82_FR_26811 82 FR 26702 - Privacy Act of 1974: Enterprise Data Management (EDM) System of Records

82 FR 26702 - Privacy Act of 1974: Enterprise Data Management (EDM) System of Records

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

Federal Register Volume 82, Issue 109 (June 8, 2017)

Page Range26702-26705
FR Document2017-11937

HUD proposes to add a new system of records to its inventory of systems of records, subject to the Privacy Act of 1974, as amended. This action is necessary to meet the requirements of the Privacy Act to publish in the Federal Register notice of the existence and character of records maintained by HUD. This system of records notice authorizes HUD's Enterprise Data Management (EDM) to collect and maintain information. HUD's goal is to upgrade HUD's data management, data warehousing, data mining and data security capabilities from current outdated legacy database to a more advanced warehouse model.

Federal Register, Volume 82 Issue 109 (Thursday, June 8, 2017)
[Federal Register Volume 82, Number 109 (Thursday, June 8, 2017)]
[Notices]
[Pages 26702-26705]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2017-11937]


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DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

[Docket No. FR-6009-N-02]


Privacy Act of 1974: Enterprise Data Management (EDM) System of 
Records

AGENCY: Office of Administration, HUD.

ACTION: Notice of a new system of records.

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

SUMMARY: HUD proposes to add a new system of records to its inventory 
of systems of records, subject to the Privacy Act of 1974, as amended. 
This action is necessary to meet the requirements of the Privacy Act to 
publish in the Federal Register notice of the existence and character 
of records maintained by HUD. This system of records notice authorizes 
HUD's Enterprise Data Management (EDM) to collect and maintain 
information. HUD's goal is to upgrade HUD's data management, data 
warehousing, data mining and data security capabilities from current 
outdated legacy database to a more advanced warehouse model.

DATES: In accordance with 5 U.S.C. 552a(e)(4) and (11), the public is 
given a 30-day period in which to comment. Therefore, submit comments 
on or before July 10, 2017.

ADDRESSES: You may submit comments, identified by docket number and 
title, by one of the following methods:
     Federal e-Rulemaking Portal: http://www.regulations.gov. 
Follow the instructions provided on that Site to submit comments 
electronically.
     Fax: 202-619-8365.
     Email: [email protected].
     Mail: Attention: Housing and Urban Development, Privacy 
Office, Marcus Smallwood, The Executive Secretariat, 451 Seventh Street 
SW., Room 10139, Washington, DC 20410.
    Instructions: All submission received must include the agency name 
and docket number for this Federal Register document. The general 
policy for comments and other submission from members of the public is 
make three submissions available for public viewing on the Internet at 
http://www.regulations.gov, as they are received without change, 
including any personal identifiers or contact information.
    Docket: For access to the docket to read background documents or 
comments received, please visit http://www.regulations.gov.

FOR FURTHER INFORMATION CONTACT: Marcus Smallwood, Chief Privacy 
Officer, 451 Seventh Street SW., Room 10139, Washington, DC 20410, 
telephone number 202-708-3054. Individuals who are hearing- and speech-
impaired may access this number via TTY by calling the Federal Relay 
Service at 800-877-8339 (this is a toll-free number).

SUPPLEMENTARY INFORMATION: In accordance with the Privacy Act of 1974, 
5 U.S.C. 552a, the Department of Housing and Urban Development (HUD) 
Office of Chief Information Officer (OCIO) proposes to establish a new 
HUD system of records titled, ``Enterprise Data Management (EDM) System 
of Records.'' This system of records is operated by HUD's OCIO, and it 
will be developed in several phases. The initial phase includes 
personally identifiable information (PII) about borrowers of Federal 
Housing Administration (FHA)-insured single-family mortgages, employees 
of FHA-approved lending institutions, third-parties associated with 
FHA/HUD transactions such as appraisers and HUD personnel associated 
with single family transactions.
    OCIO is establishing an EDM environment. The EDM environment 
includes a modern ``Data Lake''; which is a centralized data 
environment to onboard HUD data for use in analytical reporting. The 
EDM also serves as the centralized environment for systems to consume 
data from HUD systems (eliminating point to point interfaces). In 
accordance with Section 203, National Housing Act, Public Law 73-479; 
and 42 U.S.C. 3543, titled ``Preventing fraud and abuse in Department 
of Housing and Urban Development programs'' enacted as part of the 
Housing and Community Development Act of 1987, the EDM and data lake 
enables HUD data consumers to gain new insights that will allow HUD to 
better identify trends and previously unknown risk drivers, thus

[[Page 26703]]

strengthening its risk management and fraud prevention framework.
    EDM extracts data from multiple source systems for analysis and 
reporting. The EDM will provide query and reporting tools that aid in 
supporting HUD's oversight activities, market and economic assessment, 
public and stakeholder communication, planning and performance 
evaluation, policies and guidelines promulgation, monitoring and 
enforcement. Making data available from the HUD source systems will 
involve Data Extraction, Transformation, and Load (ETL) into the EDM 
environment. The type of HUD source system (e.g., mainframe, relational 
database management system (RDBMS), hierarchical) will determine the 
approach and the tools that will be used to extract the data. EDM 
extracts data from multiple source systems for analysis and reporting. 
The EDM will provide query and reporting tools that aid in supporting 
HUD's oversight activities, market and economic assessment, public and 
stakeholder communication, planning and performance evaluation, 
policies and guidelines promulgation, monitoring and enforcement. The 
following lists the type of information collected from Source Systems 
for the initial phase of EDM:
     Mortgagors: Name, addresses, date of birth, social 
security number, and racial/ethnic background (if disclosed) which are 
supplied by lenders through Automated Underwriting Systems during the 
mortgage application and underwriting process.
     Parties Involved with Transaction: Name, addresses, and 
identifying numbers which are supplied by the lender or the individual.
     Mortgage Details: Data regarding current and former FHA 
insured mortgages which includes underwriting data, such as: Loan-to-
value ratios and expense ratios; original terms, such as: Mortgage 
amount, interest rate, term in months; status of the mortgage 
insurance; and history of payment defaults, if any. This information is 
provided by the lender at the time of closing, and also maintained by 
the loan servicer.
     HUD Employees: Names and identification of all HUD 
employees who have access to the system records. Also, identification 
information is stored for employees who work with mortgage applications 
through FHA Connection.
     Aggregated measures of the data stated above to enable 
statistical reporting and analysis of trends.

II. Privacy Act

    The Privacy Act embodies fair information practice principles in a 
statutory framework governing how the Federal Government collects, 
maintains, uses, and disseminates individuals' records. The Privacy Act 
applies to information that is maintained in a ``system of records.'' A 
``system of records'' is a group of any records under the control of an 
agency from which information is retrieved by the name of an individual 
or by some identifying number, symbol, or other identifying particular 
assigned to the individual. In the Privacy Act, an individual is 
defined to encompass U.S. citizens and lawful permanent residents. As a 
matter of policy, HUD extends administrative Privacy Act protections to 
all individuals, excluding persons who are not United States citizens 
or lawful permanent residents from the protections of the Privacy Act 
regarding personally identifiable information, when systems of records 
maintain information on U.S. citizens, lawful permanent residents, and 
visitors.
    This new public notice allows HUD to organize and re-publish up-to-
date and accurate information about this system of records. The notice 
correction incorporates Federal privacy requirements, and HUD policy 
requirements. The Privacy Act provides certain safeguards for an 
individual against an invasion of personal privacy by requiring Federal 
agencies to protect records contained in an agency system of records 
from unauthorized disclosure, ensure that information is current for 
its intended use, and that adequate safeguards are provided to prevent 
misuse of such information. Additionally, the updates reflect the 
Department's focus on industry best practices in protecting the 
personal privacy of the individuals covered by each system 
notification.
    In accordance with 5 U.S.C. 552a(r), HUD has provided a report of 
this system of records to the Office of Management and Budget (OMB) and 
to Congress, the Senate Committee on Homeland Security and Governmental 
Affairs, and the House Committee on Government Reform and Oversight as 
instructed by Paragraph 7b of OMB Circular No. A-108, ``Federal Agency 
Responsibilities for Review, Reporting, and Publication under the 
Privacy Act,'' December 23, 2016.
SYSTEM NAME AND NUMBER:

HUD/OCIO--01 Enterprise Data Management (EDM)

SECURITY CLASSIFICATION:
    Unclassified, but sensitive.

SYSTEM LOCATION:
    EDM is hosted at the Department of Housing and Urban Development, 
451 Seventh Street SW., Washington, DC 20410, or at the locations of 
the service providers under contract with HUD.

SYSTEM MANAGER(S):
    Mark Hayes, Chief Technology Officer, Department of Housing and 
Urban Development, 451 Seventh Street SW., Room 4166, Washington, DC 
20410, 202-402-5526.

AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
    The system is maintained in accordance with Section 203, National 
Housing Act, Public Law 73-479, and 42 U.S.C. 3543 titled ``Preventing 
fraud and abuse in Department of Housing and Urban Development 
programs,'' enacted as part of the Housing and Community Development 
Act of 1987 which permits the collection of Social Security Numbers.

PURPOSE(S) OF THE SYSTEM:
    EDM replaces HUD's current data storage, retrieval and warehousing 
capabilities. EDM will be implemented in phases across HUD, and the 
first phase is to directly support the new Loan Review System (LRS). It 
will collect data from certain specified source systems and return it 
to LRS. Subsequent phases will collect data from other source systems, 
and ultimately will replace all existing data warehouses across HUD.

CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
    The initial phase of EDM will cover individuals who have obtained a 
mortgage insured under FHA's single family mortgage insurance programs, 
individuals who have assumed such a mortgage, and individuals involved 
in appraising, underwriting, or servicing the mortgage (commonly 
referred to as ``mortgagee/lender'').

CATEGORIES OF RECORDS IN THE SYSTEM:
    The initial categories of records maintained by the system include:
     Appraiser: First Name, Last Name, Middle Name, Suffix.
     Case Borrower(s): Borrower(s) Full Name, Borrower(s) 
Social Security number, Non-Borrowing Spouse Social Security number.
     Loan Officer: First Name, Last Name, Middle Name.
     Case Property: Basement Code, Neighborhood Percentage 
Owned,

[[Page 26704]]

Neighborhood Predominate, Price, Subdivision Indicator, Property 
Acquisition Date, Property Street, Property Conversion Type, Rural 
Neighborhood Code, Neighborhood Single Family Home Percentage, 
Subdivision Lot Indicator, Building Type, Date of Sale or Transfer, 
Sale Amount, Year Built, City, Zip, Geocode Flag, Underserved 
Indicator, Block, Lot, House Number, Street Number.
     FHA Case Information: Federal Housing Administration (FHA) 
Case Number, Case Established Date, Case Reinstatement Date, Case Type, 
Originating Mortgagee ID, Sponsor Mortgagee ID, Loan Officer Nationwide 
Multistate Licensing System (NMLS) ID, Underwriter Name, Underwriter 
ID.
     Mortgagee (Lender) Branch: Branch Type, Branch ID, 
Mortgagee Institution ID, Mortgagee Institution Name, Mortgagee 
Institution Type, Mortgagee Nationwide Multistate Licensing System 
(NMLS) ID, Mortgagee Status.
     HUD Employees: Names and identification of all HUD 
employees who have access to the system records. Also, identification 
information is stored for employees who work with mortgage applications 
through FHA Connection.
     Servicing Status: Servicing Status, Claims, and 
Indemnification Agreement.

RECORD SOURCE CATEGORIES:
    Mortgagors, appraisers, mortgagee staff, underwriters, and HUD 
employees provide data to the originating source systems. The following 
originating source systems then pass their data to the Enterprise Data 
Warehouse used in EDM:
     A43--Single Family Insurance System (SFIS)
     A43C--Single Family Claims Subsystem (SFCS)
     F17--Computerized Homes Underwriting Management System 
(CHUMS)
     F17C--FHA Connection (FHAC)
     F17T--TOTAL Mortgage Scorecard (TOTAL)
     F42D--Single Family Default Monitoring System (SFDMS)
     P271--Home Equity Reverse Mortgage Information System 
(HERMIT)
     P278--Lender Electronic Assessment Portal (LEAP)
     P303--Loan Review System (LRS)

ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES 
OF USERS AND PURPOSES OF SUCH USES:
    In addition to those disclosures generally permitted under 5 U.S.C. 
Section 552a(b) of the Privacy Act, all or a portion of the records or 
information contained in this system may be disclosed outside HUD as a 
routine use pursuant to 5 U.S.C. 552a(b)(3) as follows:
    1. To appropriate agencies, entities, and persons to the extent 
such disclosures are compatible with the purpose for which the records 
in this system were collected, as set forth by Appendix I--HUD's 
Routine Use Inventory Notice published in 80 FR 81837.
    2. To appropriate agencies, entities, and persons when:
    (a) HUD suspects or has confirmed that the security or 
confidentiality of information in a system of records has been 
compromised;
    (b) HUD has determined that because 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 
systems or programs (whether maintained by HUD 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 HUD's efforts to 
respond to the suspected or confirmed compromise and prevent, minimize, 
or remedy such harm for purposes of facilitating responses and 
remediation efforts in the event of a data breach.
    3. To appropriate agencies, entities, and persons when (1) HUD 
suspects or has confirmed that there has been a breach of the system of 
records, (2) HUD has determined that as a result of the suspected or 
confirmed breach there is a risk of harm to individuals, HUD (including 
its information systems, programs, and operations), the Federal 
Government, or national security; and (3) the disclosure made to such 
agencies, entities, and persons is reasonably necessary to assist in 
connection with HUD's efforts to respond to the suspected or confirmed 
breach or to prevent, minimize, or remedy such harm.
    4. To another Federal agency or Federal entity, when HUD determines 
that information from this system of records is reasonably necessary to 
assist the recipient agency or entity in (1) responding to a suspected 
or confirmed breach or (2) preventing, minimizing, or remedying the 
risk of harm to individuals, the recipient agency or entity (including 
its information systems, programs, and operations), the Federal 
Government, or national security, resulting from a suspected or 
confirmed breach.
    5. To the National Archives and Records Administration (NARA) or 
General Services Administration pursuant to records management 
inspections being conducted under the authority of 44 U.S.C. 2904 and 
2906.
    6. To a congressional office from the record of an individual in 
response to an inquiry from that congressional office made at the 
request of the individual to whom the record pertains.
    7. To appropriate agencies, entities, and persons when:
    (a) HUD suspects or has confirmed that the security or 
confidentiality of information in the system of records has been 
compromised;
    (b) HUD has determined that as a result of the suspected or 
confirmed compromise, there is a risk of identity theft or fraud, harm 
to economic or property interests, harm to an individual, or harm to 
the security or integrity of this system or other systems or programs 
(whether maintained by HUD 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 HUD's efforts to 
respond to the suspected or confirmed compromise and prevent, minimize, 
or remedy such harm.
    8. To contractors and their agents, grantees, experts, consultants, 
and others performing or working on a contract, service, grant, 
cooperative agreement, or other assignment for HUD, when necessary to 
accomplish an agency, function related to this system of records. 
Individuals provided information under this routine use are subject to 
the same Privacy Act requirements and limitations on disclosure as are 
applicable to HUD officers and employees.

POLICIES AND PRACTICES FOR STORAGE OF RECORDS:
    EDM will be stored in compliance with 36 CFR 1236.10 regulations on 
recordkeeping management controls in a Federal Risk and Authorization 
Management Program (FedRAMP) compliant network. There are no paper 
records associated with EDM.

POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS:
    In this initial phase of EDM, information is retrieved from EDM by 
FHA Case Number as the key identifier. User access to query information 
in the EDM does not exist. EDM supports only system-to-system 
interfaces.

POLICIES AND PRACTICES FOR RETENTION AND DISPOSAL OF RECORDS:
    Electronic information maintained in EDM is retrieved from 
originating recordkeeping systems and is retained

[[Page 26705]]

indefinitely for future access. This information does not meet the 
federal definition of a record as it is not evidence of the 
organization, functions, policies, decisions, procedures, operations, 
or other activities. This information is duplicated copies of record 
content preserved for convenience to facilitate new record creation 44 
U.S.C. 3301. As subsequent phases of EDM are completed, the applicable 
data retention policies for those records will be evaluated and 
maintained for associated systems.

ADMINISTRATIVE, TECHNICAL, AND PHYSICAL SAFEGUARDS:
    HUD has developed a system security plan of controls for ensuring 
and protecting Microsoft Azure Government Cloud in accordance with 
applicable laws. End users cannot directly access the Enterprise Master 
Data Warehouse used in EDM. Data exchange with other HUD systems is 
precisely specified and occurs only through secure interfaces. 
Encryption of data both at rest and in motion is enabled on a selective 
basis. EDM is subject to compliance with all Federal requirements and 
adheres to its approved system security plan (SSP).

RECORD ACCESS PROCEDURES:
    HUD allows persons (including foreign nationals) to seek 
administrative access under the Privacy Act to information maintained 
in EDM. Individuals seeking notification of and access to any record 
contained in this system of records, or seeking to contest its content, 
may submit a request in writing to the HUD Chief Freedom of Information 
Act (FOIA) Officer or OCIO FOIA Officer. If an individual believes more 
than one component maintains Privacy Act records that concern him or 
her, the individual may submit the request to Helen Goff Foster, Chief 
Privacy Officer/Senior Agency Official for Privacy, 451 Seventh Street 
SW., Room 10139, Washington, DC 20410, telephone number (202) 402-6838.
    When seeking records about yourself from this system of records or 
any other HUD system of records, your request must conform with the 
Privacy Act regulations set forth in 24 CFR part 16. You must first 
verify your identity, meaning that you must provide your full name, 
current address, and date and place of birth. You must sign your 
request, and your signature must either be notarized or submitted under 
28 U.S.C. 1746, a law that permits statements to be made under penalty 
of perjury as a substitute for notarization. In addition, your request 
should:
    (a) Explain why you believe HUD would have information on you.
    (b) Identify which Office of HUD you believe has the records about 
you.
    (c) Specify when you believe the records would have been created.
    (d) Provide any other information that will help the FOIA staff 
determine which HUD office may have responsive records.
    If your request is seeking records pertaining to another living 
individual, you must include a statement from that individual 
certifying their agreement for you to access their records. Without the 
above information, the HUD FOIA Office may not be able to conduct an 
effective search, and your request may be denied due to lack of 
specificity or lack of compliance with applicable regulations.

CONTESTING RECORD PROCEDURES:
    The Department's rules for contesting contents of records and 
appealing initial denials appear in 24 CFR part 16, Procedures for 
Inquiries. Additional assistance may be obtained by contacting Helen 
Goff Foster, Senior Agency Official for Privacy/Chief Privacy Officer, 
451 Seventh Street SW., Room 10139, Washington, DC 20410, or the HUD 
Departmental Privacy Appeals Officers, Office of General Counsel, 
Department of Housing and Urban Development, 451 Seventh Street SW., 
Washington, DC 20410.

NOTIFICATION PROCEDURES:
    See ``Records Access Procedures'' above.

EXEMPTIONS PROMULGATED FOR THE SYSTEM:
    None.

HISTORY:
    Not Applicable.

    Dated: May 4, 2017.
Helen Goff Foster,
Senior Agency Official for Privacy.
[FR Doc. 2017-11937 Filed 6-7-17; 8:45 am]
 BILLING CODE 4210-67-P



                                                    26702                          Federal Register / Vol. 82, No. 109 / Thursday, June 8, 2017 / Notices

                                                      (1) Evaluate whether the proposed                     burden per response is .25 hours (15                      Instructions: All submission received
                                                    collection of information is necessary                  minutes).                                              must include the agency name and
                                                    for the proper performance of the                         (6) An estimate of the total public                  docket number for this Federal Register
                                                    functions of the agency, including                      burden (in hours) associated with the                  document. The general policy for
                                                    whether the information will have                       collection: The total estimated annual                 comments and other submission from
                                                    practical utility;                                      hour burden associated with this                       members of the public is make three
                                                      (2) Evaluate the accuracy of the                      collection is 45,153 hours.                            submissions available for public
                                                    agency’s estimate of the burden of the                    (7) An estimate of the total public                  viewing on the Internet at http://
                                                    proposed collection of information,                     burden (in cost) associated with the                   www.regulations.gov, as they are
                                                    including the validity of the                           collection: The total estimated annual                 received without change, including any
                                                    methodology and assumptions used;                       public burden associated with this                     personal identifiers or contact
                                                      (3) Enhance the quality, utility, and                 collection is 0 dollars.                               information.
                                                    clarity of the information to be                          Dated: June 2, 2017.                                    Docket: For access to the docket to
                                                    collected; and                                          Samantha Deshommes,                                    read background documents or
                                                      (4) Minimize the burden of the                        Chief, Regulatory Coordination Division,               comments received, please visit http://
                                                    collection of information on those who                  Office of Policy and Strategy, U.S. Citizenship        www.regulations.gov.
                                                    are to respond, including through the                   and Immigration Services, Department of                FOR FURTHER INFORMATION CONTACT:
                                                    use of appropriate automated,                           Homeland Security.                                     Marcus Smallwood, Chief Privacy
                                                    electronic, mechanical, or other                        [FR Doc. 2017–11859 Filed 6–7–17; 8:45 am]             Officer, 451 Seventh Street SW., Room
                                                    technological collection techniques or                  BILLING CODE 9111–97–P                                 10139, Washington, DC 20410,
                                                    other forms of information technology,                                                                         telephone number 202–708–3054.
                                                    e.g., permitting electronic submission of                                                                      Individuals who are hearing- and
                                                    responses.                                              DEPARTMENT OF HOUSING AND                              speech-impaired may access this
                                                                                                            URBAN DEVELOPMENT                                      number via TTY by calling the Federal
                                                    Overview of This Information
                                                                                                                                                                   Relay Service at 800–877–8339 (this is
                                                    Collection                                              [Docket No. FR–6009–N–02]
                                                                                                                                                                   a toll-free number).
                                                       (1) Type of Information Collection                   Privacy Act of 1974: Enterprise Data                   SUPPLEMENTARY INFORMATION: In
                                                    Request: Extension, Without Change, of                  Management (EDM) System of Records                     accordance with the Privacy Act of
                                                    a Currently Approved Collection.                                                                               1974, 5 U.S.C. 552a, the Department of
                                                       (2) Title of the Form/Collection: MyE-               AGENCY:    Office of Administration, HUD.              Housing and Urban Development (HUD)
                                                    Verify.                                                 ACTION:    Notice of a new system of                   Office of Chief Information Officer
                                                       (3) Agency form number, if any, and                  records.                                               (OCIO) proposes to establish a new HUD
                                                    the applicable component of the DHS                     SUMMARY:   HUD proposes to add a new                   system of records titled, ‘‘Enterprise
                                                    sponsoring the collection: G–1499;                      system of records to its inventory of                  Data Management (EDM) System of
                                                    USCIS.                                                  systems of records, subject to the                     Records.’’ This system of records is
                                                       (4) Affected public who will be asked                Privacy Act of 1974, as amended. This                  operated by HUD’s OCIO, and it will be
                                                    or required to respond, as well as a brief              action is necessary to meet the                        developed in several phases. The initial
                                                    abstract: Primary: Individuals or                       requirements of the Privacy Act to                     phase includes personally identifiable
                                                    households. This form is used by                        publish in the Federal Register notice of              information (PII) about borrowers of
                                                    employees in the United States to enter                 the existence and character of records                 Federal Housing Administration (FHA)-
                                                    data into the Verification Information                  maintained by HUD. This system of                      insured single-family mortgages,
                                                    System (VIS) to ensure that the                         records notice authorizes HUD’s                        employees of FHA-approved lending
                                                    information relating to their eligibility               Enterprise Data Management (EDM) to                    institutions, third-parties associated
                                                    to work is correct and accurate before                  collect and maintain information.                      with FHA/HUD transactions such as
                                                    beginning new employment.                               HUD’s goal is to upgrade HUD’s data                    appraisers and HUD personnel
                                                       (5) An estimate of the total number of               management, data warehousing, data                     associated with single family
                                                    respondents and the amount of time                      mining and data security capabilities                  transactions.
                                                    estimated for an average respondent to                  from current outdated legacy database to                  OCIO is establishing an EDM
                                                    respond: The estimated total number of                  a more advanced warehouse model.                       environment. The EDM environment
                                                    respondents for the information                         DATES: In accordance with 5 U.S.C.                     includes a modern ‘‘Data Lake’’; which
                                                    collection Form G–1499 is 250,000 and                   552a(e)(4) and (11), the public is given               is a centralized data environment to
                                                    the estimated hour burden per response                  a 30-day period in which to comment.                   onboard HUD data for use in analytical
                                                    is .0833 hours (5 minutes). Of this                     Therefore, submit comments on or                       reporting. The EDM also serves as the
                                                    250,000, an estimated 75,000                            before July 10, 2017.                                  centralized environment for systems to
                                                    respondents will need to correct                        ADDRESSES: You may submit comments,
                                                                                                                                                                   consume data from HUD systems
                                                    information that may have been entered                  identified by docket number and title,                 (eliminating point to point interfaces).
                                                    incorrectly to continue using myE-                      by one of the following methods:                       In accordance with Section 203,
                                                    Verify; this estimated burden per                         • Federal e-Rulemaking Portal: http://               National Housing Act, Public Law 73–
                                                    response is 0833 hours (5 minutes). Of                  www.regulations.gov. Follow the                        479; and 42 U.S.C. 3543, titled
asabaliauskas on DSKBBXCHB2PROD with NOTICES




                                                    this 250,000, an estimated 10,000                       instructions provided on that Site to                  ‘‘Preventing fraud and abuse in
                                                    respondents may be required to pursue                   submit comments electronically.                        Department of Housing and Urban
                                                    further action to correct their records at                 • Fax: 202–619–8365.                                Development programs’’ enacted as part
                                                    the appropriate agency; this estimated                     • Email: privacy@hud.gov.                           of the Housing and Community
                                                    burden per response is 1.183 hours. Of                     • Mail: Attention: Housing and Urban                Development Act of 1987, the EDM and
                                                    this 250,000, an estimated 25,000                       Development, Privacy Office, Marcus                    data lake enables HUD data consumers
                                                    respondents will be required to provide                 Smallwood, The Executive Secretariat,                  to gain new insights that will allow
                                                    additional information for a second                     451 Seventh Street SW., Room 10139,                    HUD to better identify trends and
                                                    Authentication Check; this estimated                    Washington, DC 20410.                                  previously unknown risk drivers, thus


                                               VerDate Sep<11>2014   17:24 Jun 07, 2017   Jkt 241001   PO 00000   Frm 00046   Fmt 4703   Sfmt 4703   E:\FR\FM\08JNN1.SGM   08JNN1


                                                                                   Federal Register / Vol. 82, No. 109 / Thursday, June 8, 2017 / Notices                                             26703

                                                    strengthening its risk management and                   II. Privacy Act                                        SYSTEM LOCATION:
                                                    fraud prevention framework.                                The Privacy Act embodies fair                         EDM is hosted at the Department of
                                                       EDM extracts data from multiple                      information practice principles in a                   Housing and Urban Development, 451
                                                    source systems for analysis and                         statutory framework governing how the                  Seventh Street SW., Washington, DC
                                                    reporting. The EDM will provide query                   Federal Government collects, maintains,                20410, or at the locations of the service
                                                    and reporting tools that aid in                         uses, and disseminates individuals’                    providers under contract with HUD.
                                                    supporting HUD’s oversight activities,                  records. The Privacy Act applies to
                                                    market and economic assessment,                         information that is maintained in a                    SYSTEM MANAGER(S):
                                                    public and stakeholder communication,                   ‘‘system of records.’’ A ‘‘system of
                                                                                                                                                                     Mark Hayes, Chief Technology
                                                    planning and performance evaluation,                    records’’ is a group of any records under
                                                                                                            the control of an agency from which                    Officer, Department of Housing and
                                                    policies and guidelines promulgation,
                                                    monitoring and enforcement. Making                      information is retrieved by the name of                Urban Development, 451 Seventh Street
                                                    data available from the HUD source                      an individual or by some identifying                   SW., Room 4166, Washington, DC
                                                    systems will involve Data Extraction,                   number, symbol, or other identifying                   20410, 202–402–5526.
                                                    Transformation, and Load (ETL) into the                 particular assigned to the individual. In
                                                                                                                                                                   AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
                                                    EDM environment. The type of HUD                        the Privacy Act, an individual is defined
                                                    source system (e.g., mainframe,                         to encompass U.S. citizens and lawful                    The system is maintained in
                                                    relational database management system                   permanent residents. As a matter of                    accordance with Section 203, National
                                                    (RDBMS), hierarchical) will determine                   policy, HUD extends administrative                     Housing Act, Public Law 73–479, and
                                                    the approach and the tools that will be                 Privacy Act protections to all                         42 U.S.C. 3543 titled ‘‘Preventing fraud
                                                    used to extract the data. EDM extracts                  individuals, excluding persons who are                 and abuse in Department of Housing
                                                    data from multiple source systems for                   not United States citizens or lawful                   and Urban Development programs,’’
                                                    analysis and reporting. The EDM will                    permanent residents from the                           enacted as part of the Housing and
                                                    provide query and reporting tools that                  protections of the Privacy Act regarding               Community Development Act of 1987
                                                    aid in supporting HUD’s oversight                       personally identifiable information,                   which permits the collection of Social
                                                    activities, market and economic                         when systems of records maintain                       Security Numbers.
                                                    assessment, public and stakeholder                      information on U.S. citizens, lawful
                                                    communication, planning and                             permanent residents, and visitors.                     PURPOSE(S) OF THE SYSTEM:
                                                    performance evaluation, policies and                       This new public notice allows HUD to
                                                                                                                                                                      EDM replaces HUD’s current data
                                                    guidelines promulgation, monitoring                     organize and re-publish up-to-date and
                                                                                                            accurate information about this system                 storage, retrieval and warehousing
                                                    and enforcement. The following lists the                                                                       capabilities. EDM will be implemented
                                                    type of information collected from                      of records. The notice correction
                                                                                                            incorporates Federal privacy                           in phases across HUD, and the first
                                                    Source Systems for the initial phase of                                                                        phase is to directly support the new
                                                    EDM:                                                    requirements, and HUD policy
                                                                                                            requirements. The Privacy Act provides                 Loan Review System (LRS). It will
                                                       • Mortgagors: Name, addresses, date                  certain safeguards for an individual                   collect data from certain specified
                                                    of birth, social security number, and                   against an invasion of personal privacy                source systems and return it to LRS.
                                                    racial/ethnic background (if disclosed)                 by requiring Federal agencies to protect               Subsequent phases will collect data
                                                    which are supplied by lenders through                   records contained in an agency system                  from other source systems, and
                                                    Automated Underwriting Systems                          of records from unauthorized                           ultimately will replace all existing data
                                                    during the mortgage application and                     disclosure, ensure that information is                 warehouses across HUD.
                                                    underwriting process.                                   current for its intended use, and that
                                                       • Parties Involved with Transaction:                 adequate safeguards are provided to
                                                                                                                                                                   CATEGORIES OF INDIVIDUALS COVERED BY THE
                                                    Name, addresses, and identifying                                                                               SYSTEM:
                                                                                                            prevent misuse of such information.
                                                    numbers which are supplied by the                       Additionally, the updates reflect the                    The initial phase of EDM will cover
                                                    lender or the individual.                               Department’s focus on industry best                    individuals who have obtained a
                                                       • Mortgage Details: Data regarding                   practices in protecting the personal                   mortgage insured under FHA’s single
                                                    current and former FHA insured                          privacy of the individuals covered by                  family mortgage insurance programs,
                                                    mortgages which includes underwriting                   each system notification.                              individuals who have assumed such a
                                                    data, such as: Loan-to-value ratios and                    In accordance with 5 U.S.C. 552a(r),                mortgage, and individuals involved in
                                                    expense ratios; original terms, such as:                HUD has provided a report of this                      appraising, underwriting, or servicing
                                                    Mortgage amount, interest rate, term in                 system of records to the Office of                     the mortgage (commonly referred to as
                                                    months; status of the mortgage                          Management and Budget (OMB) and to                     ‘‘mortgagee/lender’’).
                                                    insurance; and history of payment                       Congress, the Senate Committee on
                                                    defaults, if any. This information is                   Homeland Security and Governmental                     CATEGORIES OF RECORDS IN THE SYSTEM:
                                                    provided by the lender at the time of                   Affairs, and the House Committee on
                                                                                                                                                                     The initial categories of records
                                                    closing, and also maintained by the loan                Government Reform and Oversight as
                                                                                                                                                                   maintained by the system include:
                                                    servicer.                                               instructed by Paragraph 7b of OMB
                                                                                                            Circular No. A–108, ‘‘Federal Agency                     • Appraiser: First Name, Last Name,
                                                       • HUD Employees: Names and                                                                                  Middle Name, Suffix.
                                                    identification of all HUD employees                     Responsibilities for Review, Reporting,
                                                                                                            and Publication under the Privacy Act,’’                 • Case Borrower(s): Borrower(s) Full
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                                                    who have access to the system records.
                                                    Also, identification information is                     December 23, 2016.                                     Name, Borrower(s) Social Security
                                                    stored for employees who work with                                                                             number, Non-Borrowing Spouse Social
                                                                                                            SYSTEM NAME AND NUMBER:
                                                    mortgage applications through FHA                                                                              Security number.
                                                    Connection.                                             HUD/OCIO—01 Enterprise Data                              • Loan Officer: First Name, Last
                                                                                                            Management (EDM)                                       Name, Middle Name.
                                                       • Aggregated measures of the data
                                                    stated above to enable statistical                      SECURITY CLASSIFICATION:                                 • Case Property: Basement Code,
                                                    reporting and analysis of trends.                         Unclassified, but sensitive.                         Neighborhood Percentage Owned,



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                                                    26704                          Federal Register / Vol. 82, No. 109 / Thursday, June 8, 2017 / Notices

                                                    Neighborhood Predominate, Price,                        disclosed outside HUD as a routine use                 pursuant to records management
                                                    Subdivision Indicator, Property                         pursuant to 5 U.S.C. 552a(b)(3) as                     inspections being conducted under the
                                                    Acquisition Date, Property Street,                      follows:                                               authority of 44 U.S.C. 2904 and 2906.
                                                    Property Conversion Type, Rural                            1. To appropriate agencies, entities,                 6. To a congressional office from the
                                                    Neighborhood Code, Neighborhood                         and persons to the extent such                         record of an individual in response to
                                                    Single Family Home Percentage,                          disclosures are compatible with the                    an inquiry from that congressional office
                                                    Subdivision Lot Indicator, Building                     purpose for which the records in this                  made at the request of the individual to
                                                    Type, Date of Sale or Transfer, Sale                    system were collected, as set forth by                 whom the record pertains.
                                                    Amount, Year Built, City, Zip, Geocode                  Appendix I—HUD’s Routine Use                             7. To appropriate agencies, entities,
                                                    Flag, Underserved Indicator, Block, Lot,                Inventory Notice published in 80 FR                    and persons when:
                                                    House Number, Street Number.                            81837.                                                   (a) HUD suspects or has confirmed
                                                      • FHA Case Information: Federal                          2. To appropriate agencies, entities,               that the security or confidentiality of
                                                    Housing Administration (FHA) Case                       and persons when:                                      information in the system of records has
                                                    Number, Case Established Date, Case                        (a) HUD suspects or has confirmed                   been compromised;
                                                    Reinstatement Date, Case Type,                          that the security or confidentiality of                  (b) HUD has determined that as a
                                                    Originating Mortgagee ID, Sponsor                       information in a system of records has                 result of the suspected or confirmed
                                                    Mortgagee ID, Loan Officer Nationwide                   been compromised;                                      compromise, there is a risk of identity
                                                    Multistate Licensing System (NMLS) ID,                     (b) HUD has determined that because                 theft or fraud, harm to economic or
                                                    Underwriter Name, Underwriter ID.                       of the suspected, or confirmed                         property interests, harm to an
                                                      • Mortgagee (Lender) Branch: Branch                   compromise there is a risk of harm to                  individual, or harm to the security or
                                                    Type, Branch ID, Mortgagee Institution                  economic or property interests, identity               integrity of this system or other systems
                                                    ID, Mortgagee Institution Name,                         theft or fraud, or harm to the security or             or programs (whether maintained by
                                                    Mortgagee Institution Type, Mortgagee                   integrity of systems or programs                       HUD or another agency or entity) that
                                                    Nationwide Multistate Licensing System                  (whether maintained by HUD or another                  rely upon the compromised
                                                    (NMLS) ID, Mortgagee Status.                            agency or entity) that rely upon the                   information; and
                                                      • HUD Employees: Names and                            compromised information; and                             (c) The disclosure made to such
                                                                                                               (c) The disclosure made to such                     agencies, entities, and persons is
                                                    identification of all HUD employees
                                                                                                            agencies, entities, and persons is                     reasonably necessary to assist in
                                                    who have access to the system records.
                                                                                                            reasonably necessary to assist in                      connection with HUD’s efforts to
                                                    Also, identification information is
                                                                                                            connection with HUD’s efforts to                       respond to the suspected or confirmed
                                                    stored for employees who work with
                                                                                                            respond to the suspected or confirmed                  compromise and prevent, minimize, or
                                                    mortgage applications through FHA
                                                                                                            compromise and prevent, minimize, or                   remedy such harm.
                                                    Connection.
                                                                                                            remedy such harm for purposes of                         8. To contractors and their agents,
                                                      • Servicing Status: Servicing Status,
                                                                                                            facilitating responses and remediation                 grantees, experts, consultants, and
                                                    Claims, and Indemnification Agreement.
                                                                                                            efforts in the event of a data breach.                 others performing or working on a
                                                    RECORD SOURCE CATEGORIES:                                  3. To appropriate agencies, entities,               contract, service, grant, cooperative
                                                      Mortgagors, appraisers, mortgagee                     and persons when (1) HUD suspects or                   agreement, or other assignment for
                                                    staff, underwriters, and HUD employees                  has confirmed that there has been a                    HUD, when necessary to accomplish an
                                                    provide data to the originating source                  breach of the system of records, (2) HUD               agency, function related to this system
                                                    systems. The following originating                      has determined that as a result of the                 of records. Individuals provided
                                                    source systems then pass their data to                  suspected or confirmed breach there is                 information under this routine use are
                                                    the Enterprise Data Warehouse used in                   a risk of harm to individuals, HUD                     subject to the same Privacy Act
                                                    EDM:                                                    (including its information systems,                    requirements and limitations on
                                                      • A43—Single Family Insurance                         programs, and operations), the Federal                 disclosure as are applicable to HUD
                                                    System (SFIS)                                           Government, or national security; and                  officers and employees.
                                                      • A43C—Single Family Claims                           (3) the disclosure made to such
                                                                                                            agencies, entities, and persons is                     POLICIES AND PRACTICES FOR STORAGE OF
                                                    Subsystem (SFCS)                                                                                               RECORDS:
                                                      • F17—Computerized Homes                              reasonably necessary to assist in
                                                                                                            connection with HUD’s efforts to                         EDM will be stored in compliance
                                                    Underwriting Management System                                                                                 with 36 CFR 1236.10 regulations on
                                                    (CHUMS)                                                 respond to the suspected or confirmed
                                                                                                            breach or to prevent, minimize, or                     recordkeeping management controls in a
                                                      • F17C—FHA Connection (FHAC)                                                                                 Federal Risk and Authorization
                                                      • F17T—TOTAL Mortgage Scorecard                       remedy such harm.
                                                                                                               4. To another Federal agency or                     Management Program (FedRAMP)
                                                    (TOTAL)                                                                                                        compliant network. There are no paper
                                                      • F42D—Single Family Default                          Federal entity, when HUD determines
                                                                                                            that information from this system of                   records associated with EDM.
                                                    Monitoring System (SFDMS)
                                                      • P271—Home Equity Reverse                            records is reasonably necessary to assist              POLICIES AND PRACTICES FOR RETRIEVAL OF
                                                    Mortgage Information System (HERMIT)                    the recipient agency or entity in (1)                  RECORDS:
                                                      • P278—Lender Electronic                              responding to a suspected or confirmed                   In this initial phase of EDM,
                                                    Assessment Portal (LEAP)                                breach or (2) preventing, minimizing, or               information is retrieved from EDM by
                                                      • P303—Loan Review System (LRS)                       remedying the risk of harm to                          FHA Case Number as the key identifier.
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                                                                                                            individuals, the recipient agency or                   User access to query information in the
                                                    ROUTINE USES OF RECORDS MAINTAINED IN THE               entity (including its information                      EDM does not exist. EDM supports only
                                                    SYSTEM, INCLUDING CATEGORIES OF USERS AND               systems, programs, and operations), the
                                                    PURPOSES OF SUCH USES:
                                                                                                                                                                   system-to-system interfaces.
                                                                                                            Federal Government, or national
                                                      In addition to those disclosures                      security, resulting from a suspected or                POLICIES AND PRACTICES FOR RETENTION AND
                                                    generally permitted under 5 U.S.C.                      confirmed breach.                                      DISPOSAL OF RECORDS:
                                                    Section 552a(b) of the Privacy Act, all or                 5. To the National Archives and                       Electronic information maintained in
                                                    a portion of the records or information                 Records Administration (NARA) or                       EDM is retrieved from originating
                                                    contained in this system may be                         General Services Administration                        recordkeeping systems and is retained


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                                                                                   Federal Register / Vol. 82, No. 109 / Thursday, June 8, 2017 / Notices                                           26705

                                                    indefinitely for future access. This                       (b) Identify which Office of HUD you                system, Department of Housing and
                                                    information does not meet the federal                   believe has the records about you.                     Urban Development system of records
                                                    definition of a record as it is not                        (c) Specify when you believe the                    titled, ‘‘Loan Review System (LRS)’’.
                                                    evidence of the organization, functions,                records would have been created.                       DATES: Effective Date: This system will
                                                    policies, decisions, procedures,                           (d) Provide any other information that              become effective July 10, 2017.
                                                    operations, or other activities. This                   will help the FOIA staff determine                        Comments Due Date: July 10, 2017.
                                                    information is duplicated copies of                     which HUD office may have responsive
                                                                                                                                                                   ADDRESSES: You may submit comments,
                                                    record content preserved for                            records.
                                                                                                                                                                   identified by docket number and title,
                                                    convenience to facilitate new record                       If your request is seeking records
                                                                                                                                                                   by one following method:
                                                    creation 44 U.S.C. 3301. As subsequent                  pertaining to another living individual,
                                                                                                                                                                      Federal e-Rulemaking Portal: http://
                                                    phases of EDM are completed, the                        you must include a statement from that
                                                                                                                                                                   www.regulations.gov. Follow the
                                                    applicable data retention policies for                  individual certifying their agreement for
                                                                                                                                                                   instructions provided on that site to
                                                    those records will be evaluated and                     you to access their records. Without the
                                                                                                                                                                   submit comments electronically.
                                                    maintained for associated systems.                      above information, the HUD FOIA
                                                                                                                                                                      Fax: 202–619–8365.
                                                                                                            Office may not be able to conduct an
                                                    ADMINISTRATIVE, TECHNICAL, AND PHYSICAL                                                                           Email: privacy@hud.gov.
                                                                                                            effective search, and your request may
                                                    SAFEGUARDS:                                                                                                       Mail: Attention: Housing and Urban
                                                                                                            be denied due to lack of specificity or
                                                      HUD has developed a system security                                                                          Development, Privacy Office; Marcus
                                                                                                            lack of compliance with applicable
                                                    plan of controls for ensuring and                                                                              Smallwood, The Executive Secretariat;
                                                                                                            regulations.
                                                    protecting Microsoft Azure Government                                                                          451 Seventh Street SW., Room 10139;
                                                    Cloud in accordance with applicable                     CONTESTING RECORD PROCEDURES:                          Washington, DC 20410.
                                                    laws. End users cannot directly access                    The Department’s rules for contesting                   Instructions: All submissions received
                                                    the Enterprise Master Data Warehouse                    contents of records and appealing initial              must include the agency name and
                                                    used in EDM. Data exchange with other                   denials appear in 24 CFR part 16,                      docket number for this Federal Register
                                                    HUD systems is precisely specified and                  Procedures for Inquiries. Additional                   document. The general policy for
                                                    occurs only through secure interfaces.                  assistance may be obtained by                          comments and other submission from
                                                    Encryption of data both at rest and in                  contacting Helen Goff Foster, Senior                   members of the public is provide three
                                                    motion is enabled on a selective basis.                 Agency Official for Privacy/Chief                      submissions for public viewing on the
                                                    EDM is subject to compliance with all                   Privacy Officer, 451 Seventh Street SW.,               internet at http://www.regulations.gov,
                                                    Federal requirements and adheres to its                 Room 10139, Washington, DC 20410, or                   as they are received without change,
                                                    approved system security plan (SSP).                    the HUD Departmental Privacy Appeals                   including any personal identifiers or
                                                                                                            Officers, Office of General Counsel,                   contact information.
                                                    RECORD ACCESS PROCEDURES:
                                                                                                            Department of Housing and Urban                        FOR FURTHER INFORMATION CONTACT: For
                                                       HUD allows persons (including                        Development, 451 Seventh Street SW.,                   general questions please contact:
                                                    foreign nationals) to seek administrative               Washington, DC 20410.                                  Marcus Smallwood, Acting, Chief
                                                    access under the Privacy Act to                                                                                Privacy Officer, Department of Housing
                                                    information maintained in EDM.                          NOTIFICATION PROCEDURES:
                                                                                                                                                                   and Urban Development, 451 Seventh
                                                    Individuals seeking notification of and                   See ‘‘Records Access Procedures’’                    Street SW., Washington, DC 20410;
                                                    access to any record contained in this                  above.                                                 telephone number 202–708–1515 for
                                                    system of records, or seeking to contest                                                                       privacy issues please contact:
                                                    its content, may submit a request in                    EXEMPTIONS PROMULGATED FOR THE SYSTEM:
                                                                                                                                                                   SUPPLEMENTARY INFORMATION: The LRS
                                                    writing to the HUD Chief Freedom of                       None.
                                                                                                                                                                   will provide a unified loan review
                                                    Information Act (FOIA) Officer or OCIO
                                                                                                            HISTORY:                                               process to improve HUD’s ability to
                                                    FOIA Officer. If an individual believes
                                                                                                              Not Applicable.                                      identify and mitigate loan-level risk and
                                                    more than one component maintains
                                                                                                                                                                   fraud in its Federal Housing
                                                    Privacy Act records that concern him or                   Dated: May 4, 2017.
                                                                                                                                                                   Administration (FHA) Title II Single
                                                    her, the individual may submit the                      Helen Goff Foster,
                                                                                                                                                                   Family Housing program. The LRS will
                                                    request to Helen Goff Foster, Chief                     Senior Agency Official for Privacy.                    implement the newly developed Loan
                                                    Privacy Officer/Senior Agency Official                  [FR Doc. 2017–11937 Filed 6–7–17; 8:45 am]             Quality Assessment Methodology
                                                    for Privacy, 451 Seventh Street SW.,                    BILLING CODE 4210–67–P                                 (Defect Taxonomy) and will provide a
                                                    Room 10139, Washington, DC 20410,
                                                                                                                                                                   standard approach for all loan reviews
                                                    telephone number (202) 402–6838.
                                                       When seeking records about yourself                                                                         in order to:
                                                                                                            DEPARTMENT OF HOUSING AND
                                                    from this system of records or any other                                                                          • Communicate clear policy messages
                                                                                                            URBAN DEVELOPMENT
                                                    HUD system of records, your request                                                                            to involved counterparties;
                                                    must conform with the Privacy Act                       [Docket No. 6009–N–01]                                    • Encourage lending to FHA targeted
                                                    regulations set forth in 24 CFR part 16.                                                                       populations;
                                                                                                            Privacy Act of 1974; System of                            • Provide feedback on the
                                                    You must first verify your identity,
                                                                                                            Records: Loan Review System (LRS)                      effectiveness of FHA’s underwriting
                                                    meaning that you must provide your full
                                                    name, current address, and date and                     AGENCY:  Office of Administration, HUD.                policies; and
                                                                                                                                                                      • Provide a communication channel
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                                                    place of birth. You must sign your                      ACTION:Notice of a New System of
                                                    request, and your signature must either                                                                        for lenders to view and respond to
                                                                                                            Records.
                                                    be notarized or submitted under 28                                                                             review findings.
                                                    U.S.C. 1746, a law that permits                         SUMMARY:   In accordance with the                         The LRS will include policy
                                                    statements to be made under penalty of                  Privacy Act of 1974, the Department of                 automation, electronic case
                                                    perjury as a substitute for notarization.               Housing and Urban Development                          management, automated workflows,
                                                    In addition, your request should:                       (HUD), Office of Lender Activities and                 event-driven communications,
                                                       (a) Explain why you believe HUD                      Program Compliance provides public                     enhanced reporting and advanced
                                                    would have information on you.                          notice it proposes to establish a new                  business intelligence/analytics. The LRS


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Document Created: 2018-11-14 10:06:44
Document Modified: 2018-11-14 10:06:44
CategoryRegulatory Information
CollectionFederal Register
sudoc ClassAE 2.7:
GS 4.107:
AE 2.106:
PublisherOffice of the Federal Register, National Archives and Records Administration
SectionNotices
ActionNotice of a new system of records.
DatesIn accordance with 5 U.S.C. 552a(e)(4) and (11), the public is given a 30-day period in which to comment. Therefore, submit comments on or before July 10, 2017.
ContactMarcus Smallwood, Chief Privacy Officer, 451 Seventh Street SW., Room 10139, Washington, DC 20410, telephone number 202-708-3054. Individuals who are hearing- and speech- impaired may access this number via TTY by calling the Federal Relay Service at 800-877-8339 (this is a toll-free number).
FR Citation82 FR 26702 

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