60-Day Federal Register Notice

FR1 0145 - Notice Regarding Unauthorized Access to Customer Information 80 FR 43772 (23 JUL 2015 ).pdf

Notice Regarding Unauthorized Access to Customer Information

60-Day Federal Register Notice

OMB: 3064-0145

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43772

Federal Register / Vol. 80, No. 141 / Thursday, July 23, 2015 / Notices

Pennsylvania Ave. NW., Washington,
DC 20460; telephone number: 703–308–
7256; fax number: 703–308–0514; email
[EPA–HQ–RCRA–2015–0219; FRL–9930–05–
address: sager.john@epa.gov.
OEI]
SUPPLEMENTARY INFORMATION:
Information Collection Request
Supporting documents which explain in
Submitted to OMB for Review and
detail the information that the EPA will
Approval; Comment Request; NESHAP be collecting are available in the public
for Hazardous Waste Combustors
docket for this ICR. The docket can be
(Renewal)
viewed online at www.regulations.gov
or in person at the EPA Docket Center,
AGENCY: Environmental Protection
WJC West, Room 3334, 1301
Agency (EPA).
Constitution Ave. NW., Washington,
ACTION: Notice.
DC. The telephone number for the
Docket Center is 202–566–1744. For
SUMMARY: The Environmental Protection
has submitted an information collection additional information about EPA’s
public docket, visit http://www.epa.gov/
request (ICR), ‘‘NESHAP for Hazardous
dockets.
Waste Combustors (40 CFR part 63,
Abstract: The affected entities are
subpart EEE) (Renewal)’’ (EPA ICR No.
subject to the General Provisions of the
1773.11, OMB Control No. 2050–0171)
to the Office of Management and Budget National Emission Standards for
Hazardous Air Pollutants (NESHAP) at
(OMB) for review and approval in
40 CFR part 63, subpart A, and any
accordance with the Paperwork
changes, or additions to the General
Reduction Act (44 U.S.C. 3501 et seq.).
This is a proposed extension of the ICR, Provisions specified at 40 CFR part 63,
subpart EEE. Hazardous waste
which is currently approved through
combustors include: Hazardous waste
July 31, 2015. Public comments were
incinerators, hazardous waste cement
previously requested via the Federal
kilns, hazardous waste lightweight
Register (80 FR 20223) on April 15,
aggregate kilns, hazardous waste solid
2015 during a 60-day comment period.
fuel boilers, hazardous waste liquid fuel
This notice allows for an additional 30
boilers, and hazardous waste
days for public comments. A fuller
hydrochloric acid production furnaces.
description of the ICR is given below,
including its estimated burden and cost Owners or operators of the affected
facilities must submit a one-time-only
to the public. An Agency may not
report of any physical or operational
conduct or sponsor and a person is not
changes, notification of exceedances,
required to respond to a collection of
notification of performance test and
information unless it displays a
continuous monitoring system
currently valid OMB control number.
evaluation, notification of intent to
DATES: Additional comments may be
comply, notification of compliance,
submitted on or before August 24, 2015.
notification if the owner or operator
ADDRESSES: Submit your comments,
elects to comply with alternative
referencing Docket ID Number EPA–
requirements, initial performance tests,
HQ–RCRA–2015–0219, to (1) EPA
and periodic reports and results.
online using www.regulations.gov (our
Form numbers: None.
preferred method), by email to rcraRespondents/affected entities:
docket@epa.gov, or by mail to: EPA
Owners or operators of combustion
Docket Center, Environmental
units burning hazardous waste, States.
Protection Agency, Mail Code 28221T,
Respondent’s obligation to respond:
1200 Pennsylvania Ave. NW.,
Mandatory
(40 CFR part 63, subpart
Washington, DC 20460, and (2) OMB via
email to oira_submission@omb.eop.gov. EEE).
Estimated number of respondents:
Address comments to OMB Desk Officer
192.
for EPA.
Frequency of response: Occasionally.
EPA’s policy is that all comments
Total estimated burden: 142,381
received will be included in the public
hours (per year). Burden is defined at 5
docket without change including any
CFR 1320.03(b).
personal information provided, unless
the comment includes profanity, threats,
Total estimated cost: $19,945,848 (per
information claimed to be Confidential
year), includes $4,052,444 annualized
Business Information (CBI) or other
capital or operation & maintenance
information whose disclosure is
costs.
restricted by statute.
Changes in the estimates: There is
FOR FURTHER INFORMATION CONTACT: John decrease of 66 hours in the total
estimated respondent burden compared
Sager, Office of Resource Conservation
with the ICR currently approved by
and Recovery (mail code 5304P),
Environmental Protection Agency, 1200 OMB. This small decrease is due to the

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ENVIRONMENTAL PROTECTION
AGENCY

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slight decrease in the number of
incinerators from last time.
Courtney Kerwin,
Acting Director, Collection Strategies
Division.
[FR Doc. 2015–18025 Filed 7–22–15; 8:45 am]
BILLING CODE 6560–50–P

FEDERAL DEPOSIT INSURANCE
CORPORATION
[3064–0095, 3064–0117, 3064–0145, 3064–
0152, 3064–0161]

Agency Information Collection
Activities: Proposed Collection
Renewals; 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 existing
information collections, as required by
the Paperwork Reduction Act of 1995.
Currently, the FDIC is soliciting
comment on the renewal of the
information collections described in the
SUPPLEMENTARY INFORMATION section.
DATES: Comments must be submitted on
or before September 21, 2015.
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/.
• Email: comments@fdic.gov Include
the name and number of the collection
in the subject line of the message.
• Mail: Gary A. Kuiper (202) 898–
3877, Counsel, John W. Popeo (202)
898–6923, Counsel, MB–3007, 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 or John W. Popeo, at the FDIC
address above.
SUMMARY:

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Federal Register / Vol. 80, No. 141 / Thursday, July 23, 2015 / Notices
Proposal
to renew the following currentlyapproved collections of information:
1. Title: Procedures for Monitoring
Bank Protection Act Compliance.
OMB Number: 3064–0095.
Affected Public: Insured state
nonmember banks.
Estimated Number of Respondents:
4049.
Estimated Burden per Respondent: .5
hours.
Estimated Total Annual Burden:
2,025 hours.
General Description: The collection
requires insured state nonmember banks
to comply with the Bank Protection Act
and to review bank security programs.
2. Title: Mutual-to-Stock Conversion
of State Savings Banks.
OMB Number: 3064–0117.
Affected Public: Insured state
nonmember banks.
Estimated Number of Respondents:
15.
Estimated Time Burden per
Respondent: 250 hours.
Estimated Total Annual Burden:
3,750 hours.
General Description: State
nonmember savings banks must file a
notice of intent to convert to stock form,
and provide the FDIC with copies of
documents filed with state and federal
banking and/or securities regulators in
connection with any proposed mutualto-stock conversion.
3. Title: Notice Regarding
Unauthorized Access to Customer
Information.
OMB Number: 3064–0145.
Affected Public: Insured state
nonmember banks.
Frequency of Response: On occasion.
Number of FDIC-Regulated Banks that
will Notify Customers: 93.
Estimated Time per Response: 29
hours.
Annual Burden: 2,697 hours.
General Description: This collection
reflects the FDIC’s expectations
regarding a response program that
financial institutions should have to
address unauthorized access to or use of
customer information that could result
in substantial harm or inconvenience to
a customer. The information collection
requires financial institutions to: (1)
Develop notices to customers; and (2) in
certain circumstances, determine which
customers should receive the notices,
and send the notices to customers.
4. Title: ID Theft Red Flags.
OMB Number: 3064–0152.
Number of Respondents: 4,049.
Total Estimated Time per Response:
16 hours.
Total Estimated Annual Burden:
64,784 hours.

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SUPPLEMENTARY INFORMATION:

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General Description: The FDIC is
requesting OMB approval to extend for
three years the expiration date of
information collection 3064–0152, ‘‘ID
Theft red Flags.’’ The regulation
containing this information collection
requirement is 12 CFR part 334, which
implements sections 114 and 315 of the
Fair and Accurate Credit Transactions
Act of 2003 (FACT Act), Pub. L. 108–
159 (2003).
FACT Act Section 114: Section 114
requires the Agencies to jointly propose
guidelines for financial institutions and
creditors identifying patterns, practices,
and specific forms of activity that
indicate the possible existence of
identity theft. In addition, each financial
institution and creditor is required to
establish reasonable policies and
procedures to address the risk of
identity theft that incorporate the
guidelines. Credit card and debit card
issuers must develop policies and
procedures to assess the validity of a
request for a change of address under
certain circumstances.
The information collections pursuant
to section 114 require each financial
institution and creditor to create an
Identify Theft Prevention Program and
report to the board of directors, a
committee thereof, or senior
management at least annually on
compliance with the proposed
regulations. In addition, staff must be
trained to carry out the program. Each
credit and debit card issuer is required
to establish policies and procedures to
assess the validity of a change of
address request. The card issuer must
notify the cardholder or use another
means to assess the validity of the
change of address.
FACT Act Section 315: Section 315
requires the Agencies to issue
regulations providing guidance
regarding reasonable policies and
procedures that a user of consumer
reports must employ when such a user
receives a notice of address discrepancy
from a consumer reporting agencies.
Part 334 provides such guidance. Each
user of consumer reports must develop
reasonable policies and procedures that
it will follow when it receives a notice
of address discrepancy from a consumer
reporting agency. A user of consumer
reports must furnish an address that the
user has reasonably confirmed to be
accurate to the consumer reporting
agency from which it receives a notice
of address discrepancy.
The Agencies believe that the entities
covered by the proposed regulation are
already furnishing addresses that they
have reasonably confirmed to be
accurate to consumer reporting agencies
from which they receive a notice of

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43773

address discrepancy as a usual and
customary business practice. Therefore,
this requirement is not included in the
burden estimates set out above.
5. Title: Furnisher Information
Accuracy and Integrity (FACTA 312).
OMB Number: 3064–0161.
Affected Public: State nonmember
banks.
Policies and Procedures:
Estimated Number of Respondents:
4,049.
Estimated Burden per Respondent:
24 hours to implement written
policies and procedures and training
associated with the written policies and
procedures;
8 hours to amend procedures for
handling complaints received directly
from consumers; and,
8 hours to implement the new dispute
notice requirements.
Estimated Annual Burden: 4049 × 40
hours = 161,960 hours.
Frivolous or Irrelevant Dispute
Notices:
Number of Frivolous or Irrelevant
Dispute Notices: 88,980.
Estimated Burden per Frivolous or
Irrelevant Dispute Notice: 14 minutes.
Estimated Annual Burden: 88,980 ×
14/60 = 20,762 hours.
Total Estimated Annual Burden:
161,960 + 20,762 = 182,722 hours.
General Description of the Collection:
FDIC is required by section 312 of the
Fair and Accurate Credit Transactions
Act of 2003 (FACT Act) to issue
guidelines for use by furnishers
regarding the accuracy and the integrity
of the information about consumers that
they furnish to consumer reporting
agencies, and prescribe regulations
requiring furnishers to establish
reasonable policies and procedures for
implementing guidelines. Section 312
also requires the Agencies to issue
regulations identifying the
circumstances under which a furnisher
must reinvestigate disputes about the
accuracy of information contained in a
consumer report based on a direct
request from a consumer.
Request for Comment
Comments are invited on: (a) Whether
the collections of information are
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 collections of information,
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 collections of information
on respondents, including through the

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43774

Federal Register / Vol. 80, No. 141 / Thursday, July 23, 2015 / Notices

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 20th day of
July 2015.
Federal Deposit Insurance Corporation.
Valerie J. Best,
Assistant Executive Secretary.
[FR Doc. 2015–18069 Filed 7–22–15; 8:45 am]
BILLING CODE 6714–01–P

FEDERAL RESERVE SYSTEM
Change in Bank Control Notices;
Acquisitions of Shares of a Bank or
Bank Holding Company
The notificants listed below have
applied under the Change in Bank
Control Act (12 U.S.C. 1817(j)) and
225.41 of the Board’s Regulation Y (12
CFR 225.41) to acquire shares of a bank
or bank holding company. The factors
that are considered in acting on the
notices are set forth in paragraph 7 of
the Act (12 U.S.C. 1817(j)(7)).
The notices are available for
immediate inspection at the Federal
Reserve Bank indicated. The notices
also will be available for inspection at
the offices of the Board of Governors.
Interested persons may express their
views in writing to the Reserve Bank
indicated for that notice or to the offices
of the Board of Governors. Comments
must be received not later than August
5, 2015.
A. Federal Reserve Bank of Atlanta
(Chapelle Davis, Assistant Vice
President) 1000 Peachtree Street NE.,
Atlanta, Georgia 30309:
1. Anthony Thomas Moore and
Allison Tate Moore, both of Burns,
Tennessee, to retain 12.076 percent of
the outstanding shares of Cumberland
Bancorp, Inc., and its subsidiary,
Cumberland Bank & Trust Company,
both of Clarksville, Tennessee.
Board of Governors of the Federal Reserve
System, July 17, 2015.
Michael J. Lewandowski,
Assistant Secretary of the Board.
[FR Doc. 2015–18009 Filed 7–22–15; 8:45 am]
BILLING CODE 6210–01–P

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FEDERAL RESERVE SYSTEM
Agency Information Collection
Activities: Announcement of Board
Approval Under Delegated Authority
and Submission to OMB
Board of Governors of the
Federal Reserve System.
SUMMARY: Notice is hereby given of the
final approval of proposed information
AGENCY:

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collections by the Board of Governors of
the Federal Reserve System (Board)
under OMB delegated authority, as per
5 CFR 1320.16 (OMB Regulations on
Controlling Paperwork Burdens on the
Public). Board-approved collections of
information are incorporated into the
official OMB inventory of currently
approved collections of information.
Copies of the Paperwork Reduction Act
Submission, supporting statements and
approved collection of information
instrument(s) are placed into OMB’s
public docket files. The Federal Reserve
may not conduct or sponsor, and the
respondent is not required to respond
to, an information collection that has
been extended, revised, or implemented
on or after October 1, 1995, unless it
displays a currently valid OMB control
number.
FOR FURTHER INFORMATION CONTACT:
Federal Reserve Board Clearance
Officer—Nuha Elmaghrabi—Office of
the Chief Data Officer, Board of
Governors of the Federal Reserve
System, Washington, DC 20551 (202)
452–3829. Telecommunications Device
for the Deaf (TDD) users may contact
(202) 263–4869, Board of Governors of
the Federal Reserve System,
Washington, DC 20551.
OMB Desk Officer—Shagufta
Ahmed—Office of Information and
Regulatory Affairs, Office of
Management and Budget, New
Executive Office Building, Room 10235,
725 17th Street NW., Washington, DC
20503.
Final approval under OMB delegated
authority of the extension for three
years, with revision, of the following
report:
Report title: Report of Transaction
Accounts, Other Deposits, and Vault
Cash.
Agency form number: FR 2900.
OMB control number: 7100–0087.
Frequency: Weekly and quarterly.
Reporters: Depository institutions.
Estimated annual reporting hours:
192,473.
Estimated average hours per response:
1.25 hours for weekly filers and 3 hours
for quarterly filers.
Number of respondents: 2,053 weekly
and 4,919 quarterly.
General description of report: This
information collection is mandatory by
the Federal Reserve Act (12 U.S.C.
248(a), 461, 603, and 615) and
Regulation D (12 CFR 204). The data are
given confidential treatment (5 U.S.C.
552(b)(4)).
Abstract: Institutions with net
transaction accounts greater than the
exemption amount are called
nonexempt institutions. Institutions

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with total transaction accounts, savings
deposits, and small time deposits
greater than or equal to the reduced
reporting limit, regardless of the level of
their net transaction accounts, are also
referred to as nonexempt institutions.
Nonexempt institutions submit FR 2900
data either weekly or quarterly. An
institution is required to report weekly
if its total transaction accounts, savings
deposits, and small time deposits are
greater than or equal to the nonexempt
deposit cutoff. If the nonexempt
institution’s total transaction accounts,
savings deposits, and small time
deposits are less than the nonexempt
deposit cutoff then the institution must
report quarterly or may elect to report
weekly. U.S. branches and agencies of
foreign banks and banking Edge and
agreement corporations submit the FR
2900 data weekly, regardless of their
size. These mandatory data are used by
the Federal Reserve for administering
Regulation D (Reserve Requirements of
Depository Institutions) and for
constructing, analyzing, and monitoring
the monetary and reserve aggregates.
Current Actions: On May 12, 2015 the
Federal Reserve published a notice in
the Federal Register (80 FR 27171)
requesting public comment for 60 days
on the extension, with revision, of the
Report of Transaction Accounts, Other
Deposits, and Vault Cash. The comment
period for this notice expired on July 13,
2015. The Federal Reserve received one
comment supporting the revisions. The
revisions will be implemented as
proposed, effective with an October
2015 as-of date.
Final approval under OMB delegated
authority of the extension for three
years, without revision, of the following
reports:
1. Report title: Supervisory and
Regulatory Survey.
Agency form number: FR 3052.
OMB control number: 7100–0322.
Frequency: On occasion.1
Reporters: Financial businesses.
Estimated annual reporting hours:
60,000 hours.
Estimated average hours per response:
0.5 hours.
Number of respondents: 5,000.
General description of report: This
information collection is authorized
pursuant to the: Federal Reserve Act,
(12 U.S.C. 225a, 324, 263, 602, and 625);
Bank Holding Company Act, (12 U.S.C.
1844(c)); International Banking Act of
1978, (12 U.S.C. 3105(c)(2)); and Federal
Deposit Insurance Act, (12 U.S.C.
1817(a)). Generally, respondent
participation is voluntary. However,
1 The Federal Reserve conducts the survey as
needed up to 24 times per year.

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