Privacy Act of 1974, as Amended, 67802-67804 [2012-27582]

Download as PDF 67802 Federal Register / Vol. 77, No. 220 / Wednesday, November 14, 2012 / Notices Opinion was issued in November 2012 and concluded that the USFWS’ project is not likely to jeopardize the continued existence of any listed species or adversely modify or destroy critical habitat. The mitigation measures included in the final IHA have also been included in the Incidental Take Statement provided with the Biological Opinion. National Environmental Policy Act (NEPA) In compliance with the National Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.), as implemented by the regulations published by the Council on Environmental Quality (40 CFR parts 1500–1508), and NOAA Administrative Order 216–6, NMFS prepared an Environmental Assessment (EA) to consider the direct, indirect, and cumulative effects to marine mammals resulting from issuance of a 1-year IHA and the potential issuance of future authorizations for incidental harassment for the ongoing project. NMFS made a finding of no significant impact (FONSI) and the EA and FONSI are available on the NMFS Web site listed in the beginning of this document (see ADDRESSES). Dated: November 7, 2012. Helen M. Golde, Acting Director, Office of Protected Resources, National Marine Fisheries Service. [FR Doc. 2012–27661 Filed 11–13–12; 8:45 am] BILLING CODE 3510–22–P BUREAU OF CONSUMER FINANCIAL PROTECTION Privacy Act of 1974, as Amended Bureau of Consumer Financial Protection ACTION: Notice of Proposed Privacy Act System of Records. AGENCY: In accordance with the Privacy Act of 1974, as amended, the Bureau of Consumer Financial Protection, hereinto referred to as the Consumer Financial Protection Bureau (‘‘CFPB’’ or the ‘‘Bureau’’), gives notice of the establishment of a Privacy Act System of Records. DATES: Comments must be received no later than December 14, 2012. The new system of records will be effective December 24, 2012, unless the comments received result in a contrary determination. ADDRESSES: You may submit comments by any of the following methods: • Electronic: privacy@cfpb.gov • Mail/Hand Delivery/Courier: Claire Stapleton, Chief Privacy Officer, emcdonald on DSK67QTVN1PROD with NOTICES SUMMARY: VerDate Mar<15>2010 14:41 Nov 13, 2012 Jkt 229001 Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552. Comments will be available for public inspection and copying at 1700 G Street NW., Washington, DC 20552 on official business days between the hours of 10 a.m. and 5 p.m. Eastern Time. You can make an appointment to inspect comments by telephoning (202) 435– 7220. All comments, including attachments and other supporting materials, will become part of the public record and subject to public disclosure. You should submit only information that you wish to make available publicly. FOR FURTHER INFORMATION CONTACT: Claire Stapleton, Chief Privacy Officer, Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552, (202) 435–7220. SUPPLEMENTARY INFORMATION: The DoddFrank Wall Street Reform and Consumer Protection Act (‘‘Act’’), Public Law No. 111–203, Title X, established the CFPB to administer and enforce federal consumer financial law. The new system of records described in this notice ‘‘CFPB.022—Market and Consumer Research Records’’ will maintain records related to the CFPB’s monitoring of risks to consumers in the offering or provision of consumer financial products or services, including developments in markets for such products or services; and to the CFPB’s researching, analyzing, and reporting on consumer financial products or services, consumer awareness and understanding of the costs, risks, and benefits of such products or services, and consumer behavior with respect to such products or services. The CFPB will maintain control over the records covered by this notice. The report of the new system of records has been submitted to the Committee on Oversight and Government Reform of the House of Representatives, the Committee on Homeland Security and Governmental Affairs of the Senate, and the Office of Management and Budget, pursuant to Appendix I to OMB Circular A–130, ‘‘Federal Agency Responsibilities for Maintaining Records About Individuals,’’ dated November 30, 2000,1 and the Privacy Act, 5 U.S.C. 552a(r). The system of records entitled ‘‘CFPB.022—Market and Consumer 1 Although the CFPB, under 12 U.S.C. 5497(a)(4)(E), is not legally required to follow OMBissued guidance, it voluntarily follows OMB privacy-related guidance as a best practice and to facilitate cooperation and collaboration with other agencies. PO 00000 Frm 00013 Fmt 4703 Sfmt 4703 Research Records’’ is published in its entirety below. Dated: November 5, 2012. Claire Stapleton, Chief Privacy Officer, Bureau of Consumer Financial Protection. CFPB.022 SYSTEM NAME: Market and Consumer Research Records. SYSTEM LOCATION: Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552. CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM: Information in the system will contain records that have been collected from: providers of consumer financial products and services, consumer reporting agencies, and debt counselors; service providers to the above; consumers; government entities; and commercial and non-profit entities that compile or otherwise possess data sets obtained from one or more of the above sources. CATEGORIES OF RECORDS IN THE SYSTEM: Records in the system may include without limitation: (1) contact information for the categories of individuals mentioned above (e.g., names, phone numbers, email addresses, physical addresses, and governmental-issued identification numbers); (2) information collected from consumers as part of surveys, randomized controlled trials, or through other mechanisms; (3) consumer financial transaction data and other information related to consumers’ financial statuses; (4) information about the legal relationships between consumers and market participants, such as contracts and dispute records; (5) information about commercial relationships between consumers and other market participants; and (6) information on consumer characteristics collected by market participants or other entities. AUTHORITY FOR MAINTENANCE OF THE SYSTEM: Public Law 111–203, Title X, Sections 1013 and 1022 codified at 12 U.S.C. 5493 and 5512. PURPOSE(S): Records in this system are collected to enable the CFPB to monitor, research, analyze, and report information relevant to the functioning of markets for consumer financial products and services. This system will also enable CFPB to research, analyze, and report on E:\FR\FM\14NON1.SGM 14NON1 Federal Register / Vol. 77, No. 220 / Wednesday, November 14, 2012 / Notices consumer financial products or services, consumer awareness and understanding of the costs, risks, and benefits of such products or services, and consumer behavior with respect to such products or services. In most cases, records will not contain personal identifiers. Records with personal identifiers will be used solely for purposes of matching the records with other datasets, which will better enable the CFPB to perform the statutory functions identified above. After the matching is complete, a deidentified copy of the matched dataset will be used for conducting research and analysis. The CFPB will use the personal identifiers after the matching only for the purpose of performing similar matches on future data acquisitions. emcdonald on DSK67QTVN1PROD with NOTICES ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES OF USERS AND THE PURPOSES OF SUCH USES: These records may be disclosed, consistent with the CFPB Disclosure of Records and Information Rules, promulgated at 12 CFR 1070 et seq., to: (1) Appropriate agencies, entities, and persons when: (a) the CFPB suspects or has confirmed that the security or confidentiality of information in the system of records has been compromised; (b) the CFPB has determined that, as a result of the suspected or confirmed compromise, there is a risk of harm to economic or property interests, identity theft or fraud, or harm to the security or integrity of this system or other systems or programs (whether maintained by the CFPB or another agency or entity) that rely upon the compromised information; and (c) the disclosure made to such agencies, entities, and persons is reasonably necessary to assist in connection with the CFPB’s efforts to respond to the suspected or confirmed compromise and prevent, minimize, or remedy such harm; (2) Another federal or state agency to (a) permit a decision as to access, amendment or correction of records to be made in consultation with or by that agency, or (b) verify the identity of an individual or the accuracy of information submitted by an individual who has requested access to or amendment or correction of records; (3) To the Office of the President in response to an inquiry from that office made at the request of the subject of a record or a third party on that person’s behalf; (4) Congressional offices in response to an inquiry made at the request of the individual to whom the record pertains; VerDate Mar<15>2010 14:41 Nov 13, 2012 Jkt 229001 (5) Contractors, agents, or other authorized individuals performing work on a contract, service, cooperative agreement, job, or other activity on behalf of the CFPB or Federal Government and who have a need to access the information in the performance of their duties or activities; (6) The U.S. Department of Justice (‘‘DOJ’’) for its use in providing legal advice to the CFPB or in representing the CFPB in a proceeding before a court, adjudicative body, or other administrative body, where the use of such information by the DOJ is deemed by the CFPB to be relevant and necessary to the advice or proceeding, and such proceeding names as a party in interest: (a) The CFPB; (b) Any employee of the CFPB in his or her official capacity; (c) Any employee of the CFPB in his or her individual capacity where DOJ has agreed to represent the employee; or (d) The United States, where the CFPB determines that litigation is likely to affect the CFPB or any of its components; (7) A court, magistrate, or administrative tribunal in the course of an administrative proceeding or judicial proceeding, including disclosures to opposing counsel or witnesses (including expert witnesses) in the course of discovery or other pre-hearing exchanges of information, litigation, or settlement negotiations, where relevant or potentially relevant to a proceeding, or in connection with criminal law proceedings; (8) A grand jury pursuant either to a federal or state grand jury subpoena, or to a prosecution request that such record be released for the purpose of its introduction to a grand jury, where the subpoena or request has been specifically approved by a court. In those cases where the Federal Government is not a party to the proceeding, records may be disclosed if a subpoena has been signed by a judge; (9) Appropriate federal, state, local, foreign, tribal, or self-regulatory organizations or agencies responsible for investigating, prosecuting, enforcing, implementing, issuing, or carrying out a statute, rule, regulation, order, policy, or license if the information may be relevant to a potential violation of civil or criminal law, rule, regulation, order, policy or license; and (10) Appropriate federal, state, local, foreign, tribal, or self-regulatory organizations or agencies that partner with the CFPB for research purposes. PO 00000 Frm 00014 Fmt 4703 Sfmt 4703 67803 POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING, AND DISPOSING OF RECORDS IN THE SYSTEM: STORAGE: Paper and electronic records. RETRIEVABILITY: The records may contain personal identifiers for purposes of matching the records with other datasets. After the matching is complete, a de-identified copy of the matched dataset will be used for conducting research and analysis. The CFPB may retain the personal identifiers after the matching, but only for the purpose of performing similar matches on future data acquisitions. SAFEGUARDS: Access to electronic records is restricted to authorized personnel who have been issued non-transferrable access codes and passwords. Other records are maintained in locked file cabinets or rooms with access limited to those personnel whose official duties require access. During matching, identifiable data is solely under the control of a limited number of employees or contractors who are required to uphold confidentiality restrictions of the CFPB. In addition, any contract personnel who have access to the records are required to sign nondisclosure agreements prior to working with the data. RETENTION AND DISPOSAL: The CFPB will maintain electronic and paper records indefinitely until the National Archives and Records Administration (‘‘NARA’’) approves the CFPB’s records disposition schedule. SYSTEM MANAGER(S) AND ADDRESS: Consumer Financial Protection Bureau, Associate Director, Research Markets and Regulations, 1700 G Street NW., Washington, DC 20552. NOTIFICATION PROCEDURE: Individuals seeking notification and access to any record contained in this system of records, or seeking to contest its content, may inquire in writing in accordance with instructions appearing in Title 12, Chapter 10 of the CFR, ‘‘Disclosure of Records and Information.’’ Address such requests to: Chief Privacy Officer, Bureau of Consumer Financial Protection, 1700 G Street NW., Washington, DC 20552. RECORD ACCESS PROCEDURES: See ‘‘Notification Procedures’’ above. CONTESTING RECORD PROCEDURES: See ‘‘Notification Procedures’’ above. E:\FR\FM\14NON1.SGM 14NON1 67804 Federal Register / Vol. 77, No. 220 / Wednesday, November 14, 2012 / Notices RECORD SOURCE CATEGORIES: Information in this system will be obtained from: providers of consumer financial products and services, consumer reporting agencies, and debt counselors; service providers to the above; consumers; government entities; and commercial and non-profit entities that compile or otherwise possess data sets obtained from one or more of the above sources. In addition, information may be added by CFPB employees and contractors involved in research tasks. EXEMPTIONS CLAIMED FOR THE SYSTEM: None. [FR Doc. 2012–27582 Filed 11–13–12; 8:45 am] BILLING CODE 4810–AM–P DEPARTMENT OF DEFENSE GENERAL SERVICES ADMINISTRATION NATIONAL AERONAUTICS AND SPACE ADMINISTRATION [Docket 2012–0076; Sequence 33; OMB Control No. 9000–0080] Federal Acquisition Regulation; Submission for OMB Review; Integrity of Unit Prices Department of Defense (DOD), General Services Administration (GSA), and National Aeronautics and Space Administration (NASA). ACTION: Notice of request for public comments regarding an extension to an existing OMB clearance. AGENCY: Under the provisions of the Paperwork Reduction Act, the Regulatory Secretariat will be submitting to the Office of Management and Budget (OMB) a request to review and approve an extension of a previously approved information collection requirement concerning Integrity of Unit Prices. A notice was published in the Federal Register at 77 FR 52739, on August 30, 2012. No comments were received. Public comments are particularly invited on: Whether this collection of information is necessary; whether it will have practical utility; whether our estimate of the public burden of this collection of information is accurate, and based on valid assumptions and methodology; ways to enhance the quality, utility, and clarity of the information to be collected; and ways in which we can minimize the burden of the collection of information on those who are to respond, through the use of appropriate technological collection emcdonald on DSK67QTVN1PROD with NOTICES SUMMARY: VerDate Mar<15>2010 14:41 Nov 13, 2012 Jkt 229001 techniques or other forms of information technology. Submit comments on or before December 14, 2012. DATES: Submit comments identified by Information Collection 9000–0080, Integrity of Unit Prices by any of the following methods: • Regulations.gov: http:// www.regulations.gov. Submit comments via the Federal eRulemaking portal by searching the OMB control number. Select the link ‘‘Submit a Comment’’ that corresponds with ‘‘Information Collection 9000–0080, Integrity of Unit Prices’’. Follow the instructions provided at the ‘‘Submit a Comment’’ screen. Please include your name, company name (if any), and ‘‘Information Collection 9000–0080, Integrity of Unit Prices’’ on your attached document. • Fax: 202–501–4067. • Mail: General Services Administration, Regulatory Secretariat (MVCB), 1275 First Street NE., Washington, DC 20417. ATTN: Hada Flowers/IC 9000–0080, Integrity of Unit Prices. Instructions: Please submit comments only and cite Information Collection 9000–0080, Integrity of Unit Prices, in all correspondence related to this collection. 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: Mr. Edward Loeb, Procurement Analyst, Office of Acquisition Policy, GSA, (202) 501–0650 or email edward.loeb@gsa.gov. ADDRESSES: SUPPLEMENTARY INFORMATION: A. Purpose The clause at FAR 52.215–14, Integrity of Unit Prices, requires offerors and contractors under Federal contracts that are to be awarded without adequate price competition to identify in their proposals those supplies which they will not manufacture or to which they will not contribute significant value. The policies included in the FAR are required by 41 U.S.C. 3503 (a)(1)(A)(for the civilian agencies) and 10.U.S.C 2306a(b)(1)(A)(i)(for DOD and NASA). The rule contains no reporting requirements on contracts below the simplified acquisition threshold, construction and architect-engineering services, utility services, service contracts where supplies are not required, commercial items, and contracts for petroleum products. PO 00000 Frm 00015 Fmt 4703 Sfmt 4703 B. Annual Reporting Burden Respondents: 950. Responses Per Respondent: 10. Annual Responses: 9500. Hours Per Response: 1 hour. Total Burden Hours: 9,500. Obtaining Copies of Proposals: Requesters may obtain a copy of the information collection documents from the General Services Administration, Regulatory Secretariat (MVCB), 1275 First Street NE., Washington, DC, 20417, telephone (202) 501–4755. Please cite OMB Control No. 9000–0080, Integrity of Unit Prices. Dated: November 7, 2012. William Clark, Acting Director, Federal Acquisition Policy Division, Office of Governmentwide Acquisition Policy, Office of Acquisition Policy, Office of Governmentwide Policy. [FR Doc. 2012–27635 Filed 11–13–12; 8:45 am] BILLING CODE 6820–EP–P DEPARTMENT OF EDUCATION [Docket No.: ED–2012–ICCD–0051] Agency Information Collection Activities; Comment Request; Application for Client Assistance Program Department of Education (ED), Office of Special Education and Rehabilitative Services (OSERS), ED. ACTION: Notice. AGENCY: In accordance with the Paperwork Reduction Act of 1995, ED is proposing an extension of an existing information collection. DATES: Interested persons are invited to submit comments on or before January 14, 2013. ADDRESSES: Comments submitted in response to this notice should be submitted electronically through the Federal eRulemaking Portal at http:// www.regulations.gov by selecting Docket ID number ED–2012–ICCD–0051 or via postal mail, commercial delivery, or hand delivery. Please note that comments submitted by fax or email and those submitted after the comment period will not be accepted. Written requests for information or comments submitted by postal mail or delivery should be addressed to the Director of the Information Collection Clearance Division, U.S. Department of Education, 400 Maryland Avenue SW., LBJ, Room 2E117, Washington, DC 20202–4537. FOR FURTHER INFORMATION CONTACT: Electronically mail ICDocketMgr@ed.gov. Please do not send comments here. SUMMARY: E:\FR\FM\14NON1.SGM 14NON1

Agencies

[Federal Register Volume 77, Number 220 (Wednesday, November 14, 2012)]
[Notices]
[Pages 67802-67804]
From the Federal Register Online via the Government Printing Office [www.gpo.gov]
[FR Doc No: 2012-27582]


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BUREAU OF CONSUMER FINANCIAL PROTECTION


Privacy Act of 1974, as Amended

AGENCY: Bureau of Consumer Financial Protection

ACTION: Notice of Proposed Privacy Act System of Records.

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

SUMMARY: In accordance with the Privacy Act of 1974, as amended, the 
Bureau of Consumer Financial Protection, hereinto referred to as the 
Consumer Financial Protection Bureau (``CFPB'' or the ``Bureau''), 
gives notice of the establishment of a Privacy Act System of Records.

DATES: Comments must be received no later than December 14, 2012. The 
new system of records will be effective December 24, 2012, unless the 
comments received result in a contrary determination.

ADDRESSES: You may submit comments by any of the following methods:
     Electronic: privacy@cfpb.gov
     Mail/Hand Delivery/Courier: Claire Stapleton, Chief 
Privacy Officer, Consumer Financial Protection Bureau, 1700 G Street 
NW., Washington, DC 20552.

Comments will be available for public inspection and copying at 1700 G 
Street NW., Washington, DC 20552 on official business days between the 
hours of 10 a.m. and 5 p.m. Eastern Time. You can make an appointment 
to inspect comments by telephoning (202) 435-7220. All comments, 
including attachments and other supporting materials, will become part 
of the public record and subject to public disclosure. You should 
submit only information that you wish to make available publicly.

FOR FURTHER INFORMATION CONTACT: Claire Stapleton, Chief Privacy 
Officer, Consumer Financial Protection Bureau, 1700 G Street NW., 
Washington, DC 20552, (202) 435-7220.

SUPPLEMENTARY INFORMATION: The Dodd-Frank Wall Street Reform and 
Consumer Protection Act (``Act''), Public Law No. 111-203, Title X, 
established the CFPB to administer and enforce federal consumer 
financial law. The new system of records described in this notice 
``CFPB.022--Market and Consumer Research Records'' will maintain 
records related to the CFPB's monitoring of risks to consumers in the 
offering or provision of consumer financial products or services, 
including developments in markets for such products or services; and to 
the CFPB's researching, analyzing, and reporting on consumer financial 
products or services, consumer awareness and understanding of the 
costs, risks, and benefits of such products or services, and consumer 
behavior with respect to such products or services. The CFPB will 
maintain control over the records covered by this notice.
    The report of the new system of records has been submitted to the 
Committee on Oversight and Government Reform of the House of 
Representatives, the Committee on Homeland Security and Governmental 
Affairs of the Senate, and the Office of Management and Budget, 
pursuant to Appendix I to OMB Circular A-130, ``Federal Agency 
Responsibilities for Maintaining Records About Individuals,'' dated 
November 30, 2000,\1\ and the Privacy Act, 5 U.S.C. 552a(r).
---------------------------------------------------------------------------

    \1\ Although the CFPB, under 12 U.S.C. 5497(a)(4)(E), is not 
legally required to follow OMB-issued guidance, it voluntarily 
follows OMB privacy-related guidance as a best practice and to 
facilitate cooperation and collaboration with other agencies.
---------------------------------------------------------------------------

    The system of records entitled ``CFPB.022--Market and Consumer 
Research Records'' is published in its entirety below.

    Dated: November 5, 2012.
Claire Stapleton,
Chief Privacy Officer, Bureau of Consumer Financial Protection.
CFPB.022

SYSTEM NAME:
    Market and Consumer Research Records.

SYSTEM LOCATION:
    Consumer Financial Protection Bureau, 1700 G Street NW., 
Washington, DC 20552.

CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
    Information in the system will contain records that have been 
collected from: providers of consumer financial products and services, 
consumer reporting agencies, and debt counselors; service providers to 
the above; consumers; government entities; and commercial and non-
profit entities that compile or otherwise possess data sets obtained 
from one or more of the above sources.

CATEGORIES OF RECORDS IN THE SYSTEM:
    Records in the system may include without limitation: (1) contact 
information for the categories of individuals mentioned above (e.g., 
names, phone numbers, email addresses, physical addresses, and 
governmental-issued identification numbers); (2) information collected 
from consumers as part of surveys, randomized controlled trials, or 
through other mechanisms; (3) consumer financial transaction data and 
other information related to consumers' financial statuses; (4) 
information about the legal relationships between consumers and market 
participants, such as contracts and dispute records; (5) information 
about commercial relationships between consumers and other market 
participants; and (6) information on consumer characteristics collected 
by market participants or other entities.

AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
    Public Law 111-203, Title X, Sections 1013 and 1022 codified at 12 
U.S.C. 5493 and 5512.

PURPOSE(S):
    Records in this system are collected to enable the CFPB to monitor, 
research, analyze, and report information relevant to the functioning 
of markets for consumer financial products and services. This system 
will also enable CFPB to research, analyze, and report on

[[Page 67803]]

consumer financial products or services, consumer awareness and 
understanding of the costs, risks, and benefits of such products or 
services, and consumer behavior with respect to such products or 
services.
    In most cases, records will not contain personal identifiers. 
Records with personal identifiers will be used solely for purposes of 
matching the records with other datasets, which will better enable the 
CFPB to perform the statutory functions identified above. After the 
matching is complete, a de-identified copy of the matched dataset will 
be used for conducting research and analysis. The CFPB will use the 
personal identifiers after the matching only for the purpose of 
performing similar matches on future data acquisitions.

ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES 
OF USERS AND THE PURPOSES OF SUCH USES:
    These records may be disclosed, consistent with the CFPB Disclosure 
of Records and Information Rules, promulgated at 12 CFR 1070 et seq., 
to:
    (1) Appropriate agencies, entities, and persons when: (a) the CFPB 
suspects or has confirmed that the security or confidentiality of 
information in the system of records has been compromised; (b) the CFPB 
has determined that, as a result of the suspected or confirmed 
compromise, there is a risk of harm to economic or property interests, 
identity theft or fraud, or harm to the security or integrity of this 
system or other systems or programs (whether maintained by the CFPB or 
another agency or entity) that rely upon the compromised information; 
and (c) the disclosure made to such agencies, entities, and persons is 
reasonably necessary to assist in connection with the CFPB's efforts to 
respond to the suspected or confirmed compromise and prevent, minimize, 
or remedy such harm;
    (2) Another federal or state agency to (a) permit a decision as to 
access, amendment or correction of records to be made in consultation 
with or by that agency, or (b) verify the identity of an individual or 
the accuracy of information submitted by an individual who has 
requested access to or amendment or correction of records;
    (3) To the Office of the President in response to an inquiry from 
that office made at the request of the subject of a record or a third 
party on that person's behalf;
    (4) Congressional offices in response to an inquiry made at the 
request of the individual to whom the record pertains;
    (5) Contractors, agents, or other authorized individuals performing 
work on a contract, service, cooperative agreement, job, or other 
activity on behalf of the CFPB or Federal Government and who have a 
need to access the information in the performance of their duties or 
activities;
    (6) The U.S. Department of Justice (``DOJ'') for its use in 
providing legal advice to the CFPB or in representing the CFPB in a 
proceeding before a court, adjudicative body, or other administrative 
body, where the use of such information by the DOJ is deemed by the 
CFPB to be relevant and necessary to the advice or proceeding, and such 
proceeding names as a party in interest: (a) The CFPB; (b) Any employee 
of the CFPB in his or her official capacity; (c) Any employee of the 
CFPB in his or her individual capacity where DOJ has agreed to 
represent the employee; or (d) The United States, where the CFPB 
determines that litigation is likely to affect the CFPB or any of its 
components;
    (7) A court, magistrate, or administrative tribunal in the course 
of an administrative proceeding or judicial proceeding, including 
disclosures to opposing counsel or witnesses (including expert 
witnesses) in the course of discovery or other pre-hearing exchanges of 
information, litigation, or settlement negotiations, where relevant or 
potentially relevant to a proceeding, or in connection with criminal 
law proceedings;
    (8) A grand jury pursuant either to a federal or state grand jury 
subpoena, or to a prosecution request that such record be released for 
the purpose of its introduction to a grand jury, where the subpoena or 
request has been specifically approved by a court. In those cases where 
the Federal Government is not a party to the proceeding, records may be 
disclosed if a subpoena has been signed by a judge;
    (9) Appropriate federal, state, local, foreign, tribal, or self-
regulatory organizations or agencies responsible for investigating, 
prosecuting, enforcing, implementing, issuing, or carrying out a 
statute, rule, regulation, order, policy, or license if the information 
may be relevant to a potential violation of civil or criminal law, 
rule, regulation, order, policy or license; and
    (10) Appropriate federal, state, local, foreign, tribal, or self-
regulatory organizations or agencies that partner with the CFPB for 
research purposes.

POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING, 
AND DISPOSING OF RECORDS IN THE SYSTEM:
STORAGE:
    Paper and electronic records.

RETRIEVABILITY:
    The records may contain personal identifiers for purposes of 
matching the records with other datasets. After the matching is 
complete, a de-identified copy of the matched dataset will be used for 
conducting research and analysis. The CFPB may retain the personal 
identifiers after the matching, but only for the purpose of performing 
similar matches on future data acquisitions.

SAFEGUARDS:
    Access to electronic records is restricted to authorized personnel 
who have been issued non-transferrable access codes and passwords. 
Other records are maintained in locked file cabinets or rooms with 
access limited to those personnel whose official duties require access. 
During matching, identifiable data is solely under the control of a 
limited number of employees or contractors who are required to uphold 
confidentiality restrictions of the CFPB. In addition, any contract 
personnel who have access to the records are required to sign 
nondisclosure agreements prior to working with the data.

RETENTION AND DISPOSAL:
    The CFPB will maintain electronic and paper records indefinitely 
until the National Archives and Records Administration (``NARA'') 
approves the CFPB's records disposition schedule.

SYSTEM MANAGER(S) AND ADDRESS:
    Consumer Financial Protection Bureau, Associate Director, Research 
Markets and Regulations, 1700 G Street NW., Washington, DC 20552.

NOTIFICATION PROCEDURE:
    Individuals seeking notification and access to any record contained 
in this system of records, or seeking to contest its content, may 
inquire in writing in accordance with instructions appearing in Title 
12, Chapter 10 of the CFR, ``Disclosure of Records and Information.'' 
Address such requests to: Chief Privacy Officer, Bureau of Consumer 
Financial Protection, 1700 G Street NW., Washington, DC 20552.

RECORD ACCESS PROCEDURES:
    See ``Notification Procedures'' above.

CONTESTING RECORD PROCEDURES:
    See ``Notification Procedures'' above.

[[Page 67804]]

RECORD SOURCE CATEGORIES:
    Information in this system will be obtained from: providers of 
consumer financial products and services, consumer reporting agencies, 
and debt counselors; service providers to the above; consumers; 
government entities; and commercial and non-profit entities that 
compile or otherwise possess data sets obtained from one or more of the 
above sources. In addition, information may be added by CFPB employees 
and contractors involved in research tasks.

EXEMPTIONS CLAIMED FOR THE SYSTEM:
    None.

[FR Doc. 2012-27582 Filed 11-13-12; 8:45 am]
BILLING CODE 4810-AM-P