Privacy Act of 1974; System of Records, 60683-60691 [2016-21218]

Agencies

• DEPARTMENT OF EDUCATION

[Federal Register Volume 81, Number 171 (Friday, September 2, 2016)]
[Notices]
[Pages 60683-60691]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2016-21218]


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DEPARTMENT OF EDUCATION

[Docket ID ED-2016-FSA-0044]


Privacy Act of 1974; System of Records

AGENCY: Federal Student Aid, Department of Education.

ACTION: Notice of an altered system of records.

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SUMMARY: In accordance with the Privacy Act of 1974, as amended 
(Privacy Act), the Chief Operating Officer for Federal Student Aid 
(FSA) of the U.S. Department of Education (the Department) publishes 
this notice to revise the system of records entitled ``Common Services 
for Borrowers (CSB)'' (18-11-16).
    The Department publishes this notice to supplement the description 
of the CSB system to include paper records obtained from guarantee 
agencies as part of the appeal of guarantee agencies' decisions to the 
Department and to revise the CSB system of records as a result of 
receiving multiple requests for documents from Federal, State, local, 
or tribal governmental entities seeking to verify Department 
contractors' compliance with consumer protection, debt collection, 
financial, and other applicable statutory, regulatory, or local 
requirements. To more easily accommodate these requests, FSA proposes 
to add a new routine use to allow the Department to make disclosures to 
governmental entities at the Federal, State, or local levels regarding 
the practices of Department contractors who have been provided with 
access to the CSB system (e.g., Federal Loan servicers, including not-
for-profit servicers, the Federal Perkins Loan servicer, and private 
collection agencies) with regards to all aspects of loans and grants 
made under title IV of the Higher Education Act of 1965, as amended 
(HEA), in order to permit these governmental entities to verify the 
contractor's compliance with debt collection, financial, and other 
applicable statutory, regulatory, or local requirements, thus allowing 
such contractors to continue with their contracted activities for loans 
and grants made under title IV of the HEA.

DATES: Submit your comments on this altered system of records notice on 
or before October 3, 2016.
    The Department has filed a report describing the altered system of 
records covered by this notice with the Chair of the Senate Committee 
on Homeland Security and Governmental Affairs, the Chair of the House 
Committee on Oversight and Government Reform, and the Administrator of 
the Office of Information and Regulatory Affairs, Office of Management 
and Budget (OMB) on August 22, 2016. This altered system of records 
will become effective on the later date of: (1) The expiration of the 
40-day period for OMB review on August 22, 2016; or (2) October 3, 
2016, unless the altered system of records notice needs to be changed 
as a result of public comment or OMB review. The Department will 
publish any changes to the altered system of records notice that result 
from public comment or OMB review.

ADDRESSES: Submit your comments through the Federal eRulemaking Portal 
or via postal mail, commercial delivery, or hand delivery. We will not 
accept comments submitted by fax or by email or those submitted after 
the comment period. To ensure that we do not receive duplicate copies, 
please submit your comments only once. In addition, please include the 
Docket ID at the top of your comments.
     Federal eRulemaking Portal: Go to www.regulations.gov to 
submit your comments electronically. Information on using 
Regulations.gov, including instructions for accessing agency documents, 
submitting comments, and viewing the docket, is available on the site 
under the ``help'' tab.
     Postal Mail, Commercial Delivery, or Hand Delivery: If you 
mail or deliver your comments about this altered system of records, 
address them to: William Leith, Director, Program Management Services, 
Business Operations, Federal Student Aid, U.S. Department of Education, 
830 First Street NE., Union Center Plaza (UCP), Room 111I1, Washington, 
DC 20202-5132.

    Privacy Note: The Department's policy is to make all comments 
received from members of the public available for public viewing in 
their entirety on the Federal eRulemaking Portal at 
www.regulations.gov. Therefore, commenters should be careful to 
include in their comments only information that they wish to make 
publicly available.

    Assistance to Individuals with Disabilities in Reviewing the 
Rulemaking Record: On request, we will

[[Page 60684]]

supply an appropriate accommodation or auxiliary aid to an individual 
with a disability who needs assistance to review the comments or other 
documents in the public rulemaking record for this notice. If you want 
to schedule an appointment for this type of accommodation or auxiliary 
aid, please contact the person listed under FOR FURTHER INFORMATION 
CONTACT.

FOR FURTHER INFORMATION CONTACT: William Leith, Director, Program 
Management Services, Business Operations, Federal Student Aid, U.S. 
Department of Education, UCP, 830 First Street NE., Room 111I1, 
Washington, DC 20202-5132. Telephone number: (202) 377-3676.
    If you use a telecommunications device for the deaf (TDD) or a text 
telephone (TTY), you may call the Federal Relay Service (FRS), toll 
free, at 1-800-877-8339.

SUPPLEMENTARY INFORMATION: 

Introduction

    The CSB system of records covers records for all activities that 
the Department carries out with regard to making and servicing Federal 
title IV, HEA loans, and collecting or otherwise resolving obligations 
owed by an individual with respect to a Federal title IV, HEA loan or 
grant program. The CSB system contains records of an individual's 
Federal title IV, HEA loans or grants and of transactions performed by 
the Department to carry out the purposes of this notice.
    Authority to collect data to make and service title IV, HEA loans, 
and to otherwise resolve obligations owed by an individual with respect 
to a Federal title IV, HEA grant program, is provided by titles IV-A, 
IV-B, IV-D, and IV-E of the HEA.
    The Privacy Act (5 U.S.C. 552a(e)(4) and (11)) requires Federal 
agencies to publish in the Federal Register this notice of an altered 
system of records. The Department's regulations implementing the 
Privacy Act are contained in part 5b of title 34 of the Code of Federal 
Regulations (CFR).
    The Privacy Act applies to records about individuals that contain 
individually identifying information and that are retrieved by a unique 
identifier associated with each individual, such as a name or Social 
Security number. The information about each individual is called a 
``record,'' and the system, whether manual or computer-based, is called 
a ``system of records.''
    Whenever the Department makes a significant change to an 
established system of records, the Privacy Act requires the Department 
to publish a notice of an altered system of records in the Federal 
Register and to prepare and send a report to the Chair of the Committee 
on Oversight and Government Reform of the House of Representatives, the 
Chair of the Committee on Homeland Security and Governmental Affairs of 
the Senate, and the Administrator of the Office of Information and 
Regulatory Affairs, OMB. These reports are intended to permit an 
evaluation of the probable effect of the proposal on the privacy rights 
of individuals.
    A change to a system of records is considered to be a significant 
change that must be reported whenever an agency expands the types or 
categories of information maintained, significantly expands the number, 
types, or categories of individuals about whom records are maintained, 
changes the purpose for which the information is used, changes the 
equipment configuration in a way that creates substantially greater 
access to the records, or adds a routine use disclosure to the system. 
The CSB system of records was first published in the Federal Register 
on January 23, 2006 (71 FR 3503), and subsequently updated on September 
12, 2014 (79 FR 54685).
    This notice will add a new category of records to the categories of 
records in the CSB system. This category will include records obtained 
by the Department as part of the appeal of guarantee agency decisions. 
These records are kept by the Department in paper form and are not 
included in any electronic systems. Including these records in the CSB 
system will ensure the accurate description of the records used by the 
Department to carry out student loan-related activities.
    This notice will also add a new programmatic routine use (1)(r) to 
allow the Department to make disclosures to governmental entities at 
the Federal, State, local, or tribal levels regarding the practices of 
Department contractors who have been provided with access to the CSB 
system (e.g., Federal Loan servicers, including not-for-profit 
servicers, the Federal Perkins Loan servicer, and private collection 
agencies) with regards to all aspects of loans and grants made under 
title IV of the HEA in order to permit these entities to verify the 
contractors' compliance with debt collection, financial, and other 
applicable statutory, regulatory, or local requirements, which will 
allow such contractors to continue their work on title IV programs. 
Before making a disclosure to these Federal, State, local, or tribal 
governmental entities, the Department will require them to maintain 
Privacy Act safeguards to protect the security and confidentiality of 
the disclosed records.
    Accessible Format: Individuals with disabilities can obtain this 
document in an accessible format (e.g., braille, large print, 
audiotape, or compact disc) on request to the person listed under FOR 
FURTHER INFORMATION CONTACT.
    Electronic Access to This Document: The official version of this 
document is the document published in the Federal Register. Free 
Internet access to the official edition of the Federal Register and the 
Code of Federal Regulations is available via the Federal Digital System 
at: www.gpo.gov/fdsys. At this site you can view this document, as well 
as all other documents of this Department published in the Federal 
Register, in text or Adobe Portable Document Format (PDF). To use PDF 
you must have Adobe Acrobat Reader, which is available free at the 
site.
    You may also access documents of the Department published in the 
Federal Register by using the article search feature at: 
www.federalregister.gov.
    Specifically, through the advanced search feature at this site, you 
can limit your search to documents published by the Department.

    Dated: August 30, 2016.
James W. Runcie,
Chief Operating Officer, Federal Student Aid.
    For the reasons discussed in the preamble, the Chief Operating 
Officer of Federal Student Aid (FSA), U.S. Department of Education 
(Department), publishes a notice of an altered system of records. The 
following amendment is made to the Notice of Altered and Deleted 
Systems of Records entitled ``Common Services for Borrowers (CSB)'' 
(18-11-16), as last published in the Federal Register on September 12, 
2014 (79 FR 54685-54695):
SYSTEM NUMBER: 18-11-16

SYSTEM NAME:
    Common Services for Borrowers (CSB).

SECURITY CLASSIFICATION:
    None.

SYSTEM LOCATION:
    Maximus Federal Services, Inc., 9651 Hornbaker Road, Manassas, VA 
20109 [Department contractor--Debt Management Collection System (DMCS) 
Data Center].
    U.S. Department of Education, Federal Student Aid, 830 First Street 
NE., Union Center Plaza (UCP), Washington, DC 20202-5132.
    See Appendix II to this notice for the name and location of 
additional

[[Page 60685]]

Department locations as well as those of Department contractors with 
access to this system of records.
    Federal Loan Servicers:
     Great Lakes Educational Loan Services, Inc., 2401 
International Lane, Madison, WI 53704-3121;
     Nelnet Servicing LLC, 1001 Fort Crook Road N., Suite 132, 
Bellevue, NE 68005, 6420 Southpoint Parkway, Jacksonville, FL 32216-
8009 and 3015 South Parker Road, Aurora, CO 80014-2906;
     Pennsylvania Higher Education Assistance Agency (PHEAA), 
1200 North 7th Street, Harrisburg, PA 17102-1419;
    and
     Navient Corporation, 11100 USA Parkway, Fishers, IN 46037-
9203.
    The Department contracts with the aforementioned four Federal Loan 
Servicers group to effectively manage the servicing and processing of 
the large number of Federal Family Education Loan Program loans 
purchased by the Department and as a result of the transition to 100 
percent Direct Loans.
    The Department also contracts with Not-for-Profit (NFP) Servicers, 
which also serve as Federal Loan Servicers to support loan servicing. 
See Appendix II to this notice for the name and location of each NFP 
Servicer with which the Department contracts.
    In addition to the Federal Loan Servicers listed above, the 
Department contracts with Educational Computer Systems, Inc. (ECSI), 
181 Montour Run Road, Coraopolis, PA 15108-9408, to service Federal 
Perkins Loans.
    The Department also contracts with Private Collection Agencies 
(PCAs) to collect delinquent or defaulted loans. See Appendix II to 
this notice for the name and location of each PCA with which the 
Department contracts.
    Other contractors that the Department contracts with to maintain 
this system of records are found in Appendix II to this notice along 
with the name of the system that they support.

CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
    The CSB system contains records on those individuals who received a 
loan or who are otherwise obligated to repay a loan or grant made under 
title IV of the Higher Education Act of 1965, as amended (HEA), held 
and collected by the Department, which was made under: (1) The Federal 
Family Education Loan (FFEL) Program, including Stafford Loans, Federal 
Insured Student Loans (FISL), Supplemental Loans for Students (SLS), 
PLUS Loans (formerly Parental Loans for Undergraduate Students), and 
Consolidation Loans; (2) the William D. Ford Federal Direct Loan 
(Direct Loan) Program, including Federal Direct Unsubsidized and 
Subsidized Stafford/Ford Loans, Federal Direct Consolidation Loans, and 
Federal Direct PLUS Loans; (3) the Federal Perkins Loan Program; (4) 
the Federal Pell Grant Program; (5) the Federal Supplemental Education 
Opportunity Grant (FSEOG) Program; (6) the Leveraging Educational 
Assistance Partnership (LEAP) Program; (7) the Special Leveraging 
Educational Assistance Partnership (SLEAP) Program; (8) Academic 
Competiveness Grant (ACG) Program; (9) National Science and Mathematics 
Access to Retain Talent (SMART) Grant Program; (10) Teach Education 
Assistance for College and Higher Education (TEACH) Grant Program; (11) 
the Iraq and Afghanistan Service Grant Program; (12) the Civil Legal 
Assistance Attorney Student Loan Repayment Program (CLAARP); and (13) 
the Public Service Loan Forgiveness (PSLF) Program.
    This system also contains records on individuals who apply for, but 
do not receive a Direct Loan, as well as individuals identified by the 
borrower or recipient of the Federal title IV, HEA loan or grant as 
references or as household members whose income and expenses are 
considered in connection with the making or the enforcement of the 
grant or loan.

CATEGORIES OF RECORDS IN THE SYSTEM:
    This system of records covers the records in all systems used by 
the Department to carry out activities with regard to making and 
servicing loans, including collecting or otherwise resolving 
obligations owed by an individual under title IV of the HEA. The 
following systems are covered by this system of records notice: DMCS, 
CLAARP system, PSLF system, systems operated by the Federal Loan 
Servicers to accomplish the purpose(s) of this system of records, 
systems operated by the Federal Perkins Loan Program Servicer to 
accomplish the purpose(s) of this system of records, systems operated 
by the PCAs to accomplish the purpose(s) of this system of records, and 
Total and Permanent Disability (TPD) system, as well as paper records 
obtained by the Department from guarantee agencies in the process of 
considering appeals by title IV loan borrowers of guarantee agency 
decisions.
    This system of records contains the employment information, 
educational status, family income, Social Security number (SSN), 
address(es), email address(es), and telephone number(s) of the 
individuals obligated on the debt or whose income and expenses are 
included in a financial statement submitted by the individual. This 
system also contains records including, but not limited to, the 
application for, agreement to repay, and disbursements on the loan, and 
loan guaranty, if any; the repayment history, including deferments and 
forbearances; claims by lenders on the loan guaranty; and cancellation 
or discharges on grounds of qualifying service, bankruptcy discharge, 
disability (including medical records submitted to support application 
for discharge by reason of disability), death, or other statutory or 
regulatory grounds for relief.
    Additionally, for title IV, HEA grant overpayments, the system 
contains records about the amount disbursed, the school that disbursed 
the grant, and the basis for overpayment; for all debts, the system 
contains demographic, employment, and other data on the individuals 
obligated on the debt or provided as references by the obligor, and the 
collection actions taken by any holder, including write-off amounts and 
compromise amounts.

AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
    Titles IV-A, IV-B, IV-D, and IV-E of the HEA.

PURPOSES:
    The information maintained in this system of records is used for 
the following purposes:
    (1) To verify the identity of an individual;
    (2) To determine program eligibility and benefits;
    (3) To facilitate default reduction efforts by program 
participants;
    (4) To enforce the conditions or terms of a loan or grant;
    (5) To make, service, collect, assign, adjust, transfer, refer, or 
discharge a loan or collect a grant obligation;
    (6) To counsel a debtor in repayment efforts;
    (7) To investigate possible fraud or abuse or verify compliance 
with program regulations;
    (8) To locate a delinquent or defaulted borrower or an individual 
obligated to repay a loan or grant;
    (9) To prepare a debt for litigation, provide support services for 
litigation on a debt, litigate a debt, or audit the results of 
litigation on a debt;
    (10) To prepare for, conduct, or enforce a limitation, suspension, 
termination, or debarment action;
    (11) To ensure that program requirements are met by educational and 
financial institutions, Federal Loan Servicers, the Federal Perkins 
Loan Servicer, PCAs, and guaranty agencies;

[[Page 60686]]

    (12) To verify whether a debt qualifies for discharge, 
cancellation, or forgiveness;
    (13) To conduct credit checks or respond to inquiries or disputes 
arising from information on the debt already furnished to a credit-
reporting agency;
    (14) To investigate complaints, update information, or correct 
errors contained in Department records;
    (15) To refund credit balances to the individual or loan holder;
    (16) To allow educational institutions, financial institutions, 
Federal Loan Servicers, the Federal Perkins Loan Servicer, PCAs, and 
guaranty agencies to report information to the Department on all 
aspects of loans and grants made under title IV of the HEA in uniform 
formats to permit the Department directly to compare data submitted to 
the Department by individual educational institutions, financial 
institutions, third-party servicers, guaranty agencies, Federal Loan 
Servicers, the Federal Perkins Loan Servicer, or PCAs; and
    (17) To report to the Internal Revenue Service (IRS) information 
required by law to be reported, including, but not limited to, reports 
required by 26 U.S.C. 6050P and 6050S.

ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES 
OF USERS AND THE PURPOSES OF SUCH USES:
    The Department may disclose information contained in a record in 
this system of records under the routine uses listed in this system of 
records without the consent of the individual if the disclosure is 
compatible with the purposes for which the information in the record 
was collected. These disclosures may be made on a case-by-case basis, 
or, if the Department has complied with the computer matching 
requirements of the Privacy Act of 1974, as amended (Privacy Act), 
under a computer matching agreement. Return information that the 
Department obtains from the IRS (i.e., taxpayer mailing address) per a 
computer matching program (discussed in Appendix I to this notice) 
under the authority of 26 U.S.C. 6103(m)(2) or (m)(4) may be disclosed 
only as authorized by 26 U.S.C. 6103.
    (1) Program Disclosures. The Department may disclose records for 
the following program purposes:
    (a) To verify the identity of the individual whom records indicate 
has applied for or received the loan or grant, disclosures may be made 
to guaranty agencies, educational and financial institutions, and their 
authorized representatives; to Federal, State, or local agencies, and 
their authorized representatives; to private parties, such as 
relatives, business and personal associates, and present and former 
employers; to creditors; to consumer reporting agencies; to 
adjudicative bodies; and to the individual whom the records identify as 
the party obligated to repay the debt;
    (b) To determine program eligibility and benefits, disclosures may 
be made to guaranty agencies, educational and financial institutions, 
and their authorized representatives; to Federal, State, or local 
agencies, and their authorized representatives; to private parties, 
such as relatives, business and personal associates, and present and 
former employers; to creditors; to consumer reporting agencies; and to 
adjudicative bodies;
    (c) To facilitate default reduction efforts by program 
participants, disclosures may be made to guaranty agencies, educational 
and financial institutions, and their authorized representatives; to 
Federal, State, or local agencies, and their authorized 
representatives; to consumer reporting agencies; and to adjudicative 
bodies;
    (d) To enforce the conditions or terms of the loan or grant, 
disclosures may be made to guaranty agencies, educational and financial 
institutions, and their authorized representatives; to Federal, State, 
or local agencies, and their authorized representatives; to private 
parties, such as relatives, business and personal associates, and 
present and former employers; to creditors; to consumer reporting 
agencies; and to adjudicative bodies;
    (e) To permit making, servicing, collecting, assigning, adjusting, 
transferring, referring, or discharging a loan or collecting a grant 
obligation, disclosures may be made to guaranty agencies, educational 
institutions, or financial institutions that made, held, serviced, or 
have been assigned the debt, and their authorized representatives; to a 
party identified by the debtor as willing to advance funds to repay the 
debt; to Federal, State, or local agencies, and their authorized 
representatives; to private parties, such as relatives, business and 
personal associates, and present and former employers; to creditors; to 
consumer reporting agencies; and to adjudicative bodies;
    (f) To counsel a debtor in repayment efforts, disclosures may be 
made to guaranty agencies, educational and financial institutions, and 
their authorized representatives; and to Federal, State, or local 
agencies, and their authorized representatives;
    (g) To investigate possible fraud or abuse or verify compliance 
with program regulations, disclosures may be made to guaranty agencies, 
educational and financial institutions, and their authorized 
representatives; to Federal, State, or local agencies, and their 
authorized representatives; to private parties, such as relatives, 
present and former employers, and business and personal associates; to 
creditors; to consumer reporting agencies; and to adjudicative bodies;
    (h) To locate a delinquent or defaulted borrower, or an individual 
obligated to repay a loan or grant, disclosures may be made to guaranty 
agencies, educational and financial institutions, and their authorized 
representatives; to Federal, State, or local agencies, and their 
authorized representatives; to private parties, such as relatives, 
business and personal associates, and present and former employers; to 
creditors; to consumer reporting agencies; and to adjudicative bodies;
    (i) To prepare a debt for litigation, to provide support services 
for litigation on a debt, to litigate a debt, or to audit the results 
of litigation on a debt, disclosures may be made to guaranty agencies 
and their authorized representatives; to Federal, State, or local 
agencies, and their authorized representatives; and to adjudicative 
bodies;
    (j) To prepare for, conduct, or enforce a limitation, suspension, 
and termination or a debarment action, disclosures may be made to 
guaranty agencies, educational or financial institutions, and their 
authorized representatives; to Federal, State, or local agencies, and 
their authorized representatives; and to adjudicative bodies;
    (k) To ensure that HEA program requirements are met by educational 
and financial institutions, guaranty agencies, Federal Loan Servicers, 
the Federal Perkins Loan Servicer, and PCAs, disclosures may be made to 
guaranty agencies, educational or financial institutions, and their 
authorized representatives, and to auditors engaged to conduct an audit 
of a guaranty agency or an educational or financial institution; to 
Federal, State, or local agencies, their authorized representatives, or 
accrediting agencies; and to adjudicative bodies;
    (l) To verify whether a debt qualifies for discharge, forgiveness, 
or cancellation, disclosures may be made to guaranty agencies, 
educational and financial institutions, and their authorized 
representatives; to Federal, State, or local agencies, and their 
authorized representatives; to private parties, such as relatives, 
present and former employers, and business and

[[Page 60687]]

personal associates; to creditors; to consumer reporting agencies; and 
to adjudicative bodies;
    (m) To conduct credit checks or to respond to inquiries or disputes 
arising from information on the debt already furnished to a credit 
reporting agency, disclosures may be made to credit reporting agencies; 
to guaranty agencies, educational and financial institutions, and their 
authorized representatives; to Federal, State, or local agencies, and 
their authorized representatives; to private parties, such as 
relatives, present and former employers, and business and personal 
associates; to creditors; and to adjudicative bodies;
    (n) To investigate complaints or to update information or correct 
errors contained in Department records, disclosures may be made to 
guaranty agencies, educational and financial institutions, and their 
authorized representatives; to Federal, State, or local agencies, and 
their authorized representatives; to private parties, such as 
relatives, present and former employers, and business and personal 
associates; to creditors; to credit reporting agencies; and to 
adjudicative bodies;
    (o) To refund credit balances that are processed through the 
Department's systems, as well as the U.S. Department of the Treasury's 
(Treasury's) payment applications, to the individual or loan holder, 
disclosures may be made to guaranty agencies, educational and financial 
institutions, and their authorized representatives; to Federal, State, 
or local agencies, and their authorized representatives; to private 
parties, such as relatives, present and former employers, and business 
and personal associates; and to creditors;
    (p) To allow the reporting of information to the Department on all 
aspects of loans and grants made under title IV of the HEA in uniform 
formats and to permit the Department directly to compare data submitted 
to the Department by individual educational institutions, financial 
institutions, third-party servicers, guaranty agencies, Federal Loan 
Servicers, the Federal Perkins Loan Servicer, or PCAs, disclosures may 
be made to educational institutions, financial institutions, guaranty 
agencies, Federal Loan Servicers, the Federal Perkins Loan Servicer, 
and PCAs; and
    (q) To report information required by law to be reported, 
including, but not limited to, reports required by 26 U.S.C. 6050P and 
6050S, disclosures may be made to the IRS.
    (r) To allow the Department to make disclosures to governmental 
entities at the Federal, State, local, or tribal levels regarding the 
practices of Department contractors who have been provided with access 
to the CSB system (e.g., Federal Loan servicers, including not-for-
profit servicers, the Federal Perkins Loan servicer, and private 
collection agencies) with regards to all aspects of loans and grants 
made under title IV of the HEA, in order to permit these governmental 
entities to verify the contractor's compliance with debt collection, 
financial, and other applicable statutory, regulatory, or local 
requirements. Before making a disclosure to these Federal, State, 
local, or tribal governmental entities, the Department will require 
them to maintain Privacy Act safeguards to protect the security and 
confidentiality of the disclosed records.
    (2) Feasibility Study Disclosure. The Department may disclose 
information from this system of records to other Federal agencies, and 
to guaranty agencies and to their authorized representatives, to 
determine whether computer matching programs should be conducted by the 
Department for purposes such as to locate a delinquent or defaulted 
debtor or to verify compliance with program regulations.
    (3) Disclosure for Use by Other Law Enforcement Agencies. The 
Department may disclose information to any Federal, State, local, 
tribal, or foreign agency or other public authority responsible for 
enforcing, investigating, or prosecuting violations of administrative, 
civil, or criminal law or regulation if that information is relevant to 
any enforcement, regulatory, investigative, or prosecutorial 
responsibility within the receiving entity's jurisdiction.
    (4) Enforcement Disclosure. In the event that information in this 
system of records indicates, either alone or in connection with other 
information, a violation or potential violation of any applicable 
statutory, regulatory, or legally binding requirement, the Department 
may disclose the relevant records to an entity charged with the 
responsibility for investigating or enforcing those violations or 
potential violations.
    (5) Litigation and Alternative Dispute Resolution (ADR) Disclosure.
    (a) Introduction. In the event that one of the parties listed below 
is involved in judicial or administrative litigation or ADR, or has an 
interest in such litigation or ADR, the Department may disclose certain 
records to the parties described in paragraphs (b), (c), and (d) of 
this routine use under the conditions specified in those paragraphs:
    (i) The Department or any of its components;
    (ii) Any Department employee in his or her official capacity;
    (iii) Any Department employee in his or her individual capacity 
where the Department of Justice (DOJ) has been requested to or agrees 
to provide or arrange for representation for the employee;
    (iv) Any Department employee in his or her individual capacity 
where the Department has agreed to represent the employee; and
    (v) The United States, where the Department determines that the 
litigation is likely to affect the Department or any of its components.
    (b) Disclosure to the DOJ. If the Department determines that 
disclosure of certain records to the DOJ is relevant and necessary to 
the judicial or administrative litigation or ADR, the Department may 
disclose those records as a routine use to the DOJ.
    (c) Adjudicative Disclosure. If the Department determines that 
disclosure of certain records to an adjudicative body before which the 
Department is authorized to appear or to an individual or an entity 
designated by the Department or otherwise empowered to resolve or 
mediate disputes is relevant and necessary to the judicial or 
administrative litigation or ADR, the Department may disclose those 
records as a routine use to the adjudicative body, individual, or 
entity.
    (d) Parties, Counsel, Representatives, and Witnesses. If the 
Department determines that disclosure of certain records to a party, 
counsel, representative, or witness is relevant and necessary to the 
judicial or administrative litigation or ADR, the Department may 
disclose those records as a routine use to the party, counsel, 
representative, or witness.
    (6) Employment, Benefit, and Contracting Disclosure.
    (a) For Decisions by the Department. The Department may disclose a 
record to a Federal, State, or local agency maintaining civil, 
criminal, or other relevant enforcement or other pertinent records, or 
to another public authority or professional organization, if necessary 
to obtain information relevant to a Department decision concerning the 
hiring or retention of an employee or other personnel action, the 
issuance of a security clearance, the letting of a contract, or the 
issuance of a license, grant, or other benefit.
    (b) For Decisions by Other Public Agencies and Professional 
Organizations. The Department may disclose a record to a Federal, 
State, local, or other public authority or professional organization, 
in connection with the hiring or retention of an

[[Page 60688]]

employee or other personnel action, the issuance of a security 
clearance, the reporting of an investigation of an employee, the 
letting of a contract, or the issuance of a license, grant, or other 
benefit, to the extent that the record is relevant and necessary to the 
receiving entity's decision on the matter.
    (7) Employee Grievance, Complaint, or Conduct Disclosure. If a 
record is relevant and necessary to an employee grievance, complaint, 
or disciplinary action, the Department may disclose the record in this 
system of records in the course of investigation, fact-finding, or 
adjudication to any witness, designated fact-finder, mediator, or other 
person designated to resolve issues or decide the matter.
    (8) Labor Organization Disclosure. The Department may disclose a 
record from this system of records to an arbitrator to resolve disputes 
under a negotiated grievance procedure or to officials of a labor 
organization recognized under 5 U.S.C. chapter 71 when relevant and 
necessary to their duties of exclusive representation.
    (9) Freedom of Information Act (FOIA) and Privacy Act Advice 
Disclosure. The Department may disclose records to the DOJ or to the 
Office of Management and Budget (OMB) if the Department determines that 
disclosure is desirable or necessary in determining whether particular 
records are required to be disclosed under the FOIA or the Privacy Act.
    (10) Disclosure to the DOJ. The Department may disclose records to 
the DOJ, or the authorized representative of DOJ, to the extent 
necessary for obtaining DOJ advice on any matter relevant to an audit, 
inspection, or other inquiry related to the programs covered by this 
system.
    (11) Contracting Disclosure. If the Department contracts with an 
entity for the purposes of performing any function that requires 
disclosure of records in this system to employees of the contractor, 
the Department may disclose the records to those employees. Before 
entering into such a contract, the Department shall require the 
contractor to maintain Privacy Act safeguards as required under 5 
U.S.C. 552a(m) of the Privacy Act with respect to the records in the 
system.
    (12) Research Disclosure. The Department may disclose records to a 
researcher if the Department determines that the individual or 
organization to which the disclosure would be made is qualified to 
carry out specific research related to functions or purposes of this 
system of records. The Department may disclose records from this system 
of records to that researcher solely for the purpose of carrying out 
that research related to the functions or purposes of this system of 
records. The researcher shall be required to maintain Privacy Act 
safeguards with respect to the disclosed records.
    (13) Congressional Member Disclosure. The Department may disclose 
the records of an individual to a Member of Congress in response to an 
inquiry from the Member made at the written request of that individual 
whose records are being disclosed. The Member's right to the 
information is no greater than the right of the individual who 
requested the inquiry.
    (14) Disclosure to OMB for Credit Reform Act (CRA) Support. The 
Department may disclose records to OMB as necessary to fulfill CRA 
requirements. These requirements currently include transfer of data on 
lender interest benefits and special allowance payments, defaulted loan 
balances, and supplemental pre-claims assistance payments information.
    (15) Disclosure in the Course of Responding to a Breach of Data. 
The Department may disclose records to appropriate agencies, entities, 
and persons when (a) the Department suspects or has confirmed that the 
security or confidentiality of information in a system covered by this 
system of records notice has been compromised; (b) the Department 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 system or programs (whether maintained by the Department 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 Department's 
efforts to respond to the suspected or confirmed compromise and 
prevent, minimize, or remedy such harm.
    (16) Disclosure to Third Parties through Computer Matching 
Programs. Unless otherwise prohibited by other laws, any information 
from this system of records, including personal information obtained 
from other agencies through computer matching programs, may be 
disclosed to any third party through a computer matching program, which 
is conducted under a Computer Matching Agreement between the Department 
and the third party, and requires that the matching be conducted in 
compliance with the requirements of the Privacy Act. Purposes of these 
disclosures may be: (a) To establish or verify program eligibility and 
benefits, (b) to establish or verify compliance with program 
regulations or statutory requirements, such as to investigate possible 
fraud or abuse; and (c) to recoup payments or delinquent debts under 
any Federal benefit programs, such as to locate or take legal action 
against a delinquent or defaulted debtor. Appendix I to this notice 
includes a listing of the computer matching programs that the 
Department currently engages in or has recently engaged in with respect 
to this system of records.
    (17) Disclosure of Information to Treasury. The Department may 
disclose records of this system to (a) a Federal or State agency, its 
employees, agents (including contractors of its agents), or 
contractors, or (b) a fiscal or financial agent designated by the 
Treasury, including employees, agents, or contractors of such agent, 
for the purpose of identifying, preventing, or recouping improper 
payments to an applicant for, or recipient of, Federal funds, including 
funds disbursed by a State in a State-administered, Federally funded 
program; and disclosure may be made to conduct computerized comparisons 
for this purpose.

DISCLOSURE TO CONSUMER REPORTING AGENCIES:
    Disclosure pursuant to 5 U.S.C. 552a(b)(12): The Department may 
disclose to a consumer reporting agency information regarding a valid 
overdue claim of the Department; such information is limited to: (1) 
The name, address, taxpayer identification number, and other 
information necessary to establish the identity of the individual 
responsible for the claim; (2) the amount, status, and history of the 
claim; and (3) the program under which the claim arose. The Department 
may disclose the information specified in this paragraph under 5 U.S.C. 
552a(b)(12) and the procedures contained in 31 U.S.C. 3711(e). A 
consumer reporting agency to which these disclosures may be made is 
defined in 15 U.S.C. 1681a(f) and 31 U.S.C. 3701(a)(3).

POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING, 
AND DISPOSING OF RECORDS IN THE SYSTEM:
STORAGE:
    The records are maintained in hardcopy, microfilm, magnetic 
storage, and optical storage media, such as tape, disk, etc.

RETRIEVABILITY:
    Records in this system pertaining to a title IV, HEA loan borrower 
or grant recipient are retrieved by a single data element or a 
combination of the

[[Page 60689]]

following data elements to include the SSN, name, address, randomly 
generated number, debt number, phone number, debt type reference, debt 
type extension debt number, commercial name, commercial contact name, 
legacy ID, driver's license number, American Bankers Association (ABA) 
routing number, bankruptcy docket number, debt placement date, debt 
user defined page (UDP), email address, last worked date, payment 
additional extension reference ID, payment extension reference ID, tag 
short name, total balance, credit bureau legacy ID, debt type group 
short name, debt type short name, department name, institution account 
number, judgment docket number, license-issuing State, next scheduled 
payment amount, next scheduled payment date, office name, original debt 
type name, PCA group short name, and PCA short name.

SAFEGUARDS:
    All physical access to the Department's site, and to the sites of 
the Federal Loan Servicers, PCAs, the Federal Perkins Loan Servicer, 
and other contractors listed in Appendix II to this notice, where this 
system of records is maintained, is controlled and monitored by 
security personnel who check each individual entering the building for 
his or her employee or visitor badge.
    In accordance with the Department's Administrative Communications 
System Directive OM: 5-101 entitled ``Contractor Employee Personnel 
Security Screenings,'' all contract and Department personnel who have 
facility access and system access are required to undergo a security 
clearance investigation. Individuals requiring access to Privacy Act 
data are required to hold, at a minimum, a moderate-risk security 
clearance level. These individuals are required to undergo periodic 
screening at five-year intervals.
    In addition to conducting security clearances, contract and 
Department employees are required to complete security awareness 
training on an annual basis. Annual security awareness training is 
required to ensure that contract and Department users are appropriately 
trained in safeguarding Privacy Act data in accordance with OMB 
Circular No. A-130, Appendix III.
    The computer system employed by the Department offers a high degree 
of resistance to tampering and circumvention. This security system 
limits data access to Department and contract staff on a ``need-to-
know'' basis, and controls individual users' ability to access and 
alter records within the system. All users of this system of records 
are given a unique user identification and password. The Department's 
FSA Information Security and Privacy Policy requires the enforcement of 
a complex password policy. In addition to the enforcement of a complex 
password policy, users are required to change their password at least 
every 60 to 90 days in accordance with the Department's Information 
Technology standards.
    At the system locations of the Federal Loan Servicers, PCAs, the 
Federal Perkins Loan Servicer, and other contractors, as listed in 
Appendix II entitled ``Additional System Locations,'' additional 
physical security measures are in place and access is monitored 24 
hours per day, 7 days a week.

RETENTION AND DISPOSAL:
    In accordance with the Department's record retention and 
disposition schedule, records for Pell Grant Program awards are 
retained for fifteen years after final payment or audit, whichever is 
sooner, and thereafter destroyed. Insured loans are retained for three 
years after repayment or cancellation of the loan and thereafter 
destroyed. The Department will work with the National Archives and 
Records Administration to develop a disposition schedule for the other 
records in this system of records. The records will be maintained until 
such a schedule has been established.

SYSTEM MANAGER AND ADDRESS:
    Sue O'Flaherty, Director, Program Management Services, Business 
Operations, Federal Student Aid, U.S. Department of Education, 830 
First Street NE., Room 64E1, UCP, Washington, DC 20202-5132.

NOTIFICATION PROCEDURE:
    If you wish to determine whether a record exists regarding you in 
this system of records, provide the system manager with your name, date 
of birth, and SSN. Requests must meet the requirements of the 
regulations in 34 CFR 5b.5 and 5b.7, including proof of identity.

RECORD ACCESS PROCEDURES:
    If you wish to gain access to a record in this system, provide the 
system manager with your name, date of birth, and SSN. Requests by an 
individual for access to a record must meet the requirements of the 
regulations in 34 CFR 5b.5, including proof of identity.

CONTESTING RECORD PROCEDURE:
    If you wish to contest the content of a record in this system of 
records, contact the system manager with your name, date of birth, and 
SSN; identify the specific items to be changed; and provide a written 
justification for the change. Requests to amend a record must meet the 
requirements of the regulations in 34 CFR 5b.7.

RECORD SOURCE CATEGORIES:
    The system includes information that the Department obtains from 
applicants and those individuals and their families who received, or 
who are otherwise obligated to repay, a loan or grant held and 
collected by the Department. The Department also obtains information 
from Federal Loan Servicers, PCAs, the Federal Perkins Loan Servicer, 
references, guaranty agencies, educational and financial institutions 
and their authorized representatives, and Federal, State, and local 
agencies and their authorized representatives; private parties, such as 
relatives and business and personal associates; present and former 
employers; creditors; consumer reporting agencies; and adjudicative 
bodies.

EXEMPTIONS CLAIMED FOR THE SYSTEM:
    None.
APPENDIX I TO 18-11-16

COMPUTER MATCHING PROGRAMS IN WHICH THE DEPARTMENT CURRENTLY ENGAGES OR 
HAS RECENTLY ENGAGED WITH RESPECT TO THIS SYSTEM:
    (1) The Department is performing, or has recently engaged in, 
computer matching programs involving a computerized comparison between 
this system of records and systems of records maintained by the 
following Federal agencies:
    (a) The U.S. Department of the Treasury, IRS [matching notice last 
published on May 31, 2012 (77 FR 32085-32086)], as authorized under 
section 6103(m)(2) and (m)(4) of the Internal Revenue Code (26 U.S.C. 
6103(m)(2) and (m)(4)), to obtain taxpayer mailing addresses for use in 
locating individuals to collect or compromise Federal claims, in 
accordance with 31 U.S.C. 3711, 3717, and 3718, and in locating 
individuals who received overpayments of grants made under subpart 1 of 
part A of title IV of the HEA or who defaulted on loans made under part 
B, D, or E of title IV of the HEA;
    (b) The Department of Housing and Urban Development's Credit Alert 
Interactive Voice Response System (CAIVRS) [matching notice last 
published on July 5, 2011 (76 FR 39119-39120)] to allow program 
agencies to prescreen applicants for loans made or loans guaranteed by 
the Federal government to determine if the applicant is delinquent or 
has defaulted

[[Page 60690]]

on a debt owed to, or insured by, the Federal government; and
    (c) The Department of Health and Human Services' National Directory 
of New Hires Data Base (NDNH) [matching notice last published on May 9, 
2006 (71 FR 26934-26935)], as authorized under Section 453(j)(6) of the 
Social Security Act (42 U.S.C. 653(j)(6)), to obtain employment-related 
and address information on individuals who have defaulted on a loan 
made under title IV of the HEA or have an obligation to refund a grant 
overpayment awarded under title IV of the HEA.
    These computer matching programs are conducted in compliance with 
the requirements of the Privacy Act, including publishing in the 
Federal Register a notice describing the new or altered matching 
program and the entry into a Computer Matching Agreement between the 
Department and the Federal agencies listed above, which are approved by 
the Data Integrity Boards of the Department and the Federal agency with 
which the Department conducts the computer matching program.
APPENDIX II TO 18-11-16

ADDITIONAL SYSTEM LOCATIONS

The Department and its Contractors:
    U.S. Department of Education, 50 Beale Street, San Francisco, CA 
94105.
    U.S. Department of Education, 500 West Madison Street, Chicago, IL 
60661.
    U.S. Department of Education, 61 Forsyth Street, Atlanta, GA 30303.
    Nelnet Servicing LLC, 1001 Fort Crook Road N., Suite 132, Bellevue, 
NE 68005 (Department contractor--TPD).
    PHEAA [FedLoan Servicing (FedLoan) & American Education Services 
(AES)], 1200 North 7th Street, Harrisburg, PA 17102-1419 (FedLoan: 
Department contractor--TEACH Grant; AES: Department contractor--FFEL 
Program).

Maximus Federal Services, Inc.:
    Maximus Federal Services, Inc., 5202 Presidents Court, Frederick, 
MD 21703 (Department contractor--DMCS Program Management and Help 
Desk).
    Maximus Federal Services, Inc., 1891 Metro Center Drive, Reston, VA 
20190 (Department contractor--Help Desk Application).
    Maximus Federal Services, Inc., 11400 Westmoor Circle, Westminster, 
CO 80021 (Department contractor--DMCS Disaster Recovery Site).
    Maximus Federal Services, Inc., 501 Bleecker Street, Utica, NY 
13501 (Department contractor--DMCS Business and Financial Operations 
Management).
    Maximus Federal Services, Inc., 6201 I-30, Greenville, TX 75403 
(Department contractor--DMCS Financial Processing).
    MPM Communications, 3480 Catterton Place, Suite 102, Waldorf, MD 
20602 (sub-contractor--Fulfillment Services for DMCS mailings).

Call Centers:
    General Dynamics Information Technology, 2400 Oakdale Boulevard, 
Coralville, IA 52241 (Department contractor--DMCS).
    General Dynamics Information Technology, 1 Imeson Park Boulevard, 
Jacksonville, FL 32218 (Department contractor--DMCS).

Not-For-Profit (NFP) Servicers:
     Missouri Higher Education Loan Authority (MOHELA): 633 
Spirit Drive, Chesterfield, MO 63005; 400 East Walnut Street, Columbia, 
MO 65201; 1001 N. 6th Street, Harrisburg, PA 17102; 300 Long Meadow 
Road, Sterling Forest, NY 10979.
     Education Servicers of America, Inc. (ESA)/Edfinancial: 
298 N. Seven Oaks Drive, Knoxville, TN 37922; 120 N. Seven Oaks Drive, 
Knoxville, TN 37922; 5600 United Drive, Smyrna, GA 30082; 1001 Fort 
Crook Road N., Suite 132, Bellevue, NE 68005-4247; 700 East 54th Street 
North, Suite 200, Sioux Falls, SD 57104; 13271 North Promenade 
Boulevard, Stafford, TX 77477-3957; 2307 Directors Row, Indianapolis, 
IN 46241.
     Utah Higher Education Assistance Authority (UHEAA)/
Cornerstone Education Loan Services: 60 S. 400 W., Board Of Regents' 
Building, Gateway Two, Salt Lake City, UT 84101-1284; 350 S. 900 W., 
Richfield, UT 84701; 6279 East Little Cottonwood Road, Sandy, UT 84092; 
1001 N. 6th Street, Harrisburg, PA 17102.
     Oklahoma Student Loan Authority (OSLA): 525 Central Park 
Drive, Suite 600, Oklahoma City, OK 73154; 7499 East Paradise Lane 
Suite 108, Scottsdale, AZ 85260; 11300 Partnership Drive #C, Oklahoma 
City, OK 73013; 1001 Fort Crook Road N., Suite 132, Bellevue, NE 68005; 
700 East 54th Street North, Suite 200, Sioux Falls, SD 57104; 13100 
North Promenade Boulevard, Stafford, TX 77477; 1601 Leavenworth Street, 
Omaha, NE 68102.
     Vermont Student Assistance Corporation (VSAC): 10 East 
Allen Street, Winooski, VT 05404; 1001 Fort Crook Road N., Suite 132, 
Bellevue, NE 68005-4247; 700 East 54th Street North, Suite 200, Sioux 
Falls, SD 57104.
     ISL Service Corporation/Aspire Resources Inc.: 6775 Vista 
Drive, West Des Moines, IA 50266; 6955 Vista Drive, West Des Moines, IA 
50266; 3096 104th Street, Urbandale, IA 50322; 1870 East Euclid Avenue, 
Des Moines, IA 50313; 1435 Northridge Cr., NE., Altoona, IA 50009; 1001 
N. 6th Street, Harrisburg, PA 17102; 300 Long Meadow Road, Sterling 
Forest, NY 10979.
     New Hampshire Higher Education Loan Corporation (NHHELCO)/
Granite State Management & Resources (GSM&R): 3 and 4 Barrell Court, 
Concord, NH 03301; 401 N. Broad Street, Suite 600, Philadelphia, PA 
19108; 21 Terry Avenue, Burlington, MA 01803; 1001 Fort Crook Road N., 
Suite 132, Bellevue, NE 68005-4247; 700 East 54th Street North, Suite 
200, Sioux Falls, SD 57104; 13100 North Promenade Boulevard, Stafford, 
TX 77477; 1601 Leavenworth Street, Omaha, NE., 68102.
     South Carolina Student Loan Corporation: 16 Berryhill 
Road, Ste. 121, Columbia, SC 29210; 401 North Broad Street, 
Philadelphia, PA 19108; 2400 Reynolda Road, Winston-Salem, NC 27106.
     Tru Student, Inc.: 2500 Broadway, Helena, MT 59601; 680 E. 
Swedesford Road, Wayne, PA 19087; 1424 National Avenue, Helena, MT 
59601; 1700 National Avenue, Helena, MT 59601; 1001 N. 6th Street, 
Harrisburg, PA 17102; 300 Long Meadow Road, Sterling Forest, NY 10979.
     Kentucky Higher Education Student Loan Corporation 
(KHESLC): 10180 Linn Station Road, Louisville, KY 40223; 2400 Reynolda 
Road, Winston-Salem NC 27106; 6825 Pine Street, Omaha, NE 68106; 1001 
Fort Crook Road N., Suite 132, Bellevue, NE 68005-4247.
     College Foundation, Inc.: 2917 Highwoods Boulevard, 
Raleigh, NC 27604; 3120 Poplarwood Court, Raleigh, NC 27604; 924 Ellis 
Road, Durham, NC 27703; 2400 Reynolda Road, Winston-Salem, NC 27106.
     Council for South Texas Economic Progress (COSTEP): 2540 
W. Trenton Road, Edinburg, TX 78539; 1044 Liberty Park Drive, Austin, 
TX 78746; 2400 Reynolda Road, Winston-Salem, NC 27106.
     Georgia Student Finance Authority: 2082 East Exchange 
Place, Tucker, Georgia 30084; 401 North Broad Street, Philadelphia, PA 
19130; 5600 United Drive, Smyrna, GA 30082; 2400 Reynolda Road, 
Winston-Salem, NC 27106.
     New Mexico Educational Assistance Foundation: 7400 Tiburon 
NE., Albuquerque, NM 87109; 123 Central Ave NW., Albuquerque, NM 87102; 
1200 North Seventh Street, Harrisburg, PA 17102-1444; 300 Long Meadow 
Lane, Sterling Forest, NY 10979.

[[Page 60691]]

     Connecticut (Campus Partners): 2400 Reynolda Road, 
Winston-Salem, NC 27106; 8906 Two Notch Road, Columbia, SC 29223; 10180 
Linn Station Road, Suite C200, Louisville, KY 40223; 2917 Highwoods 
Boulevard, Raleigh, NC 27629; 1001 Fort Crook Road North, Suite 132, 
Bellevue, NE 68005; 11425 South 84th Street, Papillion, NE 68046; 20441 
Century Boulevard, Germantown, MD 20874; 400 Perimeter Park Drive, 
Morrisville, NC 27560; 1600 Malone Street, Millville, NJ 08332; 123 
Wyoming Avenue, Scranton, PA 18503.

Private Collection Agencies (PCAs):
     Collecto, Inc. Dba EOS CCA: 700 Longwater Drive, Norwell, 
MA 02061.
     GC Services: 4326 N. Broadway Northgate Plaza, Knoxville, 
TN 37917.
     Allied Interstate: 335 Madison Avenue, 27th floor, New 
York, NY 10017.
     The CBE Group, Inc.: 1309 Technology Parkway, Cedar Falls 
IA 50613.
     Diversified Collection Service (DCS): 333 North Canyons 
Parkway, Suite 100, Livermore, California 94551.
     Financial Asset Management Systems, Inc. (FAMS): 1967 
Lakeside Parkway, Suite 402, Tucker, GA 30084.
     NCO Financial Systems, Inc.: 507 Prudential Road, Horsham, 
PA 19044.
     Pioneer Credit Recovery, Inc.: 26 Edward Street, Arcade, 
NY 14009.
     Account Control Technology, Inc.: 6918 Owensmouth Avenue, 
Canoga Park, CA 91303.
     Van Ru Credit Corporation: 1350 E. Touhy Avenue, Suite 
300E, Des Plaines, IL 60018.
     Progressive Financial Services: 1510 Chester Pike Suite 
250, Eddystone, PA 19022.
     West Asset Management Enterprises, Inc.: 2221 New Market 
Parkway, Suite 120, Marietta, GA 30067.
     Premiere Credit of North America: 2002 Wellesley 
Boulevard, Suite 100, Indianapolis, IN 46219.
     ConServe: 200 CrossKeys Office Park, Fairport, NY 14450.
     Financial Management Systems (FMS): 1000 E. Woodfield 
Road, Suite 102, Schaumburg, IL 60173-4728.
     Collection Technology, Inc.: 1200 Corporate Center Drive, 
Suite 325, Monterey Park, CA 91754.
     Enterprise Recovery Systems, Inc. (ERS): 2400 S. Wolf 
Road, Suite 200, Westchester, IL 60154.
     Windham Professionals, Inc.: 380 Main Street, Salem, NH 
03079.
     Delta Management Associates, Inc.: 100 Everett Avenue 
Suite 6, Chelsea, MA 02150.
     Immediate Credit Recovery, Inc.: 169 Myers Corners Road 
Suite 110, Wappingers Falls, NY 12590.
     National Recoveries: 14735 Hwy. 65, Ham Lake, MN 55403.
     Coast Professional, Inc.: 214 Expo Circle, West Monroe, LA 
71292.

[FR Doc. 2016-21218 Filed 9-1-16; 8:45 am]
 BILLING CODE 4000-01-P