Federal Register/Vol. 79, No. 93/Wednesday, May 14, 2014/Notices

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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).

D. Federal Reserve Bank of San

Francisco (Gerald C. Tsai, Director,

Applications and Enforcement) 101

Market Street, San Francisco, California

94105–1579:

1. PB Financial Holdings, Inc., to

become a bank holding company by

acquiring 100 percent of Pinnacle Bank,

both of Scottsdale, Arizona.

Board of Governors of the Federal Reserve

System, May 9, 2014.

Michael J. Lewandowski,

Assistant Secretary of the Board.

[FR Doc. 2014–11066 Filed 5–13–14; 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 May 29,

2014.

A. Federal Reserve Bank of

Minneapolis (Jacqueline K. Brunmeier,

Assistant Vice President) 90 Hennepin

Avenue, Minneapolis, Minnesota

55480–0291:

1. Ericka Lynn Kotab and David

William Kotab, both of Wagner, South

Dakota, to acquire shares of Commercial

Holding Company, Wagner, South

Dakota, and join the Frei Family

Shareholder group which owns 25

shares of Commercial Holding

Company, Wagner, South Dakota, and

thereby indirectly controls Commercial

State Bank of Wagner, Wagner, South

Dakota.

Board of Governors of the Federal Reserve

System, May 9, 2014.

Michael J. Lewandowski,

Assistant Secretary of the Board.

[FR Doc. 2014–11065 Filed 5–13–14; 8:45 am]

BILLING CODE 6210–01–P

FEDERAL TRADE COMMISSION

[File No. 132 3078]

Snapchat, 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 of Proposed Consent Order 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 June 9, 2014.

ADDRESSES

: Interested parties may file a

comment at https://

ftcpublic.commentworks.com/ftc/

snapchatconsent online or on paper, by

following the instructions in the

Request for Comment part of the

SUPPLEMENTARY INFORMATION

section

below. Write ‘‘Snapchat, Inc.—Consent

Agreement; File No. 132 3078’’ on your

comment and file your comment online

at https://ftcpublic.commentworks.com/

ftc/snapchatconsent by following the

instructions on the web-based form. If

you prefer to file your comment on

paper, 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

Allison M. Lefrak, Bureau of Consumer

Protection, (202–326–2804), 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 May 8, 2014), 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 June 9, 2014. Write ‘‘Snapchat,

Inc.—Consent Agreement; File No. 132

3078’’ 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

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Commission considers your online

comment, you must file it at https://

ftcpublic.commentworks.com/ftc/

snapchatconsent 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 ‘‘Snapchat, Inc.—Consent

Agreement; File No. 132 3078’’ 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 June 9, 2014. 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 has

accepted, subject to final approval, a

consent order applicable to Snapchat,

Inc. (‘‘Snapchat’’).

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.

Snapchat provides a mobile

application that allows consumers to

send and receive photo and video

messages known as ‘‘snaps.’’ Both the

iTunes App Store and the Google Play

store list Snapchat among the top 15

free applications. As of September 2013,

users transmitted more than 350 million

snaps daily. Before sending a snap, the

application requires the sender to

designate a period of time that the

recipient will be allowed to view the

snap, up to ten seconds. Snapchat

markets the application as an

‘‘ephemeral’’ messaging application,

and claimed that once the timer expires,

the snap ‘‘disappears forever.’’ Snapchat

represented, for a certain period, on its

product description page on the iTunes

App Store and Google Play and on the

‘‘FAQ’’ page on its Web site that snaps

disappear when the timer expires.

Snapchat further claimed that if a

recipient took a screenshot of a snap,

the sender would be notified. Snapchat

also provides its users with a feature to

find friends on the service, and prompts

users during registration to enter their

mobile telephone number in order to

find friends.

Count 1 of the Commission’s

complaint alleges that Snapchat

misrepresented that when sending a

message though its application, the

message would disappear forever after

the user-set time period expires. Count

2 of the complaint alleges that Snapchat

misrepresented that the sender will be

notified if the recipient takes a

screenshot of a snap. The complaint

alleges that several methods exist by

which a recipient can use tools outside

of the application to save snaps,

allowing the recipient to view them

indefinitely. Additionally, the

complaint alleges that widely

publicized methods existed by which

recipients could easily circumvent

Snapchat’s screenshot detection

mechanism and capture a screenshot of

a snap without the sender being

notified.

Count 3 of the complaint alleges that

Snapchat misrepresented in its privacy

policy that it does not access location-

specific information from consumers’

mobile devices. Contrary to this

representation, the complaint alleges

that for a certain period, the Snapchat

application on Android transmitted Wi-

Fi based and cell-based location

information from user’s mobile devices

to an analytics tracking provider.

Count 4 of the complaint alleges that

Snapchat misrepresented, for a certain

period, in its user interface that a user’s

mobile phone number was the only

personal information that Snapchat

collected in order to find the user’s

friends. Count 5 of the complaint alleges

that Snapchat misrepresented in its

user’s email, phone number, and

Facebook ID for the purpose of finding

friends. However, the complaint alleges

that when the user chose to find friends,

Snapchat collected not only the user’s

phone number, but also, without

informing the user, the names and

phones numbers of all the contacts in

the user’s mobile device address book.

Finally, Count 6 of the complaint

alleges that Snapchat misrepresented

that it employed reasonable security

measures in the design of its find

friends feature. Specifically, the

complaint alleges that for a certain

period of time, Snapchat failed to verify

that the phone number that an iOS user

entered into the application did, in fact,

belong to the mobile device being used

by that individual. Due to this failure,

an individual could create an account

using a phone number that belonged to

another consumer, enabling the

individual to send and receive snaps

associated with another consumer’s

phone number. Additionally, for a

certain period, Snapchat allegedly failed

to implement effective restrictions on

the number of find friends requests that

any one account could make. Further,

Snapchat allegedly failed to implement

any restrictions on serial and automated

account creation. As a result of these

security failures, in December 2013,

attackers were able to use multiple

accounts to send millions of find friends

requests and compile a database of 4.6

million Snapchat usernames and the

associated phone numbers.

The proposed order contains

provisions designed to prevent

Snapchat from engaging in the future in

practices similar to those alleged in the

complaint. Part I of the proposed order

prohibits Snapchat from

misrepresenting the extent to which

Snapchat or its products or services

protect the privacy, security, or

confidentiality of covered information,

including: (1) The extent to which a

message is deleted after being viewed by

the recipient; (2) the extent to which

Snapchat or its products or services are

capable of detecting or notifying the

sender when a recipient has captured a

screenshot of, or otherwise saved, a

message; (3) the categories of covered

information collected; or (4) the steps

taken to protect against misuse or

unauthorized disclosure of covered

information.

Part II of the proposed order requires

Snapchat to establish and maintain a

comprehensive privacy program that is

reasonably designed to: (1) Address

privacy risks related to the development

and management of new and existing

products and services for consumers,

and (2) protect the privacy and

confidentiality of covered information,

whether collected by Snapchat or input

into, stored on, captured with, or

accessed through a computer using

Snapchat’s products or services. The

privacy program must contain privacy

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controls and procedures appropriate to

Snapchat’s size and complexity, the

nature and scope of Snapchat’s

activities, and the sensitivity of the

covered information. Specifically, the

proposed order requires Snapchat to:

• Designate an employee or

employees to coordinate and be

accountable for the privacy program;

• identify material internal and

external risks that could result in

Snapchat’s unauthorized collection, use,

or disclosure of covered information,

and asses the sufficiency of any

safeguards in place to control these

risks;

• design and implement reasonable

privacy controls and procedures to

address the risks identified through the

privacy risk assessment, and regularly

test or monitor the effectiveness of the

privacy controls, and procedures;

• develop and use reasonable steps to

select and retain service providers

capable of maintaining security

practices consistent with the order, and

require service providers by contract to

implement and maintain appropriate

safeguards; and

• evaluate and adjust its privacy

program in light of the results of testing

and monitoring, any material changes to

operations or business arrangement, or

any other circumstances that Snapchat

knows or has reason to know may have

a material impact on its privacy

program.

Part III of the proposed order requires

Snapchat to obtain within the first one

hundred eighty (180) days after service

of the order, and on a biennial basis

thereafter for a period of twenty (20)

years, an assessment and report from a

qualified, objective, independent third-

party professional, certifying, among

other things, that: (1) It has in place a

privacy program that provides

protections that meet or exceed the

protections required by Part II of the

proposed order; and (2) its privacy

program is operating with sufficient

effectiveness to provide reasonable

assurance to protect the privacy of

covered information.

Parts IV through VIII of the proposed

order are reporting and compliance

provisions. Part IV requires Snapchat to

retain documents relating to its

compliance with the order. The order

requires that all of the documents be

retained for a five-year period. Part V

requires dissemination of the order now

and in the future to all current and

future principals, officers, directors, and

managers, and to persons with

responsibilities relating to the subject

matter of the order. Part VI ensures

notification to the FTC of changes in

corporate status. Part VII mandates that

Snapchat submit a compliance report to

the FTC within 60 days, and

periodically thereafter as requested. Part

VIII 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

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. 2014–11111 Filed 5–13–14; 8:45 am]

BILLING CODE 6750–01–P

GENERAL SERVICES

ADMINISTRATION

[Notice-CECANF–2014–02; Docket No.

2014–0005; Sequence No. 2]

Commission To Eliminate Child Abuse

and Neglect Fatalities; Announcement

of Meeting

AGENCY

: Commission to Eliminate Child

Abuse and Neglect Fatalities, General

Services Administration.

ACTION

: Meeting notice.

SUMMARY

: The Commission to Eliminate

Child Abuse and Neglect Fatalities

(CECANF), a Federal Advisory

Committee established by the Protect

Our Kids Act of 2012, Public Law 112–

275, will hold a meeting open to the

public on Monday, June 2, 2014 and

Tuesday, June 3, 2014.

DATES

: The meeting will be held on

Monday, June 2, 2014, from 8:30 a.m. to

5:30 p.m. Central Time, and Tuesday,

June 3, 2014, from 8:30 a.m. to 1:00 p.m.

Central Time.

ADDRESSES

: CECANF will convene its

meeting at University of Texas at San

Antonio, Downtown Campus, 501 W.

sar E. Cha

vez Blvd., San Antonio, TX

78207, Southwest Room, Durango

Building 1.124. This site is accessible to

individuals with disabilities. The

meeting will also be made available via

audio link. Access information for

people that are hearing impaired will be

provided upon request. Please make

note of it in your participation

registration. To register for the audio

link, please go to https://

www.surveymonkey.com/s/5WLJYWH

and follow the prompts.

Submit comments identified by

‘‘Notice-CECANF–2014–02’’, by any of

the following methods:

• Regulations.gov: http://

www.regulations.gov. Submit comments

via the Federal eRulemaking portal by

searching for ‘‘Notice-CECANF–2014–

02’’. Select the link ‘‘Comment Now’’

that corresponds with ‘‘Notice-

CECANF–2014–02’’. Follow the

instructions provided at screen. Please

include your name, company name (if

any), and ‘‘Notice-CECANF–2014–02’’

on your attached document.

• Mail: Commission to Eliminate

Child Abuse and Neglect Fatalities, c/o

General Services Administration,

Agency Liaison Division, 1800 F St

NW., Room 7003D, Washington DC

20006.

Instructions: Please submit comments

only and cite ‘‘Notice-CECANF–2014–

02’’, in all correspondence related to

this notice. All comments received will

be posted without change to http://

www.regulations.gov, including any

personal and/or business confidential

information provided.

FOR FURTHER INFORMATION CONTACT

Contact Ms. Patricia Brincefield,

Designated Federal Officer, at 202–818–

9596, 1800 F St NW., Room 7003D,

Washington, DC 20006.

SUPPLEMENTARY INFORMATION

Background: The CECANF was

established to develop a national

strategy and recommendations for

reducing fatalities resulting from child

abuse and neglect.

Agenda: The purpose of this meeting

is for Commission members to gather

detailed information and insight related

to Federal policy, research, and practice

associated with child abuse and neglect

fatalities, with a practice focus on

Texas.

Attendance at the Meeting:

Individuals interested in attending the

meeting in person must register in

advance because of limited space.

Please contact Ms. White at

[email protected] to register to

attend this meeting. To attend this

meeting, please submit your full name,

organization, email address, and phone

number to Ms. White by 5:00 p.m.,

Eastern Standard Time, on Friday, May

23, 2014. Detailed meeting minutes will

be posted within 90 days of the meeting.

The meeting will be also available via

teleconference, interested members of

the public may listen to the CECANF

discussion using 1–866–928–2008, and

enter pass code 569839. Members of the

public will not have the opportunity to

ask questions or otherwise participate in

the teleconference.

However, members of the public

wishing to comment should follow the

steps detailed under the heading

addresses in this publication.

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