3170-0024 60-day FRN (published)

KHAMMOND on DSK9W7S144PROD with NOTICES

Federal Register / Vol. 90, No. 11 / Friday, January 17, 2025 / Notices
evolved since the CFPB’s prior Review
of the product in 2021?
d. What are the practices and metrics
of ‘‘issuers who specialize in providing
credit cards to consumers with lower
credit scores? How are credit card-as-aservice partnerships changing the cost
and availability of credit for consumers?
e. How are consumers’ credit needs
evolving? How are consumers’ spending
patterns changed over time and reflect
the demand for credit? Are non-prime
consumers transacting more on essential
goods and services?
f. How are paper statement fees
impacting the cost of credit? What
proportion of consumers receive paper
statements?
g. How is competition in the
consumer credit card market changing?
How has the CARD Act (positively or
negatively) impacted competition
between credit card issuers? How, if at
all, do these changes and impacts relate
to the cost or availability of consumer
credit cards?
(5) The safety and soundness of credit
card issuers
a. How is the credit cycle evolving?
What, if any, safety and soundness risks
are present or growing in this market,
and which entities are
disproportionately affected by these
risks? How, if at all, do these safety and
soundness risks to entities result from or
otherwise relate to long-term
indebtedness on the part of some
consumers, or changes in consumers’
ability to manage their debts? Has the
impact of the CARD Act on safety and
soundness changed over the past two
years?
(6) The use of risk-based pricing for
consumer credit cards
a. How has the use of risk-based
pricing for consumer credit cards
changed since the CFPB reported on the
credit card market in 2023? What has
driven those changes or lack of changes?
Has the impact of the CARD Act on riskbased pricing changed over the past two
years?
b. How have CARD Act provisions
relating to risk-based pricing impacted
(positively or negatively) the evolution
of practices in this market?
c. Are changes in consumers’ credit
scores leading to both upward and
downward APR repricing? Are
incidence in one direction more
common than the other?
(7) Consumer credit card product
innovation
a. How has credit card product
innovation changed since the CFPB
reported on the credit card market in
2023? What has driven those changes or
lack of changes? Has the impact of the

VerDate Sep<11>2014

09:31 Jan 17, 2025

Jkt 265001

CARD Act on product innovation
changed over the past two years?
b. How have broader innovations in
finance, such as (but not limited to) new
products and entrants offering unique
features, evolving digital tools, greater
availability of and new applications for
consumer data, and new technological
tools (like artificial intelligence),
impacted the consumer credit card
market, either directly or indirectly? In
what ways do CARD Act provisions
encourage or discourage innovation? In
what ways do innovations increase or
decrease the impact of certain CARD
Act provisions, or change the nature of
those impacts?
Rohit Chopra,
Director, Consumer Financial Protection
Bureau.
[FR Doc. 2025–01201 Filed 1–16–25; 8:45 am]
BILLING CODE 4810–AM–P

CONSUMER FINANCIAL PROTECTION
BUREAU
[Docket No. CFPB–2025–0007]

Agency Information Collection
Activities: Comment Request
Consumer Financial Protection
Bureau.
ACTION: Notice and request for comment.
AGENCY:

In accordance with the
Paperwork Reduction Act of 1995
(PRA), the Consumer Financial
Protection Bureau (CFPB) requests the
extension of the Office of Management
and Budget’s (OMB’s) approval for an
existing information collection, titled
‘‘Generic Information Collection Plan
for the Collection of Qualitative
Feedback on Bureau Service Delivery,’’
approved under OMB Control Number
3170–0024.
DATES: Written comments are
encouraged and must be received on or
before March 18, 2025 to be assured of
consideration.
ADDRESSES: You may submit comments,
identified by the title of the information
collection, OMB Control Number (see
below), and docket number (see above),
by any of the following methods:
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• Email: CFPB_PRA@cfpb.gov.
Include Docket No. CFPB–2025–0007 in
the subject line of the email.
• Mail/Hand Delivery/Courier:
Comment Intake, Consumer Financial
Protection Bureau (Attention: PRA
Office), 1700 G Street NW, Washington,
DC 20552. Because paper mail in the
Washington, DC area and at the CFPB is
SUMMARY:

PO 00000

Frm 00025

Fmt 4703

Sfmt 4703

5833

subject to delay, commenters are
encouraged to submit comments
electronically.
Please note that comments submitted
after the comment period will not be
accepted. In general, all comments
received will become public records,
including any personal information
provided. Sensitive personal
information, such as account numbers
or Social Security numbers, should not
be included.
FOR FURTHER INFORMATION CONTACT:
Requests for additional information
should be directed to Anthony May,
PRA Officer, at (304) 481–5511, or
email: CFPB_PRA@cfpb.gov. If you
require this document in an alternative
electronic format, please contact CFPB_
Accessibility@cfpb.gov. Please do not
submit comments to these email boxes.
SUPPLEMENTARY INFORMATION:
Title of Collection: Generic
Information Collection Plan for the
Collection of Qualitative Feedback on
Bureau Service Delivery.
OMB Control Number: 3170–0024.
Type of Review: Extension of a
currently approved information
collection.
Affected Public: Individuals and
households; private sector; and State,
Local, and Tribal Governments.
Estimated Number of Respondents:
500,000.
Estimated Total Annual Burden
Hours: 125,000.
Abstract: This generic information
collection plan provides for the
collection of qualitative feedback from
consumers, financial institutions, and
stakeholders on a wide range of services
the CFPB provides in an efficient,
timely, manner in accordance with the
CFPB’s commitment to improving
service delivery. By qualitative
feedback, the CFPB means information
that provides useful insights on, for
example, comprehension, usability,
perceptions, and opinions, but are not
statistical surveys that yield quantitative
results that can be generalized to the
population of study. The CFPB expects
this feedback to include insights into
consumer, financial institution or
stakeholder perceptions, experiences,
and expectations, provide an early
warning of issues with service, or focus
attention on areas where
communication, training or changes in
operations might improve delivery of
products or services. These collections
will allow for ongoing, collaborative,
and actionable communications
between the CFPB and consumers,
financial institutions, and stakeholders.
It will also allow feedback to contribute
directly to the improvement of program
management.

E:\FR\FM\17JAN1.SGM

17JAN1

5834

Federal Register / Vol. 90, No. 11 / Friday, January 17, 2025 / Notices

Request for Comments: Comments are
invited on: (a) Whether the collection of
information is necessary for the proper
performance of the functions of the
CFPB, including whether the
information will have practical utility;
(b) The accuracy of the CFPB’s estimate
of the burden of the collection of
information, including the validity of
the methods and the 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. Comments submitted in
response to this notice will be
summarized and/or included in the
request for OMB’s approval. All
comments will become a matter of
public record.
Anthony May,
Paperwork Reduction Act Officer, Consumer
Financial Protection Bureau.
[FR Doc. 2025–01140 Filed 1–16–25; 8:45 am]
BILLING CODE 4810–AM–P

CORPORATION FOR NATIONAL AND
COMMUNITY SERVICE
Agency Information Collection
Activities; Comment Request; Days of
Service Project Collection Tool
Corporation for National and
Community Service.
ACTION: Notice of information collection;
request for comment.
AGENCY:

In accordance with the
Paperwork Reduction Act of 1995, the
Corporation for National and
Community Service (operating as
AmeriCorps) is proposing to renew an
information collection.
DATES: Written comments must be
submitted to the individual and office
listed in the ADDRESSES section by
March 18, 2025.
ADDRESSES: You may submit comments,
identified by the title of the information
collection activity, by any of the
following methods:
(1) Electronically through
www.regulations.gov (preferred
method).
(2) By mail sent to: AmeriCorps,
Attention Rhonda Taylor, 250 E Street
SW, Washington, DC 20525.
(3) By hand delivery or by courier to
the AmeriCorps mailroom at the mail
address given in paragraph (2) above,
between 9 a.m. and 4 p.m. eastern time,
Monday through Friday, except Federal
holidays.

KHAMMOND on DSK9W7S144PROD with NOTICES

SUMMARY:

VerDate Sep<11>2014

09:31 Jan 17, 2025

Jkt 265001

Comments submitted in response to
this notice may be made available to the
public through regulations.gov. For this
reason, please do not include in your
comments information of a confidential
nature, such as sensitive personal
information or proprietary information.
If you send an email comment, your
email address will be automatically
captured and included as part of the
comment that is placed in the public
docket and made available on the
internet. Please note that responses to
this public comment request containing
any routine notice about the
confidentiality of the communication
will be treated as public comment that
may be made available to the public,
notwithstanding the inclusion of the
routine notice.
FOR FURTHER INFORMATION CONTACT:
Rhonda Taylor, (202) 355–2202 or by
email at RTaylor@americorps.gov.
SUPPLEMENTARY INFORMATION:
Title of Collection: Days of Service
Project Collection Tool.
OMB Control Number: 3045–0122.
Type of Review: Renewal.
Respondents/Affected Public:
Businesses and organizations.
Total Estimated Number of Annual
Responses: 100,000.
Total Estimated Number of Annual
Burden Hours: 17,000.
Abstract: AmeriCorps is soliciting
comments concerning the proposed
renewal of its Days of Service Project
Tool, which allows organizers of
volunteer events to register their service
projects associated with Martin Luther
King, Jr., Service Day, September 11th
Day of Service, and other volunteer
events. Respondents include national
service grantees, corporations, volunteer
organizations, government entities, and
individuals. AmeriCorps wants to help
promote Days of Service and other
relevant volunteer activities across the
country and also to assess the impact of
the agency’s initiatives. Information
provided is purely voluntary and will
not be used for any grant or funding
support. The current application is due
to expire on March 31, 2025. Comments
submitted in response to this notice will
be summarized and/or included in the
request for OMB approval.
Comments are invited on: (a) Whether
the collection of information is
necessary for the proper performance of
the functions of the agency, including
whether the information shall have
practical utility; (b) the accuracy of the
agency’s estimate of the burden of the
collection of information; (c) ways to
enhance the quality, utility, and clarity
of the information to be collected; (d)
ways to minimize the burden of the

PO 00000

Frm 00026

Fmt 4703

Sfmt 4703

collection of information on
respondents, including through the use
of automated collection techniques or
other forms of information technology;
and (e) estimates of capital or start-up
costs and costs of operation,
maintenance, and purchase of services
to provide information. Burden means
the total time, effort, or financial
resources expended by persons to
generate, maintain, retain, disclose or
provide information to or for a Federal
agency. This includes the time needed
to review instructions; to develop,
acquire, install and utilize technology
and systems for the purpose of
collecting, validating and verifying
information, processing and
maintaining information, and disclosing
and providing information; to train
personnel and to be able to respond to
a collection of information, to search
data sources, to complete and review
the collection of information; and to
transmit or otherwise disclose the
information. All written comments will
be available for public inspection on
regulations.gov.
Rhonda Taylor,
Director of Partnerships and Program
Engagement.
[FR Doc. 2025–01093 Filed 1–16–25; 8:45 am]
BILLING CODE 6050–28–P

DEPARTMENT OF DEFENSE
Office of the Secretary
[Docket ID: DoD–2022–OS–0113]

Submission for OMB Review;
Comment Request
Office of the Under Secretary of
Defense for Personnel and Readiness
(OUSD (P&R)), Department of Defense
(DoD).
ACTION: 30-Day information collection
notice.
AGENCY:

The DoD has submitted to the
Office of Management and Budget
(OMB) for clearance the following
proposal for collection of information
under the provisions of the Paperwork
Reduction Act.
DATES: Consideration will be given to all
comments received by February 18,
2025.
SUMMARY:

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

ADDRESSES:

E:\FR\FM\17JAN1.SGM

17JAN1