83 FR 32640 - Privacy Act of 1974; System of Records

BUREAU OF CONSUMER FINANCIAL PROTECTION

Federal Register Volume 83, Issue 135 (July 13, 2018)

In accordance with the Privacy Act of 1974, as amended, the Bureau of Consumer Financial Protection (Bureau), gives notice of the establishment of a modified Privacy Act System of Records.

[Federal Register Volume 83, Number 135 (Friday, July 13, 2018)]
[Notices]
[Pages 32640-32641]
From the Federal Register Online  [www.thefederalregister.org]
[FR Doc No: 2018-14990]


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BUREAU OF CONSUMER FINANCIAL PROTECTION

[Docket No: CFPB-2018-0016]


Privacy Act of 1974; System of Records

AGENCY: Bureau of Consumer Financial Protection.

ACTION: Notice of a Modified System of Records.

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SUMMARY: In accordance with the Privacy Act of 1974, as amended, the 
Bureau of Consumer Financial Protection (Bureau), gives notice of the 
establishment of a modified Privacy Act System of Records.

DATES: Comments must be received no later than August 13, 2018. The 
Modification will be effective on August 13, 2018 unless the comments 
received result in a contrary determination.

ADDRESSES: You may submit comments, identified by the title and docket 
number (see above), by any of the following methods:
     Electronic: [email protected] or http://www.regulations.gov. Follow the instructions for submitting comments.
     Mail: Claire Stapleton, Chief Privacy Officer, Bureau of 
Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552.
     Hand Delivery/Courier: Claire Stapleton, Chief Privacy 
Officer, Bureau of Consumer Financial Protection, 1700 G Street NW, 
Washington, DC 20552.
    Instructions: The Bureau encourages the early submission of 
comments. Because paper mail in the Washington, DC area and at the 
Bureau is subject to delay, commenters are encouraged to submit 
comments electronically. In general, all comments received will be 
posted without change to http://www.regulations.gov. In addition, 
comments will be available for public inspection and copying at 1700 G 
Street NW, Washington, DC 20552, on official business days between the 
hours of 10 a.m. and 5 p.m. eastern time. You can make an appointment 
to inspect the documents by telephoning 202-435-7220.
    All comments, including attachments and other supporting materials, 
will become part of the public record and subject to public disclosure. 
Proprietary information or sensitive personal information, such as 
account numbers or Social Security numbers, or names of other 
individuals, should not be included. Submissions will not be edited to 
remove any identifying or contact information.

FOR FURTHER INFORMATION CONTACT: Claire Stapleton, Chief Privacy 
Officer, at (202) 435-7220. If you require this document in an 
alternative electronic format, please contact 
[email protected].

SUPPLEMENTARY INFORMATION: The Bureau revises its Privacy Act System of 
Records Notice (``SORN'') CFPB.005--Consumer Response System. In 
revising this SORN, the Bureau modifies the authorized purposes for 
this system, the categories of individuals covered by this system, and 
categories of records in this system, to reflect Bureau activities 
using personally identifiable information in this system of records 
relating to quality control and consumer education and engagement 
efforts. The Bureau also modifies the policies and practices for the 
retrieval of records in this system to reflect that records may be 
retrieved by an individual's email address in addition to the methods 
for retrieval previously listed.
    The report of the modified systems of records has been submitted to 
the Committee on Oversight and Government Reform of the House of 
Representatives, the Committee on Homeland Security and Governmental 
Affairs of the Senate, and the Office of Management and Budget, 
pursuant to OMB Circular A-108, ``Federal Agency Responsibilities for 
Review, Reporting, and Publication under the Privacy Act'' and the 
Privacy Act, 5 U.S.C. 552a(r).
SYSTEM NAME AND NUMBER:
    CFPB.005--CFPB Consumer Response System.

SECURITY CLASSIFICATION:
    This information system does not contain any classified information 
or data.

SYSTEM LOCATION:
    Bureau of Consumer Financial Protection, 1700 G Street NW, 
Washington, DC 20552.

SYSTEM MANAGER(S):
    Office of Consumer Response, Product Section Chief, Bureau of 
Consumer Financial Protection, Division of

[[Page 32641]]

Consumer Education and Engagement, Office of Consumer Response, 1700 G 
Street NW, Washington DC 20552, (855) 411-2372.

PURPOSE(S) OF THE SYSTEM:
    The information in the system is being collected to enable the 
Bureau to receive, respond to, and refer complaints or inquiries 
regarding consumer financial products or services. The system serves as 
a record of the complaint or inquiry, and is used for collecting 
complaint or inquiry data; responding to or referring the complaint or 
inquiry; aggregating data that will be used to inform other functions 
of the Bureau and, as appropriate, other agencies and/or the public; 
providing related educational and informational content; and preparing 
reports as required by law. The information will also be used for 
administrative purposes to ensure quality control, performance, and 
improving management processes. This system consists of complaints or 
inquiries received by the Bureau or other entities and information 
concerning responses to or referrals of these complaints or inquiries, 
as appropriate.

CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
    Individuals covered by this system are individuals who submit 
complaints or inquiries to the Bureau (on their own or others' behalf), 
individuals on whose behalf complaints or inquiries are submitted by 
others (such as attorneys, members of Congress, third party advocates, 
and/or other governmental organizations); individuals who are the 
subjects of complaints by virtue of their engagement in business as a 
sole proprietor, and individuals from other Federal, State agencies, or 
the Bureau with whom the Bureau shares data. This includes complaints 
or inquiries received by prudential regulators, Federal Trade 
Commission, other Federal agencies, State agencies, or the Bureau. The 
term ``prudential regulators'' refers to any Federal banking agency, as 
that term is defined in section 3 of the Federal Deposit Insurance Act, 
and the National Credit Union Administration. Information collected 
regarding consumer products and services is subject to the Privacy Act 
only to the extent that it concerns individuals; information pertaining 
to corporations and other business entities and organizations is not 
subject to the Privacy Act. Other individuals covered by this system 
include employees, contractors, or others at the Bureau who work in or 
with the Office of Consumer Response.

CATEGORIES OF RECORDS IN THE SYSTEM:
    Records in the system may contain: (1) Correspondence or other 
information received; (2) information from the entity or individual 
referring the inquiry or complaint; (3) records created of verbal 
communications by or with complainants or other individuals; (4) 
information regarding third party advocates or others who submit 
complaints or inquiries on another's behalf; (5) information 
identifying the entity that is the subject of the complaint or inquiry 
or its employees; (6) communication with or by the entity that is the 
subject of the complaint or inquiry or its employees; (7) unique 
identifiers, codes, and descriptors categorizing each complaint or 
inquiry file; (8) information about how complaints or inquiries were 
responded to or referred, including any resolution; (9) records used to 
respond to or refer complaints or inquiries, including information in 
the Bureau's other systems of records; (10) identifiable information 
regarding both the individual who is making the inquiry or complaint, 
and the individual on whose behalf such inquiry or complaint is made, 
and employees of the entity about which the complaint or inquiry was 
made, including name, Social Security number, account numbers, address, 
phone number, email address, date of birth; and (11) identifiable 
information regarding an employee, contractor, or others at the Bureau 
who access the system, including their name and any login information 
used to access the consumer response system.

POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS:
    Records are retrievable by a variety of fields including without 
limitation the individual's name, Social Security number, complaint/
inquiry case number, address, account number, transaction number, phone 
number, email address, date of birth, or by some combination thereof.

HISTORY:
    79 FR 21440 (Apr. 16, 2014) (CFPB.005 CFPB Consumer Response 
System).

    Dated: July 5, 2018.
Claire Stapleton,
Chief Privacy Officer, Bureau of Consumer Financial Protection.
[FR Doc. 2018-14990 Filed 7-12-18; 8:45 am]
 BILLING CODE 4810-AM-P