30-Day Federal Register Notice

60466

Federal Register / Vol. 85, No. 187 / Friday, September 25, 2020 / Notices

taken; and (3) supplemental information
requested by the Commission or Bureau
with respect to a certification.
Needs and Uses: This is a renewal of
an information collection necessary to
ensure that all Americans have access to
reliable and resilient 911
communications, particularly in times
of emergency, by requiring certain 911
service providers to certify
implementation of key best practices or
reasonable alternative measures. The
information will be collected in the
form of an electronically-filed, annual
certification from each covered 911
service provider, as defined in the
Commission’s 2013 Report and Order,
in which the provider will indicate
whether it has implemented certain
industry-backed best practices.
Providers that are able to respond in the
affirmative to all elements of the
certification will be deemed to satisfy
the ‘‘reasonable measures’’ requirement
in Section 9.19(b) of the Commission’s
rules. If a provider does not certify in
the affirmative with respect to one or
more elements of the certification, it
must provide a brief explanation of
what alternative measures it has taken,
in light of the provider’s particular facts
and circumstances, to ensure reliable
911 service with respect to that
element(s). Similarly, a service provider
may also respond by demonstrating that
a particular certification element is not
applicable to its networks and must
include a brief explanation of why the
element(s) does not apply.
The information will be collected by
the Public Safety and Homeland
Security Bureau, FCC, for review and
analysis, to verify that covered 911
service providers are taking reasonable
measures to maintain reliable 911
service. In certain cases, based on the
information included in the
certifications and subsequent
coordination with the provider, the
Commission may require remedial
action to correct vulnerabilities in a
service provider’s 911 network if it
determines that (a) the service provider
has not, in fact, adhered to the best
practices incorporated in the FCC’s
rules, or (b) in the case of providers
employing alternative measures, that

those measures were not reasonably
sufficient to mitigate the associated risks
of failure in these key areas. The
Commission delegated authority to the
Bureau to review certification
information and follow up with service
providers as appropriate to address
deficiencies revealed by the certification
process.
The purpose of the collection of this
information is to verify that covered 911
service providers are taking reasonable
measures such that their networks
comply with accepted best practices,
and that, in the event they are not able
to certify adherence to specific best
practices, that they are taking reasonable
alternative measures. The Commission
adopted these rules in light of
widespread 911 outages during the June
2012 derecho storm in the Midwest and
Mid-Atlantic states, which revealed that
multiple service providers did not take
adequate precautions to maintain
reliable service.
Federal Communications Commission.
Marlene Dortch,
Secretary, Office of the Secretary.
[FR Doc. 2020–21176 Filed 9–24–20; 8:45 am]
BILLING CODE 6712–01–P

FEDERAL DEPOSIT INSURANCE
CORPORATION
[OMB No. 3064–0092; and 0198]

Agency Information Collection
Activities: Submission for OMB
Review; Comment Request
Federal Deposit Insurance
Corporation (FDIC).
ACTION: Agency Information Collection
Activities: Submission for OMB Review;
comment request.
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 the existing
information collections described
below. The FDIC published notices in
the Federal Register requesting
comment for 60 days on a proposal to

SUMMARY:

renew these information collections. No
comments were received. The FDIC
hereby gives notice of its plan to submit
to OMB a request to approve the
renewal of these information
collections, and again invites comment
on the renewal.
DATES: Comments must be submitted on
or before October 26, 2020.
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, Regulatory
Counsel, MB–3128, 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 NW building
(located on F Street), on business days
between 7:00 a.m. and 5:00 p.m.
Written comments and
recommendations for the proposed
information collection should be sent
within 30 days of publication of this
notice to www.reginfo.gov/public/do/
PRAMain. Find this particular
information collection by selecting
‘‘Currently under 30-day Review—Open
for Public Comments’’ or by using the
search function.
FOR FURTHER INFORMATION CONTACT:
Manny Cabeza, Regulatory Counsel,
202–898–3767, mcabeza@fdic.gov, MB–
3128, Federal Deposit Insurance
Corporation, 550 17th Street NW,
Washington, DC 20429.
SUPPLEMENTARY INFORMATION:
Proposal To Renew the Following
Currently Approved Collections of
Information
1. Title: Community Reinvestment
Act.
OMB Number: 3064–0092.
Form Number: None.
Affected Public: Insured state
nonmember banks and state savings
associations.
Burden Estimate:

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SUMMARY OF ANNUAL BURDEN
Estimated
number of
respondents

Source and type of burden

Description

345.25(b) Reporting .........................................................

Request for designation as a wholesale or limited purpose bank—Banks requesting this designation shall
file a request in writing with the FDIC at least 3
months prior to the proposed effective date of the
designation.

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Average
estimated time
per response
1

25SEN1

4

Total
estimated
annual
burden
(hours)
4

60467

Federal Register / Vol. 85, No. 187 / Friday, September 25, 2020 / Notices
SUMMARY OF ANNUAL BURDEN—Continued
Description

345.27 Reporting .............................................................

Strategic plan—Applies to banks electing to submit
strategic plans to the FDIC for approval.
Small business/small farm loan data—Large banks
shall and Small banks may report annually in machine readable form the aggregate number and
amount of certain loans.
Community development loan data—Large banks shall
and Small banks may report annually, in machine
readable form, the aggregate number and aggregate
amount of community development loans originated
or purchased.
Home mortgage loans—Large banks, if subject to reporting under part 203 (Home Mortgage Disclosure
(HMDA)), shall, and Small banks may report the location of each home mortgage loan application, origination, or purchase outside the MSA in which the
bank has a home/branch office.
Data on affiliate lending—Banks that elect to have the
FDIC consider loans by an affiliate, for purposes of
the lending or community development test or an approved strategic plan, shall collect, maintain and report the data that the bank would have collected,
maintained, and reported pursuant to § 345.42(a),
(b), and (c) had the loans been originated or purchased by the bank. For home mortgage loans, the
bank shall also be prepared to identify the home
mortgage loans reported under HMDA.
Data on lending by a consortium or a third party—
Banks that elect to have the FDIC consider community development loans by a consortium or a third
party, for purposes of the lending or community development tests or an approved strategic plan, shall
report for those loans the data that the bank would
have reported under § 345.42(b)(2) had the loans
been originated or purchased by the bank.
Assessment area data—Large banks shall and Small
banks may collect and report to the FDIC a list for
each assessment area showing the geographies
within the area.

345.42(b)(1) Reporting ....................................................

345.42(b)(2) Reporting ....................................................

345.42(b)(3) Reporting ....................................................

345.42(d) Reporting .........................................................

345.42(e) Reporting .........................................................

345.42(g) Reporting .........................................................

Average
estimated time
per response

Total
estimated
annual
burden
(hours)

10

400

4,000

277

8

2,216

277

13

3,601

357

253

90,321

311

38

11,818

103

17

1,751

380

2

760

Total Reporting .........................................................

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

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

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

114,471

345.42(a) Recordkeeping ................................................

Small business/small farm loan register—Large banks
shall and Small banks may collect and maintain certain data in machine-readable form.
Optional consumer loan data—All banks may collect
and maintain in machine readable form certain data
for consumer loans originated or purchased by a
bank for consideration under the lending test.
Other loan data –All banks optionally may provide
other information concerning their lending performance, including additional loan distribution data.

380

219

83,220

10

26

3,260

103

25

2,575

345.42(c) Recordkeeping ................................................

345.42(c)(2) Recordkeeping ............................................

khammond on DSKJM1Z7X2PROD with NOTICES

Estimated
number of
respondents

Source and type of burden

Total Recordkeeping ................................................

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

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

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

89,055

345.41(a) ..........................................................................
345.43(a); (a)(1); (a)(2); (a)(3); (a)(4); (a)(5); (a)(6);
(a)(7); (b)(1); (b)(2); (b)(3); (b)(4); (b)(5); (c); (d) Disclosure.

Content and availability of public file—All banks shall
maintain a public file that contains certain required
information.

3,309

10

33,090

Total Disclosure ........................................................

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

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

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

33,090

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

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

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

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

236,616

General Description of Collection: The
Community Reinvestment Act
regulation requires the FDIC to assess
the record of banks and thrifts in
helping meet the credit needs of their
entire communities, including low- and
moderate-income neighborhoods,
consistent with safe and sound
operations; and to take this record into

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account in evaluating applications for
mergers, branches, and certain other
corporate activities.
There is no change in the method or
substance of the collection. The overall
decrease in burden hours is a result of
the decrease in the estimated number of
respondents.

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2. Title: Generic Information
Collection for Qualitative Research.
OMB Number: 3064–0198.
Affected Public: General public
including FDIC insured depository
institutions.
Burden Estimate:

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60468

Federal Register / Vol. 85, No. 187 / Friday, September 25, 2020 / Notices

khammond on DSKJM1Z7X2PROD with NOTICES

SUMMARY OF ANNUAL BURDEN
Information collection
description

Type of burden

Obligation to respond

Estimated
number of
respondents

Estimated
frequency
of responses

Estimated
time per
response
(minutes)

Estimated
annual burden
(hours)

Occasional Qualitative Surveys

Reporting ................................

Voluntary ................................

500

20

60

10,000

Total Estimated Annual Burden:
10,000 hours.
General Description of Collection: The
FDIC is requesting renewal of this
approved collection to use occasional
qualitative surveys to gather information
from the public to inform qualitative
research. While the subject and nature
of the surveys to be deployed under this
information collection are yet to be
determined, based on prior experience it
is expected that the number or
respondents will range from a few to, at
times, several thousands, but, in
general, these surveys are expected to
involve an average of 500 respondents.
Likewise, the time to respond to the
surveys can range from a few minutes to
several hours, but, it is expected that the
average time to respond to a survey is
approximately one hour. These surveys
are completely voluntary in nature.
FDIC estimates that approximately 20
such surveys will be conducted in any
given year.
Currently, the FDIC has a variety of
methods to collect quantitative
information from consumers and
institutions (e.g., Call Reports, FDIC
National Survey of Unbanked and
Underbanked Households, etc.).
Qualitative data would provide
complementary information on insights,
opinions, and perceptions that will
inform how the FDIC approaches its
mission to safeguard financial stability
of the banking system and promote
consumer protection and economic
inclusion. This clearance would allow
the FDIC to engage with consumers and
other relevant stakeholders through
qualitative research methods such as
focus groups, in-depth interviews,
cognitive testing, and/or qualitative
virtual methods.
The purpose of the surveys is, in
general terms, to obtain anecdotal
information about regulatory burden,
problems or successes in the bank
supervisory process (including both
safety-and-soundness and consumerrelated exams), the perceived need for
regulatory or statutory change, and
similar concerns. The information in
these surveys is anecdotal in nature,
that is, samples are not necessarily
random, the results are not necessarily
representative of a larger class of
potential respondents, and the goal is
not to produce a statistically valid and

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reliable database. Rather, the surveys are
expected to yield anecdotal information
about the particular experiences and
opinions of members of the public,
primarily staff at respondent banks or
bank customers. The collection is noncontroversial and does not raise issues
of concern to other Federal agencies;
with the exception of information
needed to provide remuneration for
participants of focus groups and
cognitive laboratory studies, personally
identifiable information (PII) is
collected only to the extent necessary
and is not retained.
Participation in this information
collection will be voluntary and
conducted in-person, by phone, or using
other methods, such as virtual
technology. The types of collections that
this generic clearance covers include,
but are not limited to: small discussion
groups; focus groups of consumers,
financial industry professionals, or
other stakeholders; cognitive laboratory
studies, such as those used to refine
questions or assess usability of a
website; qualitative customer
satisfaction surveys (e.g., posttransaction surveys; opt-out web
surveys); and in-person observation
testing (e.g., website or software
usability tests).
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 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.
Federal Deposit Insurance Corporation.

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Dated at Washington, DC, on September
21, 2020.
James P. Sheesley,
Assistant Executive Secretary.
[FR Doc. 2020–21136 Filed 9–24–20; 8:45 am]
BILLING CODE 6714–01–P

FEDERAL RESERVE SYSTEM
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 public portions of the
applications listed below, as well as
other related filings required by the
Board, if any, are available for
immediate inspection at the Federal
Reserve Bank(s) indicated below and at
the offices of the Board of Governors.
This information may also be obtained
on an expedited basis, upon request, by
contacting the appropriate Federal
Reserve Bank and from the Board’s
Freedom of Information Office at
https://www.federalreserve.gov/foia/
request.htm. Interested persons may
express their views in writing on the
standards enumerated in the BHC Act
(12 U.S.C. 1842(c)).
Comments regarding each of these
applications must be received at the
Reserve Bank(s) indicated or the offices
of the Board of Governors, Ann E.
Misback, Secretary of the Board, 20th
Street and Constitution Avenue NW,
Washington, DC 20551–0001, not later
than October 26, 2020.
A. Federal Reserve Bank of
Minneapolis (Chris P. Wangen,
Assistant Vice President), 90 Hennepin
Avenue, Minneapolis, Minnesota
55480–0291:
1. Bank Forward Employee Stock
Ownership Plan and Trust, Fargo, North
Dakota; to acquire additional voting

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