60 day FRN

54880

Federal Register / Vol. 90, No. 227 / Friday, November 28, 2025 / Notices

retention is authorized if required for
business use.

DEPARTMENT OF TRANSPORTATION
Office of the Secretary

ADMINISTRATIVE, TECHNICAL, AND PHYSICAL
SAFEGUARDS:

[Docket ID Number: DOT–OST–2010–0054]

Records in this system are
safeguarded in accordance with
applicable rules and policies, including
all applicable DOT and FAA automated
systems security and access policies.
Strict controls have been imposed to
minimize the risk of compromising the
information that is being stored. Access
to the computer system containing the
records in this system is limited to
individuals who have a need to know
the information for the performance of
their official duties and who have
appropriate clearances or permissions.
RECORD ACCESS PROCEDURES:

Individuals seeking notification of
whether this system of records contains
information about them may contact the
System Manager at the address provided
in the section ‘‘System Manager’’. When
seeking records about yourself from this
system of records or any other
Departmental system of records your
request must conform to the Privacy Act
regulations set forth in 49 CFR part 10.
You must sign your request, and your
signature must either be notarized or
submitted under 28 U.S.C. 1746, a law
that permits statements to be made
under penalty of perjury as a substitute
for notarization. If your request is
seeking records pertaining to another
living individual, you must include a
statement from that individual
certifying his/her agreement for you to
access his/her records.
CONTESTING RECORD PROCEDURES:

See ‘‘Record Access Procedures’’
above.
NOTIFICATION PROCEDURES:

See ‘‘Record Access Procedures’’
above.
EXEMPTIONS PROMULGATED FOR THE SYSTEM:

None.
HISTORY:
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None.
Issued in Washington, DC.
Karyn Gorman,
Departmental Chief Privacy Officer.
[FR Doc. 2025–21358 Filed 11–26–25; 8:45 am]
BILLING CODE 4910–9X–P

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Notice of Submission of Proposed
Information Collection to OMB; Agency
Request for Renewal of Previously
Approved Collections:
Nondiscrimination on the Basis of
Disability in Air Travel: Reporting
Requirements for Disability-Related
Complaints
Office of the Secretary (OST),
Department of Transportation
(Department or DOT).
ACTION: Notice and request for
comments.
AGENCY:

In accordance with the
Paperwork Reduction Act of 1995 (44
U.S.C. Chapter 35, as amended), this
notice announces DOT’s intention to
renew Office of Management and
Budget (OMB) Control Number 2105–
0551, ‘‘Reporting Requirements for
Disability-Related Complaints.’’ The
information collection is related to a
requirement in the Code of Federal
Regulations (CFR) for carriers to report
annually to the Department the number
of disability-related complaints they
receive.

SUMMARY:

Interested persons are invited to
submit comments regarding this
proposal. Written comments should be
submitted by January 27, 2026.
ADDRESSES: You may submit comments
identified by Docket No. DOT–OST–
2010–0054 through one of the following
methods:
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the online
instructions for submitting comments.
• Mail: Docket Management Facility,
U.S. Department of Transportation, 1200
New Jersey Avenue SE, West Building,
Room W12–140, Washington, DC 20590.
• Hand Delivery: West Building
Ground Floor, Room W12–140, 1200
New Jersey Avenue SE, Washington,
DC, between 9 a.m. and 5 p.m., Monday
through Friday, except Federal holidays.
The telephone number is 202–366–
9329.
Instructions: Enter the agency name
and docket number at the beginning of
your comment. All comments received
will be posted without change to
https://www.regulations.gov, including
any personal information provided.
Privacy Act: Anyone may search the
electronic form of all comments
received in any of DOT’s dockets by the
name and individual submitting the
comment (or signing the comment, if
submitted on behalf of an association,
DATES:

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business, labor union, etc.). You may
review the System of Records Notice
covering the Federal Docket
Management System at 73 FR 3116–17.
FOR FURTHER INFORMATION CONTACT: John
Wood, Office of Aviation Consumer
Protection, U.S. Department of
Transportation, 1200 New Jersey
Avenue SE, Washington, DC 20590,
Telephone Number (202) 366–9342
(voice), [email protected] (email).
SUPPLEMENTARY INFORMATION: OMB
Control Number: 2105–0551.
Title: Reporting Requirements for
Disability-Related Complaints.
Type of Request: Renewal of
information collections.
Background: The Department’s
regulation 14 CFR 382.157 requires U.S.
and foreign air carriers operating to,
from, and within the United States that
conduct passenger-carrying service with
at least one aircraft with a designed
seating capacity of more than 60
passengers (large aircraft) to record
disability-related complaints that they
receive. For the purposes of the
requirement, a disability-related
complaint means a specific written
expression of dissatisfaction received
from, or submitted on behalf, of an
individual with a disability concerning
a difficulty associated with the person’s
disability, which the person
experienced when using or attempting
to use an air carrier’s or foreign carrier’s
services. The carriers must also
categorize these complaints according to
the type of disability and nature of
complaint, prepare a summary report
annually of the complaints received
during the preceding calendar year,
submit the report to the Department’s
Office of Aviation Consumer Protection,
and retain copies of correspondence and
records of action taken on the reported
complaints for three years. Carriers are
required to submit their annual report to
the Department by the last Monday in
January of each year for complaints
received during the prior calendar year.
Carriers report annually the
information described in Appendix A to
14 CFR 382 ‘‘Report of DisabilityRelated Complaint Data’’ (Reporting
Form). DOT regulations provide that
carriers must submit their reports using
the World Wide Web unless approved
by DOT to use another method. See 14
CFR 382.157. The Department intends
to use its newly modernized Aviation
Complaint, Enforcement, and Reporting
System (ACERS), a web-based portal, to
accept annual disability reports from
carriers beginning with annual reports
for calendar year 2025 operations. These
reports will be due January 26, 2026.

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Federal Register / Vol. 90, No. 227 / Friday, November 28, 2025 / Notices
To file a report using ACERS, an
authorized air carrier representative will
use the organization’s ACERS account
information to log into ACERS and
access the web-based version of the
Reporting Form to enter the
information, including contact
information, complaint data, and
certification information. Then, the
representative will click ‘‘Submit’’
which will electronically transmit the
report to the Department.
Among other things, ACERS was
developed to offer air carriers and other
industry users improved disability
reporting efficiencies and capabilities.
More specifically, ACERS will enable a
carrier receiving ‘‘0’’ disability-related
complaints during a particular reporting
year to, with one click, auto-populate
each field of the report with a ‘‘0’’
instead of selecting each field separately
and then entering a ‘‘0.’’ In addition,
ACERS allows carrier representatives to
save their progress on partially
completed reports, so that they may
return to edit and complete their report
without losing information entered
previously.
Reporting carriers must be registered
with the Department to receive a log-in
for ACERS prior to filing a report using
the system. Information collection
activities, including burden estimates,
for air travel industry representatives
and other users to create and manage
ACERS accounts and to use ACERS
functionalities to submit reports, in
general, are covered under a separate
OMB Control Number (2105–0568)
which is valid through August 31, 2027.
OMB Control Number 2105–0551,
which is addressed by this notice,
covers burdens associated with
preparing and submitting the annual
disability report to the Department.
OMB Control Number 2105–0551 is
valid through January 31, 2026.
The Department relies on the
disability-related complaint information
collections primarily to comply with 49
U.S.C. 41705(c)(3), which requires the
Secretary of Transportation to ‘‘regularly
review all complaints received by
carriers alleging discrimination on the
basis of disability’’ and ‘‘report annually
to Congress on the results of such
review.’’ The Department may also rely
on this information to inform policy and
in enforcement matters. The Department
publishes the data collected from
airlines each year, and the
corresponding reports to Congress, on
its website at: https://
www.transportation.gov/airconsumer/
annual-report-disability-related-airtravel-complaints.
The Paperwork Reduction Act of 1995
(PRA) and its implementing regulations,

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5 CFR 1320, et seq., require Federal
agencies to issue two notices seeking
public comment on information
collection activities before OMB may
approve paperwork packages. A Federal
agency generally cannot conduct or
sponsor a collection of information, and
the public is generally not required to
respond to an information collection,
unless it is approved by OMB under the
PRA and displays a currently valid
OMB Control Number. In addition,
notwithstanding any other provisions of
law, no person shall generally be subject
to monetary penalty for failing to
comply with a collection of information
if the collection of information does not
display a valid OMB Control Number.
See 5 CFR 1320.5(a) and 1320.6.
For each information collection, the
title, a description of the respondents,
and an estimate of the annual
recordkeeping and periodic reporting
burden are set forth below.
(1) Requirement to record and
categorize complaints received.
Respondents: U.S. air carriers and
foreign air carriers operating to and from
the United States that conduct
passenger-carrying service with at least
one large aircraft.
Number of Respondents: 170 (the total
number of respondents that reported for
Calendar Year (CY) 2023).1
Frequency: 49,082 complaints per
year total for all respondents, which
represents the number of complaints
received by all respondents combined
during CY 2023 (0–9,717 complaints is
the range of the lowest number of
complaints and the highest number of
complaints received by any respondent
during CY 2023).
Estimated Burden on Respondents:
.25 hours on each respondent to
categorize and record each complaint.
Estimated Total Annual Burden:
12,270.5 hours for all respondents (time
to record and categorize each complaint
(.25 hours) multiplied by the total
number of complaints received during
CY 2023 (49,082)). On average, the
estimated annual burden per respondent
is a range of 0–2,429.25 hours per
carrier.
(2) Requirement to prepare and
submit annual report.
Carriers will generally submit their
reports electronically through ACERS or
another means approved by the
Department.
Respondents: U.S. air carriers and
foreign air carriers operating to and from
the United States that conduct
passenger-carrying service with at least
one large aircraft.
1 As of the date of this notice, disability-related
complaints data for CY 2023 are the most recent
data available to the Department.

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Number of Respondents: 170 (the total
number of respondents that reported for
CY 2023).
Frequency: 1 report to DOT per year
for each respondent.
Estimated Burden on Respondents:
0.5 hours a year for each respondent to
report to DOT.
Estimated Total Annual Burden: 85
hours for all respondents (time to report
(0.5 hours) multiplied by 170, the total
number of respondents).
(3) Requirement to retain
correspondences and records of action
taken on all disability-related
complaints.
Respondents: U.S. air carriers and
foreign air carriers operating to and from
the United States that conduct
passenger-carrying service with at least
one large aircraft.
Number of Respondents: 170 (the total
number of respondents that reported for
CY2023).
Frequency: 49,082 complaints per
year total for all respondents, which
represents the number of complaints
received by all respondents combined
during CY 2023 (0–9,717 complaints is
the range of the lowest number of
complaints and the highest number of
complaints received by any respondent
during CY 2023).
Estimated Burden on Respondents:
0.083 (repeating) hours per complaint
(the time it takes for a respondent to
retain or save the correspondences and
records of action taken on a single
disability-related complaint).
Estimated Total Annual Burden:
4,090.17 hours (time it takes for a
respondent to retain or save the
correspondences and records of action
taken on a single disability-related
complaints (0.083 (repeating) hours)
multiplied by the total number of
complaints received during CY 2023
(49,082)).
Comments Invited
Comments are invited on: (a) Whether
the collection of information is
necessary for the proper performance of
the functions of the Department,
including whether the information will
have practical utility; (b) the accuracy of
the Department’s estimate of the burden
of the proposed information collection;
(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. All comments will also
become a matter of public record on the
docket.
Authority: The Paperwork Reduction
Act of 1995; 44 U.S.C. chapter 35, as
amended; and 49 CFR 1.26, 1.27, 1.48;
DOT Order 1351.29.

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54882

Federal Register / Vol. 90, No. 227 / Friday, November 28, 2025 / Notices

Issued in Washington, DC.
Livaughn Chapman, Jr.,
Deputy Assistant General Counsel.
[FR Doc. 2025–21364 Filed 11–26–25; 8:45 am]
BILLING CODE 4910–9X–P

DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
[Docket ID OCC–2025–0537]

Request for Information Regarding
Community Banks’ Engagement With
Core Service Providers and Other
Essential Third-Party Service
Providers
Office of the Comptroller of the
Currency (OCC), Treasury.
ACTION: Request for information and
comment.
AGENCY:

The OCC is issuing a request
for information (RFI) on community
bank engagement with their core service
providers and other essential third-party
service providers. The RFI seeks to
better understand how challenges
community banks face with such service
providers affect these banks’ abilities to
remain competitive in a rapidly
evolving marketplace, as well as what
actions the OCC can take to address any
of these challenges.
DATES: Comments must be received by
January 27, 2026.
ADDRESSES: Commenters are encouraged
to submit comments through the Federal
eRulemaking Portal. Please use the title
‘‘Request for Information Regarding
Community Banks’ Engagement with
Core Service Providers and Other
Essential Third-Party Service Providers’’
to facilitate the organization and
distribution of the comments. You may
submit comments by any of the
following methods:
• Federal eRulemaking Portal—
Regulations.gov:
Go to https://regulations.gov/. Enter
Docket ID ‘‘OCC–2025–0537’’ in the
Search Box and click ‘‘Search.’’ Public
comments can be submitted via the
‘‘Comment’’ box below the displayed
document information or by clicking on
the document title and then clicking the
‘‘Comment’’ box on the top-left side of
the screen. For help with submitting
effective comments, please click on
‘‘Commenter’s Checklist.’’ For
assistance with the Regulations.gov site,
please call 1–866–498–2945 (toll free)
Monday–Friday, 9 a.m.–5 p.m. EST, or
email [email protected].
• Mail: Chief Counsel’s Office,
Attention: Comment Processing, Office

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SUMMARY:

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of the Comptroller of the Currency, 400
7th Street SW, Suite 3E–218,
Washington, DC 20219.
• Hand Delivery/Courier: 400 7th
Street SW, Suite 3E–218, Washington,
DC 20219.
Instructions: You must include
‘‘OCC’’ as the agency name and Docket
ID ‘‘OCC–2025–0537’’ in your comment.
In general, the OCC will enter all
comments received into the docket and
publish the comments on the
Regulations.gov website without
change, including any business or
personal information provided such as
name and address information, email
addresses, or phone numbers.
Comments received, including
attachments and other supporting
materials, are part of the public record
and subject to public disclosure. Do not
include any information in your
comment or supporting materials that
you consider confidential or
inappropriate for public disclosure.
You may review comments and other
related materials that pertain to this
action by the following method:
• Viewing Comments Electronically—
Regulations.gov:
Go to https://regulations.gov/. Enter
Docket ID ‘‘OCC–2025–0537’’ in the
Search Box and click ‘‘Search.’’ Click on
the ‘‘Dockets’’ tab and then the
document’s title. After clicking the
document’s title, click the ‘‘Browse All
Comments’’ tab. Comments can be
viewed and filtered by clicking on the
‘‘Sort By’’ drop-down on the right side
of the screen or the ‘‘Refine Comments
Results’’ options on the left side of the
screen. Supporting materials can be
viewed by clicking on the ‘‘Browse
Documents’’ tab. Click on the ‘‘Sort By’’
drop-down on the right side of the
screen or the ‘‘Refine Results’’ options
on the left side of the screen checking
the ‘‘Supporting & Related Material’’
checkbox. For assistance with the
Regulations.gov site, please call 1–866–
498–2945 (toll free) Monday–Friday, 9
a.m.–5 p.m. EST, or email
[email protected].
The docket may be viewed after the
close of the comment period in the same
manner as during the comment period.
FOR FURTHER INFORMATION CONTACT:

Daniel Amodeo, Counsel and Graham
Bannon, Counsel, Chief Counsel’s
Office, 202–649–5490. If you are deaf,
hard of hearing, or have a speech
disability, please dial 7–1–1 to access
telecommunications relay services.
SUPPLEMENTARY INFORMATION:

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I. Introduction
Community banks 1 have an outsized
impact on lending and are vital to the
strength of the U.S. economy. The OCC
has committed to prioritizing reforms
targeted at reducing the supervisory and
regulatory burden for community banks
and exploring efforts to tailor our
regulation and supervisory frameworks
to better fit their business models and
unique risks—better positioning these
banks to support their communities and
drive economic growth. Many
community banks are dependent on
third parties to operate effectively and
competitively in an increasingly online
marketplace. This includes those third
parties that provide the comprehensive
back-end applications and infrastructure
that support the operation and essential
functions of one or more of the bank’s
lines of business, including, for
example, through the provision of
transaction processing, account
management, payments processing,
customer relationship management,
compliance and reporting, online
banking, and other material functions
(core service providers). It also includes
those third parties who provide other
essential functions supporting those
core functions, including cloud
processing, cloud storage, artificial
intelligence, and compliance tools.
The OCC is aware that continued
consolidation in the core service
provider and other essential third-party
service provider markets can result in
reduced competitive pressure to provide
innovative and effective solutions for
community banks; reduced negotiating
power for many community banks visa`-vis their core service providers,
resulting in potentially burdensome
contractual provisions and bundled
products that raise fees; and a sense that
many community banks do not believe
that their core service providers and
other essential third-party service
providers are partners committed to
their long-term success. According to
one survey, for example, the three
largest core service providers served
more than 70% of depository
institutions in 2022, with the largest
core service provider alone serving 42%
of depository institutions.2 At the same
time, the OCC is aware that many of
these same banks believe these
potentially anti-competitive forces are
1 The term ‘‘banks’’ as used in this RFI means
national banks and Federal savings associations.
2 See Julian Alcazar, et al., Federal Reserve Bank
of Kansas City, Payments System Research Briefing,
‘‘Market Structure of Core Banking Services
Providers’’ (Mar. 27, 2024), available at: https://
www.kansascityfed.org/documents/10072/
PaymentsSystemResearchBriefing24AlcazarBaird
CronenwethHayashiIsaacson0327.pdf.

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