[Federal Register Volume 75, Number 186 (Monday, September 27, 2010)]
[Notices]
[Pages 59242-59246]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2010-24162]


-----------------------------------------------------------------------

DEPARTMENT OF EDUCATION


Privacy Act of 1974; System of Records

AGENCY: Federal Student Aid, U.S. Department of Education.

ACTION: Notice of altered system of records.

-----------------------------------------------------------------------

SUMMARY: In accordance with the Privacy Act of 1974, as amended 
(Privacy Act), 5 U.S.C. 552a, the Chief Operating Officer for Federal 
Student Aid (FSA) of the Department of Education (Department) publishes 
this notice to rename and revise the system of records entitled 
``Recipient Financial Management System (RFMS)'' (18-11-02).
    In this notice, the Department is replacing the RFMS system with 
the ``Common Origination and Disbursement'' (COD) system. The COD 
system is designed to assist the Department in administering Federal 
grant and loan programs authorized by title IV of the Higher Education 
Act of 1965, as amended (HEA), and to include information needed under 
Federal grant programs created by the Higher Education Reconciliation 
Act of 2005, title VIII of Public Law 109-171.
    The COD system will contain records associated with the activities 
required of participating educational institutions to originate an 
award (establish the eligibility of an individual to receive a Federal 
grant or loan) from those programs authorized by the HEA for which the 
Department provides funds directly to those institutions on a student-
level or recipient-level basis. This system will also contain records 
evidencing the disbursement of program funds by participating 
educational institutions to those individuals whose eligibility was 
previously established.
    The Department seeks comments on the proposed routine uses 
described in this altered system of records notice, in accordance with 
the requirements of the Privacy Act.

DATES: We must receive your comments on the proposed routine uses for 
the system of records on or before October 27, 2010.
    The Department filed a report describing the altered system of 
records covered by this notice with the Chair of the Senate Committee 
on Homeland Security and Governmental Affairs, the Chair of the House 
Committee on Oversight and Government Reform, and the Administrator of 
the Office of Information and Regulatory Affairs, Office of Management 
and Budget (OMB) on September 22, 2010. This altered system of records 
will become effective at the later date of: (1) The expiration of the 
40-day period for OMB review on November 1, 2010; or (2) October 27, 
2010, unless the system of records needs to be changed as a result of 
public comment or OMB review.

ADDRESSES: Address all comments about the proposed routine uses to: 
Director, COD Systems, Program Management Services, FSA, U.S. 
Department of Education, Union Center Plaza (UCP), 830 First Street, 
NE., Washington, DC 20202-5454. Telephone: 202-377-3676. If you prefer 
to send comments by e-mail, use the following address: <a href="/cdn-cgi/l/email-protection#30535f5d5d555e44437055541e575f46"><span class="__cf_email__" data-cfemail="f0939f9d9d959e8483b09594de979f86">[email protected]</span></a>.
    You must include the term ``Common Origination and Disbursement'' 
in the subject line of your electronic message.
    During and after the comment period, you may inspect all public 
comments about this notice at the Department in Room 62E4, UCP, 6th 
Floor, 830 First Street, NE., Washington, DC 20202-5454 between the 
hours of 8:00 a.m. and 4:30 p.m., Eastern Time, Monday through Friday 
of each week except Federal holidays.

Assistance to Individuals With Disabilities in Reviewing the Rulemaking 
Record

    On request, we will supply an appropriate accommodation or 
auxiliary aid to an individual with a disability who needs assistance 
to review the comments or other documents in the public rulemaking 
record for this notice. If you want to schedule an appointment for this 
type of accommodation or auxiliary aid, please contact the person 
listed under FOR FURTHER INFORMATION CONTACT.

FOR FURTHER INFORMATION CONTACT: Director, COD Systems, Program 
Management Services, FSA, U.S. Department of Education, UCP, 830 First 
Street, NE., Washington, DC 20202-5454. Telephone: 202-377-3676. If you 
use a telecommunications device

[[Page 59243]]

for the deaf (TDD), call the Federal Relay Service (FRS), toll free, at 
1-800-877-8339.
    Individuals with disabilities can obtain this document in an 
accessible format (e.g., braille, large print, audiotape, or computer 
diskette) on request to the contact person listed under this section.

SUPPLEMENTARY INFORMATION:

Introduction

    The Privacy Act (5 U.S.C. 552a(e)(4) and (11)) requires the 
Department to publish in the Federal Register this notice of an altered 
system of records. The Department's regulations implementing the 
Privacy Act are contained in 34 CFR part 5b.
    The Privacy Act applies to information about individuals that 
contains individually identifying information and that is retrieved by 
a unique identifier associated with each individual, such as a name or 
social security number (SSN). The information about each individual is 
called a ``record,'' and the system, whether manual or computer-based, 
is called a ``system of records.''
    The Privacy Act requires each agency to publish a system of records 
notice in the Federal Register and to submit, whenever the agency 
publishes a new system of records or significantly alters an 
established system of records, a report to the Administrator of the 
Office of Information and Regulatory Affairs, OMB. Each agency is also 
required to send copies of the report to the Chair of the Senate 
Committee on Homeland Security and Governmental Affairs and the Chair 
of the House of Representatives Committee on Oversight and Government 
Reform.
    A system of records is considered ``altered'' whenever an agency 
expands the types or categories of information maintained, 
significantly expands the types or categories of individuals about whom 
records are maintained, changes the purpose for which the information 
is used, changes the equipment configuration in a way that creates 
substantially greater access to the records, or adds a routine use 
disclosure to the system.
    This notice of an altered system of records renames RFMS as the COD 
system, expands the categories of records maintained in the system, 
clarifies the categories of individuals covered by the system and the 
system's purposes, updates the system locations, and reflects the 
current programmatic routine use disclosures needed to carry out 
responsibilities under the HEA. A notice for the previous version of 
the COD system, the RFMS, was published in the Federal Register on June 
4, 1999 (64 FR 30161-62) and amended on December 27, 1999 (64 FR 
72407).
    The COD system includes records on individuals who have received 
title IV, HEA program assistance. These records include information 
provided by recipients of title IV, HEA program assistance and the 
parents of dependent recipients. The records contain individually 
identifying information about the recipient, including, but not limited 
to his or her: name, SSN, address, date of birth, e-mail address, and 
citizenship status.
    Electronic Access to this Document: You can view this document, as 
well as all other documents of this Department published in the Federal 
Register, in text or Adobe Portable Document Format (PDF) on the 
Internet at the following Web site: http://www.ed.gov/news/fedregister/index.html.
    To use PDF you must have Adobe Acrobat Reader, which is available 
free at this site.

    NOTE:  The official version of this document is the document 
published in the Federal Register. Free Internet access to the 
official edition of the Federal Register and the Code of Federal 
Regulations is available on GPO Access at: http://www.gpoaccess.gov/nara/index.html.


    Dated: September 22, 2010.
William J. Taggart,
Chief Operating Officer, Federal Student Aid.

    For the reasons discussed in the preamble, the Chief Operating 
Officer, Federal Student Aid, U.S. Department of Education (Department) 
publishes a notice of altered system of records to read as follows:
SYSTEM NUMBER
18-11-02

SYSTEM NAME:
    Common Origination and Disbursement (COD) System.

SECURITY CLASSIFICATION:
    None.

SYSTEM LOCATIONS:
    Total Systems Services, Inc. (TSYS), 1600 First Ave., P.O. Box 
2567, Columbus, GA 31902-2567. (This is the Computer Center for the COD 
Application.) All electronic COD information is processed and stored 
here. This includes the William D. Ford Federal Direct Loan (Direct 
Loan) Program, the Federal Pell Grant Program, the Academic 
Competitiveness Grant (ACG) Program, the National Science and 
Mathematics Access to Retain Talent (National SMART) Grant Program, the 
Teacher Education Assistance for College and Higher Education (TEACH) 
Grant Program, and the Iraq and Afghanistan Service Grant Program.)
    Affiliated Computer Services, Inc. (ACS), 2429 Military Road, Suite 
200, Niagara Falls, NY 14304-1551. (This is the COD Customer Service 
Center.)
    HP Enterprise Services, COD Ancillary Services, 201 TechnaCenter 
Dr., Suite 300, Montgomery, AL 36117-6044. (This center images and 
stores all of the Direct Loan promissory notes.)
    Dell Perot Systems, 2300 W. Plano Parkway, Plano, TX 75075-8427. 
(The Direct Loan electronic promissory notes, TEACH Agreement to Serve 
promissory notes, Direct Loan Entrance Counseling, TEACH Entrance 
Counseling, and the COD archives are stored here.)
    HP Enterprise Services, D5-2B-14, 6901 Windcrest Parkway, Plano, TX 
75024-8427. (This is the data center for the paper promissory notes 
processed by COD Ancillary Services.)

CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
    This system contains records of individuals who apply for or 
receive a Federal grant or loan under one of the following programs 
authorized under title IV of the Higher Education Act of 1965, as 
amended (HEA): (1) The Federal Pell Grant Program; (2) the ACG Program; 
(3) the National SMART Grant Program; (4) the TEACH Grant Program; (5) 
the Iraq and Afghanistan Service Grant Program; and (6) the Direct Loan 
Program, which consists of Federal Direct Unsubsidized and Subsidized 
Stafford/Ford Loans, and Federal Direct PLUS Loans. COD also contains 
records of individuals who have completed Direct Loan Entrance 
Counseling.

CATEGORIES OF RECORDS IN THE SYSTEM:
    Records in the COD system include, but are not limited to: (1) 
Recipient identifier information including name, social security number 
(SSN), and date of birth; (2) recipient demographic information such as 
address, e-mail address, driver's license number, telephone number, 
citizenship status, dependency status, estimated family contribution, 
cost of attendance, post-secondary school identifier, and enrollment 
information; (3) Federal Pell Grant, ACG, SMART Grant, TEACH Grant, 
Iraq and Afghanistan Service Grant, and Direct Loan award amounts and 
dates of disbursements; (4) Federal Pell Grant, ACG, SMART Grant, and 
Iraq and Afghanistan Service Grant collection referral and payment 
amounts; (5) Direct Loan promissory notes; (6) TEACH Agreement to Serve 
documents; and, (7) Direct Loan and TEACH entrance counseling

[[Page 59244]]

information, including the SSNs of the recipients and the dates that 
they completed the entrance counseling.

AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
    This system of records is authorized under title IV of the HEA, 20 
U.S.C. 1070 et seq.

PURPOSES:
    The information contained in this system is maintained for the 
following purposes related to students and borrowers: (1) To determine 
recipient eligibility and benefits for the title IV, HEA programs; (2) 
to store electronic data that support the existence of a legal 
obligation to repay funds disbursed under the title IV, HEA programs, 
including documentation such as promissory notes, and other agreements; 
(3) to identify whether an individual may have received a title IV, HEA 
Federal grant or loan at more than one educational institution for the 
same enrollment period in violation of title IV, HEA program 
regulations; and (4) to identify whether an individual may have 
exceeded the annual award limits under the title IV, HEA Federal grant 
or loan programs in violation of title IV, HEA program regulations.
    The information in this system is also maintained for the following 
purposes relating to institutions participating in and administering 
the title IV, HEA programs: (1) To enable an educational institution to 
reconcile, on an aggregate and recipient-level basis, the amount of 
title IV, HEA Federal grant and Direct Loan funds that an institution 
received with disbursements it made to, or on behalf of, eligible 
students (including reconciling verification codes, reconciling the 
funds received with disbursements made by type of funds received, and 
making necessary corrections and adjustments); (2) to enable an 
institution of higher education to perform on-line credit checks to 
determine the credit worthiness of a borrower for title IV, HEA Federal 
Direct PLUS Loans; and (3) to assist an institution of higher 
education, a software vendor, or a third-party servicer with questions 
about a title IV, HEA Federal grant or loan.
    The information in this system is also maintained for the following 
purposes relating to the Department's oversight of the title IV, HEA 
programs: (1) To support the investigation of possible fraud and abuse 
and to detect and prevent fraud and abuse in the title IV, HEA Federal 
grant and loan programs; (2) to confirm that an institution of higher 
education, or a program offered by an institution of higher education, 
is eligible to receive title IV, HEA program funds; (3) to set and 
adjust program funding authorization levels for each institution; (4) 
to enforce institutional compliance with Department reporting 
deadlines; and (5) to apply appropriate title IV, HEA funding controls.

ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES 
OF USERS AND PURPOSES OF SUCH USES:
    The Department may disclose information contained in a record in 
this system of records under the routine uses listed in this system of 
records without the consent of the individual if the disclosure is 
compatible with the purposes for which the record was collected. The 
Department may make these disclosures on a case-by-case basis or, if 
the Department has complied with the computer matching requirements of 
the Privacy Act of 1974, as amended (Privacy Act), under a computer 
matching agreement.
    (1) Program Purposes. The Department may disclose records from the 
system of records for the following program purposes:
    (a) To verify the identity of the recipient involved or the 
accuracy of the record, or to assist with the determination of program 
eligibility and benefits, the Department may disclose records to 
institutions of higher education; financial institutions; third-party 
servicers; and Federal, State, or local agencies;
    (b) To store electronic data that support the existence of a legal 
obligation to repay funds disbursed under the title IV, HEA programs, 
including documentation such as promissory notes and other agreements, 
the Department may disclose records to institutions of higher 
education, third-party servicers, and Federal agencies;
    (c) To identify whether an individual may have received a title IV, 
HEA Federal grant or loan at more than one institution of higher 
education for the same enrollment period in violation of title IV, HEA 
regulations, the Department may disclose records to institutions of 
higher education; third-party servicers; and Federal, State, or local 
agencies;
    (d) To identify whether an individual may have exceeded the annual 
award limits under the title IV, HEA Federal grant or Direct Loan 
Programs in violation of title IV, HEA regulations, the Department may 
disclose records to institutions of higher education, third-party 
servicers, and Federal agencies;
    (e) To enable institutions of higher education to reconcile, on an 
aggregate and recipient-level basis, the amount of title IV, HEA 
Federal grant and Direct Loan funds that an institution received with 
disbursements it made to, or on behalf of, eligible students (including 
reconciling verification codes, reconciling the funds received with 
disbursements made by type of funds received, and making necessary 
corrections and adjustments), the Department may disclose records to 
institutions of higher education; third-party servicers; and Federal, 
State, or local agencies;
    (f) To enable an institution of higher education to perform on-line 
credit checks to determine the credit worthiness of a borrower for 
title IV, HEA Federal Direct PLUS Loans, disclosures may be made to 
institutions of higher education, third-party servicers, credit 
reporting agencies, and Federal agencies;
    (g) To assist an individual, institutions of higher education, 
third-party servicers, or software vendors with questions about a title 
IV, HEA Federal grant or loan, disclosures may be made to institutions 
of higher education; software vendors; third-party servicers; and 
Federal, State, or local agencies;
    (h) To support the investigation of possible fraud and abuse and to 
detect and prevent fraud and abuse in the title IV, HEA Federal grant 
and loan programs, disclosures may be made to institutions of higher 
education; third-party servicers; and Federal, State, or local 
agencies.
    (2) Congressional Member Disclosure. The Department may disclose 
the records of an individual to a member of Congress or the member's 
staff when necessary to respond to an inquiry from the member made at 
the written request of that individual. The member's right to the 
information is no greater than the right of the individual who 
requested it.
    (3) Disclosure for Use by Other Law Enforcement Agencies. The 
Department may disclose information to any Federal, State, local, or 
foreign agency or other public authority responsible for enforcing, 
investigating, or prosecuting violations of administrative, civil, or 
criminal law or regulation if that information is relevant to any 
enforcement, regulatory, investigative, or prosecutorial responsibility 
within the receiving entity's jurisdiction.
    (4) Enforcement Disclosure. In the event that information in this 
system of records indicates, either on its face or in connection with 
other information, a violation or potential violation of any applicable 
statute, regulation, or order of a competent authority, the Department 
may disclose the relevant records to the appropriate agency, whether 
foreign, Federal, State, Tribal, or local, charged with the 
responsibility

[[Page 59245]]

of investigating or prosecuting that violation or charged with 
enforcing or implementing the statute, Executive order, rule, 
regulation, or order issued pursuant thereto.
    (5) Litigation or Alternative Dispute Resolution (ADR) Disclosure.
    (a) Introduction. In the event that one of the following parties 
listed below is involved in litigation or ADR, or has an interest in 
litigation or ADR, the Department may disclose certain records from 
this system of records to the parties described in paragraphs (b), (c) 
and (d) of this routine use under the conditions specified in those 
paragraphs:
    (i) The Department or any of its components.
    (ii) Any Department employee in his or her official capacity.
    (iii) Any Department employee in his or her individual capacity if 
the Department of Justice (DOJ) has been requested to or has agreed to 
provide or arrange for representation of the employee.
    (iv) Any Department employee in his or her individual capacity when 
the Department has agreed to represent the employee.
    (v) The United States when the Department determines that the 
litigation is likely to affect the Department or any of its components.
    (b) Disclosure to the DOJ. If the Department determines that 
disclosure of certain records to the DOJ is relevant and necessary to 
litigation or ADR, the Department may disclose those records as a 
routine use to the DOJ.
    (c) Adjudicative Disclosure. If the Department determines that it 
is relevant and necessary to litigation or ADR to disclose certain 
records from this system of records to an adjudicative body before 
which the Department is authorized to appear or to an individual or an 
entity designated by the Department or otherwise empowered to resolve 
or mediate disputes, the Department may disclose those records as a 
routine use to the adjudicative body, individual, or entity.
    (d) Disclosure to Parties, Counsel, Representatives, or Witnesses. 
If the Department determines that disclosure of certain records to a 
party, counsel, representative, or witness is relevant and necessary to 
the litigation or ADR, the Department may disclose those records as a 
routine use to the party, counsel, representative, or witness.
    (6) Employment, Benefit, and Contracting Disclosure.
    (a) For Decisions by the Department. The Department may disclose 
information from this system of records to a Federal, State, or local 
agency or to another public authority or professional organization, if 
necessary, to obtain information relevant to a Department decision 
concerning the hiring or retention of an employee or other personnel 
action; the issuance of a security clearance; the letting of a 
contract; or the issuance of a license, grant, or other benefit.
    (b) For Decisions by Other Public Agencies and Professional 
Organizations. The Department may disclose information from this system 
of records to a Federal, State, local, or foreign agency or other 
public authority or professional organization, in connection with the 
hiring or retention of an employee or other personnel action; the 
issuance of a security clearance; the reporting of an investigation of 
an employee; the letting of a contract; or the issuance of a license, 
grant, or other benefit, to the extent that the record is relevant to 
the receiving entity's decision on the matter.
    (7) Employee Grievance, Complaint, or Conduct Disclosure. If a 
record is relevant and necessary to a grievance, complaint, or 
disciplinary proceeding involving a present or former employee of the 
Department, the Department may disclose a record from this system of 
records in the course of investigation, fact-finding, or adjudication 
to any party to the grievance, complaint, or action; to the party's 
counsel or representative; to a witness; or to a designated fact-
finder, mediator, or other person designated to resolve issues or 
decide the matter. The disclosure may only be made during the course of 
investigation, fact-finding, or adjudication.
    (8) Labor Organization Disclosure. The Department may disclose a 
record from this system of records to an arbitrator to resolve disputes 
under a negotiated grievance procedure or to officials of a labor 
organization recognized under 5 U.S.C. chapter 71 when relevant and 
necessary to their duties of exclusive representation.
    (9) Freedom of Information Act (FOIA) and Privacy Act Advice 
Disclosure. The Department may disclose records from this system of 
records to the DOJ or Office of Management and Budget (OMB) if the 
Department concludes that disclosure is desirable or necessary in 
determining whether particular records are required to be disclosed 
under the FOIA or the Privacy Act.
    (10) Disclosure to the DOJ. The Department may disclose records 
from this system of records to the DOJ to the extent necessary for 
obtaining DOJ advice on any matter relevant to an audit, inspection, or 
other inquiry related to the programs covered by this system.
    (11) Contract Disclosure. If the Department contracts with an 
entity for the purposes of performing any function that requires 
disclosure of records in this system to employees of the contractor, 
the Department may disclose the records to those employees. Before 
entering into such a contract, the Department must require the 
contractor to maintain Privacy Act safeguards as required under 5 
U.S.C. 552a(m) with respect to the records in the system.
    (12) Research Disclosure. The Department may disclose records from 
this system of records to a researcher if the Department determines 
that the individual or organization to which the disclosure would be 
made is qualified to carry out specific research related to functions 
or purposes of this system of records. The official may disclose 
records from this system of records to that researcher solely for the 
purpose of carrying out that research related to the functions or 
purposes of this system of records. The researcher must be required to 
maintain Privacy Act safeguards with respect to the disclosed records.
    (13) Disclosure to OMB for Credit Reform Act (CRA) Support. The 
Department may disclose records from this system of records to OMB as 
necessary to fulfill CRA requirements.
    (14) Disclosure in the Course of Responding to Breach of Data. The 
Department may disclose records from this system of records to 
appropriate agencies, entities, and persons when (a) the Department 
suspects or has confirmed that the security or confidentiality of 
information in this system has been compromised; (b) the Department 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 Department or by 
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 the Department's efforts to respond to 
the suspected or confirmed compromise and prevent, minimize, or remedy 
such harm.

DISCLOSURE TO CONSUMER REPORTING AGENCIES:
    Disclosures pursuant to 5 U.S.C. 552a(b)(12): the Department may 
disclose to a consumer reporting agency information regarding a valid, 
overdue claim of the Department. Such

[[Page 59246]]

information is limited to (1) the name, address, taxpayer 
identification number, and other information necessary to establish the 
identity of the individual responsible for the claim; (2) the amount, 
status, and history of the claim; and (3) the program under which the 
claim arose. The Department may disclose the information specified in 
this paragraph under 5 U.S.C. 552a(b)(12) and the procedures contained 
in 31 U.S.C. 3711(e). A consumer reporting agency to which these 
disclosures may be made is defined at 15 U.S.C. 1681a(f) and 31 U.S.C. 
3701(a)(3).

POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING, 
AND DISPOSING OF RECORDS IN THE SYSTEM:
STORAGE:
    The Department electronically stores origination and disbursement 
records on hard disk at TSYS in Columbus, Georgia. It stores electronic 
master promissory notes on hard disk at the Dell Perot Systems Data 
Center in Plano, Texas. Paper Direct Loan promissory notes are stored 
in locked vaults in Montgomery, Alabama and at a Federal Records Center 
near Atlanta, Georgia. Data obtained from the paper promissory notes 
are stored on hard disks at TSYS in Columbus, Georgia. This data is 
referred to as metadata and is used by the system to link promissory 
notes to borrower data. The Department also creates electronic images 
of the paper promissory notes at the HP facility in Montgomery, AL and 
stores the images at the HP facility in Plano, Texas.

RETRIEVABILITY:
    Records in the system are retrieved by the individual's SSN or 
name, or by the institution's Office of Postsecondary Education 
identification number (OPEID).

SAFEGUARDS:
    All physical access to the sites of the Department's contractors 
where this system of records is maintained, is controlled and monitored 
by security personnel who check each individual entering the buildings 
for his or her employee or visitor badge.
    In accordance with the Department's Administrative Communications 
System Directive OM: 5-101 entitled ``Contractor Employee Personnel 
Security Screenings,'' all contract and Department personnel who have 
facility access and system access must undergo a security clearance 
investigation. Individuals requiring access to Privacy Act data are 
required to hold, at a minimum, a moderate-risk security clearance 
level. These individuals are required to undergo periodic screening at 
five-year intervals.
    In addition to undergoing security clearances, contract and 
Department employees are required to complete security awareness 
training on an annual basis. Annual security awareness training is 
required to ensure that contract and Department users are appropriately 
trained in safeguarding Privacy Act data in accordance with OMB 
Circular No. A-130, Appendix III.
    The computer system employed by the Department offers a high degree 
of resistance to tampering and circumvention. This security system 
limits data access to Department and contract staff on a ``need-to-
know'' basis and controls individual users' ability to access and alter 
records within the system. All users of this system of records are 
given a unique user identification. The Department's Federal Student 
Aid (FSA) Information Security and Privacy Policy requires the 
enforcement of a complex password policy. In addition to the 
enforcement of the complex password policy, users are required to 
change their password at least every 90 days in accordance with the 
Department's information technology standards.

RETENTION AND DISPOSAL:
    Federal Direct Loan Records:
    Records are maintained and disposed of in accordance with ED 072 
FSA Application, Origination, and Disbursement Records, Item b.2. 
Records are destroyed 15 years after final repayment or audit, or after 
relevant data is transferred to an alternate recordkeeping system 
(i.e., loan servicing system), whichever occurs first.
    Grant Records:
    Records are maintained and disposed of in accordance with ED 072 
FSA Application, Origination, and Disbursement Records, Item b.2. 
Records are destroyed 15 years after final repayment or audit, or after 
relevant data is transferred to an alternate recordkeeping system 
(i.e., National Student Loan Data System), whichever occurs first.

SYSTEM MANAGER AND ADDRESS:
    System Manager, Common Origination and Disbursement System, FSA, 
U.S. Department of Education, UCP, 830 First Street, NE., 6th Floor, 
Washington, DC 20202-5454.

NOTIFICATION PROCEDURE:
    If you wish to determine whether a record exists regarding you in 
the system of records, provide the system manager with your name, date 
of birth, and SSN. Requests must meet the requirements in 34 CFR 5b.5, 
including proof of identity.

RECORD ACCESS PROCEDURE:
    If you wish to gain access to a record in this system, provide the 
system manager with your name, date of birth, and SSN. Requests by an 
individual for access to a record must meet the requirements in 34 CFR 
5b.5, including proof of identity.

CONTESTING RECORD PROCEDURE:
    If you wish to change the content of a record regarding you in the 
system of records, provide the system manager with your name, date of 
birth, and SSN. Identify the specific items to be changed, and provide 
a written justification for the change. Requests to amend a record must 
meet the requirements in 34 CFR 5b.7.

RECORD SOURCE CATEGORIES:
    This system includes records on individuals who have received title 
IV, HEA program assistance. These records include information provided 
by recipients of title IV, HEA program assistance and the parents of 
dependent recipients. This system also includes information from 
Federal Grant and Direct Loan origination and disbursement records 
provided by institutions of higher education or their agents to the 
Department. The Central Processing System (CPS) (covered by the 
Department's Privacy Act system of records notice entitled ``Federal 
Student Aid Application File'' (18-11-01)) electronically sends the COD 
system the Abbreviated Applicant File to validate all CPS-processed 
Free Application for Federal Student Aid (FAFSA) records with the 
Federal Grant and Direct Loan disbursement data processed through the 
COD system.
    The Department's Privacy Act system of records notice entitled 
``Common Services for Borrowers (CSB)'' (18-11-16) sends COD booking 
acknowledgements, discharge information, and payments to servicer data.

EXEMPTIONS CLAIMED FOR THE SYSTEM:
    None.

[FR Doc. 2010-24162 Filed 9-24-10; 8:45 am]
BILLING CODE 4000-01-P


</pre><script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script></body>
</html>