Federal Register / Vol. 88, No. 165 / Monday, August 28, 2023 / Notices 58595 

DEPARTMENT OF HOUSING AND 

URBAN DEVELOPMENT 

[Docket No. FR–7077–N–16] 

Privacy Act of 1974; System of 

Records 

AGENCY: Office of Single-Family 

Program, HUD. 

ACTION: Notice of a new system of 

records. 

SUMMARY: Pursuant to the provisions of 

the Privacy Act of 1974, as amended, 

the Department of Housing and Urban 

Development (HUD) is issuing a public 

notice of its intent to create the Office 

of Single Family Program Development 

Privacy Act system of records, ‘‘Credit 

Alert Reporting Verification System 

(CAIVRS)’’, CAIVRS was developed by 

the HUD in June 1987 as a shared 

database of defaulted Federal debtors 

and enables processors of applications 

for Federal credit benefit to identify 

individuals who are in default or have 

had claims paid on direct or guaranteed 

Federal loans or are delinquent on other 

debts owed to Federal agencies. The 

purpose of this system is to enable 

program agencies to prescreen their 

borrowers and to broaden the Federal 

Government’s base in determining an 

applicant’s creditworthiness. Some of 

these factors include: verifying loan 

applicants are not in default or 

delinquent on direct or guaranteed loans 

of participating Federal programs, 

providing authorized users with a 

means to prescreen applicants for 

Federal credit benefit in order to avoid 

extending benefits to individuals who 

are considered credit risks, and 

demonstrating to the public the 

importance of meeting Federal 

obligations and its commitment to 

collecting delinquent debt. CAIVRS is 

included in the HUD’s inventory of 

record systems. 

DATES: Comments will be accepted on or 

before September 27, 2023. This 

proposed action will be effective on 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 or by any 

of the following methods: 

Federal e-Rulemaking Portal: http://

www.regulations.gov. Follow the 

instructions provided on that site to 

submit comments electronically. 

Fax: 202–619–8365. 

Email: www.privacy@hud.gov. 

Mail: Attention: Ladonne White; 

Department of Housing and Urban 

Development, 451 Seventh Street SW, 

Room 10139, Washington, DC 20410– 

0001. 

Instructions: All submissions received 

must include the agency name and 

docket number [Insert Docket Number] 

for this rulemaking. All comments 

received will be posted without change 

to http://www.regulations.gov, including 

any personal information provided. 

Docket: For access to the docket to 

read background documents or 

comments received, go to http://

www.regulations.gov. 

FOR FURTHER INFORMATION CONTACT: 

Ladonne White; 451 Seventh Street SW, 

Room 10139, Washington, DC 20410– 

0001; telephone number 202–708–3054 

(this is not a toll-free number). HUD 

welcomes and is prepared to receive 

calls from individuals who are deaf or 

hard of hearing, as well as individuals 

with speech or communication 

disabilities. To learn more about how to 

make an accessible telephone call, 

please visit https://www.fcc.gov/ 

consumers/guides/telecommunicationsrelay-service-trs. 

SUPPLEMENTARY INFORMATION: Single 

Family Program Development maintains 

the ‘‘CAIVRS (F57)’’ system of records. 

The purpose of this system is to enable 

program agencies to prescreen their 

borrowers and to broaden the Federal 

Government’s base in determining an 

applicant’s creditworthiness. Some of 

these factors include: verifying loan 

applicants are not in default or 

delinquent on direct or guaranteed loans 

of participating Federal programs, 

providing authorized users with a 

means to prescreen applicants for 

Federal credit benefit in order to avoid 

extending benefits to individuals who 

are considered credit risks, and 

demonstrating to the public the 

importance of meeting Federal 

obligations and its commitment to 

collecting delinquent debt. CAIVRS is 

included in the HUD’s inventory of 

record systems. The system contains 

borrowers with delinquent Federal debt 

and allows Federal agencies to reduce 

the risk of future credit default to 

Federal insured or guaranteed loan 

programs. 

SYSTEM NAME AND NUMBER: 

Credit Alert Reporting Verification 

System (CAIVRS)—HUD/HOU–04. 

SECURITY CLASSIFICATION: 

Unclassified. 

SYSTEM LOCATION: 

CAIVRS is located and operated at 

NASA’s John C. Stennis Space Flight 

Center, located at 1100 Balch Boulevard, 

Stennis Space Center, MS 39529–0001. 

SYSTEM MANAGER(S): 

Elissa Saunders, Director, Office of 

Single-Family Program Development, 

United States Department of Housing 

and Urban Development, 451 7th St. 

SW, Washington, DC 20410–1000; 

Phone (202) 402–2378; Email: 

Elissa.O.Saunders@hud.gov. 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

Section 203, National Housing Act, 

Public Law 73–479 (12 U.S.C. 1709); 

section 255, National Housing Act, 

Public Law 73–479 (12 U.S.C. 1701z– 

20); section 165, Housing and 

Community Development Act of 1987, 

Public Law 100–242 (42 U.S.C. 3543); 

section 31001, Debt Collection Act of 

1996 as amended, Public Law 104–134 

(31 U.S.C. 7701); and section 31001, 

Debt Collection Act of 1996 as amended, 

Public Law 104–134 (31 U.S.C. 3720B). 

Office of Management and Budget 

(OMB) Circulars A–129 (Policies for 

Federal Credit Programs and Non-Tax 

Receivables); the Budget and 

Accounting Acts of 1921 and 1950, as 

amended; the Debt Collection Act of 

1982, as amended; the Deficit Reduction 

Act of 1984, as amended, and the Debt 

Collection Improvement Act of 1996, as 

amended. 

PURPOSE(S) OF THE SYSTEM: 

The purpose of CAIVRS is to ensure 

participating Federal agencies and their 

authorized lenders will comply with the 

legal requirement to verify individuals 

applying for a federally backed loan, or 

other aid, are not presently delinquent 

on another Federal obligation. CAIVRS 

is a shared, inter-agency database 

managed by HUD where participating 

agencies are required to report 

delinquent federal debt. 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Individual borrowers who have 

applied for Federal housing loans and 

have fallen delinquent. 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Full Name, Social Security Number/ 

Taxpayer ID number (SSNs/TINs), Date 

of Birth, Email Addresses, Work 

address, Employee Identification 

Number, Home Address, Mother’s 

Maiden Name, and FHA Case Number. 

RECORD SOURCE CATEGORIES: 

F17C–FHA Connection (User ID and 

Password management), F71-Debt 

Collection and Asset Management 

System—Title I, F71A-Debt Collection 

and Asset Management System— 

Generic Debt, P278-Lender Electronic 

Assessment Portal, A75R—Financial 

Data Mart, VA-Department of Veteran 

Affairs Accounts Receivable Records 


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58596 Federal Register / Vol. 88, No. 165 / Monday, August 28, 2023 / Notices 

88VA244, SBA-Small Business 

Administration Disaster Loan Case File 

and Loan System, ED-Department of 

Education Common Services for 

Borrowers, USDA-United States 

Department of Agriculture Applicant, 

Borrower, Grantee, or Tenant File (Rural 

Development), DOJ-Department of 

Justice Debt Collection Enforcement 

System. 

ROUTINE USES OF RECORDS MAINTAINED IN THE

SYSTEM, INCLUDING CATEGORIES OF USERS AND

PURPOSES OF SUCH USES: 

(A) To a congressional office from the 

record of an individual, in response to 

an inquiry from the congressional office 

made at the request of that individual. 

(B) To Federal, State, and local 

agencies, their employees, and agents to 

conduct computer matching programs 

as regulated by the Privacy Act of 1974, 

as amended (5 U.S.C. 552a). 

(C) To Federal agencies, non-Federal 

entities, their employees, and agents 

(including contractors, their agents or 

employees; employees or contractors of 

the agents or designated agents); or 

contractors, their employees or agents 

with whom HUD has a contract, service 

agreement, grant, cooperative 

agreement, or computer matching 

agreement for: (1) detection, prevention, 

and recovery of improper payments; (2) 

detection and prevention of fraud, 

waste, and abuse in major Federal 

programs administered by a Federal 

agency or non-Federal entity; (3) 

detection of fraud, waste, and abuse by 

individuals in their operations and 

programs, but only if the information 

shared is necessary and relevant to 

verify pre-award and prepayment 

requirements before the release of 

Federal funds, prevent and recover 

improper payments for services 

rendered under programs of HUD or of 

those Federal agencies and non-Federal 

entities to which HUD provides 

information under this routine use. 

(D) To contractors, grantees, experts, 

consultants, Federal agencies, and nonFederal entities, including, but not 

limited to, State and local governments 

and other research institutions or their 

parties, and entities and their agents 

with whom HUD has a contract, service 

agreement, grant, or cooperative 

agreement, when necessary to 

accomplish an agency function, related 

to a system of records, for the purposes 

of statistical analysis and research in 

support of program operations, 

management, performance monitoring, 

evaluation, risk management, and policy 

development, or to otherwise support 

the Department’s mission. Records 

under this routine use may not be used 

in whole or in part to make decisions 

that affect the rights, benefits, or 

privileges of specific individuals. The 

results of the matched information may 

not be disclosed in identifiable form. 

(b) To a recipient who has provided 

the agency with advance, adequate 

written assurance that the record 

provided from the system of records 

will be used solely for statistical 

research or reporting purposes. Records 

under this condition will be disclosed 

or transferred in a form that does not 

identify an individual. 

(E) To contractors, grantees, experts, 

consultants and their agents, or others 

performing or working under a contract, 

service, grant, or cooperative agreement 

with HUD, when necessary to 

accomplish an agency function related 

to a system of records. Disclosure 

requirements are limited to only those 

data elements considered relevant to 

accomplishing an agency function. 

Individuals provided information under 

these routine use conditions are subject 

to Privacy Act requirements and 

disclosure limitations imposed on the 

Department. 

(F) To contractors, experts, and 

consultants with whom HUD has a 

contract, service agreement, or other 

assignment of the Department, when 

necessary to utilize data to test new 

technology and systems designed to 

enhance program operations and 

performance. 

(G) To appropriate agencies, entities, 

and persons when (1) HUD suspects or 

has confirmed there has breached the 

system of records; (2) HUD has 

determined that because of the 

suspected or confirmed breach there is 

a risk of harm to individuals, HUD 

(including its information systems, 

programs, and operations), the Federal 

Government, or national security; and 

(3) the disclosure made to such 

agencies, entities, and persons is 

reasonably necessary to assist in 

connection with HUD’s efforts to 

respond to the suspected or confirmed 

breach or to prevent, minimize, or 

remedy such harm. 

(H) To another Federal agency or 

Federal entity, when HUD determines 

that information from this system of 

record is reasonably necessary to assist 

the recipient agency or entity in (1) 

responding to a suspected or confirmed 

breach or (2) preventing, minimizing, or 

remedying the risk of harm to 

individuals, the recipient agency or 

entity (including its information 

systems, programs, and operations), the 

Federal government, or national security 

resulting from a suspected or confirmed 

breach. 

(I) (a) To appropriate Federal, State, 

local, tribal, or governmental agencies or 

multilateral governmental organizations 

responsible for investigating or 

prosecuting the violations of, or for 

enforcing or implementing, a statute, 

rule, regulation, order, or license, where 

HUD determines that the information 

would help to enforce civil or criminal 

laws. 

(b) To third parties during a law 

enforcement investigation, to the extent 

to obtain information pertinent to the 

investigation, disclosed such 

information is appropriate to the proper 

performance of the official duties of the 

officer making the disclosure. 

(J) (a) To a court, magistrate, 

administrative tribunal, or arbitrator 

while presenting evidence, including 

disclosures to opposing counsel or 

witnesses in civil discovery, litigation, 

mediation, or settlement negotiations; or 

in connection with criminal law 

proceedings; or in response to a 

subpoena or to a prosecution request 

when such records to be released are 

specifically approved by a court 

provided order. 

(b) To appropriate Federal, State, 

local, Tribal, or governmental agencies 

or multilateral governmental 

organizations responsible for 

investigating or prosecuting the 

violations of, or for enforcing or 

implementing, a statute, rule, 

regulation, order, or license, where HUD 

determines that the information would 

help to enforce civil or criminal laws. 

(c) To third parties during a law 

enforcement investigation to the extent 

to obtain information pertinent to the 

investigation, provided disclosure is 

appropriate to the proper performance 

of the official duties of the officer 

making the disclosure. 

(d) To another agency or to an 

instrumentality of any governmental 

jurisdiction within or under the control 

of the United States for a civil or 

criminal law enforcement activity if the 

activity is authorized by law, and if the 

head of the agency or instrumentality 

has made a written request to the agency 

that maintains the record, specifying the 

particular portion desired and the law 

enforcement activity for which the 

record is sought. 

(K) To any component of the 

Department of Justice or other Federal 

agency conducting litigation or in 

proceedings before any court, 

adjudicative, or administrative body, 

when HUD determines that the use of 

such records is relevant and necessary 

to the litigation and when any of the 

following is a party to the litigation or 

have an interest in such litigation: (1) 

HUD, or any component thereof; or (2) 

any HUD employee in his or her official 

capacity; or (3) any HUD employee in 


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Federal Register / Vol. 88, No. 165 / Monday, August 28, 2023 / Notices 58597 

his or her individual capacity where the 

Department of Justice or agency 

conducting the litigation has agreed to 

represent the employee; or (4) the 

United States, or any agency thereof, 

where HUD determines that litigation is 

likely to affect HUD or any of its 

components. 

(L) To match system users for security 

purposes. User-provided PII may be 

shared with HUD departmental 

enforcement offices and other Federal, 

State, local or Tribal law enforcement 

agencies if there is reason to believe that 

a user provided false information to 

obtain access to the system, and that 

providing such information would help 

enforce civil or criminal laws. 

(M) With the United States 

Department of Veterans Affairs (VA), to 

pre-screen applicants to determine if 

they are presently delinquent on any 

Federal debt reported by a participating 

agency, and to determine if they are 

eligible for a new federally backed loan 

or grant. 

With the United States Small 

Business Administration (SBA) to prescreen applicants to determine if they 

are presently delinquent on any Federal 

debt reported by a participating agency, 

and to determine if they are eligible for 

a new federally backed loan or grant. 

With the United States Department of 

Education to pre-screen applicants to 

determine if they are presently 

delinquent on any Federal debt reported 

by a participating agency, and to 

determine if they are eligible for a new 

federally backed loan or grant. 

With the United States Department of 

Agriculture (USDA) to pre-screen 

applicants to determine if they are 

presently delinquent on any Federal 

debt reported by a participating agency, 

and to determine if they are eligible for 

a new federally backed loan or grant. 

With the United States DOJ to prescreen applicants to determine if they 

are presently delinquent on any Federal 

debt reported by a participating agency, 

and to determine if they are eligible for 

a new federally backed loan or grant. 

POLICIES AND PRACTICES FOR STORAGE OF

RECORDS: 

Electronic only. 

POLICIES AND PRACTICES FOR RETRIEVAL OF

RECORDS: 

Name and Social Security Number/ 

Taxpayer ID Number (SSNS and TINS). 

POLICIES AND PRACTICIES FOR RENTENTION AND

DISPOSAL OF RECORDS: 

All records related to Federal Housing 

Administration (FHA) Mortgage Credit 

Alert report will be destroyed according 

to HUD Schedule Appendix 20 Single 

Family Home Mortgage Insurance 

Program Records, item 13B6 which 

states the following, destroy when 

superseded or obsolete. All records 

related to FHA Mortgage Credit 

Verification will be destroyed according 

to HUD Schedule Appendix 5 Technical 

Support Records, item 7 which states 

the following, destroy when superseded 

or obsolete. 

ADMINISTRATIVE, TECHNICAL, AND PHYSICAL

SAFEGUARDS: 

CAIVRS and its data are located on 

centralized servers within Federal 

facilities with access control in place. 

Physical controls include cypher and 

combination locks, key card-controlled 

access, security guards, closed circuit 

TV, identification badges, and safes. 

Administrative controls include 

encryption of back-up data, back-ups 

secured off-site, methods to ensure only 

authorized users have access to PII, 

periodic security audits, regular 

monitoring of system users’ behavior. 

Technical controls include encryption 

of Data at Rest and in Transit, firewalls 

at HUD and each reporting agency, rolebased access controls, user IDs and 

passwords, Least Privileged access, 

elevated and/or administrative 

privileged access, PIV cards, intrusion 

detection systems. Additional measures 

to safeguard the system include rolebased Privacy Act training required for 

HUD personnel responsible for CAIVRS 

system program management, IT 

security monitoring by the Department 

of Housing and Urban Development and 

the Department of Homeland Security. 

RECORD ACCESS PROCEDURES: 

Individuals requesting records of 

themselves should address written 

inquiries to the Department of Housing 

Urban and Development 451 7th Street 

SW, Washington, DC 20410–0001. For 

verification, individuals should provide 

their full name, current address, and 

telephone number. In addition, the 

requester must provide either a 

notarized statement or an unsworn 

declaration made under 24 CFR 16.4 

CONTESTING RECORD PROCEDURES: 

The HUD rule for contesting the 

content of any record pertaining to the 

individual by the individual concerned 

is published in 24 CFR 16.8 or may be 

obtained from the system manager. 

NOTIFICATION PROCEDURES: 

Individuals requesting notification of 

records of themselves should address 

written inquiries to the Department of 

Housing Urban Development, 451 7th 

Street SW, Washington, DC 20410–0001. 

For verification purposes, individuals 

should provide their full name, office or 

organization where assigned, if 

applicable, and current address and 

telephone number. In addition, the 

requester must provide either a 

notarized statement or an unsworn 

declaration made under 24 CFR 16.4. 

EXEMPTIONS PROMULGATED FOR THE SYSTEM: 

N/A. 

HISTORY: 

N/A. 

LaDonne White, 

Chief Privacy Officer, Office of 

Administration. 

[FR Doc. 2023–18447 Filed 8–25–23; 8:45 am] 

BILLING CODE 4210–67–P 

DEPARTMENT OF THE INTERIOR 

Fish and Wildlife Service 

[FWS–R3–ES–2023–N069; 

FXES11130300000–234–FF03E00000] 

Endangered and Threatened Species; 

Receipt of Recovery Permit 

Applications 

AGENCY: Fish and Wildlife Service, 

Interior. 

ACTION: Notice of receipt of permit 

applications; request for comments. 

SUMMARY: We, the U.S. Fish and 

Wildlife Service, have received 

applications for permits to conduct 

activities intended to enhance the 

propagation or survival of endangered 

or threatened species under the ESA. 

We invite the public and local, State, 

Tribal, and Federal agencies to comment 

on these applications. Before issuing 

any of the requested permits, we will 

take into consideration any information 

that we receive during the public 

comment period. 

DATES: We must receive your written 

comments on or before September 27, 

2023. 

ADDRESSES: Document availability and 

comment submission: Submit requests 

for copies of the applications and 

related documents, as well as any 

comments, by one of the following 

methods. All requests and comments 

should specify the applicant name(s) 

and application number(s) (e.g., 

ESXXXXXX; see table in 

SUPPLEMENTARY INFORMATION): 

• Email (preferred method): 

permitsR3ES@fws.gov. Please refer to 

the respective application number (e.g., 

Application No. ESXXXXXX) in the 

subject line of your email message. 

• U.S. Mail: Regional Director, Attn: 

Nathan Rathbun, U.S. Fish and Wildlife 

Service, Ecological Services, 5600 

American Blvd. West, Suite 990, 

Bloomington, MN 55437–1458. 


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