48714 Federal Register / Vol. 82, No. 201 / Thursday, October 19, 2017 / Notices 

56See the related Request for Information, 

available at http://files.consumerfinance.gov/f/ 

201601_cfpb_request-for-information-regardinghome-mortgage-disclosure-act-resubmission.pdf. 

57See Compliance Bulletin 2017–01, available at 

https://www.consumerfinance.gov/policycompliance/guidance/implementation-guidance/ 

bulletin-phone-pay-fees/. 

At the same time, the Guidelines 

ensure HMDA data integrity by 

maintaining field error resubmission 

thresholds that safeguard the accuracy 

of each data field, and thus all data, 

reported under HMDA. Furthermore, 

under the Guidelines, examiners may 

direct financial institutions to change 

their policies, procedures, audit 

processes, or other aspects of its 

compliance management system to 

prevent the reoccurrence of errors. 

All Federal HMDA Supervisory 

Agencies Will Use the Same Guidelines 

The Guidelines represent a joint effort 

by the Bureau, the FRB, the OCC, the 

FDIC, and the NCUA to provide—for the 

first time—uniform guidelines across all 

Federal HMDA supervisory agencies. 

This collaboration began with the 

Bureau issuing a Request for 

Information 56 and holding outreach 

meetings in which the other supervisory 

agencies participated. The agencies then 

worked together to develop the 

Guidelines. 

Information about HMDA and other 

data submission resources are located at 

http://www.consumerfinance.gov/adataresearch/hmda/. 

4.3 Examination Procedures 

4.3.1 Updates to the Compliance 

Management Review Examination 

Procedures 

On August 30, 2017, the CFPB 

released revised Compliance 

Management Review examination 

procedures. The procedures were 

updated in order to reflect changes to 

the FFIEC Interagency Consumer 

Compliance Ratings System (CC Ratings 

System), which became effective March 

31, 2017. These procedures do not 

reflect any new or additional 

expectations of institutions regarding 

their CMS, nor do they change the 

examiner’s assessment from that which 

examiners have been conducting in the 

past: They only reorganize the 

procedures to align with the CC Ratings 

System and formalize current CMS 

review processes. 

As revised, the CMS examination 

procedures are divided into five 

Modules: 

D Module 1: Board and Management 

Oversight 

D Module 2: Compliance Program 

D Module 3: Service Provider Oversight 

D Module 4: Violations of Law and 

Consumer Harm 

D Module 5: Examiner Conclusions and 

Wrap-Up 

In general, all CFPB reviews will 

include Modules 1, 2, 3, and 5. Module 

4 will generally be included in targeted 

reviews of individual product lines, as 

well as examinations that will result in 

the institution receiving a consumer 

compliance rating. The CMS review for 

target reviews will generally be limited 

to reviewing aspects of CMS pertaining 

to the product line under review. To the 

extent that CMS for a particular product 

line or a specific institution has been 

previously reviewed, CFPB examiners 

may evaluate CMS by reviewing 

previous conclusions and assessing only 

the changes to the current CMS 

program. 

4.4 Recent CFPB Guidance 

The CFPB is committed to providing 

guidance on its supervisory priorities to 

industry and members of the public. 

4.4.1 Phone Pay Fees Bulletin 

On July 31, 2017, the Bureau released 

Bulletin 2017–01,57 which provides 

guidance to covered persons and service 

providers regarding fee assessments for 

pay-by-phone services. The bulletin 

provides examples of conduct observed 

during supervisory examinations and 

enforcement investigations that may 

violate the Dodd-Frank Act prohibition 

on engaging in UDAAPs, as well as the 

FDCPA. The bulletin clarifies that the 

Bureau is not mandating specific payby-phone disclosure requirements, but 

states that the Bureau expects 

supervised entities to review their 

practices on charging phone pay fees for 

potential risks of violating Federal 

consumer financial laws. To that end, 

the bulletin offers a number of 

suggestions for entities assessing 

whether their practices violate these 

laws and further recommends having in 

place a corrective action program to 

address any violations identified and 

reimburse consumers when appropriate. 

5. Conclusion 

The Bureau recognizes the value of 

communicating its program findings to 

CFPB-supervised entities to help them 

comply with Federal consumer financial 

law, and to other stakeholders to foster 

a better understanding of the CFPB’s 

work. 

To this end, the Bureau remains 

committed to publishing its Supervisory 

Highlights report periodically to share 

information about general supervisory 

and examination findings (without 

identifying specific institutions, except 

in the case of public enforcement 

actions), to communicate operational 

changes to the program, and to provide 

a convenient and easily accessible 

resource for information on the Bureau’s 

guidance documents. 

Dated: September 7, 2017. 

Richard Cordray, 

Director, Bureau of Consumer Financial 

Protection. 

[FR Doc. 2017–22700 Filed 10–18–17; 8:45 am] 

BILLING CODE 4810–AM–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

[Docket ID: DOD–2017–OS–0057] 

Notice of Availability of an 

Environmental Assessment 

Addressing Defense Logistics Agency 

Construction and Operation of a 

Disposition Services Complex at DLA 

Disposition Services Red River, Texas 

AGENCY: Defense Logistics Agency 

(DLA), Department of Defense (DoD). 

ACTION: Notice of availability (NOA). 

SUMMARY: DLA announces the 

availability of an Environmental 

Assessment (EA) documenting the 

potential environmental effects 

associated with the Proposed Action to 

construct and operate a DLA Disposition 

Services Complex at DLA Disposition 

Services Red River, Texas, which is on 

the Red River Army Depot. The EA has 

been prepared as required under the 

National Environmental Policy Act 

(NEPA). 

DATES: The public comment period will 

end on November 20, 2017. 

ADDRESSES: You may submit comments, 

identified by DOD–2017–OS–0057, to 

one of the following: 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

• Mail: Department of Defense, Office 

of the Deputy Chief Management 

Officer, Directorate for Oversight and 

Compliance, Regulatory and Advisory 

Committee Division, 4800 Mark Center 

Drive, Mailbox #24, Suite 08D09B, 

Alexandria, VA 22350–1700. 

FOR FURTHER INFORMATION CONTACT: Ira 

Silverberg at 703–767–0705 during 

normal business hours Monday through 

Friday, from 8:00 a.m. to 4:30 p.m. 

(EDT) or by email: ira.silverberg@

dla.mil. 

SUPPLEMENTARY INFORMATION: The EA 

complies with 32 Code of Federal 


rmajette on DSKBCKNHB2PROD with NOTICES
Federal Register / Vol. 82, No. 201 / Thursday, October 19, 2017 / Notices 48715 

Regulations part 651, Environmental 

Analysis of Army Actions (AR 200–2), 

and DLA’s regulation for NEPA 

compliance, DLA Regulation 1000.22, 

Environmental Considerations in DoD 

Actions. However, because DLA is a 

tenant on Red River Army Depot, a U.S. 

Army-supported installation, this EA is 

subject to compliance with U.S. Army 

implementing regulations for NEPA. 

DLA has determined that the Proposed 

Action would not have a significant 

impact on the human environment 

within the context of NEPA. Therefore, 

the preparation of an environmental 

impact statement is not required. 

Comments received by the end of the 

30-day period will be considered when 

preparing the final version of the 

documents. The EA is available 

electronically at the Federal 

eRulemaking Portal at http://

www.regulations.gov, and in hardcopy 

at the County Clerk’s Office at the Bowie 

County Courthouse, 710 James Bowie 

Drive, New Boston, TX 75570. 

Dated: October 16, 2017. 

Aaron Siegel, 

Alternate OSD Federal Register Liaison 

Officer, Department of Defense. 

[FR Doc. 2017–22668 Filed 10–18–17; 8:45 am] 

BILLING CODE 5001–06–P 

DEPARTMENT OF EDUCATION 

[Docket No.: ED–2017–ICCD–0129] 

Agency Information Collection 

Activities; Comment Request; 

Personal Authentication Service (PAS) 

for FSA ID 

AGENCY: Federal Student Aid (FSA), 

Department of Education (ED). 

ACTION: Notice. 

SUMMARY: In accordance with the 

Paperwork Reduction Act of 1995, ED is 

proposing an extension of an existing 

information collection. 

DATES: Interested persons are invited to 

submit comments on or before 

December 18, 2017. 

ADDRESSES: To access and review all the 

documents related to the information 

collection listed in this notice, please 

use http://www.regulations.gov by 

searching the Docket ID number ED– 

2017–ICCD–0129. Comments submitted 

in response to this notice should be 

submitted electronically through the 

Federal eRulemaking Portal at http://

www.regulations.gov by selecting the 

Docket ID number or via postal mail, 

commercial delivery, or hand delivery. 

Please note that comments submitted by 

fax or email and those submitted after 

the comment period will not be 

accepted. Written requests for 

information or comments submitted by 

postal mail or delivery should be 

addressed to the Director of the 

Information Collection Clearance 

Division, U.S. Department of Education, 

400 Maryland Avenue SW., LBJ, Room 

216–34, Washington, DC 20202–4537. 

FOR FURTHER INFORMATION CONTACT: For 

specific questions related to collection 

activities, please contact Beth 

Grebeldinger, 202–377–4018. 

SUPPLEMENTARY INFORMATION: The 

Department of Education (ED), in 

accordance with the Paperwork 

Reduction Act of 1995 (PRA) (44 U.S.C. 

3506(c)(2)(A)), provides the general 

public and Federal agencies with an 

opportunity to comment on proposed, 

revised, and continuing collections of 

information. This helps the Department 

assess the impact of its information 

collection requirements and minimize 

the public’s reporting burden. It also 

helps the public understand the 

Department’s information collection 

requirements and provide the requested 

data in the desired format. ED is 

soliciting comments on the proposed 

information collection request (ICR) that 

is described below. The Department of 

Education is especially interested in 

public comment addressing the 

following issues: (1) Is this collection 

necessary to the proper functions of the 

Department; (2) will this information be 

processed and used in a timely manner; 

(3) is the estimate of burden accurate; 

(4) how might the Department enhance 

the quality, utility, and clarity of the 

information to be collected; and (5) how 

might the Department minimize the 

burden of this collection on the 

respondents, including through the use 

of information technology. Please note 

that written comments received in 

response to this notice will be 

considered public records. 

Title of Collection: Personal 

Authentication Service (PAS) for FSA 

ID. 

OMB Control Number: 1845–0131. 

Type of Review: An extension of an 

existing information collection. 

Respondents/Affected Public: 

Individuals or Households. 

Total Estimated Number of Annual 

Responses: 55,300,000. 

Total Estimated Number of Annual 

Burden Hours: 14,715,000. 

Abstract: Federal Student Aid (FSA) 

replaced the PIN system with the 

Personal Authentication Service (PAS) 

which will employ an FSA ID, a 

standard user name and password 

solution. In order to create an FSA ID to 

gain access to certain FSA systems 

(FAFSA on the Web, NSLDS, 

StudentLoans.gov, etc.) a user must 

register on-line for an FSA ID account. 

The FSA ID allows the customer to have 

a single identity, even if there is a name 

change or change to other personally 

identifiable information. The 

information collected to create the FSA 

ID enables electronic authentication and 

authorization of users for FSA webbased applications and information and 

protects users from unauthorized access 

to user accounts on all protected FSA 

sites. 

Dated: October 16, 2017. 

Kate Mullan, 

Acting Director, Information Collection 

Clearance Division, Office of the Chief Privacy 

Officer, Office of Management. 

[FR Doc. 2017–22683 Filed 10–18–17; 8:45 am] 

BILLING CODE 4000–01–P 

DEPARTMENT OF ENERGY 

Federal Energy Regulatory 

Commission 

Combined Notice of Filings #1 

Take notice that the Commission 

received the following electric rate 

filings: 

Docket Numbers: ER12–543–003. 

Applicants: Clean Choice Energy, Inc. 

Description: Notification of Change in 

Status of Clean Choice Energy, Inc. 

Filed Date: 10/12/17. 

Accession Number: 20171012–5162. 

Comments Due: 5 p.m. ET 11/2/17. 

Docket Numbers: ER18–68–000. 

Applicants: Natural Gas Exchange Inc. 

Description: Notice of Cancellation of 

Market-Based Rate Tariff of Natural Gas 

Exchange Inc. 

Filed Date: 10/12/17. 

Accession Number: 20171012–5107. 

Comments Due: 5 p.m. ET 11/2/17. 

Docket Numbers: ER18–69–000. 

Applicants: NorthWestern 

Corporation. 

Description: § 205(d) Rate Filing: 

NTTG Attachment K Revisions 

(Interconnection-Wide) to be effective 

12/12/2017. 

Filed Date: 10/12/17. 

Accession Number: 20171012–5136. 

Comments Due: 5 p.m. ET 11/2/17. 

Docket Numbers: ER18–70–000. 

Applicants: Citizens Sunrise 

Transmission LLC. 

Description: § 205(d) Rate Filing: 

Annual TRBAA Filing October 2017 to 

be effective 1/1/2018. 

Filed Date: 10/12/17. 

Accession Number: 20171012–5138. 

Comments Due: 5 p.m. ET 11/2/17. 

Docket Numbers: ER18–71–000. 

Applicants: PJM Interconnection, 

L.L.C. 


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