[Federal Register Volume 64, Number 141 (Friday, July 23, 1999)] [Notices] [Pages 40032-40034] From the Federal Register Online via the Government Publishing Office [www.gpo.gov] [FR Doc No: 99-18882] ----------------------------------------------------------------------- DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. 4456-N-04] Privacy Act; Proposed New Systems of Records AGENCY: Office of the Chief Information Officer, HUD. ACTION: Establish three new privacy Act systems of records. ----------------------------------------------------------------------- SUMMARY: The Department of Housing and Urban Development (HUD) proposes to establish three new record systems to add to its inventory of systems of records subject to the Privacy Act of 1974 (5 U.S.C. 552a), as amended. The proposed new systems of records are: HUD/FHA Lender approval Files, HUD/HS-50, Single Family Insurance System (A33) and Home Equity Conversion Mortgage System (F12), HUD/HS-10 and Single Family Data Warehouse System (D64A), HUD/HS-15. HUD/FHA Lender Approval Files contains information pertaining to individuals who are principals or officers of financial institutions seeking approval or approved to originate, service or hold FHA single family or multifamily insured mortgages, or Title I insured loans. The Single Family Insurance System and Home Equity Conversion Mortgage System contains information on individuals who have obtained a mortgage insured under HUD/FHA's single family mortgage insurance programs and individuals who assumed an insured mortgage. The Single Family Data Warehouse System contains information on individuals who have obtained a mortgage insured under HUD/FHA's Title I and Title II single family mortgage insurance programs, individuals who assumed such a mortgage, and individuals involved in appraising or underwriting the mortgage. DATES: Effective Date: This action shall be effective without further notice in 30 calendar days unless comments are received during or before this period that would result in a contrary determination. Comments due by: August 23, 1999. ADDRESSES: Interested persons are invited to submit comments regarding these new systems of records to the Rules Docket Clerk, Office of General Counsel, room 10276, Department of Housing and Urban Development, 451 Seventh Street, SW, Washington, DC 20410-0500. Communication should refer to the above docket number and title. An original and four copies of comments should be submitted. Facsimile (FAX) comments are not acceptable. A copy of each communication submitted will be available for public inspection and copying between 7:30 a.m. and 5:30 p.m. weekdays at the above address. FOR FURTHER INFORMATION CONTACT: Jeanette Smith, Departmental Privacy Act Officer, Telephone Number (202) 708-2374. SUPPLEMENTARY INFORMATION: Pursuant to the Privacy Act of 1974 (5 U.S.C. 552a), as amended notice is given that HUD proposes to establish three new systems of records as identified as Single Family Insurance (A43) and Home Equity Conversion Mortgage System (F12), HUD/HS-10, Single Family Data Warehouse System (D64A), HUD/HS-15, and HUD/FHA Lender Approval Files, HUD/HS-50. Title 5 U.S.C. 552a(e)(4) and (11) provide that the public be afforded a 30-day period in which to comment on the new systems of records. The new system report was submitted to the Office of Management and Budget (OMB), the Senate Committee on Governmental Affairs, and the House Committee on Government Operations pursuant to paragraph 4c of Appendix 1 to OMB Circular No. A-130, ``Federal Responsibilities for Maintaining Records About Individuals,'' July 25, 1994; 59 FR 37914. Authority: 5 U.S.C. 552a 88 Stat. 1896; 342 U.S.C. 3535(d). Dated: July 20, 1999. Gloria R. Parker, Chief Information Officer. HUD/HS-50 SYSTEM NAME: HUD/FHA Lender Approval Files. SYSTEM LOCATION: Headquarters and Single Family Homeownership Centers in Atlanta, Denver, Philadelphia, and Santa Ana. CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM: Individuals who are principals or officers of financial institutions seeking approval or approved to originate, service or hold FHA single family or multifamily insured mortgages, or Title I insured loans. CATEGORIES OF RECORDS IN THE SYSTEM: Manual files contain name, address, social security number, and may contain resumes and credit bureau reports. Automated files contain name and social security number. AUTHORITY FOR MAINTENANCE OF THE SYSTEM: Title I and Title II of the National Housing Act; 12 U.S.C. 1703, 1709 and 1751b; 42 U.S.C. 1436a and 3535(d). [[Page 40033]] PURPOSE: The information in this system of records enables HUD/FHA to comply with any orders of the Mortgagee Review Board which disqualify individuals as principals or officers of FHA-approved lenders. It also permits correspondence to be addressed to individuals rather than job titles. ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES OF USERS AND THE PURPOSES OF SUCH USES: In addition to those disclosures generally permitted under 5 U.S.C. 552a(b) of the Privacy Act other routine uses include: (a) To the FBI to investigate possible fraud revealed in underwriting, insuring or monitoring. (b) To Department of Justice for prosecution of fraud revealed in underwriting, insuring or monitoring. (c) To General Accounting Office (GAO) for audit purposes. POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING, AND DISPOSING OF RECORDS IN THE SYSTEM: STORAGE: Manual records are stored in file folders. Automated records are stored on magnetic tape/disc/drum. RETRIEVABILITY: Records are retrieved by name, social security number or other identification number. SAFEGUARDS: Manual records are maintained in lockable file cabinets in secure office space. Automated records are maintained in secured areas. Access is limited to authorized personnel. RETENTION AND DISPOSAL: Manual records are maintained for 10 years beyond the lender's approval termination. Automated records are maintained for 10 years beyond the individual's replacement. SYSTEM MANAGER(S) AND ADDRESS: Director, Lender Approval and Recertification Division, HULL, Department of Housing and Urban Development, 451 Seventh Street, SW, Washington, DC 20410. Notification procedure: For information, assistance, or inquiry about existence of records, contact the Privacy Act Officer at the appropriate location in accordance with 24 CFR part 16. A list of all locations is given in appendix A. Record access procedures: The Department's rules for providing access to records to the individual concerned appear in 24 CFR part 16. If additional information or assistance is required, contact the Privacy Act Officer at the appropriate location. A list of all locations is given in appendix A. Contesting record procedures: The Department's rules for contesting the contents of records and appealing initial denials, by the individual concerned, appear in 24 CFR part 16. If additional information or assistance is needed, it may be obtained by contacting: (i) In relation to contesting contents of records, the Privacy Act Officer at the appropriate location. A list of all locations is given in appendix A; (ii) in relation to appeals of initial denials, the HUD Departmental Privacy Appeals Officer, Office of General Counsel, Department of Housing and Urban Development, 451 Seventh Street, SW, Washington, DC 20410. Record source categories: Mortgagee officer or principal. HUD/HS-10 SYSTEM NAME: Single Family Insurance System and Home Equity Conversion Mortgage System. SYSTEM LOCATION: Headquarters and Single Family Homeownership Centers in Atlanta, Denver, Philadelphia, and Santa Ana. CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM: Individuals who have obtained a mortgage insured under HUD/FHA's single family mortgage insurance programs and individuals who assumed an insured mortgage. CATEGORIES OF RECORDS IN THE SYSTEM: Automated files contain name, address, and social security number on mortgagors; and data regarding the insured loan such as original terms and status of the mortgage insurance. AUTHORITY FOR MAINTENANCE OF THE SYSTEM: Sec. 203, National Housing Act, Pub. L. 73-479. PURPOSE: The information in this system of records enables HUD/FHA to operate the single family mortgage insurance programs (e.g., refund unearned premiums to homeowners who prepay their mortgage) and respond to inquiries regarding insured mortgages. ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES OF USERS AND THE PURPOSES OF SUCH USES: In addition to those disclosures generally permitted under 5 U.S.C. 552a(b) of the Privacy Act other routine uses include: To General Accounting Office (GAO) for audit purposes. POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING, AND DISPOSING OF RECORDS IN THE SYSTEM: STORAGE: Records are stored on magnetic tape/disc/drum. RETRIEVABILITY: Records are retrieved by name, social security number or other identification number. SAFEGUARDS: Automated records are maintained in secured areas. Access is limited to authorized personnel. RETENTION AND DISPOSAL: Computerized records of insured cases are retained for at least 3 years beyond maturity, prepayment, or claim termination. SYSTEM MANAGER(S) AND ADDRESS: Director, Single Family Insurance Operations Division, HFFF, Department of Housing and Urban Development, 451 Seventh Street, SW, Washington, DC 20410. NOTIFICATION PROCEDURE: For information, assistance, or inquiry about existence of records, contact the Privacy Act Officer at the appropriate location in accordance with 24 CFR part 16. A list of all locations is given in appendix A. Record access procedures: The Department's rules for providing access to records to the individual concerned appear in 24 CFR part 16. If additional information or assistance is required, contact the Privacy Act Officer at the appropriate location. A list of all locations is given in appendix A. Contesting record procedures: The Department's rules for contesting the contents of records and appealing initial denials, by the individual concerned, appear in 24 CFR part 16. If additional information or assistance is needed, it may be obtained by contacting: (i) In relation to contesting contents of records, the Privacy Act Officer at the appropriate location. A list of all locations is given in appendix A; (ii) in relation to appeals of initial denials, the HUD Departmental Privacy Appeals Officer, Office of General Counsel, Department of Housing and Urban Development, 451 Seventh Street, SW, Washington, DC 20410. Record source categories: Mortgagors, mortgagees. [[Page 40034]] HUD/HS-15 System name: Single Family Data Warehouse System (D64A). System location: Headquarters and Single Family Homeownership Centers in Atlanta, Denver, Philadelphia, and Santa Ana. Categories of individuals covered by the system: Individuals who have obtained a mortgage insured under HUD/FHA's single family mortgage insurance programs, individuals who assumed such a mortgage, and individuals involved in appraising or underwriting the mortgage. Categories of records in the system: Automated files contain name, address, and social security number; racial/ethnic background, if disclosed, on mortgagors; identifying numbers on individuals involved in processing the loan; and data regarding currently and formerly insured mortgages. The loan data includes underwriting data, such as loan-to-value ratios and credit ratios; original terms, such as mortgage amount, interest rate, term in months; status of the mortgage insurance; and history of payment defaults, if any. Authority for maintenance of the system: Sec. 203, National Housing Act, Pub. L. 73-479. Purpose: This information aids HUD/FHA's monitoring of the single family mortgage insurance programs; it brings together data regarding the mortgage, its performance and parties involved, which facilitates research and analysis. ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES OF USERS AND THE PURPOSES OF SUCH USES: In addition to those disclosures generally permitted under 5 U.S.C. 552a(b) of the Privacy Act other routine uses include: (a) To the FBI to investigate possible fraud revealed in underwriting, insuring or monitoring. (b) To Department of Justice for prosecution of fraud revealed in underwriting, insuring or monitoring. (c) To General Accounting Office (GAO) for audit purposes. POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING, AND DISPOSING OF RECORDS IN THE SYSTEM: STORAGE: Records are stored on magnetic tape/disc/drum. RETRIEVABILITY: Records are retrieved by name, social security number or other identification number, case number, property address, or any other type of stored data. SAFEGUARDS: Automated records are maintained in secured areas. Access is limited to authorized personnel. RETENTION AND DISPOSAL: Computerized records of insured cases are retained for at least 10 years beyond maturity, prepayment, or claim termination. SYSTEM MANAGER(S) AND ADDRESS: Director, Field Management, Office of the Deputy Assistant Secretary for Single Family Housing, HU, Department of Housing and Urban Development, 451 Seventh Street, SW, Washington, DC 20410. NOTIFICATION PROCEDURE: For information, assistance, or inquiry about existence of records, contact the Privacy Act Officer at the appropriate location in accordance with 24 CFR part 16. A list of all locations is given in appendix A. RECORD ACCESS PROCEDURES: The Department's rules for providing access to records to the individual concerned appear in 24 CFR part 16. If additional information or assistance is required, contact the Privacy Act Officer at the appropriate location. A list of all locations is given in appendix A. CONTESTING RECORD PROCEDURES: The Department's rules for contesting the contents of records and appealing initial denials, by the individual concerned, appear in 24 CFR part 16. If additional information or assistance is needed, it may be obtained by contacting: (i) In relation to contesting contents of records, the Privacy Act Officer at the appropriate location. A list of all locations is given in appendix A; (ii) in relation to appeals of initial denials, the HUD Departmental Privacy Appeals Officer, Office of General Counsel, Department of Housing and Urban Development, 451 Seventh Street, SW, Washington, DC 20410. RECORD SOURCE CATEGORIES: Mortgagors, appraisers, mortgagee staff underwriters, and HUD employees--indirectly, immediate source is the operational system that captures the data (CHUMS, SFIS, SF Claims, SF Default Monitoring System). [FR Doc. 99-18882 Filed 7-22-99; 8:45 am] BILLING CODE 4210-01-M