30-Day Federal Register Notice

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Federal Register / Vol. 84, No. 35 / Thursday, February 21, 2019 / Notices

economic development. Diversity in
vocational/career background, including
private sector/industry experience,
agricultural sector experience,
professional affiliations, and
demonstrated familiarity with local,
regional and national environmental
issues, also may be considered.
LGAC members are appointed for 1–
2 year terms and are eligible for
reappointment. The Committee meets
several times a year, and the
Administrator may ask members to
serve on Subcommittees and
Workgroups to develop reports and
recommendations to address specific
policy issues. The average workload for
members is approximately 5 to 8 hours
per month. While EPA is unable to
provide compensation for services,
official Committee travel and related
expenses (lodging, etc.) will be fully
reimbursed.
Nominations can be submitted in
electronic format (preferred) or in hard
copy format (see ADDRESSES section
above). To be considered, all
nominations should include:
• Current contact information for the
applicant/nominee, including name,
organization (and position within that
organization), current business address,
email address, and daytime telephone
number;
• Brief statement describing the
nominee’s interest in serving on the
LGAC;
• Resume and short biography (no
more than 2 paragraphs) describing
professional, educational and other
pertinent qualifications of the nominee,
including a list of relevant activities as
well as any current or previous service
on advisory committees; and,
• Letter(s) of recommendation from a
third party (or parties) supporting the
nomination. Letter(s) should describe
how the nominee’s experience and
knowledge will bring value to the work
of the LGAC.
Other sources, in addition to this
Federal Register notice, may be utilized
in the solicitation of nominees. EPA
expressly values and welcomes
diversity. In an effort to obtain
nominations of diverse candidates, the
agency encourages nominations of
women and men of all racial and ethnic
groups. Individuals may self-nominate.
Dated: December 20, 2018.
Jack Bowles,
Director, State and Local Relations.
[FR Doc. 2019–03000 Filed 2–20–19; 8:45 am]
BILLING CODE 6560–50–P

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FEDERAL DEPOSIT INSURANCE
CORPORATION
Agency Information Collection
Activities: Submission for OMB
Review; National Survey of Unbanked
and Underbanked Households;
Comment Request (3064–0167)
Federal Deposit Insurance
Corporation (FDIC).
ACTION: Notice and request for comment.
AGENCY:

The FDIC, as part of its
obligations under the Paperwork
Reduction Act of 1995, invites the
general public and other Federal
agencies to take this opportunity to
comment on the renewal of an existing
information collection for its sixth
National Survey of Unbanked and
Underbanked Households (Household
Survey), currently approved under OMB
Control No. 3064–0167. The Household
Survey is scheduled to be conducted in
partnership with the U.S. Census
Bureau as a supplement to its June 2019
Current Population Survey (CPS). The
survey seeks to measure and track
economic inclusion among U.S.
households, and to identify the factors
that inhibit the participation of these
households in the mainstream banking
system and opportunities to expand the
use of banking services among
underserved consumers. 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. On November 6, 2018, the
FDIC requested comment for 60 days on
a proposal to renew these information
collections. The FDIC received two
comments which are discussed below.
The FDIC hereby gives notice of its plan
to submit to OMB a request to approve
the renewal of this information
collection, and again invites comment
on the renewal.
DATES: Comments must be submitted on
or before March 25, 2019.
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. Include
the name and number of the collection
in the subject line of the message.
• Mail: Manny Cabeza (202–898–
3767), 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
SUMMARY:

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(located on F Street), on business days
between 7:00 a.m. and 5:00 p.m.
All comments should refer to OMB
control number 3064–0167. 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:
Manny Cabeza, Counsel, 202–898–3767,
mcabeza@fdic.gov, MB–3007, Federal
Deposit Insurance Corporation, 550 17th
Street NW, Washington, DC 20429.
SUPPLEMENTARY INFORMATION:
Proposal To Renew the Following
Currently Approved Collection of
Information
Title: National Survey of Unbanked
and Underbanked Households.
OMB Number: 3064–0167.
Frequency of Response: Once.
Affected Public: U.S. Households.
Estimated Number of Respondents:
40,000.
Average Time per Response: 9
minutes (0.15 hours) per respondent.
Estimated Total Annual Burden: 0.15
hours × 40,000 respondents = 6,000
hours.
General Description of Collection: The
FDIC recognizes that public confidence
in the banking system is strengthened
when banks effectively serve the
broadest possible set of consumers. As
a result, the agency is committed to
increasing economic inclusion in the
financial mainstream by ensuring that
all Americans have access to safe,
secure, and affordable banking services.
The National Survey of Unbanked and
Underbanked Households is one
contribution to this end.
The National Survey of Unbanked and
Underbanked Households is also 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

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Federal Register / Vol. 84, No. 35 / Thursday, February 21, 2019 / Notices
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 National Survey of
Unbanked and Underbanked
Households 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. The
National Survey of Unbanked and
Underbanked Households is the only
population-representative survey
conducted at the national level that
provides state-level estimates of the size
and characteristics of unbanked and
underbanked households for all 50
states and the District of Columbia.
The FDIC supplement collects
nationally-representative data, not
otherwise available, to measure and
track economic inclusion, and assess the
accessibility and sustainability of
banking relationships. The survey
identifies different banking status
groups, including unbanked and
underbanked consumers. In identifying
underbanked consumers, the FDIC
considers households that have bank
accounts but also substantially rely on
nonbank financial services to meet basic
financial needs such as receiving
income, paying bills, saving and storing
money, and accessing basic consumer
credit. There is an emphasis on services
that are disproportionately relied on by
the unbanked, and are provided by a
company or firm, as opposed to those
accessed informally through
individuals. The survey captures the use
of a range of bank and nonbank
products, and other data to help assess
the reasons why some households do
not make greater use of mainstream
banking services.
To obtain this information, the FDIC
partners with the U.S. Census Bureau,
which administers the Household
Survey supplement (‘‘FDIC
Supplement’’) to households that
participate in the CPS. The supplement
has been administered every other year
since January 2009. The previous survey
questionnaires and survey results can be
accessed through the following link:
http://www.economicinclusion.gov/
surveys/.
Consistent with the statutory mandate
to conduct the surveys on an ongoing
basis, the FDIC already has in place
arrangements for conducting the sixth
Household Survey as a supplement to
the June 2019 CPS.
However, prior to finalizing the next
survey questionnaire, the FDIC seeks to

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solicit public comment on whether
changes to the existing instrument are
desirable and, if so, to what extent. It
should be noted that, as a supplement
of the CPS survey, the Household
Survey needs to adhere to specific
parameters that include limits in the
length and sensitivity of the questions
that can be asked of CPS respondents.
Interested members of the public may
obtain a copy of the proposed survey
questionnaire on the following web
page: https://www.fdic.gov/regulations/
laws/federal/2018/2019-drafthousehold-survey-questionnaire.pdf.
Comment Discussion
On November 23, 2018, the FDIC
requested comment for 60 days on a
proposal to renew the National Survey
of Unbanked and Underbanked
Households information collection.1
The FDIC received two comments in
response to this request. Both
commenters were supportive of the
survey effort. One did not provide
specific suggestions about the survey.
The other commenter suggested that the
FDIC collect information on the types of
activities that consumers conduct at
bank branches. The FDIC is interested in
better understanding consumers’ use of
banking channels, including physical
branch locations, and the 2019 survey
includes questions on the use of bank
tellers and the intensity of branch use.
However, the suggested question
detailing branch activities was long,
with 14 answer options, and would not
be feasible to implement given the
survey administration methods (it is
primarily telephone-based) and survey
length constraints. The FDIC will
consider how best to learn about
consumers’ bank branch activities in
future survey administrations and/or
other research efforts.
Request for Comment
Comments are again 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 collection of information
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.
1 83

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Dated at Washington, DC, on February 15,
2019.
Federal Deposit Insurance Corporation.
Robert E. Feldman,
Executive Secretary.
[FR Doc. 2019–03001 Filed 2–20–19; 8:45 am]
BILLING CODE 6714–01–P

FEDERAL MARITIME COMMISSION
Notice of Agreements Filed
The Commission hereby gives notice
of the filing of the following agreements
under the Shipping Act of 1984.
Interested parties may submit comments
on the agreements to the Secretary by
email at Secretary@fmc.gov, or by mail,
Federal Maritime Commission,
Washington, DC 20573, within twelve
days of the date this notice appears in
the Federal Register. Copies of
agreements are available through the
Commission’s website (www.fmc.gov) or
by contacting the Office of Agreements
at (202)–523–5793 or tradeanalysis@
fmc.gov.
Agreement No.: 012426–003.
Agreement Name: The OCEAN
Alliance Agreement.
Parties: American President Lines,
Ltd., APL Co. Pte. Ltd., and CMA CGM
S.A. (acting as a single party); COSCO
Shipping Lines Co., Ltd. and COSCO
Shipping Lines (Europe) GmbH (acting
as a single party); Evergreen Line Joint
Service Agreement, and OOCL (Europe)
Limited and Orient Overseas Container
Line Limited (acting as a single party).
Filing Party: Robert Magovern; Cozen
O’Connor.
Synopsis: The Amendment revises
Article 7 of the Agreement to extend the
minimum term of the agreement
through March 31, 2027.
Proposed Effective Date: 3/30/2019.
Location: https://www2.fmc.gov/
FMC.Agreements.Web/Public/
AgreementHistory/1214.
Agreement No.: 201290.
Agreement Name: Maersk/MSC/Zim
USPNW Cooperative Working
Agreement.
Parties: Maersk Line A/S;
Mediterranean Shipping Company S.A.;
and ZIM Integrated Shipping Services
Ltd.
Filing Party: Wayne Rohde; Cozen
O’Connor.
Synopsis: The Agreement authorizes
the parties to operate a vessel string in
the trade between ports in China, Japan,
Taiwan, and South Korea on the one
hand and ports in the State of
Washington on the other hand. It also
authorizes ZIM to exchange space on
that string for space on another string
operated by Maersk and MSC.

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