This section of the FEDERAL REGISTER

contains documents other than rules or

proposed rules that are applicable to the

public. Notices of hearings and investigations,

committee meetings, agency decisions and

rulings, delegations of authority, filing of

petitions and applications and agency

statements of organization and functions are

examples of documents appearing in this

section.

Notices Federal Register

77470 

Vol. 76, No. 239 

Tuesday, December 13, 2011 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

[Docket No. CFPB–2011–0042] 

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 January 12, 2012. The new 

system of records will be effective 

January 23, 2012 unless the comments 

received result in a contrary 

determination. 

ADDRESSES: You may submit comments, 

identified by Docket No. CFPB–2011– 

0042, by any of the following methods: 

• Electronic: 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 20006. 

• Hand Delivery/Courier in Lieu of 

Mail: Claire Stapleton, Chief Privacy 

Officer, Consumer Financial Protection 

Bureau, 1700 G Street NW., Washington, 

DC 20006. 

All submissions must include the 

agency name and docket number 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 1700 G Street 

NW., Washington, DC 20006 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 

20006, (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. The CFPB will 

maintain the records covered by this 

notice. 

The new system of records described 

in this notice, CFPB.012—Interstate 

Land Sales Registration Files will 

contain personal information submitted 

by developers of land or other 

individuals offering 25 or more lots for 

sale and using any means or 

instruments of interstate commerce 

(including the mails) in promoting or 

selling properties pursuant to the 

requirements of the Interstate Land 

Sales Full Disclosure Act, and in the 

administration and management of the 

Interstate Land Sales Registration 

Program. The majority of information 

contained in this system is public data, 

however, it also includes some nonpublic data, such as Social Security 

numbers. 

Pursuant to section 1061(b)(7) of the 

Act, the Department of Housing and 

Urban Development (‘‘HUD’’) functions 

of the Interstate Land Sales Full 

Disclosure Act (‘‘ILSA’’), 15 U.S.C. 1701 

et seq., transferred to the Bureau on July 

20, 2011. 

HUD previously published a system 

of records notice for this record system 

on August 25, 1983, at 48 FR166. The 

CFPB’s system of records notice 

replaces the earlier notice published by 

HUD to reflect that fact that that 

responsibility for maintaining the 

system of records has transferred from 

HUD to the CFPB. 

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.12–Interstate Land Sales 

Registration Files’’ is published in its 

entirety below. 

Dated: December 8, 2011. 

Claire Stapleton, 

Chief Privacy Officer. 

CFPB.012 

SYSTEM NAME: 

Interstate Land Sales Registration 

Files. 

SYSTEM LOCATION: 

Consumer Financial Protection 

Bureau, 1700 G Street NW., Washington, 

DC 20006. 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Individuals who are developers of 

land and other individuals offering 25 

or more lots for sale and using any 

means or instruments of interstate 

commerce (including the mails). 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Records in this system include, 

without limitation: Names, addresses, 

Social Security numbers and other 

identifying information contained in 

property reports; statements of record 

which contain full and current 

disclosure about the ownership of land; 

the state of title to the land; the physical 

characteristics of the land; and planned 

availability of roads, services, and 

utilities. Records also contain other 

information, including: Corporate 

charter and other entity organizational 

documents, such as articles of 

incorporation and organization and 

operating and partnership agreements; 

individual and corporate financial 

statements; title policy; title insurance 

products; deeds; mortgages; local 

ordinances; health regulations; 

availability of utilities; plats; 

information on roads and recreational 


srobinson on DSK4SPTVN1PROD with NOTICES
Federal Register / Vol. 76, No. 239 / Tuesday, December 13, 2011 / Notices 77471 

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. 

facilities and contracts; statistical 

records; budget estimates; microfilm 

information; exemption applications; 

and related information and 

documentation. 

The case files also include property 

reports, correspondence, developer 

filings of land offered for sale, maps, 

subdivision registrations, annual 

reports, regulatory exemption opinions, 

advisory opinions, and developer 

notices to the government of voluntary 

suspension of ownership of the property 

and requests for suspension of the 

effective dates for registration. 

Additional records may include 

subpoenas, notices of hearings, 

investigatory documentation, and public 

complaints. 

The majority of information contained 

in this system is public data, however, 

some of the data, such as Social Security 

numbers, is not available to the public. 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

Public Law 90–448, codified at 15 

U.S.C. 1701 et seq.; Public Law 111– 

203, Title X, Section 1061(b)(7)(A), 

codified at 12 U.S.C. 5581(b)(7)(A).1

PURPOSE(S): 

The system allows for the submission 

of information related to interstate land 

sales registrations pursuant to the 

requirements of the Interstate Land 

Sales Full Disclosure Act, Public Law 

90–448, codified at 15 U.S.C. 1701 et 

seq. 

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 rules relating 

to Disclosure of Records and 

Information. Rules are 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 

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; and 

(11) To the public, to the extent 

required by 15 U.S.C. 1704(d) and the 

Bureau’s regulations. 

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, but not limited to, 

OILSR file number, name of subdivision 

or name of the developer, 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 securely 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 of Nonbank 

Supervision, 1700 G Street NW., 

Washington, DC 20006. 

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, 


srobinson on DSK4SPTVN1PROD with NOTICES
77472 Federal Register / Vol. 76, No. 239 / Tuesday, December 13, 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. 

‘‘Disclosure of Records and 

Information.’’ Address such requests to: 

Chief Privacy Officer, Bureau of 

Consumer Financial Protection, 1700 G 

Street NW., Washington, DC 20006. 

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 CFPB field 

representatives and individuals who are 

developers of land and other 

individuals offering 25 or more lots for 

sale and using any means or 

instruments of interstate commerce 

(including the mails). 

EXEMPTIONS CLAIMED FOR THE SYSTEM: 

None. 

[FR Doc. 2011–31892 Filed 12–12–11; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

[Docket No. CFPB–2011–0041] 

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 new Privacy Act 

System of Records. 

DATES: Comments must be received no 

later than January 12, 2012. The new 

database will be effective January 23, 

2012, unless the comments received 

result in a contrary determination. 

ADDRESSES: You may submit comments, 

identified by Docket No. CFPB–2011– 

0041, by any of the following methods: 

• Electronic: 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 20006. 

• Hand Delivery/Courier in Lieu of 

Mail: Claire Stapleton, Chief Privacy 

Officer, Consumer Financial Protection 

Bureau, 1700 G Street NW., Washington, 

DC 20006. 

All submissions must include the 

agency name and docket number 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 1700 

G Street NW., Washington, DC 20006 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 St. NW., Washington, DC 20006, 

(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 

laws, and, among other powers, has 

authority to protect consumers from 

unfair, deceptive, and abusive practices 

when obtaining consumer financial 

products or services. The Act 

establishes an Ombudsman’s Office, 

Section 1013(a)(5), to liaise between the 

CFPB and ‘‘any affected person with 

respect to any problem that such party 

may have in dealing with the Bureau, 

resulting from the regulatory activities 

of the Bureau.’’ The Ombudsman’s 

Office is an independent, impartial, and 

confidential resource that will advocate 

for a fair process to resolve issues 

between the CFPB and an individual or 

a financial product or service provider. 

The CFPB Ombudsman’s Office will 

maintain the records covered by this 

notice. 

The new system of records described 

in this notice, CFPB.010—CFPB 

Ombudsman System will allow the 

Ombudsman’s Office to track inquiries 

submitted to the Ombudsman while 

they are being adjudicated. 

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, 

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

The system of records entitled, 

‘‘CFPB.010—Ombudsman System’’ is 

published in its entirety below. 

Dated: December 8, 2011. 

Claire Stapleton, 

Chief Privacy Officer. 

CFPB.010 

SYSTEM NAME: 

CFPB Ombudsman System. 

SYSTEM LOCATION: 

CFPB Ombudsman’s Office, 

Consumer Financial Protection Bureau, 

1700 G Street NW., Washington DC 

20006. 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Individuals, which may include, 

without limitation: (1) Current or former 

officers, employees, shareholders, 

agents, and independent contractors of 

covered persons and service providers 

as defined by the Act; (2) those who 

submit inquiries to the CFPB 

Ombudsman’s Office and their 

representatives; and (3) employees of 

the CFPB assigned to review and/or 

respond to any inquiries, as requested 

by the Ombudsman’s Office. 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Records maintained in the system 

may contain, without limitation: (1) 

Correspondence (including letters, 

memoranda, faxes, telegrams, and 

emails) received and sent; (2) 

identifying information regarding the 

individual who submitted the inquiry, 

such as the individual’s name, phone 

number, address, email address, and 

any other disclosed identifiable 

information; (3) information about the 

CFPB employee who is responsible for 

addressing the inquiry; (4) information 

on the status of the inquiry; and (5) 

relevant dates. 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

Public Law 111–203, Title X, Section 

1013, codified at 12 U.S.C. 5493; 

Privacy Act of 1974, as amended, 5 

U.S.C. 552a.1

PURPOSE: 

The purpose of the information 

system is to enable the CFPB 

Ombudsman to efficiently and securely 

process information while providing 

assistance to individuals, financial 

product or service providers, or their 


srobinson on DSK4SPTVN1PROD with NOTICES