Federal Register / Vol. 79, No. 250 / Wednesday, December 31, 2014 / Notices 78837 

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. 

authorized taking is having more than a 

negligible impact on the species or stock 

of affected marine mammals, or if there 

is an unmitigable adverse impact on the 

availability of such species or stocks for 

subsistence uses. 

10. A copy of this Authorization and 

the Incidental Take Statement must be 

in the possession of each contractor who 

performs the construction work at the 

Bremerton Ferry Terminals. 

11. WSDOT is required to comply 

with the Terms and Conditions of the 

Incidental Take Statement 

corresponding to NMFS’ Biological 

Opinion. 

Dated: December 23, 2014. 

Donna S. Wieting, 

Director, Office of Protected Resources, 

National Marine Fisheries Service. 

[FR Doc. 2014–30540 Filed 12–30–14; 8:45 am] 

BILLING CODE 3510–22–P 

THE BUREAU OF CONSUMER 

FINANCIAL PROTECTION 

[Docket No: CFPB–2014–0038] 

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 ‘‘Bureau’’), gives notice of 

the establishment of a revised 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 1st St. NE., Washington, DC 20002. 

Comments will be available for public 

inspection and copying at 1275 1st St. 

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 1st St. NE., Washington, DC 20002, 

(202) 435–7220. 

SUPPLEMENTARY INFORMATION: The CFPB 

revises its Privacy Act System of 

Records Notice (SORN) ‘‘CFPB.001— 

CFPB Freedom of Information Act 

(FOIA)/Privacy Act (PA) System.’’ In 

revising this SORN, the CFPB is adding 

a new routine use to add that records 

may be provided to the National 

Archives and the Records 

Administration, Office of Government 

Information Services (OGIS), for all 

purposes set forth in 5 U.S.C. 

552(h)(2)(A–B) and (3). It also revises 

the Categories of Records section to 

indicate that the system also includes 

information related to requests for OGIS 

assistance. 

The report of the revised 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.001–CFPB Freedom of 

Information Act/Privacy Act System’’ is 

published in its entirety below. 

Date: December 23, 2014. 

Claire Stapleton, 

Chief Privacy Officer, Bureau of Consumer 

Financial Protection. 

CFPB.001 

SYSTEM NAME: 

CFPB Freedom of Information Act/

Privacy Act System. 

SYSTEM LOCATION: 

Consumer Financial Protection 

Bureau, 1275 1st St. NE., Washington, 

DC 20002. 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Individuals covered by this system are 

persons who cite the Freedom of 

Information Act or Privacy Act to 

request access to records or whose 

information requests are treated as FOIA 

requests. Other individuals covered 

include CFPB staff assigned to process 

such requests, and employees who may 

have responsive records or are 

mentioned in such records. FOIA 

requests are subject to the PA only to 

the extent that they concern individuals; 

information pertaining to corporations 

and other business entities and 

organizations are not subject to the PA. 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Records in the system may contain: 

(1) Correspondence with the requester 

including initial requests and appeals; 

(2) documents generated or compiled 

during the search and processing of the 

request; (3) fee schedules, cost 

calculations, and assessed cost for 

disclosed FOIA records; (4) documents 

and memoranda supporting the decision 

made in response to the request, 

referrals, and copies of records provided 

or withheld; (5) CFPB staff assigned to 

process, consider, and respond to 

requests and, where a request has been 

referred to another agency with equities 

in a responsive document, information 

about the individual handling the 

request on behalf of that agency; (6) 

information identifying the entity that is 

subject to the requests or appeals; (7) 

requester information, including name, 

address, phone number, email address; 

FOIA tracking number, phone number, 

fax number, or some combination 

thereof; and (8) for access requests 

under the Privacy Act, identifying 

information regarding both the party 

who is making the written request or 

appeal, and the individual on whose 

behalf such written requests or appeals 

are made, including name, Social 

Security number (SSNs may be 

submitted with documentation or as 

proof of identification), address, phone 

number, email address, FOIA number, 

phone number, fax number, or some 

combination thereof. This system also 

consists of records related to requests 

for OGIS assistance. 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

Pub. L. 111–203, Title X, Sections 

1011, 1012, 1021, codified at 12 U.S.C. 

5491, 5492, 5511; The Freedom of 

Information Act of 1996, as amended 5 

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78838 Federal Register / Vol. 79, No. 250 / Wednesday, December 31, 2014 / Notices 

U.S.C. 552; Privacy Act of 1974, as 

amended 5 U.S.C. 552a. 

PURPOSE(S): 

The information in the system is 

being collected to enable the CFPB to 

carry out its responsibilities under the 

FOIA and the PA, including enabling 

staff to receive, track, and respond to 

requests. This requires maintaining 

documentation gathered during the 

consideration and disposition process, 

administering annual reporting 

requirements, managing FOIA-related 

fees and calculations, and delivering 

responsive records. 

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’s 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) 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 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) Appropriate agencies, entities, and 

persons, including but not limited to 

potential expert witnesses or witnesses 

in the course of investigations, to the 

extent necessary to secure information 

relevant to the investigation; 

(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) 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, and to 

facilitate OGIS’ offering of mediation 

services to resolve disputes between 

persons making FOIA requests and 

administrative agencies. 

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 a variety of 

fields including, but not limited to, the 

requester’s name, the subject matter of 

request, requestor’s organization, FOIA 

tracking number, and staff member 

assigned to process the request. Records 

may also be searched by the address, 

phone number, fax number, email 

address of the requesting party, and 

subject matter of the request, or by some 

combination thereof. 

SAFEGUARDS: 

Access to electronic records is 

restricted to authorized personnel who 

have been issued non-transferrable 

access codes and passwords. Other 

records are maintained in locked file 

cabinets or rooms with access limited to 

those personnel whose official duties 

require access. 

RETENTION AND DISPOSAL: 

Computer and paper records will be 

maintained in accordance with 

published National Archives and 

Records Administration Disposition 

Schedule, Transmittal No. 22, General 

Records Schedule 14, Information 

Service Records. 

SYSTEM MANAGER(S) AND ADDRESS: 

Consumer Financial Protection 

Bureau, Chief FOIA Officer, 1275 1st St. 

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 the CFPB’s Disclosure of Records and 

Information Rules, promulgated at 12 

CFR 1070 et seq. Address such requests 

to: Chief Privacy Officer, Bureau of 

Consumer Financial Protection, 1275 1st 

St. NE., Washington, DC 20002. 

RECORD ACCESS PROCEDURES: 

See ‘‘Notification Procedures’’ above. 

CONTESTING RECORD PROCEDURES: 

See ‘‘Notification Procedures’’ above. 

RECORD SOURCE CATEGORIES: 

Information in this system covers 

individuals about whom records are 

maintained; agency staff assigned to 

help process, consider and respond to 

the request, including any appeals; 

entities filing requests or appeals on 

behalf of the requestor; other 

governmental authorities; and entities 

that are the subjects of the request or 

appeals. 

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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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