81 FR 95595 - Privacy Act of 1974; System of Records
FEDERAL HOUSING FINANCE AGENCY Federal Register Volume 81, Issue 249 (December 28, 2016)
Federal Register Volume 81, Issue 249 (December 28, 2016)
| Page Range | 95595-95596 | |
| FR Document | 2016-31381 |
[Federal Register Volume 81, Number 249 (Wednesday, December 28, 2016)] [Notices] [Pages 95595-95596] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2016-31381] ----------------------------------------------------------------------- FEDERAL HOUSING FINANCE AGENCY [No. 2016-N-13] Privacy Act of 1974; System of Records AGENCY: Federal Housing Finance Agency. ACTION: Notice of revision to an existing system of records; request for comments. ----------------------------------------------------------------------- SUMMARY: In accordance with the requirements of the Privacy Act of 1974, as amended, 5 U.S.C. 552a (Privacy Act), the Federal Housing Finance Agency (FHFA) is making a revision to an existing system of records entitled ``National Mortgage Database Project'' (FHFA-21). The system of records covers the National Mortgage Database Project which is comprised of the National Mortgage Database, the National Survey of Mortgage Originations (formerly known as the National Survey of Mortgage Borrowers), and the American Survey of Mortgage Borrowers. The National Mortgage Database Project is for monitoring, researching, analyzing, and reporting information relevant to the functioning of the mortgage markets. DATES: To be assured of consideration, comments must be received on or before January 26, 2017. The revisions to the existing system will become effective on February 6, 2017 unless comments necessitate otherwise. FHFA will publish a new notice if, in order to review comments, the effective date is delayed or if changes are made based on comments received. ADDRESSES: Submit comments, identified by ``2016-N-13,'' using only one of the following methods:Agency Web site: www.fhfa.gov/open-for-comment-or-input. Federal eRulemaking Portal: http://www.regulations.gov. Follow the instructions for submitting comments. If you submit your comment to the Federal eRulemaking Portal, please also send it by email to FHFA at [email protected] to ensure timely receipt by FHFA. Please include ``2016-N-13'' in the subject line of the message. Hand Delivered/Courier: The hand delivery address is: Alfred M. Pollard, [[Page 95596]] General Counsel, Attention: Comments/2016-N-13, Federal Housing Finance Agency, 400 Seventh Street SW., Eighth Floor, Washington, DC 20219. To ensure timely receipt of hand delivered package, please ensure that the package is delivered to the Seventh Street entrance Guard Desk, First Floor, on business days between 9 a.m. to 5 p.m. U.S. Mail, United Parcel Service, Federal Express, or Other Mail Service: The mailing address for comments is: Alfred M. Pollard, General Counsel, Attention: Comments/2016-N-13, Federal Housing Finance Agency, 400 Seventh Street SW., Eighth Floor, Washington, DC 20219. Please note that all mail sent to FHFA via the U.S. Postal Service is routed through a national irradiation facility, a process that may delay delivery by approximately two weeks. For any time-sensitive correspondence, please plan accordingly. See SUPPLEMENTARY INFORMATION for additional information on submission and posting of comments. FOR FURTHER INFORMATION CONTACT: Forrest Pafenberg, Program Manager, National Mortgage Database Project, [email protected] or (202) 649-3129; Stacy Easter, Privacy Act Officer, [email protected] or (202) 649-3803; or David A. Lee, Senior Agency Official for Privacy, [email protected] or (202) 649-3803 (not toll-free numbers), Federal Housing Finance Agency, 400 Seventh Street SW., Washington, DC 20219. The telephone number for the Telecommunications Device for the Deaf is 800-877-8339. SUPPLEMENTARY INFORMATION: I. Comments FHFA seeks public comments on the revision to the system of records and will take all comments into consideration. See 5 U.S.C. 552a(e)(4) and (11). In addition to referencing ``Comments/2016-N-13,'' please reference the ``National Mortgage Database Project'' (FHFA-21). All comments received will be posted without change on the FHFA Web site at http://www.fhfa.gov, and will include any personal information provided, such as name, address (mailing and email), and telephone numbers. In addition, copies of all comments received will be available without change for public inspection on business days between the hours of 10 a.m. and 3 p.m., at the Federal Housing Finance Agency, 400 Seventh Street SW., Washington, DC 20219. To make an appointment to inspect comments, please call the Office of General Counsel at (202) 649-3804. II. Introduction This notice satisfies the Privacy Act requirement that an agency publish a system of records notice in the Federal Register when there is an addition or change to an agency's system of records. Congress has recognized that application of all requirements of the Privacy Act to certain categories of records may have an undesirable and often unacceptable effect upon agencies in the conduct of necessary public business. Consequently, Congress established general exemptions and specific exemptions that could be used to exempt records from provisions of the Privacy Act. Congress also required that exempting records from provisions of the Privacy Act would require the head of an agency to publish a determination to exempt a record from the Privacy Act as a rule in accordance with the Administrative Procedure Act. The Director of FHFA has determined that records and information in this system of records are not exempt from the requirements of the Privacy Act. As required by the Privacy Act, 5 U.S.C. 552a(r), and pursuant to paragraph 4c of Appendix I to OMB Circular No. A-130, ``Federal Agency Responsibilities for Maintaining Records About Individuals,'' dated November 28, 2000, FHFA has submitted a report describing the system of records covered by this notice 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. III. Revised System of Records The ``National Mortgage Database Project'' (FHFA-21) system of records is being revised to add data fields related to language, specifically information related to Limited English Proficiency or a Preferred Language. The information is being collected to identify obstacles for borrowers with Limited English Proficiency (LEP) or a Preferred Language (PL) in accessing mortgage credit, analyze potential solutions, and develop measures to improve access to credit. This information will assist FHFA in ensuring that its regulated entities appropriately support meaningful access to the mortgage market for mortgage ready LEP/PL borrowers, as well as support the overall goal of assuring that borrowers are able to understand and participate fully in the mortgage life cycle, including origination, servicing, and loss mitigation, regardless of the language spoken. Information about LEP or PL will be collected as part of the National Survey of Mortgage Originations and the American Survey of Mortgage Borrowers. Responses to the survey will be maintained in anonymized form as part of the National Mortgage Database Project. A separate opt-out list from the Surveys will be maintained which will contain name, address, and Zip Code of those individuals who have opted out of receiving communications about the Surveys. FHFA employees will not have access to this list. This list is maintained in order to ensure that these individuals do not receive any future communications about the Surveys after opting out. The revision to the system of records notice is described in detail below. All other aspects of the system of records notice, other than the changes described below, remain unchanged. FHFA-21 SYSTEM NAME: National Mortgage Database Project. CATEGORIES OF RECORDS IN THE SYSTEM: Records include information related to an individual's language preference, including, but not limited to, information about the borrower's or co-borrower's Limited English Proficiency and/or Preferred Language. Dated: December 21, 2016. Melvin L. Watt, Director, Federal Housing Finance Agency. [FR Doc. 2016-31381 Filed 12-27-16; 8:45 am] BILLING CODE 8070-01-P
![Federal Register / Vol. 81, No. 249 / Wednesday, December 28, 2016 / Notices 95595
The Banks use most of the the average time to prepare and submit Dated: December 22, 2016.
information collected under part 1263 to a notice will be 1.5 hours. Accordingly, Kevin Winkler,
determine whether an applicant satisfies the estimate for the annual hour burden Chief Information Officer, Federal Housing
the statutory and regulatory associated with preparation and Finance Agency.
requirements for Bank membership and submission of notices of intent to [FR Doc. 2016–31383 Filed 12–27–16; 8:45 am]
should be approved as a Bank member. withdraw is (4 withdrawing members × BILLING CODE 8070–01–P
The Banks may use some of the 1.5 hours per application) = 6 hours.
information collected under part 1263
as a means of learning that a member IV. Requests for Transfer of Membership FEDERAL HOUSING FINANCE
wishes to withdraw or to transfer its to Another Bank District AGENCY
membership to a different Bank so that
FHFA estimates that the average [No. 2016–N–13]
the Bank can begin to process those
requests. In rare cases, FHFA may use number of Bank members submitting a
request for transfer to another Bank will Privacy Act of 1974; System of
the collected information to determine Records
whether an institution that has been be 35 and that the average time to
denied membership by a Bank should prepare and submit a request will be 2 AGENCY: Federal Housing Finance
be permitted to become a member of hours. Accordingly, the estimate for the Agency.
that Bank. annual hour burden associated with ACTION: Notice of revision to an existing
The OMB control number for this preparation and submission of requests system of records; request for
information collection is 2590–0003, for automatic transfer is (35 transferring comments.
which is due to expire on December 31, members × 2 hours per request) = 70
2016. The likely respondents are hours. SUMMARY: In accordance with the
financial institutions that are, or are requirements of the Privacy Act of 1974,
applying to become, Bank members. C. Comment Request as amended, 5 U.S.C. 552a (Privacy
Act), the Federal Housing Finance
B. Burden Estimate In accordance with the requirements
Agency (FHFA) is making a revision to
FHFA has analyzed the time burden of 5 CFR 1320.8(d), FHFA published an
an existing system of records entitled
imposed on respondents by the four initial notice requesting comments ‘‘National Mortgage Database Project’’
collections under this control number regarding this information collection in (FHFA–21). The system of records
and estimates that the average annual the Federal Register on October 7, covers the National Mortgage Database
burden imposed on all respondents by 2016.8 The 60-day comment period Project which is comprised of the
those collections over the next three closed on December 6, 2016. No National Mortgage Database, the
years will be 2,351 hours. This estimate comments were received. However, National Survey of Mortgage
is derived from the following during the pendency of the comment Originations (formerly known as the
calculations: period, FHFA consulted with several of National Survey of Mortgage
the Banks regarding the burden Borrowers), and the American Survey of
I. Membership Applications
estimates for this information collection. Mortgage Borrowers. The National
FHFA estimates that the average As a result of the Banks’ input, FHFA Mortgage Database Project is for
number of applications for Bank has made some revisions to the burden monitoring, researching, analyzing, and
membership submitted annually will be estimates, so that those appearing above reporting information relevant to the
151 and that the average time to prepare are somewhat different than those that functioning of the mortgage markets.
and submit an application and appeared in the 60-day notice. DATES: To be assured of consideration,
supporting materials will be 15 hours. comments must be received on or before
Accordingly, the estimate for the annual In accordance with the requirements
of 5 CFR 1320.10(a), FHFA is publishing January 26, 2017. The revisions to the
hour burden associated with existing system will become effective on
preparation and submission of this second notice to request comments
regarding the following: (1) Whether the February 6, 2017 unless comments
applications for Bank membership is necessitate otherwise. FHFA will
(151 applications × 15 hours per collection of information is necessary
publish a new notice if, in order to
application) = 2,265 hours. for the proper performance of FHFA
review comments, the effective date is
functions, including whether the
II. Appeals of Membership Denials delayed or if changes are made based on
information has practical utility; (2) the
FHFA estimates that the average comments received.
accuracy of FHFA’s estimates of the
number of applicants that have been ADDRESSES: Submit comments,
burdens of the collection of information;
denied membership by a Bank that will (3) ways to enhance the quality, utility identified by ‘‘2016–N–13,’’ using only
appeal such a denial to FHFA will be 1 one of the following methods:
and clarity of the information collected;
and that the average time to prepare and • Agency Web site: www.fhfa.gov/
and (4) ways to minimize the burden of
submit an application for appeal will be open-for-comment-or-input.
the collection of information on • Federal eRulemaking Portal: http://
10 hours. Accordingly, the estimate for members and project sponsors,
the annual hour burden associated with www.regulations.gov. Follow the
including through the use of automated instructions for submitting comments. If
the preparation and submission of
collection techniques or other forms of
membership appeals is (1 appellants × you submit your comment to the
information technology. Comments Federal eRulemaking Portal, please also
sradovich on DSK3GMQ082PROD with NOTICES
10 hours per application) = 10 hours.
should be submitted in writing to both send it by email to FHFA at
III. Notices of Intent To Withdraw From OMB and FHFA as instructed above in RegComments@fhfa.gov to ensure
Membership the COMMENTS section. timely receipt by FHFA. Please include
FHFA estimates that the average ‘‘2016–N–13’’ in the subject line of the
number of Bank members submitting a message.
notice of intent to withdraw from • Hand Delivered/Courier: The hand
membership annually will be 4 and that 8 See 81 FR 69820 (Oct. 7, 2016). delivery address is: Alfred M. Pollard,
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![95596 Federal Register / Vol. 81, No. 249 / Wednesday, December 28, 2016 / Notices
General Counsel, Attention: Comments/ II. Introduction Information about LEP or PL will be
2016–N–13, Federal Housing Finance This notice satisfies the Privacy Act collected as part of the National Survey
Agency, 400 Seventh Street SW., Eighth requirement that an agency publish a of Mortgage Originations and the
Floor, Washington, DC 20219. To ensure system of records notice in the Federal American Survey of Mortgage
timely receipt of hand delivered Register when there is an addition or Borrowers. Responses to the survey will
package, please ensure that the package change to an agency’s system of records. be maintained in anonymized form as
is delivered to the Seventh Street Congress has recognized that part of the National Mortgage Database
entrance Guard Desk, First Floor, on application of all requirements of the Project. A separate opt-out list from the
business days between 9 a.m. to 5 p.m. Privacy Act to certain categories of Surveys will be maintained which will
• U.S. Mail, United Parcel Service, records may have an undesirable and contain name, address, and Zip Code of
Federal Express, or Other Mail Service: often unacceptable effect upon agencies those individuals who have opted out of
The mailing address for comments is: in the conduct of necessary public receiving communications about the
Alfred M. Pollard, General Counsel, business. Consequently, Congress Surveys. FHFA employees will not have
Attention: Comments/2016–N–13, established general exemptions and access to this list. This list is maintained
Federal Housing Finance Agency, 400 specific exemptions that could be used in order to ensure that these individuals
Seventh Street SW., Eighth Floor, to exempt records from provisions of the do not receive any future
Washington, DC 20219. Please note that Privacy Act. Congress also required that communications about the Surveys after
all mail sent to FHFA via the U.S. Postal exempting records from provisions of opting out.
Service is routed through a national the Privacy Act would require the head The revision to the system of records
irradiation facility, a process that may of an agency to publish a determination notice is described in detail below. All
delay delivery by approximately two to exempt a record from the Privacy Act other aspects of the system of records
weeks. For any time-sensitive as a rule in accordance with the notice, other than the changes described
correspondence, please plan Administrative Procedure Act. The below, remain unchanged.
accordingly. Director of FHFA has determined that
See SUPPLEMENTARY INFORMATION for FHFA–21
records and information in this system
additional information on submission of records are not exempt from the SYSTEM NAME:
and posting of comments. requirements of the Privacy Act. National Mortgage Database Project.
FOR FURTHER INFORMATION CONTACT: As required by the Privacy Act, 5
Forrest Pafenberg, Program Manager, CATEGORIES OF RECORDS IN THE SYSTEM:
U.S.C. 552a(r), and pursuant to
National Mortgage Database Project, paragraph 4c of Appendix I to OMB Records include information related
Forrest.Pafenberg@fhfa.gov or (202) Circular No. A–130, ‘‘Federal Agency to an individual’s language preference,
649–3129; Stacy Easter, Privacy Act Responsibilities for Maintaining including, but not limited to,
Officer, privacy@fhfa.gov or (202) 649– Records About Individuals,’’ dated information about the borrower’s or co-
3803; or David A. Lee, Senior Agency November 28, 2000, FHFA has borrower’s Limited English Proficiency
Official for Privacy, privacy@fhfa.gov or submitted a report describing the system and/or Preferred Language.
(202) 649–3803 (not toll-free numbers), of records covered by this notice to the Dated: December 21, 2016.
Federal Housing Finance Agency, 400 Committee on Oversight and Melvin L. Watt,
Seventh Street SW., Washington, DC Government Reform of the House of Director, Federal Housing Finance Agency.
20219. The telephone number for the Representatives, the Committee on [FR Doc. 2016–31381 Filed 12–27–16; 8:45 am]
Telecommunications Device for the Deaf Homeland Security and Governmental BILLING CODE 8070–01–P
is 800–877–8339. Affairs of the Senate, and the Office of
SUPPLEMENTARY INFORMATION: Management and Budget.
I. Comments III. Revised System of Records FEDERAL HOUSING FINANCE
AGENCY
FHFA seeks public comments on the The ‘‘National Mortgage Database
revision to the system of records and Project’’ (FHFA–21) system of records is [No. 2016–N–16]
will take all comments into being revised to add data fields related
consideration. See 5 U.S.C. 552a(e)(4) to language, specifically information Proposed Collection; Comment
and (11). In addition to referencing related to Limited English Proficiency or Request
‘‘Comments/2016–N–13,’’ please a Preferred Language. The information AGENCY: Federal Housing Finance
reference the ‘‘National Mortgage is being collected to identify obstacles Agency.
Database Project’’ (FHFA–21). for borrowers with Limited English ACTION: 30-Day Notice of submission of
All comments received will be posted Proficiency (LEP) or a Preferred information collection for approval from
without change on the FHFA Web site Language (PL) in accessing mortgage Office of Management and Budget.
at http://www.fhfa.gov, and will include credit, analyze potential solutions, and
any personal information provided, develop measures to improve access to SUMMARY: In accordance with the
such as name, address (mailing and credit. This information will assist requirements of the Paperwork
email), and telephone numbers. In FHFA in ensuring that its regulated Reduction Act of 1995, the Federal
addition, copies of all comments entities appropriately support Housing Finance Agency (FHFA or the
received will be available without meaningful access to the mortgage Agency) is seeking public comments
change for public inspection on market for mortgage ready LEP/PL concerning the information collection
sradovich on DSK3GMQ082PROD with NOTICES
business days between the hours of 10 borrowers, as well as support the overall known as the ‘‘National Survey of
a.m. and 3 p.m., at the Federal Housing goal of assuring that borrowers are able Mortgage Originations’’ (NSMO), which
Finance Agency, 400 Seventh Street to understand and participate fully in has been assigned control number 2590–
SW., Washington, DC 20219. To make the mortgage life cycle, including 0012 by the Office of Management and
an appointment to inspect comments, origination, servicing, and loss Budget (OMB) (the collection was
please call the Office of General Counsel mitigation, regardless of the language previously known as the ‘‘National
at (202) 649–3804. spoken. Survey of Mortgage Borrowers’’). FHFA
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Document Created: 2016-12-28 02:16:58
Document Modified: 2016-12-28 02:16:58
| Category | Regulatory Information | |
| Collection | Federal Register | |
| sudoc Class | AE 2.7: GS 4.107: AE 2.106: | |
| Publisher | Office of the Federal Register, National Archives and Records Administration | |
| Section | Notices | |
| Action | Notice of revision to an existing system of records; request for comments. | |
| Dates | To be assured of consideration, comments must be received on or before January 26, 2017. The revisions to the existing system will become effective on February 6, 2017 unless comments necessitate otherwise. FHFA will publish a new notice if, in order to review comments, the effective date is delayed or if changes are made based on comments received. | |
| Contact | Forrest Pafenberg, Program Manager, National Mortgage Database Project, [email protected] or (202) 649-3129; Stacy Easter, Privacy Act Officer, [email protected] or (202) 649-3803; or David A. Lee, Senior Agency Official for Privacy, [email protected] or (202) 649-3803 (not toll-free numbers), Federal Housing Finance Agency, 400 Seventh Street SW., Washington, DC 20219. The telephone number for the Telecommunications Device for the Deaf is 800-877-8339. | |
| FR Citation | 81 FR 95595 |
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