Federal Register / Vol. 76, No. 54 / Monday, March 21, 2011 / Notices 15309 

directed by Executive Order 12915, 

entitled ‘‘Federal Implementation of the 

North American Agreement on 

Environmental Cooperation.’’ The NAC 

is composed of 13 members 

representing academia, environmental 

non-governmental organizations, and 

private industry. The GAC consists of 12 

members representing state, local, and 

Tribal governments. The Committees are 

responsible for providing advice to the 

U.S. Representative on a wide range of 

strategic, scientific, technological, 

regulatory, and economic issues related 

to implementation and further 

elaboration of the NAAEC. 

The purpose of the meeting is to 

provide advice on the CEC’s 2011 Draft 

Operational Plan & Budget, and discuss 

other regional trans-boundary 

environmental issues. The meeting will 

also include a public comment session. 

A copy of the agenda will be posted at 

http://www.epa.gov/ocem/nacgacpage.htm. 

DATES: The National and Governmental 

Advisory Committees will hold an open 

meeting on Thursday, April 14, 2011, 

from 8:30 a.m. to 5 p.m., and Friday, 

April 15, from 8:30 a.m. until 2 p.m. 

ADDRESSES: The meeting will be held at 

the Capital Hilton, 1001 16th Street 

NW., Washington, DC 20036. 

Telephone: 202–393–1000. The meeting 

is open to the public, with limited 

seating on a first-come, first-served 

basis. 

FOR FURTHER INFORMATION CONTACT: 

Oscar Carrillo, Designated Federal 

Officer, carrillo.oscar@epa.gov, 202– 

564–0347, U.S. EPA, Office of Federal 

Advisory Committee Management and 

Outreach (1601–M), 1200 Pennsylvania 

Avenue, NW., Washington, DC 20460. 

SUPPLEMENTARY INFORMATION: Requests 

to make oral comments, or provide 

written comments to the Committees, 

should be sent to Oscar Carrillo, 

Designated Federal Officer, at the 

contact information above. 

Meeting Access: For information on 

access or services for individuals with 

disabilities, please contact Oscar 

Carrillo at 202–564–0347 or 

carrillo.oscar@epa.gov. To request 

accommodation of a disability, please 

contact Oscar Carrillo, preferably at 

least 10 days prior to the meeting, to 

give EPA as much time as possible to 

process your request. 

Dated: March 9, 2011. 

Oscar Carrillo, 

Designated Federal Officer. 

[FR Doc. 2011–6556 Filed 3–18–11; 8:45 am] 

BILLING CODE 6560–50–P 

FEDERAL DEPOSIT INSURANCE 

CORPORATION 

Privacy Act of 1974, as Amended; 

System of Records; Nationwide 

Mortgage Licensing System and 

Registry 

AGENCY: Federal Deposit Insurance 

Corporation. 

ACTION: Notice of New Privacy Act 

System of Records. 

SUMMARY: The Federal Deposit 

Insurance Corporation (FDIC) proposes 

to add one new system of records to its 

existing inventory of record systems 

subject to the Privacy Act of 1974 (5 

U.S.C. 552a). This new system of 

records is entitled Nationwide Mortgage 

Licensing System and Registry and will 

be used to register residential mortgage 

loan originators employed by federally 

regulated depository institutions as 

required by the Secure and Fair 

Enforcement for Mortgage Licensing Act 

(S.A.F.E. Act), 12 U.S.C. 5101. We 

hereby publish this notice for comment 

on the proposed system of records. 

DATES: Comments on the proposed 

system of records must be received on 

or before April 20, 2011. The proposed 

systems of records will become effective 

45 days following publication in the 

Federal Register, unless a superseding 

notice to the contrary is published 

before that date. 

ADDRESSES: You may submit written 

comments by any of the following 

methods: 

• Agency Web site: Located at 

http://www.fdic.gov/regulations/laws/

federal/propose.html. 

Follow instructions for submitting 

comments on this Web site. 

• E-mail: Send to 

comments@fdic.gov. Include ‘‘Notice of 

New System of Records’’ in the subject 

line. 

• Mail: Send to Hugo A. Zia, 

Supervisory Counsel, FOIA/Privacy Act 

Group, Attention: Comments, New 

Privacy Act System of Records, 550 17th 

Street, NW., Washington, DC 20429. 

All submissions should refer to ‘‘Notice 

of New Privacy Act System of Records.’’ 

By prior appointment, comments may 

also be inspected and photocopied in 

the FDIC Public Information Center, 

3501 North Fairfax Drive, Room E–1005, 

Arlington, Virginia 22226, between 9 

a.m. and 4 p.m. (EST), Monday to 

Friday. 

FOR FURTHER INFORMATION CONTACT: 

Hugo A. Zia, Supervisory Counsel, 

FOIA/Privacy Act Group, FDIC, 550 

17th Street, NW., Washington, DC 

20429, (703) 562–2671. 

SUPPLEMENTARY INFORMATION: In 

accordance with the Privacy Act of 

1974, as amended, the FDIC has 

conducted a review of its Privacy Act 

systems of records and has determined 

that it needs to add one new system of 

records to cover personal information 

submitted by residential mortgage loan 

originators and maintained in the 

Nationwide Mortgage Licensing System 

and Registry (NMLSR) pursuant to the 

S.A.F.E. Act. The new system of records 

is designated as FDIC–30–64–0032 

(Nationwide Mortgage Licensing System 

and Registry). 

The S.A.F.E. Act requires an 

employee of a bank, savings association, 

credit union or Farm Credit System 

institution and certain of their 

subsidiaries that are regulated by a 

Federal banking agency or the Farm 

Credit Administration who acts as a 

residential mortgage loan originator to 

register with the NMLSR, obtain a 

unique identifier, and maintain this 

registration. The NMLSR collects and 

stores information concerning a 

residential mortgage loan originator’s 

identity including personal history and 

experience and may include 

information related to any 

administrative, civil, or criminal 

findings by any governmental 

jurisdiction. The information will be 

collected by entering information online 

into the NMLSR Web site. Once 

collected, the information will be 

maintained in the NMLSR electronic 

system in a secured environment. 

The NMLSR is a Web-based system 

owned and operated by the State 

Regulatory Registry LLC (SRR). SRR is a 

limited-liability company established by 

Conference of State Bank Supervisors 

(CSBS) and the American Association of 

Residential Mortgage Regulators as a 

subsidiary of CSBS to develop and 

operate nationwide systems for State 

regulators in the financial services 

industry. SRR has contracted with the 

Financial Industry Regulatory Authority 

(FINRA) to build and maintain the 

NMLSR system. FINRA operates similar 

systems in the securities industry. More 

information about this system is 

available at http://mortgage.nationwide

licensingsystem.org/. 

FDIC–30–64–0032 

SYSTEM NAME: 

Nationwide Mortgage Licensing 

System and Registry. 

SECURITY CLASSIFICATION: 

Unclassified but sensitive. 

SYSTEM LOCATION: 

Financial Industry Regulatory 

Authority, 9509 Key West Avenue, 

mstockstill on DSKH9S0YB1PROD with NOTICES

15310 Federal Register / Vol. 76, No. 54 / Monday, March 21, 2011 / Notices 

Rockville, MD 20850 (Background 

Check System data). 

HP Enterprise Services Charlotte 

SMC, 9014 Research Drive, Charlotte, 

NC 28262 (Production Center). 

HP Enterprise Services Plano SMC, 

6901 Windcrest Drive, Plano, TX 75024 

(Dual Use Test and Disaster Recovery 

Facility). 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Residential mortgage loan originators 

(MLOs) employed with: a depository 

institution; a subsidiary owned and 

controlled by a depository institution 

and regulated by a Federal banking 

agency; or an institution regulated by 

the Farm Credit Administration. 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Contains information documenting 

identity, including name and former 

names, Social Security number, gender, 

date of birth, and place of birth; home 

and business contact information; the 

date on which the MLO becomes an 

employee with the institution; criminal 

history, including the results of a 

background check; financial servicesrelated employment history; civil, 

arbitration, regulatory, and disciplinary 

actions arising out of the MLO’s 

financial services; and licensure 

revocations and suspensions. 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

Section 1507 of the Secure and Fair 

Enforcement for Mortgage Licensing Act 

(S.A.F.E. Act (12 U.S.C. 5106)). 

PURPOSE(S): 

The system is utilized to register 

MLOs employed by state and federally 

regulated depository institutions in a 

national registry, as required by the 

S.A.F.E. Act. The information is 

maintained to support regulatory 

supervision while providing the general 

public with access to certain 

information concerning MLOs including 

names and employment histories. 

ROUTINE USES OF RECORDS MAINTAINED IN THE

SYSTEM, INCLUDING CATEGORIES OF USERS AND

THE PURPOSES OF SUCH USES: 

In addition to those disclosures 

generally permitted under 5 U.S.C. 

552a(b) of the Privacy Act, all or a 

portion of the records or information 

contained in this system may be 

disclosed outside the FDIC as a routine 

use as follows: 

(1) To appropriate Federal, State, and 

local authorities responsible for 

investigating or prosecuting a violation 

of, or for enforcing or implementing a 

statute, rule, regulation, or order issued, 

when the information indicates a 

violation or potential violation of law, 

whether civil, criminal, or regulatory in 

nature, and whether arising by general 

statute or particular program statute, or 

by regulation, rule, or order issued 

pursuant thereto; 

(2) To a court, magistrate, or other 

administrative body in the course of 

presenting evidence, including 

disclosures to counsel or witnesses in 

the course of civil discovery, litigation, 

or settlement negotiations or in 

connection with criminal proceedings, 

when the FDIC is a party to the 

proceeding or has a significant interest 

in the proceeding, to the extent that the 

information is determined to be relevant 

and necessary; 

(3) To a congressional office in 

response to an inquiry made by the 

congressional office at the request of the 

individual who is the subject of the 

record; 

(4) To appropriate Federal, State, local 

authorities, and other entities when (a) 

it is suspected or confirmed that the 

security or confidentiality of 

information in the system has been 

compromised; (b) there is a risk of harm 

to economic or property interests, 

identity theft or fraud, or harm to the 

security or integrity of this system or 

other systems or programs that rely 

upon the compromised information; and 

(c) the disclosure is made to such 

agencies, entities, and persons who are 

reasonably necessary to assist in efforts 

to respond to the suspected or 

confirmed compromise and prevent, 

minimize, or remedy such harm; and 

(5) To appropriate Federal agencies 

and other public authorities for use in 

records management inspections; 

(6) To other Federal, State or foreign 

financial institutions supervisory or 

regulatory authorities; 

(7) To depository institutions or their 

subsidiaries for use in registering 

employees as mortgage loan originators 

or renewing employee registrations; 

(8) To appropriate Federal, State, and 

local authorities, agencies, arbitrators, 

and other parties responsible for 

processing any personnel actions or 

conducting administrative hearings or 

corrective actions or grievances or 

appeals, or if needed in the performance 

of other authorized duties; 

(9) To contractors, grantees, 

volunteers, and others performing or 

working on a contract, service, grant, 

cooperative agreement, or project for the 

Federal Government; 

(10) To the appropriate governmental 

or self-regulatory organizations when 

relevant to the organization’s regulatory 

or supervisory responsibilities or if the 

information is relevant to a known or 

suspected violation of a law or licensing 

standard within that organization’s 

jurisdiction; 

(11) To third parties when the 

information relates to the employment 

history of, and publicly adjudicated 

disciplinary and enforcement actions 

against, mortgage loan originators that is 

included in Nationwide Mortgage 

Licensing System and Registry for 

access by the public in accordance with 

section 1507 of the S.A.F.E. Act. 

POLICIES AND PRACTICES FOR STORING, 

RETRIEVING, ACCESSING, RETAINING, AND

DISPOSING OF RECORDS IN THE SYSTEM: 

STORAGE: 

Records are stored in electronic 

media. 

RETRIEVABILITY: 

Records are retrieved by an individual 

MLO’s name or unique identification 

number and by the financial 

institution’s name. 

SAFEGUARDS: 

Records are stored in a locked 

environment. Access to the system is 

limited to users who satisfy a 

comprehensive background check. The 

extent to which users have access is 

based on pre-determined roles. All data 

exchanges take place over an encrypted 

network. 

RETENTION AND DISPOSAL: 

There is presently no records control 

schedule covering the disposition and 

retention of FDIC records maintained in 

NMLSR. FDIC staff will work with the 

National Archives and Records 

Administration to establish disposition 

and retention authority for FDIC records 

maintained in NMLSR. No data or other 

FDIC records of the system will be 

destroyed prior to obtaining such 

disposition and retention authority. 

SYSTEM MANAGER(S) AND ADDRESS: 

Director, Division of Risk 

Management Supervision, FDIC, 550 

17th Street, NW., Washington, DC 

20429. 

State Regulatory Registry LLC, 1155 

Connecticut Avenue, NW., Fifth Floor, 

Washington, DC 20036. 

NOTIFICATION PROCEDURES: 

Records created by a MLO in the 

Nationwide Mortgage Licensing System 

and Registry may be accessed or 

amended directly by the MLO. If 

assistance is required to access or 

amend such a record contact the NMLS 

Call Center at (240) 386–4444 or State 

Regulatory Registry LLC, 1155 

Connecticut Avenue, NW., Fifth Floor, 

Washington, DC 20036. Any other 

individual wishing to determine if he or 

she is named in this system of records 

mstockstill on DSKH9S0YB1PROD with NOTICES

Federal Register / Vol. 76, No. 54 / Monday, March 21, 2011 / Notices 15311 

or who is seeking access or amendment 

to records maintained in this system of 

records must submit a request in writing 

to Privacy@FDIC.Gov or to the Legal 

Division, FOIA/Privacy Act Group, 

FDIC, 550 17th Street, NW., 

Washington, DC 20429, in accordance 

with FDIC regulations at 12 CFR part 

310. The request to the FDIC should 

contain: (1) A statement that it is made 

pursuant to the Privacy Act of 1974, (2) 

the name of the system of records 

expected to contain the records 

requested or a concise description of 

such system of records, (3) necessary 

information to verify the identity of the 

requester, including the requester’s 

name and residence address, (4) a 

notarized statement attesting to the 

requester’s identity, and (5) any other 

information that may assist in the rapid 

identification of the records for which 

access or amendment is being requested. 

RECORD ACCESS PROCEDURES: 

Same as ‘‘Notification Procedures’’ 

above. 

CONTESTING RECORD PROCEDURES: 

Same as ‘‘Notification Procedures’’ 

above except that the envelope mailed 

to the FDIC should be clearly marked 

‘‘Privacy Act Amendment Request.’’ A 

request to the FDIC for amendment of a 

record should contain the information 

set forth in ‘‘Notification Procedures’’ 

above. In addition, the request should 

also: (1) Specify the portion of the 

record requested to be amended, and (2) 

describe the nature of and reasons for 

each requested amendment in 

accordance with FDIC regulations at 12 

CFR part 310. 

RECORD SOURCE CATEGORIES: 

Information maintained in this system 

is obtained from MLOs who submit 

information to the registry and the 

results of FBI background checks. 

EXEMPTIONS CLAIMED FOR THE SYSTEM: 

None. 

By order of the Board of Directors. 

Dated at Washington, DC, this 15th day of 

March, 2011. 

Robert E. Feldman, 

Executive Secretary. 

[FR Doc. 2011–6568 Filed 3–18–11; 8:45 am] 

BILLING CODE 6714–01–P 

FEDERAL RESERVE SYSTEM 

Change in Bank Control Notices; 

Acquisitions of Shares of a Bank or 

Bank Holding Company 

The notificants listed below have 

applied under the Change in Bank 

Control Act (12 U.S.C. 1817(j)) and 

§ 225.41 of the Board’s Regulation Y (12 

CFR 225.41) to acquire shares of a bank 

or bank holding company. The factors 

that are considered in acting on the 

notices are set forth in paragraph 7 of 

the Act (12 U.S.C. 1817(j)(7)). 

The notices are available for 

immediate inspection at the Federal 

Reserve Bank indicated. The notices 

also will be available for inspection at 

the offices of the Board of Governors. 

Interested persons may express their 

views in writing to the Reserve Bank 

indicated for that notice or to the offices 

of the Board of Governors. Comments 

must be received not later than April 4, 

2011. 

A. Federal Reserve Bank of Chicago 

(Colette A. Fried, Assistant Vice 

President) 230 South LaSalle Street, 

Chicago, Illinois 60690–1414: 

1. Lucinda Hill Alden, Los Angeles, 

California, as trustee for The Gilbert D. 

Hill Descendant’s Trust, The Roberta E. 

Hill Descendant’s Trust, The Julie Hill 

Irrevocable Trust Dated April 7, 2003, 

and the Lucinda Hill Irrevocable Trust 

Dated April 7, 2003, all of Los Angeles, 

California, to retain control of Newell 

Bancshares, Inc., Newell, Iowa, and 

thereby indirectly control First 

Community Bank, Newell, Iowa. 

B. Federal Reserve Bank of Kansas 

City (Dennis Denney, Assistant Vice 

President) 1 Memorial Drive, Kansas 

City, Missouri 64198–0001: 

1. Scott T. Athey, Enid, Oklahoma, to 

acquire control of Security Financial 

Services Corporation, parent of The 

Security National Bank of Enid, both in 

Enid, Oklahoma. 

Board of Governors of the Federal Reserve 

System, March 16, 2011. 

Jennifer J. Johnson, 

Secretary of the Board. 

[FR Doc. 2011–6541 Filed 3–18–11; 8:45 am] 

BILLING CODE 6210–01–P 

FEDERAL RESERVE SYSTEM 

Formations of, Acquisitions by, and 

Mergers of Bank Holding Companies 

The companies listed in this notice 

have applied to the Board for approval, 

pursuant to the Bank Holding Company 

Act of 1956 (12 U.S.C. 1841 et seq.) 

(BHC Act), Regulation Y (12 CFR part 

225), and all other applicable statutes 

and regulations to become a bank 

holding company and/or to acquire the 

assets or the ownership of, control of, or 

the power to vote shares of a bank or 

bank holding company and all of the 

banks and nonbanking companies 

owned by the bank holding company, 

including the companies listed below. 

The applications listed below, as well 

as other related filings required by the 

Board, are available for immediate 

inspection at the Federal Reserve Bank 

indicated. The application also will be 

available for inspection at the offices of 

the Board of Governors. Interested 

persons may express their views in 

writing on the standards enumerated in 

the BHC Act (12 U.S.C. 1842(c)). If the 

proposal also involves the acquisition of 

a nonbanking company, the review also 

includes whether the acquisition of the 

nonbanking company complies with the 

standards in section 4 of the BHC Act 

(12 U.S.C. 1843). Unless otherwise 

noted, nonbanking activities will be 

conducted throughout the United States. 

Unless otherwise noted, comments 

regarding each of these applications 

must be received at the Reserve Bank 

indicated or the offices of the Board of 

Governors not later than April 14, 2011. 

A. Federal Reserve Bank of Chicago 

(Colette A. Fried, Assistant Vice 

President) 230 South LaSalle Street, 

Chicago, Illinois 60690–1414: 

1. Home Financial Bancorp, Spencer, 

Indiana, to become a bank holding by 

acquiring 100 percent of the voting 

shares of Owen Community Bank, s.b., 

Spencer, Indiana. In connection with 

this application, Applicant also 

proposes to engage through its 

subsidiary, OCB Insurance Agency, Inc., 

Spencer, Indiana, in the sale of 

insurance in a town less than 5,000, 

pursuant to section 225.28 (b)(11)(iii)(A) 

of Regulation Y. 

B. Federal Reserve Bank of St. Louis 

(Glenda Wilson, Community Affairs 

Officer) P.O. Box 442, St. Louis, 

Missouri 63166–2034: 

1. The McGehee Bank Employee Stock 

Ownership Plan, McGehee, Arkansas, to 

acquire additional direct ownership of 

up to 35 percent of Southeast Financial 

Bankstock Corporation, McGehee, 

Arkansas, and thereby increase its 

indirect control of McGehee Bank, 

McGehee, Arkansas. 

Board of Governors of the Federal Reserve 

System, March 16, 2011. 

Jennifer J. Johnson, 

Secretary of the Board. 

[FR Doc. 2011–6542 Filed 3–18–11; 8:45 am] 

BILLING CODE 6210–01–P 

FEDERAL TRADE COMMISSION 

[File No. 102 3055] 

Legacy Learning Systems, Inc.; 

Analysis of Proposed Consent Order 

To Aid Public Comment 

AGENCY: Federal Trade Commission. 

ACTION: Proposed Consent Agreement. 

mstockstill on DSKH9S0YB1PROD with NOTICES