[Federal Register Volume 76, Number 153 (Tuesday, August 9, 2011)]
[Notices]
[Pages 48942-48943]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2011-19784]


=======================================================================
-----------------------------------------------------------------------

DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency


Agency Information Collection Activities: Submission for OMB 
Review; Comment Request

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. 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 OMB control number. The OCC is soliciting comment 
concerning its information collection titled, ``Fair Housing Home Loan 
Data System Regulation.'' The OCC is also giving notice that it has 
sent the collection to OMB for approval.

DATES: You should submit your comments by September 8, 2011.

ADDRESSES: You should direct all written comments to: Communications 
Division, Office of the Comptroller of the Currency, Mailstop 2-3, 
Attention: 1557-0159, 250 E Street, SW., Washington, DC 20219. In 
addition, comments may be sent by fax to (202) 874-5274, or by 
electronic mail to [email protected]. You can inspect and 
photocopy the comments at the OCC, 250 E Street, SW., Washington, DC 
20219. You can make an appointment to inspect the comments by calling 
(202) 874-4700. For security reasons, the OCC requires that visitors 
make an appointment to inspect comments. You may do so by calling (202) 
874-5043. Upon arrival, visitors will be required to present valid 
government-issued photo identification and to submit to security 
screening in order to inspect and photocopy comments.
    Additionally, please send a copy of your comments to OCC Desk 
Officer, 1557-0159, by mail to U.S. Office of Management and Budget, 
725 17th Street, NW., 10235, Washington, DC 20503, or by fax 
to (202) 395-6974.

FOR FURTHER INFORMATION CONTACT: You can request additional information 
from Ira Mills or Mary H. Gottlieb, OCC Clearance Officers, (202) 874-
5090, Legislative and Regulatory Activities Division, Office of the 
Comptroller of the Currency, 250 E Street, SW., Washington, DC 20219.

SUPPLEMENTARY INFORMATION: The OCC is proposing to revise the following 
information collection:
    Title: Fair Housing Home Loan Data System Regulation.
    OMB Control No.: 1557-0159.
    Description: The Fair Housing Act (42 U.S.C. 3605) prohibits 
discrimination in the financing of housing on the basis of race, color, 
religion, sex, or national origin. The Equal Credit Opportunity Act (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. The OCC 
is responsible for ensuring that national banks comply with those laws. 
This information in collection 12 CFR part 27 is needed to promote 
national bank compliance and for OCC to fulfill its statutory 
responsibilities.
    The information collection requirements in 12 CFR part 27 are as 
follows:
     Section 27.3(a) requires national banks that are required 
to collect data on home loans under 12 CFR part 203 to present the data 
on Federal Reserve Form FR HMDA-LAR,\1\ or in automated format in 
accordance with the HMDA-LAR instructions, and to include one

[[Page 48943]]

additional item (the reason for denial) on the HMDA-LAR. Section 
27.3(a) also lists exceptions to the HMDA-LAR recordkeeping 
requirements.
---------------------------------------------------------------------------

    \1\ Loan Application Register, http://www.ffiec.gov/hmda/doc/hmdalar2007.doc.
---------------------------------------------------------------------------

     Section 27.3(b) lists the information banks should obtain 
from an applicant as part of a home loan application, and states 
information that a bank must disclose to an applicant.
     Section 27.3(c) sets forth additional information required 
to be kept in the loan file.
     Section 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 27.5 requires a national bank to maintain the 
information required by Sec.  27.3 for 25 months after the bank 
notifies the applicant of action taken on an application, or after 
withdrawal of an application.
     Section 27.7 requires a national bank to submit the 
information required by Sec. Sec.  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.
    Type of Review: Regular.
    Affected Public: Businesses or other for-profit.
    Estimated Number of Respondents: 625.
    Estimated Total Annual Responses: 625.
    Estimated Frequency of Response: On occasion.
    Estimated Time Per Respondent: 5 hours.
    Estimated Total Annual Burden: 3,125 hours.
    The OCC issued a Federal Register notice for 60 days of comment. 76 
FR 21798. 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: July 29, 2011.
Michele Meyer,
Assistant Director, Legislative and Regulatory Activities Division.
[FR Doc. 2011-19784 Filed 8-8-11; 8:45 am]
BILLING CODE 4810-33-P