29312 Federal Register / Vol. 80, No. 98 / Thursday, May 21, 2015 / Notices 

an expedited service by a service 

representative of the creditor. 

f. Application of payments. Specific 

conduct requirements for card issuers 

related to the application of payments, 

including the requirement that credit 

card companies upon receipt of a 

payment in excess of the minimum 

payment amount due, must first apply 

the excess to the card balance bearing 

the highest interest rate, and then to 

each successive balance bearing the next 

highest rate of interest, until the 

payment is exhausted. 

g. Limitations on changes to fees, 

charges and annual percentage rates. 

Specific conduct requirements for card 

issuers related to certain changes to 

terms, including the requirement that a 

card issuer may not elect to increase the 

annual percentage rate or assess fees or 

other charges, with some exceptions. 

h. Disclosures related to payments 

and interest charges. Specific conduct 

requirements for card issuers related to 

disclosures about payment application 

and interest charges, including the 

requirement that credit card issuer 

provide disclosures on consumers’ 

periodic statements warning them that if 

they make only minimum payments on 

their accounts, they will pay more in 

interest, and it will take longer to pay 

off their account balance. 

i. Online publication of certain 

documents. Specific conduct 

requirements for card issuers related to 

the publication of certain documents 

online, including the requirement for a 

creditor to establish and maintain an 

Internet site and post the written 

agreement between the creditor and the 

consumer for each credit card account 

under an open-end consumer credit 

plan and that the creditor provide in 

electronic format the credit card 

agreement on the creditor’s Web site. 

Other Requirements Related to Loan 

Servicing 

(7) To what extent should the specific 

conduct requirements included in 

settlements between financing services 

providers and state law enforcement 

agencies inform policymakers and 

market participants considering options 

to improve the quality of student loan 

servicing? Respondents may wish to 

address, but need not be limited to, 

specific requirements contained in the 

National Mortgage Settlement (NMS), 

including protections related to 

members of the military and their 

families. 

(8) Describe any other standards of 

conduct required by statute, regulation, 

consent decree or other means that 

should inform policymakers and market 

participants when considering options 

to improve the quality of student loan 

servicing, including but not limited to, 

provisions related to: 

a. Payment handling and allocations; 

b. Periodic statement requirements; 

c. Disclosures required on periodic 

statements; 

d. Servicing transfers; 

e. Dispute resolution procedures; 

f. Request for information; 

g. Interest rate adjustment 

notifications; 

h. The imposition of fees; 

i. Imposition of interest rate penalties 

in response to changes in customer 

behavior; 

j. The availability and accessibility of 

affordable repayment options; or 

k. The ability for a lender to place a 

borrower or co-signer in default based 

on consumer behavior other than 

missed payments. 

(9) Describe the extent to which the 

existing statutory or regulatory 

protections afforded to consumers under 

the following laws should inform 

policymakers and market participants 

considering options to improve the 

quality of student loan servicing: 

a. Truth in Lending Act; 

b. Real Estate Settlement Procedures 

Act; 

c. Fair Credit Reporting Act; 

d. Fair Debt Collection Practices Act; 

e. Electronic Funds Transfer Act; 

f. Higher Education Act; or 

g. Federal Trade Commission Act. 

Part Three: Impact of Limits on 

Availability of Data About Student Loan 

Servicing and Student Loan Repayment 

on Borrowers 

The following section seeks to solicit 

input about the availability of data on 

student loan performance and on 

borrower characteristics during 

repayment. Respondents should 

consider existing data sources and gaps 

in availability that should inform 

policymakers and market participants 

considering options to improve the 

quality of student loan servicing. 

(10) To what extent do available data 

and reports about student loan 

repayment reveal usage and specific 

risks to student loan borrowers, 

including those related to: 

a. Loan performance, delinquency, 

and default; 

b. Utilization of income-driven 

payment plans and other alternative 

repayment options; or 

c. Utilization of repayment options 

that result in temporary cessation of 

payment, including deferment and 

forbearance. 

(11) To what extent do gaps in 

available data create problems for 

policymakers or other stakeholders 

seeking to evaluate consumer risks as it 

relates to student loan servicing? 

(12) To what extent are publicly 

available data sets in other consumer 

financial markets (e.g., the Bureau’s 

Home Mortgage Disclosure Act 

microdata, the OCC’s monthly mortgage 

metrics, and the Bureau’s Credit Card 

Agreement Database) instructive as 

policymakers consider ways to better 

afford the public and regulators the 

ability monitor trends in the market and 

assess consumer risks? 

Authority: 12 U.S.C. 5511(c). 

Dated: May 15, 2015. 

Christopher D’Angelo, 

Chief of Staff, Bureau of Consumer Financial 

Protection. 

[FR Doc. 2015–12276 Filed 5–20–15; 8:45 am] 

BILLING CODE 4810–25–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

[Docket ID: DoD–2015–OS–0052] 

Privacy Act of 1974; System of 

Records 

AGENCY: Office of the Secretary of 

Defense, DoD. 

ACTION: Notice to alter a System of 

Records. 

SUMMARY: The Office of the Secretary of 

Defense proposes to alter a system of 

records, DWHS E02, entitled ‘‘Freedom 

of Information Act Case Files’’ in its 

inventory of record systems subject to 

the Privacy Act of 1974, as amended. 

Information is being collected and 

maintained in this system for the 

purpose of processing FOIA requests 

and administrative appeals; for 

participating in litigation regarding 

agency action on such requests and 

appeals; and for assisting the DoD in 

carrying out any other responsibilities 

under FOIA. 

DATES: Comments will be accepted on or 

before June 22, 2015. This proposed 

action will be effective the date 

following the end of the comment 

period unless comments are received 

which result in a contrary 

determination. 

ADDRESSES: You may submit comments, 

identified by docket number and title, 

by any of the following methods: 

* Federal Rulemaking Portal: http://

www.regulations.gov. Follow the 

instructions for submitting comments. 

* Mail: Department of Defense, Office 

of the Deputy Chief Management 

Officer, Directorate of Oversight and 

Compliance, Regulatory and Audit 


tkelley on DSK3SPTVN1PROD with NOTICES
Federal Register / Vol. 80, No. 98 / Thursday, May 21, 2015 / Notices 29313 

Matters Office, 9010 Defense Pentagon, 

Washington, DC 20301–9010. 

Instructions: All submissions received 

must include the agency name and 

docket number 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. 

FOR FURTHER INFORMATION CONTACT: Ms. 

Cindy Allard, Chief, OSD/JS Privacy 

Office, Freedom of Information 

Directorate, Washington Headquarters 

Service, 1155 Defense Pentagon, 

Washington, DC 20301–1155, or by 

phone at (571) 372–0461. 

SUPPLEMENTARY INFORMATION: The Office 

of the Secretary of Defense notices for 

systems of records subject to the Privacy 

Act of 1974 (5 U.S.C. 552a), as amended, 

have been published in the Federal 

Register and are available from the 

address in the FOR FURTHER INFORMATION

CONTACT or at the Defense Privacy and 

Civil Liberties Office Web site at 

http://dpcld.defense.gov/.The proposed 

system report, as required by U.S.C. 

552a(r) of the Privacy Act of 1974, as 

amended, was submitted on May 15, 

2015, to the House Committee on 

Oversight and Government Reform, the 

Senate Committee on Governmental 

Affairs, and the Office of Management 

and Budget (OMB) pursuant to 

paragraph 4c of Appendix I to OMB 

Circular No. A–130, ‘‘Federal Agency 

Responsibilities for Maintaining 

Records About Individuals,’’ dated 

February 8, 1996 (February 20, 1996, 61 

FR 6427). 

Dated: May 18, 2015. 

Aaron Siegel, 

Alternate OSD Federal Register Liaison 

Officer, Department of Defense. 

DWHS E02 

SYSTEM NAME: 

Freedom of Information Act Case 

Files (January 28, 2013, 78 FR 5783). 

CHANGES: 

* * * * * 

SYSTEM NAME: 

Delete entry and replace with 

‘‘Freedom of Information Act (FOIA) 

Case Files.’’ 

SYSTEM LOCATION: 

Delete entry and replace with 

‘‘Washington Headquarters Services 

(WHS) records: Freedom of Information 

Division, Executive Services Directorate, 

Washington Headquarters Services, 

4800 Mark Center Drive, Alexandria, VA 

22350–3100. 

DoD Education Activity (DoDEA) 

records: Department of Defense 

Education Activity, Freedom of 

Information Act Requester Service 

Center, Executive Services Office, 4800 

Mark Center Drive, Alexandria, VA 

22350–1400.’’ 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Delete entry and replace with 

‘‘Individuals who have requested 

documents under the provisions of the 

FOIA from the Office of the Secretary of 

Defense/Joint Staff (OSD/JS), and the 

DoDEA, FOIA Requester Service 

Centers; individuals whose requests 

and/or records have been processed 

under the FOIA and referred by other 

Federal agencies; and attorneys 

representing individuals submitting 

such requests.’’ 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Delete entry and replace with 

‘‘Records created or compiled in 

response to FOIA requests and 

administrative appeals, i.e., original 

requests and administrative appeals 

(including requesters name, mailing 

address, FOIA case number, date and 

subject of the request, with some 

requesters also voluntarily submitting 

additional information such as 

telephone numbers and email 

addresses), responses to such requests 

and administrative appeals; all related 

memoranda, correspondence, notes, and 

other related or supporting 

documentation; and copies of requested 

records and records under 

administrative appeal.’’ 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

Delete entry and replace with ‘‘5 

U.S.C. 552, Freedom of Information Act; 

10 U.S.C. 113, Secretary of Defense; DoD 

Directive 5400.07, DoD Freedom of 

Information Act (FOIA) Program; DoD 

Regulation 5400.7–R, DoD Freedom of 

Information Act Program; and 

Administrative Instruction 108, Office 

of the Secretary of Defense and Joint 

Staff (JS) Freedom of information Act 

(FOIA) Program.’’ 

PURPOSE(S): 

Delete entry and replace with 

‘‘Information is being collected and 

maintained for the purpose of 

processing FOIA requests and 

administrative appeals; for participating 

in litigation regarding agency action on 

such requests and appeals; and for 

assisting the DoD in carrying out any 

other responsibilities under the FOIA.’’ 

ROUTINE USES OF RECORDS MAINTAINED IN THE

SYSTEM, INCLUDING CATEGORIES OF USERS AND

THE PURPOSES OF SUCH USES: 

Delete entry and replace with ‘‘In 

addition to those disclosures generally 

permitted under 5 U.S.C. 552a(b) of the 

Privacy Act of 1974, as amended, these 

records may specifically be disclosed 

outside the DoD as a routine use 

pursuant to 5 U.S.C. 552a(b)(3) as 

follows: 

To the National Archives and Records 

Administration, Office of Government 

Information Services (OGIS), to the 

extent necessary to fulfill its 

responsibilities in 5 U.S.C. 552(h), to 

review administrative agency policies, 

procedures and compliance with the 

Freedom of Information Act (FOIA), and 

to facilitate OGIS’ offering of mediation 

services to resolve disputes between 

persons making FOIA requests and 

administrative agencies. 

Law Enforcement Routine Use: If a 

system of records maintained by a DoD 

Component to carry out its functions 

indicates a violation or potential 

violation of law, whether civil, criminal, 

or regulatory in nature, and whether 

arising by general statute or by 

regulation, rule, or order issued 

pursuant thereto, the relevant records in 

the system of records may be referred, 

as a routine use, to the agency 

concerned, whether federal, state, local, 

or foreign, charged with the 

responsibility of investigating or 

prosecuting such violation or charged 

with enforcing or implementing the 

statute, rule, regulation, or order issued 

pursuant thereto. 

Disclosure to the Department of 

Justice for Litigation Routine Use: A 

record from a system of records 

maintained by a DoD Component may 

be disclosed as a routine use to any 

component of the Department of Justice 

for the purpose of representing the DoD, 

or any officer, employee or member of 

the Department in pending or potential 

litigation to which the record is 

pertinent. 

Disclosure of Information to the 

National Archives and Records 

Administration Routine Use: A record 

from a system of records maintained by 

a DoD Component may be disclosed as 

a routine use to the National Archives 

and Records Administration for the 

purpose of records management 

inspections conducted under authority 

of 44 U.S.C. 2904 and 2906. 

Data Breach Remediation Purposes 

Routine Use: A record from a system of 

records maintained by a Component 

may be disclosed to appropriate 

agencies, entities, and persons when (1) 

The Component suspects or has 

confirmed that the security or 


tkelley on DSK3SPTVN1PROD with NOTICES
29314 Federal Register / Vol. 80, No. 98 / Thursday, May 21, 2015 / Notices 

confidentiality of the information in the 

system of records has been 

compromised; (2) the Component 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 

Component or another agency or entity) 

that rely upon the compromised 

information; and (3) the disclosure 

made to such agencies, entities, and 

persons is reasonably necessary to assist 

in connection with the Components 

efforts to respond to the suspected or 

confirmed compromise and prevent, 

minimize, or remedy such harm. 

The DoD Blanket Routine Uses set 

forth at the beginning of the OSD 

compilation of systems of records 

notices may apply to this system. The 

complete list of DoD blanket routine 

uses can be found online at: http://

dpcld.defense.gov/Privacy/

SORNsIndex/

BlanketRoutineUses.aspx’’. 

* * * * * 

RETRIEVABILITY: 

Delete entry and replace with 

‘‘Retrieved by name of requester, subject 

matter, date of request, and FOIA 

request case number.’’ 

* * * * * 

SYSTEM MANAGER(S) AND ADDRESS: 

Delete entry and replace with ‘‘WHS 

records: Chief, Freedom of Information 

Division, Executive Services Directorate, 

Washington Headquarters Services, 

1155 Defense Pentagon, Washington, DC 

20301–1155. 

DoDEA records: Chief, Department of 

Defense Education Activity, Freedom of 

Information Act Requester Service 

Center, Executive Services Office, 4800 

Mark Center Drive, Alexandria, VA 

22350–1400.’’ 

NOTIFICATION PROCEDURE: 

Delete entry and replace with 

‘‘Individuals seeking to determine 

whether information about themselves 

is contained in this system of records 

should address written inquiries to: 

WHS records: Chief, Freedom of 

Information Division, Executive 

Services Directorate, Washington 

Headquarters Services, 1155 Defense 

Pentagon, Washington, DC 20301–1155. 

DoDEA records: Chief, Department of 

Defense Education Activity, Freedom of 

Information Act Requester Service 

Center, Executive Services Office, 4800 

Mark Center Drive, Alexandria, VA 

22350–1400. 

Signed written requests should 

include the requester’s name, mailing 

address, and name and number of this 

system of records notice.’’ 

RECORD ACCESS PROCEDURES: 

Delete entry and replace with 

‘‘Individuals seeking access to 

information about themselves contained 

in this system of records should address 

written inquiries to: 

WHS records: Office of the Secretary 

of Defense/Joint Staff Freedom of 

Information Act Requester Service 

Center, Office of Freedom of 

Information, Washington Headquarters, 

1155 Defense Pentagon, Washington, DC 

20301–1155. 

DoDEA records: Department of 

Defense Education Activity, Freedom of 

Information Act Requester Service 

Center, Executive Services Office, 4800 

Mark Center Drive, Alexandria, VA 

22350–1400. 

Note: For DoDEA records, a non-custodial 

parent or legal guardian requesting records 

pertaining to his or her minor child or ward 

must also provide evidence of that 

relationship. For example, such parent or 

legal guardian may provide a copy of a 

divorce decree or a child custody or 

guardianship order that includes the child’s 

name. 

Requests for information should be in 

writing, signed, and provide evidence of 

the requester’s identity, such as a copy 

of a photo ID or passport or similar 

document bearing the requesters 

signature. Requests must contain the 

requesters name, mailing address, FOIA 

case number, name and number of this 

system of records notice and be signed.’’ 

CONTESTING RECORD PROCEDURES: 

Delete entry and replace with ‘‘The 

OSD rules for accessing records, for 

contesting contents and appealing 

initial agency determinations are 

published in OSD Administrative 

Instruction 81; 32 CFR part 311; or may 

be obtained from the system manager.’’ 

RECORD SOURCE CATEGORIES: 

Delete entry and replace with 

‘‘Individuals who submit initial requests 

and administrative appeals pursuant to 

the FOIA; the agency records searched 

in the process of responding to such 

requests and appeals; DoD personnel 

assigned to handle such requests and 

appeals; other agencies or entities that 

have referred to the DoD requests 

concerning DoD records or that have 

consulted with the DoD regarding the 

handling of particular requests; 

submitters of records; and information 

from those that have provided 

assistance to the DoD in making FOIA 

access determinations.’’ 

EXEMPTIONS CLAIMED FOR THE SYSTEM: 

Delete entry and replace with ‘‘During 

the course of a FOIA action, exempt 

materials from other systems of records 

may, in turn, become part of the case 

records in this system. To the extent 

that copies of exempt records from those 

other systems of records are entered into 

this FOIA case record, WHS, and the 

DoDEA, hereby claim the same 

exemptions for the records from those 

other systems that are entered into this 

system, as claimed for the original 

primary systems of records which they 

are a part. 

An exemption rule for this system has 

been promulgated in accordance with 

requirements of 5 U.S.C. 553(b)(1), (2), 

and (3), (c), and (e) and published in 32 

CFR part 311. For additional 

information contact the system 

manager.’’ 

[FR Doc. 2015–12334 Filed 5–20–15; 8:45 am] 

BILLING CODE 5001–06–P 

DEPARTMENT OF DEFENSE 

Office of the Secretary 

[Docket ID: DoD–2015–OS–0053] 

Proposed Collection; Comment 

Request 

AGENCY: Defense Logistics Agency, DoD. 

ACTION: Notice. 

SUMMARY: In compliance with the 

Paperwork Reduction Act of 1995, the 

Defense Logistics Agency 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 July 20, 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: Department of Defense, Office 

of the Deputy Chief Management 


tkelley on DSK3SPTVN1PROD with NOTICES