Federal Register / Vol. 79, No. 226 / Monday, November 24, 2014 / Notices 69849 

FEDERAL RESERVE SYSTEM 

Notice of Proposals To Engage in or 

To Acquire Companies 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. 

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 December 09, 2014. 

A. Federal Reserve Bank of 

Minneapolis (Jacquelyn K. Brunmeier, 

Assistant Vice President) 90 Hennepin 

Avenue, Minneapolis, Minnesota 

55480–0291: 

1. Peoples State Bancorp, Inc., 

through its subsidiary, Peoples State 

Bank of Munising, both in Munising, 

Michigan proposes to reduce its 

ownership in Lasco Development 

Corporation, Marquette, Michigan, to 

less than 100 percent. Lasco 

Development Corporation engages in the 

activity of data processing for financial 

institutions. 

Board of Governors of the Federal Reserve 

System, November 19, 2014. 

Michael J. Lewandowski, 

Associate Secretary of the Board. 

[FR Doc. 2014–27766 Filed 11–21–14; 8:45 am] 

BILLING CODE 6210–01–P 

FEDERAL TRADE COMMISSION 

Agency Information Collection 

Activities; Submission for OMB 

Review; Comment Request 

AGENCY: Federal Trade Commission 

(FTC or Commission). 

ACTION: Notice and request for comment. 

SUMMARY: In compliance with the 

Paperwork Reduction Act (PRA) of 

1995, the FTC is seeking public 

comments on its request to OMB for a 

three-year extension of the Trade 

Regulation Rule entitled Labeling and 

Advertising of Home Insulation (R-value 

Rule or Rule). That clearance expires on 

December 31, 2014. 

DATES: Comments must be received by 

December 24, 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 ‘‘R-value Rule: FTC File 

No. R811001’’ on your comment, and 

file your comment online at https://

ftcpublic.commentworks.com/ftc/

rvaluerulepra2 by following the 

instructions on the web-based form. If 

you prefer to file your comment on 

paper, mail or deliver your comment to 

the following address: Federal Trade 

Commission, Office of the Secretary, 

600 Pennsylvania Avenue NW., Suite 

CC–5610 (Annex J), 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 J), 

Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: 

Requests for copies of the collection of 

information and supporting 

documentation should be addressed to 

Hampton Newsome, Attorney, Division 

of Enforcement, Bureau of Consumer 

Protection, Federal Trade Commission, 

Mail Code CC–9528, 600 Pennsylvania 

Ave. NW., Washington, DC 20580, (202) 

326–2889. 

SUPPLEMENTARY INFORMATION: 

Title: R-value Rule, 16 CFR part 460. 

OMB Control Number: 3084–0109. 

Type of Review: Extension of a 

currently approved collection. 

Abstract: The R-value Rule establishes 

uniform standards for the substantiation 

and disclosure of accurate, material 

product information about the thermal 

performance characteristics of home 

insulation products. The R-value of an 

insulation signifies the insulation’s 

degree of resistance to the flow of heat. 

This information tells consumers how 

well a product is likely to perform as an 

insulator and allows consumers to 

determine whether the cost of the 

insulation is justified. 

On August 13, 2014, the Commission 

sought comment on the information 

collection requirements in the R-value 

Rule. 79 FR 47461. No comments were 

received. The Commission did receive 

one non-germane filing that we have 

referred to the agency’s Consumer 

Response Center for further action. As 

required by OMB regulations, 5 CFR 

part 1320, the FTC is providing this 

second opportunity for public comment. 

Estimated Annual Hours Burden: 

129,656 hours. 

Likely Respondents and Estimated 

Burden: 

Installation manufacturers, installers, 

new home builders/sellers, dealers and 

retailers. 

(a) Installation manufacturers. 

• Testing by installation 

manufacturers—15 new products/year × 

2 hours each = 30 hours; and 

• Disclosures by installation 

manufacturers—[(144 manufacturers × 

20 hours) + (6 largest manufacturers × 

80 hours each] = 3,360 hours. 

• Recordkeeping by installation 

manufacturers—150 manufacturers × 1 

hour each = 150 hours. 

(b) Installers. 

• Disclosures by retrofit installers 

(manufacturer’s insulation fact sheet)— 

2 million retrofit installations/year × 2 

minutes each = 66,667 hours. 

• Disclosures by installers 

(advertising)—1,615 installers × 1 hour 

each = 1,615 hours. 

• Recordkeeping by installers—1,615 

installers × 5 minutes each = 134 hours. 

(c) New home builders/sellers, 

dealers. 

• Disclosures by new home sellers— 

924,000 new home sales/year × 30 

seconds each = 7,700 hours. 

(d) Retailers. 

• Disclosures by retailers—[25,000 

retailers × 1 hour each (fact sheets) + 

25,000 retailers × 1 hour each 

(advertising disclosure) = 50,000 hours. 

Frequency of Response: Periodic. 

Total Annual Labor Cost: $2,571,000 

per year (solely related to labor costs 

and rounded to the nearest thousand) 

[approximately $810 for testing, based 

on 30 hours for manufacturers (30 hours 

× $27 per hour for skilled technical 

personnel); $3,976 for manufacturers’ 

and installers’ compliance with the 

Rule’s recordkeeping requirements, 

based on 284 hours (284 hours × $14 per 

hour for clerical personnel); $47,040 for 

manufacturers’ compliance with thirdparty disclosure requirements, based on 

3,360 hours (3,360 hours × $14 per hour 

for clerical personnel); and $2,519,640 

for disclosure compliance by installers, 

new home sellers, and retailers (125,982 

hours × $20 per hour for sales persons).] 

Request for Comments 

You can file a comment online or on 

paper. For the Commission to consider 

your comment, we must receive it on or 

before December 24, 2014. Write ‘‘Rvalue Rule: FTC File No. R811001’’ on 


asabaliauskas on DSK5VPTVN1PROD with NOTICES
69850 Federal Register / Vol. 79, No. 226 / Monday, November 24, 2014 / Notices 

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 public 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 does 

not include any sensitive personal 

information, such as anyone’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. You are also solely responsible 

for making sure that your comment does 

not include any sensitive health 

information, like 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 discussed 

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 

you are required to follow the procedure 

explained in FTC Rule 4.9(c), 16 CFR 

4.9(c). Your comment will be kept 

confidential only if the FTC General 

Counsel 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 

comment online, or to send it to the 

Commission by courier or overnight 

service. To make sure that the 

Commission considers your online 

comment, you must file it at https://

ftcpublic.commentworks.com/ftc/

rvaluerulepra2, by following the 

instructions on the web-based form. If 

this Notice appears at http://

www.regulations.gov, you also may file 

a comment through that Web site. 

If you file your comment on paper, 

write ‘‘R-value Rule: FTC File No. 

R811001’’ on your comment and on the 

envelope, and mail or deliver it to the 

following address: Federal Trade 

Commission, Office of the Secretary, 

600 Pennsylvania Avenue NW., Suite 

CC–5610 (Annex J), 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 J), 

Washington, DC 20024. If possible, 

submit your paper comment to the 

Commission by courier or overnight 

service. 

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 24, 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.shtm. 

Comments on the information 

collection requirements subject to 

review under the PRA should also be 

submitted to OMB. If sent by U.S. mail, 

address comments to: Office of 

Information and Regulatory Affairs, 

Office of Management and Budget, 

Attention: Desk Officer for the Federal 

Trade Commission, New Executive 

Office Building, Docket Library, Room 

10102, 725 17th Street NW., 

Washington, DC 20503. Comments sent 

to OMB by U.S. postal mail, however, 

are subject to delays due to heightened 

security precautions. Thus, comments 

instead should be sent by facsimile to 

(202) 395–5167. 

David C. Shonka, 

Principal Deputy General Counsel. 

[FR Doc. 2014–27721 Filed 11–21–14; 8:45 am] 

BILLING CODE 6750–01–P 

FEDERAL TRADE COMMISSION 

[File No. 132 3219] 

True Ultimate Standards Everywhere, 

Inc., Doing Business as TRUSTe, Inc.; 

Analysis To Aid Public Comment 

AGENCY: Federal Trade Commission. 

ACTION: Proposed Consent Agreement. 

SUMMARY: The consent agreement in this 

matter settles alleged violations of 

federal law prohibiting unfair or 

deceptive acts or practices. The attached 

Analysis to Aid Public Comment 

describes both the allegations in the 

draft complaint and the terms of the 

consent order—embodied in the consent 

agreement—that would settle these 

allegations. 

DATES: Comments must be received on 

or before December 17, 2014. 

ADDRESSES: Interested parties may file a 

comment at https://

ftcpublic.commentworks.com/ftc/

trusteconsent online or on paper, by 

following the instructions in the 

Request for Comment part of the 

SUPPLEMENTARY INFORMATION section 

below. Write ‘‘True Ultimate Standards 

Everywhere, Inc., Doing Business As 

TRUSTe, Inc.—Consent Agreement; File 

No. 132 32193’’ on your comment and 

file your comment online at https://

ftcpublic.commentworks.com/ftc/

trusteconsent by following the 

instructions on the Web-based form. If 

you prefer to file your comment on 

paper, write ‘‘True Ultimate Standards 

Everywhere, Inc., Doing Business As 

TRUSTe, Inc.—Consent Agreement; File 

No. 132 32193’’ 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 D), 

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 D), Washington, DC 20024. 

FOR FURTHER INFORMATION CONTACT: 

Jamie Hine (202–326–2188), Bureau of 

Consumer Protection, 600 Pennsylvania 

Avenue NW., Washington, DC 20580. 

SUPPLEMENTARY INFORMATION: Pursuant 

to Section 6(f) of the Federal Trade 

Commission Act, 15 U.S.C. 46(f), and 

FTC Rule 2.34, 16 CFR 2.34, notice is 

hereby given that the above-captioned 

consent agreement containing consent 

order to cease and desist, having been 

filed with and accepted, subject to final 

approval, by the Commission, has been 

placed on the public record for a period 

of thirty (30) days. The following 

Analysis to Aid Public Comment 

describes the terms of the consent 

agreement, and the allegations in the 

complaint. An electronic copy of the 

full text of the consent agreement 

package can be obtained from the FTC 

Home Page (for November 17, 2014), on 

the World Wide Web, at http://

www.ftc.gov/os/actions.shtm. 

You can file a comment online or on 

paper. For the Commission to consider 

your comment, we must receive it on or 

before December 17, 2014. Write ‘‘True 

Ultimate Standards Everywhere, Inc., 

Doing Business As TRUSTe, Inc.— 

Consent Agreement; File No. 132 

32193’’ on your comment. Your 

comment—including your name and 

your state—will be placed on the public 

record of this proceeding, including, to 


asabaliauskas on DSK5VPTVN1PROD with NOTICES