48702 Federal Register / Vol. 82, No. 201 / Thursday, October 19, 2017 / Notices 

(1) join the meeting by visiting this link: 

https://www.gotomeeting.com/webinar/ 

join-webinar, (https://

www.gotomeeting.com/webinarhttps://

global.gotomeeting.com/join/ 

9556681252) enter the Webinar ID: 486– 

474–157, and (3) enter your name and 

email address (required). After logging 

in to the webinar, please dial this TOLL 

number 1–646–749–3131 (not a toll-free 

number), and enter your audio phone 

pin (shown after joining the webinar). 

Note: We have disabled Mic/Speakers as 

an option and require all participants to 

use a telephone or cell phone to 

participate. Technical Information and 

System Requirements: PC-based 

attendees are required to use Windows®

7, Vista, or XP; Mac®-based attendees 

are required to use Mac OS® X 10.5 or 

newer; Mobile attendees are required to 

use iPhone®, iPad®, AndroidTM phone 

or Android tablet (See the https://

www.gotomeeting.com/webinar/ipadiphone-android-webinar-apps). You 

may send an email to Mr. Kris 

Kleinschmidt at Kris.Kleinschmidt@

noaa.gov or contact him at (503) 820– 

2280, extension 411 for technical 

assistance. 

Council address: Pacific Fishery 

Management Council, 7700 NE. 

Ambassador Place, Suite 101, Portland, 

OR 97220–1384. 

FOR FURTHER INFORMATION CONTACT: 

Kerry Griffin, Pacific Council; 

telephone: (503) 820–2409. 

SUPPLEMENTARY INFORMATION: The 

purpose of the meeting is to discuss 

items on the agenda of the November 

Pacific Council meeting, being held 

November 14–20, 2017 in Costa Mesa, 

CA. These may include exempted 

fishing permit proposals, methodology 

review proposals, and administrative 

matters. The CPSAS and CPSMT may 

develop reports to the Pacific Council 

on those items, and public comment 

may be taken at the discretion of the 

CPSMT and CPSAS Chairs. 

Although non-emergency issues not 

contained in the meeting agenda may be 

discussed, those issues may not be the 

subject of formal action during this 

meeting. Action will be restricted to 

those issues specifically listed in this 

document and any issues arising after 

publication of this document that 

require emergency action under section 

305(c) of the Magnuson-Stevens Fishery 

Conservation and Management Act, 

provided the public has been notified of 

the intent to take final action to address 

the emergency. 

Special Accommodations 

This public listening station is 

physically accessible to people with 

disabilities. Requests for sign language 

interpretation or other auxiliary aids 

should be directed to Mr. Kris 

Kleinschmidt (kris.kleinschmidt@

noaa.gov); (503) 820–2411 at least 10 

days prior to the meeting date. 

Dated: October 13, 2017. 

Jeffrey N. Lonergan, 

Acting Deputy Director, Office of Sustainable 

Fisheries, National Marine Fisheries Service. 

[FR Doc. 2017–22641 Filed 10–18–17; 8:45 am] 

BILLING CODE 3510–22–P 

DEPARTMENT OF COMMERCE 

National Oceanic and Atmospheric 

Administration 

Proposed Information Collection; 

Comment Request; Protocol for 

Access to Tissue Specimen Samples 

From the National Marine Mammal 

Tissue Bank 

AGENCY: National Oceanic and 

Atmospheric Administration (NOAA), 

Commerce. 

ACTION: Notice. 

SUMMARY: The Department of 

Commerce, as part of its continuing 

effort to reduce paperwork and 

respondent burden, invites the general 

public and other Federal agencies to 

take this opportunity to comment on 

proposed and/or continuing information 

collections, as required by the 

Paperwork Reduction Act of 1995. 

DATES: Written comments must be 

submitted on or before December 18, 

2017. 

ADDRESSES: Direct all written comments 

to Jennifer Jessup, Departmental 

Paperwork Clearance Officer, 

Department of Commerce, Room 6616, 

14th and Constitution Avenue NW., 

Washington, DC 20230 (or via the 

Internet at pracomments@doc.gov). 

FOR FURTHER INFORMATION CONTACT: 

Requests for additional information or 

copies of the information collection 

instrument and instructions should be 

directed to Sarah Wilkin, (301) 427– 

8470 or sarah.wilkin@noaa.gov. 

SUPPLEMENTARY INFORMATION: 

I. Abstract 

This request is for extension of a 

current information collection. 

In 1989, the National Marine Mammal 

Tissue Bank (NMMTB) was established 

by the National Marine Fisheries 

Service (NMFS) Office of Protected 

Resources (OPR) in collaboration with 

the National Institute of Standards and 

Technology (NIST), Minerals 

Management Service (MMS), and the 

U.S. Geological Survey/Biological 

Resources Division (USGS/BRD). The 

NMMTB provides protocols, techniques, 

and physical facilities for the long-term 

storage of tissues from marine 

mammals. Scientists can request tissues 

from this repository for retrospective 

analyses to determine environmental 

trends of contaminants and other 

substances of interest. The NMMTB 

collects, processes, and stores tissues 

from specific indicator species (e.g., 

Atlantic bottlenose dolphins, Atlantic 

white sided dolphins, pilot whales, 

harbor porpoises), animals from mass 

strandings, animals that have been 

obtained incidental to commercial 

fisheries, animals taken for subsistence 

purposes, biopsies, and animals from 

unusual mortality events through two 

projects, the Marine Mammal Health 

and Stranding Response Program 

(MMHSRP) and the Alaska Marine 

Mammal Tissue Archival Project 

(AMMTAP). 

The purposes of this collection of 

information are: (1) To enable NOAA to 

allow the scientific community the 

opportunity to request tissue specimen 

samples from the NMMTB and, (2) to 

enable the Marine Mammal Health and 

Stranding Response Program 

(MMHSRP) of NOAA to assemble 

information on all specimens submitted 

to the National Institute of Standards 

and Technology’s Marine 

Environmental Specimen Bank (Marine 

ESB), which includes the NMMTB. 

II. Method of Collection 

Respondents must complete a 

specimen banking information sheet for 

every sample submitted to the Bank. 

Methods of submitting reports include 

Internet, mail and facsimile 

transmission of paper forms. Those 

requesting samples send the 

information, and their research findings, 

mainly via email. 

III. Data 

OMB Control Number: 0648–0468. 

Form Number(s): None. 

Type of Review: Regular submission 

(extension of a current information 

collection). 

Affected Public: Individuals or 

households; business or other for-profit 

organizations; not-for-profit institutions; 

state, local, or tribal government; federal 

government. 

Estimated Number of Respondents: 

105: 100 specimen submission forms 

(from ∼20 different organizations); 

5 requests for tissue samples. 

Estimated Time per Response: 

Request for tissue sample, 2 hours; 

specimen submission form, 45 minutes. 


rmajette on DSKBCKNHB2PROD with NOTICES
Federal Register / Vol. 82, No. 201 / Thursday, October 19, 2017 / Notices 48703 

1 In 2016, about 70 percent of CFPB examinations 

did not raise issues that led the Bureau to consider 

opening an enforcement investigation. Instead, 

these matters were resolved with nonpublic 

agreements by the company to quickly fix any 

problems and provide appropriate relief to 

consumers. See infra pp. 37–39 (discussing these 

figures). See also https://

www.consumerfinance.gov/about-us/blog/how-wekeep-you-safe-consumer-financial-marketplace/. 

Estimated Total Annual Burden 

Hours: 85. 

Estimated Total Annual Cost to 

Public: $152 in recordkeeping/reporting 

costs. 

IV. Request for Comments 

Comments are invited on: (a) Whether 

the proposed collection of information 

is necessary for the proper performance 

of the functions of the agency, including 

whether the information shall have 

practical utility; (b) the accuracy of the 

agency’s estimate of the burden 

(including hours and cost) of the 

proposed collection of information; (c) 

ways to enhance the quality, utility, and 

clarity of the information to be 

collected; and (d) ways to minimize the 

burden of the collection of information 

on respondents, including through the 

use of automated collection techniques 

or other forms of information 

technology. 

Comments submitted in response to 

this notice will be summarized and/or 

included in the request for OMB 

approval of this information collection; 

they also will become a matter of public 

record. 

Dated: October 13, 2017. 

Sarah Brabson, 

NOAA PRA Clearance Officer. 

[FR Doc. 2017–22648 Filed 10–18–17; 8:45 am] 

BILLING CODE 3510–22–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Supervisory Highlights: Summer 2017 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Supervisory Highlights; notice. 

SUMMARY: The Bureau of Consumer 

Financial Protection (Bureau or CFPB) is 

issuing its fifteenth edition of its 

Supervisory Highlights. In this issue of 

Supervisory Highlights, we report 

examination findings in the areas of 

auto finance lending; credit card 

account management; debt collection; 

deposits; mortgage servicing; mortgage 

origination; service providers; shortterm, small-dollar lending; remittances; 

and fair lending. As in past editions, 

this report includes information on the 

Bureau’s use of its supervisory and 

enforcement authority, recently released 

examination procedures, and Bureau 

guidance. 

DATES: The Bureau released this edition 

of the Supervisory Highlights on its Web 

site on September 12, 2017. 

FOR FURTHER INFORMATION CONTACT: 

Adetola Adenuga, Consumer Financial 

Protection Analyst, Office of 

Supervision Policy, 1700 G Street NW., 

20552, (202) 435–9373. 

SUPPLEMENTARY INFORMATION: 

1. Introduction 

The Consumer Financial Protection 

Bureau is committed to a consumer 

financial marketplace that is fair, 

transparent, and competitive, and that 

works for all consumers. The Bureau 

supervises both bank and nonbank 

institutions to help meet this goal. The 

findings reported here reflect 

information obtained from supervisory 

activities that were generally completed 

between January 2017 and June 2017 

(unless otherwise stated). In some 

instances, not all corrective actions, 

including through enforcement, have 

been completed at the time of this 

report’s publication. 

CFPB supervisory reviews and 

examinations typically involve 

assessing a supervised entity’s 

compliance management system and 

compliance with Federal consumer 

financial laws. When Supervision 

determines that a supervised entity has 

violated a statute or regulation, 

Supervision directs the entity to 

undertake appropriate corrective 

measures, such as implementing new 

policies, changing written 

communications, improving training or 

monitoring, or otherwise changing 

conduct to ensure the illegal practices 

cease. Supervision also directs the 

entity to send refunds to consumers, pay 

restitution, credit borrower accounts, or 

take other remedial actions as 

appropriate. 

Recent supervisory resolutions have 

resulted in total restitution payments of 

approximately $14 million to more than 

104,000 consumers during the review 

period. In addition to these nonpublic 

supervisory activities, the Bureau also 

resolves violations using public 

enforcement actions.1 CFPB’s recent 

supervisory activities have either led to 

or supported two recent public 

enforcement actions, resulting in about 

$1.15 million in consumer remediation 

and an additional $1.75 million in civil 

money penalties. 

Please submit any questions or 

comments to CFPB_Supervision@

cfpb.gov. 

2. Supervisory Observations 

Recent supervisory observations are 

reported in the areas of automobile loan 

servicing, credit card account 

management, debt collection, deposits, 

mortgage origination, mortgage 

servicing, remittances, service provider 

program, short-term small-dollar 

lending, and fair lending. 

2.1 Automobile Loan Servicing 

In the Bureau’s recent auto servicing 

examinations, examiners reviewed how 

servicers are overseeing repossession 

agents and how repossessions are 

conducted. Through that work, 

examiners identified an unfair practice 

relating to repossession at one or more 

automobile servicers. 

2.1.1 Repossessions of Borrower 

Vehicles After Borrowers Make CatchUp Payments or Enter Agreements To 

Avoid Repossession 

To secure an auto loan, borrowers 

give creditors a security interest in their 

vehicles. When a borrower defaults, a 

creditor can exercise its rights under the 

contract and repossess the secured 

vehicle. Many auto servicers provide 

options to borrowers to avoid 

repossession once a loan is delinquent 

or in default. Servicers may have formal 

extension agreements that allow 

borrowers to forbear payments for a 

certain period of time or may cancel a 

repossession order once a borrower 

makes a payment. 

In one or more recent exams, 

examiners found that one or more 

entities were repossessing vehicles after 

the repossession was supposed to be 

cancelled. In these instances, the 

servicer(s) wrongfully coded the 

account as remaining delinquent, 

customer service representatives did not 

timely cancel the repossession order 

after borrowers made sufficient 

payments or entered an agreement with 

the servicer to avoid repossession, or 

repossession agents had not checked the 

documentation before repossessing and 

thus did not learn that the repossession 

had been cancelled. 

Bureau examiners concluded that it 

was an unfair practice to repossess 

vehicles where borrowers had brought 

the account current, entered an 

agreement with the servicer to avoid 

repossession, or made a payment 

sufficient to stop the repossession, 

where reasonably practicable given the 

timing of the borrower’s action. 

Supervision directed the servicer(s) to 

stop the practice. In response to our 

examiners’ findings, the servicer(s) 

informed Supervision that the affected 

consumers were refunded the 


rmajette on DSKBCKNHB2PROD with NOTICES