ICBA Disclosure Testing: Qualitative Pre-testing of Survey (Testing) Instrument and Modified Disclosure Forms

Forms and Documents

Document	Type	Status	Availability
3170-00XX (ICBA) supporting statement.docx	Supporting Statement A	Uploaded 2026-01-22	Repair queued
3170-00XX (ICBA) supporting statement.docx	Supporting Statement A	Uploaded 2026-01-22	Missing upstream
3170-00XX (ICBA) supporting statement Part B.docx	Supporting Statement B	Uploaded 2026-01-22	Repair queued
3170-00XX (ICBA) supporting statement Part B.docx	Supporting Statement B	Uploaded 2026-01-22	Repair queued
3170-00XX (ICBA) 30-Day FRN (published).pdf	Supplementary Document	Uploaded 2026-01-22	Repair queued
3170-00XX (ICBA) 30-Day FRN (published).pdf	Supplementary Document	Uploaded 2026-01-22	Repair queued
3170-00XX (ICBA) 60-Day FRN (published).pdf	Supplementary Document	Uploaded 2026-01-22	Repair queued
3170-00XX (ICBA) 60-Day FRN (published).pdf	Supplementary Document	Uploaded 2026-01-22	Repair queued

IC Document Collections

IC ID	Collection	Type	Status	Form
278812	Screener and Survey		New

ICR Details

OMB Control No: 3170-0085	ICR Reference No: 202512-3170-002
Status: Active	Previous ICR Reference No:
Agency/Subagency: CFPB	Agency Tracking No:
Title: ICBA Disclosure Testing: Qualitative Pre-testing of Survey (Testing) Instrument and Modified Disclosure Forms
Type of Information Collection: New collection (Request for a new OMB Control Number)	Common Form ICR:  No
Type of Review Request: Regular
OIRA Conclusion Action: Approved without change	Conclusion Date: 03/23/2026
Retrieve Notice of Action (NOA)	Date Received in OIRA: 01/22/2026
Terms of Clearance:

	Inventory as of this Action	Requested	Previously Approved
Expiration Date	03/31/2029	36 Months From Approved
Responses	2,015	0	0
Time Burden (Hours)	264	0	0
Cost Burden (Dollars)	0	0	0

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Abstract: The central research question that ICBA will be examining in the disclosure testing is whether the modified mortgage disclosures are more effective for a sample of consumers representative of community bank members who would be likely to take out construction or construction-to-permanent loans. Effectiveness will be measured by how well a consumer can understand various dimensions of each loan by answering comprehension questions (e.g. interest rate, payment schedule, etc.) for various types of construction-to-permanent and construction loans they are presented. Per the recommendation of the CFPB, to ensure the effectiveness of both the survey instrument and the revised mortgage disclosure forms, ICBA's contractor, will conduct pre-testing (or cognitive-testing) of both.

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Authorizing Statute(s): PL: Pub.L. 111 - 203 594 Name of Law: Dodd-Frank Wall Street Reform and Consumer Protection Act
  

Citations for New Statutory Requirements: None

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Associated Rulemaking Information
RIN:	Stage of Rulemaking:	Federal Register Citation:	Date:
	Not associated with rulemaking

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Federal Register Notices & Comments
60-day Notice:	Federal Register Citation:	Citation Date:
	90 FR 21904	05/22/2025
30-day Notice:	Federal Register Citation:	Citation Date:
	91 FR 2524	01/21/2026
Did the Agency receive public comments on this ICR? Yes

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Number of Information Collection (IC) in this ICR: 1

IC Title	Form No.	Form Name
Screener and Survey

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ICR Summary of Burden

	Total Approved	Previously Approved	Change Due to New Statute	Change Due to Agency Discretion	Change Due to Adjustment in Estimate	Change Due to Potential Violation of the PRA
Annual Number of Responses	2,015	0	0	2,015	0	0
Annual Time Burden (Hours)	264	0	0	264	0	0
Annual Cost Burden (Dollars)	0	0	0	0	0	0

Burden increases because of Program Change due to Agency Discretion: Yes

Burden Increase Due to: Miscellaneous Actions

Burden decreases because of Program Change due to Agency Discretion: No

Burden Reduction Due to:

Short Statement: This is a new collection.

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Annual Cost to Federal Government: $0

Does this IC contain surveys, censuses, or employ statistical methods? Yes Part B of Supporting Statement

Does this ICR request any personally identifiable information (see OMB Circular No. A-130 for an explanation of this term)? Please consult with your agency's privacy program when making this determination.     No

Does this ICR include a form that requires a Privacy Act Statement (see 5 U.S.C. §552a(e)(3))? Please consult with your agency's privacy program when making this determination.     No

Is this ICR related to the Affordable Care Act [Pub. L. 111-148 & 111-152]? No

Is this ICR related to the Dodd-Frank Wall Street Reform and Consumer Protection Act, [Pub. L. 111-203]? Yes

Is this ICR related to the American Recovery and Reinvestment Act of 2009 (ARRA)? No

Is this ICR related to the Pandemic Response? No

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Common Form ICR:  No

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On behalf of this Federal agency, I certify that the collection of information encompassed by this request complies with 5 CFR 1320.9 and the related provisions of 5 CFR 1320.8(b)(3).

The following is a summary of the topics, regarding the proposed collection of information, that the certification covers:

(a) It is necessary for the proper performance of agency functions;

(b) It avoids unnecessary duplication;

(c) It reduces burden on small entities;

(d) It uses plain, coherent, and unambiguous language that is understandable to respondents;

(e) Its implementation will be consistent and compatible with current reporting and recordkeeping practices;

(f) It indicates the retention periods for recordkeeping requirements;

(g) It informs respondents of the information called for under 5 CFR 1320.8 (b)(3) about:

(i) Why the information is being collected;

(ii) Use of information;

(iii) Burden estimate;

(iv) Nature of response (voluntary, required for a benefit, or mandatory);

(v) Nature and extent of confidentiality; and

(vi) Need to display currently valid OMB control number;

(h) It was developed by an office that has planned and allocated resources for the efficient and effective management and use of the information to be collected.

(i) It uses effective and efficient statistical survey methodology (if applicable); and

(j) It makes appropriate use of information technology.

If you are unable to certify compliance with any of these provisions, identify the item by leaving the box unchecked and explain the reason in the Supporting Statement.

Certification Date: 01/22/2026

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