Federal Register / Vol. 75, No. 184 / Thursday, September 23, 2010 / Notices 57953 

1The comment must be accompanied by an 

explicit request for confidential treatment, 

including the factual and legal basis for the request, 

and must identify the specific portions of the 

comment to be withheld from the public record. 

The request will be granted or denied by the 

Continued 

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 October 18, 

2010. 

A. Federal Reserve Bank of Dallas (E. 

Ann Worthy, Vice President) 2200 

North Pearl Street, Dallas, Texas 75201– 

2272: 

1. Henderson Texas Bancshares, Inc., 

Henderson, Texas; to acquire 85 percent 

of the voting shares of Prosper 

Bancshares, Inc., and thereby indirectly 

acquire voting shares of Prosper Bank, 

both of Prosper, Texas. 

Board of Governors of the Federal Reserve 

System, September 20, 2010. 

Robert deV. Frierson, 

Deputy Secretary of the Board. 

[FR Doc. 2010–23816 Filed 9–22–10; 8:45 am] 

BILLING CODE 6210–01–S 

FEDERAL RESERVE SYSTEM 

Sunshine Act Meeting 

AGENCY HOLDING THE MEETING: Board of 

Governors of the Federal Reserve 

System. 

TIME AND DATE: 3:00 p.m., Tuesday, 

September 21, 2010. 

The business of the Board requires 

that this meeting be held with less than 

one week’s advance notice to the public, 

and no earlier announcement of the 

meeting was practicable. 

PLACE: Marriner S. Eccles Federal 

Reserve Board Building, 20th and C 

Streets, N.W., Washington, D.C. 20551. 

STATUS: Closed. 

MATTERS TO BE CONSIDERED: 

1. Implications of Dodd–Frank Reform 

Act for System Organization and 

Staffing. 

FOR FURTHER INFORMATION CONTACT: 

Michelle Smith, Director, or Dave 

Skidmore, Assistant to the Board, Office 

of Board Members at 202–452–2955. 

SUPPLEMENTARY INFORMATION: You may 

call 202–452–3206 beginning at 

approximately 5 p.m. two business days 

before the meeting for a recorded 

announcement of bank and bank 

holding company applications 

scheduled for the meeting; or you may 

contact the Board’s Web site at http:// 

www.federalreserve.gov for an electronic 

announcement that not only lists 

applications, but also indicates 

procedural and other information about 

the meeting. 

Board of Governors of the Federal Reserve 

System, September 21, 2010. 

Robert deV. Frierson, 

Deputy Secretary of the Board. 

[FR Doc. 2010–23917 Filed 9–21–10; 11:15 am] 

BILLING CODE 6210–01–S 

FEDERAL TRADE COMMISSION 

Agency Information Collection 

Activities;Submission for OMB 

Review; Comment Request 

AGENCY: Federal Trade Commission 

(‘‘FTC’’ or ‘‘Commission’’). 

ACTION: Notice. 

SUMMARY: The information collection 

requirements described below will be 

submitted to the Office of Management 

and Budget (‘‘OMB’’) for review, as 

required by the Paperwork Reduction 

Act (‘‘PRA’’). The FTC seeks public 

comments on its proposal to extend 

through December 31, 2013 the current 

OMB clearance for information 

collection requirements contained in its 

Prescreen Opt-Out Disclosure Rule. That 

clearance expires on December 31, 2010. 

DATES: Comments must be filed by 

October 25, 2010. 

ADDRESSES: Interested parties are 

invited to submit written comments 

electronically or in paper form by 

following the instructions in the 

Request for Comments part of the 

SUPPLEMENTARY INFORMATION section 

below. Comments in electronic form 

should be submitted by using the 

following weblink: (https:// 

public.commentworks.com/ftc/ 

prescreenoptoutPRA2) (and following 

the instructions on the web-based form). 

Comments filed in paper form should be 

mailed or delivered to the following 

address: Federal Trade Commission, 

Office of the Secretary, Room H-135 

(Annex J), 600 Pennsylvania Avenue, 

N.W., Washington, DC 20580, in the 

manner detailed in the SUPPLEMENTARY

INFORMATION section below. 

FOR FURTHER INFORMATION CONTACT: 

Requests for additional information 

should be addressed to Katherine 

Armstrong, Attorney, Division of 

Privacy and Identity Protction, Bureau 

of Consumer Protection, Federal Trade 

Commission, 600 Pennsylvania Avenue, 

N.W., Washington, DC 20580, (202) 326- 

3250. 

SUPPLEMENTARY INFORMATION: 

Request for Comments 

On June 29, 2010, the FTC sought 

comment on the information collection 

requirements associated with the 

Prescreen Opt-Out Disclosure Rule, 16 

CFR Part 642 (Control Number: 3084- 

0132). 75 FR 37436. No comments were 

received. Pursuant to the OMB 

regulations, 5 CFR Part 1320, that 

implement the PRA, 44 U.S.C. 3501- 

3521, the FTC is providing this second 

opportunity for public comment while 

seeking OMB approval to extend the 

existing paperwork clearance for the 

Rule. All comments should be filed as 

prescribed herein, and must be received 

on or before October 25, 2010. 

All comments should additionally be 

sent to OMB. Comments may be 

submitted by U.S. Postal Mail to: Office 

of Information and Regulatory Affairs, 

Office of Management and Budget, 

Attention: Desk Officer for Federal 

Trade Commission, New Executive 

Office Building, Docket Library, Room 

10102, 725 17th Street, N.W., 

Washington, D.C. 20503. Comments, 

however, should be submitted via 

facsimile to (202) 395-5167 because U.S. 

Postal Mail is subject to lengthy delays 

due to heightened security precautions. 

Comments should refer to ‘‘Prescreen 

Opt-Out Disclosure Rule: FTC File No. 

P075417’’ to facilitate the organization of 

comments. Please note that your 

comment – including your name and 

your state – will be placed on the public 

record of this proceeding, including on 

the publicly accessible FTC website, at 

(http://www.ftc.gov/os/ 

publiccomments.shtm). 

Because comments will be made 

public, they should not include any 

sensitive personal information, such as 

any individual’s Social Security 

Number; date of birth; driver’s license 

number or other state identification 

number, or foreign country equivalent; 

passport number; financial account 

number; or credit or debit card number. 

Comments also should not include any 

sensitive health information, such as 

medical records or other individually 

identifiable health information. In 

addition, comments should not include 

‘‘[t]rade secret or any commercial or 

financial information which is obtained 

from any person and which is privileged 

or confidential’’ as provided in Section 

6(f) of the Federal Trade Commission 

Act (‘‘FTC Act’’), 15 U.S.C. 46(f), and 

FTC Rule 4.10(a)(2), 16 CFR 4.10(a)(2). 

Comments containing matter for which 

confidential treatment is requested must 

be filed in paper form, must be clearly 

labeled ‘‘Confidential,’’ and must 

comply with FTC Rule 4.9(c).1


srobinson on DSKHWCL6B1PROD with NOTICES
57954 Federal Register / Vol. 75, No. 184 / Thursday, September 23, 2010 / Notices 

Commission’s General Counsel, consistent with 

applicable law and the public interest. See FTC 

Rule 4.9(c), 16 CFR 4.9(c). 

2 72 FR 60672 (Oct. 25, 2007); 72 FR 42092 (Aug. 

1, 2007). No comments were received in response 

to those notices. 

Because paper mail addressed to the 

FTC is subject to delay due to 

heightened security screening, please 

consider submitting your comments in 

electronic form. Comments filed in 

electronic form should be submitted 

using the following weblink (https:// 

public.commentworks.com/ftc/ 

prescreenoptoutPRA2) (and following 

the instructions on the web-based form). 

To ensure that the Commission 

considers an electronic comment, you 

must file it on the web-based form at the 

weblink (https:// 

public.commentworks.com/ftc/ 

prescreenoptoutPRA2). 

If this Notice appears at 

(www.regulations.gov/search/index.jsp), 

you may also file an electronic comment 

through that website. The Commission 

will consider all comments that 

regulations.gov forwards to it. 

The FTC Act and other laws that the 

Commission administers permit the 

collection of public comments to 

consider and use in this proceeding as 

appropriate. The Commission will 

consider all timely and responsive 

public comments that it receives, 

whether filed in paper or electronic 

form. Comments received will be 

available to the public on the FTC 

website, to the extent practicable, at 

(http://www.ftc.gov/os/ 

publiccomments.shtm). As a matter of 

discretion, the FTC makes every effort to 

remove home contact information for 

individuals from the public comments it 

receives before placing those comments 

on the FTC website. More information, 

including routine uses permitted by the 

Privacy Act, may be found in the FTC’s 

privacy policy, at (http://www.ftc.gov/ 

ftc/privacy.shtm). 

Background 

Section 615(d) of the Fair Credit 

Reporting Act (‘‘FCRA’’), 15 U.S.C. 

1681m(d)(1), requires that any person 

who uses a consumer report in order to 

make an unsolicited firm offer of credit 

or insurance to the consumer, shall 

provide with each written solicitation a 

clear and conspicuous statement that: 

(A) information contained in the 

consumer’s consumer report was used 

in connection with the transaction; 

(B) the consumer received the offer of 

credit or insurance because the 

consumer satisfied the criteria for 

credit worthiness or insurability 

under which the consumer was 

selected for the offer; (C) if applicable, 

the credit or insurance may not be 

extended if, after the consumer 

responds to the offer, the consumer 

does not meet the criteria used to 

select the consumer for the offer or 

any applicable criteria bearing on 

credit worthiness or insurability or 

does not furnish any required 

collateral; (D) the consumer has a 

right to prohibit information 

contained in the consumer’s file with 

any consumer reporting agency from 

being used in connection with any 

credit or insurance transaction that is 

not initiated by the consumer; and (E) 

the consumer may exercise the right 

referred to in subparagraph (D) by 

notifying a notification system 

established under section 604(e) [of 

the FCRA]. 

Section 615(d)(1) of the FCRA [15 U.S.C. 

1681m(d)(1)]. 

The Fair and Accurate Credit 

Transactions Act of 2003, Pub. L. 108- 

159, 117 Stat. 1952 (‘‘FACT Act’’) was 

signed into law on December 4, 2003. 

Section 213(a) of the FACT Act 

amended FCRA Section 615(d) to 

require that the statement mandated by 

Section 615(d) ‘‘be presented in such 

format and in such type size and 

manner as to be simple and easy to 

understand, as established by the 

Commission, by rule, in consultation 

with the Federal banking agencies and 

the National Credit Union 

Administration.’’ The Commission 

published the Final Rule in the Federal 

Register on January 31, 2005 and the 

Rule became effective August 1, 2005. 

The Rule adopted a ‘‘layered’’ notice 

approach that requires a short, simple, 

and easy-to-understand statement of 

consumers’ opt-out rights on the first 

page of the prescreened solicitation, 

along with a longer statement 

containing additional details elsewhere 

in the solicitation. Specifically, the Rule 

required that a short notice be placed on 

the front side of the first page of the 

principal promotional document in the 

solicitation, or, if provided 

electronically, on the same page and in 

close proximity to the principal 

marketing message. The Rule specifies 

that the type size be larger than the type 

size of the principal text on the same 

page, but in no event smaller than 12- 

point type, or if provided by electronic 

means, then reasonable steps shall be 

taken to ensure that the type size is 

larger than the type size of the principal 

text on the same page. The Rule further 

provides that the long notice, that 

appears elsewhere in the solicitation, be 

in a type size that is no smaller than the 

type size of the principal text on the 

same page, but in no event smaller than 

8-point type. The long notice shall begin 

with a heading in capital letters and 

underlined, and identifying the long 

notice as the ‘‘PRESCREEN & OPT-OUT 

NOTICE’’ in a type style that is distinct 

from the principal type style used on 

the same page and be set apart from 

other text on the page. The Rule also 

includes model notices in English and 

Spanish. 

Burden statement 

Estimated total annual hours burden: 

1,000 to 1,500 hours 

As in the 2007 PRA burden analysis 

when the Commission last sought 

renewed clearance,2 FTC staff estimates 

that between 500 and 750 entities make 

prescreened solicitations and will each 

spend approximately 2 hours to monitor 

compliance with the Rule. Accordingly, 

cumulative total annual burden is 

between 1,000 to 1,500 hours. 

Additionally, FTC staff assumes that inhouse legal counsel will handle most of 

the compliance review, and at an 

estimated average hourly wage of $250/ 

hour. Accordingly, cumulative labor 

cost for all affected entities would be 

between $250,000 and $375,000. Capital 

and other non-labor costs should be 

minimal, at most, since the Rule has 

been in effect several years, with 

covered entities now equipped to 

provide the required notice. 

Christian S. White 

Acting General Counsel. 

[FR Doc. 2010–23761 Filed 9–22–10; 8:45 am] 

BILLING CODE 6750–01–S 

DEPARTMENT OF HEALTH AND 

HUMAN SERVICES 

[Document Identifier: OS–0990–0275; 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 


srobinson on DSKHWCL6B1PROD with NOTICES