Federal Register / Vol. 87, No. 78 / Friday, April 22, 2022 / Notices 24161 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

Agency Information Collection 

Activities: Proposed Collection 

Renewal; Comment Request [OMB No. 

3064–0152; –0190] 

AGENCY: Federal Deposit Insurance 

Corporation (FDIC). 

ACTION: Agency Information Collection 

Activities: Submission for OMB Review; 

Comment Request. 

SUMMARY: The FDIC, as part of its 

obligations under the Paperwork 

Reduction Act of 1995, invites the 

general public and other Federal 

agencies to take this opportunity to 

comment on the request to renew the 

existing information collections 

described below (OMB Control No. 

3064–0152 and—0190). The notice of 

the proposed renewal for these 

information collections was previously 

published in the Federal Register on 

February 9, 2022, allowing for a 60-day 

comment period. 

DATES: Comments must be submitted on 

or before May 23, 2022. 

ADDRESSES: Interested parties are 

invited to submit written comments to 

the FDIC by any of the following 

methods: 

• Agency Website: https://

www.fdic.gov/resources/regulations/ 

federal-register-publications/. 

• Email: comments@fdic.gov. Include 

the name and number of the collection 

in the subject line of the message. 

• Mail: Manny Cabeza (202–898– 

3767), Regulatory Counsel, MB–3128, 

Federal Deposit Insurance Corporation, 

550 17th Street NW, Washington, DC 

20429. 

• Hand Delivery: Comments may be 

hand-delivered to the guard station at 

the rear of the 17th Street NW building 

(located on F Street NW), on business 

days between 7:00 a.m. and 5:00 p.m. 

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: 

Manny Cabeza, Regulatory Counsel, 

202–898–3767, mcabeza@fdic.gov, MB– 

3128, Federal Deposit Insurance 

Corporation, 550 17th Street NW, 

Washington, DC 20429. 

SUPPLEMENTARY INFORMATION: 

Proposal to renew the following 

currently approved collections of 

information: 

1. Title: ID Theft Red Flags. 

OMB Number: 3064–0152. 

Form Number: None. 

Affected Public: Insured state 

nonmember banks. 

Burden Estimate: 

SUMMARY OF ESTIMATED ANNUAL BURDEN

[OMB No. 3064–0152] 

Information collection description Type of burden 

(obligation to respond) 

Frequency of 

response 

Number of 

respondents 

Number of 

responses 

per 

respondent 

Hours per 

response 

Annual 

burden 

(hours) 

FACT Act Section 114: Identity Theft Prevention 

Program Establishment 12 CFR 334.90(d); 12 CFR 

334.91(c).

Recordkeeping (Mandatory) ...... Annual ............ 8 1 40 320 

Program Operations 12 CFR 334.90(c), (e); 12 CFR 

334.91(c).

Recordkeeping (Mandatory) ...... Annual ............ 3,171 1 16 50,832 

Section 114 Hours Subtotal .................................. .................................................... ........................ .................... .................... .................... 51,152 

FACT Act Section 315: Address Discrepancy Program 

Program Establishment 12 CFR 334.82(c), (d) ............ Recordkeeping (Mandatory) ...... Annual ............ 8 1 40 320 

Program Operations 12 CFR 334.82(c), (d) ................. Recordkeeping (Mandatory) ...... Annual ............ 3,111 1 4 12,444 

Specific Incident Responses 12 CFR 334.82(d)(1–3) .. Disclosures (Mandatory) ........... On occasion ... 3,111 17.1 0.1667 8,868 

Section 315 Hours Subtotal .................................. .................................................... ........................ .................... .................... .................... 21,632 

Total Annual Burden (Hours) ......................... .................................................... ........................ .................... .................... .................... 72,784 

Source: FDIC. 

General Description of Collection: The 

regulation containing this information 

collection requirement is 12 CFR part 

334, which implements sections 114 

and 315 of the Fair and Accurate Credit 

Transactions Act of 2003 (FACT Act), 

Public Law 108–159 (2003). FACT Act 

Section 114: Section 114 requires the 

Board of Governors of the Federal 

Reserve System, the Office of the 

Comptroller of the Currency and the 

FDIC (the Agencies) to jointly propose 

guidelines for financial institutions and 

creditors identifying patterns, practices, 

and specific forms of activity that 

indicate the possible existence of 

identity theft. In addition, each financial 

institution and creditor is required to 

establish reasonable policies and 

procedures to address the risk of 

identity theft that incorporate the 

guidelines. Credit card and debit card 

issuers must develop policies and 

procedures to assess the validity of a 

request for a change of address under 

certain circumstances. The information 

collections pursuant to section 114 

require each financial institution and 

creditor to create an Identity Theft 

Prevention Program and report to the 

board of directors, a committee thereof, 

or senior management at least annually 

on compliance with the proposed 

regulations. In addition, staff must be 

trained to carry out the program. Each 

credit and debit card issuer is required 

to establish policies and procedures to 

assess the validity of a change of 

address request. The card issuer must 

notify the cardholder or use another 

means to assess the validity of the 

change of address. FACT Act Section 

315: Section 315 requires the Agencies 

to issue regulations providing guidance 

regarding reasonable policies and 

procedures that a user of consumer 

reports must employ when such a user 

receives a notice of address discrepancy 

from a consumer reporting agencies. 

Part 334 provides such guidance. Each 

user of consumer reports must develop 

reasonable policies and procedures that 

it will follow when it receives a notice 

of address discrepancy from a consumer 


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24162 Federal Register / Vol. 87, No. 78 / Friday, April 22, 2022 / Notices 

reporting agency. A user of consumer 

reports must furnish an address that the 

user has reasonably confirmed to be 

accurate to the consumer reporting 

agency from which it receives a notice 

of address discrepancy. 

There is no change in the method or 

substance of the information collection. 

The total estimated annual burden 

hours have increased due to the 

inclusion of estimated program 

establishment costs for de novo 

institutions and the introduction of the 

costs of responses to specific address 

discrepancy incidents for newly 

established consumer accounts. 

2. Title: Interagency Appraisal 

Complaint Form. 

OMB Number: 3064–0190. 

Form Numbers: None. 

Affected Public: Individuals, financial 

institutions and other private sector 

entities. 

Burden Estimate: 

SUMMARY OF ESTIMATED ANNUAL BURDEN

[OMB No. 3064–0190] 

Information collection description Type of burden 

(obligation to respond) 

Frequency of 

response 

Number of 

respondents 

Number of 

responses 

per 

respondent 

Hours per 

response 

Annual 

burden 

(hours) 

Interagency Appraisal Complaint Form ........................ Reporting (Voluntary) ................ On Occasion .. 116 1 0.5 58 

Source: FDIC. 

General Description of Collection: As 

provided in section 1473(p) of the 

Dodd-Frank Wall Street Reform and 

Consumer Protection Act (Dodd-Frank 

Act), on January 12, 2011, the Appraisal 

Subcommittee (ASC), of the Federal 

Financial Institutions Examination 

Council (FFIEC) determined that no 

national hotline existed to receive 

complaints of noncompliance with 

appraisal standards. A notice of that 

determination was published in the 

Federal Register on January 28, 2011 

(76 FR 5161). As required by the DoddFrank Act, the ASC established a hotline 

to refer complaints to appropriate state 

and Federal regulators. For those 

instances where the ASC determines the 

FDIC, OCC, FRB, or NCUA is the 

appropriate regulator, the agencies 

developed the Interagency Appraisal 

Complaint Form as a means to 

efficiently collect necessary 

information. The Interagency Appraisal 

Complaint Form is designed to collect 

information necessary for one or more 

agencies to take further action on a 

complaint from an appraiser, other 

individual, financial institution, or 

other entities. The FDIC will use the 

information to take further action on the 

complaint to the extent it relates to an 

issue within its jurisdiction. 

There is no change in the method or 

substance of the collection. The overall 

increase in burden hours (from 20 hours 

to 58 hours) is the result of a change in 

the agency’s estimate of the number of 

annual responses based on a review of 

the actual number of complaints 

received over the last five years. In 

particular, the estimated number of 

respondents has increased from 40 to 

116 while the estimated time per 

response and the frequency of response 

have remained the same. 

Request for Comment 

Comments are invited on: (a) Whether 

the collection of information is 

necessary for the proper performance of 

the FDIC’s functions, including whether 

the information has practical utility; (b) 

the accuracy of the estimates of the 

burden of the information collection, 

including the validity of the 

methodology and 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. All comments will become 

a matter of public record. 

Federal Deposit Insurance Corporation. 

Dated at Washington, DC, on April 18, 

2022. 

James P. Sheesley, 

Assistant Executive Secretary. 

[FR Doc. 2022–08556 Filed 4–21–22; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL ELECTION COMMISSION 

Sunshine Act Meetings 

TIME AND DATE: Thursday, April 28, 2022 

at 10:00 a.m. 

PLACE: Hybrid Meeting: 1050 First Street 

NE Washington, DC (12th floor) and 

Virtual. 

Note: Due to the COVID–19 

Pandemic, the FEC’s Hearing Room 

remains closed to visitors for the near 

term as we implement procedures for 

the public to safely attend. If you would 

like to access the meeting, see the 

instructions below. 

STATUS: This meeting will be open to the 

public. To access the virtual meeting, go 

to the Commission’s website 

www.fec.gov and click on the banner to 

be taken to the meeting page. 

MATTERS TO BE CONSIDERED: Draft 

Advisory Opinion 2022–02: 

Congressman W. Gregory Steube and 

Greg Steube for Congress; Management 

and Administrative Matters. 

CONTACT PERSON FOR MORE INFORMATION: 

Judith Ingram, Press Officer. Telephone: 

(202) 694–1220. 

(Authority: Government in the Sunshine Act, 

5 U.S.C. 552b) 

Laura E. Sinram, 

Acting Secretary and Clerk of the 

Commission. 

[FR Doc. 2022–08750 Filed 4–20–22; 4:15 pm] 

BILLING CODE 6715–01–P 

FEDERAL RESERVE SYSTEM 

Formations of, Acquisitions by, and 

Mergers of Bank Holding Companies 

The companies listed in this notice 

have applied to the Board for approval, 

pursuant to the Bank Holding Company 

Act of 1956 (12 U.S.C. 1841 et seq.) 

(BHC Act), Regulation Y (12 CFR part 

225), and all other applicable statutes 

and regulations to become a bank 

holding company and/or to acquire the 

assets or the ownership of, control of, or 

the power to vote shares of a bank or 

bank holding company and all of the 

banks and nonbanking companies 

owned by the bank holding company, 

including the companies listed below. 

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 


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