[Federal Register Volume 71, Number 122 (Monday, June 26, 2006)]
[Notices]
[Pages 36351-36354]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: E6-10079]


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DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

[Docket No. FR-4922-N-17]


Privacy Act of 1974; Proposed System of Records

AGENCY: Office of the Chief Information Officer, HUD.

ACTION: Establish two new Privacy Act Systems of Records.

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SUMMARY: The Department of Housing and Urban Development (HUD) proposes 
to establish two 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: Debt Collection and 
Asset Management System (DCAMS) and Title I Insurance System (TIIS). 
The primary purpose of DCAMS is to collect and maintain data needed to 
support activities related to the collection and servicing of various 
HUD/FHA debts. It contains information on individuals who have debts 
resulting from default on HUD/FHA insured Title I loans and from other 
HUD/FHA loan programs. The Title I Insurance System is used to collect 
and maintain the data necessary to support activities related to the 
servicing of loans insured under the Title I program. It contains 
information on individuals who have made loans insured under HUD's 
Title I program.

DATES: Effective Date: This action shall be effective July 26, 2006 
unless comments are received which will result in a contrary 
determination.
    Comments Due Date: July 26, 2006.

ADDRESSES: Interested persons are invited to submit comments regarding

[[Page 36352]]

this notice to the Rules Docket Clerk, Office of General Counsel, Room 
10276, Department of Housing and Urban Development, 451 Seventh Street, 
SW., Washington, DC 20410. Communications should refer to the above 
docket number and title. A copy of each communication submitted will be 
available for public inspection and copying between 8 a.m. and 5 p.m. 
weekdays at the above address.

FOR FURTHER INFORMATION CONTACT: Jeanette Smith, Departmental Privacy 
Act Officer, 451 Seventh St., SW., Room P8001, Washington, DC 20410, 
Telephone Number (202) 708-2374. (This is not a toll-free number.) A 
telecommunication device for hearing and speech-impaired individuals 
(TTY) is available at 1-800-877-8339 (Federal Information Relay 
Service).

SUPPLEMENTARY INFORMATION: Pursuant to the Privacy Act of 1974 (5 
U.S.C. 552a), as amended notice is given that HUD proposes to establish 
two new systems of records identified as The Debt Collection and Asset 
Management System (DCAMS) and Title I Insurance System (TIIS).
    Title 5 U.S.C. 552a(e)(4) and (11) provides 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 Reform 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 37924.

    Authority: 5 U.S.C. 552a, 88 Stat. 1896; 342 U.S.C. 3535(d).

    Dated: June 21, 2006.
Bajinder N. Paul,
Deputy Chief Information Officer for IT Operations.
HUD/HS-54

SYSTEM NAME:
     Title I Insurance System (TIIS).

SYSTEM LOCATION:
     Mainframe in HUD Headquarters, 451 7th Street SW., Suite P-7110, 
Washington, DC 20410. Records in HUD's Financial Operations Center, 52 
Corporate Circle, Albany, New York 12203.

CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
    Categories of individuals include persons who have made loans 
insured under HUD's Title I program.

CATEGORIES OF RECORDS IN THE SYSTEM:
    The system contains data fields pertaining to borrowers' names, 
addresses, and Social Security Numbers. The system also contains data 
fields for records relating to payment and other financial account data 
such as loan balance; loan origination information such as date and 
amount of loan; date of default; and account statuses.

AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
    Authority for maintaining TIIS and the records it contains is 
established under the regulations implementing the Title I loan 
program, viz., 24 CFR 201.1 through 200.63. HUD's statutory authority 
for implementing the regulations supporting HUD programs is found at 42 
U.S.C 3532(a) and (b) and at 12 U.S.C. 1701(a) and (c).

PURPOSES:
    The primary purpose of TIIS is to collect and maintain the data 
necessary to support activities related to the servicing of loans 
insured under the Title I program. Servicing activities include 
maintaining records pertaining to lenders' insurance premiums and 
processing claims for loss submitted by participating lenders.

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 
subsection (b) of the Privacy Act of 1974, 5 U.S.C. 522a(b), records 
may also be disclosed routinely to other users under the following 
circumstances:
    1. Records may be disclosed to individuals under contract, 
cooperative agreement, or working agreement with HUD to assist the 
Department in fulfilling its statutory financial and asset management 
responsibilities.
    2. Records may be disclosed during the course of an administrative 
proceeding, where HUD is a party, to an Administrative Law Judge and to 
the interested parties to the extent necessary for conducting the 
proceeding.
    3. Records may be disclosed to the Department of Justice for 
litigation purposes associated with the representation of HUD or other 
Federal agency before the courts.
    4. Records may be disclosed to a confidential source to the extent 
necessary to assist the Office of the Inspector General or the 
Government Accounting Office in an investigation or audit.

POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING, 
AND DISPOSING OF RECORDS IN THE SYSTEM:
STORAGE:
     Records are stored electronically in computer hardware devices and 
in hard copy in file cabinets or other secure storage units.

RETRIEVABILITY:
    Records may be retrieved by computer search via the name of the 
borrower, name of the lender, or loan case number and, for a limited 
number of records, manually by loan case number.

SAFEGUARDS:
    Records are maintained in a secure computer network and in locked 
file cabinets in office space with controlled access.

RETENTION AND DISPOSAL:
    Computer records for all active cases are available online in TIIS. 
Computer records on inactive cases retired from the system are removed 
from the TIIS online files and retained in batch files. Certain records 
are copied onto microfiche. Computer records for inactive cases that 
have been purged from the system are not retained in a batch file. The 
financial histories for these cases have been printed to microfiche. 
Records stored in paper files for inactive cases are retained in a 
Federal Records Center. Records are disposed of and archived in a 
manner that is consistent with the applicable official HUD Records 
Disposition Schedules and guidelines.

SYSTEM MANAGER AND ADDRESS:
    Lester J. West, Director, HUD, Financial Operations Center, 52 
Corporate Circle, Albany, New York 12203.

NOTIFICATION AND RECORD ACCESS PROCEDURES:
    Individuals seeking to determine whether this system of records 
contains information about them, or those seeking access to such 
records, should address inquiries to the Project Manager of OHHLHC-
CIEF, U.S. Department of Housing and Urban Development, 451 7th Street, 
SW., Suite P-7110, Washington, DC 20410. Written requests must include 
the full name, current address, and telephone number of the individual 
making the request, including a description of the requester's 
relationship to the information in question. The System Manager will 
accept inquiries from individuals seeking notification of whether the 
system contains records pertaining to them.

[[Page 36353]]

CONTESTING RECORD PROCEDURES:
    The procedures for requesting amendment or correction of records 
appear in 24 CFR part 16. If additional information or assistance is 
required, contact the Privacy Act Appeals Officer, Office of General 
Counsel, Department of Housing and Urban Development, 451 Seventh 
Street, SW., Washington, DC 20410.

RECORD SOURCE CATEGORIES:
    The insured lenders and loan servicing companies provide the 
information for the records stored on TIIS.

EXEMPTIONS FROM CERTAIN PROVISIONS OF THE ACT:
     None.
HUD/HS-55

SYSTEM NAME:
    Debt Collection and Asset Management System (DCAMS), which consists 
of two sister systems identified as F71 and F71A.

SYSTEM LOCATION:
    Mainframe maintained in HUD Headquarters, 451 7th Street, SW., 
Suite P-7110, Washington, DC 20410. Records management performed by 
HUD's Financial Operations Center, 52 Corporate Circle, Albany, New 
York 12203.

CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
    Categories of individuals who have debts resulting from default on 
HUD/FHA-insured Title I loans and from other HUD/FHA loan programs.

CATEGORIES OF RECORDS IN THE SYSTEM:
    The system contains data fields pertaining to defaulted borrowers 
that include defaulted borrowers' names, addresses, Social Security 
Numbers, and phone numbers. The system also contains data fields for 
records relating to payment and other financial account data such as 
debt balance; loan origination information such as date and amount of 
loan; date of default; and collection and account statuses. The system 
also contains narrative remarks (called Case Remarks) that may include 
notes pertaining to discussions with defaulted borrowers and other 
parties; information obtained from public and court records, such as 
assessed property values, lien histories, case information from 
probate, state, and bankruptcy courts; and employer information for 
defaulted borrowers.

AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
    HUD is granted the authority in 24 CFR 17.60 through 17.170 to 
collect on claims for money or property arising out of the program 
activities of the Department. HUD's statutory authority for collecting 
and managing claims is found at 5 U.S.C. 5514, 28 U.S.C. 2672, and 31 
U.S.C. 3711, 3716-18, and 3721. The implementing regulations pertaining 
to HUD's debt collection activities and collection and use of personal 
data to support those activities are found at 24 CFR 17.60 through 
17.170.

PURPOSES:
    The primary purpose of DCAMS is to collect and maintain the data 
necessary to support activities related to the collection and servicing 
of various HUD/FHA debts. Debt collection and servicing activities 
include sending both automated and manually generated correspondence; 
making official phone calls; reporting consumer data to the credit 
bureaus; supporting collection initiatives, such as wage garnishment, 
offset of federal payments, pursuit of judgments, and foreclosure; and 
supporting defensive litigation related to foreclosure and actions to 
quiet title.

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 
subsection (b) of the Privacy Act of 1974, 5 U.S.C. 522a(b), records 
may also be disclosed routinely to other users under the following 
circumstances:
    1. Records may be disclosed to individuals under contract, 
cooperative agreement, or working agreement with HUD to assist the 
Department in fulfilling its statutory financial and asset management 
responsibilities.
    2. Records may be disclosed during the course of an administrative 
proceeding, where HUD is a party, to an Administrative Law Judge and to 
the interested parties to the extent necessary for conducting the 
proceeding.
    3. Records may be disclosed to the Department of Justice for 
litigation purposes associated with the representation of HUD or other 
Federal agency before the courts.
    4. Records may be disclosed to the Department of Treasury who 
provides collection services for HUD.
    5. Records may be provided to the national credit bureaus for 
credit reporting purposes.
    6. Records may be disclosed to a confidential source to the extent 
necessary to assist the Office of the Inspector General or the 
Government Accounting Office in an investigation or audit.
    7. Records may be disclosed to employers to effect wage 
garnishment.
    8. Records may be disclosed in asset sale transactions to third 
party debt purchasers.

POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING, 
AND DISPOSING OF RECORDS IN THE SYSTEM:
STORAGE:
    Records are stored electronically in computer hardware devices and 
in hard copy in file cabinets or other secure storage units.

RETRIEVABILITY:
    Records may be retrieved by computer search via the name, address, 
or Social Security Number of the defaulted borrower and manually by 
combination of account number and name of primary defaulted borrower.

SAFEGUARDS:
    Records are maintained in a secure computer network and in locked 
file cabinets in office space with controlled access.

RETENTION AND DISPOSAL:
    Computer records for all active cases are available online in 
DCAMS. Computer records on inactive cases retired from the system are 
removed from the DCAMS online files and retained in batch files. The 
case remarks for these cases remain available online. Some reports can 
be generated based on the information stored in the batch files. 
Computer records for inactive cases that have been purged from the 
system are not retained in a batch file. The financial histories for 
these cases have been printed to microfiche. No other reports are 
available for purged cases. Records stored in paper files for inactive 
cases are retained in a Federal Records Center. Records are disposed of 
and archived in a manner that is consistent with the applicable 
official HUD Records Disposition Schedules and guidelines.

SYSTEM MANAGER AND ADDRESS:
    Lester J. West, Director, HUD, Financial Operations Center, 52 
Corporate Circle, Albany, New York 12203.

NOTIFICATION AND RECORD ACCESS PROCEDURES:
    Individuals seeking to determine whether this system of records 
contains information about them, or those seeking access to such 
records, should address inquiries to the Project Manager of OHHLHC-
CIEF, U.S. Department of Housing and Urban Development, 451 7th Street, 
SW., Suite P-7110, Washington, DC 20410. Written requests must include 
the full name, current address, and telephone number of the

[[Page 36354]]

individual making the request, including a description of the 
requester's relationship to the information in question. The System 
Manager will accept inquiries from individuals seeking notification of 
whether the system contains records pertaining to them.

CONTESTING RECORD PROCEDURES:
    The procedures for requesting amendment or correction of records 
appear in 24 CFR part 16. If additional information or assistance is 
required, contact the Privacy Act Appeals Officer, Office of General 
Counsel, Department of Housing and Urban Development, 451 Seventh 
Street, SW., Washington, DC 20410.

RECORD SOURCE CATEGORIES:
    Information may be collected from a variety of sources, including 
HUD, other Federal, state, and local agencies, public records, credit 
reports, and HUD-insured lenders and other program participants.

EXEMPTIONS FROM CERTAIN PROVISIONS OF THE ACT:
    None.

[FR Doc. E6-10079 Filed 6-26-06; 8:45 am]
BILLING CODE 4210-67-P