OMB control number

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

OMB 3170-0085 · CFPB.

OMB 3170-0085

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.

The latest form for ICBA Disclosure Testing: Qualitative Pre-testing of Survey (Testing) Instrument and Modified Disclosure Forms expires 2029-03-31 and can be found here.

REPLACE INTO tbl_reginfo_omb_history (`ombControlNo`, `refNbr`, `PraType`, `requestType`, `dateReceived`, `conclusionDate`, `conclusionAction`, `openNOA`) VALUES (:ombControlNo, :refNbr, :PraType, :requestType, :dateReceived, :conclusionDate, :conclusionAction, :openNOA)

Array
(
    [ombControlNo] => 3170-0085
    [refNbr] => 202512-3170-002
    [PraType] => ICR
    [requestType] => New collection (Request for a new OMB Control Number)
    [dateReceived] => 2026-01-22
    [conclusionDate] => 2026-03-23
    [conclusionAction] => Approved without change
    [openNOA] => Approved without change
)

Error!HY000-1366-Incorrect integer value: 'Approved without change' for column 'openNOA' at row 1