6190 Federal Register / Vol. 79, No. 22 / Monday, February 3, 2014 / Notices 

1Although the CFPB, under 12 U.S.C. 

5497(a)(4)(E), is not legally required to follow OMBissued guidance, it voluntarily follows OMB 

privacy-related guidance as a best practice and to 

facilitate cooperation and collaboration with other 

agencies. 

COMMODITY FUTURES TRADING 

COMMISSION 

Sunshine Act Meetings 

TIME AND DATE: 10:00 a.m., Friday, 

February 21, 2014. 

PLACE: 1155 21st St. NW., Washington, 

DC, 9th Floor Commission Conference 

Room. 

STATUS: Closed. 

MATTERS TO BE CONSIDERED: 

Surveillance, Enforcement Matters, and 

Examinations. In the event that the 

times, dates, or locations of this or any 

future meetings change, an 

announcement of the change, along with 

the new time and place of the meeting 

will be posted on the Commission’s 

Web site at http://www.cftc.gov. 

CONTACT PERSON FOR MORE INFORMATION: 

Melissa D. Jurgens, 202–418–5516. 

Natise Allen, 

Executive Assistant. 

[FR Doc. 2014–02260 Filed 1–30–14; 11:15 am] 

BILLING CODE 6351–01–P 

COMMODITY FUTURES TRADING 

COMMISSION 

Sunshine Act Meetings 

TIME AND DATE: 10:00 a.m., Friday, 

February 28, 2014. 

PLACE: 1155 21st St. NW., Washington, 

DC, 9th Floor Commission Conference 

Room. 

STATUS: Closed. 

MATTERS TO BE CONSIDERED: 

Surveillance, Enforcement Matters, and 

Examinations. In the event that the 

times, dates, or locations of this or any 

future meetings change, an 

announcement of the change, along with 

the new time and place of the meeting 

will be posted on the Commission’s 

Web site at http://www.cftc.gov. 

CONTACT PERSON FOR MORE INFORMATION: 

Melissa D. Jurgens, 202–418–5516. 

Natise Allen, 

Executive Assistant. 

[FR Doc. 2014–02261 Filed 1–30–14; 11:15 am] 

BILLING CODE 6351–01–P 

COMMODITY FUTURES TRADING 

COMMISSION 

Sunshine Act Meetings 

TIME AND DATE: 10:00 a.m., Friday, 

February 14, 2014. 

PLACE: 1155 21st St. NW., Washington, 

DC, 9th Floor Commission Conference 

Room. 

STATUS: Closed. 

MATTERS TO BE CONSIDERED: 

Surveillance, Enforcement Matters, and 

Examinations. In the event that the 

times, dates, or locations of this or any 

future meetings change, an 

announcement of the change, along with 

the new time and place of the meeting 

will be posted on the Commission’s 

Web site at http://www.cftc.gov. 

CONTACT PERSON FOR MORE INFORMATION: 

Melissa D. Jurgens, 202–418–5516. 

Natise Allen, 

Executive Assistant. 

[FR Doc. 2014–02259 Filed 1–30–14; 11:15 am] 

BILLING CODE 6351–01–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 a revised Privacy Act System of 

Records (‘‘SORN’’). In revising this 

SORN, the CFPB modifies the system 

location, system manager(s) and 

address; modifies the authorities section 

to clarify that the authority for operating 

the system stems in part from 

enforcement powers of the CFPB; 

modifies the Records Sources Categories 

to clarify the record sources; and 

consolidates two routine uses 

(previously routine uses 6 and 7) which 

include the disclosure of personally 

identifiable information (‘‘PII’’) from the 

system to the U.S. Department of Justice 

(‘‘DOJ’’) for its use in providing legal 

advice to the CFPB or in representing 

the CFPB in a legal proceeding. 

DATES: Comments must be received no 

later than March 5, 2014. The new 

system of records will be effective 

March 17, 2014, 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/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 

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 (the ‘‘Act’’), Public Law 

111–203, Title X, established the CFPB 

to administer and enforce federal 

consumer financial law. The system of 

records described in this notice, 

CFPB.004—CFPB Enforcement 

Database, enables the CFPB to carry out 

its responsibilities with respect to the 

enforcement of federal consumer 

financial law. 

The report of the 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 system of records entitled 

‘‘CFPB.004—CFPB Enforcement 

Database’’ is published in its entirety 

below. 

Dated: January 27, 2014. 

Claire Stapleton, 

Chief Privacy Officer, Bureau of Consumer 

Financial Protection. 

CFPB.004 

SYSTEM NAME: 

CFPB Enforcement Database 

SYSTEM LOCATION: 

Consumer Financial Protection 

Bureau, 1700 G Street NW., Washington, 

DC 20552. 

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Federal Register / Vol. 79, No. 22 / Monday, February 3, 2014 / Notices 6191 

CATEGORIES OF INDIVIDUALS COVERED BY THE

SYSTEM: 

Individuals covered by this system 

include: 

(1) Individuals who are current or 

former directors, officers, employees, 

shareholders, agents, and independent 

contractors of covered persons or 

service providers, who are or have been 

the subjects of or otherwise associated 

with an investigation or enforcement 

action by the CFPB, or have been named 

in connection with suspicious activity 

reports or administrative enforcement 

orders or agreement. Covered persons 

and service providers include banks, 

savings associations, credit unions, 

thrifts, non-depository institutions, or 

other persons, offering, providing, or 

assisting with the provision of consumer 

financial products or services. 

(2) Current, former, and prospective 

consumers who are or have been 

customers or prospective customers of, 

solicited by, or serviced by covered 

persons or service providers if such 

individuals have provided information, 

including complaints about covered 

persons or service providers, or are or 

have been witnesses in or otherwise 

associated with an enforcement action 

by the CFPB. 

(3) Applicants, current and former 

directors, officers, employees, 

shareholders, agents, and independent 

contractors of persons and entities that 

have business relationships with 

covered persons or service providers 

who are or have been the subject of an 

enforcement action by the CFPB. 

(4) Current, former, and prospective 

customers of persons and entities that 

have business relationships with 

covered persons or service providers 

that are or have been the subject of an 

enforcement action by the CFPB, and 

the customers are complainants against 

covered persons or service providers, or 

witnesses in or otherwise associated 

with an enforcement action. 

(5) Other individuals who have 

inquired about or may have information 

relevant to an investigation or 

proceeding concerning a possible 

violation of federal consumer financial 

law. Information collected regarding 

consumer financial products and 

services is subject to the Privacy Act 

only to the extent that it concerns 

individuals; information pertaining to 

corporations and other business entities 

and aggregate, non-identifiable 

information is not subject to the Privacy 

Act. 

CATEGORIES OF RECORDS IN THE SYSTEM: 

Information contained in this system 

includes: 

Identifiable information about 

individuals such as name, address, 

email address, phone number, Social 

Security number, employment status, 

age, date of birth, financial information, 

credit information, and personal history. 

Records in this system are collected and 

generated during the investigation of 

potential violations and enforcement of 

laws and regulations under the 

jurisdiction of the CFPB and may 

include: (1) Records provided to the 

CFPB about potential or pending 

investigations, administrative 

proceedings, and civil litigation; (2) 

evidentiary materials gathered or 

prepared by the CFPB or obtained for 

use in investigations, proceedings, or 

litigation, and work product derived 

from or related thereto; (3) staff working 

papers, memoranda, analyses, 

databases, and other records and work 

product relating to possible or actual 

investigations, proceedings, or 

litigation; (4) databases, 

correspondence, and reports tracking 

the initiation, status, and closing of 

investigations, proceedings, and 

litigation; (5) correspondence and 

materials used by the CFPB to refer 

criminal and other matters to the 

appropriate agency or authority, and 

records reflecting the status of any 

outstanding referrals; (6) 

correspondence and materials shared 

between the CFPB and other federal and 

state agencies; (7) consumer complaints 

made or referred to the CFPB. 

AUTHORITY FOR MAINTENANCE OF THE SYSTEM: 

Pub. L. 111–203, Title X, Sections 

1011 and 1012, and Subtitle E, Section 

1051 et seq., codified at 12 U.S.C. 5491, 

5492, and 5561 et seq. 

PURPOSE(S): 

The information in the system is 

being collected to enable the CFPB to 

carry out its responsibilities with 

respect to enforcement of Title X of the 

Dodd-Frank Wall Street Reform and 

Consumer Protection Act and other 

federal consumer financial law, 

including: (1) The investigation of 

potential violations of federal consumer 

financial law; (2) the pursuit of 

administrative or civil enforcement 

actions; and (3) the referral of matters, 

as appropriate, to the Department of 

Justice or other federal or state agencies. 

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 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) 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) 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 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 

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6192 Federal Register / Vol. 79, No. 22 / Monday, February 3, 2014 / Notices 

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) An entity or person that is the 

subject of supervision or enforcement 

activities including examinations, 

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

DISPOSING 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 manage all computer 

and paper files in the system as 

permanent records until the disposition 

schedule for these records is approved 

by the National Archives and Records 

Administration, at which time, the 

CFPB will dispose of such files in 

accordance with the schedule. 

SYSTEM MANAGER(S) AND ADDRESS: 

Consumer Financial Protection 

Bureau, Assistant Director of 

Enforcement, 1700 G Street NW., 

Washington, DC 20552. 

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, 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 in this system is obtained 

from covered persons or service 

providers, including banks, savings 

associations, credit unions, thrifts, or 

non-depository institutions or other 

persons offering, providing, or assisting 

with the provision of consumer 

financial products or services; 

individuals who are current or former 

directors, officers, employees, 

shareholders, agents, and independent 

contractors of covered persons or 

service providers; current, former, and 

prospective consumers who are or have 

been customers or prospective 

customers of, solicited by, or serviced 

by covered persons or service providers; 

applicants, current and former directors, 

officers, employees, shareholders, 

agents, and independent contractors of 

persons and entities that have business 

relationships with covered persons or 

service providers; current, former, and 

prospective customers of persons and 

entities that have business relationships 

with covered persons or service 

providers; state and Federal agencies 

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 compiled 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. 2014–02117 Filed 1–31–14; 8:45 am] 

BILLING CODE 4810–AM–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

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), gives notice of the 

establishment of a Privacy Act System 

of Records. 

DATES: Comments must be received no 

later than March 5, 2014. The new 

system of records will be effective 

March 17, 2014, 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/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 

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: As part of 

a biennial review of this System of 

Records, the CFPB revises its Privacy 

Act System of Records Notice (SORN) 

‘‘CFPB.010—Ombudsman System.’’ In 

mstockstill on DSK4VPTVN1PROD with NOTICES