Federal Register / Vol. 87, No. 124 / Wednesday, June 29, 2022 / Notices 38829 

5 12 CFR 1005.18(e)(3)(ii)(C). 

the consumer can obtain an electronic 

account history, such as the address of 

a website; and (3) a written history of 

the consumer’s account transactions 

that is provided promptly in response to 

an oral or written request and that 

covers at least 24 months preceding the 

date the financial institution receives 

the consumer’s request. Section 

1005.18(c)(5) requires that financial 

institutions disclose to consumers a 

summary total of the amount of all fees 

assessed against the consumer’s prepaid 

account for both the prior month as well 

as the calendar year to date. This 

information must be disclosed on any 

periodic statement and any history of 

account transactions provided or made 

available by the financial institution. 

For prepaid accounts that are not 

payroll card accounts or government 

benefit accounts, a financial institution 

is not required to comply with the 

liability limits and error resolution 

requirements of Regulation E for any 

prepaid account for which it has not 

successfully completed its consumer 

identification and verification process, 

provided certain disclosures are given. 

With regard to accounts where the 

consumer’s identity is later verified, 

financial institutions must limit the 

consumer’s liability for unauthorized 

transfers and resolve errors that occur 

following verification in accordance 

with relevant Reg. E provisions. For 

accounts in programs where there is no 

verification process, financial 

institutions must either explain in their 

initial disclosures their error resolution 

process and limitations on consumers’ 

liability for unauthorized transfers, or 

explain that there are no such 

protections, and that such financial 

institutions comply with the process (if 

any) that they disclose.5

Pursuant to § 1005.18(h)(1), except as 

provided in § 1005.18(h)(2) and (3), the 

effective date for the prepaid accounts 

rules is April 1, 2019. If, as a result of 

§ 1005.18(h)(1), a financial institution 

changes the terms and conditions of a 

prepaid account, such that a change-interms notice would have been required 

under § 1005.8(a) or § 1005.18(f)(2) for 

existing customers, the financial 

institution must notify consumers with 

accounts acquired before April 1, 2019 

at least 21 days in advance of the change 

becoming effective, provided the 

financial institution has the consumer’s 

contact information. If the financial 

institution obtains the consumer’s 

contact information fewer than 30 days 

in advance of the change becoming 

effective or after it has become effective, 

the financial institution is permitted 

instead to provide notice of the change 

within 30 days of obtaining the 

consumer’s contact information. 

If a financial institution has not 

obtained a consumer’s consent to 

provide disclosures in electronic form 

pursuant to the E-Sign Act, or is not 

otherwise already mailing or delivering 

to the consumer written account-related 

communications, the financial 

institution may provide to the consumer 

a notice of a change in terms and 

conditions or required or voluntary 

updated initial disclosures under Reg. E 

taking effect in electronic form without 

regard to the consumer notice and 

consent requirements of the E-Sign Act. 

Section 1005.18(h)(2)(ii) requires that 

financial institutions notify any 

consumer who acquires a prepaid 

account after the effective date specified 

in packaging produced prior to the 

effective date of any changes as a result 

of § 1005.18(h)(1) taking effect that 

would have caused a change-in-terms 

notice to be required under § 1005.8(a) 

or § 1005.18(f)(2) for existing customers 

within 30 days of acquiring the 

customer’s contact information. In 

addition, financial institutions must 

mail or deliver updated initial 

disclosures pursuant to §§ 1005.7 and 

1005.18(f)(1) within 30 days of 

obtaining the consumer’s contact 

information. Those financial institutions 

that are affected should not incur 

significant costs associated with 

notifying consumers and providing 

updated initial disclosures. Consumers 

who have consented to electronic 

communication may receive the notices 

and updated disclosures electronically, 

at a minimal cost to financial 

institutions. A financial institution that 

has not obtained the consumer’s contact 

information is not required to comply 

with the requirements set forth in 

§ 1005.18(h)(2)(ii) or (iii). 

Section 1005.19(b) requires certain 

issuers to submit to the CFPB, on a 

rolling basis, prepaid account 

agreements (including fee schedules) 

that are offered, amended, or 

withdrawn. Prepaid account issuers are 

permitted to delay submitting a change 

in the list of names of other relevant 

parties to a particular prepaid account 

agreement until the earlier of such time 

as the issuer is otherwise submitting an 

amended agreement or changes to other 

identifying information about the issuer 

and its submitted agreements to the 

CFPB or May 1 of each year (for updates 

between the last submission and April 

1 of that year). Changes in agreement 

provisions or fee information may be 

integrated into the text of the agreement 

or provided through fee addenda. 

Affected Public: Businesses or other 

for-profit. 

Burden Estimates: 

Estimated Number of Respondents: 

1,106. 

Estimated Annual Burden: 6,605 

hours. 

Frequency of Response: On occasion. 

Comments: Comments submitted in 

response to this notice will be 

summarized and included in the request 

for OMB approval. All comments will 

become a matter of public record. 

Comments are invited on: 

(a) Whether the collections of 

information are necessary for the proper 

performance of the functions of the 

OCC, including whether the information 

has practical utility; 

(b) The accuracy of the OCC’s 

estimates of the information collection 

burden; 

(c) Ways to enhance the quality, 

utility, and clarity of the information to 

be collected; 

(d) Ways to minimize the burden of 

the collection on respondents, including 

through the use of automated collection 

techniques or other forms of information 

technology; and 

(e) Estimates of capital or start-up 

costs and costs of operation, 

maintenance, and purchase of services 

to provide information. 

Theodore J. Dowd, 

Deputy Chief Counsel, Office of the 

Comptroller of the Currency. 

[FR Doc. 2022–13942 Filed 6–28–22; 8:45 am] 

BILLING CODE 4810–33–P 

DEPARTMENT OF THE TREASURY 

Internal Revenue Service 

Proposed Collection; Comment 

Request for Regulation Project 

AGENCY: Internal Revenue Service (IRS), 

Treasury. 

ACTION: Notice and request for 

comments. 

SUMMARY: The Internal Revenue Service 

(IRS), as part of its continuing effort to 

reduce paperwork and respondent 

burden, invites the general public and 

other Federal agencies to take this 

opportunity to comment on information 

collections, as required by the 

Paperwork Reduction Act of 1995. The 

IRS is soliciting comments concerning 

Testimony or Production of Records in 

a Court or Other Proceeding. 

DATES: Written comments should be 

received on or before August 29, 2022 

to be assured of consideration. 

ADDRESSES: Direct all written comments 

to Andres Garcia, Internal Revenue 


lotter on DSK11XQN23PROD with NOTICES1
38830 Federal Register / Vol. 87, No. 124 / Wednesday, June 29, 2022 / Notices 

Service, Room 6526, 1111 Constitution 

Avenue NW, Washington, DC 20224, or 

by email to omb.unit@irs.gov. Include 

‘‘OMB Number 1545–1850-Testimony or 

Production of Records in a Court or 

Other Proceeding’’ in the subject line of 

the message. 

FOR FURTHER INFORMATION CONTACT: 

Requests for additional information or 

copies of this collection should be 

directed to Martha R. Brinson, at (202) 

317–5753, or at Internal Revenue 

Service, Room 6526, 1111 Constitution 

Avenue NW, Washington, DC 20224, or 

through the internet at 

Martha.R.Brinson@irs.gov. 

SUPPLEMENTARY INFORMATION:

Title: Testimony or Production of 

Records in a Court or Other Proceeding. 

OMB Number: 1545–1850. 

Regulation Project Number: TD 9178. 

Abstract: Final regulation provide 

specific instructions and to clarify the 

circumstances under which more 

specific procedures take precedence. 

The final regulation extends the 

application of the regulation to former 

IRS officers and employees as well as to 

persons who are or were under contract 

to the IRS. The final regulation affects 

current and former IRS officers, 

employees and contractors, and persons 

who make requests or demands for 

disclosure. 

Current Actions: There are no changes 

to the paperwork burden previously 

approved by OMB. 

Type of Review: Extension of a 

currently approved collection. 

Affected Public: Businesses and other 

for-profit organizations, Individuals and 

households, Not-for-Profit institutions, 

and Farms. 

Estimated Number of Respondents: 

1,400. 

Estimated Time per Respondent: 1 

hour. 

Estimated Total Annual Burden 

Hours: 1,400. 

The following paragraph applies to all 

of the collections of information covered 

by this notice: 

An agency may not conduct or 

sponsor, and a person is not required to 

respond to, a collection of information 

unless the collection of information 

displays a valid OMB control number. 

Books or records relating to a collection 

of information must be retained as long 

as their contents may become material 

in the administration of any internal 

revenue law. Generally, tax returns and 

tax return information are confidential, 

as required by 26 U.S.C. 6103. 

Request for Comments: Comments 

submitted in response to this notice will 

be summarized and/or included in the 

request for OMB approval. Comments 

will be of public record. Comments are 

invited on: (a) whether the collection of 

information is necessary for the proper 

performance of the functions of the 

agency, including whether the 

information has practical utility; (b) the 

accuracy of the agency’s estimate of the 

burden of the collection of information; 

(c) ways to enhance the quality, utility, 

and clarity of the information to be 

collected; (d) ways to minimize the 

burden of the collection of information 

on or other forms of information 

technology; and (e) estimates of capital 

or start-up costs and costs of operation, 

maintenance, and purchase of services 

to provide information. 

Approved: June 22, 2022. 

Martha R. Brinson, 

Tax Analyst. 

[FR Doc. 2022–13849 Filed 6–28–22; 8:45 am] 

BILLING CODE 4830–01–P 

DEPARTMENT OF THE TREASURY 

Internal Revenue Service 

Internal Revenue Service Advisory 

Council; Meeting 

AGENCY: Internal Revenue Service, 

Department of Treasury. 

ACTION: Notice of meeting. 

SUMMARY: The Internal Revenue Service 

Advisory Council will hold a public 

meeting. 

DATES: The meeting will be held 

Wednesday, July 13, 2022. 

ADDRESSES: The meeting will be held 

via conference call. 

FOR FURTHER INFORMATION CONTACT: Ms. 

Stephanie Burch, Office of National 

Public Liaison, at 202–317–4219 or send 

an email to PublicLiaison@irs.gov. 

SUPPLEMENTARY INFORMATION: Notice is 

hereby given pursuant to section 10(a) 

(2) of the Federal Advisory Committee 

Act, 5 U.S.C. app. (1988), that a public 

meeting of the Internal Revenue Service 

Advisory Council (IRSAC) will be held 

on Wednesday, July 13, 2022, to discuss 

topics that may be recommended for 

inclusion in a future report of the 

Council. The meeting will take place 

3:00–4:00 p.m. Eastern Daylight Time. 

The meeting will be held via 

conference call. To register, members of 

the public may contact Ms. Stephanie 

Burch at 202–317–4219 or send an 

email to PublicLiaison@irs.gov. 

Attendees are encouraged to join at least 

5–10 minutes before the meeting begins. 

Time permitting, after the close of this 

discussion by IRSAC members, 

interested persons may make oral 

statements germane to the Council’s 

work. Persons wishing to make oral 

statements should contact Ms. 

Stephanie Burch at PublicLiaison@

irs.gov and include the written text or 

outline of comments they propose to 

make orally. Such comments will be 

limited to five minutes in length. In 

addition, any interested person may file 

a written statement for consideration by 

the IRSAC by sending it to 

PublicLiaison@irs.gov. 

Dated: June 22, 2022. 

John A. Lipold, 

Designated Federal Officer, Internal Revenue 

Service Advisory Council. 

[FR Doc. 2022–13851 Filed 6–28–22; 8:45 am] 

BILLING CODE P 

DEPARTMENT OF THE TREASURY 

Agency Information Collection 

Activities; Submission for OMB 

Review; Comment Request; Labeling 

and Advertising Requirements Under 

the Federal Alcohol Administration Act 

AGENCY: Departmental Offices, U.S. 

Department of the Treasury. 

ACTION: Notice of information collection, 

request for comment. 

SUMMARY: The Department of the 

Treasury will submit the following 

information collection requests to the 

Office of Management and Budget 

(OMB) for review and clearance in 

accordance with the Paperwork 

Reduction Act of 1995, on or after the 

date of publication of this notice. The 

public is invited to submit comments on 

these requests. 

DATES: Comments should be received on 

or before July 29, 2022 to be assured of 

consideration. 

ADDRESSES: 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: 

Copies of the submissions may be 

obtained from Melody Braswell by 

emailing PRA@treasury.gov, calling 

(202)–622–1035, or viewing the entire 

information collection request at 

www.reginfo.gov. 

SUPPLEMENTARY INFORMATION: 


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