Federal Register/Vol. 80, No. 70/Monday, April 13, 2015/Notices

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matter expertise, geographic

representation, and the representation of

women and minority groups.

CAC members must be willing and

able to make the necessary time

commitment to participate in

organizational conference calls and

prepare for and attend meetings two

times a year (usually for two days). The

meetings will be held at the Board’s

offices in Washington, DC The Board

will provide a nominal honorarium and

will reimburse CAC members only for

their actual travel expenses subject to

Board policy.

By order of the Board of Governors of the

Federal Reserve System, acting through the

Director of the Division of Consumer and

Community Affairs under delegated

authority, April 7, 2015.

Robert deV. Frierson,

Secretary of the Board.

[FR Doc. 2015–08354 Filed 4–10–15; 8:45 am]

BILLING CODE 6210–01–P

FEDERAL RESERVE SYSTEM

Change in Bank Control Notices;

Acquisitions of Shares of a Bank or

Bank Holding Company

The notificants listed below have

applied under the Change in Bank

Control Act (12 U.S.C. 1817(j)) and

§ 225.41 of the Board’s Regulation Y (12

CFR 225.41) to acquire shares of a bank

or bank holding company. The factors

that are considered in acting on the

notices are set forth in paragraph 7 of

the Act (12 U.S.C. 1817(j)(7)).

The notices are available for

immediate inspection at the Federal

Reserve Bank indicated. The notices

also will be available for inspection at

the offices of the Board of Governors.

Interested persons may express their

views in writing to the Reserve Bank

indicated for that notice or to the offices

of the Board of Governors. Comments

must be received not later than April 28,

2015.

A. Federal Reserve Bank of

Minneapolis (Jacquelyn K. Brunmeier,

Assistant Vice President) 90 Hennepin

Avenue, Minneapolis, Minnesota

55480–0291:

1. Beth A. Sparboe Schnell, Hamel,

Minnesota, and Garth D. Sparboe, Des

Moines, Iowa, each as a personal

representative of the Estate of Robert D.

Sparboe, individually and as a control

group acting in concert, to retain voting

shares of CNB Financial Corporation,

and thereby indirectly retain voting

shares of Center National Bank, both in

Litchfield, Minnesota.

Board of Governors of the Federal Reserve

System, April 8, 2015.

Michael J. Lewandowski,

Associate Secretary of the Board.

[FR Doc. 2015–08372 Filed 4–10–15; 8:45 am]

BILLING CODE 6210–01–P

FEDERAL TRADE COMMISSION

[File No. 152 3015]

TES Franchising, LLC; Analysis of

Proposed Consent Order To Aid Public

Comment

AGENCY

: Federal Trade Commission.

ACTION

: Proposed Consent Agreement.

SUMMARY

: The consent agreement in this

matter settles alleged violations of

federal law prohibiting unfair or

deceptive acts or practices. The attached

Analysis to Aid Public Comment

describes both the allegations in the

draft complaint and the terms of the

consent order—embodied in the consent

agreement—that would settle these

allegations.

DATES

: Comments must be received on

or before May 7, 2015.

ADDRESSES

: Interested parties may file a

comment at https://

ftcpublic.commentworks.com/ftc/

tesfranchisingconsent online or on

paper, by following the instructions in

the Request for Comment part of the

SUPPLEMENTARY INFORMATION

section

below. Write ‘‘TES Franchising, LLC,

Consent Agreement; File No. 1523015’’

on your comment and file your

comment online at https://

ftcpublic.commentworks.com/ftc/

tesfranchisingconsent by following the

instructions on the web-based form. If

you prefer to file your comment on

paper, write ‘‘TES Franchising, LLC,

Consent Agreement; File No. 1523015’’

on your comment and on the envelope,

and mail your comment to the following

address: Federal Trade Commission,

Office of the Secretary, 600

Pennsylvania Avenue NW., Suite CC–

5610 (Annex D), Washington, DC 20580,

or deliver your comment to the

following address: Federal Trade

Commission, Office of the Secretary,

Constitution Center, 400 7th Street SW.,

5th Floor, Suite 5610 (Annex D),

Washington, DC 20024.

FOR FURTHER INFORMATION CONTACT

Jessica Lyon, Bureau of Consumer

Protection, (202) 326–2344, 600

Pennsylvania Avenue NW., Washington,

DC 20580.

SUPPLEMENTARY INFORMATION

: Pursuant

to Section 6(f) of the Federal Trade

Commission Act, 15 U.S.C. 46(f), and

FTC Rule 2.34, 16 CFR 2.34, notice is

hereby given that the above-captioned

consent agreement containing consent

order to cease and desist, having been

filed with and accepted, subject to final

approval, by the Commission, has been

placed on the public record for a period

of thirty (30) days. The following

Analysis to Aid Public Comment

describes the terms of the consent

agreement, and the allegations in the

complaint. An electronic copy of the

full text of the consent agreement

package can be obtained from the FTC

Home Page (for April 7, 2015), on the

World Wide Web at: http://www.ftc.gov/

os/actions.shtm.

You can file a comment online or on

paper. For the Commission to consider

your comment, we must receive it on or

before May 7, 2015. Write ‘‘TES

Franchising, LLC, Consent Agreement;

File No. 1523015’’ on your comment.

Your comment—including your name

and your state—will be placed on the

public record of this proceeding,

including, to the extent practicable, on

the public Commission Web site, at

http://www.ftc.gov/os/

publiccomments.shtm. As a matter of

discretion, the Commission tries to

remove individuals’ home contact

information from comments before

placing them on the Commission Web

site.

Because your comment will be made

public, you are solely responsible for

making sure that your comment does

not include any sensitive personal

information, like anyone’s Social

Security number, date of birth, driver’s

license number or other state

identification number or foreign country

equivalent, passport number, financial

account number, or credit or debit card

number. You are also solely responsible

for making sure that your comment does

not include any sensitive health

information, like medical records or

other individually identifiable health

information. In addition, do not include

any ‘‘[t]rade secret or any commercial or

financial information which . . . is

privileged or confidential,’’ as discussed

in Section 6(f) of the FTC Act, 15 U.S.C.

46(f), and FTC Rule 4.10(a)(2), 16 CFR

4.10(a)(2). In particular, do not include

competitively sensitive information

such as costs, sales statistics,

inventories, formulas, patterns, devices,

manufacturing processes, or customer

names.

If you want the Commission to give

your comment confidential treatment,

you must file it in paper form, with a

request for confidential treatment, and

you have to follow the procedure

explained in FTC Rule 4.9(c), 16 CFR

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In particular, the written request for confidential

treatment that accompanies the comment must

include the factual and legal basis for the request,

and must identify the specific portions of the

comment to be withheld from the public record. See

FTC Rule 4.9(c), 16 CFR 4.9(c).

4.9(c).

Your comment will be kept

confidential only if the FTC General

Counsel, in his or her sole discretion,

grants your request in accordance with

the law and the public interest.

Postal mail addressed to the

Commission is subject to delay due to

heightened security screening. As a

result, we encourage you to submit your

comments online. To make sure that the

Commission considers your online

comment, you must file it at https://

ftcpublic.commentworks.com/ftc/

tesfranchisingconsent by following the

instructions on the web-based form. If

this Notice appears at http://

www.regulations.gov/#!home, you also

may file a comment through that Web

site.

If you file your comment on paper,

write ‘‘TES Franchising, LLC, Consent

Agreement; File No. 1523015’’ on your

comment and on the envelope, and mail

your comment to the following address:

Federal Trade Commission, Office of the

Secretary, 600 Pennsylvania Avenue

NW., Suite CC–5610 (Annex D),

Washington, DC 20580, or deliver your

comment to the following address:

Federal Trade Commission, Office of the

Secretary, Constitution Center, 400 7th

Street SW., 5th Floor, Suite 5610

(Annex D), Washington, DC 20024. If

possible, submit your paper comment to

the Commission by courier or overnight

service.

Visit the Commission Web site at

http://www.ftc.gov to read this Notice

and the news release describing it. The

FTC Act and other laws that the

Commission administers permit the

collection of public comments to

consider and use in this proceeding as

appropriate. The Commission will

consider all timely and responsive

public comments that it receives on or

before May 7, 2015. You can find more

information, including routine uses

permitted by the Privacy Act, in the

Commission’s privacy policy, at http://

www.ftc.gov/ftc/privacy.htm.

Analysis of Proposed Consent Order To

Aid Public Comment

The Federal Trade Commission

(‘‘FTC’’ or ‘‘Commission’’) has accepted,

subject to final approval, a consent

agreement applicable to TES

Franchising, LLC (‘‘TES’’).

The proposed consent order has been

placed on the public record for thirty

(30) days for receipt of comments by

interested persons. Comments received

during this period will become part of

the public record. After thirty (30) days,

the Commission will again review the

agreement and the comments received,

and will decide whether it should

withdraw from the agreement and take

appropriate action or make final the

agreement’s proposed order.

This matter concerns alleged false or

misleading representations that TES

made to consumers concerning its

participation in the Safe Harbor privacy

frameworks agreed upon by the U.S. and

the European Union and the U.S. and

Switzerland (collectively, ‘‘Safe Harbor

Frameworks’’) and concerning the

handling of consumer disputes relating

to the Safe Harbor Frameworks. The

proposed complaint also alleges that

TES made false or misleading

representations to the effect that it was

a current licensee of the TRUSTe self-

regulatory program.

The Safe Harbor Frameworks allow

U.S. companies to transfer data outside

the EU and Switzerland consistent with

European law. To join the Safe Harbor

Frameworks, a company must self-

certify to the U.S. Department of

Commerce (‘‘Commerce’’) that it

complies with a set of principles and

related requirements that have been

deemed by the European Commission

and Switzerland as providing

‘‘adequate’’ privacy protection. These

principles include notice, choice,

onward transfer, security, data integrity,

access, and enforcement. Among other

things, the enforcement principle

requires companies to provide a readily

available and affordable independent

recourse mechanism to investigate and

resolve an individual’s complaints and

disputes. Commerce maintains a public

Web site, www.export.gov/safeharbor,

where it posts the names of companies

that have self-certified to the Safe

Harbor Frameworks. The listing of

companies indicates whether their self-

certification is ‘‘current’’ or ‘‘not

current.’’ Companies are required to re-

certify every year in order to retain their

status as ‘‘current’’ members of the Safe

Harbor Frameworks.

TES provides business coaching

services to franchisees. According to the

Commission’s complaint, TES has set

forth on its Web site,

www.entrepreneursource.com, privacy

policies and statements about its

practices, including (1) statements

related to its participation in the Safe

Harbor Frameworks and (2) statements

indicating that it is a licensee of the

TRUSTe Privacy Program.

The Commission’s complaint alleges

that from March 2013 until February

2015 TES falsely represented that it was

a ‘‘current’’ participant in the Safe

Harbor Frameworks when, in fact, the

company’s self-certifications had

lapsed. The Commission’s complaint

also alleges that during this same time

period TES represented that all Safe

Harbor-related disputes would be

settled by an ‘‘arbitration administered

agency’’ such as the American

Arbitration Association, that hearings

would take place in Connecticut, and

that the costs of arbitration would be

shared equally by the parties. In fact, the

independent recourse mechanism

authorized under TES’s Safe Harbor

certification was the European data

protection authorities, which resolve

Safe Harbor-related disputes at no cost

to consumers and do not require in-

person hearings. The Commission’s

complaint alleges that these false

representations are likely to deter EU

and Swiss citizens from attempting to

take advantage of the dispute resolution

services offered by the company.

The Commission’s complaint further

alleges that until February 2015, TES

represented through statements in its

online privacy policy that it was a

current licensee of the TRUSTe Privacy

Program, when, in fact, it was not a

current licensee.

Part I of the proposed order prohibits

TES from making misrepresentations

about its membership in any privacy or

security program sponsored by the

government or any other self-regulatory

or standard-setting organization,

including, but not limited to, the U.S.-

EU Safe Harbor Framework, the U.S.-

Swiss Safe Harbor Framework, and the

TRUSTe privacy programs. Part II of the

proposed order also prohibits TES from

misrepresenting in any manner, its

participation in, or the rules, processes,

policies, or costs of, any alternative

dispute resolution process or service,

including but not limited to, arbitration,

mediation, or other independent

recourse mechanism.

Parts III through VII of the proposed

order are reporting and compliance

provisions. Part III requires TES to

retain documents relating to its

compliance with the order for a five-

year period. Part IV requires

dissemination of the order now and in

the future to persons with

responsibilities relating to the subject

matter of the order. Part V ensures

notification to the FTC of changes in

corporate status. Part VI mandates that

TES submit an initial compliance report

to the FTC, and make available to the

FTC subsequent reports. Part VII is a

provision ‘‘sunsetting’’ the order after

twenty (20) years, with certain

exceptions.

The purpose of this analysis is to

facilitate public comment on the

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In particular, the written request for confidential

treatment that accompanies the comment must

include the factual and legal basis for the request,

and must identify the specific portions of the

comment to be withheld from the public record. See

FTC Rule 4.9(c), 16 CFR 4.9(c).

proposed order. It is not intended to

constitute an official interpretation of

the proposed complaint or order or to

modify the order’s terms in any way.

By direction of the Commission.

Donald S. Clark,

Secretary.

[FR Doc. 2015–08385 Filed 4–10–15; 8:45 am]

BILLING CODE 4910–13–P

FEDERAL TRADE COMMISSION

[File No. 152 3051]

American International Mailing, Inc.;

Analysis of Proposed Consent Order

To Aid Public Comment

AGENCY

: Federal Trade Commission.

ACTION

: Proposed Consent Agreement.

SUMMARY

: The consent agreement in this

matter settles alleged violations of

federal law prohibiting unfair or

deceptive acts or practices. The attached

Analysis to Aid Public Comment

describes both the allegations in the

draft complaint and the terms of the

consent order—embodied in the consent

agreement—that would settle these

allegations.

DATES

: Comments must be received on

or before May 7, 2015.

ADDRESSES

: Interested parties may file a

comment at https://ftcpublic.comment

works.com/ftc/americaninternconsent

online or on paper, by following the

instructions in the Request for Comment

part of the

SUPPLEMENTARY INFORMATION

section below. Write ‘‘American

International Mailing, Inc.—Consent

Agreement; File No. 152 3051’’ on your

comment and file your comment online

at https://ftcpublic.commentworks.com/

ftc/americaninternconsent by following

the instructions on the web-based form.

If you prefer to file your comment on

paper, write ‘‘American International

Mailing, Inc.—Consent Agreement; File

No. 152 3051’’ on your comment and on

the envelope, and mail your comment to

the following address: Federal Trade

Commission, Office of the Secretary,

600 Pennsylvania Avenue NW., Suite

CC–5610 (Annex D), Washington, DC

20580, or deliver your comment to the

following address: Federal Trade

Commission, Office of the Secretary,

Constitution Center, 400 7th Street SW.,

5th Floor, Suite 5610 (Annex D),

Washington, DC 20024.

FOR FURTHER INFORMATION CONTACT

Monique Einhorn, Bureau of Consumer

Protection, (202) 326–2575, 600

Pennsylvania Avenue NW., Washington,

DC 20580.

SUPPLEMENTARY INFORMATION

: Pursuant

to section 6(f) of the Federal Trade

Commission Act, 15 U.S.C. 46(f), and

FTC Rule 2.34, 16 CFR 2.34, notice is

hereby given that the above-captioned

consent agreement containing consent

order to cease and desist, having been

filed with and accepted, subject to final

approval, by the Commission, has been

placed on the public record for a period

of thirty (30) days. The following

Analysis to Aid Public Comment

describes the terms of the consent

agreement, and the allegations in the

complaint. An electronic copy of the

full text of the consent agreement

package can be obtained from the FTC

Home Page (for April 7, 2015), on the

World Wide Web at: http://www.ftc.gov/

os/actions.shtm.

You can file a comment online or on

paper. For the Commission to consider

your comment, we must receive it on or

before May 7, 2015. Write ‘‘American

International Mailing, Inc.—Consent

Agreement; File No. 152 3051’’ on your

comment. Your comment—including

your name and your state—will be

placed on the public record of this

proceeding, including, to the extent

practicable, on the public Commission

Web site, at http://www.ftc.gov/os/

publiccomments.shtm. As a matter of

discretion, the Commission tries to

remove individuals’ home contact

information from comments before

placing them on the Commission Web

site.

Because your comment will be made

public, you are solely responsible for

making sure that your comment does

not include any sensitive personal

information, like anyone’s Social

Security number, date of birth, driver’s

license number or other state

identification number or foreign country

equivalent, passport number, financial

account number, or credit or debit card

number. You are also solely responsible

for making sure that your comment does

not include any sensitive health

information, like medical records or

other individually identifiable health

information. In addition, do not include

any ‘‘[t]rade secret or any commercial or

financial information which . . . is

privileged or confidential,’’ as discussed

in section 6(f) of the FTC Act, 15 U.S.C.

46(f), and FTC Rule 4.10(a)(2), 16 CFR

4.10(a)(2). In particular, do not include

competitively sensitive information

such as costs, sales statistics,

inventories, formulas, patterns, devices,

manufacturing processes, or customer

names.

If you want the Commission to give

your comment confidential treatment,

you must file it in paper form, with a

request for confidential treatment, and

you have to follow the procedure

explained in FTC Rule 4.9(c), 16 CFR

4.9(c).

Your comment will be kept

confidential only if the FTC General

Counsel, in his or her sole discretion,

grants your request in accordance with

the law and the public interest.

Postal mail addressed to the

Commission is subject to delay due to

heightened security screening. As a

result, we encourage you to submit your

comments online. To make sure that the

Commission considers your online

comment, you must file it at https://

ftcpublic.commentworks.com/ftc/

americaninternconsent by following the

instructions on the web-based form. If

this Notice appears at http://

www.regulations.gov/#!home, you also

may file a comment through that Web

site.

If you file your comment on paper,

write ‘‘American International Mailing,

Inc.—Consent Agreement; File No. 152

3051’’ on your comment and on the

envelope, and mail your comment to the

following address: Federal Trade

Commission, Office of the Secretary,

600 Pennsylvania Avenue NW., Suite

CC–5610 (Annex D), Washington, DC

20580, or deliver your comment to the

following address: Federal Trade

Commission, Office of the Secretary,

Constitution Center, 400 7th Street SW.,

5th Floor, Suite 5610 (Annex D),

Washington, DC 20024. If possible,

submit your paper comment to the

Commission by courier or overnight

service.

Visit the Commission Web site at

http://www.ftc.gov to read this Notice

and the news release describing it. The

FTC Act and other laws that the

Commission administers permit the

collection of public comments to

consider and use in this proceeding as

appropriate. The Commission will

consider all timely and responsive

public comments that it receives on or

before May 7, 2015. You can find more

information, including routine uses

permitted by the Privacy Act, in the

Commission’s privacy policy, at http://

www.ftc.gov/ftc/privacy.htm.

Analysis of Proposed Consent Order To

Aid Public Comment

The Federal Trade Commission

(‘‘FTC’’ or ‘‘Commission’’) has accepted,

subject to final approval, a consent

agreement applicable to American

International Mailing, Inc. (‘‘American

International Mailing’’ or ‘‘AIM’’).

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