Federal Register / Vol. 86, No. 128 / Thursday, July 8, 2021 / Notices 36107 

SUMMARY: Notice is hereby given that 

Inwater Research Group, Inc., 4160 NE 

Hyline Dr., Jensen Beach, FL 34957 

(Responsible Party: Michael Bresette) 

and the NMFS Northeast Fisheries 

Science Center (NEFSC), 166 Water 

Street, Woods Hole, MA 02543 

(Responsible Party: Jon Hare), have 

applied in due form for a permit to take 

green (Chelonia mydas), hawksbill 

(Eretmochelys imbricata), Kemp’s ridley 

(Lepidochelys kempii), leatherback 

(Dermochelys coriacea), loggerhead 

(Caretta caretta), and unidentified 

hardshell sea turtles for purposes of 

scientific research. 

DATES: Written, telefaxed, or email 

comments must be received on or before 

August 9, 2021. 

ADDRESSES: The application and related 

documents are available for review by 

selecting ‘‘Records Open for Public 

Comment’’ from the ‘‘Features’’ box on 

the Applications and Permits for 

Protected Species (APPS) home page, 

https://apps.nmfs.noaa.gov, and then 

selecting File No. 25696 or 25716 from 

the list of available applications. These 

documents are also available upon 

written request via email to 

NMFS.Pr1Comments@noaa.gov. 

Written comments on this application 

should be submitted via email to 

NMFS.Pr1Comments@noaa.gov. Please 

include the relevant File No. in the 

subject line of the email comment. 

Those individuals requesting a public 

hearing should submit a written request 

via email to NMFS.Pr1Comments@

noaa.gov. The request should set forth 

the specific reasons why a hearing on 

this application would be appropriate. 

FOR FURTHER INFORMATION CONTACT: 

Amy Hapeman or Jordan Rutland, (301) 

427–8401. 

SUPPLEMENTARY INFORMATION: The 

subject permit is requested under the 

authority of the Endangered Species Act 

of 1973, as amended (ESA; 16 U.S.C. 

1531 et seq.) and the regulations 

governing the taking, importing, and 

exporting of endangered and threatened 

species (50 CFR parts 222–226). 

File No. 25696: The applicant 

proposes to study the habitat preference, 

species abundance, size frequencies, 

and fibropapillomatosis rates of sea 

turtles inhabiting inshore lagoons and 

nearshore reefs between Indian River 

and Miami-Dade Counties in 

southeastern Florida. Annually up to 

200 green, 25 loggerhead, 10 Kemp’s 

ridley and 10 hawksbill sea turtles 

would be counted and captured by 

hand, dip net, or tangle net. Captured 

turtles would be measured, weighed, 

temporarily marked, flipper tagged, and 

passive integrated transponder (PIT) 

tagged, photographed, and skin and 

blood sampled prior to release. In 

addition, all loggerhead sea turtles 

would receive a sonic or satellite 

transmitter and all green sea turtles 

would undergo gastric lavage prior to 

release. A subset of greens would be 

transported to a local facility for 

imaging and/or receive a transmitter 

prior to their return to the wild. Another 

1,350 green, 100 loggerhead, 75 

hawksbill, and 20 Kemp’s ridley sea 

turtles may be pursued during 

unsuccessful capture attempts annually. 

The permit would be valid for 10 years. 

File No. 25716: The NEFSC proposes 

to continue studying sea turtles legally 

bycaught within commercial fisheries 

operating in the Northwest Atlantic 

Ocean. The objective is to monitor the 

take of ESA listed sea turtle species in 

observed commercial fisheries and to 

collect data to help estimate total 

bycatch. Up to 50 loggerhead, 10 

Kemp’s ridley, 10 green, 20 leatherback, 

and 20 unidentified sea turtles would be 

photographed, measured, weighed, 

flipper tagged and PIT tagged, and skin 

biopsied prior to release annually. 

Carcasses, tissues or parts also may be 

salvaged from dead sea turtles. The 

permit would be valid for 5 years. 

Dated: July 2, 2021. 

Julia Marie Harrison, 

Chief, Permits and Conservation Division, 

Office of Protected Resources, National 

Marine Fisheries Service. 

[FR Doc. 2021–14570 Filed 7–7–21; 8:45 am] 

BILLING CODE 3510–22–P 

DEPARTMENT OF COMMERCE 

National Oceanic and Atmospheric 

Administration 

[RTID 0648–XB213] 

Marine Mammals; File No. 24054 

AGENCY: National Marine Fisheries 

Service (NMFS), National Oceanic and 

Atmospheric Administration (NOAA), 

Commerce. 

ACTION: Notice; receipt of application. 

SUMMARY: Notice is hereby given that 

Terrie Williams, Ph.D., University of 

California at Santa Cruz, Long Marine 

Lab, Center for Ocean Health, 115 

McAllister Way, Santa Cruz, CA 95060, 

has applied in due form for a permit to 

conduct research on captive marine 

mammals. 

DATES: Written, telefaxed, or email 

comments must be received on or before 

August 9, 2021. 

ADDRESSES: The application and related 

documents are available for review by 

selecting ‘‘Records Open for Public 

Comment’’ from the ‘‘Features’’ box on 

the Applications and Permits for 

Protected Species (APPS) home page, 

https://apps.nmfs.noaa.gov, and then 

selecting File No. 24054 from the list of 

available applications. These documents 

are also available upon written request 

via email to NMFS.Pr1Comments@

noaa.gov. 

Written comments on this application 

should be submitted via email to 

NMFS.Pr1Comments@noaa.gov. Please 

include File No. 24054 in the subject 

line of the email comment. 

Those individuals requesting a public 

hearing should submit a written request 

via email to NMFS.Pr1Comments@

noaa.gov. The request should set forth 

the specific reasons why a hearing on 

this application would be appropriate. 

FOR FURTHER INFORMATION CONTACT: 

Jennifer Skidmore or Courtney Smith, 

Ph.D., (301) 427–8401. 

SUPPLEMENTARY INFORMATION: The 

subject permit is requested under the 

authority of the Marine Mammal 

Protection Act of 1972, as amended 

(MMPA; 16 U.S.C. 1361 et seq.), the 

regulations governing the taking and 

importing of marine mammals (50 CFR 

part 216), the Endangered Species Act of 

1973, as amended (ESA; 16 U.S.C. 1531 

et seq.), the regulations governing the 

taking, importing, and exporting of 

endangered and threatened species (50 

CFR parts 222–226), and the Fur Seal 

Act of 1966, as amended (16 U.S.C. 1151 

et seq.). 

The applicant is requesting a permit 

to continue research activities to 

compare the energetic and 

cardiovascular responses and diving 

physiology of captive cetaceans and 

pinnipeds to determine key biological 

capabilities. A maximum of 4 dolphins 

(Tursiops truncatus), 10 California sea 

lions (Zalophus californianus), and 3 

Hawaiian monk seals (Neomonachus 

schauinslandi) would be maintained 

and participate in the research at Long 

Marine Laboratory at any given time. Up 

to 60 bottlenose dolphins from the U.S. 

Navy, and up to 10 Hawaiian monk 

seals and 1 non-releasable Cook Inlet 

beluga whale (Delphinapterus leucas) at 

other permitted facilities may also 

participate in the research at their 

respective facilities. 

Other species in rehabilitation status 

may also be added opportunistically 

and transported to Long Marine 

Laboratory for research purposes (up to 

10 species per year with less than 6 

animals onsite at a time). Typical 

rehabilitation species are bottlenose 

dolphins, harbor porpoises (Phocoena 

phocoena), Guadalupe fur seals 


lotter on DSK11XQN23PROD with NOTICES1
36108 Federal Register / Vol. 86, No. 128 / Thursday, July 8, 2021 / Notices 

1A copy of Issue 23, Jan. 2021, is available at 

https://files.consumerfinance.gov/f/documents/ 

cfpb_supervisory-highlights_issue-23_2021-01.pdf. 

2A copy of Issue 22, Sept. 2020, is available at 

https://files.consumerfinance.gov/f/documents/ 

cfpb_supervisory-highlights_issue-22_2020-09.pdf. 

3 If a supervisory matter is referred to the Office 

of Enforcement, Enforcement may cite additional 

violations based on these facts or uncover 

additional information that could impact the 

conclusion as to what violations may exist. 

(Arctocephalus townsendi), and 

Northern fur seals (Callorhinus ursinus), 

among others. 

Research methods include training for 

voluntary participation to the maximum 

extent feasible to (1) assess body 

condition and morphometrics, (2) 

measure metabolic rate, (3) sample 

blood, (4) attach instruments (e.g., ECG/ 

accelerometer), (5) monitor tissue blood 

flow via a portable near-infrared 

spectroscopy, heat flux tags, and 

ultrasound, (6) measure heat flow, and 

skin or body temperature (see 

application for details by method). In 

addition, receipt, import, and export 

activities are requested for marine 

mammal parts from up to 140 

individuals per taxon group (pinniped 

and cetacean) world-wide. The permit is 

requested for the maximum duration of 

5 years. 

In compliance with the National 

Environmental Policy Act of 1969 (42 

U.S.C. 4321 et seq.), an initial 

determination has been made that the 

activity proposed is categorically 

excluded from the requirement to 

prepare an environmental assessment or 

environmental impact statement. 

Concurrent with the publication of 

this notice in the Federal Register, 

NMFS is forwarding copies of the 

application to the Marine Mammal 

Commission and its Committee of 

Scientific Advisors. 

Dated: July 2, 2021. 

Julia Marie Harrison, 

Chief, Permits and Conservation Division, 

Office of Protected Resources, National 

Marine Fisheries Service. 

[FR Doc. 2021–14548 Filed 7–7–21; 8:45 am] 

BILLING CODE 3510–22–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Supervisory Highlights, Issue 24, 

Summer 2021 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Supervisory highlights. 

SUMMARY: The Bureau of Consumer 

Financial Protection (CFPB or Bureau) is 

issuing its twenty fourth edition of 

Supervisory Highlights. 

DATES: The Bureau released this edition 

of the Supervisory Highlights on its 

website on June 29, 2021. The findings 

included in this report cover 

examinations in the areas of auto 

servicing, consumer reporting, debt 

collection, deposits, fair lending, 

mortgage origination, mortgage 

servicing, private education loan 

origination, payday lending, and 

student loan servicing that were 

completed from January 1, 2020 to 

December 31, 2020. 

FOR FURTHER INFORMATION CONTACT: 

Jaclyn Sellers, Counsel, at (202) 435– 

7449. If you require this document in an 

alternative electronic format, please 

contact CFPB_Accessibility@cfpb.gov. 

SUPPLEMENTARY INFORMATION: 

1. Introduction 

The consumer financial marketplace 

saw significant impacts from the 

COVID–19 pandemic beginning around 

March 2020. The Bureau of Consumer 

Financial Protection (CFPB or Bureau) 

adapted its work by, among other 

things, focusing approximately half of 

its supervisory activities on prioritized 

assessments (PAs) starting in May 2020. 

PAs were designed to obtain real-time 

information from a broad group of 

supervised entities that operate in 

markets posing elevated risk of 

consumer harm due to pandemic-related 

issues. The Bureau analyzed pandemicrelated market developments to 

determine which markets were most 

likely to pose risk to consumers. 

Observations from the Bureau’s PA 

work were detailed in a special edition 

of Supervisory Highlights, Issue 23.1

This issue of Supervisory Highlights 

covers findings from the other 

supervisory work the Bureau has 

engaged in since its last regular edition, 

Issue 22.2 The findings included in this 

report cover examinations in the areas 

of auto servicing, consumer reporting, 

debt collection, deposits, fair lending, 

mortgage origination, mortgage 

servicing, private education loan 

origination, payday lending, and 

student loan servicing that were 

completed from January 1, 2020 to 

December 31, 2020. To maintain the 

anonymity of the supervised institutions 

discussed in this edition of Supervisory 

Highlights, references to institutions 

generally are in the plural and the 

related findings pertain to one or more 

institutions unless otherwise noted. 

The information contained in 

Supervisory Highlights is disseminated 

to help institutions and the general 

public better understand how the 

Bureau examines institutions for 

compliance with Federal consumer 

financial law. Supervisory Highlights 

summarizes existing requirements 

under the law and summarizes findings 

made in the course of exercising the 

Bureau’s supervisory and enforcement 

authority.3

2. Supervisory Observations 

2.1 Auto Servicing 

The Bureau continues to examine 

auto loan servicing activities, primarily 

to assess whether entities have engaged 

in any unfair, deceptive or abusive acts 

or practices prohibited by the Consumer 

Financial Protection Act (CFPA). 

Examiners identified two unfair acts or 

practices related to lender-placed 

collateral protection insurance. 

Examiners also found unfair or 

deceptive acts or practices related to 

payment application. And examiners 

identified an unfair act or practice 

related to payoff amounts where 

consumers had ancillary product rebates 

due. 

2.1.1 Collateral Protection Insurance 

Auto finance contracts generally 

require consumers to maintain 

comprehensive and collision insurance 

that covers physical damage to the 

vehicle in order to protect the value of 

the collateral. If the consumer fails to 

maintain appropriate coverage, some 

contracts provide that servicers can 

purchase insurance for the vehicle, 

often called collateral protection 

insurance (CPI). CPI policies only cover 

damage to the vehicle. Charges for CPI 

policies are added to consumers’ 

accounts and paid on a monthly basis. 

Servicers generally use electronic 

databases to monitor whether 

consumers are maintaining adequate 

insurance coverage. If the database 

suggests that a consumer is not 

maintaining adequate coverage, the 

servicer will send a notice requesting 

proof of insurance and stating that if the 

borrower does not provide proof of 

insurance, then a CPI policy will be 

purchased at the consumer’s expense. 

When the CPI policy is purchased, the 

servicer sends the consumer another 

notice with information about the 

policy. If the consumer later proves that 

they had adequate insurance during any 

portion of the CPI policy period, the 

servicer will generally remove any CPI 

charges for that period. Examiners 

identified unfair and deceptive acts or 

practices related to placement and 

removal of CPI policies and charges. 


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