Notice2026-03082
Agency Information Collection Activities: Proposed Collection Renewal; Comment Request
Primary source
Metadata and text below are from the Federal Register, a public-domain U.S. government work. Always verify the official published version before relying on it for any legal matter.
Published
February 17, 2026
Issuing agencies
Federal Deposit Insurance Corporation
Abstract
The FDIC, as part of its obligations under the Paperwork Reduction Act of 1995, invites the general public and other Federal agencies to take this opportunity to comment on the request to renew the existing information collections described below (OMB Control No. 3064-0046; -0118; -0174; 0188 and -0202). The notices of proposed renewal for these information collections were previously published in the Federal Register on December 9, 2025 and December 15, 2025, allowing for a 60-day comment period. No comments have been received in response to the 60-day Federal Register notices.
Full Text
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<title>Federal Register, Volume 91 Issue 31 (Tuesday, February 17, 2026)</title>
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[Federal Register Volume 91, Number 31 (Tuesday, February 17, 2026)]
[Notices]
[Pages 7284-7287]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2026-03082]
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FEDERAL DEPOSIT INSURANCE CORPORATION
[OMB No. 3064-0046; -0118; -0174; 0188 and -0202]
Agency Information Collection Activities: Proposed Collection
Renewal; Comment Request
AGENCY: Federal Deposit Insurance Corporation (FDIC).
ACTION: Notice and request for comment.
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SUMMARY: The FDIC, as part of its obligations under the Paperwork
Reduction Act of 1995, invites the general public and other Federal
agencies to take this opportunity to comment on the request to renew
the existing information collections described below (OMB Control No.
3064-0046; -0118; -0174; 0188 and -0202). The notices of proposed
renewal for these information collections were previously published in
the Federal Register on December 9, 2025 and December 15, 2025,
allowing for a 60-day comment period. No comments have been received in
response to the 60-day Federal Register notices.
DATES: Comments must be submitted on or before March 19, 2026.
ADDRESSES: Interested parties are invited to submit written comments to
the FDIC by any of the following methods:
<bullet> Agency Website: <a href="https://www.fdic.gov/resources/regulations/federal-register-publications/">https://www.fdic.gov/resources/regulations/federal-register-publications/</a>.
<bullet> Email: <a href="/cdn-cgi/l/email-protection#65060a0808000b11162503010c064b020a13"><span class="__cf_email__" data-cfemail="b6d5d9dbdbd3d8c2c5f6d0d2dfd598d1d9c0">[email protected]</span></a>. Include the name and number of
the collection in the subject line of the message.
<bullet> Mail: Robert Meiers, Regulatory Attorney, MB-3013, Federal
Deposit Insurance Corporation, 550 17th Street NW, Washington, DC
20429.
<bullet> Hand Delivery: Comments may be hand-delivered to the guard
station at the rear of the 17th Street NW building (located on F Street
NW), on business days between 7 a.m. and 5 p.m.
Written comments and recommendations for the proposed information
collection should be sent within 30 days of publication of this notice
to <a href="http://www.reginfo.gov/public/do/PRAMain">www.reginfo.gov/public/do/PRAMain</a>. Find these information
collections by selecting ``Currently under 30-day Review--Open for
Public Comments'' or by using the search function.
FOR FURTHER INFORMATION CONTACT: Robert Meiers, Regulatory Attorney,
<a href="/cdn-cgi/l/email-protection#3a6855575f535f48497a5c5e5359145d554c"><span class="__cf_email__" data-cfemail="c496aba9a1ada1b6b784a2a0ada7eaa3abb2">[email protected]</span></a>, MB-3013, Federal Deposit Insurance Corporation, 550
17th Street NW, Washington, DC 20429.
SUPPLEMENTARY INFORMATION:
Proposal to renew the following currently approved collection of
information:
1. Title: Home Mortgage Disclosure (HMDA).
OMB Number: 3064-0046.
Form Number: N/A
Affected Public: Insured state nonmember banks.
Burden Estimate:
Summary of Estimated Annual Burden (OMB No. 3064-0046)
----------------------------------------------------------------------------------------------------------------
Type of burden Number of Average time Annual
Information collection (IC) (frequency of Number of responses per per response burden
(obligation to respond) response) respondents respondent (HH:MM) (hours)
----------------------------------------------------------------------------------------------------------------
Full Data--HMDA (12 CFR 1003.4(a) Reporting (Annual).. 353 1,237 00:35 254,719
and 1003.5(a)(3)).
Partial Data--HMDA (12 CFR Reporting (Annual).. 1,078 170 00:20 61,087
1003.4(a) and 1003.5(a)(3)).
Retain copy of LAR for at least Recordkeeping 1,431 1 00:30 716
three years (12 CFR (Annual).
1003.5(a)(1)(i)).
Make the written notices required Recordkeeping 1,431 1 00:10 239
under 12 CFR 1003.5(b)(2) and (Annual).
1003.5(c)(1) available for five
and three years, respectively
(12 CFR 1003.5(d)(1)).
Record LAR data within 30 days Recordkeeping (One 192 1 12:00 2,304
after the end of the calendar time).
quarter in which final action is
taken (New reporters) (12 CFR
1003.4(f)).
Record LAR data within 30 days Recordkeeping 1,431 4 01:30 8,586
after the end of the calendar (Quarterly).
quarter in which final action is
taken (All reporters) (12 CFR
1003.4(f)).
Provide written notice upon Third-party 1,431 1 00:30 716
request that the FFIEC Disclosure (Annual).
disclosure statement is
available on the CFPB's website
(12 CFR 1003.5(b)(2)).
Provide written notice upon Third-party 1,431 1 00:30 716
request that the institution's Disclosure (On
modified LAR is available on the Occasion).
CFPB's website (12 CFR
1003.5(c)(1)).
Make the FFIEC disclosure Third-party 72 1 01:00 72
statement and/or modified LAR Disclosure (On
available to the public directly Occasion).
through the institution (12 CFR
1003.5(d)(2)).
[[Page 7285]]
General notice of availability of Third-party 192 1 01:00 192
HMDA data in lobby of home Disclosure (One
office and each branch office time).
located in each MSA and each MD
(12 CFR 1003.5(e)).
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Total Annual Burden (Hours).. .................... ............ .............. .............. 329,347
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Source: FDIC.
General Description of Collection: The Board of Governors of the
Federal Reserve System (the Board) promulgated Regulation C, 12 CFR
part 203, to implement the Home Mortgage Disclosure Act (HMDA), 12
U.S.C. 2801-2810. Regulation C requires depository institutions that
meet its asset-size threshold to maintain data about home loan
applications (the type of loan requested, the purpose of the loan,
whether the loan was approved, and the type of purchaser if the loan
was later sold), to update the information quarterly, and to report the
information annually. Pursuant to Regulation C, insured state-nonmember
banks supervised by the FDIC with assets over a certain dollar
threshold must collect, record, and report data about home loan
applications. The total estimated annual burden for this information
collection is 329,347 hours. This represents a 44 percent decrease from
the 2022 information collection. The decrease is driven by a reduction
in the estimated number of responses per respondent.
2. Title: Management Official Interlocks.
OMB Number: 3064-0118.
Form Number: N/A.
Affected Public: Insured state nonmember banks and state savings
associations.
Burden Estimate:
Summary of Estimated Annual Burden (OMB No. 3064-0118)
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Type of burden Number of Average time Annual
Information collection (IC) (frequency of Number of responses per per response burden
(obligation to respond) response) respondents respondent (HH:MM) (hours)
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1. Management Official Interlocks Reporting (On 3 1 09:00 27
(Mandatory). Occasion).
2. Management Official Interlocks Recordkeeping (On 3 1 06:00 18
(Mandatory). Occasion).
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Total Annual Burden (Hours).. .................... ............ .............. .............. 45
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Source: FDIC.
General Description of Collection: The FDIC's Management Official
Interlocks regulation, 12 CFR 348, which implements the Depository
Institutions Management Interlocks Act (DIMIA), 12 U.S.C. 3201-3208,
generally prohibits bank management officials from serving
simultaneously with two unaffiliated depository institutions or their
holding companies but allows the FDIC to grant exemptions in
appropriate circumstances. Consistent with DIMIA, the FDIC's Management
Official Interlocks regulation has an application requirement requiring
information specified in the FDIC's procedural regulation. The rule
also contains a notification requirement. There is no change in the
method or substance of the collection. The increase of 38 hours from 7
in 2023 to the current estimate of 45 hours is due to an increase in
respondents and revised estimates of time per response for applications
and recordkeeping.
3. Title: Funding and Liquidity Risk Management.
OMB Number: 3064-0174.
Form Number: N/A.
Affected Public: Businesses or other for-profits.
Burden Estimate:
Summary of Estimated Annual Burden (OMB No. 3064-0174)
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Type of burden Number of Average time Annual
Information collection (IC) (frequency of Number of responses per per response burden
(obligation to respond) response) respondents respondent (HH:MM) (hours)
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Strategies, Policies, Procedures, Recordkeeping 2,854 1 6:45 19,265
and Risk Tolerances (Voluntary). (Annual).
Liquidity Risk Measurement, Recordkeeping 2,854 12 9:30 325,356
Monitoring, and Reporting (Monthly).
(Voluntary).
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Total Annual Burden (Hours).. .................... ............ .............. .............. 344,621
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Source: FDIC.
General Description of Collection: The information collection
includes reporting and recordkeeping burdens related to sound risk
management principles applicable to insured depository institutions. To
enable an institution and its supervisor to evaluate the liquidity risk
exposure of an institution's individual business lines and for the
institution as a whole, the Interagency Policy Statement on Funding and
Liquidity Risk Management (Interagency Statement) summarizes principles
of sound liquidity risk management and advocates the establishment of
policies and procedures that consider liquidity costs, benefits, and
risks in strategic
[[Page 7286]]
planning. In addition, the Interagency Statement encourages the use of
liquidity risk reports that provide detailed and aggregate information
on items such as cash flow gaps, cash flow projections, assumptions
used in cash flow projections, asset and funding concentrations,
funding availability, and early warning or risk indicators. This is
intended to enable management to assess an institution's sensitivity to
changes in market conditions, the institution's financial performance,
and other important risk factors. There is no change in the substance
of this collection. The estimated annual burden for this ICR is 344,621
hours per year. This estimate represents a 32 percent decrease from the
2023 ICR estimate of 503,881 hours per year. The decrease is driven by
the change in methodology for estimating the burden for each response.
4. Title: Appraisals for Higher-Priced Mortgage Loans.
OMB Number: 3064-0188.
Form Number: N/A.
Affected Public: Insured state nonmember banks and state savings
associations.
Burden Estimate:
Summary of Estimated Annual Burden (OMB No. 3064-0188)
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Type of Burden Number of Average time Annual
Information collection (IC) (frequency of Number of responses per per response burden
(obligation to respond) response) Respondents respondent (HH:MM) (hours)
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1. Disclose to applicant that the Disclosure (On 2,743 10.25 00:01 469
IDI may obtain an appraisal for Occasion).
the property, 12 CFR Part
1026.35(c)(5)(i) (Mandatory).
2. Provide copy of written Disclosure (On 2,743 11.03 00:08 4,034
appraisal to the consumer, 12 Occasion).
CFR Part 1026.35(c)(6)(i)
(Mandatory).
3. Provide documentation of Disclosure (On 2,743 5.07 00:05 1,159
property value to the consumer Occasion).
in lieu of an appraisal, 12 CFR
Part 1026.35(c)(2)(viii)(B)
(Mandatory).
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Total Annual Burden (Hours).. .................... ............ .............. .............. 5,662
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Source: FDIC.
General Description of Collection: Section 1471 of the Dodd-Frank
Act established a new Truth in Lending (TILA) section 129H, which
contains appraisal requirements applicable to higher-risk mortgages and
prohibits a creditor from extending credit in the form of a higher-risk
mortgage loan to any consumer without meeting those requirements. A
higher-risk mortgage is defined as a residential mortgage loan secured
by a principal dwelling with an annual percentage rate (APR) that
exceeds the average prime offer rate (APOR) for a comparable
transaction as of the date the interest rate is set by certain
enumerated percentage point spreads. The rule requires that, within
three days of application, a creditor provide a disclosure that informs
consumers regarding the purpose of the appraisal, that the creditor
will provide the consumer a copy of any appraisal, and that the
consumer may choose to have a separate appraisal conducted at the
expense of the consumer. If a loan meets the definition of a higher-
risk mortgage loan, then the creditor would be required to obtain a
written appraisal prepared by a certified or licensed appraiser who
conducts a physical visit of the interior of the property that will
secure the transaction and send a copy of the written appraisal to the
consumer. To qualify for the safe harbor provided under the rule, a
creditor is required to review the written appraisal as specified in
the text of the rule and appendix A. If a loan is classified as a
higher-risk mortgage loan that will finance the acquisition of the
property to be mortgaged, and the property was acquired within the
previous 180 days by the seller at a price that was lower than the
current sale price, then the creditor is required to obtain an
additional appraisal. A creditor is required to provide the consumer a
copy of the appraisal reports performed in connection with the loan,
without charge, at least days prior to consummation of the loan. There
is no change in the method or substance of the collection. The decrease
of 1,750 hours from 7,412 in 2022 to the current estimate of 5,662
hours is due to a decrease in respondents and number of responses per
respondent.
1. Title: Recordkeeping for Timely Deposit Insurance Determination.
OMB Number: 3064-0202.
Form Number: N/A.
Affected Public: Insured state nonmember banks and state savings
associations.
Burden Estimate:
Summary of Estimated Annual Burden (OMB No. 3064-0202)
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Type of burden Number of Average time Annual
Information collection (IC) (frequency of Number of responses per per response burden
(obligation to respond) response) respondents respondent (HH:MM) (hours)
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1. Implementation--Lowest Recordkeeping 1 1 3145:00 3,145
Complexity, 12 CFR 370 (Annual).
(Mandatory).
2. Implementation--Medium Recordkeeping 1 1 5960:00 5,960
Complexity, 12 CFR 370 (Annual).
(Mandatory).
3. Implementation--Highest Recordkeeping 1 0.333 36307:00 0
Complexity, 12 CFR 370 (Annual).
(Mandatory).
4. Ongoing--Lowest Complexity, 12 Recordkeeping 10 1 5:00 50
CFR 370 (Mandatory). (Annual).
5. Ongoing--Medium Complexity, 12 Recordkeeping 11 1 60:00 660
CFR 370 (Mandatory). (Annual).
6. Ongoing--Highest Complexity, Recordkeeping 5 1 20:00 100
12 CFR 370 (Mandatory). (Annual).
7. Request for Exception, 12 CFR Reporting (On 1 1 20:00 20
370.8(b) (RtoB). occasion).
8. Request for Release, 12 CFR Reporting (On 1 1 20:00 20
370.8(c) (RtoB). occasion).
9. Request for Extension, 12 CFR Reporting (On 1 1 20:00 20
370.6(b) (RtoB). occasion).
10. Request for Exemption, 12 CFR Reporting (On 1 1 20:00 20
370.8(a) (RtoB). occasion).
11. Annual Certification and Reporting (Annual).. 29 1 5:00 145
Report, 12 CFR 370.10(a)
(Mandatory).
12. Written information to Disclosure (Annual). 29 1 1:00 29
Account Holder, 12 CFR 370.5(a)
(Mandatory).
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Total Annual Burden (Hours).. .................... ............ .............. .............. 10,169
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Source: FDIC.
RtoB--Required to Receive Benefits.
[[Page 7287]]
Line 3 of the table FDIC expects no entities to file but has kept that line item with 0 burden in case needed
for future IC renewal cycle.
General Description of Collection: When a bank fails, the FDIC must
provide depositors insured funds ``as soon as possible'' after failure
while also resolving the failed bank in the least costly manner. The 12
CFR part 370 facilitates prompt payment of FDIC insured deposits when
large insured depository institutions fail. The rule requires insured
depository institutions that have two million or more deposit accounts
(covered institutions), to maintain complete and accurate data on each
depositor's ownership interest by right and capacity for all of the
covered institution's deposit accounts. The covered institutions are
required to develop the capability to calculate the insured and
uninsured amounts for each deposit owner, by ownership right and
capacity, for all deposit accounts. This data would be used by the FDIC
to make timely deposit insurance determinations in the event of a
covered insured depository institution's failure. There is no change in
the method or substance of the collection. The decrease of 42,483 hours
from 52,652 hours in 2023 to the current estimate of 10,169 hours is
due the elimination of the implementation burden for the Highest
Complexity covered insured depository institutions (IDIs) and the
reduction in the times per response.
Request for Comment
Comments are invited on: (a) Whether the collection of information
is necessary for the proper performance of the FDIC's functions,
including whether the information has practical utility; (b) the
accuracy of the estimates of the burden of the information collection,
including the validity of the methodology and assumptions used; (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, including through the use of automated
collection techniques or other forms of information technology. All
comments will become a matter of public record.
Federal Deposit Insurance Corporation.
Dated at Washington, DC, on February12, 2026.
Jennifer M. Jones,
Deputy Executive Secretary.
[FR Doc. 2026-03082 Filed 2-13-26; 8:45 am]
BILLING CODE 6714-01-P
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This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.