8052 Federal Register / Vol. 81, No. 31 / Wednesday, February 17, 2016 / Notices 

Dated: February 10, 2016. 

Darrin A. King, 

Paperwork Reduction Act Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2016–03245 Filed 2–16–16; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

[Docket No: CFPB–2016–0005] 

Agency Information Collection 

Activities: Submission for OMB 

Review; Comment Request 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for comment. 

SUMMARY: In accordance with the 

Paperwork Reduction Act of 1995 

(PRA), the Consumer Financial 

Protection Bureau (Bureau) is proposing 

to renew the Office of Management and 

Budget (OMB) approval for an existing 

information collection, titled, 

‘‘Homeownership Counseling 

Amendments to the Real Estate 

Settlement Procedures Act (Regulation 

X) 12 CFR 1024.’’ 

DATES: Written comments are 

encouraged and must be received on or 

before March 18, 2016 to be assured of 

consideration. 

ADDRESSES: You may submit comments, 

identified by the title of the information 

collection, OMB Control Number (see 

below), and docket number (see above), 

by any of the following methods: 

• Electronic: http://

www.regulations.gov. Follow the 

instructions for submitting comments. 

• OMB: Office of Management and 

Budget, New Executive Office Building, 

Room 10235, Washington, DC 20503 or 

fax to (202) 395–5806. Mailed or faxed 

comments to OMB should be to the 

attention of the OMB Desk Officer for 

the Bureau of Consumer Financial 

Protection. 

Please note that comments submitted 

after the comment period will not be 

accepted. In general, all comments 

received will become public records, 

including any personal information 

provided. Sensitive personal 

information, such as account numbers 

or social security numbers, should not 

be included. 

FOR FURTHER INFORMATION CONTACT: 

Documentation prepared in support of 

this information collection request is 

available at www.reginfo.gov (this link 

active on the day following publication 

of this notice). Select ‘‘Information 

Collection Review,’’ under ‘‘Currently 

under review, use the dropdown menu 

‘‘Select Agency’’ and select ‘‘Consumer 

Financial Protection Bureau’’ (recent 

submissions to OMB will be at the top 

of the list). The same documentation is 

also available at http://

www.regulations.gov. Requests for 

additional information should be 

directed to the Consumer Financial 

Protection Bureau, (Attention: PRA 

Office), 1700 G Street NW., Washington, 

DC 20552, (202) 435–9575, or email: 

PRA@cfpb.gov. Please do not submit 

comments to this email box. 

SUPPLEMENTARY INFORMATION: 

Title of Collection: Homeownership 

Counseling Amendments to the Real 

Estate Settlement Procedures Act 

(Regulation X) 12 CFR 1024. 

OMB Control Number: 3170–0025. 

Type of Review: Extension without 

change of an existing information 

collection. 

Affected Public: Private sector. 

Estimated Number of Respondents: 

2,259. 

Estimated Total Annual Burden 

Hours: 117,500. 

Abstract: Regulation X implements 

the Real Estate Settlement Procedures 

Act, ensures that consumers are 

provided with more helpful information 

about the cost of the mortgage 

settlement and protected from 

unnecessarily high settlement charges 

caused by certain abusive practices. 

Regulation X contains information 

collections in the form of third party 

disclosures and recordkeeping 

requirements. 

This amendment to Regulation X 

requires lenders to provide mortgage 

applicants a list of certified 

homeownership counselors at or soon 

after the time of their application. This 

requirement is meant to help applicants 

be informed about the process of 

applying for a mortgage, and receive 

additional non-biased guidance if 

desired. 

Request For Comments: The Bureau 

issued a 60-day Federal Register notice 

on November 25, 2015, 80 FR 73734. 

Comments were solicited and continue 

to be invited on: (a) Whether the 

collection of information is necessary 

for the proper performance of the 

functions of the Bureau, including 

whether the information will have 

practical utility; (b) The accuracy of the 

Bureau’s estimate of the burden of the 

collection of information, including the 

validity of the methods and the 

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. 

Comments submitted in response to this 

notice will be summarized and/or 

included in the request for OMB 

approval. All comments will become a 

matter of public record. 

Dated: February 10, 2016. 

Darrin A. King, 

Paperwork Reduction Act Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2016–03204 Filed 2–16–16; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

[Docket No: CFPB–2016–0003] 

Agency Information Collection 

Activities: Submission for OMB 

Review; Comment Request 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for comment. 

SUMMARY: In accordance with the 

Paperwork Reduction Act of 1995 

(PRA), the Consumer Financial 

Protection Bureau (Bureau) is proposing 

to renew the Office of Management and 

Budget (OMB) approval for an existing 

information collection titled, ‘‘Equal 

Credit Opportunity Act (Regulation B) 

12 CFR 1002.’’ 

DATES: Written comments are 

encouraged and must be received on or 

before March 18, 2016 to be assured of 

consideration. 

ADDRESSES: You may submit comments, 

identified by the title of the information 

collection, OMB Control Number (see 

below), and docket number (see above), 

by any of the following methods: 

• Electronic: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

• OMB: Office of Management and 

Budget, New Executive Office Building, 

Room 10235, Washington, DC 20503 or 

fax to (202) 395–5806. Mailed or faxed 

comments to OMB should be to the 

attention of the OMB Desk Officer for 

the Bureau of Consumer Financial 

Protection. 

Please note that comments submitted 

after the comment period will not be 

accepted. In general, all comments 

received will become public records, 

including any personal information 

provided. Sensitive personal 

information, such as account numbers 

or social security numbers, should not 

be included. 

FOR FURTHER INFORMATION CONTACT: 

Documentation prepared in support of 

this information collection request is 


asabaliauskas on DSK5VPTVN1PROD with NOTICES
Federal Register / Vol. 81, No. 31 / Wednesday, February 17, 2016 / Notices 8053 

available at www.reginfo.gov (this link 

active on the day following publication 

of this notice). Select ‘‘Information 

Collection Review,’’ under ‘‘Currently 

under review, use the dropdown menu 

‘‘Select Agency’’ and select ‘‘Consumer 

Financial Protection Bureau’’ (recent 

submissions to OMB will be at the top 

of the list). The same documentation is 

also available at http:// 

www.regulations.gov. Requests for 

additional information should be 

directed to the Consumer Financial 

Protection Bureau, (Attention: PRA 

Office), 1700 G Street NW., Washington, 

DC 20552, (202) 435–9575, or email: 

PRA@cfpb.gov. Please do not submit 

comments to this email box. 

SUPPLEMENTARY INFORMATION: 

Title of Collection: Equal Credit 

Opportunity Act (Regulation B) 12 CFR 

1002. 

OMB Control Number: 3170–0013. 

Type of Review: Extension without 

change of an existing information 

collection. 

Affected Public: Private sector. 

Estimated Number of Respondents: 

514,000. 

Estimated Total Annual Burden 

Hours: 1,450,250. 

Abstract: The Equal Credit 

Opportunity Act (ECOA) was enacted to 

ensure that credit is made available to 

all creditworthy applicants without 

discrimination on the basis of sex, 

marital status, race, color, religion, 

national origin, age, or other prohibited 

bases under the ECOA. The ECOA 

allows for creditors to collect 

information for self-testing against these 

criteria, while not allowing creditors to 

use this information in making credit 

decisions of applicants. For certain 

mortgage applications, the ECOA 

requires creditors to ask for some of the 

prohibited information for monitoring 

purposes. In addition, for certain 

mortgage applications, creditors are 

required to send a copy of any appraisal 

or written valuation used in the 

application process to the applicant in 

a timely fashion. 

The ECOA also prescribes creditors to 

inform applicants of decisions made on 

credit applications. In particular, where 

creditors make adverse actions on credit 

applications or existing accounts, 

creditors must inform consumers as to 

why the adverse action was taken, such 

that credit applicants can challenge 

errors on their accounts or learn how to 

become more creditworthy. Creditors 

must retain all application information 

for 25 months, including notices sent 

and any information related to adverse 

actions. 

Finally, the ECOA requires creditors 

who furnish applicant information to a 

consumer credit bureau to reflect 

participation of the applicant’s spouse, 

if the spouse if permitted to use or 

contractually liable on the account. 

Request for Comments: The Bureau 

issued a 60-day Federal Register notice 

on November 25th 2015, 80 FR 73734. 

Comments were solicited and continue 

to be invited on: (a) Whether the 

collection of information is necessary 

for the proper performance of the 

functions of the Bureau, including 

whether the information will have 

practical utility; (b) The accuracy of the 

Bureau’s estimate of the burden of the 

collection of information, including the 

validity of the methods and the 

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. 

Comments submitted in response to this 

notice will be summarized and/or 

included in the request for OMB 

approval. All comments will become a 

matter of public record. 

Dated: February 10, 2016. 

Darrin A. King, 

Paperwork Reduction Act Officer, Bureau of 

Consumer Financial Protection. 

[FR Doc. 2016–03246 Filed 2–16–16; 8:45 am] 

BILLING CODE 4810–AM–P 

CORPORATION FOR NATIONAL AND 

COMMUNITY SERVICE 

Computer Matching and Privacy 

Protection Act of 1988; Report of 

Matching Program: Corporation for 

National and Community Service and 

the Social Security Administration 

AGENCY: Corporation for National and 

Community Service. 

ACTION: Notice of computer matching 

program between the Corporation for 

National and Community Service and 

the Social Security Administration. 

SUMMARY: In accordance with the 

Privacy Act of 1974 (5 U.S.C. 552a), as 

amended by the Computer Matching 

and Privacy Protection Act of 1988 (Pub. 

L. 100–503), OMB Final Guidance 

Interpreting the Provisions of the 

Computer Matching and Privacy 

Protection Act of 1988 (54 FR 25818, 

June 19, 1989), and OMB Circular No. 

A–130, ‘‘Management of Federal 

Information Resources,’’ the Corporation 

for National and Community Service 

(‘‘CNCS’’) is issuing a public notice of 

the computer matching program with 

the Social Security Administration 

(‘‘SSA’’). 

DATES: CNCS will file a report of the 

subject computer matching agreement 

with the Office of Management and 

Budget and Congress. The matching 

program will begin April 1, 2016 or 40 

days after the date of CNCS’s 

submissions to OMB and Congress, 

whichever is later. The matching 

program will continue for 18 months 

after the effective date and may be 

extended for an additional 12 months 

thereafter, if the conditions specified in 

5 U.S.C. 552a(o)(2)(D) have been met. 

ADDRESSES: You may submit comments 

identified by the title of the information 

collection activity, by any of the 

following methods. 

(1) By mail sent to: Corporation for 

National and Community Service, 

Attention Zachary Jackson, Project 

Manager, Suite 300, 250 E. Street SW., 

Washington, DC, 20525. 

(2) By fax to: (202) 606–3467. 

(3) By email to: zjackson@cns.gov. 

Individuals who use a 

telecommunications device for the deaf 

(TTY–TDD) may call (202) 606–3472 

between 8:30 a.m. and 5:00 p.m. Eastern 

Time, Monday through Friday. 

FOR FURTHER INFORMATION CONTACT: 

Zachary Jackson, Project Manager, (202) 

606–6948, or by email at zjackson@

cns.gov. 

SUPPLEMENTARY INFORMATION: 

A. General 

The Privacy Act of 1974 (5 U.S.C. 

552a), as amended by the Computer 

Matching and Privacy Protection Act of 

1988 (Pub. L. 100–503), regulates the 

use of computer matching agreements 

by Federal agencies when records in a 

system of records are matched with 

other Federal, state, or local government 

records. Among other things, it requires 

Federal agencies involved in computer 

matching agreements to publish a notice 

in the Federal Register regarding the 

establishment of the matching program. 

B. Participating Agencies 

Participants in this computer 

matching program are the Social 

Security Administration (source agency) 

and the Corporation for National and 

Community Service (recipient agency). 

C. Purpose of the Match 

The computer match between CNCS 

and SSA will enable CNCS to verify the 

social security numbers of individuals 

applying to serve in approved national 

service positions and those designated 

to receive national service education 

awards under the National and 

Community Service Act of 1990 (NCSA) 


asabaliauskas on DSK5VPTVN1PROD with NOTICES