Federal Register / Vol. 77, No. 114 / Wednesday, June 13, 2012 / Notices 35359 

has been notified of the Council’s intent 

to take final action to address the 

emergency. 

Special Accommodations 

These meetings are physically 

accessible to people with disabilities. 

Requests for sign language 

interpretation or other auxiliary aids 

should be directed to the Council office 

(see ADDRESSES) at least 10 business 

days prior to each workshop. 

Dated: June 8, 2012. 

Tracey L. Thompson, 

Acting Director, Office of Sustainable 

Fisheries, National Marine Fisheries Service. 

[FR Doc. 2012–14408 Filed 6–12–12; 8:45 am] 

BILLING CODE 3510–22–P 

DEPARTMENT OF COMMERCE 

National Oceanic and Atmospheric 

Administration 

New England Fishery Management 

Council; Public Meeting 

AGENCY: National Marine Fisheries 

Service (NMFS), National Oceanic and 

Atmospheric Administration (NOAA), 

Commerce. 

ACTION: Notice; public meeting. 

SUMMARY: The New England Fishery 

Management Council’s (Council) VMS/ 

Enforcement Committee and Advisory 

Panel will meet to consider actions 

affecting New England fisheries in the 

exclusive economic zone (EEZ). 

DATES: The meeting will be held on 

Thursday, June 28, 2012 at 9:30 a.m. 

ADDRESSES: The meeting will be held at 

the Hilton Garden Inn, One Thurber 

Street, Warwick, RI 02886; telephone: 

(401) 734–9600; fax: (401) 734–9700. 

Council address: New England 

Fishery Management Council, 50 Water 

Street, Mill 2, Newburyport, MA 01950. 

FOR FURTHER INFORMATION CONTACT: Paul 

J. Howard, Executive Director, New 

England Fishery Management Council; 

telephone: (978) 465–0492. 

SUPPLEMENTARY INFORMATION: The items 

of discussion in the committee’s agenda 

are as follows: 

The VMS/Enforcement Committee 

and Advisory Panel will make 

recommendations for NOAA 

enforcement priorities for 2013. They 

will provide an open session for public 

comments concerning Compliance and 

Effectiveness of Regulations for New 

England Fishery Management Plans 

(FMPs). The Federal Register for the 

proposed rule on Confidentiality of 

Information will be discussed. Other 

Business may also be discussed. 

Although non-emergency issues not 

contained in this agenda may come 

before this group for discussion, those 

issues may not be the subject of formal 

action during this meeting. Action will 

be restricted to those issues specifically 

identified in this notice and any issues 

arising after publication of this notice 

that require emergency action under 

section 305(c) of the Magnuson-Stevens 

Fishery Conservation and Management 

Act, provided the public has been 

notified of the Council’s intent to take 

final action to address the emergency. 

Special Accommodations 

This meeting is physically accessible 

to people with disabilities. Requests for 

sign language interpretation or other 

auxiliary aids should be directed to Paul 

J. Howard (see ADDRESSES) at least 5 

days prior to the meeting date. 

Authority: 16 U.S.C. 1801 et seq. 

Dated: June 8, 2012. 

Tracey L. Thompson, 

Acting Director, Office of Sustainable 

Fisheries, National Marine Fisheries Service. 

[FR Doc. 2012–14348 Filed 6–12–12; 8:45 am] 

BILLING CODE 3510–22–P 

DEPARTMENT OF COMMERCE 

National Oceanic and Atmospheric 

Administration 

North Pacific Fishery Management 

Council; Public Meeting 

AGENCY: National Marine Fisheries 

Service (NMFS), National Oceanic and 

Atmospheric Administration (NOAA), 

Commerce. 

ACTION: Notice of a public meeting. 

SUMMARY: The North Pacific Fishery 

Management Council’s (Council) Golden 

King Crab Price Formula Committee is 

holding a meeting at the North Pacific 

Fishery Management Council office, 

Room 205. 

DATES: The meeting will be held on June 

28, 2012 from 1 p.m. to 5 p.m. and June 

29, 2012, from 8:30 a.m. to 5 p.m. 

ADDRESSES: The meeting will be held at 

the North Pacific Fishery Management 

Council, 605 W 4th Avenue, Suite 306, 

Anchorage, AK 99501. 

FOR FURTHER INFORMATION CONTACT: 

Mark Fina, Council staff; telephone: 

(907) 271–2809. 

SUPPLEMENTARY INFORMATION: The 

Committee is meeting concerning the 

arbitration system that is part of the 

Bering Sea and Aleutian Islands crab 

rationalization program. The Committee 

will give specific attention to the 

development of the price formula for 

golden king crab under the arbitration 

system. Additional information is 

posted on the Council Web site: 

http://www.alaskafisheries.noaa.gov/ 

npfmc/ 

Although non-emergency issues not 

contained in this agenda may come 

before this group for discussion, those 

issues may not be the subject of formal 

action during this meeting. Action will 

be restricted to those issues specifically 

listed in this notice and any issues 

arising after publication of this notice 

that require emergency action under 

section 305(c) of the Magnuson-Stevens 

Fishery Conservation and Management 

Act, provided the public has been 

notified of the Council’s intent to take 

final action to address the emergency. 

Special Accommodations 

The meeting is physically accessible 

to people with disabilities. Requests for 

sign language interpretation or other 

auxiliary aids should be directed to Gail 

Bendixen at (907) 271–2809 at least 7 

working days prior to the meeting date. 

Dated: June 8, 2012. 

Tracey L. Thompson, 

Acting Director, Office of Sustainable 

Fisheries, National Marine Fisheries Service. 

[FR Doc. 2012–14349 Filed 6–12–12; 8:45 am] 

BILLING CODE 3510–22–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

Privacy Act of 1974, as Amended 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice of proposed 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 July 13, 2012. The new system 

of records will be effective July 23, 2012 

unless the comments received result in 

a contrary determination. 

ADDRESSES: You may submit comments 

by any of the following methods: 

• Electronic: privacy@cfpb.gov. 

• Mail or Hand Delivery/Courier: 

Claire Stapleton, Chief Privacy Officer, 

Consumer Financial Protection Bureau, 

1700 G Street NW., Washington, DC 

20552. 

Comments will be available for public 

inspection and copying at 1700 G Street 


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35360 Federal Register / Vol. 77, No. 114 / Wednesday, June 13, 2012 / Notices 

NW., Washington, DC 20552, 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, 

1700 G Street NW., Washington, DC 

20552, (202) 435–7220. 

SUPPLEMENTARY INFORMATION: The DoddFrank Wall Street Reform and Consumer 

Protection Act (‘‘Act’’), Public Law 111– 

203, Title X, established the CFPB. The 

CFPB administers, enforces, and 

implements federal consumer financial 

law, and, among other powers, has 

authority to protect consumers from 

unfair, deceptive, and abusive practices 

when obtaining consumer financial 

products or services. 

Pursuant to Section 1100 of Title X of 

the Act, authority for the creation and 

maintenance of a national registration 

system for residential mortgage loan 

originators (‘‘MLOs’’), as required by 

Section 1507 of the Secure and Fair 

Enforcement for Mortgage Licensing 

Act, 12 U.S.C 5106 (the ‘‘S.A.F.E. Act’’), 

was transferred to the Bureau by an 

amendment to the S.A.F.E. Act. 

This national registration system, 

known as the Nationwide Mortgage 

Licensing System and Registry 

(‘‘NMLSR’’ or the ‘‘Federal Registry’’), 

allows MLOs employed by federal 

agency regulated institutions to register 

and submit required information about 

themselves and their backgrounds as 

required under Section 1507 of the 

S.A.F.E. Act, 12 U.S.C. 5106, or its 

implementing regulation, 12 CFR 1007. 

More information about this system is 

available at http://mortgage.nationwide

licensingsystem.org/. 

Information in the NMLSR is 

available to the Bureau, the Federal 

banking agencies (as defined in Section 

1503 of the S.A.F.E. Act, 12 U.S.C. 

5102(2)), and the Farm Credit 

Administration (‘‘FCA’’). An agency 

may retrieve non-public registration 

information only with respect to 

employees of the institutions subject to 

that agency’s respective authority. 

While the NMLSR also contains 

information required by individual 

states relating to the licensing of 

individuals who are MLOs practicing in 

their states, the CFPB does not claim 

ownership for those records, nor does 

this notice cover such records. 

To ensure full compliance with the 

Privacy Act of 1974, 5 U.S.C. 552a, as 

amended, the CFPB is providing notice 

of the transfer of authority for S.A.F.E. 

Act activities, including the regulations 

that require MLOs to register through 

the NMLSR, the existence and character 

of records maintained by the system, 

and the procedures by which such 

records may be accessed and amended 

by individuals as allowed under the 

Privacy Act and the Freedom of 

Information Act. The CFPB will 

maintain the records covered by this 

notice. 

The Dodd-Frank Wall Street Reform 

and Consumer Protection Act amended 

the S.A.F.E. Act and transferred 

responsibility for this system of records 

from the Federal banking agencies and 

the FCA to the Bureau. Those agencies 

that previously published notices 

establishing this system of records will 

revoke them upon this notice becoming 

effective, and this notice will serve as 

the sole notice for this system of 

records. 

The report of a 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, and the Privacy 

Act, 5 U.S.C. 552a(r). 

The system of records entitled, 

‘‘CFPB.019—Nationwide Mortgage 

Licensing System and Registry’’ is 

published in its entirety below. 

Dated: June 8, 2012. 

Claire Stapleton, 

Chief Privacy Officer, Bureau of Consumer 

Financial Protection. 

CFPB.019 

SYSTEM NAME: 

Nationwide Mortgage Licensing 

System and Registry. 

SYSTEM LOCATION: 

Consumer Financial Protection 

Bureau, 1700 G Street NW., Washington, 

DC 20552. 

State Regulatory Registry LLC, 1129 

20th Street NW., Washington, DC 20036. 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Individuals covered by this system 

include MLOs that are required to be 

registered under Section 1507 of the 

S.A.F.E. Act, 12 U.S.C. 5106, or its 

implementing regulation, 12 CFR 1007. 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Records in this system contain 

identifying information about MLOs 

including: Names and former or other 

names used; Social Security numbers; 

genders; dates and places of birth; home 

and business contact information; 

employment dates; criminal histories, 

including the results of criminal 

background checks; financial servicesrelated employment histories; civil, 

criminal, regulatory, and enforcement 

actions taken against MLOs in 

connection with their employment in 

the financial services industry; state 

license(s) held, status and license 

numbers, including license revocations 

and suspensions; fingerprint data; and 

unique identifiers assigned to NMLSR 

registrants. 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

Secure and Fair Enforcement for 

Mortgage Licensing Act (S.A.F.E. Act), 

Public Law 110–289, Division A, Title 

V, Sections 1501–1517, 122 Stat. 2654, 

2810–2824 (July 30, 2008), codified at 

12 U.S.C. 5106; The Dodd-Frank Wall 

Street Reform and Consumer Protection 

Act, Public Law 111–203, Title X, 

Section 1100 (5), codified at 12 U.S.C. 

5106. 

PURPOSE(S): 

The system allows for the registration 

of MLOs employed by federal agency 

regulated institutions in a national 

registry, as required by the S.A.F.E. Act. 

The information is maintained to 

support federal regulatory oversight 

while providing the public with access 

to certain information concerning MLOs 

employed by institutions regulated by 

the Federal banking agencies or the 

FCA, including names and employment 

histories of those MLOs. 

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 part 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 


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Federal Register / Vol. 77, No. 114 / Wednesday, June 13, 2012 / Notices 35361 

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 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 in the case of a proceeding, 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 or 

the CFPB 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 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; 

(8) 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; 

(9) 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; 

(10) 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; 

(11) To institutions employing MLOs 

that are required to be federally 

registered under Section 1507 of the 

S.A.F.E. Act, 12 U.S.C. 5106, for use in 

registering employees as mortgage loan 

originators or renewing employee 

registrations; 

(12) To the public when the 

information relates to the employment 

history of, and publicly adjudicated 

disciplinary and enforcement actions 

against, MLOs that is included in the 

NMLSR for access by the public in 

accordance with Section 1507 of the 

S.A.F.E. Act, 12 U.S.C. 5106; and 

(13) To the Federal Banking Agencies, 

as defined in section 1503 of the 

S.A.F.E. Act, 12 U.S.C. 5102(2), and the 

FCA, to carry out their oversight 

responsibilities for MLOs employed by 

entities subject to their respective 

authorities. 

POLICIES AND PRACTICES FOR STORING, 

RETRIEVING, ACCESSING, RETAINING, AND

DISPENSING OF RECORDS IN THE SYSTEM: 

STORAGE: 

Records maintained in this system are 

stored electronically and in file folders. 

Paper copies of individual records are 

made by authorized CFPB staff. 

RETRIEVABILITY: 

Records are retrievable by a variety of 

fields including, but not limited to: an 

individual MLO’s name or unique 

identification number; by the financial 

institution’s name or unique NMLS 

identification number; 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: 

The CFPB will maintain computer 

and paper records indefinitely until the 

National Archives and Records 

Administration approves the CFPB’s 

records disposition schedule. 

SYSTEM MANAGER(S) AND ADDRESS: 

Consumer Financial Protection 

Bureau, Assistant Director, Supervision, 

1700 G Street NW., Washington, DC 

20552. 

State Regulatory Registry LLC 1129 

20th Street NW., Washington, DC 20036. 

NOTIFICATION PROCEDURE: 

Records created by a MLO or by a 

MLO’s bank or bank subsidiary 

employer, or FCA institution or 

institution subsidiary employer, in the 

NMLSR may be accessed or amended 

directly by the MLO about whom the 

record pertains. If assistance is required 

to access, contest or amend such a 

record, individuals may contact the 

NMLS Call Center at (240) 386–4444, or 

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 maintained in this system 

is obtained from MLOs who submit 

information to the registry and the 

results of Federal Bureau of 

Investigation (FBI) background checks. 

EXEMPTIONS CLAIMED FOR THE SYSTEM: 

None. 

[FR Doc. 2012–14383 Filed 6–12–12; 8:45 am] 

BILLING CODE 4810–AM–P 


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