Federal Register / Vol. 76, No. 147 / Monday, August 1, 2011 / Notices 45759 

investigations, administrative 

proceedings, and litigation, and the 

attorney or non-attorney representative 

for that entity or person. 

POLICIES AND PRACTICES FOR STORING, 

RETRIEVING, ACCESSING, RETAINING, AND

DISPENSING OF RECORDS IN THE SYSTEM: 

STORAGE: 

Paper and electronic records. 

RETRIEVABILITY: 

Records are retrievable by a variety of 

fields including without limitation the 

individual’s name, address, account 

number, social security number, 

transaction number, phone number, 

date of birth, 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 Record 

Administration approves the CFPB’s 

records disposition schedule. 

SYSTEM MANAGER(S) AND ADDRESS: 

The Consumer Financial Protection 

Bureau, Assistant Director for 

Enforcement, 1801 L Street, NW., 

Washington, DC 20036. 

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, 1801 L 

St., NW., Washington, DC 20036. 

RECORD ACCESS PROCEDURES: 

See ‘‘Notification Procedures’’ above. 

CONTESTING RECORD PROCEDURES: 

See ‘‘Notification Procedures’’ above. 

RECORD SOURCE CATEGORIES: 

Information in this system is obtained 

from banks, savings associations, credit 

unions, or non-depository institutions 

or other persons offering or providing 

consumer financial products or services, 

current, former, and prospective 

consumers who are or have been 

customers or prospective employees and 

agents of such persons, and current, 

former, and prospective customers of 

such entities and persons, and others 

with information relevant to the 

enforcement of federal consumer 

financial laws. 

EXEMPTIONS CLAIMED FOR THE SYSTEM: 

Portions of the records in this system 

are complied for law enforcement 

purposes and are exempt from 

disclosure under CFPB’s Privacy Act 

regulations and 5 U.S.C. 552a(k)(2). 

Federal criminal law enforcement 

investigatory reports maintained as part 

of this system may be the subject of 

exemptions imposed by the originating 

agency pursuant to 5 U.S.C. 552a(j)(2). 

[FR Doc. 2011–19424 Filed 7–29–11; 8:45 am] 

BILLING CODE 4810–25–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’’) gives notice of the 

establishment of a Privacy Act System 

of Records. 

DATES: Comments must be received no 

later than August 31, 2011. The new 

system of records will be effective 

September 12, 2011 unless the 

comments received result in a contrary 

determination. 

ADDRESSES: You may submit comments, 

identified by Docket No. CFPB–2011– 

0014, by any of the following methods: 

• Electronic: http://www.regulations.

gov. Follow the instructions for 

submitting comments. 

• Mail or Hand Delivery/Courier in 

Lieu of Mail: Claire Stapleton, Chief 

Privacy Officer, Consumer Financial 

Protection Bureau, 1801 L Street, NW., 

Washington, DC 20036. 

All submissions must include the 

agency name and docket number or 

Regulatory Information Number (RIN) 

for this notice. In general all comments 

received will be posted without change 

to http://www.regulations.gov. In 

addition, comments will be available for 

public inspection and copying at 1801 

L St., NW., Washington, DC 20036, 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, 

1801 L. Street, NW., Washington, DC 

20036, (202) 435–7220. 

SUPPLEMENTARY INFORMATION: The DoddFrank Wall Street Reform and Consumer 

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

203, Title X, established the CFPB to 

administer and enforce federal 

consumer financial protection law. The 

CFPB will maintain the records covered 

by this notice. 

The new systems of records described 

in this notice, CFPB.006—Social 

Networks and Citizen Engagement 

System, will assist the CFPB by 

providing effective, social media-based 

ways to share information and interact 

with the public. A description of the 

new system of records follows this 

Notice. 

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.006—Social Networks and 

Citizen Engagement System’’ is 

published in its entirety below. 

Dated: July 27, 2011. 

Claire Stapleton, 

Chief Privacy Officer. 

CFPB.006 

SYSTEM NAME: 

CFPB Social Networks and Citizen 

Engagement System. 

SYSTEM LOCATION: 

Consumer Financial Protection 

Bureau, 1801 L Street, NW., 

Washington, DC 20036. 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Users of social media who interact 

with the CFPB through various social 

media outlets, including but not limited 

to third-party sites and services such as 


srobinson on DSK4SPTVN1PROD with NOTICES
45760 Federal Register / Vol. 76, No. 147 / Monday, August 1, 2011 / Notices 

1Section 1066 of the Act grants the Secretary of 

the Treasury interim authority to perform certain 

functions of the CFPB. Pursuant to that authority, 

Treasury published rules on the Disclosure of 

Records and Information within 12 CFR Chapter X. 

This SORN is published pursuant to those rules and 

the Privacy Act. 

Facebook, Twitter, YouTube, and Flickr. 

Other covered individuals may include 

those who sign on to various parts of the 

CFPB web site with a user identity 

provided by a third-party, such as 

Disqus. These may be members of the 

public, employees, or contractors. 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Records maintained in the system 

may contain information that an 

individual shares with the CFPB 

through various social media sites and 

services. They may also contain 

information that is stored to ensure that 

an individual can access web sites 

where a login is required. This may 

include without limitation: name, 

username, email address, birth date, 

security questions, IP addresses, 

location, passwords, authentication, 

business affiliation, demographic 

information, videos, photos, and other 

general information. 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

Public Law 111–203, Title X, Sections 

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

5491, 5492, 5511. OMB Open 

Government Directive, M–10–06, Dec. 8, 

2009. Presidential Memorandum to the 

Heads of Executive Departments and 

Agencies on Transparency and Open 

Government, January 21, 2009. OMB 

Guidance for Online Use of Web 

Measurement and Customization 

Technologies, M–10–22, June 25, 2010. 

OMB Guidance for Agency Use of 

Third-Party Websites and Applications, 

M–10–23, June 25, 2010. Executive 

Order 13571, Streamlining Service 

Delivery and Improving Customer 

Service, April 27, 2011.1

PURPOSE(S): 

The information in the system is 

being collected to facilitate internal and 

external interactions concerning the 

CFPB and CFPB programs. The use of 

social media platforms will increase 

collaboration and transparency with the 

public, as well as employees and 

contractors. The use of social media will 

enable the CFPB to interact with the 

public in effective and meaningful 

ways, encourage the wide sharing of 

consumer financial information and the 

strengthening of an online community 

of consumers, and ensure that critical 

information about the agency and key 

consumer finance issues is distributed. 

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 in the title of the CFR 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 information in the performance 

of their duties or activities; 

(6) Any authorized agency or 

component of the Department of 

Treasury, the Department of Justice, the 

Federal Reserve System, the Federal 

Deposit Insurance Corporation or other 

law enforcement authorities including 

disclosure by such authorities: 

(a) To the extent relevant and 

necessary in connection with litigation 

in proceedings before a court or other 

adjudicative body, where (i) the United 

States is a party to or has an interest in 

the litigation, including where the 

agency, or an agency component, or an 

agency official or employee in his or her 

official capacity, or an individual 

agency official or employee whom the 

Department of Justice or the Bureau has 

agreed to represent, is or may likely 

become a party, and (ii) the litigation is 

likely to affect the agency or any 

component thereof; or 

(b) To outside experts or consultants 

when considered appropriate by CFPB 

staff to assist in the conduct of agency 

matters; 

(7) 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; 

(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; and 

(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. 

POLICIES AND PRACTICES FOR STORING, 

RETRIEVING, ACCESSING, RETAINING, AND

DISPENSING OF RECORDS IN THE SYSTEM: 

STORAGE: 

Paper and electronic records. 

RETRIEVABILITY: 

Records are retrievable by full-text 

search. Records may also be retrieved by 

personal identifiers which may include 

without limitation: name, username, email address, IP addresses, geographic 

information, and demographic 

information. 


srobinson on DSK4SPTVN1PROD with NOTICES
Federal Register / Vol. 76, No. 147 / Monday, August 1, 2011 / Notices 45761 

SAFEGUARDS: 

Access to electronic records that are 

not otherwise available to the general 

public by virtue of their presence on 

social media sites 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 deposition schedule. 

SYSTEM MANAGER(S) AND ADDRESS: 

Consumer Financial Protection 

Bureau, Chief Technology Officer, 1801 

L Street, NW., Washington, DC 20036. 

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, 1801 L 

St., NW., Washington, DC 20036. 

RECORD ACCESS PROCEDURES: 

See ‘‘Notification Procedures’’ above. 

CONTESTING RECORD PROCEDURES: 

See ‘‘Notification Procedures’’ above. 

RECORD SOURCE CATEGORIES: 

Information in this system is obtained 

from individuals who interact with the 

CFPB through social media networks or 

as a result of public outreach. 

EXEMPTIONS CLAIMED FOR THE SYSTEM: 

None. 

[FR Doc. 2011–19426 Filed 7–29–11; 8:45 am] 

BILLING CODE 4810–25–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 August 31, 2011. The new 

system of records will be effective 

September 12, 2011 unless the 

comments received result in a contrary 

determination. 

ADDRESSES: You may submit comments, 

identified by Docket No. CFPB–2011– 

0012, by any of the following methods: 

• Electronic: http://www.regulations.

gov. Follow the instructions for 

submitting comments. 

• Mail or Hand Delivery/Courier in 

Lieu of Mail: Claire Stapleton, Chief 

Privacy Officer, Consumer Financial 

Protection Bureau, 1801 L Street, NW., 

Washington, DC 20036. 

All submissions must include the 

agency name and docket number or 

Regulatory Information Number (RIN) 

for this notice. In general all comments 

received will be posted without change 

to http://www.regulations.gov. In 

addition, comments will be available for 

public inspection and copying at 1801 

L St., NW., Washington, DC 20036, 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, 

1801 L Street, NW., Washington, DC 

20036, (202) 435–7220. 

SUPPLEMENTARY INFORMATION: The DoddFrank Wall Street Reform and Consumer 

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

203, Title X, established the CFPB to 

administer and enforce federal 

consumer financial protection law. The 

CFPB will maintain the records covered 

by this notice. 

The new systems of records described 

in this notice, CFPB.003—Nondepository Supervision Database will be 

used to enable the CFPB to carry out its 

responsibilities with respect to 

individuals related to non-depository 

covered persons subject to the authority 

of the CFPB, including the internal 

coordination of examinations, 

supervision evaluations and analyses, 

and enforcement actions. This system 

will also allow the CFPB to coordinate 

with other financial regulatory agencies. 

A description of the new system of 

records follows this Notice. 

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.003—Non-depository 

Supervision Database’’ is published in 

its entirety below. 

Dated: July 27, 2011. 

Claire Stapleton, 

Chief Privacy Officer. 

CFPB.003 

SYSTEM NAME: 

CFPB Non-depository Supervision 

Database. 

SYSTEM LOCATION: 

Consumer Financial Protection 

Bureau, 1801 L Street, NW., 

Washington, DC 20036. 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Individuals covered by this system 

are: (1) Individuals who themselves are 

current and former directors, officers, 

employees, agents, shareholders, and 

independent contractors of nondepository covered persons subject to 

the supervision of the CFPB; (2) Current 

and former consumers who are or have 

been in the past serviced by nondepository covered persons subject to 

the supervision of the CFPB; and (3) 

CFPB employees assigned to supervise 

non-depository covered persons. 

Information collected regarding 

consumer products and services is 

subject to the Privacy Act only to the 

extent that it concerns individuals; 

information pertaining to corporations 

and other organizations is not subject to 

the Privacy Act. 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Records in the system may contain 

information provided by a covered 

person, by individuals who are or have 

been serviced by a covered person, or 

other governmental authorities, to the 

CFPB in the exercise of the CFPB’s 

responsibilities and used to assess a 

covered person’s compliance with 

various statutory and regulatory 

obligations. This may include: (1) 

Personally identifiable information from 

customers of non-depository covered 

persons, including without limitation, 


srobinson on DSK4SPTVN1PROD with NOTICES