30-Day Federal Register Notice

FR2-0082 Regulation Z 83 FR 7179 February 20 2018.pdf

Recordkeeping, Disclosure and Reporting Requirements in Connection with Regulation Z (Truth in Lending)

30-Day Federal Register Notice

OMB: 3064-0082

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Federal Register / Vol. 83, No. 34 / Tuesday, February 20, 2018 / Notices

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FOR FURTHER INFORMATION CONTACT:

Kathleen Oram, Acting Assistant Legal
Counsel, Office of Legal Counsel, Equal
Employment Opportunity Commission,
131 M Street NE, Washington, DC
20507, (202) 663–4681 (voice) or (202)
663–4494 (TTY), or Erin Norris, Senior
Attorney, Office of Legal Counsel, Equal
Employment Opportunity Commission,
129 W Trade Street, Charlotte, NC
28202, (704) 954–6491 (voice). Requests
for this notice in an alternative format
should be made to the Office of
Communications and Legislative Affairs
at (202) 663–4191 (voice) or (202) 663–
4494 (TTY).
SUPPLEMENTARY INFORMATION: The Equal
Employment Opportunity Commission
(EEOC) enforces Title VII of the Civil
Rights Act of 1964 (Title VII), Title I of
the Americans with Disabilities Act
(ADA), and Title II of the Genetic
Information Nondiscrimination Act of
2008 (GINA), which collectively
prohibit discrimination on the basis of
race, color, religion, sex, national origin,
disability, or genetic information.
Section 709(c) of Title VII, section
107(a) of the ADA, and section 207(a) of
GINA authorize the EEOC to issue
recordkeeping and reporting regulations
that are deemed reasonable, necessary
or appropriate. EEOC has promulgated
recordkeeping regulations under those
authorities that are contained in 29 CFR
part 1602 et seq. Those regulations do
not require the creation of any particular
records but generally require employers
to preserve any personnel and
employment records they make or keep
for a period of one year. The EEOC seeks
extension of the recordkeeping
requirement in these regulations
without change.
Pursuant to the Paperwork Reduction
Act of 1995, and OMB regulation 5 CFR
1320.8(d)(1), the Commission solicits
public comment to enable it to:
(1) Evaluate whether the proposed
collection of information is necessary
for the proper performance of the
Commission’s functions, including
whether the information will have
practical utility;
(2) Evaluate the accuracy of the
Commission’s estimate of the burden of
the proposed collection of information,
including the validity of the
methodology and assumptions used;
(3) Enhance the quality, utility, and
clarity of the information to be
collected; and
(4) Minimize the burden of the
collection of information on those who
are to respond, including the use of
appropriate, or other technological
collection techniques or other forms of
information technology, e.g., permitting
electronic submission of responses.

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Overview of Current Information
Collection
Collection Title: Recordkeeping under
Title VII, the ADA, and GINA.
OMB Number: 3046–0040.
Description of Affected Public:
Employers with 15 or more employees
are subject to Title VII, the ADA, and
GINA.
Number of Respondents: 961,709.
Number of Reports Submitted: 0.
Estimated Burden Hours: 37,264
hours.
Cost to Respondents: $0.
Federal Cost: None.
Number of Forms: None.
Abstract: Section 709(c) of Title VII of
the Civil Rights Act of 1964, as
amended, 42 U.S.C. 2000e–8(c), section
1007(a) of the ADA, 42 U.S.C. 12117(a),
and section 207(a) of GINA, 42 U.S.C.
2000ff–6(a), require the Commission to
establish regulations pursuant to which
employers subject to those Acts shall
make and preserve certain records to
assist the EEOC in assuring compliance
with the Acts’ nondiscrimination in
employment requirements. This is a
recordkeeping requirement. Any of the
records maintained which are
subsequently disclosed to the EEOC
during an investigation are protected
from public disclosure by the
confidentiality provisions of section
706(b) and 709(e) of Title VII which are
also incorporated by reference into the
ADA at section 107(a) and GINA at
section 207(a).
Burden Statement: The estimated
number of respondents subject to this
recordkeeping requirement is 961,709
employers. An employer subject to the
recordkeeping requirement in 29 CFR
part 1602 must retain all personnel or
employment records made or kept by
that employer for one year, and must
retain any records relevant to charges of
discrimination filed under Title VII, the
ADA, or GINA until final disposition of
those matters, which may be longer than
one year. This recordkeeping
requirement does not require reports or
the creation of new documents, but
merely requires retention of documents
that an employer has already made or
kept in the normal course of its business
operations. Thus, existing employers
bear no burden under this analysis,
because their systems for retaining
personnel and employment records are
already in place. Newly formed firms
may incur a small burden when setting
up their data collection and retention
systems to ensure compliance with
EEOC’s recordkeeping requirements. We
assume some effort and time must be
expended by employers to familiarize
themselves with the Title VII, ADA, and

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GINA recordkeeping requirements and
explain those requirements to the
appropriate staff. We estimate that 30
minutes would be needed for this onetime familiarization process. Using 2015
data from the Small Business
Administration, we estimate that there
are 74,528 firms that would incur this
start-up burden.1 Assuming a 30-minute
burden per firm, the total annual hour
burden is 37,264 hours (.5 hour × 74,528
= 37,264).
For the Commission.
Dated: February 13, 2018.
Victoria A. Lipnic,
Acting Chair.
[FR Doc. 2018–03427 Filed 2–16–18; 8:45 am]
BILLING CODE 6570–01–P

FEDERAL DEPOSIT INSURANCE
CORPORATION
Agency Information Collection
Activities: Submission for OMB
Review; Comment Request (3064–
0082)
Federal Deposit Insurance
Corporation (FDIC).
ACTION: 30-Day notice and request for
comment.
AGENCY:

The Federal Deposit
Insurance Corporation (FDIC) will
submit the following information
collection request to the Office of
Management and Budget (OMB) for
review and approval in accordance with
the Paperwork Reduction Act of 1995.
The proposed information collection
was previously published in the Federal
Register on December 7, 2017, allowing
for a 60-day comment period.
DATES: Comments are encouraged and
will be accepted for an additional 30
days until March 22, 2018.
ADDRESSES: Interested parties are
invited to submit written comments to
the FDIC by any of the following
methods:
• https://www.FDIC.gov/regulations/
laws/federal.
• Email: comments@fdic.gov. Please
include the name and OMB control
number of the relevant information
collection in the subject line of the
message.
• Mail: Manny Cabeza, Counsel,
Room MB–3007, Federal Deposit
Insurance Corporation, 550 17th Street
NW, Washington, DC 20429.
SUMMARY:

1 Source: U.S. Small Business Administration:
Statistics of U.S. Business, Release Date 1/2017.
(https://www.sba.gov/advocacy/firm-size-data).
Select U.S. Static Data, U.S. Data and combines
estimates from private employment, public sector,
colleges and universities, and referral unions.

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Federal Register / Vol. 83, No. 34 / Tuesday, February 20, 2018 / Notices

• 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. Written
comments and/or suggestions can also
be directed to the Office of Management
and Budget, Office of Information and
Regulatory Affairs, attention FDIC Desk
Officer, New Executive Office Building,
Washington, DC 20503 or sent to OIRA_
submissions@omb.eop.gov.
FURTHER INFORMATION CONTACT: If you
have additional comments, particularly
with respect to the estimated public
burden or associated response time,
have suggestions, need a copy of any
proposed information collection
instrument and instructions, or desire
any other additional information, please
contact Manny Cabeza, Counsel, FDIC
Legal Division either by mail at Room
MB–3007, Federal Deposit Insurance
Corporation, 550 17th Street NW,
Washington, DC 20429; by email at
mcabeza@fdic.gov; or by telephone at
(202) 898–3767.
SUPPLEMENTARY INFORMATION: Written
comments and suggestions from the
public and affected agencies concerning
the proposed collection of information
are encouraged. All comments received
will become a matter of public record.
Your comments should address one or
more of the following four points:
—Evaluate whether the proposed
collection of information is necessary
for the proper performance of the
functions of the agency, including

whether the information has practical
utility;
—Evaluate the accuracy of the agency’s
estimate of the burden of the
proposed information collection,
including the validity of the
methodology and assumptions used;
—Evaluate whether and if so, how, the
quality, utility, and clarity of the
information to be collected can be
enhanced; and
—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.
Overview of the Information Collection
Request
1. Title: Recordkeeping, Disclosure
and Reporting Requirements in
Connection with Regulation Z.
OMB Number: 3064–0082.
Form Number: None.
Affected Public: State nonmember
banks and state savings associations.
General Description of Collection:
Consumer Financial Protection Bureau
(CFPB) Regulation Z—12 CFR 1026
implements the Truth in Lending Act
(15 U.S.C. 1601, et seq.) and certain
provisions of the Real Estate Settlement
Procedures Act (12 U.S.C. 2601 et seq.).
This regulation prescribes uniform
methods for computing the cost of
credit, the disclosure of credit terms and
costs, the resolution of errors and
imposes various other recordkeeping,
reporting and disclosure requirements.
The FDIC has enforcement authority on
the requirements of the CFPB’s

Regulation over the financial
institutions it supervises. This
information collection captures the
recordkeeping, reporting and disclosure
burdens of Regulation Z on FDICsupervised institutions. The information
collection is being revised to account for
revisions and changes made to
Regulation Z by the CFPB since this
information collection was last
submitted by the FDIC to OMB for
clearance.
To arrive at the estimated annual
burden the FDIC assessed the number of
potential respondents to the information
collection by identifying the number of
FDIC-supervised institutions who
reported activity that would be within
the scope of the information collection
requirements according to data from the
most recent CALL Report. Additionally,
the FDIC estimated the frequency of
responses to the recordkeeping,
reporting, or disclosure requirements by
assessing the dollar volume of activity
that would be within the scope of the
information collection. In some
instances the FDIC used information
provided by other sources to estimate
the magnitude and scope of activity
attributable to FDIC-supervised
institutions when more immediate
information sources did not exist.
Burden Estimate: The total estimated
annual burden is 2,395,630 hours (36
hours estimated implementation
burden, plus 2,395,594 hours estimated
ongoing burden). The burden estimate is
detailed on the following tables:

IMPLEMENTATION (ONE-TIME) BURDEN ESTIMATE
Estimated
average
number of
credit
accounts

Estimated
number of
respondents 1

Obligation to
respond/type of burden

Frequency
of response

Number of
responses

Estimated
time per
response
(minutes)

Total
estimated
annual
burden
(hours)

Open-End Credit Products
• Not Home-Secured Open-End Credit Plans
Æ Credit and Charge Card Provisions
Timely Settlement of Estate Debts
(1026.11(c)(1)) Written Policies and Procedures.
Ability to Pay (1026.51(a)(ii)) Written Policies and Procedures.

Mandatory Recordkeeping ...

1

N/A

1

1

480.00

8

Mandatory Recordkeeping ...

1

N/A

1

1

480.00

8

Mortgage Products (Open and Closed-End)

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• Valuation Independence
Æ Mandatory Reporting
Implementation of Policies and Procedures
(1026.42(g)).

MandatoryRecordkeeping ....

1

N/A

1

0

1,200.00

20

Total Estimated Implementation Burden

...............................................

......................

....................

....................

....................

....................

36

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Federal Register / Vol. 83, No. 34 / Tuesday, February 20, 2018 / Notices
IMPLEMENTATION (ONE-TIME) BURDEN ESTIMATE—Continued
Estimated
number of
respondents 1

Obligation to
respond/type of burden

Estimated
average
number of
credit
accounts

Frequency
of response

Number of
responses

Estimated
time per
response
(minutes)

Total
estimated
annual
burden
(hours)

Ongoing Burden Estimate
Open-End Credit Products
• Not Home-Secured Open-End Credit Plans
Æ General Disclosure Rules for Not Home-Secured Open-End Credit Plans
Credit and Charge Card Applications and
Solicitations (1026.60).
Account Opening Disclosures (1026.6(b)) ...
Periodic Statements (1026.7(b)) ..................
Annual Statement of Billing Rights
(1026.9(a)(1)).
Alternative Summary Statement of Billing
Rights (1026.9(a)(2)).
Change in Terms Disclosures (1026.9(b)
through (h)).

Mandatory Disclosure ..........

634

N/A

1

634

480.00

5,072

Mandatory Disclosure ..........
Mandatory Disclosure ..........
Mandatory Disclosure ..........

634
634
317

N/A
N/A
N/A

1
12
1

634
7,608
317

720.00
480.00
480.00

7,608
60,864
2,536

Voluntary Disclosure ............

317

N/A

12

3,804

480.00

30,432

Mandatory Disclosure ..........

634

N/A

1

634

480.00

5,072

Æ Credit and Charge Card Provisions
Timely Settlement of Estate Debts
(1026.11(c)(2)).
Ability to Pay (1026.51) ................................
College Student Credit Annual Report
(1026.57(d)).
Submission of Credit Card Agreements
(1026.58(c)).
Internet Posting of Credit Card Agreements
(1026.58(d)).
Individual
Credit
Card
Agreements
(1026.58(e)).

Mandatory Disclosure ..........

634

428

1

271,352

5.00

22,613

Mandatory Recordkeeping ...
Mandatory Reporting ............

634
634

N/A
N/A

1
1

634
634

720.00
480.00

7,608
5,072

Mandatory Reporting ............

634

N/A

4

2,536

180.00

7,608

Mandatory Disclosure ..........

634

N/A

4

2,536

360.00

15,216

Mandatory Disclosure ..........

634

125

1

79,250

15.00

19,813

• Home Equity Open-End Credit Plans (HELOC)
Æ General Disclosure Rules for HELOCs
Application Disclosures (1026.40) ................
Account Opening Disclosures (1026.6(a)) ...
Periodic Statements (1026.7(a)) ..................
Annual Statement of Billing Rights
(1026.9(a)(1)).
Alternative Summary Statement of Billing
Rights (1026.9(a)(2)).
Change in Terms Disclosures (1026.9(b)
through (h)).
Notice to Restrict Credit (1026.9(c)(1)(iii);
.40(f)(3)(i) and (vi)).

Mandatory
Mandatory
Mandatory
Mandatory

Disclosure
Disclosure
Disclosure
Disclosure

..........
..........
..........
..........

2,717
2,717
2,717
2,717

N/A
N/A
N/A
N/A

1
1
1
1

2,717
2,717
2,717
2,717

720.00
720.00
480.00
480.00

32,604
32,604
21,736
21,736

Voluntary Disclosure ............

2,717

N/A

1

2,717

480.00

21,736

Mandatory Disclosure ..........

2,717

N/A

1

2,717

480.00

21,736

Mandatory Disclosure ..........

2,717

N/A

1

2,717

120.00

5,434

2,963

1

10,737,912

1.0

178,965

N/A

1

1

720.00

12

N/A
N/A
N/A

1
1
1

3,628
3,628
3,628

480.00
480.00
18.00

29,024
29,024
1,088

• All Open-End Credit Plans
Error Resolution (1026.13) ...........................

Mandatory Disclosure ..........

3,624

• Closed-End Credit Products
• General Rules for Closed-End Credit
Other than Real Estate, Home-Secured and
Private Education Loans (1026.17 and
.18).

Mandatory Disclosure ..........

1

• Closed-End Mortgages
Æ Application and Consummation
Loan Estimate (1026.19(e); and .37) ...........
Closing Disclosure (1026.19(f); and .38) .....
Record
Retention
of
Disclosures
(1026.19(e), (f); .37; and .38).

Mandatory Disclosure ..........
Mandatory Disclosure ..........
Mandatory Recordkeeping ...

3,628
3,628
3,628

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Æ Post-Consummation Disclosures
Interest Rate and Payment Summary
(1026.18(s)).
No Guarantee to Refinance Statement
(1026.18(t)).
ARMs Rate Adjustments with Payment
Change Disclosures (1026.20(c)).
Initial Rate Adjustment Disclosure for ARMs
(1026.20(d)).
Escrow Cancellation Notice (1026.20(e)) ....

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Mandatory Disclosure ..........

3,628

N/A

1

3,628

2,400.00

145,120

Mandatory Disclosure ..........

3,628

N/A

1

3,628

480.00

29,024

Mandatory Disclosure ..........

3,628

N/A

1

3,628

90.00

5,442

Mandatory Disclosure ..........

3,628

N/A

1

3,628

120.00

7,256

Mandatory Disclosure ..........

3,628

N/A

1

3,628

480.00

29,024

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IMPLEMENTATION (ONE-TIME) BURDEN ESTIMATE—Continued

Periodic Statements (1026.41) .....................

Estimated
average
number of
credit
accounts

Estimated
number of
respondents 1

Obligation to
respond/type of burden

Mandatory Disclosure ..........

3,628

Frequency
of response

Number of
responses

Estimated
time per
response
(minutes)

Total
estimated
annual
burden
(hours)

N/A

1

3,628

480.00

29,024

926
16

1
1

3,359,528
58,048

15.00
12.00

839,882
11.610

N/A

1

3,628

480.00

29,024

N/A

1

3,628

480.00

29,204

1

1

3,628

10.00

605

N/A

1

14

1,440.00

336

N/A

1

3,628

14.00

847

N/A

1

3,561

3,600.00

213,660

N/A

1

3,561

3,600.00

213,660

N/A

1

3,561

3600.00

213,660

5

1

18,120

20.00

6,040

5

1

18,140

20.00

6,047

Æ Ability to Repay Requirements
Minimum Standards (1026.43(c) through (f))
Prepayment Penalties (1026.43(g)) .............

Mandatory Recordkeeping ...
Mandatory Disclosure ..........

3,628
3,628

Mortgage Products (Open and Closed-End)
• Mortgage Servicing Disclosures
Æ Payoff Statements
Payoff Statements (1026.36(c)(3)) ...............

Mandatory Disclosure ..........

Notice of Sale or Transfer (1026.39) ...........

Mandatory Disclosure ..........

3,628

Æ Notice of Sale or Transfer
3,628

• Valuation Independence
Æ Mandatory Reporting
Reporting
Appraiser
(1026.42(g)).

Noncompliance

Mandatory Reporting ............

3,628

Reverse and High-Cost Mortgages
• Reverse Mortgages
Æ Reverse Mortgage Disclosures
Reverse
Mortgage
(1026.31(c)(2) and .33).

Disclosures

Mandatory Disclosure ..........

14

• High-Cost Mortgage Loans
Æ HOEPA Disclosures and Notice
HOEPA Disclosures and Notice (1026.32(c)

Mandatory Disclosure ..........

3,628

Private Education Loans
• Initial Disclosures
Æ Application and Solicitation Disclosures
Application or
(1026.47(a)).

Solicitation

Disclosures

Mandatory Disclosure ..........

3,561

Æ Approval Disclosures
Approval Disclosures (1026.47(b)) ...............

Mandatory Disclosure ..........

Final Disclosures (1026.47(c)) .....................

Mandatory Disclosure ..........

3,561

Æ Final Disclosures
3,561

Advertising Rules
• All Credit Types
Æ Open-End Credit
Open-End Credit (1026.16) ..........................

Mandatory Disclosure ..........

3,624

Æ Closed-End Credit
Closed-End Credit (1026.24) .......................

Mandatory Disclosure ..........

3,628

Record Retention

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• Evidence of Compliance
Regulation Z in General (1026.25) ..............

Mandatory Recordkeeping ...

3,652

N/A

1

3,652

18.00

1,096

Total Estimated Ongoing Burden ..........

...............................................

......................

....................

....................

....................

....................

2,395,594

Total Estimated Annual Burden ............

...............................................

......................

....................

....................

....................

....................

2,395,630

1 FDIC

estimates that all existing FDIC-supervised institutions have implemented the policies and procedures required by Regulation Z and will only face the estimated ongoing (transaction) burdens reflected in the Ongoing Burden Estimate table. The respondent count of 1 is intended as a placeholder for the associated burden estimate to account for any institution(s) that may become subject to the information collection requirements in the future.

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Federal Register / Vol. 83, No. 34 / Tuesday, February 20, 2018 / Notices
Dated at Washington, DC, this 14th day of
February 2018.
Federal Deposit Insurance Corporation.
Robert E. Feldman,
Executive Secretary.

FEDERAL RETIREMENT THRIFT
INVESTMENT BOARD

[FR Doc. 2018–03426 Filed 2–16–18; 8:45 am]

Agenda

BILLING CODE 6714–01–P

Federal Retirement Thrift Investment
Board Meeting Agenda, February 26,
2018, In Person, 8:30 a.m.

FEDERAL RESERVE SYSTEM

Open Session

sradovich on DSK3GMQ082PROD with NOTICES

Formations of, Acquisitions by, and
Mergers of Bank Holding Companies
The companies listed in this notice
have applied to the Board for approval,
pursuant to the Bank Holding Company
Act of 1956 (12 U.S.C. 1841 et seq.)
(BHC Act), Regulation Y (12 CFR part
225), and all other applicable statutes
and regulations to become a bank
holding company and/or to acquire the
assets or the ownership of, control of, or
the power to vote shares of a bank or
bank holding company and all of the
banks and nonbanking companies
owned by the bank holding company,
including the companies listed below.
The applications listed below, as well
as other related filings required by the
Board, are available for immediate
inspection at the Federal Reserve Bank
indicated. The applications will also be
available for inspection at the offices of
the Board of Governors. Interested
persons may express their views in
writing on the standards enumerated in
the BHC Act (12 U.S.C. 1842(c)). If the
proposal also involves the acquisition of
a nonbanking company, the review also
includes whether the acquisition of the
nonbanking company complies with the
standards in section 4 of the BHC Act
(12 U.S.C. 1843). Unless otherwise
noted, nonbanking activities will be
conducted throughout the United States.
Unless otherwise noted, comments
regarding each of these applications
must be received at the Reserve Bank
indicated or the offices of the Board of
Governors not later than March 14,
2018.
A. Federal Reserve Bank of Kansas
City (Dennis Denney, Assistant Vice
President) 1 Memorial Drive, Kansas
City, Missouri 64198–0001:
1. Almena Investments, LLC., Almena,
Kansas; to become a bank holding
company by acquiring 100 percent of
the voting shares of Almena State Bank,
Almena, Kansas.
Board of Governors of the Federal Reserve
System, February 14, 2018.
Ann Misback,
Secretary of the Board.
[FR Doc. 2018–03391 Filed 2–16–18; 8:45 am]
BILLING CODE P

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Sunshine Act; Notice of Board Member
Meeting

7183

Federal Trade Commission
Building, 600 Pennsylvania Avenue
NW, Washington, DC 20580.

ADDRESSES:

FOR FURTHER INFORMATION CONTACT:

Donald S. Clark, Secretary, Office of the
Secretary, 600 Pennsylvania Avenue
NW, Washington, DC 20580, 202–326–
2515.
SUPPLEMENTARY INFORMATION:

Open Meeting

1. Approval of the minutes for the
January 22, 2018 Board Meeting
2. Monthly Reports
(a) Participant Activity
(b) Investment Performance
(c) Legislative
3. Quarterly Reports
(d) Metrics
(e) Project Activity
4. Contact Centers
5. OERM Annual Report
6. OTS Annual Report
7. FISMA
8. FISMA—OTS
9. Blended Retirement Update
Closed Session
Information covered under 5 U.S.C.
552b(c)(9)(B).
Adjourn
CONTACT PERSON FOR MORE INFORMATION:

Kimberly Weaver, Director, Office of
External Affairs, (202) 942–1640.
Dated: February 15, 2018.
Megan Grumbine,
General Counsel, Federal Retirement Thrift
Investment Board.
[FR Doc. 2018–03554 Filed 2–15–18; 4:15 pm]
BILLING CODE 6760–01–P

FEDERAL TRADE COMMISSION

(1) Oral Argument In the Matter of
Louisiana Real Estate Appraisers Board,
Docket No. 9374.
Closed Meeting
(2) Executive Session to follow Oral
Argument In the Matter of Louisiana
Real Estate Appraisers Board, Docket
No. 9374.
Record of Commission’s Vote
On February 6, 2018, Commissioners
Ohlhausen and McSweeny were
recorded as voting in the affirmative to
close Matter Number Two, and to
withhold from this meeting notice such
information as is exempt from
disclosure under 5 U.S.C. 552b(c).
Commission’s Explanation of Closing
The Commission has determined that
Matter Number Two may be closed
under 5 U.S.C. 552b(c)(10), and that the
public interest does not require the
matter to be open.
General Counsel Certification
The General Counsel has certified that
Matter Number Two may properly be
closed, citing the following relevant
exemptive provision: 5 U.S.C.
552b(c)(10).

[Docket No. 9374]

Expected Attendees

Louisiana Real Estate Appraisers
Board Oral Argument Before the
Commission

Expected to attend the closed meeting
are the Commissioners themselves, an
advisor to one of the Commissioners,
and such other Commission staff as may
be appropriate.

Federal Trade Commission.
Oral argument; open meeting.

AGENCY:
ACTION:

The Federal Trade
Commission (‘‘FTC’’ or ‘‘Commission’’)
will meet on Thursday, February 22,
2018, in Room 532 of the FTC Building
for an Oral Argument In the Matter of
Louisiana Real Estate Appraisers Board.
The public is invited to attend and
observe the open portion of the meeting,
which is scheduled to begin at 2:00 p.m.
The remainder of the meeting will be
closed to the public.
DATES: Oral argument is scheduled for
February 22, 2018 at 2:00 p.m.
SUMMARY:

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By direction of the Commission.
Donald S. Clark,
Secretary.
[FR Doc. 2018–03410 Filed 2–16–18; 8:45 am]
BILLING CODE 6750–01–P

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