Document Headings

                    Document headings vary by document type but may contain                    the following:                  
                -                       the agency or agencies that issued and signed a document                    
                -                       the number of the CFR title and the number of each part                      the document amends, proposes to amend, or is directly                      related to                    
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###### Department of the Treasury

###### Office of the Comptroller of the Currency

# AGENCY:

Office of the Comptroller of the Currency (OCC), Treasury.

# 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 comment on the renewal of an information collection, as required by the Paperwork Reduction Act of 1995. 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 Office of Management and Budget (OMB) control number. The OCC is soliciting comment concerning an information collection titled, “Record and Disclosure Requirements—FRB Regulations B, E, M, Z, CC, and DD.” The OCC also gives notice that is has sent the collection to OMB for review.

# DATES:

Comments must be submitted on or before November 24, 2010.

# ADDRESSES:

                        Communications Division, Office of the Comptroller of the Currency, Mailstop 2-3, Attention: 1557-0176, 250 E Street, SW., Washington, DC 20219. In addition, comments may be sent by fax to (202) 874-5274, or by electronic mail to                         *regs.comments@occ.treas.gov.*                         You may personally inspect and photocopy comments at the OCC, 250 E Street, SW., Washington, DC 20219. For security reasons, the OCC requires that visitors make an appointment to inspect comments. You may do so by calling (202) 874-4700. Upon arrival, visitors will be required to present valid government-issued photo identification and to submit to security screening in order to inspect and photocopy comments.                    

Additionally, please send a copy of your comments to OCC Desk Officer, 1557-0176, by mail to U.S. Office of Management and Budget, 725 17th Street, NW., #10235, Washington, DC 20503, or by fax to (202) 395-6974.

# FOR FURTHER INFORMATION CONTACT:

You may request additional information or a copy of the collection and supporting documentation submitted to OMB by contacting: Mary H. Gottlieb, (202) 874-5090, Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency, 250 E Street, SW., Washington, DC 20219.

# SUPPLEMENTARY INFORMATION:

*Title:*                     Record and Disclosure Requirements—FRB Regulations B, E, M, Z, CC, and DD.                

*OMB Control No.:*                     1557-0176.                

*Type of Review:*                     Regular review.                

*Description:*                     This information collection covers the Board of Governors of the Federal Reserve System's (FRB) Regulations B, C, E, M, Z, CC, and DD. The FRB Regulations include the following provisions:                

## Reg B—12 CFR Part 202—Equal Credit Opportunity

This regulation prohibits lenders from discriminating against credit applicants, establishes guidelines for gathering and evaluating information about personal characteristics in applications for certain dwelling-related loans, requires lenders to provide applicants with copies of appraisal reports in connection with credit transactions, and requires written notification of action taken on a credit application.

## Reg C—12 CFR Part 203—Home Mortgage Disclosure

This regulation requires certain mortgage lenders to report certain home loan application information and to disclose certain data regarding their home mortgage lending.

## Reg E—12 CFR Part 205—Electronic Fund Transfers

This regulation establishes the rights, liabilities, and responsibilities of parties in electronic fund transfers and offers protections to consumers when they use such systems.

## Reg M—12 CFR Part 213—Consumer Leasing

This regulation implements the consumer leasing provisions of the Truth in Lending Act by requiring meaningful disclosure of leasing terms.

## Reg Z—12 CFR Part 226—Truth in Lending

                    This regulation prescribes uniform methods for computing the cost of                           ( print page 65556)                        credit, disclosing credit terms and costs, and resolving errors on certain types of credit accounts.                

## Reg CC—12 CFR Part 229—Availability of Funds and Collection of Checks

This regulation establishes timeframes to govern the availability of funds deposited in checking accounts, rules to govern the collection and return of checks, and general provisions to govern the use of substitute checks.

## Reg DD—12 CFR Part 230—Truth in Savings

This regulation requires depository institutions to provide disclosures sufficient to enable consumers to make informed comparisons about accounts at depository institutions.

*Affected Public:*                     Businesses or other for-profit.                

*Burden Estimates:*

*Estimated Number of Respondents:*                     1,650.                

*Estimated Number of Responses:*                     1,650.                

*Estimated Annual Burden:*                     3,899,275 hours.                

*Frequency of Response:*                     On occasion.                

*Comments:*                     A 60-Day                     **Federal Register**                     notice was published on July 22, 2010 (75 FR 42825. 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 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.

Dated: October 18, 2010.

Michele Meyer, 

Assistant Director, Legislative and Regulatory Activities Division, Office of the Comptroller of the Currency.

[FR Doc. 2010-26800 Filed 10-22-10; 8:45 am]

BILLING CODE 4810-33-P