60-Day Federal Register Notice

FR1-0167 National Survey of Unbanked and Underbanked Households 81 FR 85222 November 25 2016.pdf

National Survey of Unbanked and Underbanked Households

60-Day Federal Register Notice

OMB: 3064-0167

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85222

Federal Register / Vol. 81, No. 227 / Friday, November 25, 2016 / Notices

asabaliauskas on DSK3SPTVN1PROD with NOTICES

Weekly receipt of Environmental Impact
Statements
Filed 11/14/2016 Through 11/18/2016
Pursuant to 40 CFR 1506.9.
Notice
Section 309(a) of the Clean Air Act
requires that EPA make public its
comments on EISs issued by other
Federal agencies. EPA’s comment letters
on EISs are available at: http://
www.epa.gov/compliance/nepa/
eisdata.html.
EIS No. 20160273, Final, FHWA, FL, SR
87 Connector, Contact: Joseph
Sullivan 850–553–2248.
Under 49 U.S.C. 304a(b), FHWA has
issued a Final EIS and ROD. Therefore,
the 30-day wait/review period under
NEPA does not apply to this action.
EIS No. 20160274, Draft, FHWA, NY,
NYS Route 198 (Scajaquada
Expressway) Corridor Project,
Comment Period Ends: 01/25/2017,
Contact: Peter Osborn 518–431–4127.
EIS No. 20160275, Draft Supplement,
USFS, WA, Pack and Saddle Stock
Outfitter-Guide Special Use Permit
Issuance, Comment Period Ends: 01/
09/2017, Contact: Jennifer Zbyszewski
509–996–4021.
EIS No. 20160276, Final, FRA, MD,
Baltimore and Potomac Tunnel,
Review Period Ends: 12/27/2016,
Contact: Brandon Bratcher 202–493–
0844.
EIS No. 20160277, Final, USCG, LA,
Port Delfin Project Deepwater Port
Application, Review Period Ends: 01/
12/2017, Contact: Roddy C. Bachman
202–372–1451.
EIS No. 20160278, Final, BLM, OR,
Proposed Land use Plan Amendment
for the Boardman to Hemingway
Transmission Line Project, Review
Period Ends: 12/25/2016, Contact:
Tamara Gertsch 307–775–6115
EIS No. 20160279, Final, BOEM, LA,
Outer Continental Shelf Oil and Gas
Leasing Program: 2017–2022, Review
Period Ends: 12/27/2016, Contact: Dr.
Jill Lewandowski 703–787–1703
EIS No. 20160280, Adoption, USFWS,
NAT, ADOPTION—Programmatic—
Habitat Restoration Activities
Implemented Throughout the Coastal
United States, Review Period Ends:
12/27/2016, Contact: Peter Barlow
703–358–2119
The U.S. Department of the Interior’s
Fish and Wildlife Service is adopting
the U.S. Department of Commerce’s
National Oceanic and Atmospheric
Agency’s Final EIS #20150171, filed
with EPA on 06/11/2015. The USFWS
was not a cooperating agency.
Therefore, recirculation of the EIS is
necessary under Section 1506.3(b) of the
CEQ Regulations.

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EIS No. 20160281, Draft, USFS, CO,
Snowmass Multi-Season Recreation
Projects, Comment Period Ends: 01/
11/2017, Contact: Roger Poirier 970–
945–3245
EIS No. 20160282, Final Supplement,
USFWS, HI, Na Pua Makani Wind
Project and Habitat Conservation
Plan, Review Period Ends: 01/03/
2017, Contact: Jodi Charrier 808–792–
9400
Amended Notices
EIS No. 20160256, Draft Supplement,
USACE, MO, Mississippi River
between the Ohio and Missouri Rivers
(Regulating Works), Comment Period
Ends: 01/18/2017, Contact: Kip
Runyon 314–331–8396, Revision to
the FR Notice Published 11/04/2016,
Extending the Comment Period from
12/19/2016 to 01/18/2017.
Dated: November 21, 2016.
Dawn Roberts,
Management Analyst, NEPA Compliance
Division, Office of Federal Activities.
[FR Doc. 2016–28407 Filed 11–23–16; 8:45 am]
BILLING CODE 6560–50–P

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

The FDIC, as part of its
continuing effort to reduce paperwork
and respondent burden and as required
by the Paperwork Reduction Act of
1995, invites the general public and
other Federal agencies to comment on
the survey collection instrument for its
fourth National Survey of Unbanked
and Underbanked Households
(Household Survey), currently approved
under OMB Control No. 3064–0167,
scheduled to be conducted in
partnership with the U.S. Census
Bureau as a supplement to its June 2017
Current Population Survey (CPS). The
survey seeks to estimate the proportions
of unbanked and underbanked
households in the U.S. and to identify
the factors that inhibit the participation
of these households in the mainstream
banking system, and opportunities to
expand the use of banking services
among underserved consumers. The
results of these ongoing surveys will
help policymakers and bankers

SUMMARY:

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understand the issues and challenges
underserved households perceive when
deciding how and where to conduct
financial transactions.
DATES: Comments must be submitted on
or before January 24, 2017.
ADDRESSES: Interested parties are
invited to submit written comments to
the FDIC by any of the following
methods:
• http://www.FDIC.gov/regulations/
laws/federal/notices.html.
• Email: [email protected]. Include
the name and number of the collection
in the subject line of the message.
• Mail: Manny Cabeza (202–898–
3767), Counsel, MB–3007, Federal
Deposit Insurance Corporation, 550 17th
Street NW., Washington, DC 20429.
• Hand Delivery: Comments may be
hand-delivered to the guard station at
the rear of the 17th Street Building
(located on F Street), on business days
between 7:00 a.m. and 5:00 p.m.
All comments should refer to OMB
control number 3064–0167. A copy of
the comments may also be submitted to
the OMB desk officer for the FDIC:
Office of Information and Regulatory
Affairs, Office of Management and
Budget, New Executive Office Building,
Washington, DC 20503.
FOR FURTHER INFORMATION CONTACT:
Manny Cabeza, at the FDIC address
above.
The FDIC
is considering possible revisions to the
following collection of information:
Title: National Survey of Unbanked
and Underbanked Households.
OMB Number: 3064–0167.
Frequency of Response: Once.
Affected Public: U.S. Households.
Estimated Number of Respondents:
50,000.
Average Time per Response: 10
minutes (0.16 hours) per respondent.
Estimated Total Annual Burden: 0.16
hours × 50,000 respondents = 8,334
hours.
General Description of Collection: The
FDIC recognizes that public confidence
in the banking system is strengthened
when banks effectively serve the
broadest possible set of consumers. As
a result, the agency is committed to
increasing the participation of unbanked
and underbanked households in the
financial mainstream by ensuring that
all Americans have access to safe,
secure, and affordable banking services.
The National Survey of Unbanked and
Underbanked Households is one
contribution to this end.
The National Survey of Unbanked and
Underbanked Households is also a key
component of the FDIC’s efforts to

SUPPLEMENTARY INFORMATION:

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Federal Register / Vol. 81, No. 227 / Friday, November 25, 2016 / Notices
comply with a Congressional mandate
contained in section 7 of the Federal
Deposit Insurance Reform Conforming
Amendments Act of 2005 (‘‘Reform
Act’’) (Pub. L. 109–173), which calls for
the FDIC to conduct ongoing surveys
‘‘on efforts by insured depository
institutions to bring those individuals
and families who have rarely, if ever,
held a checking account, a savings
account or other type of transaction or
check cashing account at an insured
depository institution (hereafter in this
section referred to as the ‘unbanked’)
into the conventional finance system.’’
Section 7 further instructs the FDIC to
consider several factors in its conduct of
the surveys, including: (1) ‘‘what
cultural, language and identification
issues as well as transaction costs
appear to most prevent ‘unbanked’
individuals from establishing
conventional accounts’’; and (2) ‘‘what
is a fair estimate of the size and worth
of the ‘‘unbanked’’ market in the United
States.’’ The National Survey of
Unbanked and Underbanked
Households is designed to address these
factors and provide a factual basis on
the proportions of unbanked
households. Such a factual basis is
necessary to adequately assess banks’
efforts to serve these households as
required by the statutory mandate.
To obtain this information, the FDIC
partnered with the U.S. Census Bureau,
which administered the Household
Survey supplement (‘‘FDIC
Supplement’) to households that
participated in the January 2009, June
2011, June 2013 and June 2015 CPS. The
results of these surveys were released to
the public in December 2009, September
2012, October 2014, and October 2016,
respectively.
The FDIC supplement has yielded
nationally-representative data, not
otherwise available, on the size and
characteristics of the population that is
unbanked or underbanked, the use by
this population of alternative financial
services, and the reasons why some
households do not make greater use of
mainstream banking services. The
National Survey of Unbanked and
Underbanked Households is the only
population-representative survey
conducted at the national level that
provides state-level estimates of the size
and characteristics of unbanked and
underbanked households for all 50
states and the District of Columbia. An
executive summary of the results of the
first three Household Surveys, the full
reports, and the survey instruments can
be accessed through the following link:
http://www.economicinclusion.gov/
surveys/.

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Consistent with the statutory mandate
to conduct the surveys on an ongoing
basis, the FDIC already has in place
arrangements for conducting the fourth
Household Survey as a supplement to
the June 2017 CPS. However, prior to
finalizing the next survey questionnaire,
the FDIC seeks to solicit public
comment on whether changes to the
existing instrument are desirable and, if
so, to what extent. It should be noted
that, as a supplement of the CPS survey,
the Household Survey needs to adhere
to specific parameters that include
limits in the length and sensitivity of
the questions that can be asked of CPS
respondents. Specifically, there is a
strict limitation on the number of
questions permitted and the average
time required to complete the survey.
Request for Comment
Comments are invited on: (a) Whether
the collections of information are
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 collections,
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 collections 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.
Dated at Washington, DC, this 21st day of
November 2016.
Federal Deposit Insurance Corporation.
Robert E. Feldman,
Executive Secretary.
[FR Doc. 2016–28393 Filed 11–23–16; 8:45 am]
BILLING CODE 6714–01–P

FEDERAL DEPOSIT INSURANCE
CORPORATION
Agency Information Collection
Activities: Proposed Information
Collection Revision; Comment
Request (3064–0189)
Federal Deposit Insurance
Corporation (FDIC).
ACTION: Notice and request for comment.
AGENCY:

The Federal Deposit
Insurance Corporation (‘‘FDIC’’) invites
the general public and other Federal
agencies to take this opportunity to
comment on a revision of a continuing
information collection, titled,
‘‘Company-Run Annual Stress Test
Reporting Template and Documentation

SUMMARY:

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85223

for Covered Institutions with Total
Consolidated Assets of $50 Billion or
More under the Dodd-Frank Wall Street
Reform and Consumer Protection Act,’’
(3064–0189), as required by the
Paperwork Reduction Act of 1995.
Comments must be received by
January 24, 2017.

DATES:

You may submit written
comments by any of the following
methods:
• Federal eRulemaking Portal: http://
www.FDIC.gov/regulations/laws/
federal/notices.html. Follow the
instructions for submitting comments.
• Email: [email protected]. Include
‘‘Annual Stress Test Reporting Template
and Documentation for Covered
Institutions with Total Consolidated
Assets of $50 Billion or More’’ on the
subject line of the message.
• Mail: Manny Cabeza (202–898–
3767), Counsel, MB–3007, Federal
Deposit Insurance Corporation, 550 17th
Street NW., Washington, DC 20429.
• Hand Delivery/Courier: Guard
station at the rear of the 550 17th Street
Building (located on F Street) on
business days between 7:00 a.m. and
5:00 p.m.
• Public Inspection: All comments
received will be posted without change
to http://www.fdic.gov/regulations/laws/
federal/ including any personal
information provided.
Additionally, you may send a copy of
your comments: By mail to the U.S.
Office of Management and Budget, 725
17th Street NW., #10235, Washington,
DC 20503 or by facsimile to
202.395.6974, Attention: Federal
Banking Agency Desk Officer.

ADDRESSES:

You
can request additional information from
Manny Cabeza, 202.898.3767, Legal
Division, Federal Deposit Insurance
Corporation, 550 17th Street NW., MB–
3016 Washington, DC 20429. In
addition, copies of the templates
referenced in this notice can be found
on the FDIC’s Web site (http://www.
fdic.gov/regulations/laws/federal/).

FOR FURTHER INFORMATION CONTACT:

The FDIC
is requesting comment on the following
changes to the information collection:
Title: Company-Run Annual Stress
Test Reporting Template and
Documentation for Covered Institutions
with Total Consolidated Assets of $50
Billion or More under the Dodd-Frank
Wall Street Reform and Consumer
Protection Act.
OMB Control Number: 3064–0189.
Description: Section 165(i)(2) of the
Dodd-Frank Wall Street Reform and

SUPPLEMENTARY INFORMATION:

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