[Federal Register Volume 84, Number 164 (Friday, August 23, 2019)]
[Notices]
[Pages 44354-44355]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2019-18159]



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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; Guidance Regarding Unauthorized 
Access to Customer Information

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 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 respondents are 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 its 
information collection titled, ``Guidance Regarding Unauthorized Access 
to Customer Information.'' The OCC also is giving notice that it has 
submitted the collection to OMB for review.

DATES: Comments must be submitted on or before September 23, 2019.

ADDRESSES: Commenters are encouraged to submit comments by email, if 
possible. You may submit comments by any of the following methods:
     Email: [email protected].
     Mail: Chief Counsel's Office, Attention: Comment 
Processing, 1557-0227, Office of the Comptroller of the Currency, 400 
7th Street SW, Suite 3E-218, Washington, DC 20219.
     Hand Delivery/Courier: 400 7th Street SW, Suite 3E-218, 
Washington, DC 20219.
     Fax: (571) 465-4326.
    Instructions: You must include ``OCC'' as the agency name and 
``1557-0227'' in your comment. In general, the OCC will publish 
comments on www.reginfo.gov without change, including any business or 
personal information provided, such as name and address information, 
email addresses, or phone numbers. 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, 1557-0227, U.S. Office of Management and Budget, 725 17th 
Street NW, #10235, Washington, DC 20503 or by email to 
[email protected].
    You may review comments and other related materials that pertain to 
this information collection \1\ following the close of the 30-day 
comment period for this notice by any of the following methods:
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    \1\ On April 9, 2019, the OCC published a 60-day notice for this 
information collection, 84 FR 14194.
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     Viewing Comments Electronically: Go to www.reginfo.gov. 
Click on the ``Information Collection Review'' tab. Underneath the 
``Currently under Review'' section heading, from the drop-down menu 
select ``Department of Treasury'' and then click ``submit.'' This 
information collection can be located by searching by OMB control 
number ``1557-0227'' or ``Notice Regarding Unauthorized Access to 
Customer Information.'' Upon finding the appropriate information 
collection, click on the related ``ICR Reference Number.'' On the next 
screen, select ``View Supporting Statement and Other Documents'' and 
then click on the link to any comment listed at the bottom of the 
screen.
     For assistance in navigating www.reginfo.gov, please 
contact the Regulatory Information Service Center at (202) 482-7340.
     Viewing Comments Personally: You may personally inspect 
comments at the OCC, 400 7th Street SW, Washington, DC. 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 government-issued photo 
identification and submit to security screening in order to inspect 
comments.

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, Chief Counsel's Office, 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 et seq.), 
federal agencies must obtain approval from the OMB for each collection 
of information 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. The OCC asks OMB 
to extend its approval of the information collection contained in this 
notice.
    Title: Guidance Regarding Unauthorized Access to Customer 
Information.
    OMB Control No.: 1557-0227.
    Description: Section 501(b) of the Gramm-Leach-Bliley Act (15 
U.S.C. 6801(b)) requires the OCC to establish appropriate standards for 
national banks relating to administrative, technical, and physical 
safeguards: (1) To insure the security and confidentiality of customer 
records and information; (2) to protect against any anticipated threats 
or hazards to the security or integrity of such records; and (3) to 
protect against unauthorized access to, or use of, such records or 
information that could result in substantial harm or inconvenience to 
any customer.
    The Interagency Guidelines Establishing Information Security 
Standards, 12 CFR part 30, appendix B (Security Guidelines), which 
implement section 501(b), require each entity supervised by the OCC 
(supervised institution) to consider and adopt a response program, as 
appropriate, that specifies actions to be taken when the supervised 
institution suspects or detects that unauthorized individuals have 
gained access to customer information systems.
    The Interagency Guidance on Response Programs for Unauthorized 
Customer Information and Customer Notice (Breach Notice Guidance),\2\ 
which interprets the Security Guidelines, states that, at a minimum, a 
supervised institution's response program should contain procedures 
for:
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    \2\ 12 CFR part 30, appendix B, supplement A.
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    (1) Assessing the nature and scope of an incident, and identifying 
what customer information systems and types of customer information 
have been accessed or misused;
    (2) Notifying its primary federal regulator as soon as possible 
when the supervised institution becomes aware of an incident involving 
unauthorized access to, or use of, sensitive customer information;
    (3) Taking appropriate steps to contain and control the incident in 
an effort to prevent further unauthorized access to, or use of, 
customer information, for example, by monitoring, freezing, or closing 
affected accounts, while preserving records and other evidence; and
    (4) Notifying customers when warranted.
    The Breach Notice Guidance states that, when a financial 
institution

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becomes aware of an incident of unauthorized access to sensitive 
customer information, the institution should conduct a reasonable 
investigation to determine the likelihood that the information has been 
misused. If the institution determines that the misuse of its 
information about a customer has occurred or is reasonably possible, it 
should notify the affected customer as soon as possible.
    Type of Review: Regular.
    Affected Public: Businesses or other for-profit.
    Estimated Number of Respondents: 20.
    Total Estimated Annual Burden: 720 hours.
    Frequency of Response: On occasion.
    On April 9, 2019, the OCC issued a notice for 60 days of comment 
concerning this collection, 84 FR 14194. 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: August 19, 2019.
Theodore J. Dowd,
Deputy Chief Counsel, Office of the Comptroller of the Currency.
[FR Doc. 2019-18159 Filed 8-22-19; 8:45 am]
BILLING CODE 4810-33-P