Federal Register / Vol. 73, No. 164 / Friday, August 22, 2008 / Notices 49673 

polling to determine whether there are 

more neutral and reliable ways to elicit 

the information sought. The commenter 

further suggested that the FDIC 

eliminate failure to provide check 

cashing services as a possible answer to 

questions probing the reasons a 

respondent does not have or has closed 

an account. 

The commenter also suggested that 

the FDIC expand the survey, to elicit 

more detailed information in a number 

of areas, including the attitudes of the 

unbanked toward financial education 

opportunities; the reasons some 

consumers prefer to operate on a cash 

basis; what consumers like and dislike 

about payroll cards and other pre-paid 

products and the extent to which users 

of such products tend to be interested in 

opening checking or savings accounts; 

and the extent to which price and other 

factors affect the choices made by 

unbanked consumers when shopping 

for financial products and services. 

Finally, the commenter noted that the 

survey does not include questions of a 

demographic nature such as the 

respondent’s age, education, income, 

line of work, ethnicity, or how long he 

or she has resided in the country. The 

commenter, therefore, requested that the 

FDIC incorporate demographic 

questions into the survey or clarify that 

such questions will be included as part 

of the regularly scheduled questions 

asked by census takers. 

In its development of the survey 

questions for the National Survey of 

Unbanked and Underbanked 

Households, the FDIC attempted to 

balance its statutory mandate to identify 

the factors that appear to prevent 

unbanked individuals from establishing 

accounts with insured depository 

institutions and the demographic 

characteristics of the unbanked 

population against the need to minimize 

burden on respondents. To achieve this 

balance and to ensure that the questions 

were structured in a way to minimize 

bias, the FDIC consulted with a 

nationally recognized polling firm with 

expert credentials in qualitative and 

quantitative research and analysis. The 

FDIC also worked closely with a 

cognitive testing expert on the faculty of 

the University of Connecticut and with 

staff of the Census Bureau’s 

Demographic Surveys Division and the 

Labor Department’s Bureau of Labor 

Statistics. After two rounds of cognitive 

testing with corresponding adjustments 

to survey questions, the FDIC is 

confident that the survey questions are 

structured in a way that minimizes 

possible skewing of survey results. 

With respect to suggested deletion of 

failure to provide check cashing services 

as a potential response to questions 

seeking information on the reasons for 

not having or closing an account, the 

FDIC is aware that such services are 

usually extended to bank customers. 

However, provision of such services to 

account holders is not always the case 

and, in many instances, may be 

restricted by several factors such as 

account standing and the institution on 

which the check is drawn. Therefore, 

the FDIC believes that failure to provide 

check cashing services is a valid 

response option for questions seeking to 

determine the reasons for not having or 

closing an account. 

Regarding the suggestion that the 

FDIC expand the survey to elicit more 

detailed information in a variety of 

areas, the FDIC agrees that the utility of 

the survey would be enhanced by the 

addition of questions that would 

provide more depth on factors 

underlying consumer choices and 

preferences with respect to financial 

products and services. However, the 

FDIC is constrained by Census Bureau 

limits on the length of the survey. 

Perhaps these issues can be explored in 

future survey efforts. 

On the demographic issues raised by 

the commenter, the FDIC has clarified 

that demographic information about 

respondents is collected by the Current 

Population Survey, eliminating the need 

for such questions to be included in the 

supplemental survey. 

Request for Comment 

Comments are invited on: (a) Whether 

these collections of information are 

necessary for the proper performance of 

the FDIC’s functions, including whether 

the information has practical utility; (b) 

the accuracy of the estimate of the 

burden of the information collections, 

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 information collections 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. 

Dated at Washington, DC, this 19th day of 

August, 2008. 

Federal Deposit Insurance Corporation. 

Robert E. Feldman, 

Executive Secretary. 

[FR Doc. E8–19478 Filed 8–21–08; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL RESERVE SYSTEM 

Proposed Agency Information 

Collection Activities; Comment 

Request 

Correction 

In notice document E8–17716 

beginning on page 45222 in the issue of 

Monday, August 4, 2008, make the 

following correction: 

On page 45223, in the first column, 

under DATES:, in the second line, 

‘‘September 30, 2008’’ should read 

‘‘October 3, 2008’’. 

[FR Doc. Z8–17716 Filed 8–21–08; 8:45 am] 

BILLING CODE 1505–01–D 

FEDERAL RESERVE SYSTEM 

Change in Bank Control Notices; 

Acquisition of Shares of Bank or Bank 

Holding Companies 

The notificants listed below have 

applied under the Change in Bank 

Control Act (12 U.S.C. 1817(j)) and 

§ 225.41 of the Board’s Regulation Y (12 

CFR 225.41) to acquire a bank or bank 

holding company. The factors that are 

considered in acting on the notices are 

set forth in paragraph 7 of the Act (12 

U.S.C. 1817(j)(7)). 

The notices are available for 

immediate inspection at the Federal 

Reserve Bank indicated. The notices 

also will be available for inspection at 

the office of the Board of Governors. 

Interested persons may express their 

views in writing to the Reserve Bank 

indicated for that notice or to the offices 

of the Board of Governors. Comments 

must be received not later than 

September 9, 2008. 

A. Federal Reserve Bank of Kansas 

City (Todd Offenbacker, Assistant Vice 

President) 1 Memorial Drive, Kansas 

City, Missouri 64198–0001: 

1. Steven J. Buchanan, Omaha, 

Nebraska, as a member of Wilber Co. 

Voting Trust; to retain control of Wilber 

Co., both of Wilber, Nebraska, parent of 

First State Bank, Lincoln, Nebraska. 

Board of Governors of the Federal Reserve 

System, August 19, 2008. 

Robert deV. Frierson, 

Deputy Secretary of the Board. 

[FR Doc. E8–19529 Filed 8–21–08; 8:45 am] 

BILLING CODE 6210–01–S 

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, 


jlentini on PROD1PC65 with NOTICES
49674 Federal Register / Vol. 73, No. 164 / Friday, August 22, 2008 / Notices 

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 applications listed below, as well 

as other related filings required by the 

Board, are available for immediate 

inspection at the Federal Reserve Bank 

indicated. The applications also will be 

available for inspection at the offices of 

the Board of Governors. Interested 

persons may express their views in 

writing on the standards enumerated in 

the BHC Act (12 U.S.C. 1842(c)). If the 

proposal also involves the acquisition of 

a nonbanking company, the review also 

includes whether the acquisition of the 

nonbanking company complies with the 

standards in section 4 of the BHC Act 

(12 U.S.C. 1843). Unless otherwise 

noted, nonbanking activities will be 

conducted throughout the United States. 

Additional information on all bank 

holding companies may be obtained 

from the National Information Center 

website at www.ffiec.gov/nic/. 

Unless otherwise noted, comments 

regarding each of these applications 

must be received at the Reserve Bank 

indicated or the offices of the Board of 

Governors not later than September 18, 

2008. 

A. Federal Reserve Bank of 

Richmond (A. Linwood Gill, III, Vice 

President) 701 East Byrd Street, 

Richmond, Virginia 23261–4528: 

1. Bank of America Corporation, and 

NB Holdings Corporation, both of 

Charlotte, North Carolina; to acquire 

100 percent of the voting securities of 

Bank of America Illinois, National 

Association, Chicago, Illinois (in 

organization), and Bank of America 

Michigan, National Association, Troy, 

Michigan (in organization). 

B. Federal Reserve Bank of Atlanta 

(Steve Foley, Vice President) 1000 

Peachtree Street, N.E., Atlanta, Georgia 

30309: 

1. Piedmont Bancorp, Inc., Norcross, 

Georgia; to become a bank holding 

company by acquiring 100 percent of 

the outstanding shares of First Choice 

Community Bank 1874, Newnan, 

Georgia. 

Board of Governors of the Federal Reserve 

System, August 19, 2008. 

Robert deV. Frierson, 

Deputy Secretary of the Board. 

[FR Doc. E8–19528 Filed 8–21–08; 8:45 am] 

BILLING CODE 6210–01–S 

FEDERAL RESERVE SYSTEM 

Notice of Proposals to Engage in 

Permissible Nonbanking Activities or 

to Acquire Companies that are 

Engaged in Permissible Nonbanking 

Activities 

The companies listed in this notice 

have given notice under section 4 of the 

Bank Holding Company Act (12 U.S.C. 

1843) (BHC Act) and Regulation Y (12 

CFR Part 225) to engage de novo, or to 

acquire or control voting securities or 

assets of a company, including the 

companies listed below, that engages 

either directly or through a subsidiary or 

other company, in a nonbanking activity 

that is listed in § 225.28 of Regulation Y 

(12 CFR 225.28) or that the Board has 

determined by Order to be closely 

related to banking and permissible for 

bank holding companies. Unless 

otherwise noted, these activities will be 

conducted throughout the United States. 

Each notice is available for inspection 

at the Federal Reserve Bank indicated. 

The notice also will be available for 

inspection at the offices of the Board of 

Governors. Interested persons may 

express their views in writing on the 

question whether the proposal complies 

with the standards of section 4 of the 

BHC Act. Additional information on all 

bank holding companies may be 

obtained from the National Information 

Center website at www.ffiec.gov/nic/. 

Unless otherwise noted, comments 

regarding the applications must be 

received at the Reserve Bank indicated 

or the offices of the Board of Governors 

not later than September 9, 2008. 

A. Federal Reserve Bank of Atlanta 

(Steve Foley, Vice President) 1000 

Peachtree Street, N.E., Atlanta, Georgia 

30309: 

1. Banco de Sabadell, S.A., Sabadell, 

Spain, and its subsidiary, TransAtlantic 

Holding Corp., Miami, Florida; to 

engage de novo in making, acquiring, 

brokering or servicing loans or other 

extensions of credit through a newlyformed subsidiary, Interstate Property 

Holdings, LLC, Miami, Florida, 

pursuant to section 225.28(b)(1) of 

Regulation Y. 

Board of Governors of the Federal Reserve 

System, August 19, 2008. 

Robert deV. Frierson, 

Deputy Secretary of the Board. 

[FR Doc. E8–19526 Filed 8–21–08; 8:45 am] 

BILLING CODE 6210–01–S 

DEPARTMENT OF HEALTH AND 

HUMAN SERVICES 

[Document Identifier: OS–0990–New; 30- 

Day Notice] 

Agency Information Collection 

Request; 30-Day Public Comment 

Request 

AGENCY: Office of the Secretary, HHS. 

In compliance with the requirement 

of section 3506(c)(2)(A) of the 

Paperwork Reduction Act of 1995, the 

Office of the Secretary (OS), Department 

of Health and Human Services, is 

publishing the following summary of a 

proposed collection for public 

comment. Interested persons are invited 

to send comments regarding this burden 

estimate or any other aspect of this 

collection of information, including any 

of the following subjects: (1) The 

necessity and utility of the proposed 

information collection for the proper 

performance of the agency’s functions; 

(2) the accuracy of the estimated 

burden; (3) ways to enhance the quality, 

utility, and clarity of the information to 

be collected; and (4) the use of 

automated collection techniques or 

other forms of information technology to 

minimize the information collection 

burden. 

To obtain copies of the supporting 

statement and any related forms for the 

proposed paperwork collections 

referenced above, e-mail your request, 

including your address, phone number, 

OMB number, and OS document 

identifier, to 

Sherette.funncoleman@hhs.gov, or call 

the Reports Clearance Office on (202) 

690–5683. Send written comments and 

recommendations for the proposed 

information collections within 30 days 

of this notice directly to the OS OMB 

Desk Officer; faxed to OMB at 202–395–

6974.. 

Proposed Project: Trends in U.S. 

Public Awareness of Racial and Ethnic 

Health Disparities (1999–2008)—NewOffice of Minority Health (OMH). 

Abstract: The proposed survey seeks 

to collect data for one of OMH’s annual 

performance measures, approved by 

OMB in February 2007, following Office 

of Management and Budget (OMB)’s 

examination of OMH using the Program 

Assessment Rating Tool (PART). This 

measure is to ‘‘increase awareness of 


jlentini on PROD1PC65 with NOTICES