Federal Register / Vol. 82, No. 170 / Tuesday, September 5, 2017 / Notices 42015 

1This regulation has been transferred to the 

Consumer Financial Protection Bureau (CFPB) (12 

CFR part 1003). 

2Loan Application Register, http://www.ffiec.gov/ 

hmda/pdf/hmdalar2011.pdf. 

origin. The Equal Credit Opportunity 

Act (ECOA) (15 U.S.C. 1691 et seq.) 

prohibits discrimination in any aspect 

of a credit transaction on the basis of 

race, color, religion, national origin, sex, 

marital status, age, receipt of income 

from public assistance, or exercise of 

any right under the Consumer Credit 

Protection Act (CCPA) (15 U.S.C. 1601 

et seq.). The OCC is responsible for 

ensuring that national banks and federal 

savings associations comply with those 

laws. This information collection is 

needed to promote compliance and for 

the OCC to fulfill its statutory 

responsibilities. 

The OCC uses the data to determine 

whether an institution treated 

applicants consistently and made credit 

decisions commensurate with the 

applicants’ qualifications and in 

compliance with ECOA and CCPA. 

The information collection 

requirements are as follows: 

• 12 CFR 27.3(a) requires national 

banks that are required to collect data 

on home loans under 12 CFR part 203 1

to present the data on Form FR HMDA– 

LAR,2 or in automated format in 

accordance with the HMDA–LAR 

instructions, and to include one 

additional item (the reason for denial) 

on the HMDA–LAR. Section 27.3(a) also 

lists exceptions to the HMDA–LAR 

recordkeeping requirements. Federal 

savings associations report this 

information to the OCC pursuant to 12 

CFR 128.6 and the CFPB’s Regulation C, 

12 CFR part 1003. 

• 12 CFR 27.3(b) lists the information 

national banks shall attempt to obtain 

from an applicant as part of a home loan 

application and sets forth the 

information that banks must disclose to 

an applicant. 

• 12 CFR 27.3(c) sets forth additional 

information national banks must 

maintain in the loan file. 

• 12 CFR 27.4 states that the OCC 

may require a national bank to maintain 

a Fair Housing Inquiry/Application Log 

found in Appendix III to part 27 if there 

is reason to believe that the bank is 

engaging in discriminatory practices or 

if analysis of the data compiled by the 

bank under the Home Mortgage 

Disclosure Act (12 U.S.C. 2801 et seq.) 

and 12 CFR part 203 indicates a pattern 

of significant variation in the number of 

home loans between census tracts with 

similar incomes and home ownership 

levels differentiated only by race or 

national origin. Section 27.4(a)(2) also 

requires a log if complaints filed with 

the Comptroller or letters in the 

Community Reinvestment Act file are 

found to be substantive in nature, 

indicating that the bank’s home lending 

practices are, or may be, discriminatory. 

• 12 CFR 27.5 requires a national 

bank to maintain the information 

required by § 27.3 for 25 months after 

the bank notifies the applicant of action 

taken on an application or after 

withdrawal of an application. 

• 12 CFR 27.7 requires a national 

bank to submit the information required 

by §§ 27.3(a) and 27.4 to the OCC upon 

its request prior to a scheduled 

examination using the Monthly Home 

Loan Activity Format form in Appendix 

I to part 27 and the Home Loan Data 

Form in Appendix IV to part 27. Section 

27.7(c)(3) states that a bank with fewer 

than 75 home loan applications in the 

preceding year will not be required to 

submit such forms unless the home loan 

activity is concentrated in the few 

months preceding the request for data, 

indicating the likelihood of increased 

activity over the subsequent year or 

there is cause to believe that a bank is 

not in compliance with the fair housing 

laws based on prior examinations and/ 

or complaints, among other factors. 

• Section 27.7(d) provides that if 

there is cause to believe that a bank is 

in noncompliance with fair housing 

laws, the Comptroller may require 

submission of additional Home Loan 

Data Submission Forms. The 

Comptroller may also require 

submission of the information 

maintained under § 27.3(a) and Home 

Loan Data Submission Forms at more 

frequent intervals. 

OCC-regulated institutions now have 

access to a CFPB-developed web-based 

data submission and edit-check system 

(the HMDA Platform) that may be used 

to process HMDA data. Some 

institutions, typically those with small 

volumes of reported loans or those who 

do not use a vendor or other software to 

prepare their HMDA data for 

submission, will still need a software 

solution for integrating HMDA data 

from paper records or electronic 

systems. Therefore, the CFPB created a 

prototype ‘‘LAR Formatting Tool’’ 

which will allow financial institutions 

with small volumes of reported loans, or 

those who do not use a vendor or other 

software to prepare their HMDA data for 

submission, to enter HMDA data and to 

create a pipe delimited text file to 

upload to the HMDA Platform. The 

institution can then proceed through the 

interactive Web pages of the HMDA 

Platform to process HMDA data. 

Type of Review: Regular. 

Affected Public: Businesses or other 

for-profit. 

Frequency of Response: On occasion. 

Estimated Number of Respondents: 

1,927. 

Estimated Total Annual Burden: 

31,704 hours. 

The OCC issued a notice for 60 days 

of comment regarding this collection on 

June 5, 2017, 82 FR 25917. 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 burden of the 

information collection; 

(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: August 28, 2017. 

Karen Solomon, 

Deputy Chief Counsel, Office of the 

Comptroller of the Currency. 

[FR Doc. 2017–18639 Filed 9–1–17; 8:45 am] 

BILLING CODE 4810–33–P 

DEPARTMENT OF THE TREASURY 

Office of the Comptroller of the 

Currency 

Agency Information Collection 

Activities; Information Collection 

Renewal; Submission for OMB Review; 

Basel II Interagency Supervisory 

Guidance for the Supervisory Review 

Process (Pillar 2) 

AGENCY: Office of the Comptroller of the 

Currency (OCC), Treasury. 

ACTION: Notice and request for 

comments. 

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 a continuing 

information collection as required by 

the Paperwork Reduction Act of 1995 

(PRA). 

The OCC may not conduct or sponsor, 

and a respondent is not required to 

respond to, an information collection 

unless it displays a currently valid 

mstockstill on DSK30JT082PROD with NOTICES

42016 Federal Register / Vol. 82, No. 170 / Tuesday, September 5, 2017 / Notices 

1OCC, Board of Governors of the Federal Reserve 

System, Federal Deposit Insurance Corporation. 

2 73 FR 44620 (July 31, 2008). 

Office of Management and Budget 

(OMB) control number. 

The OCC is soliciting comment 

concerning the renewal of its 

information collection titled ‘‘Basel II 

Interagency Supervisory Guidance for 

the Supervisory Review Process (Pillar 

2).’’ The OCC also is giving notice that 

it has sent the collection to OMB for 

review. 

DATES: Comments must be received by 

October 5, 2017. 

ADDRESSES: Because paper mail in the 

Washington, DC area and at the OCC is 

subject to delay, commenters are 

encouraged to submit comments by 

email, if possible. Comments may be 

sent to: Legislative and Regulatory 

Activities Division, Office of the 

Comptroller of the Currency, Attention: 

1557–0242, 400 7th Street SW., Suite 

3E–218, Washington, DC 20219. In 

addition, comments may be sent by fax 

to (571) 465–4326 or by electronic mail 

to prainfo@occ.treas.gov. You may 

personally inspect and photocopy 

comments at the OCC, 400 7th 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) 649–6700 or, for persons who are 

deaf or hard of hearing, TTY, (202) 649– 

5597. Upon arrival, visitors will be 

required to present valid governmentissued photo identification and submit 

to security screening in order to inspect 

and photocopy comments. 

All comments received, including 

attachments and other supporting 

materials, are part of the public record 

and subject to public disclosure. Do not 

include any information in your 

comment or supporting materials that 

you consider confidential or 

inappropriate for public disclosure. 

Additionally, please send a copy of 

your comments by mail to: OCC Desk 

Officer, 1557–0242, U.S. Office of 

Management and Budget, 725 17th 

Street NW., #10235, Washington, DC 

20503 or by email to oira submission@

omb.eop.gov. 

FOR FURTHER INFORMATION CONTACT: 

Shaquita Merritt, OCC Clearance 

Officer, (202) 649–5490 or, for persons 

who are deaf or hard of hearing, TTY, 

(202) 649–5597, Legislative and 

Regulatory Activities Division, Office of 

the Comptroller of the Currency, 400 7th 

Street SW., Washington, DC 20219. 

SUPPLEMENTARY INFORMATION: Under the 

PRA (44 U.S.C. 3501–3520), federal 

agencies must obtain approval from the 

OMB for each collection of information 

that they conduct or sponsor. 

‘‘Collection of information’’ is defined 

in 44 U.S.C. 3502(3) and 5 CFR 

1320.3(c) to include agency requests or 

requirements that members of the public 

submit reports, keep records, or provide 

information to a third party. 

The OCC is requesting that OMB 

extend its approval of this collection. 

Title of Information Collection: Basel 

II Interagency Supervisory Guidance for 

the Supervisory Review Process (Pillar 

2). 

OMB Control No.: 1557–0242. 

Frequency of Response: Eventgenerated. 

Affected Public: National banks. 

Abstract: In 2008, the agencies 1

issued a supervisory guidance 

document for implementing the 

supervisory review process (Pillar 2).2

Sections 37, 41, 43, and 46 of the 

guidance contain information 

collections. Section 37 provides that 

banks should state clearly the definition 

of capital used in any aspect of its 

internal capital adequacy assessment 

process (ICAAP) and document any 

changes in the internal definition of 

capital. Section 41 provides that banks 

should maintain thorough 

documentation of ICAAP. Section 43 

specifies that the board of directors 

should approve the bank’s ICAAP, 

review it on a regular basis, and approve 

any changes. Boards of directors, under 

section 46, should periodically review 

the assessment of overall capital 

adequacy and to analyze how measures 

of internal capital adequacy compare 

with other capital measures (such as 

regulatory or accounting). 

Estimated Burden: 

Number of Respondents: 23. 

Estimated Burden per Respondent: 

140 hours. 

Total Estimated Annual Burden: 

3,220 hours. 

The OCC issued a notice for 60 days 

of comment on June 7, 2017, 82 FR 

26569. No comments were received. 

Comments continue to be invited on: 

(a) Whether the collection of 

information is necessary for the proper 

performance of the OCC’s functions, 

including whether the information has 

practical utility; 

(b) The accuracy of the OCC’s burden 

estimates, including the validity of the 

methodology and assumptions used; 

(c) Ways to enhance the quality, 

utility, and clarity of the information to 

be collected; 

(d) Ways to minimize the burden of 

the information 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: August 28, 2017. 

Karen Solomon, 

Deputy Chief Counsel, Office of the 

Comptroller of the Currency. 

[FR Doc. 2017–18692 Filed 9–1–17; 8:45 am] 

BILLING CODE 4810–33–P 

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