Privacy Act of 1974; System of Records, 48449-48458 [2023-15931]
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Federal Register / Vol. 88, No. 143 / Thursday, July 27, 2023 / Notices
received during early scoping and the
scoping period are being used to
identify significant resources and effects
that should be considered in the
preparation of the Draft IFR–EIS.
Comments received after the comment
period closes will be considered prior to
the Draft IFR–EIS public review period,
to the extent possible. For those that
cannot be addressed prior to the public
review period, the comments will be
included within the public review
period and addressed at that time.
While no public scoping meetings are
scheduled during this scoping period,
virtual public scoping meetings were
held on September 16 and 17, 2020
coinciding with the Notice of Early
Scoping issued in the Federal Register
August 2020. The Port has also held
numerous public engagement sessions
including a robust outreach effort in the
Fall of 2022 with a total of sixteen
virtual and in-person public engagement
events to further describe the purpose of
the Study and strategies being
considered, as well as to seek feedback
on areas of concern and the plan
formulation process.
8. Availability of Draft IFR–EIS. The
USACE currently estimates that the
Draft IFR–EIS will be available for
public review and comment in the Fall
of 2023. At that time, the USACE will
provide a 60-day public review period
for individuals and agencies to review
and comment. The USACE will notify
all interested agencies, organizations,
and individuals of the availability of the
draft document at that time. All
interested parties are encouraged to
respond to this notice and provide a
current address if they wish to be
notified of the Draft EIS circulation.
Wesley E. Coleman, Jr.
Programs Director, Southwestern Division.
[FR Doc. 2023–15898 Filed 7–26–23; 8:45 am]
BILLING CODE 3720–58–P
DEPARTMENT OF EDUCATION
[Docket No.: ED–2023–SCC–0142]
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Agency Information Collection
Activities; Comment Request; Ronald
E. McNair Postbaccalaureate
Achievement Program Annual
Performance Report
Office of Postsecondary
Education (OPE), Department of
Education (ED).
ACTION: Notice.
AGENCY:
In accordance with the
Paperwork Reduction Act (PRA) of
1995, the Department is proposing a
SUMMARY:
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revision of a currently approved
information collection request (ICR).
DATES: Interested persons are invited to
submit comments on or before
September 25, 2023.
ADDRESSES: To access and review all the
documents related to the information
collection listed in this notice, please
use https://www.regulations.gov by
searching the Docket ID number ED–
2023–SCC–0142. Comments submitted
in response to this notice should be
submitted electronically through the
Federal eRulemaking Portal at https://
www.regulations.gov by selecting the
Docket ID number or via postal mail,
commercial delivery, or hand delivery.
If the regulations.gov site is not
available to the public for any reason,
the Department will temporarily accept
comments at ICDocketMgr@ed.gov.
Please include the docket ID number
and the title of the information
collection request when requesting
documents or submitting comments.
Please note that comments submitted
after the comment period will not be
accepted. Written requests for
information or comments submitted by
postal mail or delivery should be
addressed to the Manager of the
Strategic Collections and Clearance
Governance and Strategy Division, U.S.
Department of Education, 400 Maryland
Ave. SW, LBJ, Room 6W203,
Washington, DC 20202–8240.
FOR FURTHER INFORMATION CONTACT: For
specific questions related to collection
activities, please contact Julie Laurel,
202–453–6733.
SUPPLEMENTARY INFORMATION: The
Department, in accordance with the
Paperwork Reduction Act of 1995 (PRA)
(44 U.S.C. 3506(c)(2)(A)), provides the
general public and Federal agencies
with an opportunity to comment on
proposed, revised, and continuing
collections of information. This helps
the Department assess the impact of its
information collection requirements and
minimize the public’s reporting burden.
It also helps the public understand the
Department’s information collection
requirements and provide the requested
data in the desired format. The
Department is soliciting comments on
the proposed information collection
request (ICR) that is described below.
The Department is especially interested
in public comment addressing the
following issues: (1) is this collection
necessary to the proper functions of the
Department; (2) will this information be
processed and used in a timely manner;
(3) is the estimate of burden accurate;
(4) how might the Department enhance
the quality, utility, and clarity of the
information to be collected; and (5) how
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48449
might the Department minimize the
burden of this collection on the
respondents, including through the use
of information technology. Please note
that written comments received in
response to this notice will be
considered public records.
Title of Collection: Ronald E. McNair
Postbaccalaureate Achievement Program
Annual Performance Report.
OMB Control Number: 1840–0640.
Type of Review: A revision of a
currently approved ICR.
Respondents/Affected Public: Private
Sector; State, Local, and Tribal
Governments.
Total Estimated Number of Annual
Responses: 206.
Total Estimated Number of Annual
Burden Hours: 2,297.
Abstract: Ronald E. McNair
Postbaccalaureate Achievement
(McNair) Program grantees must submit
the Annual Performance Report each
year. The reports are used to evaluate
grantees’ performance for substantial
progress, respond to the Government
Performance and Results Act (GPRA),
and award prior experience points at the
end of each project (budget) period. The
Department also aggregates the data to
provide descriptive information on the
projects and to analyze the impact of the
McNair Program on the academic
progress of participating students.
In this revision, the Department
added two fields, at the project level,
requesting information on the
implementation of the Competitive
Preference Priorities (CPPs) used in the
most recent grant competition. The
addition of the CPP questions coupled
with an increase in the number of
respondents resulted in a slight increase
in total annual burden hours.
Dated: July 24, 2023.
Kun Mullan,
PRA Coordinator, Strategic Collections and
Clearance, Governance and Strategy Division,
Office of Chief Data Officer, Office of
Planning, Evaluation and Policy
Development.
[FR Doc. 2023–15963 Filed 7–26–23; 8:45 am]
BILLING CODE 4000–01–P
DEPARTMENT OF EDUCATION
[Docket ID ED–2023–FSA–0109]
Privacy Act of 1974; System of
Records
Federal Student Aid, U.S.
Department of Education.
ACTION: Notice of a Modified System of
Records.
AGENCY:
In accordance with the
Privacy Act of 1974, as amended
SUMMARY:
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Federal Register / Vol. 88, No. 143 / Thursday, July 27, 2023 / Notices
ddrumheller on DSK120RN23PROD with NOTICES1
(Privacy Act), the U.S. Department of
Education (Department) publishes this
notice of a modified system of records
entitled ‘‘Common Services for
Borrowers (CSB)’’ (18–11–16). The
information contained in this system is
maintained for various purposes relating
to aid applicants and recipients,
cosigners, and endorsers of loan
applications for Federal title IV, Higher
Education Act of 1965, as amended
(HEA) program funds.
DATES: Submit your comments on this
modified system of records notice on or
before August 28, 2023.
This modified system of records
notice will become applicable upon
publication in the Federal Register on
July 27, 2023, unless it needs to be
changed as a result of public comment,
‘‘CATEGORIES OF USERS AND
PURPOSES OF SUCH USES,’’ which
will become applicable on August 28,
2023, unless it needs to be changed as
a result of public comment. The
Department will publish any changes to
the modified system of records notice
resulting from public comment.
ADDRESSES: Comments must be
submitted via the Federal eRulemaking
Portal at regulations.gov. However, if
you require an accommodation or
cannot otherwise submit your
comments via regulations.gov, please
contact the program contact person
listed under FOR FURTHER INFORMATION
CONTACT. The Department will not
accept comments submitted by fax or by
email, or comments submitted after the
comment period closes. To ensure that
the Department does 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 ‘‘FAQ’’ tab.
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
provide an appropriate accommodation
or auxiliary aid to an individual with a
disability who needs assistance to
review the comments or other
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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:
Mark LaVia, Executive Director,
Servicing, Student Experience and Aid
Delivery, Federal Student Aid, U.S.
Department of Education, 1300 Market
St., 5th floor, Philadelphia, PA 19107.
Telephone: 202–805–4376. Email:
Mark.LaVia@ed.gov.
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: In
accordance with the Privacy Act, the
Department proposes to modify the
system of records notice entitled
‘‘Common Services for Borrowers
(CSB)’’ (18–11–16), which was last
published in full in the Federal Register
on September 13, 2022 (87 FR 56003).
The Department is modifying the
section entitled ‘‘SYSTEM LOCATION’’
as follows:
(i) For Nelnet Servicing, LLC,
clarifying that the backup site in Sioux
Falls, SD is the system hosting backup
site; separating the imaging center
locations from the mail fulfillment
locations; clarifying that the Lincoln,
NE, location previously designated as a
contact center location is the location of
an imaging center; adding a new
imaging center location in Madison, WI;
deleting the contact center location in
Aurora, CO, updating the addresses of
the contact center locations in Lincoln,
NE and Omaha, NE; and adding new
contact center locations in Boscobel, WI,
Brownsville, TX, Columbus, NE, Eau
Claire, WI, Madison, WI, Sidney, NE,
and Stevens Point, WI;
(ii) For Aidvantage, for the mail
fulfillment and imaging centers,
deleting the location in Wilkes-Barre,
PA, and adding a new location in
Greenville, TX; and for contact centers,
deleting and replacing the locations in
Fishers, IN, Wilkes-Barre, PA, and
Muncie, IN, with a note explaining that
Aidvantage employs a fully remote
contact center model where Customer
Service Representatives manage
customer calls in a distributed
environment utilizing secure internet
connections and using centrally
managed technology;
(iii) For the Missouri Higher
Education Loan Authority, deleting the
Boyers, PA, and Sterling Forest, NY,
locations; and adding a new additional
location in Washington, DC; and
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(iv) Updating the name of the
Department contractor ‘‘North Texas
Higher Education Servicing Corp.
(NFPHESC—EdFinancial)’’ to
‘‘EdFinancial;’’ and for EdFinancial;
clarifying that the North Bellevue, NE
location is the Nelnet system hosting
site and that the Sioux Falls, SD
location is the Nelnet system hosting
backup site; and adding new FISERV
system hosting and system hosting
backup site locations in Omaha, NE, and
Chandler, AZ, new mail fulfillment and
imaging center locations in West
Sacramento, CA, and North Monroe,
NC, and new contact center locations in
Montgomery, AL, and Concord, NH.
The Department is modifying the
section entitled ‘‘PURPOSE(S) OF THE
SYSTEM’’ to add new purpose (24) to
determine whether an aid recipient who
is applying for an income-driven
repayment (IDR) plan or recertifying an
IDR plan has provided consent/
affirmative approval to redisclose
Federal Tax Information (FTI) of such
individuals pursuant to clause (iv) of
section 6103(l)(13)(D) of the Internal
Revenue Code (IRC) of 1986 and for the
disclosure of records by the Department
to the Internal Revenue Service (IRS) to
obtain FTI and for the IRS to disclose
FTI to the Department as referenced in
Section 494(a) of the HEA (20 U.S.C.
1098h(a)) for the purpose of determining
repayment obligation monthly amounts
for an IDR plan under title IV of the
HEA with respect to loans made under
part D of title IV of the HEA (Direct
Loan Program).
The Department is modifying the
section entitled ‘‘CATEGORIES OF
RECORDS IN THE SYSTEM’’ as follows:
(i) Adding a new ‘‘Note’’ section to
explain that beginning with the 2024–
2025 award year application cycle, the
IRS will disclose FTI directly to the
Department for use by the Department
in processing the Free Application for
Federal Student Aid (FAFSA®) and
making aid eligibility determinations
under a program authorized under
subpart 1 of part A, part C, or part D of
title IV of the HEA and that FTI will not
be maintained in this system. All FTI
that the Department will obtain directly
from the IRS under the authority
provided by the Fostering
Undergraduate Talent by Unlocking
Resources for Education (FUTURE) Act
will be maintained within the FTI
Module (FTIM) system that will be
compliant with the IRS Publication
1075, ‘‘Tax Information Security
Guidelines for Federal, State and Local
Agencies, Safeguards for Protecting
Federal Tax Returns and Return
Information,’’ and that will be covered
under the Department’s system of
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Federal Register / Vol. 88, No. 143 / Thursday, July 27, 2023 / Notices
records notice entitled ‘‘FUTURE Act
System (FAS)’’ (18–11–23). This system
will continue to maintain both historical
and applicant-provided income
information (either through a manual
FAFSA entry or submission of
alternative documentation of income
(ADOI) through the IDR process). Any
reference to income throughout this
system of records notice refers to
income information that the Department
did not obtain directly from the IRS but
obtained from the applicant or from
another source; and
(ii) The third paragraph of this section
is updated to include consent/
affirmative approval to include
permitting the Department to disclose
records to the IRS to obtain FTI and to
permit the disclosure and redisclosure
of the FTI, monthly payment amounts,
and ADOI.
The Department is modifying the
section entitled ‘‘RECORD SOURCE
CATEGORIES’’ to indicate that
information is also obtained from other
Department systems including the
Common Origination and Disbursement
(COD) system (covered by the
Department’s system of records notice
entitled ‘‘Common Origination and
Disbursement (COD) System’’ (18–11–
02)) and the National Student Loan Data
System (NSLDS) (covered by the
Department’s system of records notice
entitled ‘‘National Student Loan Data
System (NSLDS)’’ (18–11–06)) or any
successor systems thereto.
The Department is modifying the
section entitled ‘‘ADMINISTRATIVE,
TECHNICAL, AND PHYSICAL
SAFEGUARDS’’ to update paragraph
four to remove the reference to the
Department’s Standard PR.AC:
Password Parameters Policy and add the
Department’s Information Technology
(IT) Identification and Authentication
(IA) Standard; and to update the
password change policy from 60–90
days to 90 days or based on the Zero
Trust Strategy/Plan in accordance with
the Department’s IT IA standards.
Accessible Format: On request to the
program contact person listed under FOR
FURTHER INFORMATION CONTACT,
individuals with disabilities can obtain
this document in an accessible format.
The Department will provide the
requestor with an accessible format that
may include Rich Text Format (RTF) or
text format (txt), a thumb drive, an MP3
file, braille, large print, audiotape, or
compact disc, or other accessible format.
Electronic Access to This Document:
The official version of this document is
the document published in the Federal
Register. You may access the official
edition of the Federal Register and the
Code of Federal Regulations at
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www.govinfo.gov. 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 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.
Richard Cordray,
Chief Operating Officer, Federal Student Aid.
For the reasons discussed in the
preamble, the Chief Operating Officer,
Federal Student Aid (FSA), U.S.
Department of Education (Department),
publishes a notice of a modified system
of records to read as follows:
SYSTEM NAME AND NUMBER:
Common Services for Borrowers
(CSB) (18–11–16).
SECURITY CLASSIFICATION:
Unclassified.
SYSTEM LOCATION:
(1) U.S. Department of Education,
D Executive Director, Servicing,
Student Experience and Aid Delivery,
Federal Student Aid, U.S. Department of
Education, 1300 Market St., 5th floor,
Philadelphia, PA 19107 (System
Manager);
D 50 Beale St., San Francisco, CA
94105;
D 500 West Madison St., Chicago, IL
60661; and
D 61 Forsyth St., Atlanta, GA 30303.
(2) Maximus Federal Services, Inc.
(Contractor—Federal Loan Servicer for
Collections—Debt Management
Collection System (DMCS)):
D 5202 Presidents Ct., Frederick, MD
21703 (Department contractor—DMCS
Program Management and Help Desk;
D Amazon Web Services Government
Cloud, US East,;
D 410 Terry Ave. North, Seattle, WA
98109–5210 (System Hosting);
D Mail Fulfillment and Imaging
Centers: 800 Commerce Dr., Upper
Marlboro, MD 20774; and 6201
Interstate 30, Greenville, TX 75402; and
D Contact Centers: 1 Imeson Park
Blvd., Suite 300, Jacksonville, FL 32218;
and 4335 Paredes Line Rd. Brownsville,
TX 78526.
(3) Nelnet Servicing, LLC
(Contractor—Federal Loan Servicer),
D 1001 Fort Crook Rd. North, Suite
132, Bellevue, NE 68005 (System
Hosting);
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48451
D 700 East 54th St. North, Suite 200,
Sioux Falls, SD 57104 (System Hosting
Backup site);
D Mail Fulfillment: 1720 Northway
Dr., North Mankato, MN 56003; 3125
Lewis Centre Way, Grove City, OH
43123; 3885 Seaport Blvd., Suite 40,
West Sacramento, CA 95691; and 1803
Rocky River Rd., North Monroe, NC
28110;
D Imaging Centers: 121 South 13th St.,
Lincoln, NE 68508 and 2401 and 2501
International Lane, Madison, WI 53704;
and
D Contact Centers: 308 Second St.,
Boscobel, WI 53805; 3381 Ruben M.
Torres Blvd., Brownsville, TX 78526;
3620 23rd St., Columbus, NE 68601;
1529 Continental Dr., Eau Claire, WI
54701; 401 S. 21st St., Lincoln, NE
68510; 2401 and 2501 International
Lane, Madison, WI 53704; 14400 Branch
St. Omaha, NE 68010; 1205 Jackson St.
Suite 300, Sidney, NE 69162; and 1101
Centerpoint Drive, Stevens Point, WI
54481;
(4) Great Lakes Educational Loan
Services, Inc. (GLCS) (Contractor—
Federal Loan Servicer):
D 2401 and 2501 International Lane,
Madison, WI 53704; and 1529
Continental Dr., Eau Claire, WI 54701;
(System Hosting and System Hosting
Backup site);
D Mail Fulfillment and Imaging
Centers: 2401 and 2501 International
Lane, Madison, WI 53704; and 1529
Continental Dr., Eau Claire, WI 54701;
and
D Contact Centers: 930 Blue Gentian
Rd., Eagan, MN 55121; 2401 and 2501
International Lane, Madison, WI 53704;
1529 Continental Dr., Eau Claire, WI
54701; 308 2nd St., Boscobel, WI 53805;
and 1101 Center Point Dr., Stevens
Point, WI 54481.
(5) Aidvantage (Contractor—Federal
Loan Servicer):
D Chandler Data Center, 240 North
Roosevelt Ave., Chandler, AZ 48226
(System Hosting);
D Omaha Data Center, 7305 Pacific
St., Omaha, NE 68106 (System Hosting
Backup site);
D Mail Fulfillment and Imaging
Centers: 3885 Seaport Blvd., Suite 40,
West Sacramento, CA 95691; 1803
North Rocky River Rd., Monroe, NC
28110; and 6201 Interstate 30,
Greenville, TX 75402; and
D Contact Center(s): A fully remote
contact center model is employed.
Customer Service Representatives
manage customer calls in a distributed
environment utilizing secure internet
connections and using centrally
managed technology.
(6) Missouri Higher Education Loan
Assistance Authority (MOHELA)
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(Contractor—Not-for-Profit (NFP)
Federal Loan Servicer):
D 633 Spirit Dr., Chesterfield, MO
63005 (System Hosting);
D 555 Vandiver Dr., Columbia, MO
65202 (System Hosting Backup site);
D 820 First Street, NE, Suite L–120,
Washington, DC 20002 (Main Office);
D Mail Fulfillment and Imaging
Centers: 633 Spirit Dr., Chesterfield, MO
63005; and 555 Vandiver Dr., Columbia,
MO 65202; and
D Contact Centers: 633 Spirit Dr.,
Chesterfield, MO 63005; 555 Vandiver
Dr., Columbia, MO 65202; and 820 First
St. NE, Suite L–120, Washington, DC
20002.
(7) Oklahoma Student Loan Authority
(NFPOSLA) (Contractor—NFP Federal
Loan Servicer):
D 525 Central Park Dr., Ste. 600,
Oklahoma City, OK 73105 (System
Hosting); 7499 East Paradise Lane,
Scottsdale, AZ 85260 (System Hosting
Backup site);
D 1001 Fort Crook Road. North, Suite
132, Bellevue NE. 68005–4247 (System
Hosting Backup site);
D 700 East 54th St. North, Suite 200,
Sioux Falls, SD 57104 (System Hosting
Backup site);
D Mail Fulfillment and Imaging
Center: 525 Central Park Dr., Ste. 600,
Oklahoma City, OK 73105; and
D Call Center: 525 Central Park Dr.,
Ste. 600, Oklahoma City, OK 73105.
D EdFinancial (Contractor—NFP
Federal Loan Servicer):
D 1001 Fort Crook Rd., Suite 132,
North Bellevue, NE 68005–4247 (Nelnet
System Hosting);
D 700 East 54th St. North, Suite 200,
Sioux Falls, SD 57104 (Nelnet System
Hosting Backup);
D 7301 Pacific Street, Omaha, NE
68114 (FISERV System Hosting—
FISERV Solutions Primary Data Center);
and
D 240 North Roosevelt Avenue,
Chandler, AZ 85226 (FISERV System
Hosting Backup);
D Mail Fulfillment and Imaging
Centers: 13271 North Promenade Blvd.,
Stafford, TX 77477–3957; 3885 Seaport
Blvd., Suite 40, West Sacramento, CA
95691; and 1803 Rocky River Rd., North
Monroe, NC 29110 (Mail Fulfillment
and Imaging Backup site); and
D Contact Centers: 120 North Seven
Oaks Dr., Knoxville, TN 37922; 298
North Seven Oaks Dr., Knoxville, TN
37922; 2741 Gunter Park Dr.,
Montgomery, AL 36109; and 4 Barrell
Court, Concord, NH 03301;
(8) Educational Computer Systems,
Inc. (ECSI) (Contractor—Federal Perkins
Loan Servicer):
D 1033 Jefferson St. NW, Atlanta, GA
30318 (System Hosting);
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D Mail Fulfillment and Imaging
Center: 100 Global View Dr.,
Warrendale, PA 15086; and
D Contact Centers: 1200 Cherrington
Parkway, Suite 200,Moon Township, PA
15108; and 3330 Healy Dr., WinstonSalem, NC 27103.
(9) Action Financial Services
(Contractor—Private Collection
Agency):
D 2055 Cardinal Ave., Medford, OR
97504 (Call Center, Administrative
Support, Compliance, Training and
Human Resources).
(10) Bass & Associates, P.C.
(Contractor—Private Collection
Agency):
D 3926 E Fort Lowell Rd., Tucson, AZ
85712–1083 (Administration and
Student Loan Collections).
(11) Central Research, Inc. (CRI)
(Contractor—Private Collection
Agency):
D 122 N Bloomington St., Suite I,
Lowell, AR 72745 (Accounting/
Corporate Administration).
(12) Coast Professional, Inc.
(Contractor—Private Collection
Agency):
D 4273 Volunteer Rd., Geneseo, NY
14454 (Student Loan Servicing &
Collecting).
(13) Credit Adjustments, Inc. (CAI)
(Contractor—Private Collection
Agency):
D 1270 Geneva Blvd. Defiance, OH
43512 (Collection Activity,
Administrative Offices).
(14) F.H. Cann & Associates, Inc.
(Contractor—Private Collection
Agency):
D 1600 Osgood St., Suite 2–120, North
Andover, MA 01845 (Collection
Activity, Administrative Office).
(15) Immediate Credit Recovery (ICR)
(Contractor—Private Collection
Agency):
D 6 Neptune Rd., Suite 110,
Poughkeepsie, NY 12601 (Call Center,
Rehab Payer Service and Maintenance,
Compliance, IT Staff, HR, Accounting,
CEO, CIO, VP admin and other
executive staff).
(16) National Credit Services
(Contractor—Private Collection
Agency):
D 2525 220th St. SE, Suite 200,
Bothell, WA 98021 (Debt Collection,
Rehabilitations, Skip Tracing, QA,
Compliance, HR and Administrative
Wage Garnishment (AWG)).
(17) National Recoveries Inc.
(Contractor—Private Collection
Agency):
D 14735 Hwy. 65, NE, Ham Lake, MN
55304 (Collections, Invoice Processing,
IT).
(18) Professional Bureau of
Collections of Maryland, Inc.
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(Contractor—Private Collection
Agency):
D 5295 DTC Parkway, Greenwood
Village, CO 80111 (Executive,
Administrative, Accounting,
Collections, IT and Compliance).
(19) Reliant Capital Solutions
(Contractor—Private Collection
Agency):
D 670 Cross Pointe Rd., Gahanna, OH
43230 (Front Line Agents and
Administrative Office).
SYSTEM MANAGER(S):
Executive Director, Servicing, Student
Experience and Aid Delivery, Federal
Student Aid, U.S. Department of
Education, 1300 Market St., 5th floor,
Philadelphia, PA 19107.
AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
Titles IV–A, IV–B, IV–D, and IV–E of
the Higher Education Act (HEA) of
1965, as amended (20 U.S.C. 1070 et
seq.) and the Higher Education Relief
Opportunities for Students Act of 2003
(20 U.S.C. 1098bb) (including any
waivers or modifications that the
Secretary of Education deems necessary
to make to any statutory or regulatory
provision applicable to the student
financial assistance programs under title
IV of the HEA to achieve specific
purposes listed in the section in
connection with a war, other military
operation, or a national emergency).
PURPOSE(S) OF THE SYSTEM:
Note: Different parts of the HEA use the
terms ‘‘discharge,’’ ‘‘cancellation,’’ or
‘‘forgiveness’’ to describe when a borrower’s
loan amount is reduced in whole or in part
by the Department. To reduce complexity,
this system of records notice uses the term
‘‘discharge’’ to include all three terms
(‘‘discharge,’’ ‘‘cancellation,’’ and
‘‘forgiveness’’), including but not limited to
discharges of student loans made pursuant to
specific benefit programs. At times, this
system of records notice may refer by name
to a specific benefit program, such as the
‘‘Public Service Loan Forgiveness’’ program;
such specific references are not intended to
exclude any such program benefits from
more general references to loan discharges.
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 title IV, HEA obligation;
(5) To originate, disburse, service,
collect, assign, adjust, transfer, refer,
furnish credit information for, and
discharge a title IV, HEA obligation;
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(6) To provide customers with
information to help them make
informed decisions on repayment
options, including forbearance,
deferment, and recurring debit options,
based on their unique situations;
(7) To investigate possible fraud or
abuse or verify compliance with
program regulations or contract
requirements;
(8) To locate a delinquent or defaulted
individual obligated to repay a title IV,
HEA obligation;
(9) To litigate a title IV, HEA
obligation, or to prepare for, provide
support services for, or audit the results
of litigation on a title IV, HEA
obligation;
(10) To prepare for, conduct, or
enforce a limitation, suspension,
termination, or debarment action;
(11) To verify that Federal, state,
local, and Tribal statutory, regulatory,
and program requirements are met by
educational and financial institutions,
guaranty agencies, and Department
contractors including Federal Loan
Servicers, NFP Federal Loan Servicers,
the Federal Perkins Loan Servicer, and
Private Collection Agencies (PCAs);
(12) To verify whether a title IV, HEA
obligation qualifies for discharge;
(13) To conduct credit checks or
respond to inquiries or disputes arising
from information on a title IV, HEA
obligation already furnished to a
consumer reporting agency;
(14) To investigate, respond to, or
resolve complaints submitted to the
Department or to other Federal, State,
local, or Tribal agencies regarding an aid
applicant’s or recipient’s title IV, HEA
program eligibility, the disbursement, or
servicing of a title IV, HEA obligation,
or the practices or processes of the
Department and/or the Department’s
contractors;
(15) To determine credit balances to
be refunded by the U.S. Department of
the Treasury (Treasury) to the
individual or loan holder;
(16) To allow educational institutions,
financial institutions, Federal Loan
Servicers, NFP Federal Loan Servicers
the Federal Perkins Loan Servicer,
PCAs, and guaranty agencies to report
information to the Department on all
aspects of title IV, HEA obligations in
uniform formats to permit the
Department to directly compare data
submitted to the Department by
individual educational institutions,
financial institutions, third-party
servicers, guaranty agencies, Federal
Loan Servicers, NFP Federal Loan
Servicers the Federal Perkins Loan
Servicer, or PCAs;
(17) To report to the Internal Revenue
Service (IRS) information required by
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law to be reported, including, but not
limited to, reports required by 26 U.S.C.
6050P and 6050S;
(18) To support research, analysis,
and development of educational
policies in relation to title IV, HEA
student financial aid programs;
(19) To support Federal budget
analysts in the Department, the Office of
Management and Budget (OMB), and
the Congressional Budget Office (CBO)
in the development of budget needs and
forecasts;
(20) To help governmental entities at
the Federal, State, Tribal, and local
levels to exercise their supervisory and
administrative powers (including, but
not limited to licensure, examination,
discipline, regulation, or oversight of
educational institutions, Department
contractors, guaranty agencies, eligible
lenders, and third-party servicers); to
investigate, respond to, or resolve
complaints regarding the practices or
processes of the Department and/or the
Department’s contractors; and to update
information or correct errors contained
in Department records;
(21) To ensure that only authorized
users access aid applicants’ or
recipients’ records, to maintain a history
of each instance in which the aid
applicant’s or recipient’s records are
viewed or updated, and to assist the
Department in responding to a
suspected or confirmed breach of this
system or in preventing, minimizing, or
remedying harm when the Department
suspects or confirms that this system
has been breached or when the
Department determines that information
from this system is reasonably necessary
to assist another agency or entity in
responding to a suspected or confirmed
breach or in preventing, minimizing, or
remedying the risk of harm resulting
from a suspected or confirmed breach;
(22) To support the Department in
detecting, preventing, mitigating, and
recouping improper payments in title
IV, HEA programs;
(23) To conduct testing, analysis, or
take other administrative actions needed
to prepare for or execute programs
under title IV of the HEA; and
(24) To identify whether an aid
recipient or application participant who
is applying for an income-driven
repayment (IDR) plan or recertifying an
IDR plan has provided consent/
affirmative approval to redisclose
Federal Tax Information (FTI) of such
individuals pursuant to clause (iv) of
section 6103(l)(13)(D) of the Internal
Revenue Code (IRC) of 1986 and for the
disclosure of records by the Department
to the IRS to obtain FTI and for the IRS
to disclose FTI to the Department as
referenced in Section 494(a) of the HEA
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(20 U.S.C. 1098h(a)) for the purpose of
determining repayment obligation
monthly amounts for an IDR plan under
title IV of the HEA with respect to loans
made under part D of title IV of the HEA
(Direct Loan Program).
CATEGORIES OF INDIVIDUALS COVERED BY THE
SYSTEM:
The CSB system contains records on
individuals who received a loan or who
otherwise owe a title IV, HEA obligation
held, originated, serviced, disbursed,
adjusted, collected, or discharged 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) the Academic Competitiveness
Grant (ACG) Program;
(9) the National Science and
Mathematics Access to Retain Talent
(SMART) Grant Program;
(10) the Teacher Education Assistance
for College and Higher Education
(TEACH) Grant Program; and
(11) the Iraq and Afghanistan Service
Grant 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
program funds as references, co-signers,
endorsers, or a spouse whose income
and expenses are considered in
connection with the making or the
enforcement of a title IV, HEA
obligation.
CATEGORIES OF RECORDS IN THE SYSTEM:
Note: Beginning with the 2024–2025 award
year application cycle, the IRS will disclose
FTI directly to the Department for use by the
Department in processing the Free
Application for Federal Student Aid
(FAFSA®) and making aid eligibility
determinations under a program authorized
under subpart 1 of part A, part C, or part D
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of title IV of the HEA. FTI will not be
maintained in this system. Beginning July 30,
2023, the IRS will also disclose FTI directly
to the Department for use by the Department
to determine monthly payment amounts
under IDR plans with respect to Direct Loans.
That FTI also will not be maintained in this
system. All FTI that the Department will
obtain directly from the IRS under the
Fostering Undergraduate Talent by
Unlocking Resources for Education
(FUTURE) Act will be maintained within the
FTI Module (FTIM) system that will be
compliant with the IRS Publication 1075,
‘‘Tax Information Security Guidelines for
Federal, State and Local Agencies,
Safeguards for Protecting Federal Tax
Returns and Return Information,’’ and that
will be covered under the Department’s
system of records notice entitled ‘‘FUTURE
Act System (FAS)’’ (18–11–23). This system
will continue to maintain both historical and
applicant-provided income information
(either through a manual FAFSA entry or
submission of alternative documentation of
income (ADOI) through the IDR process).
Any reference to income throughout this
system of records notice refers to income
information that the Department did not
obtain directly from the IRS but obtained
from the applicant or from another source.
This system of records covers the
following Information Technology (IT)
systems of the Department used to carry
out activities with regard to title IV,
HEA obligations held, originated,
serviced, disbursed, collected, or
discharged by the Department: DMCS,
IT systems operated by the Federal Loan
Servicers and NFP Federal Loan
Servicers to accomplish the purpose(s)
of this system of records, IT systems
operated by the Federal Perkins Loan
Program Servicer to accomplish the
purpose(s) of this system of records, and
IT systems operated by the PCAs to
accomplish the purpose(s) of this
system of records. This system of
records also covers paper records
obtained by the Department from
guaranty agencies in the process of
considering appeals by title IV, HEA
loan borrowers of guaranty agency
decisions.
This system of records maintains the
employment information, educational
status, family income, Social Security
number (SSN), address(es), email
address(es), monthly payment amounts,
ADOI, and telephone number(s) of the
aid applicant or recipient indebted on a
title IV, HEA obligation or the
individuals whose income and expenses
are included in a financial statement
submitted by the aid applicant or
recipient. This system also maintains
the consent/affirmative approval to
include permitting the Department to
disclose records to the IRS to obtain FTI
and to permit the disclosure and
redisclosure of the FTI of the applicant
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or recipient. This system of records
maintains the loan discharge income,
eligibility information, and associated
discharge eligibility consent information
of the aid recipient indebted on a title
IV, HEA obligation. This system also
maintains 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
records related to discharge of title IV,
HEA obligations on grounds of
qualifying service, bankruptcy
discharge, Total and Permanent
Disability (including medical records
submitted to support an application for
discharge by reason of disability), death,
Public Service Loan Forgiveness (PSLF)
(including, but not limited to,
employment records), Borrower Defense
(including but not limited to, case
decisions, principal and interest
discharged, amount refunded, and
borrower defense notifications) 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 title IV,
HEA obligations, the system contains
demographic, employment, and other
data on the individual who owes a title
IV, HEA obligation or provided as
references by the obligor, and the
collection actions taken by any holder,
including write-off amounts and
compromise amounts.
This system also contains information
obtained from matching programs or
other information exchanges with other
Federal and State agencies, and other
entities, to assist in identifying
individuals who may be eligible for
benefits related to their title IV, HEA
obligations, including, but not limited
to, TPD discharges, loan deferments,
interest rate reductions, PSLF, and other
Federal and State loan repayment or
discharge benefits or for the purpose of
recouping payments on delinquent title
IV, HEA obligations under title IV, HEA
programs.
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 title IV, HEA
obligation held and collected by the
Department. The Department also
obtains information from Federal Loan
Servicers, NFP Federal Loan Servicers,
the Federal Perkins Loan Servicer,
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PCAs, references, cosigners, endorsers,
current or prior FFEL loan holders or
servicers, guaranty agencies,
educational and financial institutions
and their authorized representatives,
and Federal, State, Tribal 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. Information in this system may
be obtained from other persons or
entities from whom or from which data
is obtained following a disclosure under
the listed routine uses.
Information is also obtained from
other Department systems including the
Common Origination and Disbursement
(COD) system (covered by the
Department’s system of records notice
entitled ‘‘Common Origination and
Disbursement (COD) System’’ (18–11–
02)) and the National Student Loan Data
System (NSLDS) (covered by the
Department’s system of records notice
entitled ‘‘National Student Loan Data
System (NSLDS)’’ (18–11–06)) or any
successor systems thereto.
ROUTINE USES OF RECORDS MAINTAINED IN THE
SYSTEM, INCLUDING CATEGORIES OF USERS AND
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-bycase 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.
(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 title IV, HEA
program funds, disclosures may be
made to guaranty agencies, educational
and financial institutions, and their
authorized representatives; to Federal,
State, Tribal, 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 title IV,
HEA obligation;
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(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 a title IV, HEA obligation, 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 title IV, HEA obligation;
(e) To permit originating, disbursing,
servicing, collecting, assigning,
adjusting, transferring, referring,
furnishing of credit information, or
discharging title IV, HEA obligations,
disclosures may be made to guaranty
agencies, educational institutions, or
financial institutions that originated,
held, serviced, or have been assigned
the title IV, HEA obligation, and their
authorized representatives; to a party
identified by the debtor as willing to
advance funds to repay the title IV, HEA
obligation; 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 provide customers with
information to help them make
informed decisions on repayment
options, including deferment,
forbearance, and recurring auto debit,
based on their unique situations,
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;
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(g) To investigate possible fraud or
abuse or to verify compliance with
contractual requirements or Federal,
State, local, or Tribal statutory,
regulatory, or program requirements,
disclosures may be made to guaranty
agencies, educational and financial
institutions, third-party servicers, and
their authorized representatives; to
Federal, State, Tribal, 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 who owes a
title IV, HEA obligation, 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 title IV, HEA
obligation for litigation, to provide
support services for litigation on a title
IV, HEA obligation, to litigate a title IV,
HEA obligation, or to audit the results
of litigation on a title IV, HEA
obligation, disclosures may be made to
FFEL loan holders or servicers;
Department contractors including but
not limited to, Federal Loan Servicers,
NFP Federal Loan Servicers, the Federal
Perkins Servicer, PCAs and to guaranty
agencies and their authorized
representatives; Federal, State, Tribal, or
local agencies, and their authorized
representatives; and to adjudicative
bodies;
(j) To prepare for, conduct, or enforce
a limitation, suspension, or 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 verify that HEA program
requirements are met by educational
and financial institutions, guaranty
agencies, Federal Loan Servicers, NFP
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; to accrediting agencies;
to auditors engaged to conduct an audit
of a guaranty agency or an educational
or financial institution; to Federal, State,
Tribal, or local agencies, and their
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authorized representatives; and to
adjudicative bodies;
(l) To verify whether a title IV, HEA
obligation qualifies for discharge,
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;
(m) To conduct credit checks or to
respond to inquiries or disputes arising
from information on the title IV, HEA
obligation already furnished to a
consumer reporting agency, disclosures
may be made to consumer 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, respond to, and
resolve complaints submitted to the
Department or to Federal, State, local, or
Tribal agencies regarding an aid
applicant’s or recipient’s title IV, HEA
program eligibility, the disbursement or
servicing of a title IV, HEA obligation,
or the practices or processes of the
Department and/or the Department’s
contractors 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, Tribal, 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;
(o) To provide credit balances
identified in the Department’s systems
to Treasury for distribution, 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 title IV, HEA obligations in
uniform formats and to permit the
Department to directly compare data
submitted to the Department by
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individual educational institutions,
financial institutions, third-party
servicers, guaranty agencies, Federal
Loan Servicers, NFP Federal Loan
Servicers, PCAs, and the Federal
Perkins Loan Servicer, disclosures may
be made to educational institutions,
financial institutions, guaranty agencies,
Federal Loan Servicers, the Federal
Perkins Loan Servicer, NFP Federal
Loan Servicers, and PCAs;
(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; and
(r) To help Federal, State, Tribal, and
local governmental entities exercise
their supervisory and administrative
powers (including, but not limited to,
licensure, examination, discipline,
regulation, or oversight of educational
institutions, Department contractors,
guaranty agencies, eligible lenders, and
third-party servicers) or to investigate,
respond to, or resolve complaints
submitted regarding the practices or
processes of the Department and/or the
Department’s contractors, the
Department may disclose records to
governmental entities at the Federal,
State, Tribal, and local levels. These
records may include all aspects of
records relating to title IV, HEA
obligations to permit these
governmental entities to verify
compliance with debt collection,
consumer protection, 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 safeguards consistent with the
Privacy Act 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
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) 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.
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(4) 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.
(5) 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
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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 or their Agents and
Contractors, and Professional
Organizations or the Department’s
Contractors. The Department may
disclose a records to a Federal, State,
local, or other public authority or an
agent or contractor of such public
agency, or professional organization, or
the Department’s contractors in
connection with the hiring or retention
of an 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.
(6) 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
factfinder, mediator, or other person
designated to resolve issues or decide
the matter.
(7) 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.
(8) Freedom of Information Act
(FOIA) and Privacy Act Advice
Disclosure. The Department may
disclose records to the DOJ or to 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.
(9) 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.
(10) Contracting Disclosure. If the
Department contracts with an entity for
the purposes of performing any function
that requires disclosure of records in the
system to the employees of the
contractor, the Department may disclose
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the records to those employees. As part
of such a contract, the Department shall
require the contractor to agree 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.
(11) 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 agree to establish
and maintain safeguards to protect the
security and confidentiality of the
disclosed records.
(12) Congressional Member
Disclosure. The Department may
disclose the records of an individual to
a member of Congress or the member’s
staff when necessary to respond to an
inquiry from the member made at the
written request of that individual and
on behalf of that individual. The
member’s right to the information is no
greater than the right of the individual
who requested it.
(13) Disclosure to OMB or CBO for
Credit Reform Act (CRA) Support. The
Department may disclose records to
OMB or CBO as necessary to fulfill CRA
requirements in accordance with 2
U.S.C. 661b.
(14) Disclosure in the Course of
Responding to a Breach of Data. The
Department may disclose records from
this system of records to appropriate
agencies, entities, and persons when (a)
the Department suspects or has
confirmed that there has been a breach
of the system of records; (b) the
Department has determined that as a
result of the suspected or confirmed
breach there is a risk of harm to
individuals, the Department (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 Department’s
efforts to respond to the suspected or
confirmed breach and prevent,
minimize, or remedy such harm.
(15) Disclosure in Assisting Another
Agency in Responding to a Breach of
Data. The Department may disclose
records from this system to another
Federal agency or Federal entity, when
the Department determines that
information from this system of records
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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.
(16) Disclosure to Third Parties
Through Matching Programs. Unless
otherwise prohibited by other laws, any
information from this system of records,
including personal information obtained
from other agencies through matching
programs, may be disclosed to any third
party through a 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.
(17) Disclosure of Information to
Treasury. The Department may disclose
records 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 Stateadministered, Federally funded
program.
(18) Disclosure to National Archives
and Records Administration (NARA).
The Department may disclose records
from this system of records to NARA for
the purpose of records management
inspections conducted under authority
of 44 U.S.C. 2904 and 2906.
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
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48457
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 STORAGE OF
RECORDS:
The records are maintained in
hardcopy, microfilm, magnetic storage,
and optical storage media, such as tape,
disk, etc.
POLICIES AND PRACTICES FOR RETRIEVAL OF
RECORDS:
Records in this system pertaining to a
title IV, HEA loan borrower or grant
recipient are retrieved by one or more of
the following data elements: 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.
POLICIES AND PRACTICES FOR RETENTION AND
DISPOSAL OF RECORDS:
All records are retained and disposed
of in accordance with ED Records
Schedule 075: FSA Loan Servicing,
Consolidation, and Collections Records
(N1–441–09–016) (ED 075). The
Department has submitted amendments
to ED 075 for NARA’s consideration and
will continue to preserve all records
covered by ED 075 until the
amendments are approved.
ADMINISTRATIVE, TECHNICAL, AND PHYSICAL
SAFEGUARDS:
All physical access to the
Department’s site, and to the sites of the
Federal Loan Servicers, the Federal
Perkins Loan Servicer, PCAs, and other
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contractors listed in 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 ACSD–OFO–013 entitled
‘‘Contractor Employee Personnel
Security Screenings,’’ all contract
personnel who have facility access and
system access are required to undergo a
security clearance investigation.
Individuals requiring access to Privacy
Act records 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 records.
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 Information Technology
(IT) Identification and Authentication
(IA) Standard 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 90 days or based on the Zero
Trust Strategy/Plan in accordance with
the Department’s IT IA standards.
In accordance with the Federal
Information Security Management Act
of 2002 (FISMA), as amended by the
Federal Information Security
Modernization Act of 2014, every
Department system must receive a
signed Authorization to Operate (ATO)
from a designated Department official.
The ATO process includes a rigorous
assessment of security and privacy
controls, a plan of actions and
milestones to remediate any identified
deficiencies, and a continuous
monitoring program.
FISMA controls implemented
comprise a combination of management,
operational, and technical controls, and
include the following control families:
access control, awareness and training,
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audit and accountability, assessment,
authorization, and monitoring,
configuration management, contingency
planning, identification and
authentication, incident response,
maintenance, media protection,
physical and environmental protection,
planning, program management,
personnel security, personally
identifiable information processing and
transparency, risk assessment, system
and services acquisition, system and
communications protection, system and
information integrity, and supply chain
risk management.
All of the Federal Loan Servicers, NFP
Federal Loan Servicers, the Federal
Perkins Loan Servicer, PCAs, and other
contractors, as listed in ‘‘SYSTEM
LOCATION,’’ undergo FISMA security
authorizations. In addition, access is
monitored 24 hours per day, 7 days a
week.
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.
NOTIFICATION PROCEDURES:
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.
EXEMPTIONS PROMULGATED FOR THE SYSTEM:
None.
HISTORY:
The system of records entitled
‘‘Common Services for Borrowers
(CSB)’’ (18–11–16) was originally
published in the Federal Register on
January 23, 2006 (71 FR 3503–3507),
modified on September 12, 2014 (79 FR
54685–54695) and on September 2, 2016
(81 FR 60683–60691), and last modified
on September 13, 2022 (87 FR 56003–
56015).
[FR Doc. 2023–15931 Filed 7–26–23; 8:45 am]
BILLING CODE 4000–01–P
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DEPARTMENT OF ENERGY
Federal Energy Regulatory
Commission
[Docket No. CP23–518–000]
NFEnergı´a LLC; Notice of Application
and Establishing Intervention Deadline
Take notice that on July 18, 2023,
NFEnergı´a LLC (NFEnergı´a), 111 W 19th
Street, New York, New York 10011,
filed a request under section 3 of the
Natural Gas Act (NGA), and part 153 of
the Commission’s regulations requesting
authorization to permit construction
and interconnection of a new pipeline at
its MFH Facility located at the Port of
San Juan, Puerto Rico (Project).
NFEnergı´a states that the U.S. Army
Corps of Engineers’ (USACE) emergency
temporary generation project, located
adjacent to the Puerto Rico Electric
Power Authority’s San Juan Power
Plant, must interconnect to an existing,
available blind flange MFH Facility in
order for that project to meet its
objectives timely. Thus, NFEnergı´a
seeks authorization to construct an
interconnection of approximately 220
feet of 10-inch-diameter pipeline to an
existing, available blind flange at the
MFH Facility in order to deliver natural
gas to USACE’s project. NFEnergı´a avers
that the existing capacity at the MFH
Facility is adequate to make available
the fuel necessary to support the
temporary power generation, all as more
fully set forth in the application which
is on file with the Commission and open
for public inspection.
In addition to publishing the full text
of this document in the Federal
Register, the Commission provides all
interested persons an opportunity to
view and/or print the contents of this
document via the internet through the
Commission’s Home Page
(www.ferc.gov) using the ‘‘eLibrary’’
link. Enter the docket number excluding
the last three digits in the docket
number field to access the document. At
this time, the Commission has
suspended access to the Commission’s
Public Reference Room. For assistance,
contact the Federal Energy Regulatory
Commission at FercOnlineSupport@
ferc.gov or call toll-free, (886) 208–3676
or TTY (202) 502–8659.
Any questions regarding the proposed
project should be directed to Cameron
MacDougall, General Counsel,
NFEnergı´a LLC, 111 W 19th Street, New
York, New York 10011, by phone at
(212) 479–1522, or by email at
cmacdougall@fortress.com.
Pursuant to section 157.9 of the
Commission’s Rules of Practice and
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[Federal Register Volume 88, Number 143 (Thursday, July 27, 2023)]
[Notices]
[Pages 48449-48458]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2023-15931]
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DEPARTMENT OF EDUCATION
[Docket ID ED-2023-FSA-0109]
Privacy Act of 1974; System of Records
AGENCY: Federal Student Aid, U.S. Department of Education.
ACTION: Notice of a Modified System of Records.
-----------------------------------------------------------------------
SUMMARY: In accordance with the Privacy Act of 1974, as amended
[[Page 48450]]
(Privacy Act), the U.S. Department of Education (Department) publishes
this notice of a modified system of records entitled ``Common Services
for Borrowers (CSB)'' (18-11-16). The information contained in this
system is maintained for various purposes relating to aid applicants
and recipients, cosigners, and endorsers of loan applications for
Federal title IV, Higher Education Act of 1965, as amended (HEA)
program funds.
DATES: Submit your comments on this modified system of records notice
on or before August 28, 2023.
This modified system of records notice will become applicable upon
publication in the Federal Register on July 27, 2023, unless it needs
to be changed as a result of public comment, ``CATEGORIES OF USERS AND
PURPOSES OF SUCH USES,'' which will become applicable on August 28,
2023, unless it needs to be changed as a result of public comment. The
Department will publish any changes to the modified system of records
notice resulting from public comment.
ADDRESSES: Comments must be submitted via the Federal eRulemaking
Portal at regulations.gov. However, if you require an accommodation or
cannot otherwise submit your comments via regulations.gov, please
contact the program contact person listed under FOR FURTHER INFORMATION
CONTACT. The Department will not accept comments submitted by fax or by
email, or comments submitted after the comment period closes. To ensure
that the Department does 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 ``FAQ'' tab.
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 provide 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: Mark LaVia, Executive Director,
Servicing, Student Experience and Aid Delivery, Federal Student Aid,
U.S. Department of Education, 1300 Market St., 5th floor, Philadelphia,
PA 19107. Telephone: 202-805-4376. Email: [email protected].
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: In accordance with the Privacy Act, the
Department proposes to modify the system of records notice entitled
``Common Services for Borrowers (CSB)'' (18-11-16), which was last
published in full in the Federal Register on September 13, 2022 (87 FR
56003).
The Department is modifying the section entitled ``SYSTEM
LOCATION'' as follows:
(i) For Nelnet Servicing, LLC, clarifying that the backup site in
Sioux Falls, SD is the system hosting backup site; separating the
imaging center locations from the mail fulfillment locations;
clarifying that the Lincoln, NE, location previously designated as a
contact center location is the location of an imaging center; adding a
new imaging center location in Madison, WI; deleting the contact center
location in Aurora, CO, updating the addresses of the contact center
locations in Lincoln, NE and Omaha, NE; and adding new contact center
locations in Boscobel, WI, Brownsville, TX, Columbus, NE, Eau Claire,
WI, Madison, WI, Sidney, NE, and Stevens Point, WI;
(ii) For Aidvantage, for the mail fulfillment and imaging centers,
deleting the location in Wilkes-Barre, PA, and adding a new location in
Greenville, TX; and for contact centers, deleting and replacing the
locations in Fishers, IN, Wilkes-Barre, PA, and Muncie, IN, with a note
explaining that Aidvantage employs a fully remote contact center model
where Customer Service Representatives manage customer calls in a
distributed environment utilizing secure internet connections and using
centrally managed technology;
(iii) For the Missouri Higher Education Loan Authority, deleting
the Boyers, PA, and Sterling Forest, NY, locations; and adding a new
additional location in Washington, DC; and
(iv) Updating the name of the Department contractor ``North Texas
Higher Education Servicing Corp. (NFPHESC--EdFinancial)'' to
``EdFinancial;'' and for EdFinancial; clarifying that the North
Bellevue, NE location is the Nelnet system hosting site and that the
Sioux Falls, SD location is the Nelnet system hosting backup site; and
adding new FISERV system hosting and system hosting backup site
locations in Omaha, NE, and Chandler, AZ, new mail fulfillment and
imaging center locations in West Sacramento, CA, and North Monroe, NC,
and new contact center locations in Montgomery, AL, and Concord, NH.
The Department is modifying the section entitled ``PURPOSE(S) OF
THE SYSTEM'' to add new purpose (24) to determine whether an aid
recipient who is applying for an income-driven repayment (IDR) plan or
recertifying an IDR plan has provided consent/affirmative approval to
redisclose Federal Tax Information (FTI) of such individuals pursuant
to clause (iv) of section 6103(l)(13)(D) of the Internal Revenue Code
(IRC) of 1986 and for the disclosure of records by the Department to
the Internal Revenue Service (IRS) to obtain FTI and for the IRS to
disclose FTI to the Department as referenced in Section 494(a) of the
HEA (20 U.S.C. 1098h(a)) for the purpose of determining repayment
obligation monthly amounts for an IDR plan under title IV of the HEA
with respect to loans made under part D of title IV of the HEA (Direct
Loan Program).
The Department is modifying the section entitled ``CATEGORIES OF
RECORDS IN THE SYSTEM'' as follows:
(i) Adding a new ``Note'' section to explain that beginning with
the 2024-2025 award year application cycle, the IRS will disclose FTI
directly to the Department for use by the Department in processing the
Free Application for Federal Student Aid (FAFSA[supreg]) and making aid
eligibility determinations under a program authorized under subpart 1
of part A, part C, or part D of title IV of the HEA and that FTI will
not be maintained in this system. All FTI that the Department will
obtain directly from the IRS under the authority provided by the
Fostering Undergraduate Talent by Unlocking Resources for Education
(FUTURE) Act will be maintained within the FTI Module (FTIM) system
that will be compliant with the IRS Publication 1075, ``Tax Information
Security Guidelines for Federal, State and Local Agencies, Safeguards
for Protecting Federal Tax Returns and Return Information,'' and that
will be covered under the Department's system of
[[Page 48451]]
records notice entitled ``FUTURE Act System (FAS)'' (18-11-23). This
system will continue to maintain both historical and applicant-provided
income information (either through a manual FAFSA entry or submission
of alternative documentation of income (ADOI) through the IDR process).
Any reference to income throughout this system of records notice refers
to income information that the Department did not obtain directly from
the IRS but obtained from the applicant or from another source; and
(ii) The third paragraph of this section is updated to include
consent/affirmative approval to include permitting the Department to
disclose records to the IRS to obtain FTI and to permit the disclosure
and redisclosure of the FTI, monthly payment amounts, and ADOI.
The Department is modifying the section entitled ``RECORD SOURCE
CATEGORIES'' to indicate that information is also obtained from other
Department systems including the Common Origination and Disbursement
(COD) system (covered by the Department's system of records notice
entitled ``Common Origination and Disbursement (COD) System'' (18-11-
02)) and the National Student Loan Data System (NSLDS) (covered by the
Department's system of records notice entitled ``National Student Loan
Data System (NSLDS)'' (18-11-06)) or any successor systems thereto.
The Department is modifying the section entitled ``ADMINISTRATIVE,
TECHNICAL, AND PHYSICAL SAFEGUARDS'' to update paragraph four to remove
the reference to the Department's Standard PR.AC: Password Parameters
Policy and add the Department's Information Technology (IT)
Identification and Authentication (IA) Standard; and to update the
password change policy from 60-90 days to 90 days or based on the Zero
Trust Strategy/Plan in accordance with the Department's IT IA
standards.
Accessible Format: On request to the program contact person listed
under FOR FURTHER INFORMATION CONTACT, individuals with disabilities
can obtain this document in an accessible format. The Department will
provide the requestor with an accessible format that may include Rich
Text Format (RTF) or text format (txt), a thumb drive, an MP3 file,
braille, large print, audiotape, or compact disc, or other accessible
format.
Electronic Access to This Document: The official version of this
document is the document published in the Federal Register. You may
access the official edition of the Federal Register and the Code of
Federal Regulations at www.govinfo.gov. 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 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.
Richard Cordray,
Chief Operating Officer, Federal Student Aid.
For the reasons discussed in the preamble, the Chief Operating
Officer, Federal Student Aid (FSA), U.S. Department of Education
(Department), publishes a notice of a modified system of records to
read as follows:
SYSTEM NAME AND NUMBER:
Common Services for Borrowers (CSB) (18-11-16).
SECURITY CLASSIFICATION:
Unclassified.
SYSTEM LOCATION:
(1) U.S. Department of Education,
[ssquf] Executive Director, Servicing, Student Experience and Aid
Delivery, Federal Student Aid, U.S. Department of Education, 1300
Market St., 5th floor, Philadelphia, PA 19107 (System Manager);
[ssquf] 50 Beale St., San Francisco, CA 94105;
[ssquf] 500 West Madison St., Chicago, IL 60661; and
[ssquf] 61 Forsyth St., Atlanta, GA 30303.
(2) Maximus Federal Services, Inc. (Contractor--Federal Loan
Servicer for Collections--Debt Management Collection System (DMCS)):
[ssquf] 5202 Presidents Ct., Frederick, MD 21703 (Department
contractor--DMCS Program Management and Help Desk;
[ssquf] Amazon Web Services Government Cloud, US East,;
[ssquf] 410 Terry Ave. North, Seattle, WA 98109-5210 (System
Hosting);
[ssquf] Mail Fulfillment and Imaging Centers: 800 Commerce Dr.,
Upper Marlboro, MD 20774; and 6201 Interstate 30, Greenville, TX 75402;
and
[ssquf] Contact Centers: 1 Imeson Park Blvd., Suite 300,
Jacksonville, FL 32218; and 4335 Paredes Line Rd. Brownsville, TX
78526.
(3) Nelnet Servicing, LLC (Contractor--Federal Loan Servicer),
[ssquf] 1001 Fort Crook Rd. North, Suite 132, Bellevue, NE 68005
(System Hosting);
[ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104
(System Hosting Backup site);
[ssquf] Mail Fulfillment: 1720 Northway Dr., North Mankato, MN
56003; 3125 Lewis Centre Way, Grove City, OH 43123; 3885 Seaport Blvd.,
Suite 40, West Sacramento, CA 95691; and 1803 Rocky River Rd., North
Monroe, NC 28110;
[ssquf] Imaging Centers: 121 South 13th St., Lincoln, NE 68508 and
2401 and 2501 International Lane, Madison, WI 53704; and
[ssquf] Contact Centers: 308 Second St., Boscobel, WI 53805; 3381
Ruben M. Torres Blvd., Brownsville, TX 78526; 3620 23rd St., Columbus,
NE 68601; 1529 Continental Dr., Eau Claire, WI 54701; 401 S. 21st St.,
Lincoln, NE 68510; 2401 and 2501 International Lane, Madison, WI 53704;
14400 Branch St. Omaha, NE 68010; 1205 Jackson St. Suite 300, Sidney,
NE 69162; and 1101 Centerpoint Drive, Stevens Point, WI 54481;
(4) Great Lakes Educational Loan Services, Inc. (GLCS)
(Contractor--Federal Loan Servicer):
[ssquf] 2401 and 2501 International Lane, Madison, WI 53704; and
1529 Continental Dr., Eau Claire, WI 54701; (System Hosting and System
Hosting Backup site);
[ssquf] Mail Fulfillment and Imaging Centers: 2401 and 2501
International Lane, Madison, WI 53704; and 1529 Continental Dr., Eau
Claire, WI 54701; and
[ssquf] Contact Centers: 930 Blue Gentian Rd., Eagan, MN 55121;
2401 and 2501 International Lane, Madison, WI 53704; 1529 Continental
Dr., Eau Claire, WI 54701; 308 2nd St., Boscobel, WI 53805; and 1101
Center Point Dr., Stevens Point, WI 54481.
(5) Aidvantage (Contractor--Federal Loan Servicer):
[ssquf] Chandler Data Center, 240 North Roosevelt Ave., Chandler,
AZ 48226 (System Hosting);
[ssquf] Omaha Data Center, 7305 Pacific St., Omaha, NE 68106
(System Hosting Backup site);
[ssquf] Mail Fulfillment and Imaging Centers: 3885 Seaport Blvd.,
Suite 40, West Sacramento, CA 95691; 1803 North Rocky River Rd.,
Monroe, NC 28110; and 6201 Interstate 30, Greenville, TX 75402; and
[ssquf] Contact Center(s): A fully remote contact center model is
employed. Customer Service Representatives manage customer calls in a
distributed environment utilizing secure internet connections and using
centrally managed technology.
(6) Missouri Higher Education Loan Assistance Authority (MOHELA)
[[Page 48452]]
(Contractor--Not-for-Profit (NFP) Federal Loan Servicer):
[ssquf] 633 Spirit Dr., Chesterfield, MO 63005 (System Hosting);
[ssquf] 555 Vandiver Dr., Columbia, MO 65202 (System Hosting Backup
site);
[ssquf] 820 First Street, NE, Suite L-120, Washington, DC 20002
(Main Office);
[ssquf] Mail Fulfillment and Imaging Centers: 633 Spirit Dr.,
Chesterfield, MO 63005; and 555 Vandiver Dr., Columbia, MO 65202; and
[ssquf] Contact Centers: 633 Spirit Dr., Chesterfield, MO 63005;
555 Vandiver Dr., Columbia, MO 65202; and 820 First St. NE, Suite L-
120, Washington, DC 20002.
(7) Oklahoma Student Loan Authority (NFPOSLA) (Contractor--NFP
Federal Loan Servicer):
[ssquf] 525 Central Park Dr., Ste. 600, Oklahoma City, OK 73105
(System Hosting); 7499 East Paradise Lane, Scottsdale, AZ 85260 (System
Hosting Backup site);
[ssquf] 1001 Fort Crook Road. North, Suite 132, Bellevue NE. 68005-
4247 (System Hosting Backup site);
[ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104
(System Hosting Backup site);
[ssquf] Mail Fulfillment and Imaging Center: 525 Central Park Dr.,
Ste. 600, Oklahoma City, OK 73105; and
[ssquf] Call Center: 525 Central Park Dr., Ste. 600, Oklahoma City,
OK 73105.
[ssquf] EdFinancial (Contractor--NFP Federal Loan Servicer):
[ssquf] 1001 Fort Crook Rd., Suite 132, North Bellevue, NE 68005-
4247 (Nelnet System Hosting);
[ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104
(Nelnet System Hosting Backup);
[ssquf] 7301 Pacific Street, Omaha, NE 68114 (FISERV System
Hosting--FISERV Solutions Primary Data Center); and
[ssquf] 240 North Roosevelt Avenue, Chandler, AZ 85226 (FISERV
System Hosting Backup);
[ssquf] Mail Fulfillment and Imaging Centers: 13271 North Promenade
Blvd., Stafford, TX 77477-3957; 3885 Seaport Blvd., Suite 40, West
Sacramento, CA 95691; and 1803 Rocky River Rd., North Monroe, NC 29110
(Mail Fulfillment and Imaging Backup site); and
[ssquf] Contact Centers: 120 North Seven Oaks Dr., Knoxville, TN
37922; 298 North Seven Oaks Dr., Knoxville, TN 37922; 2741 Gunter Park
Dr., Montgomery, AL 36109; and 4 Barrell Court, Concord, NH 03301;
(8) Educational Computer Systems, Inc. (ECSI) (Contractor--Federal
Perkins Loan Servicer):
[ssquf] 1033 Jefferson St. NW, Atlanta, GA 30318 (System Hosting);
[ssquf] Mail Fulfillment and Imaging Center: 100 Global View Dr.,
Warrendale, PA 15086; and
[ssquf] Contact Centers: 1200 Cherrington Parkway, Suite 200,Moon
Township, PA 15108; and 3330 Healy Dr., Winston-Salem, NC 27103.
(9) Action Financial Services (Contractor--Private Collection
Agency):
[ssquf] 2055 Cardinal Ave., Medford, OR 97504 (Call Center,
Administrative Support, Compliance, Training and Human Resources).
(10) Bass & Associates, P.C. (Contractor--Private Collection
Agency):
[ssquf] 3926 E Fort Lowell Rd., Tucson, AZ 85712-1083
(Administration and Student Loan Collections).
(11) Central Research, Inc. (CRI) (Contractor--Private Collection
Agency):
[ssquf] 122 N Bloomington St., Suite I, Lowell, AR 72745
(Accounting/Corporate Administration).
(12) Coast Professional, Inc. (Contractor--Private Collection
Agency):
[ssquf] 4273 Volunteer Rd., Geneseo, NY 14454 (Student Loan
Servicing & Collecting).
(13) Credit Adjustments, Inc. (CAI) (Contractor--Private Collection
Agency):
[ssquf] 1270 Geneva Blvd. Defiance, OH 43512 (Collection Activity,
Administrative Offices).
(14) F.H. Cann & Associates, Inc. (Contractor--Private Collection
Agency):
[ssquf] 1600 Osgood St., Suite 2-120, North Andover, MA 01845
(Collection Activity, Administrative Office).
(15) Immediate Credit Recovery (ICR) (Contractor--Private
Collection Agency):
[ssquf] 6 Neptune Rd., Suite 110, Poughkeepsie, NY 12601 (Call
Center, Rehab Payer Service and Maintenance, Compliance, IT Staff, HR,
Accounting, CEO, CIO, VP admin and other executive staff).
(16) National Credit Services (Contractor--Private Collection
Agency):
[ssquf] 2525 220th St. SE, Suite 200, Bothell, WA 98021 (Debt
Collection, Rehabilitations, Skip Tracing, QA, Compliance, HR and
Administrative Wage Garnishment (AWG)).
(17) National Recoveries Inc. (Contractor--Private Collection
Agency):
[ssquf] 14735 Hwy. 65, NE, Ham Lake, MN 55304 (Collections, Invoice
Processing, IT).
(18) Professional Bureau of Collections of Maryland, Inc.
(Contractor--Private Collection Agency):
[ssquf] 5295 DTC Parkway, Greenwood Village, CO 80111 (Executive,
Administrative, Accounting, Collections, IT and Compliance).
(19) Reliant Capital Solutions (Contractor--Private Collection
Agency):
[ssquf] 670 Cross Pointe Rd., Gahanna, OH 43230 (Front Line Agents
and Administrative Office).
SYSTEM MANAGER(S):
Executive Director, Servicing, Student Experience and Aid Delivery,
Federal Student Aid, U.S. Department of Education, 1300 Market St., 5th
floor, Philadelphia, PA 19107.
AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
Titles IV-A, IV-B, IV-D, and IV-E of the Higher Education Act (HEA)
of 1965, as amended (20 U.S.C. 1070 et seq.) and the Higher Education
Relief Opportunities for Students Act of 2003 (20 U.S.C. 1098bb)
(including any waivers or modifications that the Secretary of Education
deems necessary to make to any statutory or regulatory provision
applicable to the student financial assistance programs under title IV
of the HEA to achieve specific purposes listed in the section in
connection with a war, other military operation, or a national
emergency).
PURPOSE(S) OF THE SYSTEM:
Note: Different parts of the HEA use the terms ``discharge,''
``cancellation,'' or ``forgiveness'' to describe when a borrower's
loan amount is reduced in whole or in part by the Department. To
reduce complexity, this system of records notice uses the term
``discharge'' to include all three terms (``discharge,''
``cancellation,'' and ``forgiveness''), including but not limited to
discharges of student loans made pursuant to specific benefit
programs. At times, this system of records notice may refer by name
to a specific benefit program, such as the ``Public Service Loan
Forgiveness'' program; such specific references are not intended to
exclude any such program benefits from more general references to
loan discharges.
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 title IV, HEA
obligation;
(5) To originate, disburse, service, collect, assign, adjust,
transfer, refer, furnish credit information for, and discharge a title
IV, HEA obligation;
[[Page 48453]]
(6) To provide customers with information to help them make
informed decisions on repayment options, including forbearance,
deferment, and recurring debit options, based on their unique
situations;
(7) To investigate possible fraud or abuse or verify compliance
with program regulations or contract requirements;
(8) To locate a delinquent or defaulted individual obligated to
repay a title IV, HEA obligation;
(9) To litigate a title IV, HEA obligation, or to prepare for,
provide support services for, or audit the results of litigation on a
title IV, HEA obligation;
(10) To prepare for, conduct, or enforce a limitation, suspension,
termination, or debarment action;
(11) To verify that Federal, state, local, and Tribal statutory,
regulatory, and program requirements are met by educational and
financial institutions, guaranty agencies, and Department contractors
including Federal Loan Servicers, NFP Federal Loan Servicers, the
Federal Perkins Loan Servicer, and Private Collection Agencies (PCAs);
(12) To verify whether a title IV, HEA obligation qualifies for
discharge;
(13) To conduct credit checks or respond to inquiries or disputes
arising from information on a title IV, HEA obligation already
furnished to a consumer reporting agency;
(14) To investigate, respond to, or resolve complaints submitted to
the Department or to other Federal, State, local, or Tribal agencies
regarding an aid applicant's or recipient's title IV, HEA program
eligibility, the disbursement, or servicing of a title IV, HEA
obligation, or the practices or processes of the Department and/or the
Department's contractors;
(15) To determine credit balances to be refunded by the U.S.
Department of the Treasury (Treasury) to the individual or loan holder;
(16) To allow educational institutions, financial institutions,
Federal Loan Servicers, NFP Federal Loan Servicers the Federal Perkins
Loan Servicer, PCAs, and guaranty agencies to report information to the
Department on all aspects of title IV, HEA obligations in uniform
formats to permit the Department to directly compare data submitted to
the Department by individual educational institutions, financial
institutions, third-party servicers, guaranty agencies, Federal Loan
Servicers, NFP Federal Loan Servicers the Federal Perkins Loan
Servicer, or PCAs;
(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;
(18) To support research, analysis, and development of educational
policies in relation to title IV, HEA student financial aid programs;
(19) To support Federal budget analysts in the Department, the
Office of Management and Budget (OMB), and the Congressional Budget
Office (CBO) in the development of budget needs and forecasts;
(20) To help governmental entities at the Federal, State, Tribal,
and local levels to exercise their supervisory and administrative
powers (including, but not limited to licensure, examination,
discipline, regulation, or oversight of educational institutions,
Department contractors, guaranty agencies, eligible lenders, and third-
party servicers); to investigate, respond to, or resolve complaints
regarding the practices or processes of the Department and/or the
Department's contractors; and to update information or correct errors
contained in Department records;
(21) To ensure that only authorized users access aid applicants' or
recipients' records, to maintain a history of each instance in which
the aid applicant's or recipient's records are viewed or updated, and
to assist the Department in responding to a suspected or confirmed
breach of this system or in preventing, minimizing, or remedying harm
when the Department suspects or confirms that this system has been
breached or when the Department determines that information from this
system is reasonably necessary to assist another agency or entity in
responding to a suspected or confirmed breach or in preventing,
minimizing, or remedying the risk of harm resulting from a suspected or
confirmed breach;
(22) To support the Department in detecting, preventing,
mitigating, and recouping improper payments in title IV, HEA programs;
(23) To conduct testing, analysis, or take other administrative
actions needed to prepare for or execute programs under title IV of the
HEA; and
(24) To identify whether an aid recipient or application
participant who is applying for an income-driven repayment (IDR) plan
or recertifying an IDR plan has provided consent/affirmative approval
to redisclose Federal Tax Information (FTI) of such individuals
pursuant to clause (iv) of section 6103(l)(13)(D) of the Internal
Revenue Code (IRC) of 1986 and for the disclosure of records by the
Department to the IRS to obtain FTI and for the IRS to disclose FTI to
the Department as referenced in Section 494(a) of the HEA (20 U.S.C.
1098h(a)) for the purpose of determining repayment obligation monthly
amounts for an IDR plan under title IV of the HEA with respect to loans
made under part D of title IV of the HEA (Direct Loan Program).
CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
The CSB system contains records on individuals who received a loan
or who otherwise owe a title IV, HEA obligation held, originated,
serviced, disbursed, adjusted, collected, or discharged 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) the Academic Competitiveness Grant (ACG) Program;
(9) the National Science and Mathematics Access to Retain Talent
(SMART) Grant Program;
(10) the Teacher Education Assistance for College and Higher
Education (TEACH) Grant Program; and
(11) the Iraq and Afghanistan Service Grant 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 program funds as
references, co-signers, endorsers, or a spouse whose income and
expenses are considered in connection with the making or the
enforcement of a title IV, HEA obligation.
CATEGORIES OF RECORDS IN THE SYSTEM:
Note: Beginning with the 2024-2025 award year application cycle,
the IRS will disclose FTI directly to the Department for use by the
Department in processing the Free Application for Federal Student
Aid (FAFSA[supreg]) and making aid eligibility determinations under
a program authorized under subpart 1 of part A, part C, or part D
[[Page 48454]]
of title IV of the HEA. FTI will not be maintained in this system.
Beginning July 30, 2023, the IRS will also disclose FTI directly to
the Department for use by the Department to determine monthly
payment amounts under IDR plans with respect to Direct Loans. That
FTI also will not be maintained in this system. All FTI that the
Department will obtain directly from the IRS under the Fostering
Undergraduate Talent by Unlocking Resources for Education (FUTURE)
Act will be maintained within the FTI Module (FTIM) system that will
be compliant with the IRS Publication 1075, ``Tax Information
Security Guidelines for Federal, State and Local Agencies,
Safeguards for Protecting Federal Tax Returns and Return
Information,'' and that will be covered under the Department's
system of records notice entitled ``FUTURE Act System (FAS)'' (18-
11-23). This system will continue to maintain both historical and
applicant-provided income information (either through a manual FAFSA
entry or submission of alternative documentation of income (ADOI)
through the IDR process). Any reference to income throughout this
system of records notice refers to income information that the
Department did not obtain directly from the IRS but obtained from
the applicant or from another source.
This system of records covers the following Information Technology
(IT) systems of the Department used to carry out activities with regard
to title IV, HEA obligations held, originated, serviced, disbursed,
collected, or discharged by the Department: DMCS, IT systems operated
by the Federal Loan Servicers and NFP Federal Loan Servicers to
accomplish the purpose(s) of this system of records, IT systems
operated by the Federal Perkins Loan Program Servicer to accomplish the
purpose(s) of this system of records, and IT systems operated by the
PCAs to accomplish the purpose(s) of this system of records. This
system of records also covers paper records obtained by the Department
from guaranty agencies in the process of considering appeals by title
IV, HEA loan borrowers of guaranty agency decisions.
This system of records maintains the employment information,
educational status, family income, Social Security number (SSN),
address(es), email address(es), monthly payment amounts, ADOI, and
telephone number(s) of the aid applicant or recipient indebted on a
title IV, HEA obligation or the individuals whose income and expenses
are included in a financial statement submitted by the aid applicant or
recipient. This system also maintains the consent/affirmative approval
to include permitting the Department to disclose records to the IRS to
obtain FTI and to permit the disclosure and redisclosure of the FTI of
the applicant or recipient. This system of records maintains the loan
discharge income, eligibility information, and associated discharge
eligibility consent information of the aid recipient indebted on a
title IV, HEA obligation. This system also maintains 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 records related to discharge of title IV, HEA
obligations on grounds of qualifying service, bankruptcy discharge,
Total and Permanent Disability (including medical records submitted to
support an application for discharge by reason of disability), death,
Public Service Loan Forgiveness (PSLF) (including, but not limited to,
employment records), Borrower Defense (including but not limited to,
case decisions, principal and interest discharged, amount refunded, and
borrower defense notifications) 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 title IV, HEA
obligations, the system contains demographic, employment, and other
data on the individual who owes a title IV, HEA obligation or provided
as references by the obligor, and the collection actions taken by any
holder, including write-off amounts and compromise amounts.
This system also contains information obtained from matching
programs or other information exchanges with other Federal and State
agencies, and other entities, to assist in identifying individuals who
may be eligible for benefits related to their title IV, HEA
obligations, including, but not limited to, TPD discharges, loan
deferments, interest rate reductions, PSLF, and other Federal and State
loan repayment or discharge benefits or for the purpose of recouping
payments on delinquent title IV, HEA obligations under title IV, HEA
programs.
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 title IV, HEA obligation held
and collected by the Department. The Department also obtains
information from Federal Loan Servicers, NFP Federal Loan Servicers,
the Federal Perkins Loan Servicer, PCAs, references, cosigners,
endorsers, current or prior FFEL loan holders or servicers, guaranty
agencies, educational and financial institutions and their authorized
representatives, and Federal, State, Tribal 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.
Information in this system may be obtained from other persons or
entities from whom or from which data is obtained following a
disclosure under the listed routine uses.
Information is also obtained from other Department systems
including the Common Origination and Disbursement (COD) system (covered
by the Department's system of records notice entitled ``Common
Origination and Disbursement (COD) System'' (18-11-02)) and the
National Student Loan Data System (NSLDS) (covered by the Department's
system of records notice entitled ``National Student Loan Data System
(NSLDS)'' (18-11-06)) or any successor systems thereto.
ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES
OF USERS AND 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.
(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 title IV, HEA program funds, disclosures
may be made to guaranty agencies, educational and financial
institutions, and their authorized representatives; to Federal, State,
Tribal, 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 title IV, HEA
obligation;
[[Page 48455]]
(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 a title IV, HEA
obligation, 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 title IV, HEA obligation;
(e) To permit originating, disbursing, servicing, collecting,
assigning, adjusting, transferring, referring, furnishing of credit
information, or discharging title IV, HEA obligations, disclosures may
be made to guaranty agencies, educational institutions, or financial
institutions that originated, held, serviced, or have been assigned the
title IV, HEA obligation, and their authorized representatives; to a
party identified by the debtor as willing to advance funds to repay the
title IV, HEA obligation; 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 provide customers with information to help them make
informed decisions on repayment options, including deferment,
forbearance, and recurring auto debit, based on their unique
situations, 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 to verify compliance
with contractual requirements or Federal, State, local, or Tribal
statutory, regulatory, or program requirements, disclosures may be made
to guaranty agencies, educational and financial institutions, third-
party servicers, and their authorized representatives; to Federal,
State, Tribal, 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
who owes a title IV, HEA obligation, 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 title IV, HEA obligation for litigation, to
provide support services for litigation on a title IV, HEA obligation,
to litigate a title IV, HEA obligation, or to audit the results of
litigation on a title IV, HEA obligation, disclosures may be made to
FFEL loan holders or servicers; Department contractors including but
not limited to, Federal Loan Servicers, NFP Federal Loan Servicers, the
Federal Perkins Servicer, PCAs and to guaranty agencies and their
authorized representatives; Federal, State, Tribal, or local agencies,
and their authorized representatives; and to adjudicative bodies;
(j) To prepare for, conduct, or enforce a limitation, suspension,
or 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 verify that HEA program requirements are met by educational
and financial institutions, guaranty agencies, Federal Loan Servicers,
NFP 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; to
accrediting agencies; to auditors engaged to conduct an audit of a
guaranty agency or an educational or financial institution; to Federal,
State, Tribal, or local agencies, and their authorized representatives;
and to adjudicative bodies;
(l) To verify whether a title IV, HEA obligation qualifies for
discharge, 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;
(m) To conduct credit checks or to respond to inquiries or disputes
arising from information on the title IV, HEA obligation already
furnished to a consumer reporting agency, disclosures may be made to
consumer 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, respond to, and resolve complaints submitted to
the Department or to Federal, State, local, or Tribal agencies
regarding an aid applicant's or recipient's title IV, HEA program
eligibility, the disbursement or servicing of a title IV, HEA
obligation, or the practices or processes of the Department and/or the
Department's contractors 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, Tribal, 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;
(o) To provide credit balances identified in the Department's
systems to Treasury for distribution, 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 title IV, HEA obligations in uniform formats and to permit
the Department to directly compare data submitted to the Department by
[[Page 48456]]
individual educational institutions, financial institutions, third-
party servicers, guaranty agencies, Federal Loan Servicers, NFP Federal
Loan Servicers, PCAs, and the Federal Perkins Loan Servicer,
disclosures may be made to educational institutions, financial
institutions, guaranty agencies, Federal Loan Servicers, the Federal
Perkins Loan Servicer, NFP Federal Loan Servicers, and PCAs;
(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; and
(r) To help Federal, State, Tribal, and local governmental entities
exercise their supervisory and administrative powers (including, but
not limited to, licensure, examination, discipline, regulation, or
oversight of educational institutions, Department contractors, guaranty
agencies, eligible lenders, and third-party servicers) or to
investigate, respond to, or resolve complaints submitted regarding the
practices or processes of the Department and/or the Department's
contractors, the Department may disclose records to governmental
entities at the Federal, State, Tribal, and local levels. These records
may include all aspects of records relating to title IV, HEA
obligations to permit these governmental entities to verify compliance
with debt collection, consumer protection, 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 safeguards
consistent with the Privacy Act 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 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) 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.
(4) 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.
(5) 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 or their Agents and
Contractors, and Professional Organizations or the Department's
Contractors. The Department may disclose a records to a Federal, State,
local, or other public authority or an agent or contractor of such
public agency, or professional organization, or the Department's
contractors in connection with the hiring or retention of an 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.
(6) 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 factfinder, mediator, or other
person designated to resolve issues or decide the matter.
(7) 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.
(8) Freedom of Information Act (FOIA) and Privacy Act Advice
Disclosure. The Department may disclose records to the DOJ or to 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.
(9) 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.
(10) Contracting Disclosure. If the Department contracts with an
entity for the purposes of performing any function that requires
disclosure of records in the system to the employees of the contractor,
the Department may disclose
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the records to those employees. As part of such a contract, the
Department shall require the contractor to agree 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.
(11) 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 agree to establish and
maintain safeguards to protect the security and confidentiality of the
disclosed records.
(12) Congressional Member Disclosure. The Department may disclose
the records of an individual to a member of Congress or the member's
staff when necessary to respond to an inquiry from the member made at
the written request of that individual and on behalf of that
individual. The member's right to the information is no greater than
the right of the individual who requested it.
(13) Disclosure to OMB or CBO for Credit Reform Act (CRA) Support.
The Department may disclose records to OMB or CBO as necessary to
fulfill CRA requirements in accordance with 2 U.S.C. 661b.
(14) Disclosure in the Course of Responding to a Breach of Data.
The Department may disclose records from this system of records to
appropriate agencies, entities, and persons when (a) the Department
suspects or has confirmed that there has been a breach of the system of
records; (b) the Department has determined that as a result of the
suspected or confirmed breach there is a risk of harm to individuals,
the Department (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 Department's efforts to
respond to the suspected or confirmed breach and prevent, minimize, or
remedy such harm.
(15) Disclosure in Assisting Another Agency in Responding to a
Breach of Data. The Department may disclose records from this system to
another Federal agency or Federal entity, when the Department
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.
(16) Disclosure to Third Parties Through Matching Programs. Unless
otherwise prohibited by other laws, any information from this system of
records, including personal information obtained from other agencies
through matching programs, may be disclosed to any third party through
a 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.
(17) Disclosure of Information to Treasury. The Department may
disclose records 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.
(18) Disclosure to National Archives and Records Administration
(NARA). The Department may disclose records from this system of records
to NARA for the purpose of records management inspections conducted
under authority of 44 U.S.C. 2904 and 2906.
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 STORAGE OF RECORDS:
The records are maintained in hardcopy, microfilm, magnetic
storage, and optical storage media, such as tape, disk, etc.
POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS:
Records in this system pertaining to a title IV, HEA loan borrower
or grant recipient are retrieved by one or more of the following data
elements: 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.
POLICIES AND PRACTICES FOR RETENTION AND DISPOSAL OF RECORDS:
All records are retained and disposed of in accordance with ED
Records Schedule 075: FSA Loan Servicing, Consolidation, and
Collections Records (N1-441-09-016) (ED 075). The Department has
submitted amendments to ED 075 for NARA's consideration and will
continue to preserve all records covered by ED 075 until the amendments
are approved.
ADMINISTRATIVE, TECHNICAL, AND PHYSICAL SAFEGUARDS:
All physical access to the Department's site, and to the sites of
the Federal Loan Servicers, the Federal Perkins Loan Servicer, PCAs,
and other
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contractors listed in 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 ACSD-OFO-013 entitled ``Contractor Employee Personnel
Security Screenings,'' all contract personnel who have facility access
and system access are required to undergo a security clearance
investigation. Individuals requiring access to Privacy Act records 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 records.
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
Information Technology (IT) Identification and Authentication (IA)
Standard 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 90 days or based on
the Zero Trust Strategy/Plan in accordance with the Department's IT IA
standards.
In accordance with the Federal Information Security Management Act
of 2002 (FISMA), as amended by the Federal Information Security
Modernization Act of 2014, every Department system must receive a
signed Authorization to Operate (ATO) from a designated Department
official. The ATO process includes a rigorous assessment of security
and privacy controls, a plan of actions and milestones to remediate any
identified deficiencies, and a continuous monitoring program.
FISMA controls implemented comprise a combination of management,
operational, and technical controls, and include the following control
families: access control, awareness and training, audit and
accountability, assessment, authorization, and monitoring,
configuration management, contingency planning, identification and
authentication, incident response, maintenance, media protection,
physical and environmental protection, planning, program management,
personnel security, personally identifiable information processing and
transparency, risk assessment, system and services acquisition, system
and communications protection, system and information integrity, and
supply chain risk management.
All of the Federal Loan Servicers, NFP Federal Loan Servicers, the
Federal Perkins Loan Servicer, PCAs, and other contractors, as listed
in ``SYSTEM LOCATION,'' undergo FISMA security authorizations. In
addition, access is monitored 24 hours per day, 7 days a week.
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.
NOTIFICATION PROCEDURES:
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.
EXEMPTIONS PROMULGATED FOR THE SYSTEM:
None.
HISTORY:
The system of records entitled ``Common Services for Borrowers
(CSB)'' (18-11-16) was originally published in the Federal Register on
January 23, 2006 (71 FR 3503-3507), modified on September 12, 2014 (79
FR 54685-54695) and on September 2, 2016 (81 FR 60683-60691), and last
modified on September 13, 2022 (87 FR 56003-56015).
[FR Doc. 2023-15931 Filed 7-26-23; 8:45 am]
BILLING CODE 4000-01-P
