[Federal Register Volume 79, Number 9 (Tuesday, January 14, 2014)]
[Proposed Rules]
[Page 2384]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2014-00453]


=======================================================================
-----------------------------------------------------------------------

BUREAU OF CONSUMER FINANCIAL PROTECTION

12 CFR Part 1006

[Docket No. CFPB-2013-0033]
RIN 3170-AA41


Debt Collection (Regulation F)

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Advance notice of proposed rulemaking; extension of comment 
period.

-----------------------------------------------------------------------

SUMMARY: On November 12, 2013, the Bureau of Consumer Financial 
Protection (the Bureau) published in the Federal Register an Advance 
Notice of Proposed Rulemaking about debt collection practices (Debt 
Collection ANPR). The Debt Collection ANPR allowed a 90-day comment 
period, closing on February 10, 2014. To allow interested persons more 
time to consider and craft their responses, the Bureau has determined 
that an extension of the comment period until February 28, 2014 is 
appropriate.

DATES: The comment period for the Debt Collection ANPR published 
November 12, 2013, at 78 FR 67868, is extended. Responses must now be 
received on or before February 28, 2014.

ADDRESSES: You may submit comments, identified by Docket No. CFPB-2013-
0033 or Regulatory Identification Number (RIN) 3170-AA41, by any of the 
following methods:
     Electronic: http://www.regulations.gov. Follow the 
instructions for submitting comments.
     Mail/Hand Delivery: Monica Jackson, Office of the 
Executive Secretary, Bureau of Consumer Financial Protection, 1700 G 
Street NW., Washington, DC 20552.
    Instructions: All submissions must include the agency name and 
docket number or RIN. Please include the question number(s) to which 
your comment pertains. In general, all comments received will be posted 
without change to http://www.regulations.gov. In addition, comments 
will be available for public inspection and copying at 1700 G Street 
NW., Washington, DC 20552, on official business days between the hours 
of 10 a.m. and 5 p.m. Eastern Time. You can make an appointment to 
inspect the documents by calling (202) 435-7275.
    All comments submitted through the formal means described above, 
including attachments and other supporting materials, will become part 
of the public record and subject to public disclosure. Sensitive 
personal information, such as account numbers or Social Security 
numbers, should not be included. Comments will not be edited to remove 
any identifying or contact information.
    E-Rulemaking Initiative: The Bureau is working with the Cornell e-
Rulemaking Initiative (CeRI) on a pilot project, RegulationRoom 
(www.RegulationRoom.org), that uses web technologies and approaches to 
enhance public understanding and effective participation. This ANPR on 
debt collection is a focus of the project. RegulationRoom is set up to 
make it easier for consumers and others to understand what the Bureau 
is considering, to share their information, experiences, and concerns, 
and to discuss possible ideas and solutions. Note that RegulationRoom 
is not an official United States Government Web site. Although comments 
made on that site are not formal comments like those submitted through 
the means identified above, the discussion on RegulationRoom will be 
captured through a detailed summary, which participants will have the 
chance to review and suggest revisions. This summary will be filed as a 
formal comment on Regulations.gov. For questions about this project, 
please contact Whitney Patross, Counsel, Office of Regulations, at 
(202) 435-7700.

FOR FURTHER INFORMATION CONTACT: For general inquiries, submission 
process questions, or any additional information, please contact Monica 
Jackson, Office of the Executive Secretary, 202-435-7275.

SUPPLEMENTARY INFORMATION: On November 12, 2013, the Bureau published 
the Debt Collection ANPR in the Federal Register. The Debt Collection 
ANPR seeks comment, data and information from the public about debt 
collection practices.
    The comment period for the Debt Collection ANPR was to close on 
February 10, 2014.
    The Bureau has received three formal written requests from industry 
trade groups for an extension of the Debt Collection ANPR comment 
period. The request letters indicated more time would enable a higher 
quality response and yield greater insight to the Bureau. The Bureau 
has also received informal inquiries from other types of stakeholders 
expressing an interest in having more time to compile information in 
response to the ANPR.
    The Bureau has carefully balanced interested persons' desire to 
have more time to consider the issues raised in the Debt Collection 
ANPR, gather data, and prepare their responses, with the fact that this 
is the first of what the Bureau expects to be many opportunities for 
public input over time. Accordingly, the Bureau is extending the period 
allotted for comments received pursuant to the Debt Collection ANPR. 
The comment period will now close on February 28, 2014.

    Dated: January 6, 2014.
Richard Cordray,
Director, Bureau of Consumer Financial Protection.
[FR Doc. 2014-00453 Filed 1-13-14; 8:45 am]
BILLING CODE 4810-AM-P