35,000 62,000 

The limitation at 52 U.S.C. 

30116(a)(1)(A) is to be in effect for the 

two-year period beginning on the first 

day following the date of the general 

election in the preceding year and 

ending on the date of the next regularly 

scheduled election. 52 U.S.C. 

30116(c)(1)(C); 11 CFR 110.1(b)(1)(ii). 

Thus the $3,500 figure above is in effect 

from November 6, 2024, to November 3, 

2026. The limitations under 52 U.S.C. 

30116(a)(1)(B) and 30116(h) shall be in 

effect beginning January 1st of the oddnumbered year and ending on December 

31st of the next even-numbered year. 11 

CFR 110.1(c)(1)(ii). Thus the new 

contribution limitations under 52 U.S.C. 

30116(a)(1)(B) and 30116(h) are in effect 

from January 1, 2025, to December 31, 

2026. See 11 CFR 110.17(b)(1). 

Lobbyist Bundling Disclosure 

Threshold for 2025 

The Act requires certain political 

committees to disclose contributions 

bundled by lobbyists/registrants and 

lobbyist/registrant political action 

committees once the contributions 

exceed a specified threshold amount. 52 

U.S.C. 30104(i)(1), (i)(3)(A). The 

Commission must adjust this threshold 

amount annually to account for 

inflation. 52 U.S.C. 30104(i)(3)(B). The 

disclosure threshold is increased by 

multiplying the $15,000 statutory 

disclosure threshold by 1.55601, the 

difference between the price index, as 

certified to the Commission by the 

Secretary of Labor, for the 12 months 

preceding the beginning of the calendar 

year and the price index for the base 

period (calendar year 2006). See 52 

U.S.C. 30104(i)(3), 30116(c)(1)(B); 11 

CFR 104.22(g). The resulting amount is 

rounded to the nearest multiple of $100. 

52 U.S.C. 30104(i)(3)(B), 

30116(c)(1)(B)(iii); 11 CFR 104.22(g)(4). 

Based upon this formula ($15,000 × 

1.55601), the lobbyist bundling 

disclosure threshold for calendar year 

2025 is $23,300. 

On behalf of the Commission, 

Dated: January 24, 2025. 

Ellen L. Weintraub, 

Chair, Federal Election Commission. 

[FR Doc. 2025–01941 Filed 1–29–25; 8:45 am] 

BILLING CODE 6715–01–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 February 14, 2025. 

A. Federal Reserve Bank of New York 

(Bank Applications Officer) 33 Liberty 

Street, New York, New York 10045– 

0001. Comments can also be sent 

electronically to 

Comments.applications@ny.frb.org 

1. Lawrence B. Seidman, Wayne, New 

Jersey; Seidman and Associates, LLC, 

Seidman Investment Partnership, LP, 

and Seidman Investment Partnership II, 

LP, all of Parsippany, New Jersey; Broad 

Park Investors, LLC, and Chewy Gooey 

Cookies, LP, both of Livingston, New 

Jersey; LSBK06–08, LLC, Palm Beach, 

Florida; and four trusts for the benefit of 

minor children, Erica J. Fishman, 

individually, and as a trustee, and Craig 

Fishman, as trustee, all of Franklin 

Lakes, New Jersey; Allison B. Hammer, 

Towaco, New Jersey, individually and as 

a trustee of the aforementioned trusts; 

as a group acting in concert, to acquire 

additional voting shares of Bankwell 

Financial Group, Inc., and thereby 

indirectly acquire voting shares of 

Bankwell Bank, both of New Canaan, 

Connecticut. 

B. Federal Reserve Bank of Dallas 

(Karen Smith, Assistant Vice President, 

Mergers & Acquisitions and 

Enforcement) 2200 North Pearl Street, 

Dallas, Texas 75201–2272. Comments 

can also be sent electronically to 

Comments.applications@dal.frb.org: 

1. The Charles J. Whelan, Jr. 2024 

Trust, Cynthia Ann Whelan, 

individually, and as trustee, both of 

Kerrville, Texas; to acquire voting shares 

of Relationship Financial Corporation 

(Company), and thereby indirectly 

acquire voting shares of Guadalupe 

Bank (Bank), both of Kerrville, Texas. 

In addition, Charles Joseph Whelan, 

Jr., Cynthia Ann Whelan, Kevin Joseph 

Whelan, and Adria Nicole Whelan, all 

of Kerrville, Texas; and Leslie Whelan 

White and Aaron James White, both of 

Austin, Texas; as a group acting in 

concert, to retain voting shares of the 

Company, and thereby indirectly retain 

voting shares of the Bank. 

Board of Governors of the Federal Reserve 

System. 

Michele Taylor Fennell, 

Associate Secretary of the Board. 

[FR Doc. 2025–01971 Filed 1–29–25; 8:45 am] 

BILLING CODE P 

FEDERAL TRADE COMMISSION 

[File No. 242 3052] 

General Motors and OnStar, 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 


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Federal Register / Vol. 90, No. 19 / Thursday, January 30, 2025 / Notices 8529 

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 March 3, 2025. 

ADDRESSES: Interested parties may file 

comments online or on paper by 

following the instructions in the 

Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Please write ‘‘GM and OnStar; 

File No. 242 3052’’ on your comment 

and file your comment online at https:// 

www.regulations.gov by following the 

instructions on the web-based form. If 

you prefer to file your comment on 

paper, please mail your comment to: 

Federal Trade Commission, Office of the 

Secretary, 600 Pennsylvania Avenue 

NW, Mail Stop H–144 (Annex L), 

Washington, DC 20580. 

FOR FURTHER INFORMATION CONTACT: 

Amy Teng (206–220–4482), Breena Roos 

(206–220–4472), and Sarah Shifley 

(202–220–4475), Northwest Region, 

Federal Trade Commission, 915 Second 

Ave., Room 2896, Seattle, WA 98174. 

SUPPLEMENTARY INFORMATION: Pursuant 

to section 6(f) of the Federal Trade 

Commission Act, 15 U.S.C. 46(f), and 

FTC Rule § 2.34, 16 CFR 2.34, notice is 

hereby given that the above-captioned 

consent agreement containing a consent 

order to cease and desist, having been 

filed with and accepted, subject to final 

approval, by the Commission, has been 

placed on the public record for a period 

of 30 days. The following Analysis to 

Aid Public Comment describes the 

terms of the consent agreement and the 

allegations in the complaint. An 

electronic copy of the full text of the 

consent agreement package can be 

obtained at https://www.ftc.gov/newsevents/commission-actions. 

You can file a comment online or on 

paper. For the Commission to consider 

your comment, we must receive it on or 

before March 3, 2025. Write ‘‘GM and 

OnStar; File No. 242 3052’’ on your 

comment. Your comment—including 

your name and your State—will be 

placed on the public record of this 

proceeding, including, to the extent 

practicable, on the https://

www.regulations.gov website. 

Because of heightened security 

screening, postal mail addressed to the 

Commission will be subject to delay. We 

strongly encourage you to submit your 

comments online through the https://

www.regulations.gov website. If you 

prefer to file your comment on paper, 

write ‘‘GM and OnStar; File No. 242 

3052’’ on your comment and on the 

envelope, and send it via overnight 

service to: Federal Trade Commission, 

Office of the Secretary, 600 

Pennsylvania Avenue NW, Mail Stop 

H–144 (Annex L), Washington, DC 

20580. 

Because your comment will be placed 

on the publicly accessible website at 

https://www.regulations.gov, you are 

solely responsible for making sure your 

comment does not include any sensitive 

or confidential information. In 

particular, your comment should not 

include sensitive personal information, 

such as your or anyone else’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 making sure your 

comment does not include sensitive 

health information, such as medical 

records or other individually 

identifiable health information. In 

addition, your comment should not 

include any ‘‘trade secret or any 

commercial or financial information 

which . . . is privileged or 

confidential’’—as provided by 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 competitively 

sensitive information such as costs, 

sales statistics, inventories, formulas, 

patterns, devices, manufacturing 

processes, or customer names. 

Comments containing material for 

which confidential treatment is 

requested must be filed in paper form, 

must be clearly labeled ‘‘Confidential,’’ 

and must comply with FTC Rule 

§ 4.9(c). In particular, the written 

request for confidential treatment that 

accompanies the comment must include 

the factual and legal basis for the 

request and must identify the specific 

portions of the comment to be withheld 

from the public record. See FTC Rule 

§ 4.9(c). Your comment will be kept 

confidential only if the General Counsel 

grants your request in accordance with 

the law and the public interest. Once 

your comment has been posted on the 

https://www.regulations.gov website—as 

legally required by FTC Rule § 4.9(b)— 

we cannot redact or remove your 

comment from that website, unless you 

submit a confidentiality request that 

meets the requirements for such 

treatment under FTC Rule § 4.9(c), and 

the General Counsel grants that request. 

Visit the FTC website at https://

www.ftc.gov to read this document and 

the news release describing the 

proposed settlement. The FTC Act and 

other laws the Commission administers 

permit the collection of public 

comments to consider and use in this 

proceeding, as appropriate. The 

Commission will consider all timely 

and responsive public comments it 

receives on or before March 3, 2025. For 

information on the Commission’s 

privacy policy, including routine uses 

permitted by the Privacy Act, see 

https://www.ftc.gov/site-information/ 

privacy-policy. 

Analysis of Proposed Consent Order To 

Aid Public Comment 

The Federal Trade Commission 

(‘‘Commission’’) has accepted, subject to 

final approval, an agreement containing 

a consent order from General Motors 

LLC, General Motors Holdings LLC, and 

OnStar, LLC (collectively 

‘‘Respondents’’). The proposed consent 

order (‘‘Proposed Order’’) has been 

placed on the public record for 30 days 

for receipt of public comments from 

interested persons. Comments received 

during this period will become part of 

the public record. After 30 days, the 

Commission will again review the 

agreement, along with the comments 

received, and will decide whether it 

should make the Proposed Order final 

or withdraw from the agreement and 

take appropriate action. 

Respondent General Motors LLC is a 

Delaware limited liability company with 

its principal office or place of business 

at 300 Renaissance Center in Detroit, 

Michigan 48243. General Motors LLC is 

a wholly owned subsidiary of General 

Motors Company, a Delaware 

corporation. Respondent General Motors 

Holdings LLC is a Delaware limited 

liability company with its principal 

office or place of business at 300 

Renaissance Center in Detroit, Michigan 

48243. General Motors Holdings LLC is 

a wholly owned subsidiary of General 

Motors Company, a Delaware 

corporation. Respondent OnStar, LLC is 

a Delaware limited liability company 

with its principal office or place of 

business at 400 Renaissance Center in 

Detroit, Michigan. OnStar, LLC is a 

wholly owned subsidiary of General 

Motors Company, a Delaware 

corporation 48243. Respondents 

manufacture and sell vehicles under the 

Chevrolet, GMC, Cadillac, and Buick 

brands (collectively, the ‘‘GM-branded’’ 

vehicles) in the United States. 

Respondents offer connected car 

services for GM-branded vehicles under 

the OnStar brand. 

Respondents collect precise 

geolocation and driver behavior data 

from the GM-branded vehicles and then 

use and sell that data to third parties. 

Respondents do not obtain consumers’ 


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specific consent for using precise 

geolocation and driver behavior data 

and sell that same data to third parties, 

including consumer reporting agencies 

that compile consumer reports with the 

data for insurance purposes. As a result 

of these practices, consumers have 

experienced loss of auto insurance 

coverage, unexpected increases in 

insurance premiums, as well as the loss 

of privacy about sensitive locations they 

visit and their day-to-day movements. 

The Commission’s proposed a twocount complaint alleges that 

Respondents violated section 5(a) of the 

FTC Act by (1) unfairly using and 

disclosing precise geolocation and 

driver behavior data without taking 

reasonable steps to obtain consumers’ 

affirmative express consent prior to 

collection, and (2) deceptively failing to 

disclose Respondents’ uses and 

disclosure of that same data. With 

respect to the first count, the proposed 

complaint alleges that Respondents do 

not obtain affirmative express consent to 

sell consumers’ precise geolocation and 

driver behavior data to third parties, 

including consumer reporting agencies. 

The proposed complaint alleges that 

this practice caused, or is likely to 

cause, substantial injury to consumers 

that is not outweighed by countervailing 

benefits to consumers or competition 

and is not reasonably avoidable by 

consumers themselves. With respect to 

the second count, the proposed 

complaint alleges that Respondents’ 

failure to disclose their actual use and 

sharing of drivers’ precise geolocation 

and driver behavior data was deceptive; 

Respondents did not disclose to 

consumers that it would be sharing this 

data with third parties, including 

consumer reporting agencies for 

insurance purposes, which led to 

consumers being denied auto insurance 

coverage and having their auto 

insurance premiums increased. 

Summary of Proposed Order With 

Respondents 

The Proposed Order contains 

injunctive relief designed to prevent 

Respondents from engaging in the same 

or similar acts or practices in the future. 

Provision I prohibits Respondents for 

five years from sharing certain 

geolocation and driver behavior data 

with consumer reporting agencies. 

Provision II requires Respondents to 

obtain affirmative express consent prior 

to the collection, use, and sharing of 

certain geolocation and driver behavior 

data. This provision includes carve-outs 

for, among other things, responding to 

consumer-initiated communication, 

safety-enhancing research and 

development, diagnostics and 

prognostics, and providing necessary 

information in case of an emergency. 

Provision III requires that Respondents 

provide consumers the ability to 

withhold or withdraw affirmative 

express consent to the collection, use, 

and sharing of certain geolocation and 

driver behavior data. Provision IV limits 

Respondents’ data collection to that 

which is reasonably necessary to fulfill 

the specific purpose for which it was 

collected. 

Provision V requires Respondents to 

create a retention schedule for certain 

geolocation and driver behavior data 

they collect that is tied to the purpose 

for which the data is collected, the 

business need for retaining it, and the 

timeframe for deleting it. Provision VI 

requires Respondents to delete certain 

geolocation and driver behavior data 

previously collected without 

consumers’ affirmative express consent. 

It also provides Respondents the 

opportunity to obtain consumers’ 

affirmative express consent to retain 

previously collected geolocation and 

driver behavior data. This provision 

includes exceptions for safety, 

warranties, prognostics and diagnostics, 

legal or regulatory requirements, and 

research and development. Provision 

VII requires Respondents to provide all 

consumers the ability to request a copy 

of their geolocation and driver behavior 

data and to request that such data be 

deleted. Provision VIII requires 

Respondents to request third parties 

with whom it has previously shared 

certain geolocation and driver behavior 

data to delete that data and to not 

engage in further sharing with third 

parties that fail to respond to such 

requests. Provision IX requires 

Respondents to ensure consumers can 

disable collection of precise geolocation 

data from their vehicles. The provision 

includes exceptions for emergency 

response and responding to consumerinitiated requests. Provision X provides 

consumers the ability to fully opt out of 

collection of all data with narrow 

exclusions for consumer-initiated 

communication, safety, and over-the-air 

updates. This provision is unique to the 

Proposed Order. Provision XI prohibits 

Respondents from misrepresenting 

information regarding their collection, 

use, sharing, and deletion of consumers’ 

geolocation and driver behavior data. 

Provisions XII–XV are reporting and 

compliance provisions, which include 

recordkeeping requirements and 

provisions requiring Respondents to 

provide information or documents 

necessary for the Commission to 

monitor compliance. Provision XVI 

states that the Proposed Order will 

remain in effect for 20 years, with 

certain exceptions. 

The purpose of this analysis is to 

facilitate public comment on the 

Proposed Order, and it is not intended 

to constitute an official interpretation of 

the complaint or Proposed Order, or to 

modify the Proposed Order’s terms in 

any way. 

By direction of the Commission. 

Joel Christie, 

Acting Secretary. 

[FR Doc. 2025–01940 Filed 1–29–25; 8:45 am] 

BILLING CODE 6750–01–P 

FEDERAL TRADE COMMISSION 

[File No. 161 0215/Docket No. C–4604] 

Petition of Enbridge Inc. To Reopen 

and Set Aside Order 

AGENCY: Federal Trade Commission. 

ACTION: Announcement of petition; 

request for comment. 

SUMMARY: Enbridge Inc. (‘‘Enbridge’’ or 

‘‘the company’’) has requested that the 

Federal Trade Commission (‘‘FTC’’ or 

‘‘Commission’’) reopen and set aside the 

Commission’s Decision and Order 

entered on March 22, 2017 (the 

‘‘Order’’), concerning ownership 

interests in competing natural gas 

pipelines. The company wants the FTC 

to set aside the Order given changes in 

the factual conditions that led to its 

entry almost eight years ago. Publication 

of the petition from Enbridge is not 

intended to affect the legal status of the 

petition or its final disposition. 

DATES: Comments must be received on 

or before March 3, 2025. 

ADDRESSES: Interested parties may file 

comments online or on paper, by 

following the instructions in the 

Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Please write: ‘‘Enbridge Petition 

to Reopen; Docket No. C–4604’’ on your 

comment and file your comment online 

at www.regulations.gov by following the 

instructions on the web-based form. If 

you prefer to file your comment on 

paper, please mail your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

600 Pennsylvania Avenue NW, Mail 

Stop H–144 (Annex E), Washington, DC 

20580. 

FOR FURTHER INFORMATION CONTACT: 

Maribeth Petrizzi (202–326–2564), 

Bureau of Competition, Federal Trade 

Commission, 600 Pennsylvania Avenue 

NW, Washington, DC 20580. 

SUPPLEMENTARY INFORMATION: Pursuant 

to section 6(g) of the Federal Trade 


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