[Federal Register Volume 79, Number 19 (Wednesday, January 29, 2014)]
[Notices]
[Pages 4812-4813]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2014-01365]


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DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency


Agency Information Collection Activities: Information Collection 
Renewal; Submission for OMB Review; Record and Disclosure Requirements

AGENCY: Office of the Comptroller of the Currency (OCC), Treasury.

ACTION: Notice and request for comment.

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SUMMARY: The OCC, as part of its continuing effort to reduce paperwork 
and respondent burden, invites the general public and other Federal 
agencies to comment on the renewal of an information collection, 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 the renewal of an 
information collection titled, ``Record and Disclosure Requirements--
Consumer Financial Protection Bureau Regulations B, C, E, M, Z, and DD 
and Board of Governors of the Federal Reserve System Regulation CC.'' 
The OCC is also giving notice that it is sending the collection to OMB 
for review.

DATES: Comments must be submitted on or before February 28, 2014.

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: 1557-0176, 400 7th Street SW., Suite 3E-218, Mail Stop 9W-
11, Washington, DC 20219. In addition, comments may be sent by fax to 
(571) 465-4326 or by electronic mail to [email protected]. 
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. 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.
    All comments received, including attachments and other supporting 
materials, are part of the public record and subject to public 
disclosure. Do not enclose 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, 1557-0176, U.S. Office of Management and Budget, 725 17th 
Street NW., 10235, Washington, DC 20503, or by email to: 
[email protected].

FOR FURTHER INFORMATION CONTACT: You may request additional information 
or a copy of the collection and supporting documentation submitted to 
OMB by contacting: Johnny Vilela or Mary H. Gottlieb, OCC Clearance 
Officers, (202) 649-5490, Legislative and Regulatory Activities 
Division, Office of the Comptroller of the Currency, 400 7th Street 
SW., 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 they conduct or sponsor. The OCC is seeking renewal from 
OMB of the following collection:
    Title: Record and Disclosure Requirements--Consumer Financial 
Protection Bureau (CFPB) Regulations B, C, E, M, Z, and DD and Board of 
Governors of the Federal Reserve System (FRB) Regulation CC.
    OMB Control No.: 1557-0176.
    Type of Review: Regular review.
    Abstract: This information collection covers CFPB Regulations B, C, 
E, M, Z, and DD and FRB Regulation CC. The CFPB and FRB Regulations 
include the following provisions:

Reg B-12 CFR 1002--Equal Credit Opportunity

    This regulation prohibits lenders from discriminating against 
credit applicants, establishes guidelines for gathering and evaluating 
information about personal characteristics in applications for certain 
dwelling-related loans, requires lenders to provide applicants with 
copies of appraisal reports in connection with credit transactions, and 
requires written notification of action taken on a credit application.

[[Page 4813]]

Reg C-12 CFR 1003--Home Mortgage Disclosure

    This regulation requires certain mortgage lenders to report certain 
home loan application information and to disclose certain data 
regarding their home mortgage lending.

Reg E-12 CFR 1005--Electronic Fund Transfers

    This regulation establishes the rights, liabilities, and 
responsibilities of parties in electronic fund transfers and offers 
protections to consumers when they use such systems.

Reg M-12 CFR 1013--Consumer Leasing

    This regulation implements the consumer leasing provisions of the 
Truth in Lending Act by requiring meaningful disclosure of leasing 
terms.

Reg Z-12 CFR 1026--Truth in Lending

    This regulation prescribes uniform methods for computing the cost 
of credit, disclosing credit terms and costs, and resolving errors on 
certain types of credit accounts.

Reg CC-12 CFR 1029--Availability of Funds and Collection of Checks

    This regulation establishes timeframes to govern the availability 
of funds deposited in checking accounts, rules to govern the collection 
and return of checks, and general provisions to govern the use of 
substitute checks.

Reg DD-12 CFR 1030--Truth in Savings

    This regulation requires depository institutions to provide 
disclosures sufficient to enable consumers to make informed comparisons 
about accounts at depository institutions.
    Affected Public: Businesses or other for-profit.
    Burden Estimates:
    Estimated Number of Respondents: 1,700.
    Estimated Annual Burden: 4,756,910 hours.
    Frequency of Response: On occasion.
    Comments: This collection was published for 60 days of comment on 
November 13, 2013 (78 FR 68150). 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 information 
collection burden;
    (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: January 17, 2014.
Stuart E. Feldstein,
Director, Legislative and Regulatory Activities Division.
[FR Doc. 2014-01365 Filed 1-28-14; 8:45 am]
BILLING CODE 4810-33-P