Privacy Act of 1974; Home Equity Reverse Mortgage Information Technology (HERMIT)-Notice of Modification to, and Deletion of HUD/HS-10, Home Equity Conversion Mortgage System, 61620-61623 [2012-24927]
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Federal Register / Vol. 77, No. 196 / Wednesday, October 10, 2012 / Notices
TABLE 2—ESTIMATES OF APPLICATION AND REPORTING BURDEN FOR YEAR 2
Application element
Burden/
response
(hours)
Responses/
respondents
Number respondents
Total burden
Application Burden
Yr Two Plan ....................................................
24 ...................................................................
1
40
960
Application Sub-total .......................................
24 ...................................................................
........................
........................
960
Reporting Burden
MHBG Report .................................................
URS Tables .....................................................
SABG Report ..................................................
Table 5 ............................................................
59
59
60
15
...................................................................
...................................................................
...................................................................
...................................................................
1
1
1
1
186
35
186
4
10,974
2,065
11,160
60
Reporting Subtotal ..........................................
60 ...................................................................
........................
........................
24,259
Total .........................................................
119 .................................................................
........................
........................
25,219
The total annualized burden for the
application and reporting is 37,429
hours (49,639 + 25,219 = 74,858/2 years
= 37,429).
Link for the application:
www.samhsa.gov/grants/blockgrant.
Written comments and
recommendations concerning the
proposed information collection should
be sent by November 9, 2012 to the
SAMHSA Desk Officer at the Office of
Information and Regulatory Affairs,
Office of Management and Budget
(OMB). To ensure timely receipt of
comments, and to avoid potential delays
in OMB’s receipt and processing of mail
sent through the U.S. Postal Service,
commenters are encouraged to submit
their comments to OMB via email to:
OIRA_Submission@omb.eop.gov.
Although commenters are encouraged to
send their comments via email,
commenters may also fax their
comments to: 202–395–7285.
Commenters may also mail them to:
Office of Management and Budget,
Office of Information and Regulatory
Affairs, New Executive Office Building,
Room 10102, Washington, DC 20503.
Summer King,
Statistician.
[FR Doc. 2012–24862 Filed 10–9–12; 8:45 am]
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BILLING CODE 4162–20–P
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DEPARTMENT OF HOMELAND
SECURITY
Federal Emergency Management
Agency
[Internal Agency Docket No. FEMA–4078–
DR; Docket ID FEMA–2012–0002]
Oklahoma; Amendment No. 2 to Notice
of a Major Disaster Declaration
Federal Emergency
Management Agency, DHS.
ACTION: Notice.
AGENCY:
W. Craig Fugate,
Administrator, Federal Emergency
Management Agency.
[FR Doc. 2012–24718 Filed 10–9–12; 8:45 am]
BILLING CODE 9111–23–P
This notice amends the notice
of a major disaster declaration for the
State of Oklahoma (FEMA–4078–DR),
dated August 22, 2012, and related
determinations.
DATES: Effective Date: September 27,
2012.
FOR FURTHER INFORMATION CONTACT:
Peggy Miller, Office of Response and
Recovery, Federal Emergency
Management Agency, 500 C Street SW.,
Washington, DC 20472, (202) 646–3886.
SUPPLEMENTARY INFORMATION: The notice
of a major disaster declaration for the
State of Oklahoma is hereby amended to
include the following area among those
areas determined to have been adversely
affected by the event declared a major
disaster by the President in his
declaration of August 22, 2012.
SUMMARY:
Cleveland County for Individual
Assistance.
(The following Catalog of Federal Domestic
Assistance Numbers (CFDA) are to be used
for reporting and drawing funds: 97.030,
Community Disaster Loans; 97.031, Cora
Brown Fund; 97.032, Crisis Counseling;
97.033, Disaster Legal Services; 97.034,
Disaster Unemployment Assistance (DUA);
97.046, Fire Management Assistance Grant;
97.048, Disaster Housing Assistance to
Individuals and Households in Presidentially
Jkt 229001
Declared Disaster Areas; 97.049,
Presidentially Declared Disaster Assistance—
Disaster Housing Operations for Individuals
and Households; 97.050, Presidentially
Declared Disaster Assistance to Individuals
and Households—Other Needs; 97.036,
Disaster Grants—Public Assistance
(Presidentially Declared Disasters); 97.039,
Hazard Mitigation Grant.)
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DEPARTMENT OF HOUSING AND
URBAN DEVELOPMENT
[Docket No. FR–5613–N–10]
Privacy Act of 1974; Home Equity
Reverse Mortgage Information
Technology (HERMIT)—Notice of
Modification to, and Deletion of HUD/
HS–10, Home Equity Conversion
Mortgage System
Office of the Chief Information
Officer HUD.
ACTION: Notification of modification to,
and deletion of existing system of
records notification.
AGENCY:
Pursuant to the provision of
the Privacy Act of 1974, as amended (5
U.S.C. 552a), the Department of Housing
and Urban Development (HUD) is
providing notice of its intent to modify
and delete one of its system of records
notifications, the HUD/HS–10, Home
Equity Conversion Mortgage (HECM)
system. HUD/HS–10, HECM is being
modified and replaced by the new
HECM program system, Home Equity
Reverse Mortgage Information
Technology (HERMIT). The
modifications for the existing system of
SUMMARY:
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Federal Register / Vol. 77, No. 196 / Wednesday, October 10, 2012 / Notices
records notification will reflect
clarification of system activities which
result in minor changes to the existing
system of records notification:
Categories of Individuals covered by the
system (including categories of users
and purposes of such users); Categories
of Records covered by the system (and
in the system); Purposes of the system;
New system record locations, New
naming convention for system, Routine
uses category assigned (and purpose of
such uses). All revisions are conducted
to reflect the present status of the
information contained in the system.
The HERMIT system will allow Housing
to consolidate many of the HECM
program activities and improve the
effectiveness of the program. The
present state of the system is clarified in
the supplementary and purpose
information section. The scope and/or
business objectives of the Home Equity
Conversion Mortgage Program remain
unchanged. The HUD/HS–10, HECM
system of records notification will be
obsolete upon publication of this notice.
DATES: Effective Date: This proposal
shall become effective, without further
notice, November 9, 2012, unless
comments are received during or before
this period which would result in a
contrary determination.
Comments Due Date: November 9,
2012.
ADDRESSES: Interested persons are
invited to submit comments regarding
this notice to the Rules Docket Clerk,
Office of General Counsel, Department
of Housing and Urban Development,
451 Seventh Street SW., Room 10276,
Washington, DC 20410–3000.
Communications should refer to the
above docket number and title. FAX
comments are not acceptable. A copy of
each communication submitted will be
available for public inspection and
copying between 8:00 a.m. and 5:00
p.m. weekdays at the above address.
FOR FURTHER INFORMATION CONTACT:
Inquiries pertaining to Privacy Act
records, contact Donna RobinsonStaton, Chief Privacy Officer, telephone
number (202) 402–8073, 451 Seventh
Street SW., Washington, DC 20410
(Attention: Capitol View Building, 4th
Floor) [The above telephone numbers
are not toll free numbers.] A
telecommunications device for hearingand speech-impaired persons (TTY) is
available by calling the Federal
Information Relay Service’s toll-free
telephone number (800) 877–8339.
SUPPLEMENTARY INFORMATION: Pursuant
to the Privacy Act of 1974 (5 U.S.C.
552a), Pursuant to the Privacy Act of
1974 (5 U.S.C. 552a), as amended,
notice is given that HUD proposes to
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modify an existing system of records,
the HUD/HS–10, Home Equity
Conversion Mortgage system. This
notice provide a summary of the
modified system of records. The system
will be identified by a new naming
convention ‘‘HSG/HWAT.01’’ that has
been established by the Department to
refer to a program component system.
The system of records is revising its
routine use category to balance the
privacy interests of those entities
requiring access to system records to
allow HUD’s Federal Housing
Administration (FHA) to carry out its
HECM program activities. The system
also refines its sections for category of
individual, and category of records to
provide clarification of the types of
records collected and maintained by the
system. Additionally, the system
contains personally identifiable
information received from mortgagees
and housing counseling agencies
approved to administer FHA HECM
program requirements. The information
in the system includes (but is not
limited to) individual level data
regarding borrowers who participate in
the HECM program: Name, title,
property addresses, birthdates, Social
Security Numbers, phone numbers and
(dates of death, when applicable). In
addition the information in the system
includes (but is not limited to) business
level data regarding the mortgagee that
administers FHA HECM loans: banking
information, Tax Identification Number,
routing and accounts numbers,
mortgagee reference number, and
accounting data. The HERMIT system is
expected to improve the overall
effectiveness of the program operations
by providing comprehensive insurance
servicing, claims payments, notice
servicing, accounting and reporting
functionalities. The report of the system
of records modification/deletion was
submitted to the Office of Management
and Budget (OMB), the Senate
Committee on Homeland Security and
Governmental Affairs, and the House
Committee on Government Reform
pursuant to Paragraph 4c of Appendix l
to OMB Circular No. A–130, ‘‘Federal
Agencies Responsibilities for
Maintaining Records About
Individuals,’’ July 25, 1994 (59 FR
37914).
Authority: 5 U.S.C. 552a; 88 Stat. 1896; 42
U.S.C. 3535(d).
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Dated: September 13, 2012.
Kevin Cooke,
Deputy Chief Information Officer.
HSG/HWAT.01
SYSTEM NAME:
Home Equity Reverse Mortgage
Information Technology (HERMIT)
Service Provider formerly HUD/HS–10,
Home Equity Conversion System
SYSTEM LOCATION:
External hosting location at the
following address: 21701 Filigree Ct.,
Building D, Ashburn, VA 20147;
Housing and Urban Development (HUD)
workstations at 451 Seventh Street SW.,
Washington, DC 20410; HUD National
Servicing Center 2 West 2nd Street,
Suite 400, Tulsa, OK 74103; HUD
Atlanta Homeownership Center, Five
Points Plaza 40 Marietta Street, Atlanta,
GA 30303–2806; HUD Philadelphia
Homeownership Center, The
Wanamaker Building, 100 Penn Square
East, Philadelphia, PA 19107–3389;
HUD Denver Homeownership Center
Processing & Underwriting—20th FL
1670 Broadway Denver, CO 80202;
Santa Ana Homeownership Center,
Santa Ana Federal Building, 34 Civic
Center Plaza, Room 7015, Santa Ana,
CA 92701–4003.
CATEGORIES OF INDIVIDUALS COVERED BY THE
SYSTEM:
HECM mortgagees and HECM
mortgagors for Home Equity Conversion
Mortgages insured under HUD’s HECM
mortgage insurance program, and FHAApproved Housing Counselors who
participate in the HECM program.
CATEGORIES OF RECORDS IN THE SYSTEM:
The categories of records in the
HERMIT system are as follows:
(1) Insurance-in-Force (IIF)/
Premiums: HECM insurance-in-force
and premium records which include PII
data pertaining borrowers’ full names,
property addresses, birthdates, Social
Security Numbers, phone numbers and
dates of death; case-level details on the
HECM housing counseling certificate,
Maximum Claim Amount (MCA),
property appraised values, initial and
monthly mortgage insurance premiums
(IMIP & MMIP), set asides, note interest
rates and expected interest rates and
case statuses and sub-case statuses;
payment plan types, and other financial
account data such as Principal Limits,
monthly interest accruals, late charge
and interest charge fees, historical
transaction records for HECM cases,
property taxes and hazard insurance
amounts, business partners’ banking
information (routing and account
numbers); and accounting data
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Federal Register / Vol. 77, No. 196 / Wednesday, October 10, 2012 / Notices
including accounts receivable and
payable due to and from HUD.
(2) HECM Claims: Borrowers’ names,
addresses, social security numbers;
maximum claim amount, due and
payable approvals; death notifications,
deed-in-lieu; foreclosure actions,
extension approvals, interest rates and
account statuses; payment and other
financial account data such as unpaid
loan balances, interest accrued, service
fees, expenses incurred for foreclosure
and acquisition, protection and
preservation, attorney fees, special
assessments; disbursements for taxes,
insurance, utilities, eviction fees, and
any other miscellaneous disbursements;
MIP, appraisals, closing costs; claims
filed and paid; indemnifications and
claim blocks; business partner banking
information (Tax Identification Number,
routing and account numbers),
mortgagee reference number; accounting
data including established accounts
receivables and payables; and
information for reporting and
assumption of servicing activities in
cases of investor claim or default.
(3) HECM Loan Servicing: Borrowers’
and authorized contacts’ names and
addresses, birthdates, age, Social
Security Numbers, phone numbers;
email addresses; marital status, gender,
preferred language, banking information
(institutional information, routing,
account numbers and account type)
maximum loan amounts, premium
collection, interest rates and account
statuses; payment and other financial
account data such as loan balance, loan
history, interest accrued, fees incurred,
claims filed and paid, real estate
property information, property taxes
and insurance amounts, accounting data
including debits and credits to HUD
accounts based on transaction events,
vendor information; and information for
reporting and assuming servicing
activities in case of servicer or investor
claim or default.
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AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
Section 255 of the National Housing
Act of 1934 authorizes the FHA reverse
mortgage program for the elderly, the
Home Equity Conversion Mortgage
(HECM) program (12 U.S.C.1715Z–20).
The Housing and Community
Development Act of 1987 (42 U.S.C.
3543—Sec. 3543) specifically provides
authority to collect Social Security
Numbers.
PURPOSES:
HERMIT provides FHA with a
comprehensive service that integrates
and automates five operations of the
HECM program (insurance servicing;
claims payment; notes servicing,
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accounting, and reporting). The HECM
program promotes continued
homeownership for the elderly by
allowing elderly borrowers to access the
equity in their homes while continuing
to live in the property. HERMIT allows
the Secretary to maintain the ‘‘public
trust’’ over the HECM program by
seamlessly, accurately and timely
managing the HECM program in an
automated environment. HERMIT
allows HECM program personnel to
collect and maintain the data necessary
to support activities related to the
endorsement of loans, including
collection of initial and monthly
premiums. The claims process includes
the filing of claims for insurance
benefits and disbursement of funds to
lenders of loans insured under the
HECM program. Servicing activities
include maintaining the data necessary
to support performance requirements of
servicing for FHA insured and
Secretary-held first and second
mortgages. The major activities include
acceptance of assignment and title
review, servicing requests for HECM
endorsed cases from Mortgagees (due
and payable, short sale, over-allowables
for preservation and protection costs,
subordination extension requests and
partial releases), accounting functions,
collections according to the Fair Debt
Collection Practices Act, disbursement
of payment, annual recertification,
foreclosure activities, bankruptcy
activities, and compliance monitoring.
The new HERMIT replacement system
will permit HECM mortgagees to: (1)
Interact with one, integrated HUD
HECM system; (2) Interact with HUD’s
National Servicing Center (NSC)
through a new, automated workflow
process; and, (3) Replace manual claims
filing processes with an online,
automated claims filing procedure.
ROUTINE USES OF RECORDS MAINTAINED IN THE
SYSTEM, INCLUDING CATEGORIES OF USERS AND
THE PURPOSES OF SUCH USES:
In addition to those disclosures
generally permitted under subsection (b)
of the Privacy Act of 1974, 5 U.S.C.
522a(b), other routine uses are as
follows:
(1) To servicing mortgagee to give
notice of miscalculations or other errors
in subsidy computation, to pay claims,
or for other servicing-related functions.
(2) To taxing authorities, insurance
companies, homeowners associations or
condominium associations for
maintaining the property while HUD is
the servicer of record to ensure property
taxes are current.
(3) To the U.S. Department of the
Treasury for collection and
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disbursement transactions (Pay.gov,
ACH and check).
(4) To title insurance companies or
financial institutions to allow HUD to
respond to inquiries for payoff figures
on HECM assigned loans.
(5) To recorders’ offices for recording
legal documents and responses to
bankruptcy courts or other legal
responses required during the servicing
of the insured loan to allow HUD to
release mortgage liens, respond to
bankruptcies or deaths of mortgagors to
protect the interest of the Secretary of
HUD.
(6) To the Federal Bureau of
Investigation (FBI) to investigate
possible fraud revealed in the course of
servicing efforts to allow HUD to protect
the interest of the Secretary.
(7) To an Administrative Law Judge
and to the interested parties to the
extent necessary for conducting
administrative proceedings where HUD
is a party.
(8) To welfare agencies for fraud
investigation to allow HUD to respond
to state government inquiries when a
HECM mortgagor is committed to a
nursing home.
See also on HUD’s privacy Web site,
Appendix 1 for discretionary routine
uses that may be applicable to this
system of records.
POLICIES AND PRACTICES FOR STORING,
RETRIEVING, ACCESSING, RETAINING, AND
DISPOSING OF RECORDS IN THE SYSTEM:
STORAGE:
Electronic files are stored in case files
on servers and backup files are stored
on tapes. Electronic files are replicated
at a disaster recovery offsite location in
case of loss of computing capability or
other emergency at the primary facility.
HERMIT has no hard ‘‘Paper’’ copies.
SAFEGUARDS:
Access to electronic records are
granted by user ID and password to
users who have a need to know such
records. In addition to the safeguards
provided by access controls all
electronic data is encrypted while
stored on any systems media within
HERMIT or in any transport mode.
Servers are contained in a secured
facility with 24x7 security guards
including electronic access and
surveillance capabilities (CCTV and
recorders, motion detectors, hand
geometry readers, fiber vault) at an
offsite location. HERMIT has no hard
‘‘Paper’’ copies.
RETRIEVABILITY:
Name, SSN, identification number,
home telephone number, personal email
address, FHA Case Number and
Mortgagee TIN.
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Federal Register / Vol. 77, No. 196 / Wednesday, October 10, 2012 / Notices
RETENTION AND DISPOSAL:
EXEMPTION CLAIMED FOR THE SYSTEM:
Records are held in accordance with
HUD’s Records Disposition Schedules
Handbook (2225.6) Appendix 20(Single
Family Home Mortgage Insurance
Program Records) and Appendix
21(Financial Management Information
Systems. Paper records are not in use.
Electronic records are held consistent
with standards for paper records.
Archival tape media is kept for 7 years
and the tapes are in rotation. Tapes that
are faulty and need to be disposed of
follow HUD’s IT Security Handbook
(2400.25), pursuant to NIST SP 800–88
guidelines section 2.1.
SYSTEM MANAGERS AND ADDRESS:
Director, Office of Housing Finance
and Budget; Department of Housing and
Urban Development, 451 Seventh Street
SW., Washington, DC 20410.
NOTIFICATION AND ACCESS PROCEDURES:
Individuals seeking to determine
whether this system of records contains
information about them, or those
seeking access to such records, should
address inquiries to Chief Privacy
Officer, Department of Housing and
Urban Development, 451 Seventh Street
SW., Room 4156, Washington, DC
20410. (Attention: Capitol View
Building, 4th Floor) Requestors must
provide identity verification by
providing two proofs of official
identification. Your verification of
identity must include your original
signature and must be notarized.
CONTESTING RECORD PROCEDURES:
The Department’s rules for contesting
the contents of records and appealing
initial denials, by the individual
concerned, appear in 24 CFR § 16. If
additional information or assistance is
needed, it may be obtained by
contacting:
(i) In relation to contesting contents of
records, the Privacy Act Officer at the
appropriate location;
(ii) In relation to appeals of initial
denials, the HUD Departmental Privacy
Appeals Officer, Office of General
Counsel, Department of Housing and
Urban Development, 451 Seventh Street
SW., Washington, DC 20410.
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RECORD SOURCE CATEGORIES:
Mortgagors, mortgagees, taxing
authorities, insurance companies and
Housing counselors. The mortgagors
and mortgagees collect the personal
information from program participants
and enters the information into the HUD
the Single Family Computerized Home
Underwriting Management System
(CHUMs). The HERMIT system
interfaces CHUMS for its information.
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None.
[FR Doc. 2012–24927 Filed 10–9–12; 8:45 am]
BILLING CODE 4210–67–P
DEPARTMENT OF THE INTERIOR
Office of the Secretary
Proposed Renewal of Information
Collection: 1090–0007, American
Customer Satisfaction Index (ACSI)
Government Customer Satisfaction
Surveys
Office of the Secretary,
National Business Center, Federal
Consulting Group.
ACTION: Notice and request for
comments.
AGENCY:
In compliance with section
3506(c)(2)(A) of the Paperwork
Reduction Act of 1995, the National
Business Center, Department of the
Interior announces that it has submitted
a request for proposed extension of an
information collection for the American
Customer Satisfaction Index (ACSI)
Government Customer Satisfaction
Surveys to the Office of Management
and Budget (OMB), and requests public
comments on this submission. The
information collection request describes
the nature of the information collection
and the expected burden and cost.
DATES: OMB has up to 60 days to
approve or disapprove the information
collection request, but may respond
after 30 days; therefore, public
comments should be submitted to OMB
by November 9, 2012, in order to be
assured of consideration.
ADDRESSES: Send your written
comments by facsimile to (202) 395–
5806 or email
(OIRA_DOCKET@omb.eop.gov) to the
Office of Information and Regulatory
Affairs, Office of Management and
Budget, Attention: Desk Office for the
Department of the Interior (OMB1090–
0007) Desk Officer. Also, please send a
copy of your comments to Federal
Consulting Group, Attention: Richard
Tate, 1849 C St. NW., MS 314,
Washington, DC 20240–0001, or by
facsimile to (202) 513–7686, or via email
to Richard_Tate@nbc.gov. Individuals
providing comments should reference
Customer Satisfaction Surveys (OMB
1090–0007).
FOR FURTHER INFORMATION CONTACT: To
request additional information or copies
of the form(s) and instructions, please
write to the Federal Consulting Group,
Attention: Richard Tate, 1849 C St. NW.,
MS 314, Washington, DC 20240–0001,
or call (202) 513–7655, or email to
SUMMARY:
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61623
Richard_Tate@nbc.gov. To see a copy of
the entire ICR submitted to OMB, go to:
https://www.reginfo.gov and select
Information Collection Review,
Currently Under Review.
SUPPLEMENTARY INFORMATION:
I. Abstract
The Office of Management and Budget
(OMB) regulations at 5 CFR 1320, which
implement provisions of the Paperwork
Reduction Act of 1995 (Pub. L. 104–13),
require that interested members of the
public and affected agencies have an
opportunity to comment on information
collection and recordkeeping activities
[see 5 CFR 1320.8(d)]. The Office of the
Secretary, National Business Center,
Federal Consulting Group has submitted
a request to OMB to renew its approval
of this collection of information for
three years.
An agency may not conduct or
sponsor, and a person is not required to
respond to, a collection of information
unless it is operating under a currently
valid OMB control number. The OMB
control number for this collection is
1090–0007. The control number will be
displayed on the surveys used. For
expeditious administration of the
surveys, the expiration date will not be
displayed on the individual
instruments. Response is not required to
obtain a benefit.
II. Data
(1) Title: ‘‘Customer Satisfaction
Surveys’’.
OMB Control Number: 1090–0007.
Current Expiration Date: October 31,
2012.
Type of Review: Information
Collection Renewal.
Affected Entities: Individuals and
Households, Businesses and
Organizations, and State, Local or Tribal
Government.
Estimated annual number of
respondents: Participation by Federal
agencies in the ACSI is expected to vary
as new customer segment measures are
added or deleted. However, based on
historical records, projected average
estimates for the next three years are as
follows:
Average Expected Annual Number of
Customer Satisfaction Surveys: 125
Respondents: 43,750
Annual responses: 43,750
Frequency of responses: Once per
survey.
(2) Annual reporting and
recordkeeping burden:
Total annual reporting per response:
12.0 minutes.
Total number of estimated responses:
43,750.
Total annual reporting: 8,750 hours.
Note: it is expected that the first year
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]]>Agencies
[Federal Register Volume 77, Number 196 (Wednesday, October 10, 2012)]
[Notices]
[Pages 61620-61623]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2012-24927]
=======================================================================
-----------------------------------------------------------------------
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
[Docket No. FR-5613-N-10]
Privacy Act of 1974; Home Equity Reverse Mortgage Information
Technology (HERMIT)--Notice of Modification to, and Deletion of HUD/HS-
10, Home Equity Conversion Mortgage System
AGENCY: Office of the Chief Information Officer HUD.
ACTION: Notification of modification to, and deletion of existing
system of records notification.
-----------------------------------------------------------------------
SUMMARY: Pursuant to the provision of the Privacy Act of 1974, as
amended (5 U.S.C. 552a), the Department of Housing and Urban
Development (HUD) is providing notice of its intent to modify and
delete one of its system of records notifications, the HUD/HS-10, Home
Equity Conversion Mortgage (HECM) system. HUD/HS-10, HECM is being
modified and replaced by the new HECM program system, Home Equity
Reverse Mortgage Information Technology (HERMIT). The modifications for
the existing system of
[[Page 61621]]
records notification will reflect clarification of system activities
which result in minor changes to the existing system of records
notification: Categories of Individuals covered by the system
(including categories of users and purposes of such users); Categories
of Records covered by the system (and in the system); Purposes of the
system; New system record locations, New naming convention for system,
Routine uses category assigned (and purpose of such uses). All
revisions are conducted to reflect the present status of the
information contained in the system. The HERMIT system will allow
Housing to consolidate many of the HECM program activities and improve
the effectiveness of the program. The present state of the system is
clarified in the supplementary and purpose information section. The
scope and/or business objectives of the Home Equity Conversion Mortgage
Program remain unchanged. The HUD/HS-10, HECM system of records
notification will be obsolete upon publication of this notice.
DATES: Effective Date: This proposal shall become effective, without
further notice, November 9, 2012, unless comments are received during
or before this period which would result in a contrary determination.
Comments Due Date: November 9, 2012.
ADDRESSES: Interested persons are invited to submit comments regarding
this notice to the Rules Docket Clerk, Office of General Counsel,
Department of Housing and Urban Development, 451 Seventh Street SW.,
Room 10276, Washington, DC 20410-3000. Communications should refer to
the above docket number and title. FAX comments are not acceptable. A
copy of each communication submitted will be available for public
inspection and copying between 8:00 a.m. and 5:00 p.m. weekdays at the
above address.
FOR FURTHER INFORMATION CONTACT: Inquiries pertaining to Privacy Act
records, contact Donna Robinson-Staton, Chief Privacy Officer,
telephone number (202) 402-8073, 451 Seventh Street SW., Washington, DC
20410 (Attention: Capitol View Building, 4th Floor) [The above
telephone numbers are not toll free numbers.] A telecommunications
device for hearing- and speech-impaired persons (TTY) is available by
calling the Federal Information Relay Service's toll-free telephone
number (800) 877-8339.
SUPPLEMENTARY INFORMATION: Pursuant to the Privacy Act of 1974 (5
U.S.C. 552a), Pursuant to the Privacy Act of 1974 (5 U.S.C. 552a), as
amended, notice is given that HUD proposes to modify an existing system
of records, the HUD/HS-10, Home Equity Conversion Mortgage system. This
notice provide a summary of the modified system of records. The system
will be identified by a new naming convention ``HSG/HWAT.01'' that has
been established by the Department to refer to a program component
system. The system of records is revising its routine use category to
balance the privacy interests of those entities requiring access to
system records to allow HUD's Federal Housing Administration (FHA) to
carry out its HECM program activities. The system also refines its
sections for category of individual, and category of records to provide
clarification of the types of records collected and maintained by the
system. Additionally, the system contains personally identifiable
information received from mortgagees and housing counseling agencies
approved to administer FHA HECM program requirements. The information
in the system includes (but is not limited to) individual level data
regarding borrowers who participate in the HECM program: Name, title,
property addresses, birthdates, Social Security Numbers, phone numbers
and (dates of death, when applicable). In addition the information in
the system includes (but is not limited to) business level data
regarding the mortgagee that administers FHA HECM loans: banking
information, Tax Identification Number, routing and accounts numbers,
mortgagee reference number, and accounting data. The HERMIT system is
expected to improve the overall effectiveness of the program operations
by providing comprehensive insurance servicing, claims payments, notice
servicing, accounting and reporting functionalities. The report of the
system of records modification/deletion was submitted to the Office of
Management and Budget (OMB), the Senate Committee on Homeland Security
and Governmental Affairs, and the House Committee on Government Reform
pursuant to Paragraph 4c of Appendix l to OMB Circular No. A-130,
``Federal Agencies Responsibilities for Maintaining Records About
Individuals,'' July 25, 1994 (59 FR 37914).
Authority: 5 U.S.C. 552a; 88 Stat. 1896; 42 U.S.C. 3535(d).
Dated: September 13, 2012.
Kevin Cooke,
Deputy Chief Information Officer.
HSG/HWAT.01
System Name:
Home Equity Reverse Mortgage Information Technology (HERMIT)
Service Provider formerly HUD/HS-10, Home Equity Conversion System
System Location:
External hosting location at the following address: 21701 Filigree
Ct., Building D, Ashburn, VA 20147; Housing and Urban Development (HUD)
workstations at 451 Seventh Street SW., Washington, DC 20410; HUD
National Servicing Center 2 West 2nd Street, Suite 400, Tulsa, OK
74103; HUD Atlanta Homeownership Center, Five Points Plaza 40 Marietta
Street, Atlanta, GA 30303-2806; HUD Philadelphia Homeownership Center,
The Wanamaker Building, 100 Penn Square East, Philadelphia, PA 19107-
3389; HUD Denver Homeownership Center Processing & Underwriting--20th
FL 1670 Broadway Denver, CO 80202; Santa Ana Homeownership Center,
Santa Ana Federal Building, 34 Civic Center Plaza, Room 7015, Santa
Ana, CA 92701-4003.
Categories of individuals covered by the system:
HECM mortgagees and HECM mortgagors for Home Equity Conversion
Mortgages insured under HUD's HECM mortgage insurance program, and FHA-
Approved Housing Counselors who participate in the HECM program.
Categories of records in the system:
The categories of records in the HERMIT system are as follows:
(1) Insurance-in-Force (IIF)/Premiums: HECM insurance-in-force and
premium records which include PII data pertaining borrowers' full
names, property addresses, birthdates, Social Security Numbers, phone
numbers and dates of death; case-level details on the HECM housing
counseling certificate, Maximum Claim Amount (MCA), property appraised
values, initial and monthly mortgage insurance premiums (IMIP & MMIP),
set asides, note interest rates and expected interest rates and case
statuses and sub-case statuses; payment plan types, and other financial
account data such as Principal Limits, monthly interest accruals, late
charge and interest charge fees, historical transaction records for
HECM cases, property taxes and hazard insurance amounts, business
partners' banking information (routing and account numbers); and
accounting data
[[Page 61622]]
including accounts receivable and payable due to and from HUD.
(2) HECM Claims: Borrowers' names, addresses, social security
numbers; maximum claim amount, due and payable approvals; death
notifications, deed-in-lieu; foreclosure actions, extension approvals,
interest rates and account statuses; payment and other financial
account data such as unpaid loan balances, interest accrued, service
fees, expenses incurred for foreclosure and acquisition, protection and
preservation, attorney fees, special assessments; disbursements for
taxes, insurance, utilities, eviction fees, and any other miscellaneous
disbursements; MIP, appraisals, closing costs; claims filed and paid;
indemnifications and claim blocks; business partner banking information
(Tax Identification Number, routing and account numbers), mortgagee
reference number; accounting data including established accounts
receivables and payables; and information for reporting and assumption
of servicing activities in cases of investor claim or default.
(3) HECM Loan Servicing: Borrowers' and authorized contacts' names
and addresses, birthdates, age, Social Security Numbers, phone numbers;
email addresses; marital status, gender, preferred language, banking
information (institutional information, routing, account numbers and
account type) maximum loan amounts, premium collection, interest rates
and account statuses; payment and other financial account data such as
loan balance, loan history, interest accrued, fees incurred, claims
filed and paid, real estate property information, property taxes and
insurance amounts, accounting data including debits and credits to HUD
accounts based on transaction events, vendor information; and
information for reporting and assuming servicing activities in case of
servicer or investor claim or default.
Authority for maintenance of the system:
Section 255 of the National Housing Act of 1934 authorizes the FHA
reverse mortgage program for the elderly, the Home Equity Conversion
Mortgage (HECM) program (12 U.S.C.1715Z-20). The Housing and Community
Development Act of 1987 (42 U.S.C. 3543--Sec. 3543) specifically
provides authority to collect Social Security Numbers.
Purposes:
HERMIT provides FHA with a comprehensive service that integrates
and automates five operations of the HECM program (insurance servicing;
claims payment; notes servicing, accounting, and reporting). The HECM
program promotes continued homeownership for the elderly by allowing
elderly borrowers to access the equity in their homes while continuing
to live in the property. HERMIT allows the Secretary to maintain the
``public trust'' over the HECM program by seamlessly, accurately and
timely managing the HECM program in an automated environment. HERMIT
allows HECM program personnel to collect and maintain the data
necessary to support activities related to the endorsement of loans,
including collection of initial and monthly premiums. The claims
process includes the filing of claims for insurance benefits and
disbursement of funds to lenders of loans insured under the HECM
program. Servicing activities include maintaining the data necessary to
support performance requirements of servicing for FHA insured and
Secretary-held first and second mortgages. The major activities include
acceptance of assignment and title review, servicing requests for HECM
endorsed cases from Mortgagees (due and payable, short sale, over-
allowables for preservation and protection costs, subordination
extension requests and partial releases), accounting functions,
collections according to the Fair Debt Collection Practices Act,
disbursement of payment, annual recertification, foreclosure
activities, bankruptcy activities, and compliance monitoring. The new
HERMIT replacement system will permit HECM mortgagees to: (1) Interact
with one, integrated HUD HECM system; (2) Interact with HUD's National
Servicing Center (NSC) through a new, automated workflow process; and,
(3) Replace manual claims filing processes with an online, automated
claims filing procedure.
Routine uses of records maintained in the system, including categories
of users and the purposes of such uses:
In addition to those disclosures generally permitted under
subsection (b) of the Privacy Act of 1974, 5 U.S.C. 522a(b), other
routine uses are as follows:
(1) To servicing mortgagee to give notice of miscalculations or
other errors in subsidy computation, to pay claims, or for other
servicing-related functions.
(2) To taxing authorities, insurance companies, homeowners
associations or condominium associations for maintaining the property
while HUD is the servicer of record to ensure property taxes are
current.
(3) To the U.S. Department of the Treasury for collection and
disbursement transactions (Pay.gov, ACH and check).
(4) To title insurance companies or financial institutions to allow
HUD to respond to inquiries for payoff figures on HECM assigned loans.
(5) To recorders' offices for recording legal documents and
responses to bankruptcy courts or other legal responses required during
the servicing of the insured loan to allow HUD to release mortgage
liens, respond to bankruptcies or deaths of mortgagors to protect the
interest of the Secretary of HUD.
(6) To the Federal Bureau of Investigation (FBI) to investigate
possible fraud revealed in the course of servicing efforts to allow HUD
to protect the interest of the Secretary.
(7) To an Administrative Law Judge and to the interested parties to
the extent necessary for conducting administrative proceedings where
HUD is a party.
(8) To welfare agencies for fraud investigation to allow HUD to
respond to state government inquiries when a HECM mortgagor is
committed to a nursing home.
See also on HUD's privacy Web site, Appendix 1 for discretionary
routine uses that may be applicable to this system of records.
Policies and practices for storing, retrieving, accessing, retaining,
and disposing of records in the system:
Storage:
Electronic files are stored in case files on servers and backup
files are stored on tapes. Electronic files are replicated at a
disaster recovery offsite location in case of loss of computing
capability or other emergency at the primary facility. HERMIT has no
hard ``Paper'' copies.
Safeguards:
Access to electronic records are granted by user ID and password to
users who have a need to know such records. In addition to the
safeguards provided by access controls all electronic data is encrypted
while stored on any systems media within HERMIT or in any transport
mode. Servers are contained in a secured facility with 24x7 security
guards including electronic access and surveillance capabilities (CCTV
and recorders, motion detectors, hand geometry readers, fiber vault) at
an offsite location. HERMIT has no hard ``Paper'' copies.
Retrievability:
Name, SSN, identification number, home telephone number, personal
email address, FHA Case Number and Mortgagee TIN.
[[Page 61623]]
Retention and Disposal:
Records are held in accordance with HUD's Records Disposition
Schedules Handbook (2225.6) Appendix 20(Single Family Home Mortgage
Insurance Program Records) and Appendix 21(Financial Management
Information Systems. Paper records are not in use. Electronic records
are held consistent with standards for paper records. Archival tape
media is kept for 7 years and the tapes are in rotation. Tapes that are
faulty and need to be disposed of follow HUD's IT Security Handbook
(2400.25), pursuant to NIST SP 800-88 guidelines section 2.1.
System Managers and Address:
Director, Office of Housing Finance and Budget; Department of
Housing and Urban Development, 451 Seventh Street SW., Washington, DC
20410.
Notification and Access procedures:
Individuals seeking to determine whether this system of records
contains information about them, or those seeking access to such
records, should address inquiries to Chief Privacy Officer, Department
of Housing and Urban Development, 451 Seventh Street SW., Room 4156,
Washington, DC 20410. (Attention: Capitol View Building, 4th Floor)
Requestors must provide identity verification by providing two proofs
of official identification. Your verification of identity must include
your original signature and must be notarized.
Contesting record procedures:
The Department's rules for contesting the contents of records and
appealing initial denials, by the individual concerned, appear in 24
CFR Sec. 16. If additional information or assistance is needed, it may
be obtained by contacting:
(i) In relation to contesting contents of records, the Privacy Act
Officer at the appropriate location;
(ii) In relation to appeals of initial denials, the HUD
Departmental Privacy Appeals Officer, Office of General Counsel,
Department of Housing and Urban Development, 451 Seventh Street SW.,
Washington, DC 20410.
Record source categories:
Mortgagors, mortgagees, taxing authorities, insurance companies and
Housing counselors. The mortgagors and mortgagees collect the personal
information from program participants and enters the information into
the HUD the Single Family Computerized Home Underwriting Management
System (CHUMs). The HERMIT system interfaces CHUMS for its information.
Exemption claimed for the system:
None.
[FR Doc. 2012-24927 Filed 10-9-12; 8:45 am]
BILLING CODE 4210-67-P
