48892 Federal Register / Vol. 82, No. 202 / Friday, October 20, 2017 / Notices 

1 79 FR 51518. 

2 82 FR 31151. 

3 12 U.S.C. 1831p–1. Section 39 was enacted as 

part of the Federal Deposit Insurance Corporation 

Improvement Act of 1991, Public Law 102–242, 

section 132(a), 105 Stat. 2236, 2267–70 (Dec. 19, 

1991). 

4Public Law 111–203, 124 Stat. 1376 (2010). 

comments in the request for OMB’s 

clearance of this information collection. 

Authority: The Paperwork Reduction Act 

of 1995; 44 U.S.C. Chapter 35, as amended; 

and 49 CFR 1:48. 

Issued in Washington, DC, on October 17, 

2017. 

Jeff Michael, 

Associate Administrator, Research and 

Program Development. 

[FR Doc. 2017–22797 Filed 10–19–17; 8:45 am] 

BILLING CODE 4910–59–P 

DEPARTMENT OF THE TREASURY 

Office of the Comptroller of the 

Currency 

Agency Information Collection 

Activities: Information Collection 

Renewal; Comment Request; OCC 

Guidelines Establishing Heightened 

Standards for Certain Large Insured 

National Banks, Insured Federal 

Savings Associations, and Insured 

Federal Branches 

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 take this opportunity to 

comment on a continuing information 

collection, as required by the Paperwork 

Reduction Act of 1995 (PRA). 

In accordance with the requirements 

of the PRA, the OCC may not conduct 

or sponsor, and the 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 finalizing the renewal of 

its information collection titled, ‘‘OCC 

Guidelines Establishing Heightened 

Standards for Certain Large Insured 

National Banks, Insured Federal Savings 

Associations, and Insured Federal 

Branches.’’ The OCC is also giving 

notice that it has sent the collection to 

OMB for review. 

DATES: Comments must be submitted on 

or before November 20, 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: 

1557–0321, 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 hearing impaired, 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, 1557–0319, U.S. Office of 

Management and Budget, 725 17th 

Street NW., #10235, Washington, DC 

20503, or by email to: 

oiralsubmission@omb.eop.gov. 

FOR FURTHER INFORMATION CONTACT: 

Shaquita Merritt, OCC Clearance 

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

who are deaf or hearing impaired, TTY, 

(202) 649–5597, Legislative and 

Regulatory Activities Division, Office of 

the Comptroller of the Currency, 400 7th 

Street SW., Suite 3E–218, Washington, 

DC 20219. 

SUPPLEMENTARY INFORMATION: Under the 

PRA (44 U.S.C. 3501–3520), Federal 

agencies must obtain approval from 

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. Section 

3506(c)(2)(A) of title 44 requires Federal 

agencies to provide a 60-day notice in 

the Federal Register concerning each 

proposed collection of information, 

including each proposed extension of an 

existing collection of information, 

before submitting the collection to OMB 

for approval. To comply with this 

requirement, the OCC is publishing 

notice of the proposed collection of 

information set forth in this document. 

Title: OCC Guidelines Establishing 

Heightened Standards for Certain Large 

Insured National Banks, Insured Federal 

Savings Associations, and Insured 

Federal Branches. 

OMB Control No.: 1557–0321. 

Description: The OCC’s guidelines 

codified in 12 CFR part 30, appendix D 

establish minimum standards for the 

design and implementation of a risk 

governance framework for insured 

national banks, insured Federal savings 

associations, and insured Federal 

branches of a foreign bank (bank). The 

guidelines apply to a bank with average 

total consolidated assets: (i) Equal to or 

greater than $50 billion; (ii) less than 

$50 billion if that bank’s parent 

company controls at least one insured 

national bank or insured Federal savings 

association that has average total 

consolidated assets of $50 billion or 

greater; or (iii) less than $50 billion, if 

the OCC determines such bank’s 

operations are highly complex or 

otherwise present a heightened risk as 

to warrant the application of the 

guidelines (covered banks). The 

guidelines also establish minimum 

standards for a board of directors in 

overseeing the framework’s design and 

implementation. These guidelines were 

finalized on September 11, 2014.1 The 

OCC proposed renewing the information 

collection associated with the 

guidelines on July 5, 2017.2 The OCC is 

now seeking OMB approval to renew 

the information collection associated 

with these guidelines. 

The standards contained in the 

guidelines are enforceable under section 

39 of the Federal Deposit Insurance Act 

(FDIA),3 which authorizes the OCC to 

prescribe operational and managerial 

standards for insured national banks, 

insured Federal savings associations, 

and insured Federal branches of a 

foreign bank. 

The guidelines formalize the OCC’s 

heightened expectations program. They 

also further the goal of the Dodd-Frank 

Wall Street Reform and Consumer 

Protection Act of 2010 4 to strengthen 

the financial system by focusing 

management and boards of directors on 

improving and strengthening risk 

management practices and governance, 

thereby minimizing the probability and 

impact of future financial crises. 

The standards for the design and 

implementation of the risk governance 

framework, which contain collections of 

information, are as follows: 


srobinson on DSKBC5CHB2PROD with NOTICES
Federal Register / Vol. 82, No. 202 / Friday, October 20, 2017 / Notices 48893 

Standards for Risk Governance 

Framework 

Covered banks should establish and 

adhere to a formal, written risk 

governance framework designed by 

independent risk management. It should 

include delegations of authority from 

the board of directors to management 

committees and executive officers as 

well as risk limits established for 

material activities. It should be 

approved by the board of directors or 

the board’s risk committee and reviewed 

and updated at least annually by 

independent risk management. 

Front Line Units 

Front line units should take 

responsibility and be held accountable 

by the Chief Executive Officer (CEO) 

and the board of directors for 

appropriately assessing and effectively 

managing all of the risks associated with 

their activities. In fulfilling this 

responsibility, each front line unit 

should, either alone or in conjunction 

with another organizational unit that 

has the purpose of assisting a front line 

unit: (i) Assess, on an ongoing basis, the 

material risks associated with its 

activities and use such risk assessments 

as the basis for fulfilling its 

responsibilities and for determining if 

actions need to be taken to strengthen 

risk management or reduce risk given 

changes in the unit’s risk profile or 

other conditions; (ii) establish and 

adhere to a set of written policies that 

include front line unit risk limits (such 

policies should ensure risks associated 

with the front line unit’s activities are 

effectively identified, measured, 

monitored, and controlled, consistent 

with the covered bank’s risk appetite 

statement, concentration risk limits, and 

all policies established within the risk 

governance framework); (iii) establish 

and adhere to procedures and processes, 

as necessary to maintain compliance 

with the policies described in (ii); (iv) 

adhere to all applicable policies, 

procedures, and processes established 

by independent risk management; (v) 

develop, attract, and retain talent and 

maintain staffing levels required to carry 

out the unit’s role and responsibilities 

effectively; (vi) establish and adhere to 

talent management processes; and (vii) 

establish and adhere to compensation 

and performance management 

programs. 

Independent Risk Management 

Independent risk management should 

oversee the covered bank’s risk-taking 

activities and assess risks and issues 

independent of the front line units by: 

(i) Designing a comprehensive written 

risk governance framework 

commensurate with the size, 

complexity, and risk profile of the 

covered bank; (ii) identifying and 

assessing, on an ongoing basis, the 

covered bank’s material aggregate risks 

and using such risk assessments as the 

basis for fulfilling its responsibilities 

and for determining if actions need to be 

taken to strengthen risk management or 

reduce risk given changes in the covered 

bank’s risk profile or other conditions; 

(iii) establishing and adhering to 

enterprise policies that include 

concentration risk limits; (iv) 

establishing and adhering to procedures 

and processes to ensure compliance 

with policies in (iii); (v) identifying and 

communicating to the CEO and board of 

directors or board’s risk committee 

material risks and significant instances 

where independent risk management’s 

assessment of risk differs from that of a 

front line unit, and significant instances 

where a front line unit is not adhering 

to the risk governance framework; (vi) 

identifying and communicating to the 

board of directors or the board’s risk 

committee material risks and significant 

instances where independent risk 

management’s assessment of risk differs 

from the CEO, and significant instances 

where the CEO is not adhering to, or 

holding front line units accountable for 

adhering to, the risk governance 

framework; and (vii) developing, 

attracting, and retaining talent and 

maintaining staffing levels required to 

carry out the unit’s role and 

responsibilities effectively while 

establishing and adhering to talent 

management processes and 

compensation and performance 

management programs. 

Internal Audit 

Internal audit should ensure that the 

covered bank’s risk governance 

framework complies with the 

Guidelines and is appropriate for the 

size, complexity, and risk profile of the 

covered bank. It should maintain a 

complete and current inventory of all of 

the covered bank’s material processes, 

product lines, services, and functions, 

and assess the risks, including emerging 

risks, associated with each, which 

collectively provide a basis for the audit 

plan. It should establish and adhere to 

an audit plan, which is periodically 

reviewed and updated, that takes into 

account the covered bank’s risk profile, 

emerging risks, issues, and establishes 

the frequency with which activities 

should be audited. The audit plan 

should require internal audit to evaluate 

the adequacy of and compliance with 

policies, procedures, and processes 

established by front line units and 

independent risk management under the 

risk governance framework. Significant 

changes to the audit plan should be 

communicated to the board’s audit 

committee. Internal audit should report 

in writing, conclusions and material 

issues and recommendations from audit 

work carried out under the audit plan to 

the board’s audit committee. Reports 

should identify the root cause of any 

material issues and include: (i) A 

determination of whether the root cause 

creates an issue that has an impact on 

one organizational unit or multiple 

organizational units within the covered 

bank; and (ii) a determination of the 

effectiveness of front line units and 

independent risk management in 

identifying and resolving issues in a 

timely manner. Internal audit should 

establish and adhere to processes for 

independently assessing the design and 

ongoing effectiveness of the risk 

governance framework on at least an 

annual basis. The independent 

assessment should include a conclusion 

on the covered bank’s compliance with 

the standards set forth in the 

Guidelines. Internal audit should 

identify and communicate to the board’s 

audit committee significant instances 

where front line units or independent 

risk management are not adhering to the 

risk governance framework. Internal 

audit should establish a quality 

assurance program that ensures internal 

audit’s policies, procedures, and 

processes comply with applicable 

regulatory and industry guidance, are 

appropriate for the size, complexity, and 

risk profile of the covered bank, are 

updated to reflect changes to internal 

and external risk factors, emerging risks, 

and improvements in industry internal 

audit practices, and are consistently 

followed. Internal audit should develop, 

attract, and retain talent and maintain 

staffing levels required to effectively 

carry out its role and responsibilities. 

Internal audit should establish and 

adhere to talent management processes 

and compensation and performance 

management programs that comply with 

the guidelines. 

Strategic Plan 

The CEO, with input from front line 

units, independent risk management, 

and internal audit, should be 

responsible for the development of a 

written strategic plan that should cover, 

at a minimum, a three-year period. The 

board of directors should evaluate and 

approve the plan and monitor 

management’s efforts to implement the 

strategic plan at least annually. The plan 

should include a comprehensive 

assessment of risks that impact the 

covered bank, an overall mission 


srobinson on DSKBC5CHB2PROD with NOTICES
48894 Federal Register / Vol. 82, No. 202 / Friday, October 20, 2017 / Notices 

5 In the July 5, 2017, Federal Register notice 

proposing a renewal of the information collection 

associated with appendix D to 12 CFR part 30, the 

OCC calculated that 41 OCC-supervised entities 

were subject to appendix D. The calculation has 

been updated. This reduced number of respondents 

is due in part to the fact that certain large banking 

organizations have consolidated the number of bank 

charters within their holding company structure. 

6The commenter requested that the OCC disclose 

the number of banks with less than $10 billion in 

total assets that are subject to appendix D. There are 

five covered banks with average total consolidated 

assets less than $10 billion, all of which are covered 

banks because their parent companies control 

another bank with average total consolidated assets 

equal to or greater than $50 billion. 

7https://www.occ.gov/news-issuances/newsreleases/2015/nr-occ-2015-105a.pdf. 

statement and strategic objectives, an 

explanation of how the covered bank 

will update the risk governance 

framework to account for changes to its 

risk profile projected under the strategic 

plan, and be reviewed, updated, and 

approved due to changes in the covered 

bank’s risk profile or operating 

environment that were not 

contemplated when the plan was 

developed. 

Risk Appetite Statement 

A covered bank should have a 

comprehensive written statement that 

articulates its risk appetite that serves as 

the basis for the risk governance 

framework. It should contain qualitative 

components that describe a safe and 

sound risk culture and how the covered 

bank will assess and accept risks and 

quantitative limits that include sound 

stress testing processes and address 

earnings, capital, and liquidity. 

Risk Limit Breaches 

A covered bank should establish and 

adhere to processes that require front 

line units and independent risk 

management to: (i) Identify breaches of 

the risk appetite statement, 

concentration risk limits, and front line 

unit risk limits; (ii) distinguish breaches 

based on the severity of their impact; 

(iii) establish protocols for 

disseminating information regarding a 

breach; (iv) provide a written 

description of the breach resolution; and 

(v) establish accountability for reporting 

and resolving breaches. 

Concentration Risk Management 

The risk governance framework 

should include policies and supporting 

processes appropriate for the covered 

bank’s size, complexity, and risk profile 

for effectively identifying, measuring, 

monitoring, and controlling the covered 

bank’s concentrations of risk. 

Risk Data Aggregation and Reporting 

The risk governance framework 

should include a set of policies, 

supported by appropriate procedures 

and processes, designed to provide risk 

data aggregation and reporting 

capabilities appropriate for the covered 

bank’s size, complexity, and risk profile 

and to support supervisory reporting 

requirements. Collectively, these 

policies, procedures, and processes 

should provide for: (i) The design, 

implementation, and maintenance of a 

data architecture and information 

technology infrastructure that support 

the covered bank’s risk aggregation and 

reporting needs during normal times 

and during times of stress; (ii) the 

capturing and aggregating of risk data 

and reporting of material risks, 

concentrations, and emerging risks in a 

timely manner to the board of directors 

and the OCC; and (iii) the distribution 

of risk reports to all relevant parties at 

a frequency that meets their needs for 

decision-making purposes. 

Talent and Compensation Management 

A covered bank should establish and 

adhere to processes for talent 

development, recruitment, and 

succession planning. The board of 

directors or appropriate committee 

should review and approve a written 

talent management program. A covered 

bank should also establish and adhere to 

compensation and performance 

management programs that comply with 

any applicable statute or regulation. 

Board of Directors Training and 

Evaluation 

The board of directors of a covered 

bank should establish and adhere to a 

formal, ongoing training program for all 

directors. The board of directors should 

also conduct an annual self-assessment. 

Response to Comments 

The OCC received one comment from 

an individual in response to the 

proposed renewal. The commenter 

suggested that the OCC rescind and not 

renew the information collection 

associated with appendix D of 12 CFR 

part 30 for a number of reasons. 

The commenter suggested that almost 

one half of the banks subject to 

appendix D have total assets that are 

significantly less than $50 billion but 

the narrative surrounding ‘‘heightened 

standards’’ leads the public to believe 

that the guidelines are only applicable 

to the largest banks or banks that are 

highly complex or present a heightened 

risk. Appendix D applies to 34 OCCsupervised banks.5 Ten of these 34 

banks have less than $50 billion in 

average total consolidated assets. 

Appendix D applies to banks with less 

than $50 billion in average total 

consolidated assets if a bank’s parent 

company controls at least one other 

bank with average total consolidated 

assets equal to or greater than $50 

billion or if the OCC determines such 

bank’s operations are highly complex or 

otherwise present a heightened risk as 

to warrant the application of appendix 

D. Of the 10 banks covered by appendix 

D that have less than $50 billion in 

average total consolidated assets, eight 

are covered because their parent 

companies control another bank with 

average total consolidated assets equal 

to or greater than $50 billion.6 One of 

the two remaining banks is a covered 

bank because the OCC exercised its 

reservation of authority to apply 

appendix D to the bank.7 The other 

remaining bank is covered because that 

bank previously had average total 

consolidated assets equal to or greater 

than $50 billion. Appendix D applies to 

a bank with less than $50 billion in 

average total consolidated assets when 

that bank’s parent company controls at 

least one bank with average total 

consolidated assets equal to or greater 

than $50 billion because, in some 

instances, the OCC has observed that a 

covered bank’s parent company does 

not pay sufficient attention to the 

operations of these smaller entities in a 

holding company structure. Appendix D 

covers these entities because the OCC 

believes that a covered bank’s parent 

company should devote adequate 

attention to assessing and managing the 

risk associated with these entities’ 

activities. These smaller covered banks 

are affiliates of large banking 

organizations, which should have the 

compliance resources to cover all of 

their bank charters. 

The commenter also indicated that 

the OCC’s annual burden estimate for 

appendix D was excessive, particularly 

for institutions that have less than $10 

billion in total assets and that appendix 

D should be rescinded and revised to 

reduce the excessive costs. As discussed 

above, appendix D applies primarily to 

larger banks. The only covered banks 

that have less than $10 billion in 

average total consolidated assets are 

covered banks because their parent 

companies control another bank with 

average total consolidated assets equal 

to or greater than $50 billion. The OCC 

believes that the burden estimate is 

reasonable and that it is appropriate for 

these banks to devote sufficient 

resources to risk governance and the 

standards necessary to manage and 

control risk-taking activities. The 

burden on these smaller covered banks 

is not excessive because they have the 

resources of a larger affiliate bank to rely 


srobinson on DSKBC5CHB2PROD with NOTICES
Federal Register / Vol. 82, No. 202 / Friday, October 20, 2017 / Notices 48895 

8https://www.occ.gov/publications/publicationsby-type/other-publications-reports/semiannual-riskperspective/semiannual-risk-perspective-spring2017.pdf. 

9See 12 CFR part 21. 

10https://www.occ.treas.gov/publications/ 

publications-by-type/comptrollers-handbook/ 

corporate-risk-governance/pub-ch-corporaterisk.pdf 

on. Also, while the commenter 

recommended that the OCC rescind 

appendix D, the OCC cannot rescind 

regulations or guidelines through the 

PRA renewal process. 

The commenter also stated that the 

collection of information for appendix D 

is unnecessary and of little utility 

because appendix D has been ineffectual 

in fostering enterprise risk governance 

over large complex financial institutions 

since almost seven years after the 

introduction of the OCC’s ‘‘heightened 

expectations’’ and three years after the 

issuance of appendix D, the OCC 

continues to identify enterprise risk 

governance as a key risk facing large 

banks in the OCC’s spring 2017 

Semiannual Risk Perspective.8

However, while appendix D is intended 

to promote enterprise risk governance, 

the OCC recognizes that appendix D 

cannot eliminate the possibility of all 

enterprise risk governance weaknesses. 

The OCC believes that appendix D is a 

valuable mechanism for promoting 

sound enterprise risk governance and 

has observed significant improvement 

in risk governance since the adoption of 

appendix D. However, we also realize 

that risk governance weaknesses may 

remain and can be a risk to the safety 

and soundness of banks. 

The commenter also indicated that 

there is a disconnect between the 

specific risks identified in the OCC’s 

Semiannual Risk Perspectives and the 

‘‘abstract generalized’’ standards in 

appendix D. According to the 

commenter, appendix D does not 

provide standards addressing the 

specific risks identified in the 

Semiannual Risk Perspectives, such as 

cyber security and Bank Secrecy Act 

(BSA) and Anti-Money Laundering risks 

(AML). The standards in appendix D are 

not intended to exhaustively address all 

of the risks facing OCC-regulated banks. 

Indeed, there is a separate appendix to 

12 CFR part 30, appendix B that 

contains standards addressing 

information security. Banks are also 

subject to separate BSA and AML 

requirements.9

The commenter also expressed the 

opinion that the standards in appendix 

D are not actually heightened or more 

robust than the standards the OCC 

applies to many banks with $1 billion 

or more in total assets and that the 

reality is the OCC applies the standards 

in appendix D to many midsize and 

community banks. The commenter 

pointed specifically to the Comptroller’s 

Handbook on Corporate and Risk 

Governance (handbook), suggesting that 

OCC examiners use this handbook for 

all OCC supervised banks.10 Appendix 

D only applies to banks with average 

total consolidated assets equal to or 

greater than $50 billion, banks with 

average total consolidated assets less 

than $50 billion when a bank’s parent 

company controls at least one other 

bank with average total consolidated 

assets equal to or greater than $50 

billion, and banks with average total 

consolidated assets less than $50 billion 

if the OCC determines that a bank’s 

operations are highly complex or 

otherwise present a heightened risk. The 

handbook referenced by the commenter 

specifically notes that only banks with 

average total consolidated assets of $50 

billion or greater (or banks that are 

otherwise included as covered banks in 

appendix D) should adhere to the 

standards in appendix D. The handbook 

includes separate and specific criteria 

for the covered banks subject to 

appendix D. Appendix D contains 

various standards that are not applied to 

smaller banks. For example, appendix D 

specifically provides that at least two 

members of a covered bank’s board of 

directors should qualify as independent 

and provides that boards should 

establish and adhere to a formal, 

ongoing training program. Appendix D 

also imposes specific requirements on 

covered banks’ independent risk 

management that are not applied to all 

OCC-regulated banks, including 

requiring that banks covered by 

appendix D have written risk appetite 

statements that include quantitative 

limits. Additionally, the standards in 

appendix D are legally different than the 

standards contained in the handbook. 

The standards in Appendix D are legally 

enforceable standards adopted pursuant 

to section 39 of the FDIA while the 

handbook is a guidance document. 

Type of Review: Regular review. 

Affected Public: Businesses or other 

for-profit. 

Estimated Number of Respondents: 

34. 

Estimated Burden per Respondent: 

3,776 hours. 

Estimated Total Annual Burden: 

128,384 hours. 

Comments: 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: October 16, 2017. 

Karen Solomon, 

Deputy Chief Counsel, Office of the 

Comptroller of the Currency. 

[FR Doc. 2017–22723 Filed 10–19–17; 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 

Revision; Submission for OMB 

Review; Comptroller’s Licensing 

Manual 

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 take this opportunity to 

comment on an information collection 

revision, as required by the Paperwork 

Reduction Act of 1995 (PRA). 

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 a revision to its information 

collection titled, ‘‘Comptroller’s 

Licensing Manual.’’ The OCC also is 

giving notice that it has sent the 

collection to OMB for review. 

DATES: You should submit written 

comments by November 20, 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 


srobinson on DSKBC5CHB2PROD with NOTICES