Initial (60-Day) Federal Register Notice

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Federal Register / Vol. 87, No. 9 / Thursday, January 13, 2022 / Notices
RECORD ACCESS PROCEDURES:

• 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), 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 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:
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: Notice Regarding
Unauthorized Access to Customer
Information.
OMB Number: 3064–0145.
Form Numbers: None.
Affected Public: Insured state
nonmember banks.
Burden Estimate:

HISTORY:

Federal Register Volume 67, Number
36 (Friday, February 22, 2002).

Individuals seeking access to
information in this system of records
about themselves are required to
provide adequate identification (e.g.,
driver’s license, military identification
card, employee badge, or identification
card). Additional identity verification
procedures may be required, as
warranted. Requests must meet the
requirements of EPA regulations that
implement the Privacy Act of 1974, at
40 CFR part 16.

Vaughn Noga,
Senior Agency Official for Privacy.
[FR Doc. 2022–00628 Filed 1–12–22; 8:45 am]
BILLING CODE 6560–50–P

FEDERAL DEPOSIT INSURANCE
CORPORATION
[OMB No. 3064–0145; –0161; –0171]

Agency Information Collection
Activities: Proposed Collection
Renewal; Comment Request

CONTESTING RECORDS PROCEDURES:

Requests for correction or amendment
must identify the record to be changed
and the corrective action sought.
Complete EPA Privacy Act procedures
are described in EPA’s Privacy Act
regulations at 40 CFR part 16.

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 (PRA), invites the
general public and other Federal
agencies to take this opportunity to
comment on the renewal of the existing
information collections described below
(OMB Control No. 3064–0145; –0161
and –0171).
DATES: Comments must be submitted on
or before March 14, 2022.
ADDRESSES: Interested parties are
invited to submit written comments to
the FDIC by any of the following
methods:
• Agency Website: https://
www.fdic.gov/resources/regulations/
federal-register-publications/index.html.
SUMMARY:

NOTIFICATION PROCEDURE:

Individuals who want to know
whether this system of records contains
information about them should make a
written request to the EPA, Attn:
Agency Privacy Officer, MC 2831T,
1200 Pennsylvania Avenue NW,
Washington, DC 20460, privacy@
epa.gov.
EXEMPTIONS PROMULGATED FOR THE SYSTEM:

None.

SUMMARY OF ESTIMATED ANNUAL BURDEN
[OMB No. 3064–0145]
Type of burden
(obligation to respond)

Information collection description

Frequency of
response

Number of
respondents

Hours per
response

Annual burden
(hours)

Implementation (One Time)
Develop Policies and Procedures for Response
Program.

Recordkeeping (Required).

1 .....................

10

24

240

Third Party Disclosure
(Required).

On occasion ...

315

36

11,340

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

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

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

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

11,580

Ongoing
Notice Regarding Unauthorized Access to Customer Information.
Total Annual Burden (Hours) ........................

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Source: FDIC.

General Description of Collection: The
Interagency Guidance on Response
Programs for Unauthorized Access to
Customer Information and Customer
Notice describes the federal banking
agencies’ expectations regarding a
response program, including customer
notification procedures, that a financial
institution should develop and apply

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under the circumstances described in
the Guidance to address unauthorized
access to or use of customer information
that could result in substantial harm or
inconvenience to a customer. The
Guidance advises financial institutions
when and how they might: (1) Develop
notices to customers; (2) in certain
circumstances defined in the Guidance,

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determine which customers should
receive the notices; and (3) send the
notices to customers.
There is no change in the
methodology or substance of this
information collection. The increase in
total estimated annual burden from
11,340 hours in 2019 to 11,580 hours
currently is due to economic factors as

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Federal Register / Vol. 87, No. 9 / Thursday, January 13, 2022 / Notices

reflected in the increase in estimated
number of respondents.

Affected Public: State nonmember
banks.
Burden Estimate:

2. Title: Furnisher Information
Accuracy and Integrity (FACTA 312).
OMB Number: 3064–0161.
Form Number: None.

SUMMARY OF ESTIMATED ANNUAL BURDEN
[OMB No. 3064–0161]
Type of burden
(obligation to respond)

Information collection description
Procedures to Enhance the Accuracy and Integrity of Information furnished to Consumer Reporting Agencies under Section 312 of the Fair
and Accurate Credit Transaction Act.
Distribution of Notices in Response to Direct Disputes.

Recordkeeping (Required).

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

Number of
respondents

Hours per
response

Annual burden
(hours)

1

3,140

40

125,600

46

3,140

0.23

33,221

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

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

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

158,821

Third Party Disclosure
(Required).

Total Annual Burden (Hours) ........................

General Description of Collection:
Sec. 312 of the Fair and Accurate Credit
Transaction Act of 2003 (FACT Act)
requires the FDIC to: Issue guidelines
for furnishers regarding the accuracy
and integrity of the information about
consumers furnished to consumer
reporting agencies; prescribe regulations
requiring furnishers to establish
reasonable policies/procedures to
implement the guidelines; and issue

Number of
responses

while the hours per response and
frequency of responses have remained
the same.
3. Title: Registration of Mortgage Loan
Originators.
OMB Number: 3064–0171.
Form Number: None.
Affected Public: FDIC Supervised
Institutions and Employee Mortgage
Loan Originators.
Burden Estimate:

regulations identifying the
circumstances where a furnisher must
reinvestigate a dispute about the
accuracy of information in a consumer
report based on a direct request from a
consumer.
There is no change in the method or
substance of the collection. The overall
increase in burden hours is the result of
economic fluctuation. In particular, the
number of respondents has increased

SUMMARY OF ESTIMATED ANNUAL BURDEN

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[OMB No. 3064–0171]
Estimated
number of
responses per
respondent

Estimated
number of
respondents

Estimated
time per
response
(hours)

Estimated
annual burden
(hours)

Information collection description

Type of
burden

Frequency of
response

Financial Institution Policies and Procedures for Ensuring EmployeeMortgage Loan Originator Compliance With S.A.F.E. Act Requirements—New Entrant.
Financial Institution Policies and Procedures for Ensuring EmployeeMortgage Loan Originator Compliance With S.A.F.E. Act Requirements—Ongoing.
Financial Institution Procedures to
Track and Monitor Compliance with
S.A.F.E. Act Compliance—New
Entrant.
Financial Institution Procedures to
Track and Monitor Compliance with
S.A.F.E. Act Compliance—Ongoing.
Financial Institution Procedures for
the Collection and Maintenance of
Employee Mortgage Loan Originator’s Criminal History Background
Reports—New Entrant.
Financial Institution Procedures for
the Collection and Maintenance of
Employee Mortgage Loan Originator’s Criminal History Background
Reports—Ongoing.
Financial Institution Procedures for
Public Disclosure of Mortgage
Loan Originator’s Unique Identifier—New Entrant.

Recordkeeping ....

One-Time .......

7

1

20

140

Recordkeeping ....

Annual ............

3,091

1

1

3,091

Recordkeeping ....

One-Time .......

7

1

60

420

Recordkeeping ....

Annual ............

3,091

1

1

3,091

Recordkeeping ....

One-Time .......

7

1

20

140

Recordkeeping ....

Annual ............

3,091

1

1

3,091

Third Party Disclosure.

One-Time .......

7

1

25

175

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Federal Register / Vol. 87, No. 9 / Thursday, January 13, 2022 / Notices
SUMMARY OF ESTIMATED ANNUAL BURDEN—Continued
[OMB No. 3064–0171]
Type of
burden

Information collection description

Financial Institution Procedures for
Public Disclosure of Mortgage
Loan Originator’s Unique Identifier—Ongoing.
Financial Institution Information Reporting to Registry.
Mortgage Loan Originator Initial Registration Reporting and Authorization Requirements.
Mortgage Loan Originator Registration Updates Upon Change in Circumstances.
Financial Institution Procedures for
the Collection of Employee Mortgage Loan Originator’s Fingerprints.
Mortgage Loan Originator Procedures for Disclosure to Consumers
of Unique Identifier.
Mortgage Loan Originator Annual Renewal Registration Reporting and
Authorization Requirements.
Total Annual Burden ...................

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Estimated
number of
responses per
respondent

Estimated
time per
response
(hours)

Estimated
annual burden
(hours)

Annual ............

3,091

1

1

3,091

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

On Occasion ..

3,098

1

1

3,098

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

One-Time .......

5,257

1

.25

1,314

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

On Occasion ..

40,015

1

.25

10,004

Recordkeeping ....

On Occasion ..

3,098

1

4

12,392

Third Party Disclosure.

On Occasion ..

45,272

1

1

45,272

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

On Occasion ..

40,015

1

.25

10,004

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

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

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

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

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

95,323

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

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Estimated
number of
respondents

Third Party Disclosure.

General Description of Collection:
This information collection implements
the Secure and Fair Enforcement for
Mortgage Licensing Act of 2008 (SAFE
Act) requirement that employees of
Federally-regulated institutions who
engage in the business of a mortgage
loan originator to register with the
Nationwide Mortgage Licensing System
and Registry and establishes national
licensing and registration requirements.
It also directs Federally-regulated
institutions to have written policies and
procedures in place to ensure that their
employees who perform mortgage loan
originations comply with the
registration and other SAFE Act
requirements.
There is no change in the method or
substance of the collection. The overall
decrease in burden hours is the result of
economic fluctuation. In particular, the
number of respondents and time per
response have decreased while the
frequency of responses have remained
the same.

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Frequency of
response

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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.
Dated at Washington, DC, on January 10,
2022.
James P. Sheesley,
Assistant Executive Secretary.
[FR Doc. 2022–00574 Filed 1–12–22; 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.

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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 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 February 10, 2022.
A. Federal Reserve Bank of Atlanta
(Erien O. Terry, Assistant Vice
President) 1000 Peachtree Street NE,
Atlanta, Georgia 30309. Comments can
also be sent electronically to
Applications.Comments@atl.frb.org:
1. Georgia Banking Company, Inc.,
Atlanta, Georgia; to merge with Peoples
BankTrust, Inc., and thereby indirectly
acquire its subsidiary, Peoples Bank &
Trust, both of Buford, Georgia.

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