3170-0056-Reg F Supporting Statement A (2018 Renewal)-FINAL

30-day Federal Register version

BUREAU OF CONSUMER FINANCIAL PROTECTION
PAPERWORK REDUCTION ACT SUBMISSION
INFORMATION COLLECTION REQUEST
SUPPORTING STATEMENT PART A
REGULATION F: FAIR DEBT COLLECTION PRACTICES ACT - STATE
APPLICATION FOR EXEMPTION (12 CFR 1006.2)
(OMB CONTROL NUMBER: 3170-0056)
OMB TERMS OF CLEARANCE:
Not applicable. The Office of Management and Budget (OMB) did not provide any Terms of
Clearance when it last approved this collection of information in November 2015 (See Notice of
Action dated 11/17/2015).
ABSTRACT:
This Rule establishes procedures and criteria whereby states may apply to the Bureau of
Consumer Financial Protection (Bureau) for an exemption of a class of debt collection practices
within the applying state from the provisions of the Fair Debt Collection Practices Act (FDCPA)
as provided in section 817 of the Act, 15 U.S.C. § 1692. The information collection request
seeks OMB approval for the state application requirements as contained in 12 CFR § 1006.2.
JUSTIFICATION
1. Circumstances Necessitating the Data Collection:
Under 15 U.S.C. § 1692o, the Bureau has the authority to exempt from the FDCPA any class of
debt collection practices within any State if the Bureau determines that under the laws of that
State that class of debt collection practices is subject to requirements substantially similar to
those imposed by the FDCPA, and that there is adequate provision for enforcement of such
requirements. The Bureau issued Regulation F to implement this statutory provision of FDCPA
by restating the Federal Trade Commission’s prior rule concerning the process for such
exemptions. Regulation F specifically provides that any state may apply for a determination
that, under the laws of that state, any class of debt collection practices within that state is
subject to requirements that are substantially similar to, or provide greater protection for
consumers than, those imposed under sections 803 through 812 of the FDCPA, and that there is
adequate provision for state enforcement of such requirements. 12 CFR § 1006.2. Such an
application must be in writing, addressed to the Bureau, signed by the Governor, Attorney
General or state official having primary enforcement or responsibility under the state law which
is applicable to the class of debt collection practices, and shall be supported by the documents
specified in the regulation.
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Regulation F also specifies the documentation that a state must submit to support its application,
including: (1) a copy of the relevant state law with requirements similar to those contained in
sections 803 and 812 of the FDCPA; (2) a comparison between the relevant state law and these
FDCPA provisions; (3) a copy of the relevant state law permitting enforcement of the relevant
state law; (4) a comparison between the relevant state law’s enforcement provisions and the
enforcement provisions in section 814 of the FDCPA; and (5) information identifying the state
officials responsible for enforcing the relevant state law and describing the powers and resources
these state officials can or will use in enforcement. 12 CFR § 1006.3.
If the Bureau determines based on the application and supporting documents that the state meets
the standard for an exemption set forth above, Regulation F states that the Bureau will exempt
the class of debt collection practices in the state from the requirements of sections 803 through
812 and section 814 of the FDCPA. 12 CFR § 1006.6. The Bureau must publish a notice of its
granting of an exemption in the Federal Register, provide a copy of the notice to the state official
that applied for the exemption, and furnish a copy of the notice to the federal agencies with the
authority to enforce the FDCPA under section 814 of the Act as well as the Attorney General of
the United States. 12 CFR § 1066.6(a)&(b). The Bureau’s granting of an exemption generally
continues until such time as the Bureau revokes it.
2. Use of the Information:
The information contained in the request for an exemption is used by the Bureau to evaluate
whether the protection afforded by the laws of the applying state provide equal or greater
protection to consumers than the requirements of the FDCPA, thereby entitling the state to the
exemption permitted under section 817 of the FDCPA.
3. Use of Information Technology:
To ensure that the process of applying for an exemption is both easy and fast, states may submit
applications and supporting documentation to the Bureau in paper or electronic form. 12 CFR §
1006.3.
4. Efforts to Identify Duplication:
This requirement is unique to the requirements of the FDCPA, therefore the request for an
exemption is not duplicating any existing collection of information contained in any regulatory
or statutory requirement administered by the Bureau.
5. Efforts to Minimize Burdens on Small Entities:
This requirement applies only to States and therefore no small entities are involved or burdened
by this collection.
6. Consequences of Less Frequent Collection and Obstacles to Burden Reduction
As discussed above, failing to collect this information may leave the Bureau without the

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necessary information as to state law to allow the Bureau to consider and grant the exemption
request. Failing to collect this information may also deprive interested states of permissible
exemptions to the FDCPA.
7. Circumstances Requiring Special Information Collection
There are no special circumstances. The collection of information is conducted in a manner
consistent with the guidelines in 5 CFR §1320. 5(d)(2).
8. Consultation Outside the Agency
In accordance with 5 CFR §1320.8(d)(1), the Bureau has published a notice Federal Register
allowing the public 60 days to comment on this proposed collection of information. No
Comments were received. Further and in accordance with 5 CFR §1320.5(a)(1)(iv), the Bureau
has also published a notice in the Federal Register allowing the public 30 days to comment on
the submission of this information collection request to OMB.
9. Payments or Gifts to Respondents
Not applicable. The information collection does not provide for making payments or gifts to
respondents.
10. Assurances of Confidentiality
Because this collection of information does not involve the collection of information from or
about individuals, the Privacy Act of 1974, as amended, 5 U.S.C. § 552a, is not implicated.
Therefore, no privacy impact assessment has been conducted nor has the Bureau published a
Systems of Records Notice relative to this collection of information.
11. Justification for Sensitive Questions
Not applicable. The collection of information does not impact individuals and does not
collect information that would be considered private.
12. Estimated Burden of Information Collection
The information sent under the exemption provisions of the rule is primarily information which
the state officials providing the notice would have already collected and have available at the
time request is sent. The requirements apply to all fifty (50) states, the District of Columbia, and
all five (5) inhabited U.S. territories; therefore the total number of potential respondents is 56. It
is estimated that compiling and sending the requested information would require no more than
hours of additional work. To date, only one state (Maine) has applied for an exemption under
rules to implement Section 817 of the FDCPA. There is no requirement that states submit any
documents annually, but rather only if either the FDCPA or state law change. Accordingly, the
Bureau estimates the burden on states and territories as follows:
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Burden Hour Summary
Information
Collection
Requirement

State
Application
for Waiver

No. of
Respondents

1

Type of
IC

Frequency

Annual
Responses

1

1

Reporting

Average
Response
Time

2

Annual
Burden
Hours

2

Hourly
Rate

$36.701

Hourly
Costs

$73.40

13. Estimated Total Annual Cost Burden to Respondents or Recordkeepers
There should be minimal annualized costs for the state officials to collect and submit this
information, consisting of only the de minimis costs related to compiling the information and
transmitting it to the Bureau.
14. Estimated Cost to the Federal Government
The Bureau does not incur any new or unique costs as a result of this collection of information.
15. Program Changes or Adjustments
There is no Change since this collection was last submitted for OMB approval.
16. Plans for Tabulation, Statistical Analysis, and Publication
Not applicable. The information will not be published.
17. Display of Expiration Date
There are currently no forms or other instruments associated with this information collection on
which to display the OMB-assigned expiration date. The OMB control number will be displayed
in the Code of Federal Regulations and the OMB number and expiration date will be displayed
on the Federal government’s electronic Paper Reduction Act docket at www.reginfo.gov.
1

Bureau of Labor Statistics May 2017 Occupational Employment and Wage Estimates
http://www.bls.gov/oes/current/oes.htm#13-0000.

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18. Exceptions to the Certification Requirement
The Bureau certifies that this collection of information is consistent with the requirements of 5
CFR § 1320.9, and the related provisions of 5 CFR § 1320.8(b)(3) and is not seeking an
exemption to these certification requirements.

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