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

1 Although 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 arethose 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


### 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 traditionallyunderserved 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


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

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,