30480 Federal Register / Vol. 87, No. 97 / Thursday, May 19, 2022 / Notices 

FOR FURTHER INFORMATION CONTACT: 

Lorraine Reddick, Designated Federal 

Officer, Clean Air Act Advisory 

Committee (6103A), Environmental 

Protection Agency, 1200 Pennsylvania 

Ave. NW, Washington, DC 20460; 

telephone number: 202–564–1293; 

email address: reddick.lorraine@

epa.gov. Additional information about 

this meeting, the CAAAC, and its 

subcommittees and workgroups can be 

found on the CAAAC website: http://

www.epa.gov/caaac/. 

SUPPLEMENTARY INFORMATION: Pursuant 

to 5 U.S.C. App. 2 section 10(a)(2), 

notice is hereby given that the Clean Air 

Act Advisory Committee will hold its 

next public meeting remotely/virtually 

on Wednesday, June 15, 2022, 1:00 p.m. 

to 4:00 p.m. (EST). In addition, the 

CAAAC will hold the next hybrid 

public meeting, in person at EPA 

Headquarters, Washington, DC with a 

virtual option on Tuesday, September 

13, from 1:00 p.m. to 4:00 p.m. (EDT), 

and Wednesday, September 14, 2022, 

from approximately 9:00 a.m. to 12:00 

p.m. (EDT). 

The committee agenda and any 

documents prepared for the meeting 

will be publicly available on the 

CAAAC website at http://www.epa.gov/ 

caaac/ prior to the meeting. Thereafter, 

these documents, together with CAAAC 

meeting minutes, will be available on 

the CAAAC website or by contacting the 

Office of Air and Radiation Docket and 

requesting information under docket 

EPA–HQ–OAR–2022–0429. The docket 

office can be reached by email at: a-andr-Docket@epa.gov or FAX: 202–566– 

9744. 

For information on access or services 

for individuals with disabilities, please 

contact Lorraine Reddick at 

reddick.lorraine@epa.gov, preferably at 

least 7 days prior to the meeting to give 

EPA as much time as possible to process 

your request. 

Dated: May 13, 2022. 

John Shoaff, 

Director, Office of Air Policy and Program 

Support, Office of Air and Radiation. 

[FR Doc. 2022–10711 Filed 5–18–22; 8:45 am] 

BILLING CODE 6560–50–P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

Sunshine Act Meeting 

TIME AND DATE: 10:41 a.m. on Tuesday, 

May 17, 2022. 

PLACE: The meeting was held in the 

Board Room located on the sixth floor 

of the FDIC Building located at 550 17th 

Street NW, Washington, DC. 

STATUS: Closed. 

MATTERS TO BE CONSIDERED: In calling 

the meeting, the Board determined, on 

motion of Director Michael J. Hsu 

(Acting Comptroller of the Currency), 

seconded by Director Rohit Chopra 

(Director, Consumer Financial 

Protection Bureau), and concurred in by 

Acting Chairman Martin J. Gruenberg, 

that the public interest did not require 

consideration of the matters in a 

meeting open to public observation; and 

that the matters could be considered in 

a closed meeting by authority of 

subsections (c)(2), (c)(4), (c)(6), (c)(8), 

(c)(9)(A)(ii), and (c)(9)(B) of the 

‘‘Government in the Sunshine Act’’ (5 

U.S.C. 552b (c)(2), (c)(4), (c)(6), (c)(8), 

(c)(9)(A)(ii), and (c)(9)(B). 

CONTACT PERSON FOR MORE INFORMATION: 

Requests for further information 

concerning the meeting may be directed 

to Debra A. Decker, Executive Secretary 

of the Corporation, at 202–898–8748. 

Dated this the 17th day of May, 2022. 

Federal Deposit Insurance Corporation. 

James P. Sheesley, 

Assistant Executive Secretary. 

[FR Doc. 2022–10910 Filed 5–17–22; 4:15 pm] 

BILLING CODE 6714–01–P 

FEDERAL ELECTION COMMISSION 

Sunshine Act Meeting 

TIME AND DATE: Tuesday, May 24, 2022 

at 10:00 a.m. and its continuation at the 

conclusion of the open meeting on May 

26, 2022. 

PLACE: 1050 First Street NE, 

Washington, DC and virtual (this 

meeting will be a hybrid meeting). 

STATUS: This meeting will be closed to 

the public. 

MATTERS TO BE CONSIDERED: Compliance 

matters pursuant to 52 U.S.C. 30109. 

Information the premature disclosure 

of which would be likely to have a 

considerable adverse effect on the 

implementation of a proposed 

Commission action. 

Matters concerning participation in 

civil actions or proceedings or 

arbitration. 

* * * * * 

CONTACT PERSON FOR MORE INFORMATION: 

Judith Ingram, Press Officer, Telephone: 

(202) 694–1220. 

(Authority: Government in the Sunshine Act, 

5 U.S.C. 552b) 

Vicktoria J. Allen, 

Acting Deputy Secretary of the Commission. 

[FR Doc. 2022–10943 Filed 5–17–22; 4:15 pm] 

BILLING CODE 6715–01–P 

FEDERAL HOUSING FINANCE 

AGENCY 

[No. 2022–N–5] 

Proposed Collection; Comment 

Request 

AGENCY: Federal Housing Finance 

Agency. 

ACTION: 30-Day notice of submission of 

information collection for approval from 

the Office of Management and Budget. 

SUMMARY: In accordance with the 

requirements of the Paperwork 

Reduction Act of 1995 (PRA), the 

Federal Housing Finance Agency 

(FHFA) is seeking public comments 

concerning an information collection 

known as the ‘‘American Survey of 

Mortgage Borrowers (ASMB),’’ which 

has been assigned control number 2590– 

0015 by the Office of Management and 

Budget (OMB). FHFA intends to submit 

the information collection to OMB for 

review and approval of a three-year 

reinstatement of the control number, 

which expired on March 31, 2021. 

DATES: Interested persons may submit 

comments on or before June 21, 2022. 

ADDRESSES: Submit comments to the 

Office of Information and Regulatory 

Affairs of the Office of Management and 

Budget, Attention: Desk Officer for the 

Federal Housing Finance Agency, 

Washington, DC 20503, Fax: (202) 395– 

3047, Email: OIRA_submission@

omb.eop.gov. Please also submit 

comments to FHFA, identified by 

‘‘Proposed Collection; Comment 

Request: ‘American Survey of Mortgage 

Borrowers, (No. 2022–N–5)’ ’’ by any of 

the following methods: 

• Agency Website: www.fhfa.gov/ 

open-for-comment-or-input. 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. If 

you submit your comment to the 

Federal eRulemaking Portal, please also 

send it by email to FHFA at 

RegComments@fhfa.gov to ensure 

timely receipt by the agency. 

• Mail/Hand Delivery: Federal 

Housing Finance Agency, 400 Seventh 

Street SW, Washington, DC 20219, 

ATTENTION: Proposed Collection; 

Comment Request: ‘‘American Survey of 

Mortgage Borrowers, (No. 2022–N–5).’’ 

Please note that all mail sent to FHFA 

via U.S. Mail is routed through a 

national irradiation facility, a process 

that may delay delivery by 

approximately two weeks. For any timesensitive correspondence, please plan 

accordingly. 

We will post all public comments we 

receive without change, including any 


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1 12 U.S.C. 4544(c). 

2OMB has cleared the NSMO under the PRA and 

assigned it control no. 2590–0012, which expires on 

June 30, 2023. 

personal information you provide, such 

as your name and address, email 

address, and telephone number, on the 

FHFA website at http://www.fhfa.gov. In 

addition, copies of all comments 

received will be available for 

examination by the public through the 

electronic comment docket for this PRA 

Notice also located on the FHFA 

website. 

FOR FURTHER INFORMATION CONTACT: Saty 

Patrabansh, Manager, National Mortgage 

Database Program, Saty.Patrabansh@

fhfa.gov, (202) 649–3213; or Angela 

Supervielle, Counsel, 

Angela.Supervielle@fhfa.gov, (202) 649– 

3973, (these are not toll-free numbers), 

Federal Housing Finance Agency, 400 

Seventh Street SW, Washington, DC 

20219. For TTY/TRS users with hearing 

and speech disabilities, dial 711 and ask 

to be connected to any of the contact 

numbers above. 

SUPPLEMENTARY INFORMATION: 

A. Background 

The American Survey of Mortgage 

Borrowers (ASMB) is a component of 

the ‘‘National Mortgage Database’’ 

(NMDB®) Program, which is a joint 

effort of FHFA and the Consumer 

Financial Protection Bureau (CFPB) 

(jointly, ‘‘the agencies’’). The NMDB 

Program is designed to satisfy the 

Congressionally-mandated requirements 

of section 1324(c) of the Federal 

Housing Enterprises Financial Safety 

and Soundness Act.1 Section 1324(c) 

requires that FHFA conduct a monthly 

survey to collect data on the 

characteristics of individual prime and 

subprime mortgages, and on the 

borrowers and properties associated 

with those mortgages, in order to enable 

it to prepare a detailed annual report on 

the mortgage market activities of the 

Federal National Mortgage Association 

(Fannie Mae) and the Federal Home 

Loan Mortgage Corporation (Freddie 

Mac) for review by the appropriate 

Congressional oversight committees. 

Section 1324(c) also authorizes and 

requires FHFA to compile a database of 

otherwise unavailable residential 

mortgage market information and to 

make that information available to the 

public in a timely fashion. 

As a means of fulfilling those and 

other statutory requirements, as well as 

to support policymaking and research 

regarding the residential mortgage 

markets, FHFA and CFPB jointly 

established the NMDB Program in 2012. 

The Program is designed to provide 

comprehensive information about the 

U.S. mortgage market and has three 

primary components: (1) The NMDB; (2) 

the quarterly National Survey of 

Mortgage Originations (NSMO); and (3) 

the ASMB. 

The NMDB is a de-identified loanlevel database of closed-end first-lien 

residential mortgage loans that is 

representative of the market as a whole, 

contains detailed loan-level information 

on the terms and performance of the 

mortgages and the characteristics of the 

associated borrowers and properties, is 

continually updated, has an historical 

component dating back to 1998, and 

provides a sampling frame for surveys to 

collect additional information. The core 

data in the NMDB are drawn from a 

random 1-in-20 sample of all closed-end 

first-lien mortgages outstanding at any 

time between January 1998 and the 

present in the files of Experian, one of 

the three national credit repositories, 

with a random sample of mortgages 

newly reported to Experian added each 

quarter. 

The NMDB draws additional 

information on mortgages in the NMDB 

datasets from other existing sources, 

including Home Mortgage Disclosure 

Act (HMDA) data that are maintained by 

the Federal Financial Institutions 

Examination Council (FFIEC), property 

valuation models, and administrative 

data files maintained by Fannie Mae 

and Freddie Mac and by federal 

agencies. FHFA also obtains data from 

the two surveys conducted as part of the 

program—the NSMO and the ASMB. 

The NSMO is a quarterly survey that 

provides critical and timely information 

on newly-originated mortgages and 

associated borrowers that are not 

available from other sources, including: 

The range of nontraditional and 

subprime mortgage products being 

offered, the methods by which these 

mortgages are being marketed, and the 

characteristics of borrowers for these 

types of loans.2

While the NSMO provides 

information on newly-originated 

mortgages, the ASMB focuses on 

borrowers’ experience with maintaining 

their existing mortgages. This includes 

their experience maintaining mortgages 

under financial stress, their experience 

in soliciting financial assistance, their 

success in accessing federally sponsored 

programs designed to assist them, and, 

where applicable, any challenges they 

may have had in terminating a mortgage 

loan. The ASMB is designed to collect 

information necessary to allow 

empirical analysis of two questions of 

vital importance to residential mortgage 

market policymakers and stakeholders: 

(1) What factors explain or predict 

which borrowers will become 

delinquent on their mortgages; and (2) 

once a borrower becomes delinquent, 

what factors explain or predict whether 

the borrower will (a) become current on 

the loan, (b) decide they cannot afford 

the mortgage and sell the property or 

modify the mortgage, or (c) remain 

delinquent and enter into foreclosure. 

From 2016 through 2018, the ASMB 

questionnaire was sent once annually to 

a stratified random sample of 10,000 

borrowers with mortgages in the NMDB. 

FHFA did not undertake the ASMB 

during 2019, but sent the survey again 

in the fall of 2020 with a specific focus 

on the experiences of borrowers during 

the COVID–19 pandemic using a 

stratified random sample of 10,000 

borrowers. The 2020 survey was 

substantially similar to the 2018 survey, 

except it included a number of 

questions specifically relating to the 

COVID–19 pandemic and its effects. In 

2020, the ASMB had a 21 percent 

overall response rate, which yielded 

2,100 survey responses. The 2022 

survey is similar to the 2020 survey in 

its focus on how the pandemic impacted 

borrowers and extends the focus to the 

experiences of those who used 

forbearance. 

Seven completely new questions have 

been added regarding expanded 

mortgage payment forbearance options 

and borrowers’ overall financial health. 

Additionally, four questions were added 

which were not in the 2020 ASMB, but 

were in either the 2018 ASMB or the 

current NSMO questionnaire. The 

remaining questions existed in the 2020 

questionnaire, although some have been 

revised to address issues leaving 

forbearance rather than issues entering 

it. Because of the elimination of several 

questions, as well as the combination of 

some other questions, the total number 

of questions has decreased from 92 on 

the 2020 survey questionnaire to 86 on 

the 2022 questionnaire. 

Each of the 86 questions on the 2022 

ASMB survey questionnaire is designed 

to elicit one or more of five different 

categories of information that are not 

available in the administrative data and 

that are needed either to properly 

analyze the issues described above or 

information is needed to validate the 

survey responses. These categories are: 

(1) Information needed to validate that 

the survey reached the correct borrower 

and that the borrower is providing 

answers about the correct loan; (2) 

information about the mortgage loan 

that does not exist in sufficient detail in 

the administrative data; (3) information 

about the borrower’s economic 


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3Coronavirus Aid, Relief, and Economic Security 

Act, Public Law 116–136 (2020). 4See 86 FR 73770 (Dec. 28, 2021). 

circumstances that does not exist, or 

exists in insufficient detail, in the 

administrative data; (4) information 

about the borrower’s attitudes regarding 

their mortgage, property, interactions 

with lenders and servicers, and life 

circumstances; and (5) information 

needed to determine the ultimate 

outcome of the borrower’s forbearance 

or delinquency and the interim steps 

that led to that outcome. 

B. Need for and Use of the Information 

Collection 

FHFA views the NMDB Program as a 

whole, including the ASMB, as the 

monthly ‘‘survey’’ required by section 

1324(c) of the Safety and Soundness 

Act. Core inputs to the NMDB, such as 

a regular refresh of the credit repository 

data, occur monthly, though the actual 

surveys conducted under the NMDB 

Program do not. The information 

collected through the ASMB is used, in 

combination with information obtained 

from existing sources in the NMDB, to 

assist FHFA in understanding how the 

performance of existing mortgages is 

influencing the residential mortgage 

market, what borrower groups are 

discussing with their servicers when 

they are under financial stress, and 

consumers’ opinions of federallysponsored programs designed to assist 

them. This important, but otherwise 

unavailable, information assists FHFA 

in the supervision of its regulated 

entities (Fannie Mae, Freddie Mac, and 

the Federal Home Loan Banks) and in 

the development and implementation of 

appropriate and effective policies and 

programs. The information may also be 

used for research and analysis by CFPB 

and other federal agencies that have 

regulatory and supervisory 

responsibilities and mandates related to 

mortgage markets and to provide a 

resource for research and analysis by 

academics and other interested parties 

outside of the government. 

As discussed above, the agencies have 

added to the 2022 ASMB survey 

questionnaire several questions relating 

to the effect of the COVID–19 pandemic 

on home mortgage borrowers. The 

CARES Act of 2020 3 allowed a 

forbearance for mortgage borrowers 

impacted by the pandemic so they could 

pause or delay their mortgage payments. 

FHFA and CFPB are actively engaged in 

monitoring the outcomes of these 

borrowers and the effects of this policy 

on the residential mortgage market. As 

borrowers exit their forbearance periods, 

it is critical for both agencies to have 

timely access to this information to 

assist in evidenced-based policymaking 

in these areas. 

FHFA is also seeking OMB approval 

to continue to conduct cognitive pretesting of the survey materials. The 

Agency uses information collected 

through that process to assist in drafting 

and modifying the survey questions and 

instructions, as well as the related 

communications, to read in the way that 

will be most readily understood by the 

survey respondents and that will be 

most likely to elicit usable responses. 

Such information is also used to help 

the Agency decide on how best to 

organize and format the survey 

questionnaires. 

C. Burden Estimate 

This information collection comprises 

two components: (1) The ASMB survey; 

and (2) the pre-testing of the survey 

questionnaire and related materials 

through the use of cognitive testing. 

FHFA conducted the survey annually 

from 2016 through 2018, but did not 

conduct the survey in 2019 nor 2021. 

FHFA assumes that it will conduct the 

survey once annually over the next 

three years and that it will conduct two 

rounds of pre-testing on each year of 

survey materials. 

FHFA has analyzed the total hour 

burden on members of the public 

associated with conducting the survey 

(4,200 hours) and with pre-testing the 

survey materials (24 hours) and 

estimates the total annual hour burden 

imposed on the public by this 

information collection to be 4,224 

hours. The estimate for each phase of 

the collection was calculated as follows: 

I. Conducting the Survey 

FHFA estimates that the ASMB 

questionnaire will be sent to 10,000 

recipients each time it is conducted. 

Although it expects that only about 

2,100 of those surveys will be returned, 

FHFA has calculated the burden 

estimates below as if all of the surveys 

will be returned. Based on the reported 

experience of respondents to earlier 

ASMB questionnaires, FHFA estimates 

that it will take each respondent 25 

minutes to complete each survey, 

including the gathering of necessary 

materials to respond to the questions. 

This results in a total annual burden 

estimate of 4,200 hours for the survey 

phase of this collection (1 survey per 

year × 10,000 respondents per survey × 

25 minutes per respondent = 4,200 

hours). 

II. Pre-Testing the Materials 

FHFA estimates that it will sponsor 2 

rounds of 12 cognitive interviews prior 

to conducting each annual survey for a 

total of 24 cognitive interview 

participants. It estimates the 

participation time for each cognitive 

interview participant to be one hour, 

resulting in a total annual burden 

estimate of 24 hours for the pre-testing 

phase of the collection. 

D. Comment Request 

In accordance with the requirements 

of 5 CFR 1320.8(d), FHFA published an 

initial notice and request for public 

comments regarding this information 

collection in the Federal Register on 

December 28, 2021.4 The 60-day 

comment period closed on February 28, 

2022. FHFA received no comments. 

FHFA requests written comments on 

the following: (1) Whether the collection 

of information is necessary for the 

proper performance of FHFA functions, 

including whether the information has 

practical utility; (2) the accuracy of 

FHFA’s estimates of the burdens of the 

collection of information; (3) ways to 

enhance the quality, utility, and clarity 

of the information collected; and (4) 

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. 

Shawn Bucholtz, 

Chief Data Officer, Federal Housing Finance 

Agency. 

BILLING CODE 8070–01–P 


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[FR Doc. 2022–10772 Filed 5–18–22; 8:45 am] 

BILLING CODE 8070–01–C 

FEDERAL MEDIATION AND 

CONCILIATION SERVICE 

Notice of Stakeholder Surveys for 

Facilitation and Other Purposes 

AGENCY: Federal Mediation and 

Conciliation Service (FMCS). 

ACTION: 30-Day notice and request for 

comments. 

SUMMARY: FMCS invites the general 

public and other Federal Agencies to 

take this opportunity to comment on the 

surveys and other information FMCS 

will collect to inform the process and 

participants for its conflict prevention, 

management, and resolution services 

provided to Federal Agencies, 

particularly public policy mediations 

and facilitations that include 

participants external to the federal 

government. 

DATES: Comments must be submitted on 

or before June 21, 2022. 

ADDRESSES: You may submit comments 

through one of the following methods: 

• Email: register@fmcs.gov. 

• Mail: Stakeholder Survey 

Comments c/o Sarah Cudahy, One 

Independence Square, 250 E St. SW, 


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