Agency Information Collection Activities; Proposed Collection; Comment Request; Extension

Published date17 May 2021
Citation86 FR 26725
Record Number2021-10285
SectionNotices
CourtFederal Trade Commission
26725
Federal Register / Vol. 86, No. 93 / Monday, May 17, 2021 / Notices
when the list of FCC ICRs currently
under review appears, look for the Title
of this ICR and then click on the ICR
Reference Number. A copy of the FCC
submission to OMB will be displayed.
SUPPLEMENTARY INFORMATION
: As part of
its continuing effort to reduce
paperwork burdens, as required by the
Paperwork Reduction Act (PRA) of 1995
(44 U.S.C. 3501–3520), the FCC invited
the general public and other Federal
Agencies to take this opportunity to
comment on the following information
collection. Comments are requested
concerning: (a) Whether the proposed
collection of information is necessary
for the proper performance of the
functions of the Commission, including
whether the information shall have
practical utility; (b) the accuracy of the
Commission’s burden estimates; (c)
ways to enhance the quality, utility, and
clarity of the information collected; and
(d) ways to minimize the burden of the
collection of information on the
respondents, including the use of
automated collection techniques or
other forms of information technology.
Pursuant to the Small Business
Paperwork Relief Act of 2002, Public
Law 107–198, see 44 U.S.C. 3506(c)(4),
the FCC seeks specific comment on how
it might ‘‘further reduce the information
collection burden for small business
concerns with fewer than 25
employees.’’
OMB Control Number: 3060–1257.
Title: New Procedure for Non-Federal
Public Safety Entities to License Federal
Government Interoperability Channels.
Form Number: N/A.
Type of Review: Extension of a
currently approved collection.
Respondents: Not-for-profit
institutions; State, local, or tribal
government.
Number of Respondents and
Responses: 45,947 respondents; 45,947
responses.
Estimated Time per Response: 0.25
hours.
Frequency of Response: One-time
reporting requirement.
Obligation to Respond: Section 90.25
adopted in Order DA 18–282, requires
any non-federal public safety entity
seeking to license mobile and portable
units on the Federal Interoperability
Channels to obtain written concurrence
from its Statewide Interoperability
Coordinator (SWIC) or a state appointed
official and include such written
concurrence with its application for
license. A non-federal public safety
entity may communicate on designated
Federal Interoperability Channels for
joint federal/non-federal operations,
provided it first obtains a license from
the Commission authorizing use of the
channels. Statutory authority for these
collections are contained in 47 U.S.C.
151, 154, 301, 303, and 332 of the
Communications Act of 1934.
Total Annual Burden: 11,487 hours.
Total Annual Cost: No cost.
Privacy Act Impact Assessment: No
impact(s).
Nature and Extent of Confidentiality:
Applicants who include written
concurrence from their SWIC or state
appointed official with their application
to license mobile and portable units on
the Federal Interoperability Channels
need not include any confidential
information with their application.
Nonetheless, there is a need for
confidentiality with respect to all
applications filed with the Commission
through its Universal Licensing System
(ULS). Although ULS stores all
information pertaining to the individual
license via an FCC Registration Number
(FRN), confidential information is
accessible only by persons or entities
that hold the password for each account,
and the Commission’s licensing staff.
Information on private land mobile
radio licensees is maintained in the
Commission’s system of records, FCC/
WTB–1, ‘‘Wireless Services Licensing
Records.’’ The licensee records will be
publicly available and routinely used in
accordance with subsection (b) of the
Privacy Act. TIN Numbers and material
which is afforded confidential treatment
pursuant to a request made under 47
CFR 0.459 will not be available for
Public inspection. Any personally
identifiable information (PII) that
individual applicants provide is covered
by a system of records, FCC/WTB–1,
‘‘Wireless Services Licensing Records,’’
and these and all other records may be
disclosed pursuant to the Routine Uses
as stated in this system of records
notice.
Needs and Uses: This collection will
be submitted as an extension of a
currently approved collection after this
60-day comment period to the Office of
Management and Budget (OMB) in order
to obtain the full three-year clearance.
The purpose of requiring a non-federal
public safety entity to obtain written
consent from its SWIC or state
appointed official before
communicating with federal
government agencies on the Federal
Interoperability Channels is to ensure
that the non-federal public safety entity
operates in accordance with the rules
and procedures governing use of the
federal interoperability channels and
does not cause inadvertent interference
during emergencies. Commission staff
will use the written concurrence from
the SWIC or state appointed official to
determine if an applicant’s proposed
operation on the Federal
Interoperability Channels conforms to
the terms of an agreement signed by the
SWIC or state appointed official with a
federal user with a valid assignment
from the National Telecommunications
and Information Administration (NTIA)
which has jurisdiction over the
channels.
Federal Communications Commission.
Marlene Dortch,
Secretary, Office of the Secretary.
[FR Doc. 2021–10309 Filed 5–14–21; 8:45 am]
BILLING CODE 6712–01–P
FEDERAL MARITIME COMMISSION
Sunshine Act Meeting
TIME AND DATE
: May 19, 2021; 10 a.m.
PLACE
: This meeting will be held by
video-conference only.
STATUS
: This meeting will be open to the
public.
MATTERS TO BE CONSIDERED
:
1. National Shipper Advisory
Committee and Federal Advisory
Committee Act Implementation.
2. Staff Briefing on Options to Update
and Publish Commission Organizational
Information and Delegations of
Authority.
CONTACT PERSON FOR MORE INFORMATION
:
Rachel Dickon, Secretary, (202) 523–
5725.
Rachel Dickon,
Secretary.
[FR Doc. 2021–10451 Filed 5–13–21; 4:15 pm]
BILLING CODE 6730–02–P
FEDERAL TRADE COMMISSION
Agency Information Collection
Activities; Proposed Collection;
Comment Request; Extension
AGENCY
: Federal Trade Commission.
ACTION
: Notice.
SUMMARY
: In accordance with the
Paperwork Reduction Act of 1995
(‘‘PRA’’), the Federal Trade Commission
(‘‘FTC’’ or ‘‘Commission’’) is seeking
public comment on its proposal to
extend for an additional three years the
Office of Management and Budget
clearances for information collection
requirements in Regulations B, E, M,
and Z, which are enforced by the
Commission. These clearances expire on
September 30, 2021.
DATES
: Comments must be filed by July
16, 2021.
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Federal Register / Vol. 86, No. 93 / Monday, May 17, 2021 / Notices
1
12 CFR pt. 1002 (Reg. B) (81 FR 25323, Apr. 28,
2016); 12 CFR pt. 1005 (Reg. E) (81 FR 25323, Apr.
28, 2016) 12 CFR pt. 1013 (Reg. M) (81 FR 25323,
Apr. 28, 2016); 12 CFR pt. 1026 (Reg. Z) (81 FR
25323, Apr. 28, 2016).
2
Generally, these are dealers ‘‘predominantly
engaged in the sale and servicing of motor vehicles,
the leasing and servicing of motor vehicles, or
both.’’ See Dodd-Frank Act, §1029, 12 U.S.C.
5519(a), (c).
3
See Dodd-Frank Act, §1075, 15 U.S.C. 1693
(these requirements are implemented through Board
Regulation II, 12 CFR pt. 235, rather than EFTA’s
implementing Regulation E).
4
The FTC’s enforcement authority includes state-
chartered credit unions; other federal agencies also
have various enforcement authority over credit
unions. For example, for large credit unions
(exceeding $10 billion in assets), the CFPB has
certain authority. The National Credit Union
Administration also has certain authority for state-
chartered federally insured credit unions, and it
additionally provides insurance for certain state-
chartered credit unions through the National Credit
Union Share Insurance Fund and examines credit
unions for various purposes. There are
approximately three state-chartered credit unions
exceeding $10 billion in assets, and the CFPB
assumes PRA burden for those entities. As of the
fourth quarter of 2020, there were approximately
2,126 state-chartered credit unions—1,914 which
were federally insured, an estimated 112 or more
which were privately insured, and an estimated 100
or more in Puerto Rico which were insured by a
quasi-governmental entity. Because of the difficulty
in parsing out PRA burden for such entities in view
of the overlapping authority, the FTC’s figures
include PRA burden for all state-chartered credit
unions. However, in view of fluctuations due to
COVID–19 and to avoid undercounting, we have
retained the prior estimate of 2,300 state-chartered
credit unions. As noted above, the CFPB’s figures
as to state-chartered credit unions include burden
for those entities exceeding $10 billion in assets.
See generally Dodd-Frank Act, §§1061, 1025, 1026.
This attribution does not change actual enforcement
authority. We also have retained the prior burden
hours generally in the estimates below, in view of
these considerations.
5
The CFPB also factors into its burden estimates
respondents over which it has jurisdiction but the
FTC does not.
6
See Dodd-Frank Act §1029, 12 U.S.C. 5519(a),
as limited by subsection (b) as to motor vehicle
dealers. Subsection (b) does not preclude CFPB
regulatory oversight regarding, among others,
businesses that extend retail credit or retail leases
for motor vehicles in which the credit or lease
offered is provided directly from those businesses,
rather than unaffiliated third parties, to consumers.
It is not practicable, however, for PRA purposes, to
estimate the portion of dealers that engage in one
form of financing versus another (and that would
or would not be subject to CFPB oversight). Thus,
FTC staff’s PRA burden analysis reflects a general
estimated volume of motor vehicle dealers. This
attribution does not change actual enforcement
authority.
7
See Dodd-Frank Act §1029, 12 U.S.C. 5519(a),
(c).
8
PRA ‘‘burden’’ does not include ‘‘time, effort,
and financial resources’’ expended in the normal
course of business, regardless of any regulatory
requirement. See 5 CFR 1320.3(b)(2).
ADDRESSES
: Interested parties may file a
comment online or on paper, by
following the instructions in the
Request for Comment part of the
SUPPLEMENTARY INFORMATION
section
below. Write ‘‘Regs BEMZ, PRA
Comments, P084812’’ on your comment
and file your comment online at https://
www.regulations.gov, by following the
instructions on the web-based form. If
you prefer to file your comment on
paper, mail your comment to the
following address: Federal Trade
Commission, Office of the Secretary,
600 Pennsylvania Avenue NW, Suite
CC–5610 (Annex J), Washington, DC
20580, or deliver your comment to the
following address: Federal Trade
Commission, Office of the Secretary,
Constitution Center, 400 7th Street SW,
5th Floor, Suite 5610 (Annex J),
Washington, DC 20024.
FOR FURTHER INFORMATION CONTACT
:
Carole Reynolds or Stephanie
Rosenthal, Attorneys, Division of
Financial Practices, Bureau of Consumer
Protection, Federal Trade Commission,
600 Pennsylvania Ave. NW,
Washington, DC 20580, (202) 326–3224.
SUPPLEMENTARY INFORMATION
: The four
regulations covered by this notice are:
(1) Regulations promulgated under
the Equal Credit Opportunity Act, 15
U.S.C. 1691 et seq. (‘‘ECOA’’)
(‘‘Regulation B’’) (OMB Control Number:
3084–0087);
(2) Regulations promulgated under
the Electronic Fund Transfer Act, 15
U.S.C. 1693 et seq. (‘‘EFTA’’)
(‘‘Regulation E’’) (OMB Control Number:
3084–0085);
(3) Regulations promulgated under
the Consumer Leasing Act, 15 U.S.C.
1667 et seq. (‘‘CLA’’) (‘‘Regulation M’’)
(OMB Control Number: 3084–0086); and
(4) Regulations promulgated under
the Truth-In-Lending Act, 15 U.S.C.
1601 et seq. (‘‘TILA’’) (‘‘Regulation Z’’)
(OMB Control Number: 3084–0088).
Type of Review: Extension without
change of currently approved collection.
Affected Public: Private Sector:
Businesses and other for-profit entities.
Discussion: Under the Dodd-Frank
Wall Street Reform and Consumer
Protection Act (‘‘Dodd-Frank Act’’),
Public Law 111–203, 124 Stat. 1376
(2010), almost all rulemaking authority
for the ECOA, EFTA, CLA, and TILA
transferred from the Board of Governors
of the Federal Reserve System (Board) to
the Consumer Financial Protection
Bureau (CFPB) on July 21, 2011
(‘‘transfer date’’). To implement this
transferred authority, the CFPB
published new regulations in 12 CFR
part 1002 (Regulation B), 12 CFR part
1005 (Regulation E), 12 CFR part 1013
(Regulation M), and 12 CFR part 1026
(Regulation Z) for those entities under
its rulemaking jurisdiction.
1
Although
the Dodd-Frank Act transferred most
rulemaking authority under ECOA,
EFTA, CLA, and TILA to the CFPB, the
Board retained rulemaking authority for
certain motor vehicle dealers
2
under all
of these statutes and also for certain
interchange-related requirements under
EFTA.
3
As a result of the Dodd-Frank Act, the
FTC and the CFPB generally share the
authority to enforce Regulations B, E, M,
and Z for entities for which the FTC had
enforcement authority before the Act,
except for certain motor vehicle
dealers.
4
Because of this shared
enforcement jurisdiction, the two
agencies have divided the FTC’s
previously-cleared PRA burden
estimates between them,
5
except that
the FTC has assumed all of the burden
estimates associated with motor vehicle
dealers
6
and state-chartered credit
unions. The division of PRA burden
hours not attributable to motor vehicle
dealers and state-chartered credit
unions is reflected in the CFPB’s PRA
clearance requests to OMB, as well as in
the FTC’s burden estimates below.
Pursuant to the Dodd-Frank Act, the
FTC generally has sole authority to
enforce Regulations B, E, M, and Z
regarding certain motor vehicle dealers
predominantly engaged in the sale and
servicing of motor vehicles, the leasing
and servicing of motor vehicles, or both,
that, among other things, assign their
contracts to unaffiliated third parties.
7
Because the FTC has exclusive
jurisdiction to enforce these rules for
such motor vehicle dealers and retains
its concurrent authority with the CFPB
for other types of motor vehicle dealers,
and in view of the different types of
motor vehicle dealers, the FTC retains
the entire PRA burden for motor vehicle
dealers in the burden estimates below.
The regulations impose certain
recordkeeping and disclosure
requirements associated with providing
credit or with other financial
transactions. Under the PRA, 44 U.S.C.
3501–3521, Federal agencies must get
OMB approval for each collection of
information they conduct or sponsor.
‘‘Collection of information’’ includes
agency requests or requirements to
submit reports, keep records, or provide
information to a third party. See 44
U.S.C. 3502(3); 5 CFR 1320.3(c).
All four of these regulations require
covered entities to keep certain records,
but FTC staff believes these records are
kept in the normal course of business
even absent the particular
recordkeeping requirements.
8
Covered
entities, however, may incur some
burden associated with ensuring that
they do not prematurely dispose of
relevant records (i.e., during the time
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9
For example, large companies may use
computer-based and/or electronic means to provide
required disclosures, including issuing some
disclosures en masse, e.g., notice of changes in
terms. Smaller companies may have less automated
compliance systems but may nonetheless rely on
electronic mechanisms for disclosures and
recordkeeping. Regardless of size, some entities
may utilize compliance systems that are fully
integrated into their general business operational
system; if so, they may have minimal additional
burden. Other entities may have incorporated fewer
of these approaches into their systems and thus may
have a higher burden.
10
The Commission generally does not have
jurisdiction over banks, thrifts, and federal credit
unions under the applicable regulations.
11
These inputs are based broadly on mean hourly
data found within the ‘‘Bureau of Labor Statistics,
Economic News Release,’’ March 31, 2021, Table 1,
‘‘National employment and wage data from the
Occupational Employment and Wage Statistics
survey by occupation, May 2020.’’ http://
www.bls.gov/news.release/ocwage.t01.htm.
12
See 5 CFR 1320.4(a) (excluding information
collected in response to, among other things, a
federal civil action or ‘‘during the conduct of an
administrative action, investigation, or audit
involving an agency against specific individuals or
entities’’).
13
Regulation B contains model forms that
creditors may use to gather and retain the required
information.
14
In contrast to banks, for example, entities under
FTC jurisdiction are not subject to audits by the
FTC for compliance with Regulation B; rather they
may be subject to FTC investigations and
enforcement actions. This may impact the level of
self-testing (as specifically defined by Regulation B)
in a given year, and staff has sought to address such
factors in its burden estimates.
15
While the rule also requires the creditor to
provide a short written disclosure regarding the
appraisal process, the disclosure is provided by the
CFPB, and is thus not a ‘‘collection of information’’
for PRA purposes. Accordingly, it is not included
in burden estimates below.
span they must retain records under the
applicable regulation).
The regulations also require covered
entities to make disclosures to third
parties. Related compliance involves
set-up/monitoring and transaction-
specific costs. ‘‘Set-up’’ burden,
incurred only by covered new entrants,
includes identifying the applicable
required disclosures, determining how
best to comply, and designing and
developing compliance systems and
procedures. ‘‘Monitoring’’ burden,
incurred by all covered entities,
includes their time and costs to review
changes to regulatory requirements,
make necessary revisions to compliance
systems and procedures, and to monitor
the ongoing operation of systems and
procedures to ensure continued
compliance. ‘‘Transaction-related’’
burden refers to the time and cost
associated with providing the various
required disclosures in individual
transactions, thus, generally, of much
lesser magnitude than ‘‘setup’’ and
‘‘monitoring’’ burden. The FTC’s
estimates of transaction time and
volume are intended as averages. The
population of affected motor vehicle
dealers is one component of a much
larger universe of such entities.
The required disclosures do not
impose PRA burden on some covered
entities because they make those
disclosures in the normal course of
business. For other covered entities that
do not, their compliance burden will
vary depending on the extent to which
they have developed effective computer-
based or electronic systems and
procedures to communicate and
document required disclosures.
9
The respondents included in the
following burden calculations consist
of, among others, credit and lease
advertisers, creditors, owners (such as
purchasers and assignees) of credit
obligations, financial institutions,
service providers, certain government
agencies and others involved in
delivering electronic fund transfers
(‘‘EFTs’’) of government benefits, and
lessors.
10
The burden estimates
represent FTC staff’s best assessment,
based on its knowledge and expertise
relating to the financial services
industry, of the average time to
complete the aforementioned tasks
associated with recordkeeping and
disclosure. Staff considered the wide
variations in covered entities’ (1) size
and location; (2) credit or lease products
offered, extended, or advertised, and
their particular terms; (3) EFT types
used; (4) types and frequency of adverse
actions taken; (5) types of appraisal
reports utilized; and (6) computer
systems and electronic features of
compliance operations.
The cost estimates that follow relate
solely to labor costs, and they include
the time necessary to train employees
how to comply with the regulations.
Staff calculated labor costs by
multiplying appropriate hourly wages
by the burden hours described above.
The hourly wages used were $60 for
managerial oversight, $44 for skilled
technical services, and $18 for clerical
work. These figures are averages drawn
from Bureau of Labor Statistics data.
11
Further, these cost estimates assume the
following labor category
apportionments, except where
otherwise indicated below:
Recordkeeping—10% skilled technical,
90% clerical; disclosure—10%
managerial, 90% skilled technical.
The applicable PRA requirements
impose minimal capital or other non-
labor costs. Affected entities generally
already have the necessary equipment
for other business purposes. Similarly,
FTC staff estimates that compliance
with these rules entails minimal
printing and copying costs beyond that
associated with documenting financial
transactions in the normal course of
business.
The following discussion and tables
present estimates under the PRA of
recordkeeping and disclosure average
time and labor costs, excluding that
which FTC staff believes entities incur
customarily in the normal course of
business and information compiled and
produced in response to FTC law
enforcement investigations or
prosecutions.
12
1. Regulation B
The ECOA prohibits discrimination in
the extension of credit. Regulation B
implements the ECOA, establishing
disclosure requirements to assist
customers in understanding their rights
under the ECOA and recordkeeping
requirements to assist agencies in
enforcement. Regulation B applies to
retailers, mortgage lenders, mortgage
brokers, finance companies, and others.
FTC staff estimates that Regulation B’s
general recordkeeping requirements
affect 530,762 credit firms subject to the
Commission’s jurisdiction, at an average
annual burden of 1.25 hours per firm for
a total of 663,453 hours. Staff also
estimates that the requirement that
mortgage creditors monitor information
about race/national origin, sex, age, and
marital status imposes a maximum
burden of one minute each (of skilled
technical time) for approximately 2.6
million credit applications (based on
industry data regarding the approximate
number of mortgage purchase and
refinance originations), for a total of
43,333 hours.
13
Staff also estimates that
recordkeeping of self-testing subject to
the regulation would affect 1,500 firms,
with an average annual burden of one
hour (of skilled technical time) per firm,
for a total of 1,500 hours, and that
recordkeeping of any corrective action
as a result of self-testing would affect
10% of them, i.e., 150 firms, with an
average annual burden of four hours (of
skilled technical time) per firm, for a
total of 600 hours.
14
This yields a total
annual recordkeeping burden of 708,886
hours.
Regulation B requires that creditors
(i.e., entities that regularly participate in
the decision whether to extend credit
under Regulation B) provide notices
whenever they take adverse action, such
as denial of a credit application. It
requires entities that extend mortgage
credit with first liens to provide a copy
of the appraisal report or other written
valuation to applicants.
15
Finally,
Regulation B also requires that for
accounts that spouses may use or for
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16
The disclosure may be provided orally or in
writing. The model form provided by Regulation B
assists creditors in providing the written disclosure.
which they are contractually liable,
creditors who report credit history must
do so in a manner reflecting both
spouses’ participation. Further, it
requires creditors that collect applicant
characteristics for purposes of
conducting a self-test to disclose to
those applicants that: (1) Providing the
information is optional; (2) the creditor
will not take the information into
account in any aspect of the credit
transactions; and (3) if applicable, the
information will be noted by visual
observation or surname if the applicant
chooses not to provide it.
16
Burden
estimates relating to the disclosures
required under Regulation B and labor
cost estimates are provided in the tables
below.
Burden Totals
Recordkeeping: 708,886 hours;
$15,666,176, associated labor costs.
Disclosures: 1,088,912 hours;
$49,654,400, associated labor costs.
R
EGULATION
B—D
ISCLOSURES
—B
URDEN
H
OURS
Disclosures
Setup/monitoring
1
Transaction-related
Respondents
Average
burden per
respondent
(hours)
Total setup/
monitoring
burden
(hours)
Number of
transactions
Average
burden per
transaction
(minutes)
Total
transaction
burden
(hours)
Total
burden
(hours)
Credit history reporting .................................. 133,553 .25 33,388 60,098,850 .25 250,412 283,800
Adverse action notices .................................. 530,762 .75 398,072 92,883,350 .25 387,014 785,086
Appraisal reports/written valuations .............. 4,650 1 4,650 1,725,150 .50 14,376 19,026
Self-test disclosures ...................................... 1,500 .5 750 60,000 .25 250 1,000
Total ....................................................... ........................ ........................ ........................ ........................ ........................ ........................ 1,088,912
1
The estimates assume that all applicable entities would be affected, with respect to appraisal reports and other written valuations.
R
EGULATION
B—R
ECORDKEEPING AND
D
ISCLOSURES
—C
OST
Required task
Managerial Skilled technical Clerical
Total cost
($) Time
(hours) Cost
($60/hr.) Time
(hours) Cost
($44/hr.) Time
(hours) Cost
($18/hr.)
General recordkeeping .................................. 0 $0 66,345 $2,919,180 597,108 $10,747,944 $13,667,124
Other recordkeeping ..................................... 0 0 43,333 1,906,652 0 0 1,906,652
Recordkeeping of self-test ............................ 0 0 1,500 66,000 0 0 66,000
Recordkeeping of corrective action .............. 0 0 600 26,400 0 0 26,400
Total Recordkeeping .............................. ........................ ........................ ........................ ........................ ........................ ........................ 15,666,176
Disclosures:
Credit history reporting .......................... 28,380 1,702,800 255,420 11,238,480 0 0 12,941,280
Adverse action notices ........................... 78,509 4,710,540 706,577 31,089,388 0 0 35,799,928
Appraisal reports .................................... 1,903 114,180 17,123 753,412 0 0 867,592
Self-test disclosure ................................. 100 6,0000 900 39,600 0 0 45,600
Total Disclosures ............................ ........................ ........................ ........................ ........................ ........................ ........................ 49,654,400
Total Recordkeeping and Dis-
closures ................................ ........................ ........................ ........................ ........................ ........................ ........................ 65,320,576
2. Regulation E
The EFTA requires that covered
entities provide consumers with
accurate disclosure of the costs, terms,
and rights relating to EFT and certain
other services. Regulation E implements
the EFTA, establishing disclosure and
other requirements to aid consumers
and recordkeeping requirements to
assist agencies with enforcement. It
applies to financial institutions,
retailers, gift card issuers and others that
provide gift cards, service providers,
various federal and state agencies
offering EFTs, prepaid account entities,
etc. Staff estimates that Regulation E’s
recordkeeping requirements affect
251,053 firms offering EFT and certain
other services to consumers and that are
subject to the Commission’s
jurisdiction, at an average annual
burden of one hour per firm, for a total
of 251,053 hours. Burden estimates
relating to the disclosures required
under Regulation E and labor cost
estimates are provided in the tables
below.
Burden Totals
Recordkeeping: 251,053 hours;
$5,171,684, associated labor costs.
Disclosures: 7,184,903 hours;
$327,631,676, associated labor costs.
R
EGULATION
E—D
ISCLOSURES
—B
URDEN
H
OURS
Disclosures
Setup/monitoring Transaction-related
Respondents
Average
burden per
respondent
(hours)
Total setup/
monitoring
burden
(hours)
Number of
transactions
Average
burden per
transaction
(minutes)
Total
transaction
burden
(hours)
Total
burden
(hours)
Initial terms .................................................... 27,300 .5 13,650 273,000 .02 91 13,741
Change in terms ............................................ 8,550 .5 4,275 11,286,000 .02 3,762 8,037
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R
EGULATION
E—D
ISCLOSURES
—B
URDEN
H
OURS
—Continued
Disclosures
Setup/monitoring Transaction-related
Respondents
Average
burden per
respondent
(hours)
Total setup/
monitoring
burden
(hours)
Number of
transactions
Average
burden per
transaction
(minutes)
Total
transaction
burden
(hours)
Total
burden
(hours)
Periodic statements ....................................... 27,300 .5 13,650 327,600,000 .02 109,200 122,850
Error resolution .............................................. 27,300 .5 13,650 273,000 5 22,750 36,400
Transaction receipts ...................................... 27,300 .5 13,650 1,375,000,000 .02 458,333 471,983
Preauthorized transfers ................................. 258,553 .5 129,277 6,463,825 .25 26,933 156,210
Service provider notices ................................ 20,000 .25 5,000 200,000 .25 833 5,833
ATM notices .................................................. 125 .25 31 25,000,000 .25 104,167 104,198
Electronic check conversion ......................... 48,553 .5 24,277 728,295 .02 243 24,520
Overdraft services ......................................... 15,000 .5 7,500 1,500,000 .02 500 8,000
Gift cards ....................................................... 15,000 .5 7,500 750,000,000 .02 250,000 257,500
Remittance transfers:
Disclosures ............................................. 4,800 1.25 6,000 96,000,000 .9 1,440,000 1,446,000
Error resolution ...................................... 4,800 1.25 6,000 120,960,000 .9 1,814,400 1,820,400
Agent compliance .................................. 4,800 1.25 6,000 96,000,000 .9 1,440,000 1,446,000
Prepaid accounts and gov’t benefits:
Disclosures ............................................. 550
1
40 × 10 220,000 2,750,000,000 .02 916,667 1,136,667
Disclosures—updates ............................ 138 1 × 10
2
1,380 N/A ........................ ........................ 1,380
Access to account information ............... 550
3
20 ×10 110,000 1,100,000 .01 183 110,183
Error resolution ...................................... 300 4 × 4 4,800 275,000 2 9,167 13,967
Error resolution—followup
4
................... ........................ N/A ........................ 1,380 30 690 690
Submission of agreements .................... 138 2 × 1 276 690 1 11 287
Updates to agreements
5
....................... ........................ N/A ........................ 690 5 57 57
Total ................................................ ........................ ........................ ........................ ........................ ........................ ........................ 7,184,903
1
Burden hours are on a per program basis. Individual burden hours are listed first, followed by the number of programs.
2
Individual burden hours are listed first, followed by the number of programs.
3
Burden hours are on a per program basis; individual burden hours are listed first, followed by the number of programs.
4
This pertains to prepaid accounts.
5
This pertains to prepaid accounts’ agreements.
R
EGULATION
E—R
ECORDKEEPING AND
D
ISCLOSURES
—C
OST
Required task
Managerial Skilled technical Clerical
Total cost
($) Time
(hours) Cost
($60/hr.) Time
(hours) Cost
($44/hr.) Time
(hours) Cost
($18/hr.)
Recordkeeping .............................................. 0 $0 25,105 $1,104,620 225,948 $4,067,064 $5,171,684
Disclosures:
Initial terms ............................................. 1,374 82,440 12,367 544,148 0 0 626,588
Change in terms .................................... 804 48,240 7,233 318,252 0 0 366,492
Periodic statements ............................... 12,285 737,100 110,565 4,864,860 0 0 5,601,960
Error resolution ...................................... 3,640 218,400 32,760 1,441,440 0 0 1,659,840
Transaction receipts ............................... 47,198 2,831,880 424,785 18,690,540 0 0 21.522,420
Preauthorized transfers .......................... 15,621 937,260 140,589 6,185,916 0 0 7,123,176
Service provider notices ........................ 583 34,980 5,250 231,000 0 0 265,980
ATM notices ........................................... 10,420 625,200 93,778 4,126,232 0 0 4,751,432
Electronic check conversion .................. 2,452 147,120 22,068 970,992 0 0 1,118,112
Overdraft services .................................. 800 48,000 7,200 316,800 0 0 364,800
Gift cards ................................................ 25,750 1,545,000 231,750 10,197,000 0 0 11,742,000
Remittance transfers:
Disclosures ............................................. 144,600 8,676,000 1,301,400 57,261,600 0 0 65,937,600
Error resolution ...................................... 182,040 10,922,400 1,638,360 72,087,840 0 0 83,010,240
Agent compliance .................................. 144,600 8,676,000 1,301,400 57,261,600 0 0 65,937,600
Prepaid accounts and gov’t. benefits:
Disclosures ............................................. 113,667 6,820,020 1,023,000 45,012,000 0 0 51,832,020
Disclosures—updates ............................ 138 8,2808 1,242 54,648 0 0 62,928
Access to account information ............... 11,018 661,080 99,165 4,363,260 0 0 5,024,340
Error resolution ...................................... 1,397 83,820 12,570 553,080 0 0 636,900
Error resolution—followup ...................... 69 4,140 621 27,324 0 0 31,464
Submission of agreements .................... 29 1,740 259 11,396 0 0 13,136
Updates to agreements ......................... 6 360 52 2,288 0 0 2,648
Total Disclosures ............................ ........................ ........................ ........................ ........................ ........................ ........................ 327,631,676
Total Recordkeeping and Dis-
closures ................................ ........................ ........................ ........................ ........................ ........................ ........................ 332,803,360
3. Regulation M
The CLA requires that covered
entities provide consumers with
accurate disclosure of the costs and
terms of leases. Regulation M
implements the CLA, establishing
disclosure requirements to help
consumers comparison shop and
understand the terms of leases and
recordkeeping requirements. It applies
to vehicle lessors (such as auto dealers,
independent leasing companies, and
manufacturers’ captive finance
companies), computer lessors (such as
computer dealers and other retailers),
furniture lessors, various electronic
commerce lessors, diverse types of lease
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17
Recordkeeping and disclosure burden estimates
for Regulation M are more substantial for motor
vehicle leases than for other leases, including
burden estimates based on market changes and
regulatory definitions of coverage. Based on
industry information, the estimates for
recordkeeping and disclosure costs assume the
following: 90% managerial, and 10% skilled
technical. As noted above, for purposes of PRA
burden calculations for Regulations B, E, M, and Z,
and given the different types of motor vehicle
dealers, the FTC is including in its estimates burden
for all of them.
18
While Regulation Z also requires the creditor to
provide a short written disclosure regarding the
appraisal process for higher-priced mortgage loans,
the disclosure is provided by the CFPB. As a result,
it is not a ‘‘collection of information’’ for PRA
purposes (see 5 CFR 1320.3(c)(2)). It is thus
excluded from the burden estimates below.
advertisers, and others. Staff estimates
that Regulation M’s recordkeeping
requirements affect approximately
30,203 firms within the FTC’s
jurisdiction leasing products to
consumers at an average annual burden
of one hour per firm, for a total of
30,203 hours. Burden estimates relating
to the disclosures required under
Regulation M and labor cost estimates
are provided in the tables below.
Burden Totals
17
Recordkeeping: 30,203 hours;
$1,763,860, associated labor costs.
Disclosures: 71,750 hours; $4,190,200,
associated labor costs.
R
EGULATION
M—D
ISCLOSURES
—B
URDEN
H
OURS
Disclosures
Setup/monitoring Transaction-related
Respondents
Average
burden per
respondent
(hours)
Total setup/
monitoring
burden
(hours)
Number of
transactions
Average
burden per
transaction
(minutes)
Total
transaction
burden
(hours)
Total
burden
(hours)
Motor Vehicle Leases
1
................................. 26,690 1 26,690 4,000,000 .50 33,333 60,023
Other Leases
2
.............................................. 3,513 .50 1,757 60,000 .25 250 2,007
Advertising ..................................................... 14,615 .50 7,308 578,960 .25 2,412 9,720
Total ....................................................... ........................ ........................ ........................ ........................ ........................ ........................ 71,750
1
This category focuses on consumer vehicle leases. Vehicle leases are subject to more lease disclosure requirements (pertaining to computation of payment obli-
gations) than other lease transactions. (Only consumer leases for more than four months are covered.) See 15 U.S.C. 1667(1); 12 CFR 1013.2(e)(1). CLA and Regu-
lation M now cover leases up to $58,300 plus an annual adjustment.
2
This category focuses on all types of consumer leases other than vehicle leases. It includes leases for computers, other electronics, small appliances, furniture,
and other transactions. (Only consumer leases for more than four months are covered.) See 15 U.S.C. 1667(1); 12 CFR 1013.2(e)(1). CLA and Regulation M now
cover leases up to $58,300 plus an annual adjustment.
R
EGULATION
M—R
ECORDKEEPING AND
D
ISCLOSURES
—C
OST
Required task
Managerial Skilled technical Clerical
Total cost
($) Time
(hours) Cost
($60/hr.) Time
(hours) Cost
($44/hr.) Time
(hours) Cost
($18/hr.)
Recordkeeping .............................................. 27,183 $1,630,980 3,020 $132,880 0 $0 $1,763,860
Disclosures:
Motor Vehicle Leases ............................ 54,021 3,241,260 6,002 264,088 0 0 3,505,348
Other Leases ......................................... 1,806 108,360 201 8,844 0 0 117,204
Advertising ............................................. 8,748 524,880 972 42,768 0 0 567,648
Total Disclosures ............................ ........................ ........................ ........................ ........................ ........................ ........................ 4,190,200
Total Recordkeeping and Dis-
closures ................................ ........................ ........................ ........................ ........................ ........................ ........................ 5,954,060
4. Regulation Z
The TILA was enacted to foster
comparison credit shopping and
informed credit decisionmaking by
requiring creditors and others to provide
accurate disclosures regarding the costs
and terms of credit to consumers.
Regulation Z implements the TILA,
establishing disclosure requirements to
assist consumers and recordkeeping
requirements to assist agencies with
enforcement. These requirements
pertain to open-end and closed-end
credit and apply to various types of
entities, including mortgage companies;
finance companies; auto dealerships;
private education loan companies;
merchants who extend credit for goods
or services; credit advertisers; acquirers
of mortgages; and others. Additional
requirements also exist in the mortgage
area, including for high cost mortgages,
higher-priced mortgage loans,
18
ability
to pay of mortgage consumers, mortgage
servicing, loan originators, and certain
integrated mortgage disclosures. FTC
staff estimates that Regulation Z’s
recordkeeping requirements affect
approximately 430,762 entities subject
to the Commission’s jurisdiction, at an
average annual burden of 1.25 hours per
entity with .25 additional hours per
entity for 3,650 entities (ability to pay),
and 5 additional hours per entity for
4,500 entities (loan originators). This
yields a total annual recordkeeping
burden of 561,866 hours. Burden
estimates relating to the disclosures
required under Regulation Z and labor
cost estimates are provided in the tables
below.
Burden Totals
Recordkeeping: 561,866 hours;
$11,574,450, associated labor costs.
Disclosures: 7,854,575 hours;
$358,169,628, associated labor costs.
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R
EGULATION
Z—D
ISCLOSURES
—B
URDEN
H
OURS
Disclosures
1
Setup/monitoring Transaction-related
Respondents
Average
burden per
respondent
(hours)
Total setup/
monitoring
burden
(hours)
Number of
transactions
Average
burden per
transaction
(minutes)
Total
transaction
burden
(hours)
Total
burden
(hours)
Open-end credit:
Initial terms ............................................. 23,650 .75 17,738 10,500,600 .375 65,629 83,367
Initial terms—prepaid accounts ............. 3
2
4 × 1 12
3
3 × 78,667 .125 492 504
Rescission notices ................................. 750 .5 375 3,750 .25 16 391
Subsequent disclosures ......................... 4,650 .75 3,488 23,250,000 .188 72,850 76,338
Subsequent disclosures—prepaid ac-
counts ................................................. 3
4
4 × 1 12
5
3 × 78,667 .0625 246 258
Periodic statements ............................... 23,650 .75 17,738 788,325,450 .0938 1,232,415 1,250,153
Periodic statements—prepaid accounts 3
6
40 × 1 120
7
3 × 944,000 .03125 1,475 1,595
Error resolution ...................................... 23,650 .75 17,738 2,104,850 6 210,485 228,223
Error resolution—prepaid accounts fol-
lowup .................................................. 3
8
4 × 1 12
9
3 × 1,180 15 885 897
Credit and charge card accounts .......... 10,250 .75 7,688 5,125,000 .375 32,031 39,719
Credit and charge card accounts—pre-
paid accounts ..................................... 3
10
4 × 1 12
11
3 × 12 240 144 156
Settlement of estate debts ..................... 23,650 .75 17,738 496,650 .375 3,104 20,842
Special credit card requirements ........... 10,250 .75 7,688 5,125,000 .375 32,031 39,719
Home equity lines of credit .................... 750 .5 375 5,250 .25 22 397
Home equity lines of credit high-cost
mortgages ........................................... 250 2 500 1,500 2 50 550
College student credit card marketing—
ed. institutions .................................... 1,350 .5 675 81,000 .25 338 1,013
College student credit card marketing—
card issuer reports ............................. 150 .75 113 4,500 .75 56 169
Posting and reporting of credit card
agreements ......................................... 10,250 .75 7,688 5,125,000 .375 32,031 39,719
Posting and reporting of prepaid ac-
count agreements ............................... 3
12
.75 × 1 2
13
3 × 5 2.5 1 3
Advertising ............................................. 38,650 .75 28,988 115,950 .75 1,449 30,437
Advertising—prepaid accounts .............. 3
14
20 × 1 60 N/A ........................ ........................ 60
Advertising—prepaid accounts Updates 3
15
0.2 × 5 3 N/A ........................ ........................ 3
Sale, transfer, or assignment of mort-
gages .................................................. 500 .5 250 500,000 .25 2,083 2,333
Appraiser misconduct reporting ............. 301,150 .75 225,863 6,023,000 .375 37,644 263,507
Mortgage servicing ................................. 1,500 .75 1,125 150,000 .5 1,250 2,375
Loan originators ..................................... 2,250 2 4,500 22,500 5 1,875 6,375
Closed-end credit:
Credit disclosures .................................. 280,762 .75 210,572 112,304,800 2.25 4,211,430 4,422,002
Rescission notices ................................. 3,650 .5 1,825 5,475,000 1 91,250 93,075
Redisclosures ......................................... 101,150 .5 50,575 505,750 2.25 18,966 69,541
Integrated mortgage disclosures ........... 3,650 10 36,500 10,950,000 3.5 638,750 675,250
Variable rate mortgages ........................ 3,650 1 3,650 365,000 1.75 10,646 14,296
High cost mortgages .............................. 1,750 1 1,750 43,750 2 1,458 3,208
Higher priced mortgages ....................... 1,750 1 1,750 14,000 2 467 2,217
Reverse mortgages ................................ 3,025 .5 1,513 15,125 1 252 1,765
Advertising ............................................. 205,762 .5 102,881 2,057,620 1 34,294 137,175
Private education loans ......................... 75 .5 38 30,000 1.5 750 788
Sale, transfer, or assignment of mort-
gages .................................................. 48,850 .5 24,425 2,442,500 .25 10,177 34,602
Ability to pay/qualified mortgage ............ 3,650 .75 2,738 0 0 0 2,738
Appraiser misconduct reporting ............. 301,150 .75 225,863 6,023,000 .375 37,644 263,507
Mortgage servicing ................................. 3,650 1.5 5,475 730,000 2.75 33,458 38,933
Loan originators ..................................... 2,250 2 4,500 22,500 5 1,875 6,375
Total open-end credit ...................... ........................ ........................ ........................ ........................ ........................ ........................ 2,089,103
Total closed-end credit ................... ........................ ........................ ........................ ........................ ........................ ........................ 5,765,472
Total credit ............................... ........................ ........................ ........................ ........................ ........................ ........................ 7,854,575
1
Regulation Z requires disclosures for closed-end and open-end credit. TILA and Regulation Z now cover credit up to $58,300 plus an annual adjustment (except
that real estate credit and private education loans are covered regardless of amount).
2
Burden hours are on a per program basis. Individual burden hours are listed first, followed by the number of programs.
3
This figure lists the number of entities followed by the number of responses or programs each.
4
Burden hours are on a per program basis. Individual burden hours are listed first, followed by the number of programs.
5
This figure lists the number of entities followed by the number of responses or programs each.
6
Burden hours are on a per program basis. Individual burden hours are listed first, followed by the number of programs.
7
This figure lists the number of entities followed by the number of responses or programs each.
8
Burden hours are on a per program basis. Individual burden hours are listed first, followed by the number of programs.
9
This figure lists the number of entities followed by the number of responses or programs each.
10
Burden hours are on a per program basis. Individual burden hours are listed first, followed by the number of programs.
11
This figure lists the number of entities followed by the number of responses or programs each.
12
Burden hours are on a per program basis. Individual burden hours are listed first, followed by the number of programs.
13
This figure lists the number of entities followed by the number of responses or programs each.
14
Burden hours are on a per program basis. Individual burden hours are listed first, followed by the number of programs.
15
Burden hours are on a per program basis. Individual burden hours are listed first, followed by the number of programs.
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R
EGULATION
Z—R
ECORDKEEPING AND
D
ISCLOSURES
—C
OST
Required task
Managerial Skilled technical Clerical
Total cost
($) Time
(hours) Cost
($60/hr.) Time
(hours) Cost
($44/hr.) Time
(hours) Cost
($18/hr.)
Recordkeeping .............................................. 0 $0 56,187 $2,472,228 505,679 $9,102,222 $11,574,450
Open-end credit Disclosures:
Initial terms ............................................. 8,337 500,220 75,030 3,301,220 0 0 3,301,540
Initial terms—prepaid accounts ............. 50 3,000 454 19,776 0 0 22,976
Rescission notices ................................. 39 2,340 352 15,488 0 0 17,828
Subsequent disclosures ......................... 7,634 458,040 68,704 3,022,976 0 0 3,481,016
Subsequent disclosures—prepaid ac-
counts ................................................. 26 1.560 232 10,208 0 0 11,768
Periodic statements ............................... 125,015 7,500,900 1,125,138 49,506,072 0 0 57,006,972
Periodic statements—prepaid accounts 159 9,540 1436 63,184 0 0 72,724
Error resolution ...................................... 22,822 1,369,320 205,401 9,037,644 0 0 10,406,964
Error resolution—prepaid accounts fol-
lowup .................................................. 90 5,400 807 35,508 0 0 40,908
Credit and charge card accounts .......... 3,972 238,320 35,747 1,572,868 0 0 1,811,188
Credit and charge card accounts—pre-
paid accounts ..................................... 16 960 140 6,160 0 0 7,120
Settlement of estate debts ..................... 2,084 125,040 18,758 825,352 0 0 950,392
Special credit card requirements ........... 3,972 238,320 35,747 1,572,868 0 0 1,811,188
Home equity lines of credit .................... 40 2,400 357 15,708 0 0 18,108
Home equity lines of credit—high cost
mortgages ........................................... 55 3,300 495 21,780 0 0 25,080
College student credit card marketing—
ed institutions ..................................... 101 6,060 912 40,128 0 0 46,188
College student credit card marketing—
card issuer reports ............................. 17 1,020 152 6,688 0 0 7,708
Posting and reporting of credit card
agreements ......................................... 3,972 238,320 35,747 1,572,868 0 0 1,811,188
Posting and reporting of prepaid ac-
counts ................................................. 1 60 2 88 0 0 148
Advertising ............................................. 3,044 182,640 27,393 1,205,292 0 0 1,388,932
Advertising—prepaid accounts .............. 6 360 54 2,376 0 0 2,736
Advertising—prepaid accounts Updates 1 60 2 88 0 0 148
Sale, transfer, or assignment of mort-
gages .................................................. 233 13,980 2,100 92,400 0 0 106,380
Appraiser misconduct reporting ............. 26,351 1,581,060 237,156 10,434,864 0 0 12,015,924
Mortgage servicing ................................. 238 14,280 2,137 94,028 0 0 108,308
Loan originators ..................................... 638 38,280 5,737 252,428 0 0 290,708
Total open-end credit ...................... ........................ ........................ ........................ ........................ ........................ ........................ 95,264,140
Closed-end credit Disclosures:
Credit disclosures .................................. 442,200 26,532,000 3,979,802 175,111,288 0 0 201,643,208
Rescission notices ................................. 9,308 558,480 83,767 3,685,748 0 0 4,244,228
Redisclosures ......................................... 6,954 417,240 62,587 2,753,828 0 0 3,171,068
Integrated mortgage disclosures ........... 67,525 4,051,500 607,725 26,739,900 0 0 30,791,400
Variable rate mortgages ........................ 1,430 85,800 12,866 566,104 0 0 651,904
High cost mortgages .............................. 321 19,260 2,887 127,028 0 0 146,288
Higher priced mortgages ....................... 222 13,320 1,995 87,780 0 0 101,100
Reverse mortgages ................................ 177 10,620 1,588 69,872 0 0 80,492
Advertising ............................................. 13,718 823,080 123,457 5,432,108 0 0 6,255,188
Private education loans ......................... 79 4,740 709 31,196 0 0 35,936
Sale, transfer, or assignment of mort-
gages .................................................. 3,460 207,600 31,142 1,370,248 0 0 1,577,848
Ability to pay/qualified mortgage ............ 274 16,440 2,464 108,416 0 0 124,856
Appraiser misconduct reporting ............. 26,351 1,581,060 237,156 10,434,864 0 0 12,015,924
Mortgage servicing ................................. 3,893 233,580 35,040 1,541,760 0 0 1,775,340
Loan originators ..................................... 638 38,280 5,737 252,428 0 0 290,708
Total closed-end credit ................... ........................ ........................ ........................ ........................ ........................ ........................ 262,905,488
Total Disclosures ............................ ........................ ........................ ........................ ........................ ........................ ........................ 358,169,628
Total Recordkeeping and Dis-
closures ................................ ........................ ........................ ........................ ........................ ........................ ........................ 369,744,078
Request for Comment:
Pursuant to Section 3506(c)(2)(A) of
the PRA, the FTC invites comments on:
(1) Whether the disclosure requirements
are necessary, including whether the
information will be practically useful;
(2) the accuracy of our burden estimates,
including whether the methodology and
assumptions used are useful; (3) ways to
enhance the quality, utility, and clarity
of the information to be collected; and
(4) ways to minimize the burden of
providing the required information to
consumers.
You can file a comment online or on
paper. For the Commission to consider
your comment, we must receive it on or
before July 16, 2021. Write ‘‘Regs BEMZ,
PRA Comments, P084812’’ on your
comment. Your comment, including
your name and your state, will be
placed on the public record of this
proceeding, including the https://
www.regulations.gov website.
Because of the public health
emergency in response to the COVID–19
outbreak and the agency’s heightened
security screening, postal mail
addressed to the Commission will be
subject to delay. We strongly encourage
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you to submit your comment online
through the https://www.regulations.gov
website. To ensure the Commission
considers your online comment, please
follow the instructions on the web-
based form.
If you file your comment on paper,
write ‘‘Regs BEMZ, PRA Comments,
P084812’’ on your comment and on the
envelope, and mail your comment to the
following address: Federal Trade
Commission, Office of the Secretary,
600 Pennsylvania Avenue NW, Suite
CC–5610 (Annex J), Washington, DC
20580; or deliver your comment to the
following address: Federal Trade
Commission, Office of the Secretary,
Constitution Center, 400 7th Street SW,
5th Floor, Suite 5610 (Annex J),
Washington, DC 20024. If possible,
please submit your paper comment to
the Commission by courier or overnight
service.
Because your comment will be placed
on https://www.regulations.gov, you are
solely responsible for making sure that
your comment does not include any
sensitive or confidential information. In
particular, your comment should not
include any sensitive personal
information, such as your or anyone
else’s Social Security number, date of
birth, driver’s license number or other
state identification number or foreign
country equivalent, passport number,
financial account number, or credit or
debit card number. You are also solely
responsible for making sure that your
comment does not include sensitive
health information, such as medical
records or other individually
identifiable health information. In
addition, your comment should not
include any ‘‘trade secret or any
commercial or financial information
which . . . is privileged or
confidential,’’ as provided by section
6(f) of the FTC Act, 15 U.S.C. 46(f), and
FTC Rule 4.10(a)(2), 16 CFR 4.10(a)(2),
including in particular, competitively
sensitive information such as costs,
sales statistics, inventories, formulas,
patterns, devices, manufacturing
processes, or customer names.
Comments containing material for
which confidential treatment is
requested must be filed in paper form,
must be clearly labeled ‘‘Confidential,’’
and must comply with FTC Rule 4.9(c).
In particular, the written request for
confidential treatment that accompanies
the comment must include the factual
and legal basis for the request, and must
identify the specific portions of the
comment to be withheld from the public
record. Your comment will be kept
confidential only if the FTC General
Counsel grants your request in
accordance with the law and the public
interest. Once your comment has been
posted on https://www.regulations.gov,
we cannot redact or remove your
comment from that website, unless you
submit a confidentiality request that
meets the requirements for such
treatment under FTC Rule 4.9(c), and
the General Counsel grants that request.
The FTC Act and other laws that the
Commission administers permit the
collection of public comments to
consider and use in this proceeding as
appropriate. The Commission will
consider all timely and responsive
public comments that it receives on or
before July 16, 2021. For information on
the Commission’s privacy policy,
including routine uses permitted by the
Privacy Act, see https://www.ftc.gov/
siteinformation/privacy-policy.
Josephine Liu,
Assistant General Counsel for Legal Counsel.
[FR Doc. 2021–10285 Filed 5–14–21; 8:45 am]
BILLING CODE 6750–01–P
DEPARTMENT OF HEALTH AND
HUMAN SERVICES
Centers for Disease Control and
Prevention
[Docket No. CDC–2021–0053]
The Systematic Review Report for
Diagnosis and Treatment of Myalgic
Encephalomyelitis/Chronic Fatigue
Syndrome (ME/CFS): Request for
Comment
AGENCY
: Centers for Disease Control and
Prevention (CDC), Department of Health
and Human Services (HHS).
ACTION
: Notice with comment period.
SUMMARY
: The Centers for Disease
Control and Prevention (CDC) in the
Department of Health and Human
Services (HHS) announces the opening
of a docket to obtain comment on the
systematic review draft report for
Diagnosis and Treatment of Myalgic
Encephalomyelitis/Chronic Fatigue
Syndrome (ME/CFS). The draft report
describes inclusion and exclusion
criteria to identify relevant literature,
outlines the approach for evaluating
study quality, and summarizes the
systematic review results. The report,
once finalized, is intended to support
the anticipated development of future
clinical practice guidelines, which
would guide physicians in managing
and providing care for patients with
ME/CFS. Currently there are no federal
guidelines for management of ME/CFS.
CDC has commissioned the Pacific
Northwest Evidence-Based Practice
Center at Oregon Health & Science
University to conduct a systematic
review of the publicly available
scientific literature and now seeks
public comment to inform the final
report. In particular, CDC seeks data and
information, including reports and
manuscripts that are pending
publications or are not available through
indexed bibliographic databases. Access
to pertinent scientific information from
research and evidence-based clinical
practice may be used to inform the final
report. The anticipated CDC guideline
would assist clinicians by outlining
management practices for patients with
ME/CFS.
DATES
: Written comments must be
received on or before August 16,
2021.May 17, 2021.
ADDRESSES
: You may submit comments,
identified by Docket No. CDC–2021–
0053 by either of the following methods:
Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
Mail: Anindita Issa, MD, Centers for
Disease Control and Prevention, 1600
Clifton Road NE, Mailstop H24–12,
Atlanta, Georgia 30329.
Instructions: All submissions received
must include the agency name and
Docket Number. All relevant comments
received will be posted without change
to http://regulations.gov, including any
personal information provided. For
access to the docket to read background
documents or comments received, go to
http://www.regulations.gov. Do not
submit comments by email. CDC does
not accept comments by email.
FOR FURTHER INFORMATION CONTACT
: For
technical information on the systematic
review report for ME/CFS, contact
Anindita Issa, MD, Centers for Disease
Control and Prevention, 1600 Clifton
Road NE, Mailstop H24–12, Atlanta,
Georgia 30329. Telephone: 404–718–
3959; email: cfs@cdc.gov.
SUPPLEMENTARY INFORMATION
:
Public Participation
Interested persons or organizations
are invited to participate by submitting
written views, recommendations, and
data related to the draft report,
including perspectives on and
experiences with diagnosis and
management of ME/CFS illness. In
addition, CDC invites comments
specifically on topics for
pharmacological or non-
pharmacological treatments.
Please note that comments received,
including attachments and other
supporting materials, are part of the
public record and are subject to public
disclosure. Comments will be posted on
https://www.regulations.gov. Therefore,
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