6340 Federal Register / Vol. 81, No. 24 / Friday, February 5, 2016 / Notices 

per participating interest from the 

STIF’s amortized cost per participating 

interest, and to take certain actions if 

that difference exceeds $0.005 per 

participating interest. 

Twelve CFR 9.18(b)(4)(iii)(H) (and 

150.260 by cross-reference) require that 

national banks and FSAs adopt, for 

STIFs, procedures for stress testing the 

STIF’s ability to maintain a stable net 

asset value per participating interest and 

provide for reporting the results. 

Twelve CFR 9.18(b)(4)(iii)(I) (and 

150.260 by cross-reference) require that 

national banks and FSAs adopt, for 

STIFs, procedures that require a 

national bank or FSA to disclose to the 

OCC and to STIF participants within 

five business days after each calendar 

month-end the following information 

about the fund: total assets under 

management; mark-to-market and 

amortized cost net asset values; dollarweighted average portfolio maturity; 

dollar-weighted average portfolio life 

maturity as of the last business day of 

the prior calendar month; and certain 

other security-level information for each 

security held. 

Twelve CFR 9.18(b)(4)(iii)(J) (and 

150.260 by cross-reference) require that 

national banks and FSAs adopt, for 

STIFs, procedures that require a 

national bank or FSA that manages a 

STIF to notify the OCC prior to or 

within one business day thereafter of 

certain events. 

Twelve CFR 9.18(b)(4)(iii)(K) (and 

150.260 by cross-reference) require that 

national banks and FSAs adopt, for 

STIFs, certain procedures in the event 

that the STIF has repriced its net asset 

value below $0.995 per participating 

interest. 

Twelve CFR 9.18(b)(4)(iii)(L) (and 

150.260 by cross-reference) require that 

national banks and FSAs adopt, for 

STIFs, procedures for initiating 

liquidation of a STIF upon the 

suspension or limitation of withdrawals 

as a result of redemptions. 

Twelve CFR 9.18(b)(6)(ii) (and 

150.260 by cross-reference) require, for 

CIFs, that national banks and FSAs, at 

least once during each 12-month period, 

prepare a financial report of the fund 

based on the audit required by 12 CFR 

9.18(b)(6)(i). The report must disclose 

the fund’s fees and expenses in a 

manner consistent with applicable state 

law in the state in which the national 

bank or FSA maintains the fund and 

must contain: 

• A list of investments in the fund 

showing the cost and current market 

value of each investment; 

• A statement covering the period 

after the previous report showing the 

following (organized by type of 

investment): 

Æ A summary of purchases (with 

costs); 

Æ A summary of sales (with profit or 

loss and any investment change); 

Æ Income and disbursements; and 

Æ An appropriate notation of any 

investments in default. 

Twelve CFR 9.18(b)(6)(iv) (and 

150.260 by cross-reference) require that 

a national bank or FSA managing a CIF 

provide a copy of the financial report, 

or provide notice that a copy of the 

report is available upon request without 

charge, to each person who ordinarily 

would receive a regular periodic 

accounting with respect to each 

participating account. The national bank 

or FSA may provide a copy to 

prospective customers. In addition, the 

national bank or FSA must provide a 

copy of the report upon request to any 

person for a reasonable charge. 

Twelve CFR 9.18(c)(5) (and 150.260 

by cross-reference) require that, for 

special exemption CIFs, national banks 

and FSAs must submit to the OCC a 

written plan that sets forth: 

• The reason the proposed fund 

requires a special exemption; 

• The provisions of the fund that are 

inconsistent with 12 CFR 9.18(a) and 

(b); 

• The provisions of 12 CFR 9.18(b) for 

which the national bank or FSA seeks 

an exemption; and 

• The manner in which the proposed 

fund addresses the rights and interests 

of participating accounts. 

Type of Review: Regular. 

Affected Public: Businesses or other 

for-profit. 

Estimated Number of Respondents: 

398. 

Frequency of Response: On occasion. 

Estimated Total Annual Burden: 

109,320 hours. 

The OCC published a notice for 60 

days of comment regarding the 

collection on November 20, 2015, 80 FR 

72784. No comments were received. 

Comments continue to be solicited on: 

(a) Whether the collection of 

information is 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 

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 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. 

Dated: February 1, 2016. 

Mary H. Gottlieb, 

Regulatory Specialist, Legislative and 

Regulatory Activities Division. 

[FR Doc. 2016–02207 Filed 2–4–16; 8:45 am] 

BILLING CODE 4810–33–P 

DEPARTMENT OF THE TREASURY 

Office of the Comptroller of the 

Currency 

Agency Information Collection 

Activities: Information Collection 

Renewal; Submission for OMB Review; 

Identity Theft Red Flags and Address 

Discrepancies Under the Fair and 

Accurate Credit Transactions Act of 

2003 

AGENCY: Office of the Comptroller of the 

Currency, Treasury (OCC). 

ACTION: Notice and request for comment. 

SUMMARY: The OCC, 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 a continuing information 

collection, as required by the Paperwork 

Reduction Act of 1995 (PRA). 

An agency may not conduct or 

sponsor, and a respondent is not 

required to respond to, an information 

collection unless it displays a currently 

valid OMB control number. 

The OCC is soliciting comment 

concerning the renewal of its 

information collection titled, ‘‘Identity 

Theft Red Flags and Address 

Discrepancies under the Fair and 

Accurate Credit Transactions Act of 

2003.’’ The OCC also is giving notice 

that it has sent the collection to OMB for 

review. 

DATES: Comments must be received by 

March 7, 2016. 

ADDRESSES: Because paper mail in the 

Washington, DC area and at the OCC is 

subject to delay, commenters are 

encouraged to submit comments by 

email, if possible. Comments may be 

sent to: Legislative and Regulatory 

Activities Division, Office of the 

Comptroller of the Currency, Attention: 

1557–0237, 400 7th Street SW., Suite 

3E–218, mail stop 9W–11, Washington, 

DC 20219. In addition, comments may 

be sent by fax to (571) 465–4326 or by 

electronic mail to prainfo@occ.treas.gov. 

You may personally inspect and 

photocopy comments at the OCC, 400 

7th Street SW., Washington, DC 20219. 

mstockstill on DSK4VPTVN1PROD with NOTICES

Federal Register / Vol. 81, No. 24 / Friday, February 5, 2016 / Notices 6341 

1Section 114 required the guidelines and 

regulations to be issued jointly by the Federal 

banking agencies (OCC, Board of Governors of the 

Federal Reserve System, and Federal Deposit 

Insurance Corporation), the National Credit Union 

Administration, and the Federal Trade Commission. 

Therefore, for purposes of this filing, ‘‘Agencies’’ 

refers to these entities. Note that Section 1088(a)(8) 

of the Dodd-Frank Act further amended section 615 

of FCRA to also require the Securities and Exchange 

Commission and the Commodity Futures Trading 

Commission to issue Red Flags guidelines and 

regulations. 

2These regulations have been transferred to the 

Consumer Financial Protection Bureau. 

For security reasons, the OCC requires 

that visitors make an appointment to 

inspect comments. You may do so by 

calling (202) 649–6700 or, for persons 

who are deaf or hard of hearing, TTY, 

(202) 649–5597. Upon arrival, visitors 

will be required to present valid 

government-issued photo identification 

and submit to security screening in 

order to inspect and photocopy 

comments. 

Comments received, including 

attachments and other supporting 

materials, are part of the public record 

and subject to public disclosure. Do not 

include any information in your 

comment or supporting materials that 

you consider confidential or 

inappropriate for public disclosure. 

Additionally, please send a copy of 

your comments by mail to: OCC Desk 

Officer, 1557–0237, U.S. Office of 

Management and Budget, 725 17th 

Street NW., #10235, Washington, DC 

20503, or by email to: oira_submission@

omb.eop.gov. 

FOR FURTHER INFORMATION CONTACT: 

Shaquita Merritt, Clearance Officer, 

(202) 649–5490 or, for persons who are 

deaf or hard of hearing, TTY, (202) 649– 

5597, Legislative and Regulatory 

Activities Division, Office of the 

Comptroller of the Currency, 400 7th 

Street SW., Washington, DC 20219. 

SUPPLEMENTARY INFORMATION: Pursuant 

to the PRA (44 U.S.C. 3501–3520), the 

OCC is requesting that OMB extend its 

approval of the following information 

collection: 

Title: Identity Theft Red Flags and 

Address Discrepancies under the Fair 

and Accurate Credit Transactions Act of 

2003. 

OMB Control No.: 1557–0237. 

Description: Section 114 of the FACT 

Act amended section 615 of the Fair 

Credit Reporting Act (FCRA) to require 

the Agencies 1 to issue jointly: 

• Guidelines for financial institutions 

and creditors regarding identity theft 

with respect to their account holders 

and customers; (in developing the 

guidelines, the Agencies are required to 

identify patterns, practices, and specific 

forms of activity that indicate the 

possible existence of identity theft; the 

guidelines must be updated as often as 

necessary and must be consistent with 

the policies and procedures required 

under section 326 of the USA PATRIOT 

Act, 31 U.S.C. 5318(l)); 

• Regulations that require each 

financial institution and each creditor to 

establish reasonable policies and 

procedures for implementing the 

guidelines in order to identify possible 

risks to account holders or customers or 

to the safety and soundness of the 

institution or creditor; and 

• Regulations generally requiring 

credit and debit card issuers to assess 

the validity of change of address 

requests under certain circumstances. 

Section 315 of the FACT Act also 

amended section 605 of the FCRA to 

require the Agencies to issue regulations 

providing guidance regarding what 

reasonable policies and procedures a 

user of consumer reports must have in 

place and employ when a user receives 

a notice of address discrepancy from a 

consumer reporting agency (CRA).2

These regulations are required to 

describe reasonable policies and 

procedures for users of consumer 

reports to: 

• Enable a user to form a reasonable 

belief that it knows the identity of the 

person for whom it has obtained a 

consumer report; and 

• Reconcile the address of the 

consumer with the CRA, if the user 

establishes a continuing relationship 

with the consumer and regularly and, in 

the ordinary course of business, 

furnishes information to the CRA. 

As required by section 114 of the 

FACT Act, appendix J to 12 CFR part 41 

contains guidelines for financial 

institutions and creditors to use in 

identifying patterns, practices, and 

specific forms of activity that may 

indicate the existence of identity theft. 

In addition, 12 CFR 41.90 requires each 

financial institution or creditor that is a 

national bank, Federal savings 

association, Federal branch or agency of 

a foreign bank, and any of their 

operating subsidiaries that are not 

functionally regulated, to establish an 

Identity Theft Prevention Program 

(Program) designed to detect, prevent, 

and mitigate identity theft in connection 

with accounts. Pursuant to § 41.91, 

credit card and debit card issuers must 

implement reasonable policies and 

procedures to assess the validity of a 

request for a change of address under 

certain circumstances. 

Section 41.90 requires each OCCregulated financial institution or 

creditor that offers or maintains one or 

more covered accounts to develop and 

implement a Program. In developing the 

Program, financial institutions and 

creditors are required to consider the 

guidelines in appendix J and include 

the suggested provisions, as appropriate. 

The initial Program must be approved 

by the institution’s board of directors or 

by an appropriate committee thereof. 

The board, an appropriate committee 

thereof, or a designated employee at the 

level of senior management must be 

involved in the oversight of the 

Program. In addition, staff members 

must be trained to carry out the 

Program. Pursuant to § 41.91, each 

credit and debit card issuer is required 

to establish and implement policies and 

procedures to assess the validity of a 

change of address request if it is 

followed by a request for an additional 

or replacement card. Before issuing the 

additional or replacement card, the card 

issuer must notify the cardholder of the 

request and provide the cardholder a 

reasonable means to report incorrect 

address changes or use another means to 

assess the validity of the change of 

address. 

As required by section 315 of the 

FACT Act, § 1022.82 requires users of 

consumer reports to have in place 

reasonable policies and procedures that 

must be followed when a user receives 

a notice of address discrepancy from a 

credit reporting agency (CRA). 

Section 1022.82 requires each user of 

consumer reports to develop and 

implement reasonable policies and 

procedures designed to enable the user 

to form a reasonable belief that a 

consumer report relates to the consumer 

about whom it requested the report 

when it receives a notice of address 

discrepancy from a CRA. A user of 

consumer reports also must develop and 

implement reasonable policies and 

procedures for furnishing a customer 

address that the user has reasonably 

confirmed to be accurate to the CRA 

from which it receives a notice of 

address discrepancy when the user can: 

(1) Form a reasonable belief that the 

consumer report relates to the consumer 

about whom the user has requested the 

report; (2) establish a continuing 

relationship with the consumer; and (3) 

establish that it regularly and, in the 

ordinary course of business, furnishes 

information to the CRA from which it 

received the notice of address 

discrepancy. 

Type of Review: Regular. 

Affected Public: Businesses or other 

for-profit. 

Estimated Number of Respondents: 

1,444. 

Frequency of Response: On occasion. 

Estimated Total Annual Burden: 

161,034 hours. 

mstockstill on DSK4VPTVN1PROD with NOTICES

6342 Federal Register / Vol. 81, No. 24 / Friday, February 5, 2016 / Notices 

The OCC published a notice 

concerning this collection for 60 days of 

comment on November 20, 2015, 80 

FR72783. No comments were received. 

Comments continue to be invited on: 

(a) Whether the collection of 

information is 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 

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 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. 

Dated: February 1, 2016. 

Mary H. Gottlieb, 

Regulatory Specialist, Legislative and 

Regulatory Activities Division. 

[FR Doc. 2016–02206 Filed 2–4–16; 8:45 am] 

BILLING CODE 4810–33–P 

DEPARTMENT OF VETERANS 

AFFAIRS 

[OMB Control No. 2900–0609] 

Agency Information Collection (VA 

Survey of Veteran Enrollees’ Health 

and Use of Health Care (Survey of 

Enrollees)) Activity Under OMB Review 

AGENCY: Veterans Health 

Administration, Department of Veterans 

Affairs. 

ACTION: Notice. 

SUMMARY: In compliance with the 

Paperwork Reduction Act (PRA) of 1995 

(44 U.S.C. 3501–3521), this notice 

announces that the Veterans Health 

Administration (VHA), Department of 

Veterans Affairs, will submit the 

collection of information abstracted 

below to the Office of Management and 

Budget (OMB) for review and comment. 

The PRA submission describes the 

nature of the information collection and 

its expected cost and burden; it includes 

the actual data collection instrument. 

DATES: Comments must be submitted on 

or before March 7, 2016. 

ADDRESSES: Submit written comments 

on the collection of information through 

www.Regulations.gov, or to Office of 

Information and Regulatory Affairs, 

Office of Management and Budget, Attn: 

VA Desk Officer; 725 17th St. NW., 

Washington, DC 20503 or sent through 

electronic mail to oira_submission@

omb.eop.gov. Please refer to ‘‘OMB 

Control No. 2900–0609’’ in any 

correspondence. 

FOR FURTHER INFORMATION CONTACT: 

Crystal Rennie, Enterprise Records 

Service (005R1B), Department of 

Veterans Affairs, 810 Vermont Avenue 

NW., Washington, DC 20420, (202) 632– 

7492 or email crystal.rennie@va.gov. 

Please refer to ‘‘OMB Control No. 2900– 

0609.’’ 

SUPPLEMENTARY INFORMATION: 

Title: Survey of Veteran Enrollees’ 

Health and Use of Health Care (Survey 

of Enrollees). 

OMB Control Number: 2900–0609. 

Type of Review: Revision of a 

currently approved collection. 

Abstract: The Department of Veterans 

Affairs (VA) Survey of Veteran 

Enrollees’ Health and Use of Health 

Care (Survey of Enrollees) gathers 

information from Veterans enrolled in 

the VA Health Care System regarding 

factors which influence their health care 

utilization choices. Data collected are 

used to gain insights into Veteran 

preferences and to provide VA and VHA 

management guidance in preparing for 

future Veteran needs. In addition to 

factors influencing health care choices, 

the data collected include enrollees’ 

perceived health status and need for 

caregiver support, available insurances, 

self-reported utilization of VA services 

versus other health care services, 

reasons for using VA, barriers to seeking 

care, ability and comfort level with 

accessing virtual care, as well as general 

demographics and family characteristics 

that may influence utilization but 

cannot be accessed elsewhere. 

An agency may not conduct or 

sponsor, and a person is not required to 

respond to a collection of information 

unless it displays a currently valid OMB 

control number. The Federal Register 

Notice with a 60-day comment period 

soliciting comments on this collection 

of information was published at 80 FR 

72786 on November 20, 2015. 

Affected Public: Individuals or 

households. 

Estimated Annual Burden: 14,700 

hours. 

Estimated Average Burden per 

Respondent: 21 minutes. 

Frequency of Response: Annually. 

Estimated Annual Responses: 42,000. 

By direction of the Secretary. 

Crystal Rennie, 

Department Clearance Officer,Department of 

Veterans Affairs. 

[FR Doc. 2016–02178 Filed 2–4–16; 8:45 am] 

BILLING CODE 8320–01–P 

DEPARTMENT OF VETERANS 

AFFAIRS 

Commission on Care 

ACTION: Notice of meeting. 

In accordance with the Federal 

Advisory Committee Act, 5 U.S.C., App. 

2, the Commission on Care gives 

amended notice that it will meet 

Monday, February 8, 2016 at the 

Washington Marriott at Metro Center, 

775 12th St. NW., Washington, DC 

20005. The meeting will convene at 

12:00 p.m. and end no later than 8:00 

p.m. The meeting is open to the public. 

The purpose of the Commission, as 

described in section 202 of the Veterans 

Access, Choice, and Accountability Act 

of 2014, is to examine the access of 

veterans to health care from the 

Department of Veterans Affairs and 

strategically examine how best to 

organize the Veterans Health 

Administration, locate health care 

resources, and deliver health care to 

veterans during the next 20 years. 

No time will be allocated at this 

meeting for receiving oral presentations 

from the public. The public may submit 

written statements for the Commission’s 

review to commissiononcare@va.gov. 

Any member of the public wanting to 

attend may also register their intention 

to attend by emailing the same address. 

Dated: February 1, 2016. 

John Goodrich, 

Designated Federal Officer, Commission on 

Care. 

[FR Doc. 2016–02177 Filed 2–4–16; 8:45 am] 

BILLING CODE 8320–01–P 

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