Privacy Act of 1974; System of Records, 3649-3652 [2020-00140]

Download as PDF Federal Register / Vol. 85, No. 14 / Wednesday, January 22, 2020 / Notices Atlantic Mackerel, Squid, and Butterfish TABLE 1—STANDARD EX-VESSEL PRICES BY SPECIES FOR THE 2019 (MSB) Advisory Panel will hold two ROCKFISH PROGRAM SEASON IN KO- meetings. DATES: The meetings will be held on DIAK, ALASKA—Continued Species Period ending Pacific ocean perch .. Rougheye rockfish ... Sablefish ................... Shortraker rockfish ... Thornyhead rockfish Standard ex-vessel price per pound November 30 May 31 .......... June 30 ......... July 31 .......... August 31 ..... September 30 October 31 .... November 30 May 31 .......... June 30 ......... July 31 .......... August 31 ..... September 30 October 31 .... November 30 May 31 .......... June 30 ......... July 31 .......... August 31 ..... September 30 October 31 .... November 30 May 31 .......... June 30 ......... July 31 .......... August 31 ..... September 30 October 31 .... November 30 May 31 .......... June 30 ......... July 31 .......... August 31 ..... September 30 October 31 .... November 30 0.45 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.18 0.20 0.20 0.20 0.20 0.20 0.20 1.27 1.02 1.21 1.21 1.21 1.40 1.18 0.22 0.22 0.22 0.22 0.22 0.23 0.22 0.57 0.20 0.42 0.42 0.42 0.42 0.42 * The pelagic shelf rockfish species group has been changed to ‘‘dusky rockfish.’’ Authority: 16 U.S.C. 773 et seq.; 1801 et seq.; 3631 et seq.; Pub. L. 108–447; Pub. L. 111–281. Dated: January 16, 2020. Karyl K. Brewster-Geisz, Acting Director, Office of Sustainable Fisheries, National Marine Fisheries Service. [FR Doc. 2020–00949 Filed 1–21–20; 8:45 am] BILLING CODE 3510–22–P Tuesday, February 4, 2020 and Tuesday February 18, 2020. Both will begin at 3 p.m. and conclude by 5 p.m. For agenda details, see SUPPLEMENTARY INFORMATION. ADDRESSES: The meeting will be held via webinar with a telephone-only audio connection: http:// mafmc.adobeconnect.com/illex-wg/. Telephone instructions are provided upon connecting, or the public can call direct: 800–832–0736, Rm: *7833942#. Council address: Mid-Atlantic Fishery Management Council, 800 N State Street, Suite 201, Dover, DE 19901; telephone: (302) 674–2331 or on their website at www.mafmc.org. FOR FURTHER INFORMATION CONTACT: Christopher M. Moore, Ph.D., Executive Director, Mid-Atlantic Fishery Management Council, telephone: (302) 526–5255. SUPPLEMENTARY INFORMATION: The purpose of the meeting is to gather Advisory Panel input on analysis related to possible changes to the Illex squid quota. An agenda and background documents will be posted at the Council’s website (www.mafmc.org) prior to the meeting. Special Accommodations These meetings are physically accessible to people with disabilities. Requests for sign language interpretation or other auxiliary aid should be directed to M. Jan Saunders, (302) 526–5251, at least 5 days prior to any meeting date. Authority: 16 U.S.C. 1801 et seq. Dated: January 16, 2020. Tracey L. Thompson, Acting Deputy Director, Office of Sustainable Fisheries, National Marine Fisheries Service. [FR Doc. 2020–00984 Filed 1–21–20; 8:45 am] BILLING CODE 3510–22–P khammond on DSKJM1Z7X2PROD with NOTICES DEPARTMENT OF COMMERCE National Oceanic and Atmospheric Administration BUREAU OF CONSUMER FINANCIAL PROTECTION [RTID 0648–XA019] [Docket No: CFPB–2020–0002] Mid-Atlantic Fishery Management Council (MAFMC); Public Meeting Privacy Act of 1974; System of Records National Marine Fisheries Service (NMFS), National Oceanic and Atmospheric Administration (NOAA), Commerce. ACTION: Notice; public meeting. AGENCY: AGENCY: The Mid-Atlantic Fishery Management Council’s (Council) SUMMARY: VerDate Sep<11>2014 16:42 Jan 21, 2020 Jkt 250001 Bureau of Consumer Financial Protection. ACTION: Notice of a modified System of Records. In accordance with the Privacy Act of 1974, as amended, the Bureau of Consumer Financial SUMMARY: PO 00000 Frm 00046 Fmt 4703 Sfmt 4703 3649 Protection, hereinto referred to as the Consumer Financial Protection Bureau (Bureau), gives notice of the modification of a Privacy Act System of Records. The information in the system will enable the Bureau to carry out its responsibilities with respect to banks, savings associations, credit unions, and their affiliates and service providers, including the coordination and conduct of examinations, supervisory evaluations and analyses, enforcement actions, actions in Federal court, and coordination with other financial regulatory agencies. The Bureau is modifying the system of records in order to update descriptions of the system location; the system manager; the address whereby a member of the public can request access to records, contest records, or request notification whether a system contains a record pertaining to him or her; and the policies and practices for retention and disposal of records. DATES: Comments must be received no later than February 21, 2020. The modified system of records will be effective January 22, 2020, unless the comments received result in a contrary determination. ADDRESSES: You may submit comments, identified by the title and the docket number (see above), by any of the following methods: • Electronic: http:// www.regulations.gov: Follow the instructions for soliciting comments. • Email: privacy@cfpb.gov. • Mail/Hand Delivery/Courier: Tannaz Haddadi, Acting Chief Privacy Officer, Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. All submissions must include the agency name and docket number for this notice. In general, all comments received will be posted without change to http://www.regulations.gov. In addition, 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– 7058. 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: Tannaz Haddadi, Acting Chief Privacy Officer, at (202) 435–7058. If you require this document in an alternative electronic format, please contact E:\FR\FM\22JAN1.SGM 22JAN1 3650 Federal Register / Vol. 85, No. 14 / Wednesday, January 22, 2020 / Notices CFPB_Accessibility@cfpb.gov. Please do not submit comments to these email boxes. SYSTEM NAME AND NUMBER: The DoddFrank Wall Street Reform and Consumer Protection Act, Public Law 111–203, title X, established the CFPB. The CFPB will maintain the records covered by this notice. The modified system of records described in this notice, ‘‘CFPB.002—Depository Institution Supervision Database,’’ will collect information to enable the Bureau to carry out its responsibilities with respect to banks, savings associations, credit unions, and their affiliates and service providers, including the coordination and conduct of examinations, supervisory evaluations and analyses, enforcement actions, actions in Federal court, and coordination with other financial regulatory agencies. This modified system of records updates the description of the system location, the address of the system manager, the address whereby members of the public can notify the Bureau to request access to or amend records about themselves, record access, contesting record and notification procedures, and the policies and practices for retention and disposal of records. The updated sections reflect the Bureau’s new address: Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552, and the updated records schedule. Records in this system will be destroyed 7 years after cutoff. In addition, the Bureau is making non-substantive revisions to the system of records notice to align with the Office of Management and Budget’s recommended model in Circular A–108, appendix II. The report of a modified system of records has been submitted to the Committee on Oversight and 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 OMB Circular A–108, ‘‘Federal Agency Responsibilities for Review, Reporting, and Publication under the Privacy Act’’ (December 23, 2016),1 and the Privacy Act, 5 U.S.C. 552a(r). The system of records entitled ‘‘CFPB.002—Depository Institution Supervision Database’’ is published in its entirety below. SECURITY CLASSIFICATION: khammond on DSKJM1Z7X2PROD with NOTICES SUPPLEMENTARY INFORMATION: 1 Although pursuant to section 1017(a)(4)(E) of the Consumer Financial Protection Act, Public Law 111–203, the Bureau is not required to comply with OMB-issued guidance, it voluntarily follows OMB privacy-related guidance as a best practice and to facilitate cooperation and collaboration with other agencies. VerDate Sep<11>2014 16:42 Jan 21, 2020 Jkt 250001 CFPB.002—Depository Institution Supervision Database. This information system does not contain any classified information or data. SYSTEM LOCATION: Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. SYSTEM MANAGER(S): Assistant Director of Large Bank Supervision, Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552; (202) 435–7923. AUTHORITY FOR MAINTENANCE OF THE SYSTEM: Public Law 111–203, title X, sections 1011, 1012, 1021, 1025, codified at 12 U.S.C. 5491, 5492, 5511, 5515. PURPOSE(S) OF THE SYSTEM: The information in the system is being collected to enable the Bureau to carry out its responsibilities with respect to banks, savings associations, credit unions, and their affiliates and service providers, including the coordination and conduct of examinations, supervisory evaluations and analyses, enforcement actions, actions in Federal court, and coordination with other financial regulatory agencies. The information collected in this system will also support the conduct of investigations or be used as evidence by the Bureau or other supervisory or law enforcement agencies. This may result in criminal referrals, referral to the Federal Reserve Office of Inspector General, or the initiation of administrative or Federal court actions. This system will track and store examination and inspection documents created during the performance of the Bureau’s statutory duties. This system also will enable the Bureau to monitor and coordinate regular examinations and required reports, supervisory evaluations and analyses, and enforcement actions internally and with other Federal and State regulators. The information will also be used for administrative purposes to ensure quality control, performance, and improving management processes. CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM: Individuals covered by this system are: (1) Individuals who themselves are, and current and former directors, officers, employees, agents, shareholders, and independent contractors of banks, savings associations, or credit unions; (2) PO 00000 Frm 00047 Fmt 4703 Sfmt 4703 Current and former consumers who are or have been in the past serviced by banks, savings associations, or credit unions subject to the supervision of the Bureau; and (3) Bureau employees assigned to supervise banks, savings associations, or credit unions. Information collected regarding consumer products and services is subject to the Privacy Act only to the extent that it concerns individuals; information pertaining to corporations and other business entities is not subject to the Privacy Act. CATEGORIES OF RECORDS IN THE SYSTEM: Records in the system may contain information provided by a supervised institution, by individuals who are or have been serviced by a supervised institution, or other government authorities, to the Bureau in the exercise of Bureau’s responsibilities and used to assess an institution’s compliance with various statutory and regulatory obligations. This may include: (1) Personally identifiable information from customers of banks, savings associations, or credit unions, including without limitation, name, account numbers, address, phone number, email address, and date of birth; (2) contact information of officials of institutions such as members of the Board of Directors, Audit Committee Chair, Chief Executive Officer, Chief Compliance Officer, Internal Auditor, and Independent Auditor including, without limitation, name, address, phone number, and email address; (3) information about Bureau employees assigned to depository institution supervision tasks, including, without limitation, name, phone number, email address, address, and other employment information; and (4) Confidential Supervision Information or Personal Information, including information relating to individuals that is derived from Confidential Supervisory Information or from consumer complaints. This information may include, without limitation, reports of examinations and associated documentation regarding compliance with consumer financial protection laws; documents assessing the current and past safety and soundness/risk management of a covered person or service provider; reports of consumer complaints; and correspondence relating to any category of information discussed above and actions taken to remedy deficiencies in these areas. Information contained in the Depository Institution Supervision Database is collected from a variety of source, including, without limitation: (1) The individuals who own, control, or work E:\FR\FM\22JAN1.SGM 22JAN1 Federal Register / Vol. 85, No. 14 / Wednesday, January 22, 2020 / Notices for covered persons or service providers; (2) existing databases maintained by other Federal and state regulatory associations, law enforcement agencies, and related entities; (3) third parties with relevant information about covered persons or service providers; and (4) information generated by Bureau employees or about Bureau employees assigned supervisory tasks. Whenever practicable, the Bureau will collect information about an individual directly from that individual. RECORD SOURCE CATEGORIES: Information in this system is obtained from banks, savings associations, credit unions, and their affiliates and service providers, persons subject to the Bureau’s authority, and current, former, and prospective consumers who are or have been customers of covered persons, and others with information relevant to the enforcement of Federal consumer financial laws. khammond on DSKJM1Z7X2PROD 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 Bureau’s Disclosure of Records and Information Rules, promulgated at 12 CFR part 1070, to: (1) Appropriate agencies, entities, and persons when (a) the Bureau suspects or has confirmed that there has been a breach of the system of records; (b) the Bureau has determined that as a result of the suspected or confirmed breach there is a risk of harm to individuals, the Bureau (including its information systems, programs, and operations), the Federal Government, or national security; and (c) the disclosure made to such agencies, entities, and persons is reasonably necessary to assist in connection with the Bureau’s efforts to respond to the suspected or confirmed breach or to prevent, minimize, or remedy such harm; (2) Another Federal agency or Federal entity, when the Bureau determines that information from this system of records is reasonably necessary to assist the recipient agency or entity in (a) responding to a suspected or confirmed breach or (b) preventing, minimizing, or remedying the risk of harm to individuals, the recipient agency or entity (including its information systems, programs, and operations), the Federal Government, or national security, resulting from a suspected or confirmed breach. (3) 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 VerDate Sep<11>2014 16:42 Jan 21, 2020 Jkt 250001 individual or the accuracy of information submitted by an individual who has requested access to or amendment or correction of records; (4) 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; (5) Congressional offices in response to an inquiry made at the request of the individual to whom the record pertains; (6) Contractors, agents, or other authorized individuals performing work on a contract, service, cooperative agreement, job, or other activity on behalf of the Bureau or Federal Government and who have a need to access the information in the performance of their duties or activities; (7) Any authorized agency or component of the Department of Treasury, the Department of Justice, the Federal Reserve System, the Federal Deposit Insurance Corporation or other law enforcement authorities including disclosure by such authorities: (a) To the extent relevant and necessary in connection with litigation in proceedings before a court or other adjudicative body, where (i) The United States is a party to or has an interest in the litigation, including where the agency, or an agency component, or an agency official or employee in his or her official capacity, or an individual agency official or employee whom the Department of Justice or the Bureau has agreed to represent, is or may likely become a party, and (ii) the litigation is likely to affect the agency or any component thereof; or (b) To outside experts or consultants when considered appropriate by Bureau staff to assist in the conduct of agency matters; (8) The U.S. Department of Justice (DOJ) for its use in providing legal advice to the Bureau or in representing the Bureau 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 Bureau to be relevant and necessary to the advice or proceeding, and in the case of a proceeding, such proceeding names as a party in interest: (a) The Bureau; (b) Any employee of the Bureau in his or her official capacity; (c) Any employee of the Bureau in his or her individual capacity where DOJ has agreed to represent the employee; or (d) The United States, where the Bureau determines that litigation is likely to affect the Bureau or any of its components; (9) A grand jury pursuant either to a Federal or State grand jury subpoena, or to a prosecution request that such PO 00000 Frm 00048 Fmt 4703 Sfmt 4703 3651 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; (10) 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; (11) Appropriate agencies, entities, and persons, including but not limited to potential expert witnesses or witnesses in the course of investigations, to the extent necessary to secure information relevant to the investigation; (12) 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 (13) An entity or person that is the subject of supervision or enforcement activities including examinations, investigations, administrative proceedings, and litigation, and the attorney or non-attorney representative for that entity or person. POLICIES AND PRACTICES FOR STORAGE OF RECORDS: Paper and electronic records. POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS: Records are retrievable by a variety of fields including without limitation, the individual’s name, complaint/inquiry case number, address, account number, transaction number, phone number, date of birth, or by some combination thereof. POLICIES AND PRACTICES FOR RETENTION AND DISPOSAL OF RECORDS: Per DAA–0587–2013–0008, records in this system will be destroyed 7 years after cutoff. ADMINISTRATIVE, TECHNICAL, AND PHYSICAL SAFEGUARDS: Access to electronic records is restricted to authorized personnel who have been issued non-transferrable E:\FR\FM\22JAN1.SGM 22JAN1 3652 Federal Register / Vol. 85, No. 14 / Wednesday, January 22, 2020 / Notices 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. RECORD ACCESS PROCEDURES: An individual seeking access to any record pertaining to him or her contained in this system of records may inquire in writing in accordance with instructions in 12 CFR 1070.50 et seq. Address such requests to: Chief Privacy Officer, Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552. Instructions are also provided on the Bureau website: https://www.consumerfinance.gov/foiarequests/submit-request/. CONTESTING RECORD PROCEDURES: An individual seeking to contest the content of any record pertaining to him or her contained in this system of records may inquire in writing in accordance with instructions appearing in the Bureau’s Disclosure of Records and Information Rules, promulgated at 12 CFR 1070.50 et seq. Address such requests to: Chief Privacy Officer, Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552. NOTIFICATION PROCEDURES: An individual seeking notification whether any record contained in this system of records pertains to him or her may inquire in writing in accordance with instructions appearing in the Bureau’s Disclosure of Records and Information Rules, promulgated at 12 CFR 1070.50 et seq. Address such requests to: Chief Privacy Officer, Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552. EXEMPTIONS PROMULGATED FOR THE SYSTEM: Portions of the records in this system are compiled for law enforcement purposes and are exempt from disclosure under Bureau’s Privacy Act regulations and 5 U.S.C. 552a(k)(2). Federal criminal law enforcement investigatory reports maintained as part of this system may be the subject of exemptions imposed by the originating agency pursuant to 5 U.S.C. 552a(j)(2). khammond on DSKJM1Z7X2PROD with NOTICES HISTORY: 76 FR 45765 (August 01, 2011); 83 FR 23435 (June 21, 2018) Dated: November 27, 2019. Kate Fulton, Senior Agency Official for Privacy, Bureau of Consumer Financial Protection. [FR Doc. 2020–00140 Filed 1–21–20; 8:45 am] BILLING CODE 4810–AM–P VerDate Sep<11>2014 16:42 Jan 21, 2020 Jkt 250001 BUREAU OF CONSUMER FINANCIAL PROTECTION [Docket No: CFPB–2020–0004] Privacy Act of 1974; System of Records Bureau of Consumer Financial Protection. ACTION: Notice of a modified 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 (Bureau), gives notice of the modification of a Privacy Act System of Records. The information will enable the Bureau to carry out its responsibilities with respect to enforcement of title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act and other federal consumer financial law, including: (1) The investigation of potential violations of federal consumer financial law; (2) the pursuit of administrative or civil enforcement actions; and (3) the referral of matters, as appropriate, to the Department of Justice or other Federal or State agencies. The Bureau is modifying the system of records in order to update descriptions of the system location; the system manager; the address whereby a member of the public can request access to records, contest records, or request notification whether a system contains a record pertaining to him or her; and the policies and practices for retention and disposal of records. SUMMARY: Comments must be received no later than February 21, 2020. The modified system of records will be effective February 21, 2020, unless the comments received result in a contrary determination. ADDRESSES: You may submit comments, identified by the title and the docket number (see above), by any of the following methods: • Electronic: http:// www.regulations.gov: Follow the instructions for soliciting comments. • Email: privacy@cfpb.gov. • Mail/Hand Delivery/Courier: Tannaz Haddadi, Acting Chief Privacy Officer, Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. All submissions must include the agency name and docket number for this notice. In general, all comments received will be posted without change to http://www.regulations.gov. In addition, comments will be available for DATES: PO 00000 Frm 00049 Fmt 4703 Sfmt 4703 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– 7058. 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: Tannaz Haddadi, Acting Chief Privacy Officer, at (202) 435–7058. If you require this document in an alternative electronic format, please contact CFPB_ Accessibility@cfpb.gov. Please do not submit comments to these email boxes. SUPPLEMENTARY INFORMATION: The DoddFrank Wall Street Reform and Consumer Protection Act, Public Law 111–203, title X, established the Bureau. The Bureau will maintain the records covered by this notice. The modified system of records described in this notice, ‘‘CFPB.004—Enforcement Database,’’ will collect information to enable the Bureau to carry out its responsibilities with respect to enforcement of title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act and other Federal consumer financial law, including: (1) The investigation of potential violations of federal consumer financial law; (2) the pursuit of administrative or civil enforcement actions; and (3) the referral of matters, as appropriate, to the Department of Justice or other Federal or State agencies. This modified system of records updates the description of the system location, the address of the system manager, the address whereby members of the public can notify the Bureau to request access to or amend records about themselves, record access, contesting record and notification procedures, and the description of the policies and practices for retention and disposal of records. The updated sections reflect the Bureau’s new address: Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552, and the updated records schedule. Records in this system will be destroyed 15 years after cutoff. In addition, the Bureau is making nonsubstantive revisions to the system of records notice to align with the Office of Management and Budget’s recommended model in Circular A–108, appendix II. The report of a modified system of records has been submitted to the Committee on Oversight and Reform of the House of Representatives, the E:\FR\FM\22JAN1.SGM 22JAN1

Agencies

[Federal Register Volume 85, Number 14 (Wednesday, January 22, 2020)]
[Notices]
[Pages 3649-3652]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2020-00140]


=======================================================================
-----------------------------------------------------------------------

BUREAU OF CONSUMER FINANCIAL PROTECTION

[Docket No: CFPB-2020-0002]


Privacy Act of 1974; System of Records

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Notice of a modified 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 (Bureau), gives notice of the 
modification of a Privacy Act System of Records. The information in the 
system will enable the Bureau to carry out its responsibilities with 
respect to banks, savings associations, credit unions, and their 
affiliates and service providers, including the coordination and 
conduct of examinations, supervisory evaluations and analyses, 
enforcement actions, actions in Federal court, and coordination with 
other financial regulatory agencies. The Bureau is modifying the system 
of records in order to update descriptions of the system location; the 
system manager; the address whereby a member of the public can request 
access to records, contest records, or request notification whether a 
system contains a record pertaining to him or her; and the policies and 
practices for retention and disposal of records.

DATES: Comments must be received no later than February 21, 2020. The 
modified system of records will be effective January 22, 2020, unless 
the comments received result in a contrary determination.

ADDRESSES: You may submit comments, identified by the title and the 
docket number (see above), by any of the following methods:
     Electronic: http://www.regulations.gov: Follow the 
instructions for soliciting comments.
     Email: [email protected].
     Mail/Hand Delivery/Courier: Tannaz Haddadi, Acting Chief 
Privacy Officer, Consumer Financial Protection Bureau, 1700 G Street 
NW, Washington, DC 20552.
    All submissions must include the agency name and docket number for 
this notice. In general, all comments received will be posted without 
change to http://www.regulations.gov. In addition, 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) 435-7058. 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: Tannaz Haddadi, Acting Chief Privacy 
Officer, at (202) 435-7058. If you require this document in an 
alternative electronic format, please contact

[[Page 3650]]

[email protected]. Please do not submit comments to these 
email boxes.

SUPPLEMENTARY INFORMATION: The Dodd-Frank Wall Street Reform and 
Consumer Protection Act, Public Law 111-203, title X, established the 
CFPB. The CFPB will maintain the records covered by this notice. The 
modified system of records described in this notice, ``CFPB.002--
Depository Institution Supervision Database,'' will collect information 
to enable the Bureau to carry out its responsibilities with respect to 
banks, savings associations, credit unions, and their affiliates and 
service providers, including the coordination and conduct of 
examinations, supervisory evaluations and analyses, enforcement 
actions, actions in Federal court, and coordination with other 
financial regulatory agencies. This modified system of records updates 
the description of the system location, the address of the system 
manager, the address whereby members of the public can notify the 
Bureau to request access to or amend records about themselves, record 
access, contesting record and notification procedures, and the policies 
and practices for retention and disposal of records. The updated 
sections reflect the Bureau's new address: Bureau of Consumer Financial 
Protection, 1700 G Street NW, Washington, DC 20552, and the updated 
records schedule. Records in this system will be destroyed 7 years 
after cutoff. In addition, the Bureau is making non-substantive 
revisions to the system of records notice to align with the Office of 
Management and Budget's recommended model in Circular A-108, appendix 
II.
    The report of a modified system of records has been submitted to 
the Committee on Oversight and 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 OMB 
Circular A-108, ``Federal Agency Responsibilities for Review, 
Reporting, and Publication under the Privacy Act'' (December 23, 
2016),\1\ and the Privacy Act, 5 U.S.C. 552a(r).
---------------------------------------------------------------------------

    \1\ Although pursuant to section 1017(a)(4)(E) of the Consumer 
Financial Protection Act, Public Law 111-203, the Bureau is not 
required to comply with 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.002--Depository Institution 
Supervision Database'' is published in its entirety below.

SYSTEM NAME AND NUMBER:
    CFPB.002--Depository Institution Supervision Database.

SECURITY CLASSIFICATION:
    This information system does not contain any classified information 
or data.

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

SYSTEM MANAGER(S):
    Assistant Director of Large Bank Supervision, Bureau of Consumer 
Financial Protection, 1700 G Street NW, Washington, DC 20552; (202) 
435-7923.

AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
    Public Law 111-203, title X, sections 1011, 1012, 1021, 1025, 
codified at 12 U.S.C. 5491, 5492, 5511, 5515.

PURPOSE(S) OF THE SYSTEM:
    The information in the system is being collected to enable the 
Bureau to carry out its responsibilities with respect to banks, savings 
associations, credit unions, and their affiliates and service 
providers, including the coordination and conduct of examinations, 
supervisory evaluations and analyses, enforcement actions, actions in 
Federal court, and coordination with other financial regulatory 
agencies. The information collected in this system will also support 
the conduct of investigations or be used as evidence by the Bureau or 
other supervisory or law enforcement agencies. This may result in 
criminal referrals, referral to the Federal Reserve Office of Inspector 
General, or the initiation of administrative or Federal court actions. 
This system will track and store examination and inspection documents 
created during the performance of the Bureau's statutory duties. This 
system also will enable the Bureau to monitor and coordinate regular 
examinations and required reports, supervisory evaluations and 
analyses, and enforcement actions internally and with other Federal and 
State regulators. The information will also be used for administrative 
purposes to ensure quality control, performance, and improving 
management processes.

CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
    Individuals covered by this system are: (1) Individuals who 
themselves are, and current and former directors, officers, employees, 
agents, shareholders, and independent contractors of banks, savings 
associations, or credit unions; (2) Current and former consumers who 
are or have been in the past serviced by banks, savings associations, 
or credit unions subject to the supervision of the Bureau; and (3) 
Bureau employees assigned to supervise banks, savings associations, or 
credit unions. Information collected regarding consumer products and 
services is subject to the Privacy Act only to the extent that it 
concerns individuals; information pertaining to corporations and other 
business entities is not subject to the Privacy Act.

CATEGORIES OF RECORDS IN THE SYSTEM:
    Records in the system may contain information provided by a 
supervised institution, by individuals who are or have been serviced by 
a supervised institution, or other government authorities, to the 
Bureau in the exercise of Bureau's responsibilities and used to assess 
an institution's compliance with various statutory and regulatory 
obligations. This may include: (1) Personally identifiable information 
from customers of banks, savings associations, or credit unions, 
including without limitation, name, account numbers, address, phone 
number, email address, and date of birth; (2) contact information of 
officials of institutions such as members of the Board of Directors, 
Audit Committee Chair, Chief Executive Officer, Chief Compliance 
Officer, Internal Auditor, and Independent Auditor including, without 
limitation, name, address, phone number, and email address; (3) 
information about Bureau employees assigned to depository institution 
supervision tasks, including, without limitation, name, phone number, 
email address, address, and other employment information; and (4) 
Confidential Supervision Information or Personal Information, including 
information relating to individuals that is derived from Confidential 
Supervisory Information or from consumer complaints. This information 
may include, without limitation, reports of examinations and associated 
documentation regarding compliance with consumer financial protection 
laws; documents assessing the current and past safety and soundness/
risk management of a covered person or service provider; reports of 
consumer complaints; and correspondence relating to any category of 
information discussed above and actions taken to remedy deficiencies in 
these areas. Information contained in the Depository Institution 
Supervision Database is collected from a variety of source, including, 
without limitation: (1) The individuals who own, control, or work

[[Page 3651]]

for covered persons or service providers; (2) existing databases 
maintained by other Federal and state regulatory associations, law 
enforcement agencies, and related entities; (3) third parties with 
relevant information about covered persons or service providers; and 
(4) information generated by Bureau employees or about Bureau employees 
assigned supervisory tasks. Whenever practicable, the Bureau will 
collect information about an individual directly from that individual.

RECORD SOURCE CATEGORIES:
    Information in this system is obtained from banks, savings 
associations, credit unions, and their affiliates and service 
providers, persons subject to the Bureau's authority, and current, 
former, and prospective consumers who are or have been customers of 
covered persons, and others with information relevant to the 
enforcement of Federal consumer financial laws.

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 Bureau's 
Disclosure of Records and Information Rules, promulgated at 12 CFR part 
1070, to:
    (1) Appropriate agencies, entities, and persons when (a) the Bureau 
suspects or has confirmed that there has been a breach of the system of 
records; (b) the Bureau has determined that as a result of the 
suspected or confirmed breach there is a risk of harm to individuals, 
the Bureau (including its information systems, programs, and 
operations), the Federal Government, or national security; and (c) the 
disclosure made to such agencies, entities, and persons is reasonably 
necessary to assist in connection with the Bureau's efforts to respond 
to the suspected or confirmed breach or to prevent, minimize, or remedy 
such harm;
    (2) Another Federal agency or Federal entity, when the Bureau 
determines that information from this system of records is reasonably 
necessary to assist the recipient agency or entity in (a) responding to 
a suspected or confirmed breach or (b) preventing, minimizing, or 
remedying the risk of harm to individuals, the recipient agency or 
entity (including its information systems, programs, and operations), 
the Federal Government, or national security, resulting from a 
suspected or confirmed breach.
    (3) 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;
    (4) 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;
    (5) Congressional offices in response to an inquiry made at the 
request of the individual to whom the record pertains;
    (6) Contractors, agents, or other authorized individuals performing 
work on a contract, service, cooperative agreement, job, or other 
activity on behalf of the Bureau or Federal Government and who have a 
need to access the information in the performance of their duties or 
activities;
    (7) Any authorized agency or component of the Department of 
Treasury, the Department of Justice, the Federal Reserve System, the 
Federal Deposit Insurance Corporation or other law enforcement 
authorities including disclosure by such authorities: (a) To the extent 
relevant and necessary in connection with litigation in proceedings 
before a court or other adjudicative body, where (i) The United States 
is a party to or has an interest in the litigation, including where the 
agency, or an agency component, or an agency official or employee in 
his or her official capacity, or an individual agency official or 
employee whom the Department of Justice or the Bureau has agreed to 
represent, is or may likely become a party, and (ii) the litigation is 
likely to affect the agency or any component thereof; or (b) To outside 
experts or consultants when considered appropriate by Bureau staff to 
assist in the conduct of agency matters;
    (8) The U.S. Department of Justice (DOJ) for its use in providing 
legal advice to the Bureau or in representing the Bureau 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 
Bureau to be relevant and necessary to the advice or proceeding, and in 
the case of a proceeding, such proceeding names as a party in interest:
    (a) The Bureau;
    (b) Any employee of the Bureau in his or her official capacity;
    (c) Any employee of the Bureau in his or her individual capacity 
where DOJ has agreed to represent the employee; or
    (d) The United States, where the Bureau determines that litigation 
is likely to affect the Bureau or any of its components;
    (9) 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;
    (10) 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;
    (11) Appropriate agencies, entities, and persons, including but not 
limited to potential expert witnesses or witnesses in the course of 
investigations, to the extent necessary to secure information relevant 
to the investigation;
    (12) 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
    (13) An entity or person that is the subject of supervision or 
enforcement activities including examinations, investigations, 
administrative proceedings, and litigation, and the attorney or non-
attorney representative for that entity or person.

POLICIES AND PRACTICES FOR STORAGE OF RECORDS:
    Paper and electronic records.

POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS:
    Records are retrievable by a variety of fields including without 
limitation, the individual's name, complaint/inquiry case number, 
address, account number, transaction number, phone number, date of 
birth, or by some combination thereof.

POLICIES AND PRACTICES FOR RETENTION AND DISPOSAL OF RECORDS:
    Per DAA-0587-2013-0008, records in this system will be destroyed 7 
years after cutoff.

ADMINISTRATIVE, TECHNICAL, AND PHYSICAL SAFEGUARDS:
    Access to electronic records is restricted to authorized personnel 
who have been issued non-transferrable

[[Page 3652]]

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.

RECORD ACCESS PROCEDURES:
    An individual seeking access to any record pertaining to him or her 
contained in this system of records may inquire in writing in 
accordance with instructions in 12 CFR 1070.50 et seq. Address such 
requests to: Chief Privacy Officer, Bureau of Consumer Financial 
Protection, 1700 G Street NW, Washington, DC 20552. Instructions are 
also provided on the Bureau website: https://www.consumerfinance.gov/foia-requests/submit-request/.

CONTESTING RECORD PROCEDURES:
    An individual seeking to contest the content of any record 
pertaining to him or her contained in this system of records may 
inquire in writing in accordance with instructions appearing in the 
Bureau's Disclosure of Records and Information Rules, promulgated at 12 
CFR 1070.50 et seq. Address such requests to: Chief Privacy Officer, 
Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, 
DC 20552.

NOTIFICATION PROCEDURES:
    An individual seeking notification whether any record contained in 
this system of records pertains to him or her may inquire in writing in 
accordance with instructions appearing in the Bureau's Disclosure of 
Records and Information Rules, promulgated at 12 CFR 1070.50 et seq. 
Address such requests to: Chief Privacy Officer, Bureau of Consumer 
Financial Protection, 1700 G Street NW, Washington, DC 20552.

EXEMPTIONS PROMULGATED FOR THE SYSTEM:
    Portions of the records in this system are compiled for law 
enforcement purposes and are exempt from disclosure under Bureau's 
Privacy Act regulations and 5 U.S.C. 552a(k)(2). Federal criminal law 
enforcement investigatory reports maintained as part of this system may 
be the subject of exemptions imposed by the originating agency pursuant 
to 5 U.S.C. 552a(j)(2).

HISTORY:
    76 FR 45765 (August 01, 2011); 83 FR 23435 (June 21, 2018)

    Dated: November 27, 2019.
Kate Fulton,
Senior Agency Official for Privacy, Bureau of Consumer Financial 
Protection.
[FR Doc. 2020-00140 Filed 1-21-20; 8:45 am]
 BILLING CODE 4810-AM-P