Federal Register / Vol. 79, No. 250 / Wednesday, December 31, 2014 / Notices 78839 

1Although pursuant to section 1017(a)(4)(E) of 

the Consumer Financial Protection Act, Public Law 

111–203, the CFPB is not required to comply with 

OMB-issued guidance, it voluntarily follows OMB 

privacy-related guidance as a best practice and to 

facilitate cooperation and collaboration with other 

agencies. 

EXEMPTIONS CLAIMED FOR THE SYSTEM: 

None. 

[FR Doc. 2014–30720 Filed 12–30–14; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

[Docket No CFPB–2014–0039] 

Privacy Act of 1974, as Amended 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice of a Revised Privacy Act 

System of Records. 

SUMMARY: In accordance with the 

Privacy Act of 1974, as amended, the 

Bureau of Consumer Financial 

Protection, hereinto referred to as the 

Consumer Financial Protection Bureau 

(‘‘CFPB’’ or the ‘‘Bureau’’), gives notice 

of the establishment of a Privacy Act 

System of Records. 

DATES: Comments must be received no 

later than January 30, 2015. The new 

system of records will be effective 

February 9, 2015, unless the comments 

received result in a contrary 

determination. 

ADDRESSES: You may submit comments, 

identified by the title and docket 

number (see above), by any of the 

following methods: 

• Electronic: privacy@cfpb.gov or 

http://www.regulations.gov. Follow the 

instructions for submitting comments. 

• Mail: Claire Stapleton, Chief 

Privacy Officer, Consumer Financial 

Protection Bureau, 1700 G Street NW., 

Washington, DC 20552. 

• Hand Delivery/Courier: Claire 

Stapleton, Chief Privacy Officer, 

Consumer Financial Protection Bureau, 

1275 First Street NE., Washington, DC 

20002. Comments will be available for 

public inspection and copying at 1275 

First Street NE., Washington, DC 20002 

on official business days between the 

hours of 10 a.m. and 5 p.m. Eastern 

Time. You can make an appointment to 

inspect comments by telephoning (202) 

435–7220. All comments, including 

attachments and other supporting 

materials, will become part of the public 

record and subject to public disclosure. 

You should submit only information 

that you wish to make available 

publicly. 

FOR FURTHER INFORMATION CONTACT: 

Claire Stapleton, Chief Privacy Officer, 

Consumer Financial Protection Bureau, 

1275 First Street NE., Washington, DC 

20002, (202) 435–7220. 

SUPPLEMENTARY INFORMATION: The CFPB 

revises its Privacy Act System of 

Records Notice (‘‘SORN’’) ‘‘CFPB.021— 

CFPB Consumer Education and 

Engagement Records.’’ In revising this 

SORN, the CFPB modifies the 

purpose(s) for which the records are 

maintained to clarify that information in 

the system will be used for research 

purposes in understanding and 

improving consumer awareness, 

understanding, and use of disclosures 

and communications regarding 

consumer financial products or services; 

and modifies the categories of records 

maintained by the system to include the 

following information: (1) Social 

Security numbers, voluntarily provided 

with informed consent, when needed to 

pull credit reports or otherwise connect 

data points across data sources to 

understand consumer financial 

decision-making and well-being and the 

effectiveness of financial education or 

financial capability programs, resources, 

tools, or interventions; (2) biographical 

information (e.g. race, ethnicity, date of 

birth, marital status, education level, 

household composition information, 

citizenship status, disability 

information, or veteran status) 

voluntarily provided with informed 

consent in order to understand the 

effectiveness of financial education or 

financial capability programs, resources, 

tools, or interventions, as it relates to 

certain populations; (3) credit report 

data; and (4) web analytics information 

that may be partially identifiable, 

including records of access to CFPB 

managed Web sites or resources 

including date(s) and time(s) of access, 

IP address of access, logs of internet 

activity related to use of the site or 

resource, the address that linked the 

user directly to the site or resource, in 

order to understand and enhance the 

effectiveness or usability of the site or 

resource. Finally, the Bureau makes 

several non-substantive changes as part 

of its annual review of this notice. 

The report of the new system of 

records has been submitted to the 

Committee on Oversight and 

Government Reform of the House of 

Representatives, the Committee on 

Homeland Security and Governmental 

Affairs of the Senate, and the Office of 

Management and Budget, pursuant to 

Appendix I to OMB Circular A–130, 

‘‘Federal Agency Responsibilities for 

Maintaining Records About 

Individuals,’’ dated November 30, 

2000,1 and the Privacy Act, 5 U.S.C. 

552a(r). 

The revised system of records entitled 

‘‘CFPB.021—CFPB Consumer Education 

and Engagement Records’’ is published 

in its entirety below. 

Dated: December 23, 2014. 

Claire Stapleton, 

Chief Privacy Officer, Bureau of Consumer 

Financial Protection. 

CFPB.021 

SYSTEM NAME: 

CFPB Consumer Education and 

Engagement Records 

SYSTEM LOCATION: 

Consumer Financial Protection 

Bureau, 1275 First Street NE., 

Washington, DC 20002. 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Individuals covered by this system are 

those who: Participate in CFPBsponsored or CFPB-funded financial 

education or financial capability 

programs, including financial education 

campaigns; utilize financial education 

web-tools or other financial education 

resources; or participate in surveys or 

other research conducted by the CFPB 

or by a third party, or by a third party 

on behalf of the CFPB. 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Records in the system regarding the 

individuals described above may 

include: (1) Contact information (name, 

phone numbers, email address); (2) 

unique identifiers provided to 

government employees; (3) information 

related to the participant’s financial 

status including bank account 

information, records of consumer 

financial transactions, and credit report 

data; (4) information on consumer 

characteristics collected in connection 

with financial education programs or 

the consumer’s business relationship 

with a third party; (5) bank account 

information (for payment to survey 

participants); (6) other information 

collected from or about consumers in 

response to surveys or other research 

methods; (7) information relating to the 

effectiveness of financial education 

programs or resources or access to 

financial products or services; (8) Social 

Security number(s), when needed to 

pull credit reports or otherwise connect 

data points across data sources to 

understand consumer financial 

decision-making and well-being and the 

effectiveness of financial education or 

financial capability programs, resources, 

tools, or interventions; (9) biographic 

information (e.g. race, ethnicity, date of 

birth, marital status, education level, 

household composition information, 

citizenship status, disability 

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78840 Federal Register / Vol. 79, No. 250 / Wednesday, December 31, 2014 / Notices 

information, veteran status) in order to 

understand the effectiveness of financial 

education or financial capability 

programs, resources, tools, or 

interventions, as it relates to specific 

populations; and (10) web analytics 

information that may be partially 

identifiable, including records of access 

to CFPB managed Web sites or resources 

including date(s) and time(s) of access, 

IP address of access, logs of internet 

activity related to use of the site or 

resource, the address that linked the 

user directly to the site or resource, in 

order to understand and enhance the 

effectiveness or usability of the site or 

resource. 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

Public Law 111–203, Title X, Sections 

1013 and 1022, codified at 12 U.S.C. 

5493 and 5512. 

PURPOSE(S): 

The Act established functions within 

the CFPB (1) to develop and implement 

initiatives to educate and empower 

consumers to make better informed 

financial decisions; (2) to develop and 

implement a strategy to improve the 

financial literacy of consumers, 

including access to financial 

information, products and services; (3) 

to do research regarding, among other 

things, (a) consumer awareness, 

understanding, and use of disclosures 

and communications regarding 

consumer financial products or services, 

(b) consumer awareness and 

understanding of and decision-making 

relevant to costs, risks, and benefits of 

consumer financial products or services, 

(c) consumer behavior with respect to 

consumer financial products and 

services, (d) experiences of traditionally 

underserved consumers, including unbanked and under-banked consumers, 

and (e) best practices and effective 

methods, tools, technology and 

strategies to educate and counsel seniors 

about personal finance management. 

Consistent with these functions, the 

purpose of the system is to enable the 

CFPB to identify and conduct effective 

financial education programs and also 

to collect, research, and publish certain 

information relevant to understanding 

and improving consumer financial 

decision-making and well-being. 

Although this SORN describes the 

information to be collected across many 

CFPB projects, for each project the CFPB 

will collect only the information needed 

to accomplish the specific purpose of 

that project. 

ROUTINE USES OF RECORDS MAINTAINED IN THE

SYSTEM, INCLUDING CATEGORIES OF USERS AND

THE PURPOSES OF SUCH USES: 

These records may be disclosed, 

consistent with the CFPB Disclosure of 

Records and Information Rules, 

promulgated at 12 CFR 1070 et seq., to: 

(1) Appropriate agencies, entities, and 

persons when: (a) The CFPB suspects or 

has confirmed that the security or 

confidentiality of information in the 

system of records has been 

compromised; (b) the CFPB has 

determined that, as a result of the 

suspected or confirmed compromise, 

there is a risk of harm to economic or 

property interests, identity theft or 

fraud, or harm to the security or 

integrity of this system or other systems 

or programs (whether maintained by the 

CFPB or another agency or entity) that 

rely upon the compromised 

information; and (c) the disclosure made 

to such agencies, entities, and persons is 

reasonably necessary to assist in 

connection with the CFPB’s efforts to 

respond to the suspected or confirmed 

compromise and prevent, minimize, or 

remedy such harm; 

(2) Another federal or state agency to 

(a) permit a decision as to access, 

amendment or correction of records to 

be made in consultation with or by that 

agency, or (b) verify the identity of an 

individual or the accuracy of 

information submitted by an individual 

who has requested access to or 

amendment or correction of records; 

(3) To the Office of the President in 

response to an inquiry from that office 

made at the request of the subject of a 

record or a third party on that person’s 

behalf; 

(4) Congressional offices in response 

to an inquiry made at the request of the 

individual to whom the record pertains; 

(5) Contractors, agents, or other 

authorized individuals performing work 

on a contract, service, cooperative 

agreement, job, or other activity on 

behalf of the CFPB or Federal 

Government and who have a need to 

access the information in the 

performance of their duties or activities; 

(6) The U.S. Department of Justice 

(‘‘DOJ’’) for its use in providing legal 

advice to the CFPB or in representing 

the CFPB in a proceeding before a court, 

adjudicative body, or other 

administrative body, where the use of 

such information by the DOJ is deemed 

by the CFPB to be relevant and 

necessary to the advice or proceeding, 

and such proceeding names as a party 

in interest: 

(a) The CFPB; 

(b) Any employee of the CFPB in his 

or her official capacity; 

(c) Any employee of the CFPB in his 

or her individual capacity where DOJ 

has agreed to represent the employee; or 

(d) The United States, where the 

CFPB determines that litigation is likely 

to affect the CFPB or any of its 

components; 

(7) A court, magistrate, or 

administrative tribunal in the course of 

an administrative proceeding or judicial 

proceeding, including disclosures to 

opposing counsel or witnesses 

(including expert witnesses) in the 

course of discovery or other pre-hearing 

exchanges of information, litigation, or 

settlement negotiations, where relevant 

or potentially relevant to a proceeding, 

or in connection with criminal law 

proceedings; 

(8) A grand jury pursuant either to a 

federal or state grand jury subpoena, or 

to a prosecution request that such 

record be released for the purpose of its 

introduction to a grand jury, where the 

subpoena or request has been 

specifically approved by a court. In 

those cases where the Federal 

Government is not a party to the 

proceeding, records may be disclosed if 

a subpoena has been signed by a judge; 

(9) Appropriate federal, state, local, 

foreign, tribal, or self-regulatory 

organizations or agencies responsible for 

investigating, prosecuting, enforcing, 

implementing, issuing, or carrying out a 

statute, rule, regulation, order, policy, or 

license if the information may be 

relevant to a potential violation of civil 

or criminal law, rule, regulation, order, 

policy or license; and 

(10) Appropriate federal, state, local, 

foreign, tribal or self-regulatory 

organizations or agencies or private 

entities that partner with the CFPB for 

research purposes. 

POLICIES AND PRACTICES FOR STORING, 

RETRIEVING, ACCESSING, RETAINING, AND

DISPOSING OF RECORDS IN THE SYSTEM: 

STORAGE: 

Paper and electronic records. 

RETRIEVABILITY: 

Records are retrievable by unique 

identifiers assigned to the records for 

purposes of longitudinal updating or for 

connecting data points across data 

sources, or by a variety of fields 

including, without limitation, the 

individual’s name and contact 

information, identifying file number, or 

other information collected in response 

to surveys or other research. 

SAFEGUARDS: 

Access to electronic records is 

restricted to authorized personnel who 

have been issued non-transferrable 

access codes and passwords. Other 

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Federal Register / Vol. 79, No. 250 / Wednesday, December 31, 2014 / Notices 78841 

records are maintained in locked file 

cabinets or rooms with access limited to 

those personnel whose official duties 

require access. 

RETENTION AND DISPOSAL: 

The CFPB will manage all computer 

and paper files in the system as 

permanent records until the disposition 

schedule for these records is approved 

by the National Archives and Records 

Administration, at which time, the 

CFPB will dispose of such files in 

accordance with the schedule. 

SYSTEM MANAGER(S) AND ADDRESS: 

Consumer Financial Protection 

Bureau, Associate Director, Consumer 

Education and Engagement, 1275 First 

Street NE., Washington, DC 20002. 

NOTIFICATION PROCEDURE: 

Individuals seeking notification and 

access to any record contained in this 

system of records, or seeking to contest 

its content, may inquire in writing in 

accordance with instructions appearing 

in Title 12, Chapter 10 of the CFR, 

‘‘Disclosure of Records and 

Information.’’ Address such requests to: 

Chief Privacy Officer, Bureau of 

Consumer Financial Protection, 1700 G 

Street NW., Washington, DC 20552. 

RECORD ACCESS PROCEDURES: 

See ‘‘Notification Procedures’’ above. 

CONTESTING RECORD PROCEDURES: 

See ‘‘Notification Procedures’’ above. 

RECORD SOURCE CATEGORIES: 

Information in this system is obtained 

directly from the individual who is the 

subject of these records, and/or from 

third parties, including depository or 

non-depository institutions, credit 

reporting agencies, counseling agencies 

or other businesses or organizations or 

governmental entities involved in the 

markets for consumer financial products 

or services or that provide financial 

education services. 

EXEMPTIONS CLAIMED FOR THE SYSTEM: 

None. 

[FR Doc. 2014–30655 Filed 12–30–14; 8:45 am] 

BILLING CODE 4810–AM–P 

DEPARTMENT OF DEFENSE 

Department of the Army 

[Docket ID USA–2014–0048] 

Proposed Collection; Comment 

Request 

AGENCY: Army & Air Force Exchange 

Service (Exchange), DoD. 

ACTION: Notice. 

SUMMARY: In compliance with the 

Paperwork Reduction Act of 1995, the 

Exchange announces a proposed public 

information collection and seeks public 

comment on the provisions thereof. 

Comments are invited on: (a) Whether 

the proposed collection of information 

is necessary for the proper performance 

of the functions of the agency, including 

whether the information shall have 

practical utility; (b) the accuracy of the 

agency’s estimate of the burden of the 

proposed information collection; (c) 

ways to enhance the quality, utility, and 

clarity of the information to be 

collected; and (d) ways to minimize the 

burden of the information collection on 

respondents, including through the use 

of automated collection techniques or 

other forms of information technology. 

DATES: Consideration will be given to all 

comments received by March 2, 2015. 

ADDRESSES: You may submit comments, 

identified by docket number and title, 

by any of the following methods: 

• Federal eRulemaking Portal: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

• Mail: Federal Docket Management 

System Office, 4800 Mark Center Drive, 

East Tower, Suite 02G09, Alexandria, 

VA 22350–3100. 

Instructions: All submissions received 

must include the agency name, docket 

number and title for this Federal 

Register document. The general policy 

for comments and other submissions 

from members of the public is to make 

these submissions available for public 

viewing on the Internet at http://

www.regulations.gov as they are 

received without change, including any 

personal identifiers or contact 

information. Any associated form(s) for 

this collection may be located within 

this same electronic docket and 

downloaded for review/testing. Follow 

the instructions at http://

www.regulations.gov for submitting 

comments. Please submit comments on 

any given form identified by docket 

number, form number, and title. 

FOR FURTHER INFORMATION CONTACT: To 

request more information on this 

proposed information collection or to 

obtain a copy of the proposal and 

associated collection instruments, 

please write to the Army and Air Force 

Exchange Service, Office of the General 

Counsel, Compliance Division, Attn: 

Teresa Schreurs, 3911 South Walton 

Walker Blvd., Dallas, TX 75236–1598 or 

call the Exchange Compliance Division 

at 800–967–6067. 

SUPPLEMENTARY INFORMATION: 

Title; Associated Form; and OMB 

Number: Exchange Retail Sales 

Transaction Data Surveys; ‘‘Barber Shop 

Customer Survey’’ (Exchange Form 

6150–003), ‘‘Laundry Dry Cleaning 

Customer Survey’’ (Exchange Form 

6150–005), ‘‘Army & Air Force 

Exchange Service Optical Center 

Customer Survey’’ (Exchange Form 

6150–006), ‘‘Army & Air Force 

Exchange Service Optometry Care 

Patient Customer Survey’’ (Exchange 

Form 6150–009), OMB Control Number 

0702–XXXX. 

Needs and Uses: The information 

collection requirement is necessary to 

enable the Exchange to fulfill its 

mission and enhance the military 

community by providing a world-wide 

system of Exchanges with merchandise 

and household goods similar to 

commercial stores and services; for use 

in responding to individual patron 

inquiries, assessing aggregate patron 

satisfaction with the delivery of the 

Exchange benefit, and in determining 

the appropriate product availability 

meeting the Exchange customers’ 

current/future needs and wants; to 

improve the efficiency and effectiveness 

of the Exchange’s marketing programs; 

to determine actions required to settle 

customer complaints; to electronically 

notify potential customers, who 

voluntarily provide their email address, 

and other personal information to 

receive information about special 

events, sales, and other information 

about shopping at the Exchange using 

voluntary opt-in procedures. 

Affected Public: Individuals or 

Households. 

Annual Burden Hours: 148,992. 

Number of Respondents: 595,968. 

Responses per Respondent: 1. 

Average Burden per Response: 15 

minutes. 

Frequency: On Occasion. 

Authorized or potentially authorized 

customers of the Army and Air Force 

Exchange Service information, who 

provide comments, suggestions, 

complaints, concerns, opinions, 

observations or other information 

pertaining to Exchange operations. The 

Exchange collects information 

electronically transmitted, or provided 

by customers via paper forms completed 

by the customer or by phone, which 

allows the Exchange to contact the 

customer for special events, sales, 

address customer complaints as well as 

provide information about shopping at 

the Exchange. The information provides 

valuable data to the Exchange, which is 

used to enhance operations and improve 

efficiencies of the Exchange marketing 

program, and to generally enrich the 

customers’ experience. If the Exchange 

does not receive the data, the Exchange 

efforts to improve the shopping 

experience would not be as effective, 

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