Federal Register / Vol. 79, No. 227 / Tuesday, November 25, 2014 / Proposed Rules 70135 

1 64 FR 59888 (1999). 

2 16 CFR part 312. 

3 78 FR 3972 (2013). 

4 16 CFR 312.12(a); 78 FR at 3991–3992, 4013. 

5 16 CFR 312.12. 

regarding ownership of the voting 

securities of the same covered 

institution. 

(c) Exceptions. Compliance with 

paragraph (a) of this section is not 

required if: 

(1) The person or group of persons 

referred to in paragraph (a) has 

disclosed the amount borrowed and the 

security interest therein to the 

appropriate FDIC office in connection 

with a notice filed under the CBCA, an 

application filed under either 12 U.S.C. 

1841, et seq. or 12 U.S.C. 1467a, or any 

other application filed to the FDIC as a 

substitute for a notice under § 303.82 of 

this subpart, including an application 

filed under section 18(c) of the FDI Act 

(Bank Merger Act, 12 U.S.C. 1828(c)) or 

section 5 of the Federal Deposit 

Insurance Act (12 U.S.C. 1815); or 

(2) The transaction involves a person 

or group of persons that has been the 

owner or owners of record of the stock 

for a period of one year or more; or, if 

the transaction involves stock issued by 

a newly chartered bank, before the bank 

is opened for business. 

(d) Report requirements for purposes 

of paragraph (a) of this section. 

(1) The consolidated report must 

indicate the number and percentage of 

voting securities securing each 

applicable extension of credit, the 

identity of the borrower, the number of 

voting securities held as principal by 

the foreign bank and any affiliate 

thereof, and any additional information 

that the FDIC may require in connection 

with a particular report. 

(2) A foreign bank, or any affiliate of 

a foreign bank, shall file the 

consolidated report in writing within 30 

days of the date on which the foreign 

bank or affiliate first believes that the 

security for any outstanding credit 

consists of 25 percent or more of any 

class of voting securities of a covered 

institution. 

(e) If the foreign bank, or any affiliate 

thereof, is not supervised by the FDIC, 

it shall file a copy of the report filed 

under paragraph (a) of this section with 

its appropriate Federal banking agency. 

(f) Reporting requirement. After the 

consummation of a change in control, a 

covered institution must notify the FDIC 

in writing of any changes or 

replacements of its chief executive 

officer or of any director occurring 

during the 12-month period beginning 

on the date of consummation. This 

notice must be filed within 10 days of 

such change or replacement and must 

include a statement of the past and 

current business and professional 

affiliations of the new chief executive 

officers or directors. 

§§ 303.89–303.99 [Reserved] 

* * * * * 

PART 391—FORMER OFFICE OF 

THRIFT SUPERVISION REGULATIONS 

■ 4. The authority for part 391 is revised 

to read as follows: 

Authority: 12 U.S.C. 1819 (Tenth).; Subpart 

A also issued under 12 U.S.C. 1462a; 1463; 

1464; 1828; 1831p–1; 1881–1884; 15 U.S.C. 

1681w; 15 U.S.C. 6801; 6805.; Subpart B also 

issued under 12 U.S.C. 1462a; 1463; 1464; 

1828; 1831p–1; 1881–1884; 15 U.S.C. 1681w; 

15 U.S.C. 6801; 6805.; Subpart C also issued 

under 12 U.S.C. 1462a; 1463; 1464; 1828; 

1831p–1; and 1881–1884; 15 U.S.C. 1681m; 

1681w.; Subpart D also issued under 12 

U.S.C. 1462; 1462a; 1463; 1464; 42 U.S.C. 

4012a; 4104a; 4104b; 4106; 4128. 

Subpart E—[Removed and Reserved] 

■ 5. Remove and reserve part 391 

subpart E consisting of §§ 391.40 

through 391.48. 

By order of the Board of Directors. 

Dated at Washington, DC, this 18th day of 

November, 2014. 

Federal Deposit Insurance Corporation. 

Robert E. Feldman, 

Executive Secretary. 

[FR Doc. 2014–27609 Filed 11–24–14; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL TRADE COMMISSION 

16 CFR Part 312 

RIN 3084–AB20 

Children’s Online Privacy Protection 

Rule: AgeCheq Application for 

Parental Consent Method 

AGENCY: Federal Trade Commission 

(FTC or Commission). 

ACTION: Request for public comment. 

SUMMARY: The Federal Trade 

Commission publishes this request for 

public comment concerning a proposed 

parental consent method submitted by 

AgeCheq Inc. (‘‘AgeCheq’’) under the 

Voluntary Commission Approval 

Processes provision of the Children’s 

Online Privacy Protection Rule. This is 

the second proposed new method 

submitted by AgeCheq. 

DATES: Written comments must be 

received on or before December 29, 

2014. 

ADDRESSES: Interested parties may file a 

comment online or on paper, by 

following the instructions in the 

Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Write ‘‘AgeCheq Application for 

Parental Consent Method, Project No. P– 

155400’’ on your comment, and file 

your comment online at https://

ftcpublic.commentworks.com/FTC/

coppaagecheqapp2/ by following the 

instructions on the web-based form. If 

you prefer to file your comment on 

paper, write ‘‘AgeCheq Application for 

Parental Consent Method, Project No. P– 

155400 on your comment and on the 

envelope and mail your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

600 Pennsylvania Avenue NW., Suite 

CC–5610 (Annex K), Washington, DC 

20580, or deliver your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

Constitution Center, 400 7th Street SW., 

5th Floor, Suite 5610 (Annex K), 

Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: 

Miry Kim, Attorney, (202) 326–3622, 

Kandi Parsons, Attorney, (202) 326– 

2369, or Peder Magee, Attorney, (202) 

326–3538, Division of Privacy and 

Identity Protection, Federal Trade 

Commission, Washington, DC 20580. 

SUPPLEMENTARY INFORMATION: 

Section A. Background 

On October 20, 1999, the Commission 

issued its final Rule 1 pursuant to the 

Children’s Online Privacy Protection 

Act, 15 U.S.C. 6501 et seq., which 

became effective on April 21, 2000.2 On 

December 19, 2012, the Commission 

amended the Rule, and these 

amendments became effective on July 1, 

2013.3 The Rule requires certain Web 

site operators to post privacy policies 

and provide notice, and to obtain 

verifiable parental consent, prior to 

collecting, using, or disclosing personal 

information from children under the age 

of 13. The Rule enumerates methods for 

obtaining verifiable parental consent, 

while also allowing an interested party 

to file a written request for Commission 

approval of parental consent methods 

not currently enumerated.4 To be 

considered, the party must submit a 

detailed description of the proposed 

parental consent method, together with 

an analysis of how the method meets 

the requirements for parental consent 

described in 16 CFR 312.5(b)(1). When 

a party requests approval of a proposed 

new method, the Rule states that the 

Commission ‘‘will publish in the 

Federal Register a document seeking 

public comment on the request.’’ 5

Seeking public comment on a proposed 

new method does not indicate that the 


wreier-aviles on DSK4TPTVN1PROD with PROPOSALS
70136 Federal Register / Vol. 79, No. 227 / Tuesday, November 25, 2014 / Proposed Rules 

5 In particular, the written request for confidential 

treatment that accompanies the comment must 

include the factual and legal basis for the request, 

and must identify the specific portions of the 

comment to be withheld from the public record. See 

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

Commission has taken a position, 

positive or negative, on the merits of the 

application. 

Pursuant to § 312.12(a) of the Rule, 

AgeCheq has submitted a proposed 

parental consent method to the 

Commission for approval. The full text 

of its application is available on the 

Commission’s Web site at www.ftc.gov. 

(To be clear, this is the second such 

application submitted by AgeCheq. The 

first is available at http://www.ftc.gov/

news-events/press-releases/2014/08/ftcseeks-public-comment-agecheq-incproposal-parental. The comment period 

on the first application has now closed.) 

Section B. Questions on the Parental 

Consent Method 

The Commission is seeking comment 

on the proposed parental consent 

method, and is particularly interested in 

receiving comment on the questions that 

follow. These questions are designed to 

assist the Commission’s consideration of 

the petition and should not be 

construed as a limitation on the issues 

on which public comment may be 

submitted. Responses to these questions 

should cite the number of the question 

being answered. For all comments 

submitted, please provide any relevant 

data, statistics, or any other evidence, 

upon which those comments are based. 

1. Does the proposed method, both 

with respect to the process for obtaining 

consent for an initial operator and any 

subsequent operators, constitute a new 

methodology or is it already covered by 

existing methods enumerated in 

§ 312.5(b)(1) of the Rule? 

2. If this is a new method, provide 

comments on whether the proposed 

parental consent method, both with 

respect to an initial operator and any 

subsequent operators, meets the 

requirements for parental consent laid 

out in 16 CFR 312.5(b)(1). Specifically, 

the Commission is looking for 

comments on whether the proposed 

parental consent method is reasonably 

calculated, in light of available 

technology, to ensure that the person 

providing consent is the child’s parent. 

3. Does this proposed method pose a 

risk to consumers’ personal 

information? If so, is that risk 

outweighed by the benefit to consumers 

and businesses of using this method? 

Section C. Invitation To Comment 

You can file a comment online or on 

paper. For the Commission to consider 

your comment, we must receive it on or 

before December 29, 2014. Write 

‘‘AgeCheq Application for Parental 

Consent Method, Project No. P–155400’’ 

on your comment and file your 

comment. Your comment—including 

your name and your state—will be 

placed on the public record of this 

proceeding, including, to the extent 

practicable, on the Commission Web 

site, at http://www.ftc.gov/os/

publiccomments.shtm. As a matter of 

discretion, the Commission tries to 

remove individuals’ home contact 

information from comments before 

placing them on the Commission Web 

site. 

Because your comment will be made 

public, you are solely responsible for 

making sure that your comment doesn’t 

include any sensitive personal 

information, such as 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. 

You are also solely responsible for 

making sure that your comment does 

not include any sensitive health 

information, including medical records 

or other individually identifiable health 

information. In addition, do not include 

any ‘‘[t]rade secret or any commercial or 

financial information which is . . . 

privileged or confidential,’’ as provided 

in Section 6(f) of the FTC Act, 15 U.S.C. 

46(f), and FTC Rule 4.10(a)(2), 16 CFR 

4.10(a)(2). In particular, do not include 

competitively sensitive information 

such as costs, sales statistics, 

inventories, formulas, patterns, devices, 

manufacturing processes, or customer 

names. 

If you want the Commission to give 

your comment confidential treatment, 

you must file it in paper form, with a 

request for confidential treatment, and 

follow the procedure explained in FTC 

Rule 4.9(c), 16 CFR 4.9(c).5 Your 

comment will be kept confidential only 

if the FTC General Counsel, in his or her 

sole discretion, grants your request in 

accordance with the law and the public 

interest. 

Postal mail addressed to the 

Commission is subject to delay due to 

heightened security screening. As a 

result, we encourage you to submit your 

comments online. To make sure that the 

Commission considers your online 

comment, you must file it at https://

ftcpublic.commentworks.com/FTC/

coppaagecheqapp2/, by following the 

instructions on the web-based form. If 

this Notice appears at http://

www.regulations.gov/#!home, you also 

may file a comment through that Web 

site. 

If you file your comment on paper, 

write ‘‘AgeCheq Application for 

Parental Consent Method, Project No. P– 

155400’’ on your comment and on the 

envelope, and mail it to the following 

address: Federal Trade Commission, 

Office of the Secretary, 600 

Pennsylvania Avenue NW., Suite CC– 

5610 (Annex K), Washington, DC 20580, 

or deliver your comment to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

Constitution Center, 400 7th Street SW., 

5th Floor, Suite 5610 (Annex K), 

Washington, DC 20024. If possible, 

submit your paper comment to the 

Commission by courier or overnight 

service. 

Visit the Commission Web site at 

http://www.ftc.gov to read this Notice 

and the news release describing 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 on or 

before December 29, 2014. You can find 

more information, including routine 

uses permitted by the Privacy Act, in 

the Commission’s privacy policy, at 

http://www.ftc.gov/ftc/privacy.htm. 

By direction of the Commission. 

Donald S. Clark, 

Secretary. 

[FR Doc. 2014–27803 Filed 11–24–14; 8:45 am] 

BILLING CODE 6750–01–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

32 CFR Part 232 

[DOD–2013–OS–0133] 

RIN 0790–AJ10 

Limitations on Terms of Consumer 

Credit Extended to Service Members 

and Dependents 

AGENCY: Under Secretary of Defense for 

Personnel and Readiness, Department of 

Defense. 

ACTION: Proposed rule; extension of 

comment period. 

SUMMARY: The Department of Defense 

has proposed an amendment to its 

regulation that implements the Military 

Lending Act. The proposed amendment 

was published on September 29, 2014, 

with comments due on November 28, 

2014. This document extends the date 

for the receipt of comments until 

December 26, 2014. 


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