60-Day Notice, 84 FR 67447 (Dec. 10, 2019)

Federal Register / Vol. 84, No. 237 / Tuesday, December 10, 2019 / Notices

[FR Doc. 2019–26647 Filed 12–6–19; 4:15 pm]

• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments. If
you submit your comment to the
Federal eRulemaking Portal, please also
send it by email to FHFA at
[email protected] to ensure
timely receipt by the agency.
• Mail/Hand Delivery: Federal
Housing Finance Agency, Eighth Floor,
400 Seventh Street SW, Washington, DC
20219, ATTENTION: Proposed
Collection; Comment Request: ‘‘National
Survey of Mortgage Originations, (No.
2019–N–8).’’
We will post all public comments we
receive without change, including any
personal information you provide, such
as your name and address, email
address, and telephone number, on the
FHFA website at http://www.fhfa.gov. In
addition, copies of all comments
received will be available for
examination by the public through the
electronic comment docket for this PRA
Notice also located on the FHFA
website.

BILLING CODE 6714–01–P

FOR FURTHER INFORMATION CONTACT:

Summary report of actions taken
pursuant to authority delegated by the
Board of Directors.
Discussion Agenda
Memorandum and resolution re:
Notice of Proposed Rulemaking on
Revisions to the Community
Reinvestment Act Regulations.
Memorandum and resolution re:
Notice of Proposed Rulemaking on
Unsafe and Unsound Banking Practices:
Brokered Deposits Restrictions.
Memorandum and resolution re:
Proposed 2020 FDIC Operating Budget.
CONTACT PERSON FOR MORE INFORMATION:
Requests for further information
concerning the meeting may be directed
to Mr. Robert E. Feldman, Executive
Secretary of the Corporation, at 202–
898–7043.
Dated at Washington, DC, on December 5,
2019.
Federal Deposit Insurance Corporation.
Robert E. Feldman,
Executive Secretary.

FEDERAL HOUSING FINANCE
AGENCY
[No. 2019–N–8]

Proposed Collection; Comment
Request
Federal Housing Finance
Agency.
ACTION: 60-Day notice of submission of
information collection for approval from
Office of Management and Budget.
AGENCY:

In accordance with the
requirements of the Paperwork
Reduction Act of 1995 (PRA), the
Federal Housing Finance Agency
(FHFA) is seeking public comments
concerning an information collection
known as the ‘‘National Survey of
Mortgage Originations’’ (NSMO), which
has been assigned control number 2590–
0012 by the Office of Management and
Budget (OMB). FHFA intends to submit
the information collection to OMB for
review and approval of a three-year
extension of the control number, which
is due to expire on April 30, 2020.
DATES: Interested persons may submit
comments on or before February 10,
2020.
ADDRESSES: Submit comments to FHFA,
identified by ‘‘Proposed Collection;
Comment Request: ‘National Survey of
Mortgage Originations, (No. 2019–N–8’ ’’
by any of the following methods:
• Agency Website: www.fhfa.gov/
open-for-comment-or-input.

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SUMMARY:

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Saty
Patrabansh, Manager, National Mortgage
Database Program, Saty.Patrabansh@
fhfa.gov, (202) 649–3213; or Eric
Raudenbush, Associate General
Counsel, [email protected],
(202) 649–3084, (these are not toll-free
numbers), Federal Housing Finance
Agency, 400 Seventh Street SW,
Washington, DC 20219. The
Telecommunications Device for the
Hearing Impaired is (800) 877–8339.
SUPPLEMENTARY INFORMATION:
A. Need For and Use of the Information
Collection
The NSMO is a recurring quarterly
survey of individuals who have recently
obtained a loan secured by a first
mortgage on single-family residential
property. The survey questionnaire is
sent to a representative sample of
approximately 6,000 recent mortgage
borrowers each calendar quarter and
typically consists of about 95 multiple
choice and short answer questions
designed to obtain information about
borrowers’ experiences in choosing and
in taking out a mortgage.1 The
questionnaire may be completed either
on paper (in English only) or
electronically online (in either English
or Spanish). FHFA is also seeking
clearance to pretest future iterations of
the survey questionnaire and related
materials from time to time through the
use of focus groups. A copy of the
survey questionnaire sent out in the
1 The NSMO questionnaire sent out in the fourth
quarter of 2019 contained 94 questions.

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67447

fourth quarter of 2019 appears at the
end of this notice.2
The NSMO is a component of the
‘‘National Mortgage Database’’ (NMDB)
Program which is a joint effort of FHFA
and the Consumer Financial Protection
Bureau (CFPB). The NMDB Program is
designed to satisfy the Congressionallymandated requirements of section
1324(c) of the Federal Housing
Enterprises Financial Safety and
Soundness Act.3 Section 1324(c)
requires that FHFA conduct a monthly
survey to collect data on the
characteristics of individual prime and
subprime mortgages, and on the
borrowers and properties associated
with those mortgages, in order to enable
it to prepare a detailed annual report on
the mortgage market activities of the
Federal National Mortgage Association
(Fannie Mae) and the Federal Home
Loan Mortgage Corporation (Freddie
Mac) for review by the appropriate
Congressional oversight committees.
Section 1324(c) also authorizes and
requires FHFA to compile a database of
otherwise unavailable residential
mortgage market information and to
make that information available to the
public in a timely fashion.
As a means of fulfilling those and
other statutory requirements, as well as
to support policymaking and research
regarding the residential mortgage
markets, FHFA and CFPB jointly
established the NMDB Program in 2012.
The Program is designed to provide
comprehensive information about the
U.S. mortgage market and has three
primary components: (1) The NMDB; (2)
the NSMO; and (3) the American Survey
of Mortgage Borrowers (ASMB).
The NMDB is a de-identified loanlevel database of closed-end first-lien
residential mortgage loans that is
representative of the market as a whole,
contains detailed loan-level information
on the terms and performance of the
mortgages and the characteristics of the
associated borrowers and properties, is
continually updated, has an historical
component dating back to 1998, and
provides a sampling frame for surveys to
collect additional information. The core
data in the NMDB are drawn from a
random 1-in-20 sample of all closed-end
first-lien mortgage files outstanding at
any time between January 1998 and the
present in the files of Experian, one of
the three national credit repositories. A
random 1-in-20 sample of mortgages
2 In addition, copies of the questionnaire in both
English and Spanish can be accessed online at:
http://www.fhfa.gov/Homeownersbuyer/Pages/
National-Survey-of-Mortgage-Originations.aspx.
3 12 U.S.C. 4544(c).

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67448

Federal Register / Vol. 84, No. 237 / Tuesday, December 10, 2019 / Notices

newly reported to Experian is added
each quarter.
The NMDB draws additional
information on mortgages in the NMDB
datasets from other existing sources,
including the Home Mortgage
Disclosure Act (HMDA) data that are
maintained by the Federal Financial
Institutions Examination Council
(FFIEC), property valuation models, and
data files maintained by Fannie Mae
and Freddie Mac and by federal
agencies. FHFA also obtains data from
the ASMB, which solicits information
on borrowers’ experience with
maintaining their existing mortgages,
including their experience maintaining
mortgages under financial stress, their
experience in soliciting financial
assistance, their success in accessing
federally-sponsored programs designed
to assist them, and, where applicable,
any challenges they may have had in
terminating a mortgage loan.4
While the ASMB focuses on
borrowers’ experience with maintaining
existing mortgages, the NSMO solicits
information on newly-originated
mortgages and the borrowers’
experiences with the mortgage
origination process. It was developed to
complement the NMDB by providing
critical and timely information—not
available from existing sources—on the
range of nontraditional and subprime
mortgage products being offered, the
methods by which these mortgages are
being marketed, and the characteristics
of borrowers for these types of loans. In
particular, the survey questionnaire is
designed to elicit directly from mortgage
borrowers information on the
characteristics of the borrowers and on
their experiences in finding and
obtaining a mortgage loan, including:
Their mortgage shopping behavior; their
mortgage closing experiences; their
expectations regarding house price
appreciation; and critical financial and
other life events affecting their
households, such as unemployment,
large medical expenses, or divorce. The
survey questions do not focus on the
terms of the borrowers’ mortgage loans
because these fields are available in the
Experian data. However, the NSMO
collects a limited amount of information
on each respondent’s mortgage to verify
that the Experian records and survey
responses pertain to the same mortgage.
Each wave of the NSMO is sent to the
primary borrowers on about 6,000
mortgage loans, which are drawn from
a simple random sample of the 80,000
to 100,000 newly originated mortgage
loans that are added to the National
4 OMB has assigned the ASMB control no. 2590–
0015, which expired on July 31, 2019.

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Mortgage Database from the Experian
files each quarter (at present, this
represents an approximately 1-in-15
sample of loans added to the National
Mortgage Database and an
approximately 1-in-300 sample of all
mortgage loan originations). By contract
with FHFA, the conduct of the NSMO
is administered through Experian,
which has subcontracted the survey
administration through a competitive
process to Westat, a nationallyrecognized survey vendor.5 Westat also
carries out the pre-testing of the survey
materials.
B. Need For and Use of the Information
Collection
FHFA views the NMDB Program as a
whole, including the NSMO, as the
monthly ‘‘survey’’ that is required by
section 1324 of the Safety and
Soundness Act. Core inputs to the
NMDB, such as a regular refresh of the
Experian data, occur monthly, though
NSMO itself does not. In combination
with the other information in the
NMDB, the information obtained
through the NSMO is used to prepare
the report to Congress on the mortgage
market activities of Fannie Mae and
Freddie Mac that FHFA is required to
submit under section 1324, as well as
for research and analysis by FHFA and
CFPB in support of their regulatory and
supervisory responsibilities related to
the residential mortgage markets. The
NSMO is especially critical in ensuring
that the NMDB contains uniquely
comprehensive information on the range
of nontraditional and subprime
mortgage products being offered, the
methods by which these mortgages are
being marketed and the characteristics—
and particularly the creditworthiness—
of borrowers for these types of loans. In
November 2018, FHFA and the CFPB
released a loan-level dataset collected
through the NSMO for public use.6 The
information provides a resource for
research and analysis by federal
agencies, by Fannie Mae and Freddie
Mac, and by academics and other
interested parties outside of the
government.
FHFA is also seeking OMB approval
to continue to conduct cognitive pretesting of the survey materials. The
Agency uses information collected
5 The Fair Credit Reporting Act, 15 U.S.C. 1681
et seq., requires that the survey process, because it
utilizes borrower names and addresses drawn from
credit reporting agency records, must be
administered through Experian in order to maintain
consumer privacy.
6 The November 2018 NSMO public use dataset
(which was updated to correct some minor errors
in February 2019) can be accessed here: https://
www.fhfa.gov/DataTools/Downloads/Pages/NMDB_
Data_Sets.aspx.

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through that process to assist in drafting
and modifying the survey questions and
instructions, as well as the related
communications, to read in the way that
will be most readily understood by the
survey respondents and that will be
most likely to elicit usable responses.
Such information is also used to help
the Agency decide on how best to
organize and format the survey
questionnaires.
The OMB control number for this
information collection is 2590–0012.
The current clearance for the
information collection expires on April
30, 2020.
C. Burden Estimate
FHFA has analyzed the hour burden
on members of the public associated
with conducting the survey (12,000
hours) and with pre-testing the survey
materials (50 hours) and estimates the
total annual hour burden imposed on
the public by this information collection
to be 12,050 hours. The estimate for
each phase of the collection was
calculated as follows:
I. Conducting the Survey
FHFA estimates that the NSMO
questionnaire will be sent to 24,000
recipients annually (6,000 recipients per
quarterly survey × 4 calendar quarters).
Although, based on historical
experience, the Agency expects that
only 20 to 30 percent of those surveys
will be returned, it has assumed that all
of the surveys will be returned for
purposes of this burden calculation.
Based on the reported experience of
respondents to prior NSMO
questionnaires, FHFA estimates that it
will take each respondent 30 minutes to
complete the survey, including the
gathering of necessary materials to
respond to the questions. This results in
a total annual burden estimate of 12,000
hours for the survey phase of this
collection (24,000 respondents × 30
minutes per respondent = 12,000 hours
annually).
II. Pre-Testing the Materials
FHFA estimates that it will pre-test
the survey materials with 50 cognitive
testing participants annually. The
estimated participation time for each
participant is one hour, resulting in a
total annual burden estimate of 50 hours
for the pre-testing phase of the
collection (50 participants × 1 hour per
participant = 50 hours annually).
D. Comment Request
FHFA requests written comments on
the following: (1) Whether the collection
of information is necessary for the
proper performance of FHFA functions,

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including whether the information has
practical utility; (2) the accuracy of
FHFA’s estimates of the burdens of the
collection of information; (3) ways to
enhance the quality, utility, and clarity
of the information collected; and (4)

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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.

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Dated: December 4, 2019.
Kevin Winkler,
Chief Information Officer, Federal Housing
Finance Agency.
BILLING CODE 8070–01–P

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67462

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DEPARTMENT OF HEALTH AND
HUMAN SERVICES

[FR Doc. 2019–26593 Filed 12–9–19; 8:45 am]
BILLING CODE 8070–01–C

Agency for Healthcare Research and
Quality
GENERAL SERVICES
ADMINISTRATION
[Notice–MA–2019–10; Docket No. 2019–
0002; Sequence No. 32]

Relocation Allowances: Taxes on
Travel, Transportation, and Relocation
Expenses
Office of Government-wide
Policy (OGP), General Services
Administration (GSA).

AGENCY:

ACTION:

The purpose of this notice is
to inform Federal agencies that FTR
Bulletin 20–02, pertaining to travel,
transportation, and relocation
allowances impacted by recent changes
to Federal tax law, has been published
and is now available online at
www.gsa.gov/ftrbulletin. This bulletin
contains certain examples and tables
that were removed from the FTR as a
result of FTR Amendment 2020–02,
published by GSA on November 25,
2019, and issued as a direct final rule.
This bulletin also rescinds FTR
Bulletins 18–05 and 19–02 now that
FTR Amendment 2020–02 has been
issued, amending the FTR in line with
changes to the Internal Revenue Code.

SUMMARY:

Applicable: This notice applies
to employees who are authorized
reimbursement for relocation expenses
under the FTR and who receive some or
all reimbursements, direct payments, or
indirect payments on or after January 1,
2018, and on or before December 31,
2025.

DATES:

For
clarification of content, please contact
Mr. Rick Miller, Program Analyst, Office
of Government-wide Policy, Office of
Asset and Transportation Management,
at 202–501–3822, or by email at
[email protected]. Please cite Notice
of FTR Bulletin 20–02.

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Jessica Salmoiraghi,
Associate Administrator, Office of
Government-wide Policy.
[FR Doc. 2019–26511 Filed 12–9–19; 8:45 am]
BILLING CODE 6820–14–P

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Agency for Healthcare Research
and Quality (AHRQ), HHS.
ACTION: Request for supplemental
evidence and data submissions.
AGENCY:

The Agency for Healthcare
Research and Quality (AHRQ) is seeking
scientific information submissions from
the public. Scientific information is
being solicited to inform our review on
Maternal and Fetal Effects of Mental
Health Treatments in Pregnant and
Breastfeeding Women: A Systematic
Review of Pharmacological
Interventions, which is currently being
conducted by the AHRQ’s Evidencebased Practice Centers (EPC) Program.
Access to published and unpublished
pertinent scientific information will
improve the quality of this review.
DATES: Submission Deadline on or
before 30 days after date of publication.
ADDRESSES:
Email Submissions: epc@
ahrq.hhs.gov.
Print Submissions:
Mailing Address: Center for Evidence
and Practice Improvement, Agency for
Healthcare Research and Quality,
ATTN: EPC SEADs Coordinator, 5600
Fishers Lane, Mail Stop 06E53A,
Rockville, MD 20857.
Shipping Address (FedEx, UPS, etc.):
Center for Evidence and Practice
Improvement, Agency for Healthcare
Research and Quality, ATTN: EPC
SEADs Coordinator, 5600 Fishers Lane,
Mail Stop 06E77D, Rockville, MD
20857.
SUMMARY:

Notice.

FOR FURTHER INFORMATION CONTACT:

Supplemental Evidence and Data
Request on Maternal and Fetal Effects
of Mental Health Treatments in
Pregnant and Breastfeeding Women: A
Systematic Review of Pharmacological
Interventions

FOR FURTHER INFORMATION CONTACT:

Jenae Benns, Telephone: 301–427–1496
or Email: [email protected].
SUPPLEMENTARY INFORMATION: The
Agency for Healthcare Research and
Quality has commissioned the
Evidence-based Practice Centers (EPC)
Program to complete a review of the
evidence for Maternal and Fetal Effects
of Mental Health Treatments in
Pregnant and Breastfeeding Women: A
Systematic Review of Pharmacological
Interventions. AHRQ is conducting this
systematic review pursuant to Section
902(a) of the Public Health Service Act,
42 U.S.C. 299a(a).

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The EPC Program is dedicated to
identifying as many studies as possible
that are relevant to the questions for
each of its reviews. In order to do so, we
are supplementing the usual manual
and electronic database searches of the
literature by requesting information
from the public (e.g., details of studies
conducted). We are looking for studies
that report on Maternal and Fetal Effects
of Mental Health Treatments in
Pregnant and Breastfeeding Women: A
Systematic Review of Pharmacological
Interventions, including those that
describe adverse events. The entire
research protocol, including the key
questions, is also available online at:
https://effectivehealthcare.ahrq.gov/
topics/mental-health-pregnancy/
protocol.
This is to notify the public that the
EPC Program would find the following
information on Maternal and Fetal
Effects of Mental Health Treatments in
Pregnant and Breastfeeding Women: A
Systematic Review of Pharmacological
Interventions helpful:
D A list of completed studies that
your organization has sponsored for this
indication. In the list, please indicate
whether results are available on
ClinicalTrials.gov along with the
ClinicalTrials.gov trial number.
D For completed studies that do not
have results on ClinicalTrials.gov, a
summary, including the following
elements: Study number, study period,
design, methodology, indication and
diagnosis, proper use instructions,
inclusion and exclusion criteria,
primary and secondary outcomes,
baseline characteristics, number of
patients screened/eligible/enrolled/lost
to follow-up/withdrawn/analyzed,
effectiveness/efficacy, and safety results.
D A list of ongoing studies that your
organization has sponsored for this
indication. In the list, please provide the
ClinicalTrials.gov trial number or, if the
trial is not registered, the protocol for
the study including a study number, the
study period, design, methodology,
indication and diagnosis, proper use
instructions, inclusion and exclusion
criteria, and primary and secondary
outcomes.
D Description of whether the above
studies constitute ALL Phase II and
above clinical trials sponsored by your
organization for this indication and an
index outlining the relevant information
in each submitted file.
Your contribution is very beneficial to
the Program. Materials submitted must
be publicly available or able to be made
public. Materials that are considered
confidential; marketing materials; study
types not included in the review; or
information on indications not included

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