Unknown. Notification of technical specifications; procedural rule

7,990 words·~36 min read·/register/2021/08/23/2021-17994

A research copy — for the controlling text, always check the official state or federal source. Not legal advice.

--- schema: federal-register doc_type: fedreg source_file: FR-2021-08-23.xml --- 86 160 Monday, August 23, 2021 Contents Administrative Administrative Conference of the United States NOTICES Meetings: Assembly of the Administrative Conference of the United States, 47050-47051 2021-17973 Agriculture Agriculture Department See Forest Service Antitrust Division Antitrust Division NOTICES Changes under the National Cooperative Research and Production Act: 3D PDF Consortium, Inc., 47150-47151 2021-18010 Border Security Technology Consortium, 47149 2021-18027 Consortium for Battery Innovation, 47156 2021-18015 Consortium for Execution of Rendezvous and Servicing Operations, 47155 2021-18032 Countering Weapons of Mass Destruction, 47149-47150 2021-18026 Digital Manufacturing Design Innovation Institute, 47156-47157 2021-18011 DVD Copy Control Association, 47151 2021-18042 Electrified Vehicle and Energy Storage Evaluation, 47157-47158 2021-18045 IMS Global Learning Consortium, Inc., 47149 2021-18034 Information Warfare Research Project Consortium, 47155 2021-18023 MLCommons Association, 47151-47152 2021-18020 National Armaments Consortium, 47154 2021-18037 National Fire Protection Association, 47151 2021-18052 National Spectrum Consortium, 47157 2021-18016 Naval Aviation Systems Consortium, 47152-47154 2021-18033 ODVA, Inc., 47150 2021-18005 OpenJS Foundation, 47154-47155 2021-18031 Resilient Infrastructure plus Secure Energy Consortium, 47155-47156 2021-18024 The Open Group, LLC, 47148-47149 2021-18035 UHD Alliance, Inc., 47152 2021-18003 Utility Broadband Alliance, Inc., 47151 2021-18044 Z-Wave Alliance, Inc., 47150 2021-18028 Army Army Department NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals, 47088-47089 2021-18092 Consumer Financial Protection Bureau of Consumer Financial Protection RULES Technical Specifications for Credit Card Agreement and Data Submissions Required under the Truth in Lending Act and the Credit Card Accountability Responsibility and Disclosure Act, 46953-46958 2021-17994 Civil Rights Civil Rights Commission NOTICES Meetings: South Dakota Advisory Committee, 47053 2021-17987 Coast Guard Coast Guard RULES Drawbridge Operations:

New Jersey Intracoastal Waterway, Point Pleasant, NJ, 46966-46968 2021-18063 Safety Zone: Barge Big Digger and Tugs Kimberly Anne and Andrew J Operating in the Straits of Mackinac, MI, 46968-46970 2021-17337 Potomac River, Between Charles County, MD and King George County, VA, 46970-46972 2021-17978 PROPOSED RULES Safety Zone: CBWTP Outfall Diffuser Improvements, Columbia River, Portland, OR, 47044-47046 2021-17911 NOTICES Meetings: National Merchant Mariner Medical Advisory Committee;

September 2021 Teleconference, 47125-47126 2021-18036 Policy Letter: Issuance of Endorsements for Master of Self-Propelled Vessels of Less Than 100 GRT to Mariners Holding Endorsements as Mate of Self-Propelled Vessels of 200 GRT or More, 47126-47127 2021-18090 Commerce Commerce Department See Economic Development Administration See International Trade Administration See National Oceanic and Atmospheric Administration Commodity Futures Commodity Futures Trading Commission NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Pending Legal Proceedings, 47087-47088 2021-18079 Defense Department Defense Department See Army Department See Navy Department NOTICES Privacy Act; Systems of Records, 47089-47091 2021-18025 Defense Nuclear Defense Nuclear Facilities Safety Board NOTICES Extension of Hearing Record Closure Date, 47092 2021-18078 Economic Development Economic Development Administration NOTICES Trade Adjustment Assistance; Determinations, 47053-47054 2021-18046 Education Department Education Department RULES Total and Permanent Disability Discharge of Loans under the Higher Education Act, 46972-46982 2021-18081 NOTICES Privacy Act;

Matching Programs, 47092-47093 2021-18080 Energy Department Energy Department See Federal Energy Regulatory Commission See Western Area Power Administration NOTICES Public Availability: Service Contract Inventory, 47094 2021-17998 Environmental Protection Environmental Protection Agency RULES Air Quality State Implementation Plans; Approvals and Promulgations: Arizona; Pinal County Air Quality Control District, 46986-46989 2021-16862 Iowa; Infrastructure State Implementation Plan Requirements for the 2015 Ozone National Ambient Air Quality Standard, 46984-46986 2021-17712 Approval and Promulgation of State Plans for Designated Facilities:

New York; Revision to Section 111(d) State Plan for MSW Landfills, 46989-46992 2021-17292 Protection of Stratospheric Ozone: Extension of the Laboratory and Analytical Use Exemption for Essential Class I Ozone-Depleting Substances, 46992-46995 2021-17745 PROPOSED RULES Air Quality State Implementation Plans; Approvals and Promulgations: California; Amador Air District; Stationary Source Permits, Limited Approval and Limited Disapproval, 47046-47049 2021-17312 NOTICES Availability of the Draft IRIS Toxicological Review of Perfluorobutanoic Acid and Related Compound Ammonium Perfluorobutanoic Acid, 47100-47101 2021-18029 Chemical Data Reporting:

Guidance for Preparing and Submitting a Petition, 47102-47104 2021-17950 Cross-Media Electronic Reporting: Authorized Program Revision Approval, Gila River Indian Community, 47102 2021-18085 Request for Nominations: Experts for the Review of Draft Toxicological Reviews of Perfluorodecanoic Acid, Perfluorononanoic Acid, Perfluorohexanoic Acid, Perfluorohexanesulfonic acid, and Perfluorobutanoic acid, 47101-47102 2021-18030 Equal Equal Employment Opportunity Commission NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals, 47104-47105 2021-17931 Federal Aviation Federal Aviation Administration RULES Airspace Designations; Incorporation by Reference, 46961-46963 2021-17915 Airworthiness Directives: Leonardo S.p.a. Helicopters, 46959-46961 2021-17951 Special Conditions: Pro Star Aviation LLC, Bombardier Model CL-600-2B16 Airplanes; Installation of an Infrared Laser Countermeasure System, 46958-46959 2021-17979 PROPOSED RULES Airspace Designations and Reporting Points:

Chicago Midway International Airport, IL; Public Meeting, 47043-47044 2021-17929 Airworthiness Directives: Bombardier, Inc., Airplanes, 47036-47038 2021-17943 Helicopteres Guimbal Helicopters, 47038-47041 2021-17944 Leonardo S.p.a. Helicopters, 47033-47035 2021-17949 Sikorsky Aircraft Corporation Helicopters, 47041-47043 2021-17948 NOTICES Environmental Impact Statements; Availability, etc.: Missile Defense Agency's Final Environmental Impact Statement for Long Range Discrimination Radar Operations, Clear Air Force Station, Alaska, and Record of Decision for Federal Aviation Administration Actions to Accommodate Testing and Operation of the LRDR at CAFS under the Missile Defense Agency's Modified Operational Concept, 47195 2021-17962 Federal Communications Federal Communications Commission RULES Protecting Against National Security Threats to the Communications Supply Chain Through FCC Programs, 46995-47022 2021-17279 NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals, 47105-47107 2021-18076 2021-18077 Meetings: Disability Advisory Committee, 47105 2021-17960 Federal Emergency Federal Emergency Management Agency NOTICES Request for Information: National Flood Insurance Program's Community Rating System, 47128-47131 2021-18167 Federal Energy Federal Energy Regulatory Commission NOTICES Application: Sacramento Municipal Utility District, 47097-47098 2021-17954 Combined Filings, 47094-47095 2021-18055 2021-18056 Initial Market-Based Rate Filings Including Requests for Blanket Section 204 Authorizations:

Lick Creek Solar, LLC, 47098-47099 2021-18053 PGR 2021 Lessee 5, LLC, 47098 2021-18054 Meetings: Modernizing Electricity Market Design; Technical Conference, 47098 2021-18007 Request under Blanket Authorization: Tennessee Gas Pipeline Co., LLC, 47095-47097 2021-17958 Federal Housing Finance Agency Federal Housing Finance Agency NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 47107-47110 2021-17971 Federal Railroad Federal Railroad Administration NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals, 47195-47198 2021-17982 Federal Reserve Federal Reserve System NOTICES Change in Bank Control: Acquisitions of Shares of a Bank or Bank Holding Company, 47110 2021-18002 2021-18087 Federal Transit Federal Transit Administration NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 47198-47200 2021-17969 2021-17970 Request for Information: Transit Safety Concerns, 47200-47201 2021-18066 Fish Fish and Wildlife Service NOTICES Boundary Adjustment:

Arthur R. Marshall Loxahatchee National Wildlife Refuge, Palm Beach County, FL, 47137-47138 2021-18013 Endangered and Threatened Species: Receipt of an Enhancement of Survival Permit Application and Safe Harbor Agreement for Bluff Lake, San Bernardino County, CA, 47143-47144 2021-17977 Receipt of Recovery Permit Applications, 47139-47140 2021-17995 Habitat Conservation Plan: Mount Hermon June Beetle; Categorical Exclusion for the Encore Development Project; Santa Cruz County, CA, 47142-47143 2021-17975 National Environmental Policy Act Documentation/Categorical Exclusion:

Proposed Programmatic Safe Harbor Agreement for the California Red-Legged Frog; Orange, Riverside, and San Diego Counties, CA, 47138-47139 2021-17968 Renewal of Enhancement of Survival Permit and Modification of Safe Harbor Agreement: Florida Scrub-Jay, Volusia County, FL; Categorical Exclusion, 47140-47142 2021-17986 Food and Drug Food and Drug Administration NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Human Drug Compounding, Repackaging, and Related Activities Regarding Sections 503A and 503B of the Federal Food, Drug, and Cosmetic Act, 47113-47117 2021-17996 Determination that Products Were Not Withdrawn from Sale for Reasons of Safety or Effectiveness:

ORTHO-CEPT (Desogestrel-Ethinyl Estradiol) 21- and 28-Day Oral Tablets, 0.15 Milligram/0.03 Milligram, 47118-47119 2021-17990 Draft Guidance for Industry; Availability: Bioequivalence Studies With Pharmacokinetic Endpoints for Drugs Submitted under an Abbreviated New Drug Application, 47117-47118 2021-18073 Product-Specific Guidances, 47112-47113 2021-18072 Forest Forest Service NOTICES Meetings: Ketchikan Resource Advisory Committee, 47051 2021-17924 Shasta County Resource Advisory Committee, 47051-47052 2021-17927 Trinity County Resource Advisory Committee, 47052 2021-17923 Proposed New Fee Site, 47052 2021-17984 General Services General Services Administration NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Notarized Document Submittal for System for Award Management Registration, 47110-47111 2021-18022 Health and Human Health and Human Services Department See Food and Drug Administration See Health Resources and Services Administration See National Institutes of Health NOTICES Meetings: Health Information Technology Advisory Committee 2021 Schedule, 47120-47121 2021-18019 Health Resources Health Resources and Services Administration NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: COVID-19 Provider Relief Programs Application and Attestation Portal, and Claims Reimbursement Submission Activities, 47119-47120 2021-18018 Homeland Homeland Security Department See Coast Guard See Federal Emergency Management Agency See Transportation Security Administration See U.S. Citizenship and Immigration Services See U.S. Customs and Border Protection PROPOSED RULES Public Charge Ground of Inadmissibility, 47025-47032 2021-17837 NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Civil Rights and Civil Liberties Complaint and Privacy Waiver Form, 47133-47134 2021-17959 Vulnerability Discovery Program, 47131-47133 2021-18059 Housing Housing and Urban Development Department NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Section 3 Sample Certification Forms, 47135-47136 2021-17983 Section 3 Sample Utilization Plans, 47136-47137 2021-17981 Interior Interior Department See Fish and Wildlife Service See Land Management Bureau NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: The Alternatives Process in Hydropower Licensing, 47144-47145 2021-17932 Internal Revenue Internal Revenue Service NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Burden Related to the Application for Exemption from Social Security and Medicare Taxes and Waiver of Benefits, 47201-47202 2021-18097 International Trade Adm International Trade Administration NOTICES Antidumping or Countervailing Duty Investigations, Orders, or Reviews:

Certain Hot-Rolled Steel Flat Products from Australia, 47054-47055 2021-18088 Certain Hot-Rolled Steel Flat Products from the Republic of Turkey, 47058-47060 2021-18057 Seamless Carbon and Alloy Steel Standard, Line, and Pressure Pipe from the Republic of Korea and the Russian Federation, 47060-47061 2021-18188 Seamless Carbon and Alloy Steel Standard, Line, and Pressure Pipe from the Republic of Korea, the Russian Federation, and Ukraine, 47055-47057 2021-18187 International Trade Com International Trade Commission NOTICES Foreign Censorship Part 2:

Trade and Economic Effects on U.S. Businesses; Submission of Questionnaire and information Collection Plan for Office of Management and Budget Review, 47147-47148 2021-18131 Investigations; Determinations, Modifications, and Rulings, etc.: Certain Light-Emitting Diode Products, Fixtures, and Components Thereof, 47146-47147 2021-18006 Justice Department Justice Department See Antitrust Division NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 47158-47160 2021-17925 2021-17926 Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Grants Management System (JustGrants System), 47158 2021-18065 Land Land Management Bureau NOTICES Environmental Impact Statements; Availability, etc.: Proposed Gold Acquisition Corp.—Relief Canyon Gold Mine—Mine Expansion Amendment, Pershing County, NV, 47145-47146 2021-18004 Millenium Millennium Challenge Corporation NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals: Restricted Data Use Application, 47160 2021-18086 National Institute National Institutes of Health NOTICES Charter Renewal:

Advisory Committee to the Deputy Director for Intramural Research, 47123 2021-17989 Meetings: Helping to End Addiction Long-Term Multi-Disciplinary Working Group, 47124 2021-18048 National Institute of Allergy and Infectious Diseases, 47122 2021-17988 National Institute of Diabetes and Digestive and Kidney Diseases, 47122-47124 2021-18039 2021-18040 2021-18041 National Institute of General Medical Sciences, 47121-47122, 47124-47125 2021-18047 2021-18049 2021-18050 National Institute on Aging, 47122-47123, 47125 2021-18038 2021-18051 National Institute on Alcohol Abuse and Alcoholism, 47123-47124 2021-17930 National Oceanic National Oceanic and Atmospheric Administration RULES Endangered and Threatened Wildlife and Plants:

Technical Corrections for the Bryde's whale (Gulf of Mexico subspecies), 47022-47024 2021-17985 NOTICES Meetings: Atlantic Shark Identification Workshops and Protected Species Safe Handling, Release, and Identification Workshops; Schedules, 47061-47063 2021-18021 Gulf of Mexico Fishery Management Council, 47064-47065 2021-17993 New England Fishery Management Council, 47065 2021-17992 South Atlantic Fishery Management Council, 47063-47064 2021-17991 Takes of Marine Mammals Incidental to Specified Activities:

Office of Naval Research's Arctic Research Activities in the Beaufort and Chukchi Seas (Year 4), 47065-47087 2021-18070 National Science National Science Foundation NOTICES Antarctic Conservation Act Permits, 47161-47164 2021-17934 2021-17935 2021-17936 2021-17937 2021-17938 2021-17939 2021-17940 2021-17941 2021-17942 Navy Navy Department NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 47091-47092 2021-18083 2021-18084 Nuclear Regulatory Nuclear Regulatory Commission PROPOSED RULES Categorical Exclusions from Environmental Review, 47032-47033 2021-18058 NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Facility Security Clearance and Safeguarding of National Security Information and Restricted Data, 47165-47166 2021-17961 Requests to Agreement States and Non-Agreement States for Information, 47164-47165 2021-17956 Requirements for Renewal of Operating Licenses for Nuclear Power Plants, 47166-47167 2021-17955 Meetings; Sunshine Act, 47167 2021-18150 Personnel Personnel Management Office NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 47168-47169 2021-18074 Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Financial Resources Questionnaire; Notice of Amount Due Because of Annuity Overpayment, 47167-47168 2021-18064 Presidential Documents Presidential Documents ADMINISTRATIVE ORDERS School for the Nation's Children; Efforts To Ensure a Safe Return to In-Person (Memorandum of August 18, 2021), 46951-46952 2021-18223 Securities Securities and Exchange Commission NOTICES Meetings; Sunshine Act, 47176, 47190 2021-18173 2021-18218 Self-Regulatory Organizations;

Proposed Rule Changes: Cboe BZX Exchange, Inc., 47176-47190 2021-17965 Financial Industry Regulatory Authority, Inc., 47169-47172 2021-17964 National Securities Clearing Corp., 47172-47173 2021-17963 The Options Clearing Corp., 47174-47176 2021-17966 Social Social Security Administration NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals, 47190-47194 2021-17928 State Department State Department NOTICES Meetings: Preparation for International Maritime Organization, 47194-47195 2021-18000 Transportation Department Transportation Department See Federal Aviation Administration See Federal Railroad Administration See Federal Transit Administration Security Transportation Security Administration NOTICES Agency Information Collection Activities;

Proposals, Submissions, and Approvals: Aviation Security Customer Satisfaction Performance Measurement Passenger Survey, 47134-47135 2021-17947 Treasury Treasury Department See Internal Revenue Service U.S. Citizenship U.S. Citizenship and Immigration Services PROPOSED RULES Public Charge Ground of Inadmissibility, 47025-47032 2021-17837 Customs U.S. Customs and Border Protection RULES Temporary Travel Restrictions: Applicable to Land Ports of Entry and Ferries Service Between the United States and Canada, 46964-46966 2021-18060 Applicable to Land Ports of Entry and Ferries Service Between the United States and Mexico, 46963-46964 2021-18061 NOTICES Approved for the Electronic Certification System:

Uruguay Beef Imports, 47127-47128 2021-18009 Unified Unified Carrier Registration Plan NOTICES Meetings; Sunshine Act, 47202 2021-18185 Veteran Affairs Veterans Affairs Department RULES Extension of Veterans' Group Life Insurance Application Periods in Response to the COVID-19 Public Health Emergency, 46982-46983 2021-18089 Loan Guaranty: COVID-19 Veterans Assistance Partial Claim Payment Program, 46983-46984 2021-18001 NOTICES Agency Information Collection Activities; Proposals, Submissions, and Approvals:

Veterans Mortgage Life Insurance Change of Address Statement, 47203 2021-17933 Meetings: Genomic Medicine Program Advisory Committee, 47202-47203 2021-17946 Western Western Area Power Administration NOTICES Loan Determination and Administration Transmission Infrastructure Program, 47099 2021-17997 Reader Aids Consult the Reader Aids section at the end of this issue for phone numbers, online resources, finding aids, and notice of recently enacted public laws. To subscribe to the Federal Register Table of Contents electronic mailing list, go to https://public.govdelivery.com/accounts/USGPOOFR/subscriber/new, enter your e-mail address, then follow the instructions to join, leave, or manage your subscription. 86 160 Monday, August 23, 2021 Rules and Regulations BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1026 Technical Specifications for Credit Card Agreement and Data Submissions Required Under TILA and the CARD Act (Regulation Z) AGENCY:

Bureau of Consumer Financial Protection. ACTION: Notification of technical specifications; procedural rule. SUMMARY: Certain credit card issuers must submit credit card agreements and data to the Bureau of Consumer Financial Protection (Bureau) under the Truth in Lending Act

(TILA)and the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act). The Bureau is issuing new technical specifications for complying with those submission requirements. Credit card issuers will make the required submissions under TILA and the CARD Act through the Bureau's “Collect” website. These technical specifications include registration information and the URL for the website at which issuers (or their designees) can submit the required information. DATES: This notification of technical specifications and procedural rule becomes effective on August 23, 2021. Issuers must make submissions using the Collect website, in accordance with these technical specifications. FOR FURTHER INFORMATION CONTACT: Yaritza Velez, Counsel or Caroline Hong, Senior Counsel, Office of Regulations, at 202-435-7700 or *https://reginquiries.consumerfinance.gov.* For technical assistance regarding the Collect website and submission system, contact *Collect_Support@cfpb.gov.* If you require this document in an alternative electronic format, please contact *CFPB_Accessibility@cfpb.gov.* SUPPLEMENTARY INFORMATION: I. Submission Requirements A. Submission of Data on Credit Card Pricing and Availability (Terms of Credit Card Plans Survey) The Statute In 1988, Congress amended section 136 of the Truth in Lending Act

(TILA)to require the Board of Governors of the Federal Reserve System (Board) to collect certain credit card price and availability information from a sample of credit card issuers and report this information to Congress and make it available to the public. 1 The responsibility to collect this information, through what is called the Terms of Credit Card Plans

(TCCP)Survey, was transferred to the Bureau in 2011. 2 1 Fair Credit and Charge Card Disclosure Act of 1988 (FCCCDA), Public Law 100-583, section 5, 102 Stat. 2960, 2967

(1988)(adding section 136(b) of TILA). TILA section 136(b) is codified at 15 U.S.C. 1646(b). 2 Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), Public Law 111-203, tit. X, section1100A(2), 124 Stat. 1376, 2107 (2010). The transfer of this authority, as a consumer protection function under TILA, became effective on July 21, 2011. *See* Dodd-Frank Act section 1061, 124 Stat. 2035-2039 (consumer financial protection functions to be transferred to the Bureau as of a designated transfer date); 75 FR 57252 (Sept. 20, 2010) (setting transfer date). Specifically, TILA section 136(b) requires the Bureau to collect, on a semiannual basis, credit card price and availability information, including the information required to be disclosed under section 127(c) of TILA, from a broad sample of financial institutions that offer credit card services. Section 127(c) of TILA lists requirements for disclosures in connection with credit and charge card applications and solicitations. 3 3 TILA section 127(c) requires issuers to disclose, among other things, the annual percentage rate for purchases (must state if it is a variable rate); the length of the grace period; the name or description of the balance computation method; the fee for issuance or availability (membership fee); the minimum finance charge; the transaction fee for purchases; the transaction fee for cash advances; the fee for late payment; and the fee for exceeding the credit limit. 15 U.S.C. 1637(c). TILA section 136(b) also requires that the sample of TCCP Survey respondents include the 25 largest issuers of credit cards and no less than 125 additional financial institutions selected by the Bureau in a manner that ensures an equitable geographic distribution within the sample and the representation of a wide spectrum of institutions within the sample. 4 Generally, the Bureau sends an email to each selected issuer requesting that it complete the TCCP Survey. Issuers that do not receive such an email from the Bureau do not need to complete the TCCP Survey. 5 4 15 U.S.C. 1646(b). 5 Bureau of Consumer Fin. Prot., *Collect—TCCP User Guide* 2 (Jan. 2019), *https://files.consumerfinance.gov/f/documents/TCCP_User_Guide_Final.pdf.* There are no implementing regulations for the core TCCP Survey collection requirement in TILA section 136(b). Issuers are required to submit their information “to the Bureau in accordance with such regulations or orders as the Bureau may prescribe.” 6 6 15 U.S.C. 1646(b)(3). The Submission Process In 1990, the Board implemented a “Report of Terms of Credit Card Plans Survey” (FR 2572), in the form of a spreadsheet, to collect the TCCP Survey data elements from financial institutions (issuers) participating in the Survey. 7 The Board collected TCCP Survey responses using the FR 2572 form until 2011, when the collection of information for the TCCP Survey was formally transferred to the Bureau. 8 The Bureau has also used the FR 2572 form to collect information from selected issuers for the TCCP Survey. 9 TCCP Survey data must be reported twice a year, as of January 31 and July 31. 10 If selected by the Bureau to complete the TCCP Survey, an issuer would need to complete its Survey within 10 business days of the end of the Survey date ( *e.g.,* February 14 or August 14, respectively). The information provided by the issuer must be current as of the Survey date ( *i.e.,* January 31 or July 31). 11 7 *See* Bureau of Consumer Fin. Prot., *Supporting Statement Part A: Report of Terms of Credit Card Plans (Form FR 2572) (OMB Control Number: 3170-0001)* 1 (uploaded May 29, 2019), *https://www.reginfo.gov/public/do/DownloadDocument?objectID=91971901.* 8 *See* Office of Mgmt. & Budget, *Notice of Office of Management and Budget Action* (Oct. 24, 2011), *https://www.reginfo.gov/public/do/PRAViewICR?ref_nbr=201110-3170-006#* (approving transfer of FR 2572 from the Board to the Bureau). 9 *See, e.g.,* 84 FR 24764 (May 29, 2019) (notice of and requesting comments for renewal of Office of Management and Budget

(OMB)approval for existing Report of Terms of Credit Card Plan information collection). The FR 2572 form is currently on the Bureau's website at *https://files.consumerfinance.gov/f/documents/bcfp_tccp-survey_form-2572_instructions.pdf.* 10 Bureau of Consumer Fin. Prot., *Report of Terms of Credit Card Plans—Instructions* ( *FR 2572),* page 1, *https://files.consumerfinance.gov/f/documents/bcfp_tccp-survey_form-2572_instructions.pdf.* 11 *See, e.g.,* Bureau of Consumer Fin. Prot., *TCCP Survey FAQs,* page 2 (Question 3) (last updated May 1, 2020), *https://files.consumerfinance.gov/f/documents/cfpb_tccp-survey_faq.pdf.* Starting with the TCCP Survey cycle beginning on July 31, 2018, the Bureau has provided issuers with the voluntary option to make TCCP Survey submissions through its Collect website (Collect). The Bureau has also continued to accept TCCP Survey submissions using the FR 2572 form. For the most recent TCCP Survey cycle beginning on January 31, 2021, 83 percent of TCCP Survey submissions were made via Collect. Collect has simplified the TCCP Survey submission process for issuers in several ways. For example, instructions in Collect are “tiered” so that the submitter only sees relevant questions, thus minimizing the possibility for confusion or error. Collect also avoids instructions that would lead to duplicative responsive information if the system determines that the information has already been provided earlier in the submission process. Additionally, Collect provides an audit trail that allows issuers to clearly verify whether and when each of their submissions has been received by the Bureau and review the contents of past submissions. Further, the Bureau has heard through its market outreach efforts that Survey respondents find Collect to be faster to use than the FR 2572 form, and that it allows them to more easily reference past submissions. The Bureau has also found that Collect facilitates faster processing of TCCP Survey submissions by Bureau staff, which in turn has led to the faster posting of the TCCP Survey results on the Bureau's website 12 and enhanced the public's ability to use the data in a timely manner. The Bureau believes that such gains to issuers, the public, and the Bureau would be increased if all TCCP Survey respondents used Collect, and that any additional burden on Survey respondents as a result of using Collect would be minimal. 12 The Bureau's TCCP Survey database is available at *https://cfpb-sites.force.com/CreditCardPlanSurveys.* In April 2019, the Bureau also started using Collect to receive prepaid account agreements and associated information from prepaid account issuers pursuant to 12 CFR 1005.19. 13 The Bureau has found that Collect also provides a streamlined electronic process for this collection that substantially benefits issuers, the public, and the Bureau. 13 84 FR 7979 (Mar. 6, 2019). For the reasons set forth above, issuers selected by the Bureau to participate in the TCCP Survey must submit their data using Collect, starting with the Survey cycle beginning on January 31, 2022, for which responses are due on February 14, 2022. Afterward, issuers selected by the Bureau to participate in future TCCP Surveys must also use Collect to submit their responses. Issuers selected by the Bureau to participate in the Survey who do not already use Collect can begin the registration process immediately. 14 Upon receiving their login credentials, issuers will be able to start submitting their Survey responses using Collect. See the Technical Specifications in part II below for additional information. 14 Although TCCP Survey respondents currently have the ability to register for Collect, generally TCCP Survey respondents are not aware that they are required to participate in the Survey until receiving notification from the Bureau. As a result, new TCCP Survey Collect users would not need to register for Collect for the purpose of making TCCP Survey submissions until that time. B. Quarterly Submission of Credit Card Agreements The Statute and Regulation In 2009, Congress enacted the Credit Card Accountability Responsibility and Disclosure Act (CARD Act) in order to “establish fair and transparent practices related to the extension of credit” in the credit card market. 15 Section 204 of the CARD Act added new TILA section 122(d) to require creditors to post agreements for open-end consumer credit card plans on the creditors' websites and submit those agreements to the Board for posting on a publicly available website established and maintained by the Board. 16 The Board generally implemented the CARD Act's provisions in subpart G of Regulation Z. 15 Public Law 111-24, 123 Stat. 1734 (2009). 16 15 U.S.C. 1632(d). Specifically, TILA section 122(d)(1) requires each creditor to post its credit card agreements on its own website, and section 122(d)(2) requires the creditor to provide its agreements to the Bureau (formerly the Board). TILA section 122(d)(3) requires the Bureau (formerly the Board) to establish and maintain on its publicly available website a central repository of the agreements it receives under section 122(d)(2). The Board implemented these provisions at 12 CFR 226.58. With the adoption of the Dodd-Frank Act, authority to implement TILA transferred to the Bureau, 17 and the Bureau renumbered this provision in Regulation Z as 12 CFR 1026.58. 18 17 Public Law 111-203, section 1100A, 124 Stat. 2081 (2010). *See also supra* note 2. 18 76 FR 79768 (Dec. 22, 2011). While TILA section 122(d) requires that creditors provide agreements to the Bureau, it does not specify the frequency or timing for these submissions. The implementing regulations in Regulation Z provide that a card issuer must make quarterly submissions to the Bureau “in the form and manner specified by the Bureau,” except as otherwise provided in the regulation. 19 Each submission must contain identifying information about the issuer and the agreements submitted; the credit card agreements that the issuer offered to the public as of the last business day of the preceding calendar quarter that the issuer has not previously submitted to the Bureau; any credit card agreement previously submitted to the Bureau that was amended during the preceding calendar quarter and that the issuer offered to the public as of the last business day of the preceding calendar quarter; and a notification regarding any credit card agreement previously submitted to the Bureau that the issuer is withdrawing. 20 If a credit card agreement has been previously submitted to the Bureau, the agreement has not been amended, and the card issuer continues to offer the agreement to the public, no additional submission regarding that agreement is required for that calendar quarter. 21 These quarterly submissions must be sent to the Bureau no later than the first business day on or after January 31, April 30, July 31, and October 31 of each year. The regulation also provides that, except in certain circumstances, card issuers must post and maintain on their publicly available websites the credit card agreements that the issuers are required to submit to the Bureau. 22 19 12 CFR 1026.58(c)(1). A credit card issuer is not required to submit a credit card agreement to the Bureau pursuant to 12 CFR 1026.58, if it qualifies for the de minimis exception in 12 CFR 1026.58(c)(5), the private label credit card exception in 12 CFR 1026.58(c)(6), or the product testing exception in 12 CFR 1026.58(c)(7). 20 12 CFR 1026.58(c)(1)(i) through (iv). 21 12 CFR 1026.58(c)(3). 22 12 CFR 1026.58(d). The Bureau's implementing regulation at 12 CFR 1026.58(c)(8) provides requirements for the form and content of the quarterly credit card agreement submissions. One such requirement specifies that for each submitted “agreement,” the “[p]ricing information must be set forth in a single addendum to the agreement.” 23 The term “agreement” or “credit card agreement” is defined as “the written document or documents evidencing the terms of the legal obligation, or the prospective legal obligation, between a card issuer and a consumer for a credit card account under an open-end (not home-secured) consumer credit plan” and also includes pricing information. 24 Pricing information is defined to include certain information, including credit card annual percentage rates

(APR)and fees and charges, among other things. 25 Provisions of the agreement other than the pricing information that may vary from one cardholder to another depending on the cardholder's creditworthiness or State of residence or other factors may be set forth in a single addendum to the agreement separate from the pricing information addendum. 26 This addendum is referred to as the variable terms addendum. 23 12 CFR 1026.58(c)(8)(ii)(A). *See also* 12 CFR 1026, Comment 58(c)(8)-2 (“Pricing information must be set forth in the separate addendum described in 1026.58(c)(8)(ii)(A) even if it is also stated elsewhere in the agreement.”). 24 12 CFR 1026.58(b)(1). 25 12 CFR 1026.58(b)(7) (“pricing information” refers to the information listed in 12 CFR 1026.6(b)(2)(i) through (b)(2)(xii)). 26 12 CFR 1026.58(c)(8)(iii). The Submission Process Under the process established by the Board that was used by the Bureau until 2015 and updated as described below in 2016, credit card issuers submit agreements and agreement information to the Bureau manually via email. 27 On April 17, 2015, the Bureau issued a final rule temporarily suspending credit card issuers' obligations under 12 CFR 1026.58 to submit credit card agreements to the Bureau for a period of one year ( *i.e.,* four quarterly submissions), in order to reduce burden while the Bureau worked to develop a more streamlined and automated electronic submission system. 28 When issuing the final rule, the Bureau explained that it believed the manual process “may be unnecessarily cumbersome for issuers and may make issuers' own internal tracking of previously submitted agreements difficult” and noted that “the process for Bureau staff to manually review, catalog, and upload new or revised agreements to the Bureau's website, and to remove outdated agreements, can extend for several months after the quarterly submission deadline.” 29 The Bureau also stated its intent to develop “a more streamlined and automated electronic submission system” that would both allow issuers to upload agreements directly to the Bureau's database and enable faster posting of agreements on the Bureau's website. 30 27 *See* 75 FR 7658, 7923 (Feb. 22, 2010) (technical specifications for the quarterly credit card submission included in Attachment I to the **Federal Register** notice); 81 FR 19467 (Apr. 5, 2016). 28 *See* 12 CFR 1026.58(g); *see also* 80 FR 21153 (Apr. 17, 2015). Credit card issuers' obligations to post currently offered credit card agreements on their publicly available websites under 12 CFR 1026.58(d), and to make agreements for open accounts available to cardholders as required by 12 CFR 1026.58(e), were not affected by the suspension. *See* 80 FR 21153, 21155 (Apr. 17, 2015); *see also* 81 FR 19467 (Apr. 5, 2016) (notice of expiration of suspension). 29 80 FR 21153, 21154 (Apr. 17, 2015). The Bureau's database of credit card agreements is available at *http://www.consumerfinance.gov/credit-cards/agreements/.* 30 80 FR 21153, 21154 (Apr. 17, 2015). The Bureau did not implement the submission system described above during the temporary one-year suspension period and instead posted updated submission instructions in 2016 to its website. 31 The updated submission process, which is currently in use, allows issuers to submit agreements by emailing weblinks to the agreements instead of attaching the agreements as Portable Document Format

(PDF)files. 32 Issuers also continue to have the option to email the agreements as PDF files. However, the process for Bureau staff remains a time-consuming, manual process that extends for several months after each quarterly submission deadline. The process also provides no audit trail or automated verification mechanism by which issuers can confirm receipt of their submissions by the Bureau each quarter and review past quarters' submissions. 31 *See* 81 FR 19467 (Apr. 5, 2016). 32 The current instructions for submitting credit card agreements to the Bureau are available at *https://files.consumerfinance.gov/f/documents/cfpb_card-agreements-submission-instructions.pdf.* Soon after the one-year suspension expired, the Bureau developed and deployed Collect, which is currently used by the Bureau to receive TCCP Survey responses on a voluntary basis and prepaid account agreements and agreement information, as explained above. For the TCCP Survey, Collect has provided a streamlined and automated electronic submission system that is less burdensome and easier for issuers to use, and that has reduced Bureau staff processing time, provided a robust audit trail for submissions, and lessened the time between the dates of issuer submissions and availability of the information to the public. For the prepaid account agreement and information submissions, the Bureau has found that Collect also provides a streamlined electronic process that benefits issuers, the public, and the Bureau. Therefore, for these reasons, issuers making credit card agreement submissions to the Bureau on a quarterly basis must make those submissions using Collect, starting with the submissions for the fourth quarter of calendar year 2021 that are due on January 31, 2022. Subsequent submissions must also be made using Collect, on an ongoing basis. Issuers who do not already use Collect can begin the registration process immediately. All issuers required to make quarterly credit card agreement submissions to the Bureau must register for Collect by November 1, 2021. Once the issuer receives its login credentials, the issuer will have the ability to review its current submissions and start making the required submissions using Collect, starting on December 1, 2021. See the Technical Specifications in part II below for additional information. C. Submission of College Credit Card Marketing Agreements and Data The Statute and Regulation The CARD Act also added new TILA section 127(r), which requires credit card issuers to submit an annual report to the Bureau (formerly the Board) containing the terms and conditions of all business, marketing, promotional agreements, and college affinity card agreements with an institution of higher education, or an alumni organization or foundation affiliated with or related to such institution, with respect to any college student credit card issued to a college student at such institution. 33 This document refers to those agreements as “college credit card marketing agreements.” Under TILA section 127(r), the Bureau (formerly the Board) is obligated to make an annual report listing such information to Congress and to also make the report available to the public. 34 The Board implemented these provisions at 12 CFR 226.57(d). As noted above, in 2011, the Dodd-Frank Act transferred the authority to implement TILA to the Bureau. 35 The Bureau renumbered this provision in Regulation Z as 12 CFR 1026.57(d). 36 33 CARD Act, Public Law 111-24, section 305, 123 Stat. 1734, 1749-1750. TILA section 127(r) is codified as 15 U.S.C. 1637(r). 34 15 U.S.C. 1637(r)(3). 35 Public Law 111-203, section 1100A, 124 Stat. 2081 (2010). *See also supra* note 2. 36 76 FR 79768 (Dec. 22, 2011). Section 1026.57(d) provides that card issuers that were parties to college credit card marketing agreements in effect at any time during a calendar year must submit an annual report to the Bureau regarding those agreements “in the form and manner prescribed by the Bureau” and specifies the information that the report must include. 37 Card issuers are required to submit their annual reports for a given calendar year to the Bureau by the first business day on or after March 31 of the following calendar year. 38 37 Specifically, section 1026.57(d)(2) states that the annual report must include identifying information about the card issuer and agreements submitted; a copy of any college credit card agreement to which the issuer was a party that was in effect at any time during the period covered by the report; a copy of any memorandum of understanding in effect at any time during the period covered by the report, as described by the regulation; the total dollar amount of any payments pursuant to a college credit card agreement from the card issuer to an institution of higher education or affiliated organization during the period covered by the report, and the method or formula used to determine such amounts; the total number of credit card accounts opened pursuant to any college credit card agreement during the period covered by the report; and the total number of credit card accounts opened pursuant to any such agreement that were open at the end of the period covered by the report. 38 12 CFR 1026.57(d)(3). The Submission Process The current process was first established by the Board in 2010 and has been left generally unchanged by the Bureau. 39 Under that process, credit card issuers manually submit their annual report data as PDFs (for agreements) and as tab-delimited plain text files or as a Microsoft Excel Workbook (for associated information) that they send to the Bureau primarily via email. As with the TCCP Survey and quarterly credit card agreement submissions, Bureau staff must then manually review, catalog, and upload college credit card marketing agreements and data to the Bureau's website, 40 which delays the provision of such information to the public. 39 *See* 75 FR 7658, 7923 (Feb. 22, 2010) (technical specifications for the quarterly credit card submission included in Attachment I to the **Federal Register** notice). The current technical specifications were updated by the Board on December 31, 2010, and are available on the Bureau's website, at *http://files.consumerfinance.gov/f/201603_cfpb_consumer-and-college-credit-card-agreement-submission.pdf.* 40 The Bureau's college credit card marketing agreement and data website is available at *https://www.consumerfinance.gov/data-research/student-banking/marketing-agreements-and-data/.* Based on the Bureau's experience with issuer submissions through Collect as to the TCCP Survey and prepaid account agreements and agreement data, the Bureau believes that requiring issuers to submit college credit card marketing agreements and data using Collect will reduce the burden on issuers by eliminating the manual process and lessen the time required for Bureau staff to process the submissions and make the information available to the public. It will also provide a robust audit trail for issuers to track the receipt and contents of current and past submissions. Therefore, for the above reasons, issuers must submit their annual reports related to college credit card marketing agreements and data using Collect, starting with the submissions that are due on March 31, 2022, 41 and continue to do so on an ongoing basis. That is, a card issuer that was a party to one or more college credit card marketing agreements in effect at any time during calendar year 2021 must use Collect to submit to the Bureau an annual report regarding those agreements by March 31, 2022. Subsequent annual submissions must also be made using Collect, on an ongoing basis. Issuers who do not already use Collect can begin the registration process immediately. Once the issuer receives its login credentials, the issuer will have the ability to start making the required submissions using Collect, starting in January 2022. See the Technical Specifications in part II below for additional information. 41 The annual reports are due to the Bureau “by the first business day on or after March 31 of the following calendar year.” 12 CFR 1026.57(d)(3). Because March 31, 2022, falls on a Thursday, the 2022 deadline is March 31, 2022. II. Technical Specifications A. Submission of Data on Credit Card Pricing and Availability (TCCP Survey) The Bureau has established Collect as the mandatory vehicle for submitting the TCCP Survey elements under TILA section 136(b). 42 Issuers that have been selected by the Bureau to participate in the TCCP Survey cycle beginning on January 31, 2022, must submit the required information using Collect within 10 business days at the end of the Survey date ( *i.e.,* no later than February 14, 2022). Selected issuers must also use Collect to make submissions for future TCCP Survey cycles. Collect can be accessed at *https://collect.consumerfinance.gov.* Issuers can begin the registration process for Collect immediately. To register, Survey respondents that have not already registered for Collect must complete a registration form and submit it to *Collect_Support@cfpb.gov.* 43 The Collect registration form is available at *https://files.consumerfinance.gov/f/documents/cfpb_collect-registration.pdf.* Once respondents receive their login credentials, they will be able to submit their TCCP Survey information. 44 42 15 U.S.C. 1646(b). 43 For questions concerning the registration form, please contact the Collect Support Team at *Collect_Support@cfpb.gov.* 44 TCCP Survey respondents who have not used Collect previously are encouraged to register as early as possible after they have received notification from the Bureau that they are required to participate in the Survey, to confirm that they can successfully access the system. *See also* note 14. Collect uses interactive forms to guide respondents through the submission process. After submitting certain identifying information as required by the statute, respondents will be prompted to input the TCCP Survey information into Collect. Compliance Resources For the TCCP Survey submissions required under TILA section 136(b), the Bureau has published compliance resources to assist respondents in using Collect, including a user guide, a quick reference guide, frequently asked questions, and a webinar. These resources are available on the Bureau's website at *https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/.* The Bureau plans to update this website, as needed, to reflect changes made by these technical specifications. For technical assistance related to TCCP Survey submissions, Survey respondents can contact the Bureau at *Collect_Support@cfpb.gov.* B. Quarterly Submission of Credit Card Agreements The Bureau has established Collect as the mandatory vehicle for credit card agreement submissions that must be made to the Bureau on a quarterly basis, pursuant to 12 CFR 1026.58. Collect can be accessed at *https://collect.consumerfinance.gov.* Issuers must use Collect to make their fourth quarter of calendar year 2021 submissions that reflect their agreements in effect as of December 31, 2021, by January 31, 2022. Issuers must also use Collect to make future quarterly credit card agreement submissions. Issuers can begin the registration process for Collect immediately. To register, issuers that have not already registered for Collect must complete a registration form and submit it to *Collect_Support@cfpb.gov* by November 1, 2021. 45 The Collect registration form is available at *https://files.consumerfinance.gov/f/documents/cfpb_collect-registration.pdf.* Once submitters receive their login credentials, they will be able to review their current submissions and make the required submissions for the fourth quarter of calendar year 2021 using Collect, starting on December 1, 2021. 45 Issuers who are not otherwise registered for Collect ( *i.e.,* because they are TCCP Survey respondents already registered for Collect) are encouraged to register as early as possible. For questions concerning the registration form, please contact the Collect Support Team at *Collect_Support@cfpb.gov.* Collect uses interactive forms to guide submitters through the submission process. After submitting certain identifying information as required by 12 CFR 1026.58(c)(1)(i), issuers will be prompted to upload the required documents using Collect. Issuers will be able to upload an agreement, a pricing addendum, and if applicable, a variable terms addendum. Pursuant to 12 CFR 1026.58(c)(8)(ii)(A), pricing information must be set forth in a single addendum, so an issuer must submit only one pricing addendum with each agreement. File Format Credit card agreements submitted through Collect must be in the PDF file format, and must be text-searchable, digitally created PDFs. These PDF files should not be scanned documents, otherwise known as “image-only” PDFs, as these are not text-searchable. For questions about file formats, please contact the Bureau at *Collect_Support@cfpb.gov.* Compliance Resources For quarterly credit card agreement submissions that must be made pursuant to 12 CFR 1026.58, the Bureau is developing compliance resources to assist issuers in using Collect, including a user guide, a quick reference guide, frequently asked questions, and a webinar. These resources will be available on the Bureau's website at a later date. For technical assistance regarding these submissions, issuers can contact the Bureau at *Collect_Support@cfpb.gov.* C. Submission of College Credit Card Marketing Agreements and Data The Bureau has established Collect as the mandatory vehicle for the submission of annual reports related to college credit card marketing agreements and data required under 12 CFR 1026.57. Issuers must use Collect to submit to the Bureau, no later than March 31, 2022, the required information for the college credit card marketing agreements to which the issuers were a party during calendar year 2021. Issuers must also use Collect to make future college credit card marketing agreement and data submissions. Collect can be accessed at *https://collect.consumerfinance.gov.* Issuers can begin the registration process for Collect immediately. To register, issuers that have not already registered for Collect must complete a registration form and submit it to *Collect_Support@cfpb.gov.* 46 The Collect registration form is available at *https://files.consumerfinance.gov/f/documents/cfpb_collect-registration.pdf.* Once submitters receive their login credentials, they will be able to make the required submissions using Collect, starting in January 2022. 46 Issuers who are not otherwise registered for Collect ( *i.e.,* because they are TCCP Survey respondents already registered for Collect) are encouraged to register as early as possible. For questions concerning the registration form, please contact the Collect Support Team at *Collect_Support@cfpb.gov.* Collect uses interactive forms to guide submitters through the submission process. After submitting certain identifying information as required by 12 CFR 1026.57(d)(2)(i), issuers will be prompted to submit the required college credit card marketing agreements and data into Collect. File Format College credit card marketing agreements submitted through Collect must be in the PDF file format, and must be text-searchable, digitally created PDFs, except where noted in the Bureau's compliance resources. For documents that must be text-searchable, these files should not be scanned documents, otherwise known as “image-only” PDFs, as these are not text-searchable. For questions about file formats, please contact the Bureau at *Collect_Support@cfpb.gov.* Compliance Resources For college credit card marketing agreement and data submissions that must be made under 12 CFR 1026.57, the Bureau is developing compliance resources to assist issuers in using Collect, including a user guide, a quick reference guide, frequently asked questions, and a webinar. These resources will be available on the Bureau's website at a later date. For technical assistance regarding these submissions, issuers can contact the Bureau at *Collect_Support@cfpb.gov.* III. Legal Authority The Bureau is issuing this rule pursuant to its authority under section 1022(b)(1) of the Dodd-Frank Act, which authorizes the Bureau to prescribe rules as may be necessary or appropriate to enable the Bureau to administer and carry out the purposes and objectives of Federal consumer financial law. 47 The Bureau is also issuing this rule pursuant to TILA sections 105(a) 48 and 122(d)(5). 49 TILA section 105(a) authorizes the Bureau to prescribe regulations to carry out the purposes of TILA. TILA section 122(d)(5), regarding credit card agreements, authorizes the Bureau to promulgate regulations to implement section 122(d). 47 12 U.S.C. 5512(b)(1). 48 15 U.S.C. 1604(a). 49 15 U.S.C. 1632(d)(5). IV. Regulatory Requirements The Bureau has concluded that these technical specifications constitute a rule of agency organization, procedure, or practice exempt from the notice and comment rulemaking requirements under the Administrative Procedure Act (APA), pursuant to 5 U.S.C. 553(b). Because the procedural rule relates solely to agency procedure and practice, it is not substantive, and therefore is not subject to the 30-day delayed effective date for substantive rules under section 553(d) of the APA. Because no notice of proposed rulemaking is required, the Regulatory Flexibility Act does not require an initial or final regulatory flexibility analysis. V. Paperwork Reduction Act Under the Paperwork Reduction Act of 1995 (PRA), 50 Federal agencies are generally required to seek Office of Management and Budget

(OMB)approval for information collection requirements prior to implementation. Under the PRA, the Bureau may not conduct or sponsor and, notwithstanding any other provision of law, a person is not required to respond to an information collection unless the information collection displays a valid control number assigned by OMB. The collections of information related to this rule have been previously reviewed and approved by OMB and assigned OMB Control Numbers 3170-0001 and 3170-0052. The Bureau has determined that these technical specifications do not impose any new recordkeeping, reporting, or disclosure requirements on covered entities or members of the public that would be collections of information requiring approval by OMB under the PRA. Rather, the Bureau estimates that these specifications will slightly reduce the cost burden for covered entities compared to existing submission practices. 50 44 U.S.C. 3501 *et seq.* VI. Signing Authority The Acting Director of the Bureau, David Uejio, having reviewed and approved this document, is delegating the authority to electronically sign this document to Laura Galban, a Bureau Federal Register Liaison, for purposes of publication in the **Federal Register** . Dated: August 18, 2021. Laura Galban, Federal Register Liaison, Bureau of Consumer Financial Protection. [FR Doc. 2021-17994 Filed 8-20-21; 8:45 am]

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