[Federal Register Volume 78, Number 169 (Friday, August 30, 2013)]
[Notices]
[Pages 53785-53789]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2013-20949]


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NATIONAL CREDIT UNION ADMINISTRATION


Agency Information Collection Activities: Submission to OMB for 
Reinstatement, With Change, of a Previously Approved Collection

AGENCY: National Credit Union Administration (NCUA).

ACTION: Notice and request for comments.

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SUMMARY: The NCUA, as part of their continuing effort to reduce 
paperwork and respondent burden, invite the general public and other 
Federal agencies to take this opportunity to comment on information 
collections, as required by the Paperwork Reduction Act of 1995. NCUA 
is soliciting comments concerning the Suspicious Activity Report (SAR). 
As Bank Secrecy Act (BSA) administrator, the Financial Crimes 
Enforcement Network (FinCEN) transitioned from a system originally 
designed for collecting industry specific paper forms to a modernized 
information technology environment centered on electronic reporting. 
Based on financial institution type, depository institutions, broker-
dealers in securities, futures commission merchants and introducing 
brokers in commodities, insurance companies, mutual funds, money 
services businesses, and casinos currently filed reports on four 
separate forms. FinCEN's objective is to have one electronically-filed 
dynamic and interactive BSA-SAR that will be used by all filing 
institutions to report suspicious activity as of April 1, 2013.
    There are no proposed changes to the regulatory reporting criteria 
for information collection. Federally insured credit unions will 
continue to follow the regulation, interagency guidance, and filing 
instructions to determine when a report should be filed and what 
information should be included on the report.

DATES: Written comments should be received on or before September 30, 
2013.

ADDRESSES: Interested parties are invited to submit written comments to 
the NCUA Contact and the OMB Reviewer listed below:
    NCUA Contact: Tracy Crews, National Credit Union Administration, 
1775 Duke Street, Alexandria, Virginia 22314-3428, Fax No. 703-837-
2861, Email: [email protected].
    OMB Contact: Office of Management and Budget, ATTN: Desk Officer 
for the National Credit Union Administration, Office of Information and 
Regulatory Affairs, Washington, DC 20503.

FOR FURTHER INFORMATION CONTACT: Requests for additional information, a 
copy of the collection, or a copy of submitted comments should be 
directed to Tracy Crews at the National Credit Union Administration, 
1775 Duke Street, Alexandria, VA 22314-3428, or at (703) 518-6444.

SUPPLEMENTARY INFORMATION: The interactive BSA-SAR includes several new 
data fields and introduces data fields from the SARs of other 
industries. On March 29, 2012, FinCEN released guidance \1\ titled, 
``Filing FinCEN's new Currency Transaction Report and Suspicious 
Activity Report''. This guidance clarified expectations and notes that 
FinCEN is making available additional and more specific data elements 
(i.e., characterizations of suspicious activity and types of financial 
services) as a more efficient way to bring information about suspicious 
activity to the attention of FinCEN and law enforcement. The guidance 
clarified the addition of new and expanded data elements; however, the 
guidance does not create an expectation that financial institutions 
will revise internal programs, or develop new programs, to capture

[[Page 53786]]

information that reflects the expanded lists.
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    \1\ http://www.fincen.gov/statutes_regs/guidance/pdf/FIN-2012-G002.pdf.
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    Additional information about the paperwork burden associated with 
these requirements, including statutory and regulatory history, a 
description of the reporting requirements, and how the estimated total 
annual burden was calculated, is discussed below.

Background and Justification

    Since 1996, the federal banking agencies \2\ and FinCEN have 
required certain types of financial institutions to report known or 
suspected violations of law and suspicious transactions. To fulfill 
these requirements, supervised credit unions file a SARs.\3\ Law 
enforcement agencies use the information submitted on the reporting 
form to initiate investigations and NCUA staff use the information in 
the examination and oversight of supervised institutions.
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    \2\ The Board of Governors of the Federal Reserve System, the 
Office of the Comptroller of the Currency, the Federal Deposit 
Insurance Corporation, and the National Credit Union Administration.
    \3\ In 1996, the NCUA, together with the other federal banking 
agencies issued nearly identical regulations to implement the SAR 
process for banking organizations.
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    The NCUA's suspicious activity reporting rules apply to all 
federally insured credit unions. The NCUA is only responsible for the 
paperwork burden imposed on these institutions. Other federal banking 
agencies account for the paperwork burden for the institutions they 
supervise. The annual burden per respondent varies depending on the 
nature of the activity being reported.
    The suspicious activity report filing requirement became effective 
on April 1, 1996. Prior to the effective date, the NCUA, the other 
federal banking agencies, and FinCEN each issued new and nearly 
identical rules mandating the use of the interagency Suspicious 
Activity Report by Depository Institutions (SAR-DI) for the reporting 
of suspicious activities. In separate actions, FinCEN also enacted 
regulations requiring other types of financial institutions, such as 
brokers or dealers in securities and futures; money services businesses 
(money transmitters; issuers and sellers of money orders and travelers' 
checks; check cashers, and dealers in foreign exchange); casinos and 
card clubs; and insurance companies to file reports on suspicious 
activities.
    In January 2003, check boxes were added to Part III of the SAR-DI 
to note terrorist financing and identity theft as suspicious activities 
and the safe harbor language in the instructions was updated to reflect 
changes made by the Uniting and Strengthening America by Providing 
Appropriate Tools Required to Intercept and Obstruct Terrorism (USA 
PATRIOT) Act of 2001. In 2006, the SAR-DI form was revised to support a 
new joint filing initiative aimed at reducing the total number of 
duplicate reports filed for a single suspicious transaction. On May 1, 
2007, FinCEN published a Federal Register notice (72 FR 23891) \4\ 
announcing the delayed implementation of these revisions, which 
ultimately were never implemented.
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    \4\ http://www.fincen.gov/statutes_regs/frn/pdf/sar_fr_notice.pdf
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    On July 15, 2011, FinCEN received final approval of the BSA-SAR \5\ 
from the Office of Management and Budget which concluded FinCEN's 
October 15, 2010, request for comment.
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    \5\ http://www.reginfo.gov/public/do/PRAViewICR?ref_nbr=201104-1506-002
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Description of Information Collection

    Federally insured credit unions follow the SAR instructions to 
determine when a SAR should be filed and what information should be 
included on the SAR.

Proposed Revisions

    The BSA-SAR would integrate four institution specific SARs into one 
universal data collection. The previous five parts of the SAR-DI remain 
with changes to their titles and placement in order of completion.
    The proposed BSA-SAR is described below by form Part. Fields from 
other industry SARs that may be new to depository institutions as well 
as specific data fields that are new to all types of industry filers 
have been identified. In the description provided below, questions for 
which an answer must be provided (referred to as ``critical fields'') 
are identified with the * symbol in front of the data element number.

Type of Filing

    Field 1 is the Type of Filing and it would require the filer to 
designate the category that best describes the filing from the choices 
of:

* 1. Check all that apply--a. Initial report; b. Correct/amend prior 
report; c. Continuing activity report; d. Joint report; e. Prior report 
document control/file number if 1b or 1c are checked

    On the current SAR-DI there is only one choice in data field 1 for 
those reports that corrected a prior report.

Part I: Subject Information

    Part I is titled Subject Information and would require the filer to 
provide information for each subject involved in the suspicious 
activity. Subject Information is titled Suspect Information on the 
current SAR-DI. As with the existing SAR-DI, multiple subjects may be 
included in Part I.
    Each of the critical fields (*) in this Part have a new check box 
that may be used if the information is unknown. If that box is checked, 
the filer would not need to enter any information in that field.
    In Part I, with the exception of the unknown check box, these data 
fields would remain the same with no additions or changes from the SAR-
DI:

* 3.Individual's last name or entity's legal name--a. (check if) 
unknown
* 4. First name--a. (check if) unknown
    5. Middle initial (middle name for electronic filers)
    7. Occupation or type of business
    * 8. Address--a. (check if) unknown
    * 9. City--a. (check if) unknown
    * 10. State--a. (check if) unknown
    * 11. ZIP/Postal Code--a. (check if)
    * 12. Country Code--a. (check if) unknown
    * 13. TIN--a. (check if) unknown
    * 16. Date of birth mm/dd/yyyy--a. (check if) unknown

    Listed below are the remaining data fields in Part I that would be 
considered new data fields or data fields that would be modified.

2. Check--a. If entity; b. If all critical (*) subject information is 
unavailable (If 2b is checked this Part may be left blank)
5a. Gender--b. (Check if) Male; c. (Check if) Female; d. (Check if) 
Unknown
6. Alternate name, e.g. AKA for an Individual or DBA for an Entity
7a. NAICS Code (North American Industry Classification system code that 
corresponds to 7)
14. TIN type (* if 13 is completed)--a. EIN; b. SSN-ITIN; c. Foreign
* 15. Form of identification for subject--a. (check if) unknown (or not 
obtained); b. (check if) Driver's license/state ID; c. (check if) 
Passport; d. (check if) Alien registration; e. Number; f. Issuing 
state; g. Issuing country; z. (check if) Other
17. Phone number type--a. (check if) Home; b. (check if) Work; c. 
(check if) Mobile; d. (check if) Fax
18. Phone number--a. Extension (if any)
19. Email address (if available)
19a. Web site (URL) address (if available)
20. Corroborative statement to filer?--a. (check if) Yes; b. (check if) 
No (This

[[Page 53787]]

was Admission/Confession on the SAR-DI)
21. Relationship of the subject to the filing institution (check all 
that apply)--a. Institution TIN; b. Accountant; c. Agent; d. Appraiser; 
e. Attorney; f. Borrower; g. Customer; h. Director; i. Employee; j. No 
relationship to institution; k. Officer; l. Owner or Controlling 
Shareholder; z. Other
22. If item 21h, 21i, 21j, or 21k is checked, indicate status of 
relationship--a. (check if) Relationship continues; b. (check if) 
Terminated; c. (check if) Suspended/barred; d. (check if) Resigned
23. Action date if 22 b, c, or d is checked
* 24. Financial Institution EIN and account number(s) affected that are 
related to subject, if any--a. (check if) No known account involved; b. 
(check if) Non-US Financial Institution; c. TIN; d. account number; e. 
(check if) closed;
25. Subject's role in suspicious activity (if applicable); a. (check 
if) Purchaser/Sender; b. (check if) Payee/Receiver; c. (check if) Both 
a & b

Part II--Suspicious Activity Information

    Part II, Suspicious Activity Information, would require the filer 
to describe the suspicious activity that occurred.
    Part II items would cover all filer institution types so all filers 
would see field options that may not pertain to their report (such as 
casino activities). Filers would only be required to complete those 
items that apply to their institution and pertain to the report being 
filed.
    In Part II, with the exception of the unknown check box, these data 
fields would remain the same as the current SAR-DI:

* 27. Date or date range of suspicious activity for this report--a. 
From: mm/dd/yyyy; b. To: mm/dd/yyyy

    The remaining data fields in this Part, specifically the 
characterizations of suspicious activity, would be modified and 
expanded when compared to the current SAR-DI. There are now ten general 
categories and each category would be further broken down to specific 
types of suspicious activity.

* 26. Amount involved in this report--a. (check if) Amount unknown; b. 
(check if) No amount involved.
28. Cumulative amount only if box 1c (continuing activity report) is 
checked
29. Structuring--a. Alters transaction to avoid BSA recordkeeping 
requirement; b. Alters transactions to avoid CTR requirement; c. 
Customer cancels transaction to avoid BSA reporting and recordkeeping 
requirements; d. Multiple transactions below BSA recordkeeping 
threshold; e. Multiple transactions below CTR threshold; f. Suspicious 
inquiry by customer regarding BSA reporting or recordkeeping 
requirements; z. Other (specify type of suspicious activity in space 
provided)
30. Terrorist Financing--a. Known or suspected terrorist/terrorist 
organization; z. Other (specify type of suspicious activity in space 
provided)
31. Fraud (Type)--a. ACH; b. Business loan; c. Check; d. Consumer loan; 
e. Credit/Debit card; f. Healthcare; g. Mail; h. Mass-marketing; i. 
Pyramid scheme; j. Wire; z. Other (specify type of suspicious activity 
in space provided)
32. Casinos--a. Inquiry about end of business day; b. Minimal gaming 
with large transactions; c. Suspicious intra-casino funds transfers; d. 
Suspicious use of counter checks or markers; z. Other (specify type of 
suspicious activity in space provided)
33. Money laundering--a. Exchanges small bills for large bills or vice 
versa; b. Suspicion concerning the physical condition of funds; c. 
Suspicion concerning the source of funds; d. Suspicious designation of 
beneficiaries, assignees or joint owners; e. Suspicious EFT/wire 
transfers; f. Suspicious exchange of currencies; g. Suspicious receipt 
of government payments/benefits; h. Suspicious use of multiple 
accounts; i. Suspicious use of noncash monetary instruments; j. 
Suspicious use of third-party transactors (straw-man); k. Trade Based 
Money Laundering/Black Market Peso Exchange; l. Transaction out of 
pattern for customer(s); z. Other (specify type of suspicious activity 
in space provided)
34. Identification/Documentation--a. Changes spelling or arrangement of 
name; b. Multiple individuals with same or similar identities; c. 
Provided questionable or false documentation; d. Refused or avoided 
request for documentation; e. Single individual with multiple 
identities; z. Other
35. Other suspicious activities--a. Account takeover; b. Bribery or 
gratuity; c. Counterfeit instruments; d. Elder financial exploitation; 
e. Embezzlement/theft/disappearance of funds; f. Forgeries; g. Identity 
theft; h. Little or no concern for product performance penalties, fees, 
or tax consequences; i. Misuse of ``free look''/cooling off/right of 
rescission; j. Misuse of position or self-dealing; k. Suspected public/
private corruption (domestic); l. Suspected public/private corruption 
(foreign); m. suspicious use of informal value transfer system; n. 
Suspicious use of multiple transaction locations; o. Transaction with 
no apparent economic, business, or lawful purpose; p. Two or more 
individuals working together; q. Unauthorized electronic intrusion; r. 
Unlicensed or unregistered MSB; z. Other (specify type of suspicious 
activity in space provided)
36. Insurance--a. Excessive insurance; b. Excessive or unusual cash 
borrowing against policy/annuity; c. Proceeds sent to or received 
unrelated third party; d. Suspicious life settlement sales insurance 
(e.g. STOLI's, Viaticals); e. Suspicious termination of policy or 
contract; f. Unclear or no insurable interest; z. Other (specify type 
of suspicious activity in space provided)
37. Securities/Futures/Options--a. Insider trading; b. Market 
manipulation/wash trading; c. Misappropriation; d. Unauthorized 
pooling; z. Other (specify type of suspicious activity in space 
provided)
38. Mortgage fraud--a. Appraisal fraud; b. Foreclosure fraud; c. Loan 
modification fraud; d. Reverse mortgage fraud; z. Other
39. Were any of the following instrument/product type(s) involved in 
the suspicious activity? Check all that apply: a. Bonds/Notes; b. 
Commercial mortgage; c. Commercial paper; d. Credit card; e. Debit 
card; f. Forex transactions; g. Futures/Options on futures; h. Hedge 
fund; i. Home equity loan; j. Home equity line of credit; k. Insurance/
Annuity products; l. Mutual fund; m. Options on securities; n. Penny 
stocks/Microcap securities; o. Prepaid access; p. Residential mortgage; 
q. Security futures products; r. Stocks; s. Swap, hybrid or other 
derivative; z. Other (specify type in space provided)
40. Were any of the following instrument type(s)/payment mechanism(s) 
involved in the suspicious activity? Check all that apply--a. Bank/
Cashier's check; b. Foreign currency; c. Funds transfer; d. Gaming 
instruments; e. Government payment; f. Money orders; g. Personal/
Business check; h. Travelers check; i. U.S. Currency; z. Other (specify 
type in space provided)
41. Commodity type (if applicable)
42. Product/Instrument description (if needed)
43. Market where traded (list of codes will be provided--dropdown menu 
for electronic filers)
44. IP Address (if available) (multiple entries allowed for electronic 
filers)

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45. CUSIP number (multiple entries allowed for electronic filers)
46. CUSIP number (multiple entries allowed for electronic filers)

Part III--Information About Financial Institution Where Activity 
Occurred

Part III information would be about the financial institution(s) where 
the suspicious activity occurred. A separate Part III record would be 
completed on each financial institution involved in the suspicious 
activity. The data fields in Part III would be modified and expanded 
when compared to the current SAR-DI.

* 47. Type of financial institution (check only one)--a. Casino/Card 
club; b. Depository institution; c. Insurance company; d. MSB; e. 
Securities/Futures; z. Other (specify type of institution in space 
provided)
* 48. Primary Federal Regulator--A = Commodities Futures Trading 
Commission (CFTC); B = Federal Reserve Board (FRB); C = Federal Deposit 
Insurance Corporation (FDIC); D = Internal Revenue Service (IRS); E = 
National Credit Union Administration (NCUA); F = Office of the 
Comptroller of the Currency (OCC); G = Securities and Exchange 
Commission (SEC); Z = Not Applicable
49. If item 47a is check indicate type (Check only one)--a. State 
licensed casino; b. Tribal authorized casino; c. Card club; d. Other 
(specify)
50. If item 47e is checked, indicate type of Securities and Futures 
institution or individual where activity occurred--check box(es) for 
functions that apply to this report--a. Clearing broker-securities; b. 
Futures Commission Merchant; c. Holding company; d. Introducing broker-
commodities; e. Introducing broker-securities; f. Investment Advisor; 
g. Investment company; h. Retail foreign exchange dealer; i. Subsidiary 
of financial/bank holding company; z. Other (specify type of 
institution or individual in space provided)
51. Financial institution identification number (Check one box to 
indicate type)--a. (check if) CRD number; b. (check if) IARD number; c. 
(check if) NFA number; d. (check if) RSSD number; e. (check if) SEC 
number; f. Identification number
52. Financial institution's role in transaction (if applicable)--a. 
(check if) Selling location; b. (check if) Paying location; (check if) 
Both a & b
* 53. Legal name of financial institution--a. (check if) unknown
54. Alternate name, e.g., AKA--individual or trade name, DBA--entity
* 55. TIN--a. (check if) unknown
56. TIN type (* if 55 is completed)--a. EIN; b. SSN-ITIN; c. Foreign
* 57. Address--a. (check if) unknown
* 58. City--a. (check if) unknown
59. State
* 60 ZIP/Postal Code--a. (check if) unknown
* 61. Country
62. Internal control/file number
63. Loss to financial institution (if applicable)
64. Branch's role in transaction (if applicable)--a. (check if) Selling 
location; b. (check if) Paying location; c. (check if) Both a & b
* 65. Address of branch or office where activity occurred--a. (if no 
branch activity involved, check box a)
66. RSSD number (of the branch)
67. City
68. State
69. ZIP/Postal Code
70. Country (2 letter code--list provided)

Part IV--Filing Institution Contact Information

Part IV information would be about the lead financial institution or 
holding company that is filing the BSA-SAR. There would be only one 
Part IV record for each filing. Part IV would take fields previously 
contained in Part I, Part III, and Part IV on the SAR-DI as well as 
added new fields.

* 78. Primary Federal Regulator--A = Commodities Futures Trading 
Commission (CFTC); B = Federal Reserve Board (FRB); C = Federal Deposit 
Insurance Corporation (FDIC); D = Internal Revenue Service (IRS); E = 
National Credit Union Administration (NCUA); F = Office of the 
Comptroller of the Currency (OCC); G = Securities and Exchange 
Commission (SEC); Z = Not Applicable
* 79. Filer name (Holding company, lead financial institution)
* 80. TIN
* 81. TIN type--a. EIN; b. SSN/ITIN; c. Foreign
* 82. Type of financial institution (check only one)--a. Casino/Card 
club; b. Depository institution; c. Insurance company; d. MSB; e. 
Securities/Futures; z. Other (specify type of institution in space 
provided)
83. Type of Securities and Futures institution or individual filing 
this report-check box(es) for function that apply to this report--a. 
Clearing broker--securities; b. CPO/CTA; c. Futures Commission 
Merchant; d. Holding company; e. Introducing broker--commodities; f. 
Introducing broker--securities; g. Investment Adviser; h. Investment 
company; i. Retail foreign exchange dealer; j. SRO Futures; k. SRO 
Securities; l. Subsidiary of financial/bank holding company; z. Other 
(specify type of institution or individual in space provided)
84. Filing institution identification number (Check one box to indicate 
type)--a. (check if) CRD number; b. (check if) IARD number; c. (check 
if) NFA number; d. (check if) RSSD number; e. (check if) SEC number; f. 
Identification number
* 85. Address
* 86. City
87. State
* 88. ZIP/Postal Code
* 89. Country
90. Alternate name, e.g., AKA--individual or trade name, DBA--entity
91. Internal control/file number
92. LE contact agency
93. LE contact name
94. LE contact phone number--a. Extension (if any)
95. LE contact date
* 96. Designated contact office
* 97. Designated contact office phone number including area code--a. 
Extension (if any)
* 98. Date filed

Part V--Suspicious Activity Information Explanation/Description

    Part V would require the filer to provide a chronological and 
complete narrative account of the activity, including what is unusual, 
irregular, or suspicious about the activity. In the BSA-SAR this part 
would be a text file that is limited to 17,000 characters 
(approximately six pages). Institutions may, but are not required to, 
attach a MS Excel-compatible file (no larger than 1 MB) providing 
details in tabular form of transactions subject to the suspicious 
activity discussed in the text file.

Consultation Outside the Agency

    As set forth above, the SAR was originally developed in 1996 by an 
interagency group that consisted of the federal banking agencies, the 
U.S. Departments of Justice and Treasury, and several law enforcement 
agencies. The general framework of the BSA-SAR report and revisions to 
the BSA-SAR data elements have been discussed on an interagency basis.

Estimate of Respondent Burden

    The burden per institution varies depending on the nature of the 
activity being reported. Because of these changes to the BSA-SAR, the 
estimated

[[Page 53789]]

average burden would increase to 2 hours per response. Between January 
1, 2012, and December 31, 2012, federally insured credit unions filed 
67,537 \6\ SARs. Based on this data the annual reporting burden for the 
federally insured credit unions is estimated to be 135,074 hours with 
the proposed revisions.
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    \6\ The SAR Activity Review--By the Numbers; Issue 18.
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    Title: Suspicious Activity Report by Depository Institutions (SAR).
    OMB Control Numbers: 3133-0094.
    Form Numbers: 2362.
    Abstract: In 1985, the Banking Supervisory Agencies issued 
procedures to be used by banks and certain other financial institutions 
operating in the United States to report known or suspected criminal 
activities to the appropriate law enforcement and Banking Supervisory 
Agencies. Beginning in 1994, the Banking Supervisory Agencies and 
FinCEN redesigned the reporting process resulting in the Suspicious 
Activity Report, which became effective in April 1996. The report is 
authorized by 12 CFR 748.1 (NCUA). The regulation was issued under the 
authority contained in Section 1789(a) (NCUA).
    Current Action: NCUA proposes to renew, with revision, the 
previously approved form.
    Type of Review: Reinstatement of a previously approved collection.
    Affected Public: Business, for-profit institutions, and non-profit 
institutions.
    Estimated Number of Respondents: 6,753.
    Estimated Total Annual Responses: 67,537.
    Estimated Total Annual Burden: at an estimated 2 hours per form, 
Total Annual Burden: 135,074 hours.
    Records required to be retained under the Bank Secrecy Act and 
these regulations issued by the Banking Supervisory Agencies must be 
retained for five years. Generally, information collected pursuant to 
the Bank Secrecy Act is confidential, but may be shared as provided by 
law with regulatory and law enforcement authorities.
    Request for Comments: Comments submitted in response to this notice 
will be summarized and/or included in the request for Office of 
Management and Budget approval. All comments will become a matter of 
public record. Comments are invited on: (a) Whether the 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 of the 
collection of information; (c) ways to enhance the quality, utility, 
and clarity of the information to be collected; (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, and (e) estimates of capital or start-up costs 
and costs of operation, maintenance, and purchase of services to 
provide information.

    By the National Credit Union Administration Board on August 22, 
2013.
Gerard Poliquin,
Secretary of the Board.
[FR Doc. 2013-20949 Filed 8-29-13; 8:45 am]
BILLING CODE 7535-01-P