60-day Federal Register Notice

Federal Register / Vol. 78, No. 53 / Tuesday, March 19, 2013 / Notices
FEDERAL DEPOSIT INSURANCE
CORPORATION
Agency Information Collection
Activities: Proposed Collection
Renewal; Comment Request
Federal Deposit Insurance
Corporation (FDIC).
ACTION: Notice and request for comment.
AGENCY:

The FDIC, 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 the renewal of an existing
information collection, as required by
the Paperwork Reduction Act of 1995
(44 U.S.C. chapter 35). Currently, the
FDIC is soliciting comment on renewal
of the information collection described
below.
DATES: Comments must be submitted on
or before May 20, 2013.
ADDRESSES: Interested parties are
invited to submit written comments to
the FDIC by any of the following
methods:
• http://www.FDIC.gov/regulations/
laws/federal/notices.html.
• Email: comments@fdic.gov Include
the name of the collection in the subject
line of the message.
• Mail: Gary A. Kuiper
(202.898.3877), Counsel, Room NYA–
5046, Federal Deposit Insurance
Corporation, 550 17th Street NW.,
Washington, DC 20429.
• Hand Delivery: Comments may be
hand-delivered to the guard station at
the rear of the 17th Street Building
(located on F Street), on business days
between 7:00 a.m. and 5:00 p.m.
All comments should refer to the
relevant OMB control number. A copy
of the comments may also be submitted
to the OMB desk officer for the FDIC:
Office of Information and Regulatory
Affairs, Office of Management and
Budget, New Executive Office Building,
Washington, DC 20503.
FOR FURTHER INFORMATION CONTACT: Gary
A. Kuiper, at the FDIC address above.
SUPPLEMENTARY INFORMATION:
Proposal to renew the following
currently-approved collection of
information:
Title: Interagency Policy Statement on
Funding and Liquidity Risk
Management.
OMB Number: 3064–0174.
Form Number: None.
Affected Public: Insured state
nonmember banks.
Estimated Number of Respondents:
Number of respondents: 4,510 total (11
large (over $20 billion in assets), 298

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mid-size ($1–$20 billion), 4,201 small
(less than $1 billion)).
Frequency of Response: Annual.
Estimated Annual Burden Hours per
Response:
Burden under Section 14: 720 hours per
large respondent, 240 hours per midsize respondent, and 80 hours per
small respondent.
Burden under Section 20: 4 hours per
month.
Total estimated annual burden:
552,560 hours.
General Description of Collection: The
policy statement summarizes the
principles of sound liquidity risk
management that the agencies have
issued in the past and, when
appropriate, supplements them with the
‘‘Principles for Sound Liquidity Risk
Management and Supervision’’ issued
by the Basel Committee on Banking
Supervision in September 2008. This
policy statement emphasizes
supervisory expectations for all
depository institutions including banks,
thrifts, and credit unions.
Request for Comment: Comments are
invited on: (a) Whether the collection of
information is necessary for the proper
performance of the FDIC’s functions,
including whether the information has
practical utility; (b) the accuracy of the
estimates of the burden of the
information collection, including the
validity of the methodology and
assumptions used; (c) ways to enhance
the quality, utility, and clarity of the
information to be collected; and (d)
ways to minimize the burden of the
information collection on respondents,
including through the use of automated
collection techniques or other forms of
information technology. All comments
will become a matter of public record.
Dated at Washington, DC, this 14th day of
March 2013.
Federal Deposit Insurance Corporation.
Valerie J. Best,
Assistant Executive Secretary.
[FR Doc. 2013–06283 Filed 3–18–13; 8:45 am]
BILLING CODE 6714–01–P

FEDERAL DEPOSIT INSURANCE
CORPORATION
Agency Information Collection
Activities: Proposed Collection
Renewals; Comment Request
Federal Deposit Insurance
Corporation (FDIC).
ACTION: Notice and request for comment.
AGENCY:

In accordance with the
requirements of the Paperwork
Reduction Act (PRA) of 1995 (44 U.S.C.

SUMMARY:

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16853

chapter 35), the FDIC may not conduct
or sponsor, and the 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 FDIC
hereby gives notice that it is seeking
comment on renewal of two of its
information collections: Interagency
Charter and Federal Deposit Insurance
Application (OMB No. 3064–0001) and
CRA Sunshine (OMB No. 3064–0139).
At the end of the comment period, any
comments and recommendations
received will be analyzed to determine
the extent to which the collections
should be modified prior to submission
to OMB for review and approval.
DATES: Comments must be submitted on
or before May 20, 2013.
ADDRESSES: Interested parties are
invited to submit written comments to
the FDIC by any of the following
methods:
• http://www.FDIC.gov/regulations/
laws/federal/notices.html.
• Email: comments@fdic.gov. Include
the name of the collection in the subject
line of the message.
• Mail: Leneta G. Gregorie (202–898–
3719), Counsel, Room NY–5050, Federal
Deposit Insurance Corporation, 550 17th
Street NW., Washington, DC 20429.
• Hand Delivery: Comments may be
hand-delivered to the guard station at
the rear of the 17th Street Building
(located on F Street), on business days
between 7:00 a.m. and 5:00 p.m.
All comments should refer to the
relevant OMB control number. A copy
of the comments may also be submitted
to the OMB desk officer for the FDIC:
Office of Information and Regulatory
Affairs, Office of Management and
Budget, New Executive Office Building,
Washington, DC 20503.
FOR FURTHER INFORMATION CONTACT:
Leneta Gregorie, at the FDIC address
above.
SUPPLEMENTARY INFORMATION:

Proposal to renew the following
currently approved collections of
information:
1. Title: Interagency Charter & Federal
Deposit Insurance Application.
OMB Number: 3064–0001.
Frequency of Response: Once.
Affected Public: Banks or savings
associations wishing to become FDICinsured depository institutions.
Estimated Number of Respondents:
217.
Estimated Time per Response: 125
hours.
Total Annual Burden: 27,125 hours.
General Description of Collection: The
Federal Deposit Insurance Act requires
proposed financial institutions to apply

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Federal Register / Vol. 78, No. 53 / Tuesday, March 19, 2013 / Notices

to the FDIC to obtain deposit insurance.
This collection provides the FDIC with
the information needed to evaluate the
applications.
2. Title: CRA Sunshine.
OMB Number: 3064–0139.
Frequency of Response: On occasion.
Affected Public: Insured state
nonmember banks and their affiliates,
and nongovernmental entities and
persons.
Estimated Number of Respondents:
16.
Estimated Time per Response: 8.625
hours.
Total Annual Burden: 138 hours.
General Description of Collection:
This collection implements a statutory
requirement imposing reporting,
disclosure and recordkeeping
requirements on some community
investment-related agreements between
insured depository institutions or
affiliates, and nongovernmental entities
or persons.
Request for Comment
Comments are invited on: (a) Whether
the collection of information is
necessary for the proper performance of
the FDIC’s functions, including whether
the information has practical utility; (b)
the accuracy of the estimates of the
burden of the information collection,
including the validity of the
methodology and assumptions used; (c)
ways to enhance the quality, utility, and
clarity of the information to be
collected; and (d) ways to minimize the
burden of the information collection on
respondents, including through the use
of automated collection techniques or
other forms of information technology.
All comments will become a matter of
public record.
Dated at Washington, DC, this 12th day of
March, 2013.
Federal Deposit Insurance Corporation.
Valerie J. Best,
Assistant Executive Secretary.
[FR Doc. 2013–06271 Filed 3–18–13; 8:45 am]
BILLING CODE 6714–01–P

FEDERAL DEPOSIT INSURANCE
CORPORATION

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Agency Information Collection
Activities: Submission for OMB
Review; Comment Request Re National
Survey of Unbanked and Underbanked
Households
Federal Deposit Insurance
Corporation (FDIC).
ACTION: Notice of information collection
to be submitted to OMB for review and
approval under the Paperwork
Reduction Act of 1995.
AGENCY:

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The FDIC, as part of its
continuing effort to reduce paperwork
and respondent burden and as required
by the Paperwork Reduction Act of 1995
(44 U.S.C. chapter 35), invites the
general public and other Federal
agencies to comment on the revised
survey collection instrument for its
third National Survey of Unbanked and
Underbanked Households (‘‘Household
Survey’’), currently approved under
OMB Control No. 3064–0167, scheduled
to be conducted in partnership with the
U.S. Census Bureau as a supplement to
its June 2013 Current Population Survey
(‘‘CPS’’). The collection is a key
component of the FDIC’s efforts to
comply with a Congressional mandate
contained in section 7 of the Federal
Deposit Insurance Reform Conforming
Amendments Act of 2005 (‘‘Reform
Act’’) (Pub. L. 109–173), which calls for
the FDIC to conduct ongoing surveys
‘‘on efforts by insured depository
institutions to bring those individuals
and families who have rarely, if ever,
held a checking account, a savings
account or other type of transaction or
check cashing account at an insured
depository institution (hereafter in this
section referred to as the ‘unbanked’)
into the conventional finance system.’’
Section 7 further instructs the FDIC to
consider several factors in its conduct of
the surveys, including: (1) ‘‘what
cultural, language and identification
issues as well as transaction costs
appear to most prevent ‘unbanked’
individuals from establishing
conventional accounts’’; and (2) ‘‘what
is a fair estimate of the size and worth
of the ‘‘unbanked’’ market in the United
States.’’ The Household Survey is
designed to address these factors and
provide a factual basis on the
proportions of unbanked households.
Such a factual basis is necessary to
adequately assess banks’ efforts to serve
these households as required by the
statutory mandate.
To satisfy the Congressional mandate,
the FDIC designed two complementary
surveys: a survey of FDIC-insured
depository institutions and a survey of
households. The survey of FDIC-insured
depository institutions, aimed at
collecting data on their efforts to serve
underbanked, as well as unbanked,
populations (underbanked populations
include individuals who have an
account with an insured depository but
also rely on non-bank alternative
financial service providers for
transaction services or high cost credit
products), was conducted in mid-2007
and again in 2011. The results of the
2007 survey were released in February
2008 and the results of the 2011 survey

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were released in December 2012. The
first survey of unbanked and
underbanked households was
conducted in January 2009 as a CPS
supplement and the results were
released to the public in December
2009. The second survey of unbanked
and underbanked households was
conducted in June 2011 and the results
were released to the public in
September 2012. The Household Survey
seeks to estimate the proportions of
unbanked and underbanked households
in the U.S. and to identify the factors
that inhibit the participation of these
households in the mainstream banking
system. The results of these ongoing
surveys will help policymakers and
bankers understand the issues and
challenges underserved households
perceive when deciding how and where
to conduct financial transactions. This
notice addresses the next Household
Survey.
DATES: Comments must be submitted on
or before April 18, 2013.
ADDRESSES: Interested parties are
invited to submit written comments by
any of the following methods. All
comments should refer to ‘‘National
Survey of Unbanked and Underbanked
Households’’:
• http://www.FDIC.gov/regulations/
laws/federal/.
• Email: comments@fdic.gov. Include
the name and number of the collection
in the subject line of the message.
• Mail: Leneta Gregorie (202–898–
3719), Counsel, Legal Division, Federal
Deposit Insurance Corporation, 550 17th
Street NW., Washington, DC 20429.
• Hand Delivery: Comments may be
hand-delivered to the guard station at
the rear of the 550 17th Street Building
(located on F Street), on business days
between 7:00 a.m. and 5:00 p.m.
FOR FURTHER INFORMATION CONTACT:
Interested members of the public may
obtain a copy of the survey and related
instructions by clicking on the link for
the National Unbanked and
Underbanked Household Survey on the
following Web page: http://
www.fdic.gov/regulations/laws/federal/
notices.html. Interested members of the
public may also obtain additional
information about the collection,
including a paper copy of the proposed
collection and related instructions,
without charge, by contacting Leneta
Gregorie at the address identified above,
or by calling (202) 898–3719.
SUPPLEMENTARY INFORMATION: The FDIC
is requesting OMB approval to revise
the following collection of information:
Title: National Unbanked and
Underbanked Household Survey.
OMB Number: 3064–0167.

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