60-Day FRN

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71054

Federal Register / Vol. 86, No. 237 / Tuesday, December 14, 2021 / Notices

borrowers.56 In 2016, the Bureau had
ordered LendUp to pay $1.83 million in
consumer redress and a $1.8 million
civil penalty, and to stop misleading
consumers with false claims about the
cost of loans and the benefits of
repeated borrowing. In the complaint,
the CFPB alleges that, in violation of the
2016 order, LendUp has continued with
much of the same illegal and deceptive
marketing. The CFPB also alleges that
LendUp illegally failed to provide
timely and accurate notices to
consumers whose loan applications
were denied.
LendUp, headquartered in Oakland,
California, offers single-payment and
installment loans to consumers and
presents itself as an alternative to
payday lenders. A central component of
LendUp’s marketing and brand identity
is the ‘‘LendUp Ladder.’’ LendUp told
consumers that by repaying loans on
time and taking free courses offered
through its website, consumers would
move up the ‘‘LendUp Ladder’’ and, in
turn, receive lower interest rates on
future loans and access to larger loan
amounts.
According to the CFPB’s complaint,
LendUp was not telling consumers the
truth. The CFPB’s investigation found
that 140,000 repeat borrowers were
charged the same or higher interest rates
for loans after moving up to a higher
level on the LendUp Ladder. The
investigation also found that many
borrowers had their maximum loan size
reduced, even after reaching the highest
level on the ladder.
The CFPB alleges that LendUp
violated the CFPB’s 2016 consent order,
the CFPA, ECOA, and ECOA’s
implementing regulation, Regulation B.
Specifically, the CFPB alleges that
LendUp:
• Deceived consumers about the
benefits of repeat borrowing: LendUp
misrepresented the benefits of
repeatedly borrowing from the company
by advertising that borrowers who
climbed the LendUp Ladder would gain
access to larger loans at lower rates
when, in fact, that was not true for tens
of thousands of consumers.
• Violated the CFPB’s 2016 consent
order: The CFPB’s 2016 consent order
prohibits LendUp from misrepresenting
the benefits of borrowing from the
company. LendUp’s continued
misrepresentations about the LendUp
Ladder violate this order.
• Failed to provide timely and
accurate adverse action notices:
Adverse action notices inform
56 A copy of the complaint is available at:
https://files.consumerfinance.gov/f/documents/
cfpb_lendup-loans-llc_complaint_2021-09.pdf.

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consumers why they were denied credit,
and timely and accurate notices are vital
to maintaining a transparent
underwriting process and protect
consumers against credit
discrimination. LendUp failed to
provide adverse-action notices within
the 30 days required by ECOA for over
7,400 loan applicants. LendUp also
issued over 71,800 adverse-action
notices that failed to accurately describe
the main reasons why LendUp denied
the application as required by ECOA
and Regulation B.
The CFPB is seeking an injunction,
damages or restitution to consumers,
disgorgement of ill-gotten gains, and the
imposition of a civil money penalty.
LendUp is also subject to a 2021
stipulated final judgment that resolved
the CFPB’s claims that LendUp violated
the Military Lending Act in connection
with its extensions of credit.57
Rohit Chopra,
Director, Bureau of Consumer Financial
Protection.
[FR Doc. 2021–26949 Filed 12–13–21; 8:45 am]
BILLING CODE 4810–AM–P

DEPARTMENT OF ENERGY
Environmental Management SiteSpecific Advisory Board, Northern New
Mexico
Office of Environmental
Management, Department of Energy.
ACTION: Notice of open in-person/virtual
hybrid meeting.
AGENCY:

This notice announces an inperson/virtual hybrid meeting of the
Environmental Management SiteSpecific Advisory Board (EM SSAB),
Northern New Mexico. The Federal
Advisory Committee Act requires that
public notice of this meeting be
announced in the Federal Register.
DATES: Wednesday, January 19, 2022;
1:00 p.m.–5:00 p.m.
ADDRESSES: This hybrid meeting will be
open to the public virtually via WebEx
only. To attend virtually, please contact
the Northern New Mexico Citizens
Advisory Board (NNMCAB) Executive
Director (below) no later than 5:00 p.m.
MT on Friday, January 14, 2022.
Board members, Department of
Energy (DOE) representatives, agency
liaisons, and support staff will
participate in-person, strictly following
COVID–19 precautionary measures, at:
SUMMARY:

57 The stipulated final judgment can be found at:
https://www.consumerfinance.gov/about-us/
newsroom/consumer-financial-protection-bureausettles-with-lendup-loans-llc-for-military-lendingact-violations/.

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Ohkay Owingeh Conference Center, 68
New Mexico 291, Ohkay Owingeh, New
Mexico 87566.
FOR FURTHER INFORMATION CONTACT:
Menice B. Santistevan, NNMCAB
Executive Director, by Phone: (505)
699–0631 or Email:
[email protected].
SUPPLEMENTARY INFORMATION: Purpose of
the Board: The purpose of the Board is
to make recommendations to DOE–EM
and site management in the areas of
environmental restoration, waste
management, and related activities.
Tentative Agenda:
1. Consideration of Two Draft EM SSAB
Chairs Recommendations
2. Presentation on Status of 2022
Consent Order Appendix B
Milestones and Targets
3. Various program updates
Public Participation: The in-person/
online virtual hybrid meeting is open to
the public virtually via WebEx only.
Written statements may be filed with
the Board no later than 5:00 p.m. MT on
Monday, January 17, 2022, or within
seven days after the meeting by sending
them to the NNMCAB Executive
Director at the aforementioned email
address. Written public comments
received prior to the meeting will be
read into the record. The Deputy
Designated Federal Officer is
empowered to conduct the meeting in a
fashion that will facilitate the orderly
conduct of business. Individuals
wishing to submit public comments
should follow as directed above.
Minutes: Minutes will be available by
emailing or calling Menice Santistevan,
NNMCAB Executive Director, at
[email protected] or at
(505) 699–0631.
Signed in Washington, DC, on December 8,
2021.
LaTanya Butler,
Deputy Committee Management Officer.
[FR Doc. 2021–26985 Filed 12–13–21; 8:45 am]
BILLING CODE 6450–01–P

DEPARTMENT OF ENERGY
Agency Information Collection
Extension
National Nuclear Security
Administration, U.S. Department of
Energy.
ACTION: Notice of request for comments.
AGENCY:

The Department of Energy
(DOE), pursuant to the Paperwork
Reduction Act of 1995, intends to
extend for three years, an information
collection request with the Office of
Management and Budget (OMB).

SUMMARY:

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Federal Register / Vol. 86, No. 237 / Tuesday, December 14, 2021 / Notices
Comments regarding this
proposed information collection must
be received on or before February 14,
2022. If you anticipate any difficulty in
submitting comments within that
period, contact the person listed in the

DATES:

FOR FURTHER INFORMATION CONTACT

section as soon as possible.
Written comments may be
sent by email to [email protected].
Include ‘‘Paperwork Reduction Act’’ in
the subject line. Comments can also be
sent by fax at (202) 586–6789 or by mail
to Katie Strangis, Senior Policy Advisor,
Office of Nonproliferation and Arms
Control, NA–24, National Nuclear
Security Administration, Department of
Energy, 1000 Independence Avenue
SW, Room 7F–075, Washington, DC
20585. Due to potential delays in DOE’s
receipt and processing of mail sent
through the U.S. Postal Service, DOE
encourages responders to submit
comments electronically to ensure
timely receipt.
FOR FURTHER INFORMATION CONTACT:
Additional information on DOE’s
regulation of assistance to foreign
atomic energy activities pursuant to 10
CFR part 810 is available at
www.energy.gov/nnsa/10-cfr-part-810.
For other questions, contact Katie
Strangis, Senior Policy Advisor, Office
of Nonproliferation and Arms Control,
NA–24, National Nuclear Security
Administration, Department of Energy,
1000 Independence Avenue SW, Room
7F–075, Washington, DC 20585,
telephone (202) 586–8623.
SUPPLEMENTARY INFORMATION: Comments
are invited on: (a) Whether the extended
collection of information is necessary
for the proper performance of the
functions of the agency, including
whether the information shall have
practical utility; (b) the accuracy of the
agency’s estimate of the burden of the
proposed collection of information,
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 collection of information
on respondents, including through the
use of automated collection techniques
or other forms of information
technology.
This information collection request
contains:
(1) OMB No.: A1901–0263;
(2) Information Collection Request
Titled: Assistance to Foreign Atomic
Energy Activities;
(3) Type of Review: Extension;
(4) Purpose: This collection of
information is necessary in order to
provide the Secretary of Energy with the

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appropriate information needed to make
informed determinations regarding
requests to directly or indirectly engage
or participate in the development or
production of special nuclear material
outside the United States;
(5) Annual Estimated Number of
Respondents: 106;
(6) Annual Estimated Number of
Total Responses: 869;
(7) Annual Estimated Number of
Burden Hours: 1,872;
(8) Annual Estimated Reporting and
Recordkeeping Cost Burden: $193,400.
Statutory Authority: Section 57 b.(2)
of the Atomic Energy Act (AEA) of 1954,
Section 161p. of the AEA, 10 CFR part
810.
Signing Authority
This document of the Department of
Energy was signed on December 9, 2021,
by Corey Hinderstein, Deputy
Administrator for Defense Nuclear
Nonproliferation, National Nuclear
Security Administration, pursuant to
delegated authority from the Secretary
of Energy. That document with the
original signature and date is
maintained by DOE. For administrative
purposes only, and in compliance with
requirements of the Office of the Federal
Register, the undersigned DOE Federal
Register Liaison Officer has been
authorized to sign and submit the
document in electronic format for
publication, as an official document of
the Department of Energy. This
administrative process in no way alters
the legal effect of this document upon
publication in the Federal Register.
Signed in Washington, DC, on December 9,
2021.
Treena V. Garrett,
Federal Register Liaison Officer, U.S.
Department of Energy.
[FR Doc. 2021–27005 Filed 12–13–21; 8:45 am]
BILLING CODE 6450–01–P

Request for Information (RFI)
Regarding Planning for Establishment
of a Program To Support the
Availability of High-Assay LowEnriched Uranium (HALEU) for Civilian
Domestic Research, Development,
Demonstration, and Commercial Use
Office of Nuclear Energy,
Department of Energy.
ACTION: Request for information.
AGENCY:

The U.S Department of
Energy (DOE or the Department) is
issuing this RFI to invite input on the
planning for establishment of a DOE
HALEU Availability Program and to

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gather information to consider in
preparing the required report to
Congress describing actions proposed to
be carried out by DOE under the
program. The Energy Act of 2020
authorized the Department to establish
and carry out, through the Office of
Nuclear Energy, a program to support
the availability of high-assay lowenriched uranium (HALEU) for civilian
domestic research, development,
demonstration, and commercial use.
DATES: Written comments and
information are requested on or before
January 13, 2022.
ADDRESSES: Interested persons may
submit comments by any of the
following methods:
1. Email: [email protected].
Submit electronic comments in
Microsoft Word or PDF file format and
avoid the use of special characters or
any form of encryption. Please include
‘‘Response to RFI’’ in the subject line.
2. Postal Mail: This option is not
available.
3. Hand Delivery/Courier: This option
is not available during the COVID–19
pandemic.
4. Online: Responses will be accepted
online at www.regulations.gov.
Instructions: All submissions received
must include the agency name for this
RFI. No facsimiles (faxes) will be
accepted. Any information that may be
business proprietary and exempt by law
from public disclosure should be
submitted as described in Section IV of
this document.
FOR FURTHER INFORMATION CONTACT:
Requests for additional information
should be sent to: [email protected]
or Dr. Daniel Vega, daniel.vega@
nuclear.energy.gov, (202) 586–0235, or
Michael Reim, michael.reim@
nuclear.energy.gov, (202) 586–0509.
Please include ‘‘Question on HALEU
RFI’’ in the subject line.
SUPPLEMENTARY INFORMATION:
I. Background

DEPARTMENT OF ENERGY

SUMMARY:

71055

The Department is working to enable
the development and deployment of
advanced nuclear reactors as part of
meeting the Administration’s job
creation, energy security and climate
goals. DOE’s Advanced Reactor
Demonstration Program was established
to partner with domestic private
industry to help accelerate the
development and demonstration of
advanced nuclear reactors in the United
States. Most advanced reactors,
including several designs selected for
the Advanced Reactor Demonstration
Program, are designed to be fueled by
HALEU. The Secretary of Energy was
authorized in Sec. 2001 of the Energy

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