[Federal Register Volume 87, Number 176 (Tuesday, September 13, 2022)]
[Notices]
[Pages 56003-56015]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2022-19887]
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DEPARTMENT OF EDUCATION
[Docket ID ED-2022-FSA-0056]
Privacy Act of 1974; System of Records
AGENCY: Federal Student Aid, U.S. Department of Education.
ACTION: Notice of a modified system of records.
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SUMMARY: In accordance with the Privacy Act of 1974, as amended
(Privacy Act), the U.S. Department of Education (Department) publishes
this notice of a modified system of records entitled ``Common Services
for Borrowers (CSB)'' (18-11-16). The information contained in this
system is maintained for various purposes relating to aid applicants
and recipients, cosigners, and endorsers. These include: determining
program benefit eligibility; originating, disbursing, servicing,
collecting, assigning, adjusting, transferring, referring, discharge,
and furnishing of credit information for title IV, Higher Education Act
of 1965, as amended (HEA), obligations; enforcing conditions or terms
of title IV, HEA obligations; and ensuring program and
[[Page 56004]]
contractual requirements are met by education and financial
institutions, guaranty agencies, and Department contractors including
Federal Loan Servicers, Not-for-Profit (NFP) Federal Loan Servicers,
the Federal Perkins Loan Servicer, and Private Collection Agencies
(PCAs).
DATES: Submit your comments on this modified system of records notice
on or before October 13, 2022. This modified system of records notice
will become applicable upon publication in the Federal Register on
September 13, 2022, except for the new and modified routine uses 1(a),
(d), (e), (f), (g), (h), (i), (k), (l), (m), (n), (o), (q), (5)(b),
(11), (12), (13), (14), (15), (16), (17) and (18) that are outlined in
the section entitled ``ROUTINE USES OF RECORDS MAINTAINED IN THE
SYSTEM, INCLUDING CATEGORIES OF USERS AND PURPOSES OF SUCH USES,''
which will be effective on October 13, 2022, unless they need to be
changed as a result of public comment. The Department will publish any
changes to the modified system of records notice resulting from public
comment.
ADDRESSES: Comments must be submitted via the Federal eRulemaking
Portal at regulations.gov. However, if you require an accommodation or
cannot otherwise submit your comments via regulations.gov, please
contact the program contact person listed under FOR FURTHER INFORMATION
CONTACT. The Department will not accept comments submitted by fax or by
email, or comments submitted after the comment period closes. To ensure
that the Department does not receive duplicate copies, please submit
your comments only once. In addition, please include the Docket ID at
the top of your comments.
Federal eRulemaking Portal: Go to www.regulations.gov to
submit your comments electronically. Information on using
Regulations.gov, including instructions for accessing agency documents,
submitting comments, and viewing the docket, is available on the site
under the ``help'' tab.
Privacy Note: The Department's policy is to make all comments
received from members of the public available for public viewing in
their entirety on the Federal eRulemaking Portal at
www.regulations.gov. Therefore, commenters should be careful to
include in their comments only information that they wish to make
publicly available.
Assistance to Individuals With Disabilities in Reviewing the
Rulemaking Record: On request, we will provide an appropriate
accommodation or auxiliary aid to an individual with a disability who
needs assistance to review the comments or other documents in the
public rulemaking record for this notice. If you want to schedule an
appointment for this type of accommodation or auxiliary aid, please
contact the person listed under FOR FURTHER INFORMATION CONTACT.
FOR FURTHER INFORMATION CONTACT: Mark LaVia, Executive Director,
Servicing, Student Experience and Aid Delivery, Federal Student Aid,
U.S. Department of Education, 1300 Market St., 5th floor, Philadelphia,
PA 19107. Email: [email protected]. Telephone: 202-805-4376.
If you are deaf, hard of hearing, or have a speech disability and
wish to access telecommunications relay services, please dial 7-1-1.
SUPPLEMENTARY INFORMATION:
Introduction
The ``Common Services for Borrowers (18-11-16)'' system of records
notice was most recently amended and published in full on September 2,
2016 (81 FR 60683).
The Department is modifying the section entitled ``SYSTEM
LOCATION'' as follows:
(i) For the Department, adding the System Manager located in
Philadelphia, PA; deleting the Washington, DC, location; and adding the
Department's regional offices in San Francisco, CA, Chicago, IL, and
Atlanta, GA, which were previously set forth in the now deleted
Appendix II;
(ii) For Maximus Federal Services, Inc., deleting the Manassas, VA,
location; adding the Frederick, MD, Greenville, TX, and Jacksonville,
FL, locations which were previously set forth in Appendix II; adding
Seattle, WA, Upper Marlboro, MD, and Brownsville, TX, locations; and
deleting locations previously set forth in Appendix II at Reston, VA
(Department contractor--Help Desk Application), Westminster, CO
(Department contractor--Debt Management Collection System (DMCS)
Disaster Recovery Site), Utica, NY (Department contractor--DMCS
Business and Financial Operations Management), Waldorf, MD (Department
subcontractor--Fulfillment Services), and Coralville, IA and
Jacksonville, FL (Department contractor--Call Centers);
(iii) For Nelnet Servicing, LLC, adding locations at Sioux Falls,
SD, North Mankato, MN, Grove City, OH, West Sacramento, CA, Lincoln,
NE, Omaha, NE, and North Monroe, NC; and deleting the location
previously set forth at Jacksonville, FL;
(iv) For Great Lakes Educational Loan Services, Inc. (GLCS) adding
Bellevue, NE, Sioux Falls, SD, Eau Claire, WI, Eagan, MN, Plano, TX,
Boscobel, WI, and Stevens Point, WI locations; and updating the address
of the Madison, WI, location;
(v) Adding Aidvantage, with locations in Chandler, AZ, Omaha, NE,
West Sacramento, CA, Monroe, NC, Wilkes-Barre, PA, Fishers, IN, and
Muncie, IN;
(vi) For Pennsylvania Higher Education Assistance Agency (PHEAA),
adding locations at Boyers, PA, Jacksonville, FL, Brownsville, TX,
Tampa, FL, San Angelo, TX, and Sterling Forest, NY; and deleting the
duplicative reference to the Harrisburg, PA, location, which was
previously set forth in Appendix II;
(vii) For the Missouri Higher Education Loan Authority (MOHELA),
adding the Chesterfield, MO, and Sterling Forest, NY, locations, which
were previously set forth in Appendix II; adding, and updating the
address of, the Columbia, MO, location, which was previously set forth
in Appendix II; adding Boyers, PA, and Washington DC, locations; and
deleting the location at Harrisburg, PA, which was previously set forth
in Appendix II;
(viii) For the Oklahoma Student Loan Authority (NFPOSLA), adding
the Scottsdale, AZ, Bellevue, NE, and Sioux Falls, SD, locations, which
were previously set forth in Appendix II; adding, and updating the
address of, one of the Oklahoma City, OK, locations (namely, 525
Central Park Drive, instead of 11300 Partnership Drive), which was
previously set forth in Appendix II; and deleting the locations at
Stafford, TX, Omaha, NE, and one of the Oklahoma City, OK, locations
(namely, 11300 Partnership Drive), which were previously set forth in
Appendix II;
(ix) Adding the North Texas Higher Education Servicing Corporation
(NFPHESC--EdFinancial), with locations in North Bellevue, NE, Sioux
Falls, SD, Stafford, TX, and Knoxville, TN;
(x) For Educational Computer Systems, Inc (ECSI), deleting the
reference to Coraopolis, PA; and adding Atlanta, GA, Warrendale, PA,
Moon Township, PA, and Winston-Salem, NC, locations;
(xi) Deleting Navient Corporation in Fishers, IN;
(xii) Adding Action Financial Services located in Medford, OR;
(xiii) Adding Bass & Associates, P.C. located in Tucson, AZ;
(xiv) Adding Central Research, Inc. (CRI) located in Lowell, AR;
(xv) For Coast Professional, Inc., adding a location in Geneseo,
NY, and deleting the location in West Monroe,
[[Page 56005]]
LA, which was previously set forth in Appendix II;
(xvi) Adding Credit Adjustments, Inc. (CAI) located in Defiance,
OH;
(xvii) Adding F.H. Cann & Associates, Inc. located in North
Andover, MA;
(xviii) For Immediate Credit Recovery (ICR) adding a location in
Poughkeepsie, NY; and deleting the location in Wappingers Falls, NY,
which was previously set forth in Appendix II;
(xix) Adding National Credit Services located in Bothell, WA;
(xx) For National Recoveries, Inc., adding the location in Ham
Lake, MN, which was previously set forth in Appendix II;
(xxi) Adding Professional Bureau of Collections of Maryland, Inc.
located in Greenwood Village, CO;
(xxii) Adding Reliant Capital Solutions located in Gahanna, OH;
(xxiii) Deleting the business description of the Department's work
with Federal Loan Servicers because it is not required and is covered
under the purposes of the system of records; and
(xxiv) Deleting the discussion of Appendix II, which is being
deleted, in its entirety, from this modified system of records notice.
The Department is modifying the section entitled ``SYSTEM
MANAGER(S)'' by updating the System Manager's title and address.
The Department is modifying the section entitled ``AUTHORITY FOR
MAINTENANCE OF THE SYSTEM'' to add ``the Higher Education Relief
Opportunities for Students Act of 2003 (20 U.S.C. 1098bb) (including
any waivers or modifications that the Secretary of Education deems
necessary to make to any statutory or regulatory provision applicable
to the student financial assistance programs under title IV of the HEA
to achieve specific purposes listed in the section in connection with a
war, other military operation, or a national emergency).''
The Department is modifying the section entitled ``PURPOSE(S) OF
THE SYSTEM'' as follows:
(i) The purpose of the system has been modified to include a note
detailing that ``[d]ifferent parts of the HEA use the terms
`discharge', `cancellation' or `forgiveness' to describe when a
borrower's loan amount is reduced in whole or in part by the
Department. To reduce complexity, this system of records notice uses
the term `discharge' to include all three terms (`discharge,'
`cancellation,' and `forgiveness'), including but not limited to
discharges of student loans made pursuant to specific benefit programs.
At times, this system of records notice may refer by name to a specific
benefit program, such as the `Public Service Loan Forgiveness' program;
such specific references are not intended to exclude any such program
benefits from more general references to loan discharges;''
(ii) Purpose (4) was modified to delete and replace ``loan or
grant'' with ``title IV, HEA obligation;''
(iii) Purpose (5) was modified to delete and replace ``make'' with
``originate'' and to add ``disburse,'' ``furnish credit information
for,''and ``discharge a title IV, HEA obligation'' in order to more
accurately reflect the appropriate terminology;
(iv) Purpose (6) was modified to delete that a purpose of the
system is ``to counsel a debtor in repayment efforts'' and to instead
clarify that a purpose of the system is to provide customers with
information to help them make informed decisions on repayment options,
including forbearance, deferment, and recurring debit options, based on
their unique situations;
(v) Purpose (7) was modified to add verifying compliance with
contract requirements;
(vi) Purpose (8) was modified to remove the word ``borrower'' and
to delete and replace ``a loan or grant'' with ``a title IV, HEA
obligation'' in order to more accurately reflect the appropriate
terminology;
(vii) Purpose (9) was modified to indicate that a purpose of the
system is to litigate a title IV, HEA obligation, or to prepare for,
provide support services for, or audit the results of litigation on a
title IV, HEA obligation;
(viii) Purpose (11) was modified to specify that a purpose of the
system is to verify that, in addition to program requirements, Federal,
State, local, or Tribal statutory and regulatory requirements are also
met by the listed entities (i.e., educational and financial
institutions, guaranty agencies, Department contractors including
Federal Loan Servicers, NFP Federal Loan Services the Federal Perkins
Loan Servicer, and PCAs);
(ix) Purpose (12) was modified to delete and replace ``debt'' with
``title IV, HEA obligation;''
(x) Purpose (13) was modified to delete and replace ``debt'' with
``title IV, HEA obligation'' and to delete and replace ``credit-
reporting agency'' with ``consumer reporting agency;''
(xi) Purpose (14) was modified to specify that a purpose of the CSB
system is to investigate, respond to, or resolve complaints submitted
to the Department or to other Federal, State, local, or Tribal agencies
regarding an aid applicant's or recipient's title IV, HEA program
eligibility, the disbursement or servicing of a title IV, HEA
obligation, or the practices or processes of the Department and/or the
Department's contractors; and to delete ``update information, or
correct errors contained in Department records'' because this was moved
to new purpose (19);
(xii) Purpose (15) was modified to reflect credit balances are
refunded by the U.S. Department of the Treasury(Treasury) to the
individual or loan holder;
(xiii) Purpose (16) was modified to delete and replace ``loans and
grants made under title IV of the HEA'' with ``title IV, HEA
obligations'' and to add ``NFP Federal Loan Servicers;''
(xiv) New purpose (18) was added to support research, analysis, and
development of educational policies in relation to title IV, HEA
student aid programs;
(xv) New purpose (19) was added to support Federal budget analysts
in the Department, the Office of Management and Budget (OMB), and the
Congressional Budget Office (CBO) in the development of budget needs
and forecasts;
(xvi) New purpose (20) was added to help governmental entities at
the Federal, State, Tribal, and local levels exercise their supervisory
and administrative powers (including, but not limited to licensure,
examination, discipline, regulation, or oversight of educational
institutions, Department contractors, guaranty agencies, eligible
lenders, and third-party servicers); to investigate, respond to, or
resolve complaints regarding the practices or processes of the
Department and/or the Department's contractors; and to update
information or correct errors contained in Department records;
(xvii) New purpose (21) was added to ensure that only authorized
users access aid applicants' or recipients' records, to maintain a
history of each instance in which the aid applicant's or recipient's
records are viewed or updated, and to assist the Department in
responding to a suspected or confirmed breach of this system or in
preventing, minimizing, or remedying harm when the Department suspects
or confirms that this system has been breached or when the Department
determines that information from this system of records is reasonably
necessary to assist another agency or entity in responding to a
suspected or confirmed breach or in preventing, minimizing, or
remedying the risk of harm resulting from a suspected or confirmed
breach;
(xviii) New purpose (22) was added to support the Department in
detecting, preventing, mitigating, and recouping
[[Page 56006]]
improper payments in title IV, HEA programs; and
(xix) New purpose (23) was added to allow the Department to conduct
testing, analysis, or take other administrative actions needed to
prepare for or execute programs under title IV of the HEA.
The Department is modifying the section entitled ``CATEGORIES OF
INDIVIDUALS COVERED BY THE SYSTEM'' as follows:
(i) The introductory paragraph was updated to delete and replace
the phrase ``are otherwise obligated to repay a loan or grant made
under title IV of the Higher Education Act of 1965, as amended (HEA)''
with ``otherwise owe a title IV, HEA obligation,'' and to delete and
replace ``held and collected by the Department'' with ``held,
originated, serviced, disbursed, adjusted, collected, or discharged by
the Department;''
(ii) Category (12), the Civil Legal Assistance Attorney Student
Loan Repayment Program (CLAARP), was deleted because CLAARP is a
repayment benefit and is not being funded;
(iii) Category (13), the Public Service Loan Forgiveness (PSLF)
Program, was deleted because PSLF is a repayment benefit similar to
other discharge programs and is therefore already covered in this
notice; and
(iv) The final paragraph was modified to delete and replace ``or as
household members'' with ``co-signers, endorsers, or a spouse,'' to
delete and replace ``Federal title IV, HEA loan or grant'' with
``Federal title IV, HEA program funds,'' and to delete and replace
``the grant or loan'' with ``a title IV, HEA obligation.''
The Department is modifying the section entitled ``CATEGORIES OF
RECORDS IN THE SYSTEM'' as follows:
(i) The introductory paragraph was updated to read ``The
Information Technology (IT) systems of the Department used to carry out
activities with regard to title IV, HEA obligations held, originated,
serviced, disbursed, collected, or discharged by the Department: DMCS,
IT systems operated by the Federal Loan Servicers and NFP Federal Loan
Servicers to accomplish the purpose(s) of this system of records, IT
systems operated by the Federal Perkins Loan Program Servicer to
accomplish the purpose(s) of this system of records, and IT systems
operated by the PCAs to accomplish the purpose(s) of this system of
records;'' to clarify the system of records also includes paper records
received from guaranty agencies for appeals by title IV, HEA loan
borrowers of guaranty agency decisions; to update ``making and
servicing loans, including collecting or otherwise resolving
obligations owed by an individual under title IV of the HEA'' with
``title IV, HEA obligations held, originated, serviced, disbursed,
collected, discharged, by the Department;'' to remove the CLAARP system
and PSLF system from the list of systems covered by this system of
records notice because these are repayment benefits, not systems; to
add IT systems operated by Not-For-Profit (NFP) Federal Loan Servicers
to the list of systems covered by this modified system of records
notice; and to remove the Total and Permanent Disability (TPD) system
from the list of systems covered by this system of records notice
because this is a discharge benefit;
(ii) The second paragraph was updated to delete and replace
``individuals'' with ``aid applicant or recipient'' and to delete and
replace ``obligated on the debt'' with ``indebted on a title IV, HEA
obligation;''
(iii) The second paragraph was updated to include ``Borrower
Defense (including but not limited to, case decisions, principal and
interest discharged, amount refunded, and borrower defense
notifications)'' as an example of records related to discharge of title
IV, HEA obligation;
(iv) The second paragraph was also updated to include the
maintenance of records related to PSLF (including, but not limited to,
employment records) and Borrower Defense (including but not limited to,
case decisions, principal and interest discharged, amount refunded, and
borrower defense notifications) as they relate to discharge.in the
listing of grounds for discharge;
(v) Finally, the second paragraph was updated to include loan
discharge eligibility information and associated discharge eligibility
consent information submitted by the recipient;
(vi) The third paragraph was modified to delete and replace ``for
all debts'' with ``for all title IV, HEA obligations'' and to delete
and replace ``individuals obligated on the debt'' with ``the individual
who owes a title IV, HEA obligation;'' and
(vii) A new fourth paragraph was added to include information
obtained from matching programs or other information exchanges with
other Federal and State agencies, and other entities, to assist in
identifying individuals who may be eligible for benefits related to
their title IV, HEA obligations, including, but not limited to, TPD
discharges, loan deferments, interest rate reductions, PSLF, and other
Federal and State loan repayment or discharge benefits or for the
purpose of recouping payments on delinquent title IV, HEA obligations
under title IV, HEA programs.
The Department is modifying the section entitled ``RECORD SOURCE
CATEGORIES'' to include cosigners, endorsers, current or prior FFEL
loan holders or servicers and ``NFP Federal Loan Servicers'' and Tribal
to the list of individuals and entities from whom or from which the
Department obtains information; and to add a statement that information
in this system may be obtained from other persons or entities from whom
or from which data is obtained under the listed routine uses.
The Department is modifying the section entitled ``ROUTINE USES OF
RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES OF USERS AND
PURPOSES OF SUCH USES'' as follows:
(i) The first paragraph was modified to delete the discussion of
``return information'' that the Department obtained from the Internal
Revenue Service because the Department no longer obtains this
information and to delete the reference to Appendix I, which is
separately being deleted, in its entirety, from this modified system of
records notice;
(ii) Routine use (1)(a) was modified to delete and replace ``the
loan or grant'' with ``title IV, HEA program funds;'' to add Tribal
agencies and their authorized representatives to the list of agencies
to which disclosures can be made; and to delete and replace ``repay the
debt'' with ``repay the title IV, HEA obligation;''
(iii) Routine use (1)(d) was modified to delete and replace ``the
loan or grant'' with ``a title IV, HEA obligation,'' and to permit
disclosures to be made to the individual whom the records identify as
the party obligated to repay the title IV, HEA obligation for the
purpose of enforcing the conditions or terms of a title IV, HEA
obligation;
(iv) Routine use (1)(e) was modified to delete and replace
``making'' with ``originating, disbursing'' to better clarify the
process and responsibilities; to delete and replace ``a loan or
collecting a grant obligation'' with ``title IV, HEA obligations;'' to
delete and replace the references to ``the debt'' with ``the title IV,
HEA obligation;'' to delete and replace ``make'' with ``originated'' to
better clarify the process of guaranty agencies, educational
institutions, or financial institutions; and to add disbursing,
furnishing of credit information, and discharging the title IV, HEA
obligation to the list of purposes for which the Department may
disclose records pursuant to the routine use;
[[Page 56007]]
(v) Routine use (1)(f) was modified to delete and replace ``[t]o
counsel a debtor in repayment efforts'' with ``[t]o provide customers
with information to help them make informed decisions on repayment
options, including deferment, forbearance, and recurring auto debit,
based on their unique situations'' to clarify the purpose of
disclosures under the routine use;
(vi) Routine use (1)(g) was modified to add disclosures to verify
compliance with contractual requirements, to delete and replace
verifying compliance with program regulations with verifying compliance
with Federal, State, local, or Tribal statutory, regulatory, or program
requirements, and to add third-party servicers and their authorized
representatives and Tribal agencies and their authorized
representatives to the list of entities and individuals to which or to
whom disclosures may be made under this routine use;
(vii) Routine use (1)(h) was modified to delete and replace ``an
individual obligated to repay a loan or grant'' with ``an individual
who owes a title IV, HEA obligation;''
(viii) Routine use (1)(i) was modified to permit disclosures to
FFEL loan holders and servicers, Department contractors including but
not limited to, Federal Loan Servicers, NFP Federal Loan Servicers, the
Federal Perkins Servicer, and PCAs, to delete and replace ``debt'' with
``title IV, HEA obligation;'' and to add Tribal agencies and their
representatives to the list of entities to which or to whom disclosures
may be made under this routine use;
(ix) Routine use (1)(k) was modified to add Tribal agencies and
their authorized representatives, and NFP Federal Loan Servicers to the
list of entities to which disclosures may be made to verify that HEA
program requirements are met, and to provide greater clarity by moving
the placement of accrediting agencies in the listing of entities to
which disclosures may be made to verify that HEA program requirements
are met;
(x) Routine use (1)(l) was modified to delete and replace ``debt''
with ``title IV, HEA obligation;''
(xi) Routine use (1)(m) was modified to delete and replace ``debt''
with ``title IV, HEA obligation'' and to delete and replace ``credit
reporting agency'' with ``consumer reporting agency;''
(xii) Routine use (1)(n) was modified to permit the Department to
make disclosures to investigate, respond to, and resolve complaints
submitted to the Department or to other Federal, State, local, or
Tribal agencies regarding an aid applicant's or recipient's title IV,
HEA program eligibility, the disbursement or servicing of a title IV,
HEA obligation, or the practices or processes of the Department and/or
the Department's contractors, and to add Tribal agencies and their
authorized representatives to the list of agencies to which disclosures
can be made. Routine use (1)(n) was also modified to delete and replace
``credit reporting agency'' with ``consumer reporting agency;''
(xiii) Routine use (1)(o) was modified to clarify that the
Department provides an individual's credit balance information to
Treasury for distribution;
(xiv) Routine use (1) (p) was modified to delete and replace
``loans and grants made under title IV of the HEA'' with ``title IV,
HEA obligations;'' and to add NFP Federal Loan Servicers;
(xv) Newly renumbered routine use (1)(q) was modified to read: ``To
help Federal, State, Tribal, and local governmental entities exercise
their supervisory and administrative powers (including, but not limited
to, licensure, examination, discipline, regulation, or oversight of
educational institutions, Department contractors, guaranty agencies,
eligible lenders, and third-party servicers) or to investigate, respond
to, or resolve complaints submitted regarding the practices or
processes of the Department and/or the Department's contractors, the
Department may disclose records to governmental entities at the
Federal, State, Tribal, and local levels. These records may include all
aspects of records relating to title IV, HEA obligations to permit
these governmental entities to verify compliance with debt collection,
consumer protection, financial, and other applicable statutory,
regulatory, or local requirements. Before making a disclosure to these
Federal, State, local, or Tribal governmental entities, the Department
will require them to maintain safeguards consistent with the Privacy
Act to protect the security and confidentiality of the disclosed
records;''
(xvi) Routine use (3) was deleted;
(xvii) Routine use (5)(b) was updated to add public agencies'
agents and contractors and Department contractors to, and remove
foreign agencies from, the entities to which the Department may
disclose records from this system in connection with certain
employment, benefit, and contracting matters;
(xviii) Newly renumbered routine use (11) was modified to include
the requirement that the researcher must ``agree to establish and
maintain safeguards to protect the security and confidentiality of the
disclosed records'' as part of the disclosure of the records from this
system of records;
(xix) Newly renumbered routine use (12) was updated to add that a
Congressional Member's written request for a record must be made not
only at the written request of, but also on behalf of, an individual
constituent whose records are being disclosed; and to delete the phrase
``whose records are being disclosed;''
(xx) Newly renumbered routine use (13) was modified to include
disclosures to the Congressional Budget Office (CBO) and to read: ``The
Department may disclose records to OMB or the CBO as necessary to
fulfill CRA requirements in accordance with 2 U.S.C. 661b;''
(xxi) Newly renumbered routine use (14) was modified to delete and
replace the reference in item (a) to ``the Department suspects or has
confirmed that the security or confidentiality of information in a
system covered by this system of records notice has been compromised''
with ``the Department suspects or has confirmed that there has been a
breach of the system of records;'' to delete and replace the reference
in item (b) to ``compromise'' with ``breach'' and the reference in item
(b) to ``economic or property interests, identity theft or fraud, or
harm to the security or integrity of this system or other system or
programs (whether maintained by the Department or another agency or
entity) that rely upon the compromised information'' with
``individuals, the Department (including its information systems,
programs, and operations), the Federal government, or national
security;'' and to delete and replace the reference in item (c) to
``compromise'' with ``breach;''
(xxii) New routine use (15) was added to allow the Department to
disclose records from this system to another Federal agency or Federal
entity when the Department determines that information from this system
of records is reasonably necessary to assist the recipient agency or
entity in responding to a suspected or confirmed breach, or 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;
(xxiii) Routine use (16) was modified to delete the word
``computer'' before the term ``matching programs,'' and to delete the
reference to Appendix I, which is being separately deleted, in its
entirety, from this modified system of records notice;
(xxiv) Routine use (17) was modified to delete the last sentence
stating ``disclosure may be made to conduct
[[Page 56008]]
computerized comparisons for this purpose;'' and
(xxv) New routine use (18) was added to allow the Department to
disclose records from this system to the National Archives and Records
Administration (NARA) for the purpose of records management inspections
conducted under authority of 44 U.S.C. 2904 and 2906.
The Department is modifying the section entitled ``POLICIES AND
PRACTICES FOR RETENTION AND DISPOSAL OF RECORDS'' to indicate that
records are retained and disposed of in accordance with ED Records
Schedule 075: FSA Loan Servicing, Consolidation, and Collections
Records (N1-441-09-016) (ED 075); the Department has proposed
amendments to ED 075 for NARA's consideration; and the Department will
continue to preserve all records covered by ED 075 until the amendments
are approved.
The Department is modifying the section entitled ``ADMINISTRATIVE,
TECHNICAL, AND PHYSICAL SAFEGUARDS'' as follows:
(i) In the first paragraph, the Department removed the reference to
Appendix II, which is being separately deleted, in its entirety, from
this modified system of records notice;
(ii) In the second paragraph, the Department updated the reference
to its Administrative Communications Directive and clarified that its
requirements to undergo a security clearance investigation apply to
contract personnel who have facility access and system access;
(iii) In the third paragraph, the Department removed the reference
to OMB Circular No. A-130, Appendix III, because OMB Circular No. A-130
no longer contains an Appendix III;
(iv) In the fourth paragraph, the Department deleted and replaced
``FSA Information Security and Privacy Policy'' with ``Standard PR.AC:
Password Parameters Policy;''
(v) The Department included, in new fifth and sixth paragraphs,
information on requirements under the Federal Information Security
Management Act of 2002 (FISMA), as amended by the Federal Information
Security Modernization Act of 2014, to clarify that the Department
system must receive a signed Authorization to Operate (ATO) and to
provide a more detailed explanation of controls; and
(vi) In the final paragraph, the Department is updating the
reference to additional system locations given that Appendix II is
being separately deleted, in its entirety, from this system of records
notice; and deleting the reference to ``additional physical security
measures'' being in place.
The Department is removing APPENDIX I entitled ``COMPUTER MATCHING
PROGRAMS IN WHICH THE DEPARTMENT CURRENTLY ENGAGES OR HAS RECENTLY
ENGAGED WITH RESPECT TO THIS SYSTEM'' because the information that the
Department receives from matching programs has been generally described
in the section of the notice entitled ``CATEGORIES OF RECORDS'' and a
separate appendix is not required by the Privacy Act or OMB and is not
included in the Department's other systems of records notices.
The Department is removing APPENDIX II entitled ``ADDITIONAL SYSTEM
LOCATIONS.'' As part of removing Appendix II, the Department has made
the following modifications:
(i) From the subsection entitled ``The Department and its
Contractors,'' the Department's locations have been moved to the
``SYSTEM LOCATION'' section, as described in greater detail in the
above discussion of modifications thereto; and the PHEAA and Nelnet
Servicing LLC locations have been deleted, as they were already, and
continued to be, set forth in the ``SYSTEM LOCATION'' section;
(ii) From the subsection entitled ``Maximus Federal Services,
Inc.,'' the Reston, VA, Westminster, CO, Waldorf, MD, Coralville, IA,
Jacksonville, FL, and Utica, NY, locations have been deleted, and the
remaining Maximus locations have been moved to the ``SYSTEM LOCATION''
section, as described in greater detail in the above discussion of
modifications thereto;
(iii) From the subsection entitled ``Not-For-Profit (NFP)
Servicers:'' (a) for MOHELA, the Chesterfield, MO, and Sterling Forest,
NY, locations have been moved to, and the Columbia, MO, location has
been moved to, and its address updated in, the ``SYSTEM LOCATION''
section; and the Harrisburg, PA, location has been deleted; (b) for
NFPOSLA, the Scottsdale, AZ, Bellevue, NE, and Sioux Falls, SD,
locations have been moved to, and one of its Oklahoma City, OK,
locations (namely, 525 Central Park Drive) has been moved to, and its
address updated in, the ``SYSTEM LOCATION'' section, and the locations
at Stafford, TX, and Omaha, NE, and one of the Oklahoma City, OK,
locations (namely, 11300 Partnership Drive) has been deleted; and (c)
the following NFP Federal Loan Servicers have been deleted because they
no longer service loans for the Department: Education Servicers of
America, Inc. (ESA)/Edfinancial; Utah Higher Education Assistance
Authority (UHEAA)/Cornerstone Education Loan Services, Vermont Student
Assistance Corporation (VSAC), ISL Service Corporation/Aspire Resources
Inc., New Hampshire Higher Education Loan Corporation (NHHELCO)/Granite
State Management & Resources (GSM&R), South Carolina Student Loan
Corporation, Tru Student, Inc., Kentucky Higher Education Student Loan
Corporation (KHESLC), College Foundation, Inc., Council for South Texas
Economic Progress (COSTEP), Georgia Student Finance Authority, New
Mexico Educational Assistance Foundation, and Connecticut (Campus
Partners); and
(iv) From the subsection entitled ``Private Collection Agencies
(PCAs),'' Immediate Credit Recovery (ICR) and Coast Professional have
been moved to the ``SYSTEM LOCATION'' section with updated addresses in
Poughkeepsie, NY, and Geneseo, NY, respectively; the Nation Recoveries'
Ham Lake, MN, location has been moved to the ``SYSTEM LOCATION''
section; and the following PCAs have been deleted because they no
longer contract with the Department: Collecto, Inc., GC Services,
Allied Interstate, The CBE Group, Inc., Diversified Collection Service,
Financial Asset Management Systems, Inc., NCO Financial Systems, Inc.,
Pioneer Credit Recovery, Inc., Account Control Technology, Inc., Van Ru
Credit Corporation, Progressive Financial Services, West Asset
Management Enterprises, Inc., Premiere Credit of North America,
ConServe, Financial Management Systems, Collection Technology, Inc.,
Enterprise Recovery Systems, Inc., Windham Professionals, Inc., and
Delta Management Associates, Inc.
Accessible Format: On request to the program contact person listed
under FOR FURTHER INFORMATION CONTACT, individuals with disabilities
can obtain this document in an accessible format. The Department will
provide the requestor with an accessible format that may include Rich
Text Format (RTF) or text format (txt), a thumb drive, an MP3 file,
braille, large print, audiotape, or compact disc, or other accessible
format.
Electronic Access to This Document: The official version of this
document is the document published in the Federal Register. You may
access the official edition of the Federal Register and the Code of
Federal Regulations at www.govinfo.gov. At this site you can view this
document, as well as all other documents of this Department published
in the Federal Register, in text or Portable Document Format (PDF). To
use PDF you must have
[[Page 56009]]
Adobe Acrobat Reader, which is available free at the site.
You may also access documents of the Department published in the
Federal Register by using the article search feature at
www.federalregister.gov. Specifically, through the advanced search
feature at this site, you can limit your search to documents published
by the Department.
Richard Cordray,
Chief Operating Officer, Federal Student Aid.
For the reasons discussed in the preamble, the Chief Operating
Officer, Federal Student Aid (FSA), U.S. Department of Education
(Department), publishes a notice of a modified system of records to
read as follows:
SYSTEM NAME AND NUMBER:
Common Services for Borrowers (CSB) (18-11-16).
SECURITY CLASSIFICATION:
Unclassified.
SYSTEM LOCATION:
(1) U.S. Department of Education:
[ssquf] Executive Director, Servicing, Student Experience and Aid
Delivery, Federal Student Aid, U.S. Department of Education, 1300
Market St., 5th Floor, Philadelphia, PA 19107 (System Manager);
[ssquf] 50 Beale St., San Francisco, CA 94105;
[ssquf] 500 West Madison St., Chicago, IL 60661; and
[ssquf] 61 Forsyth St., Atlanta, GA 30303.
(2) Maximus Federal Services, Inc. (Contractor--Federal Loan
Servicer for Collections--Debt Management Collection System (DMCS)):
[ssquf] 5202 Presidents Ct., Frederick, MD 21703 (Department
contractor--DMCS Program Management and Help Desk);
[ssquf] Amazon Web Services Government Cloud, US East, 410 Terry
Ave. North, Seattle, WA 98109-5210 (System Hosting);
[ssquf] Mail Fulfillment and Imaging Center(s): 800 Commerce Dr.,
Upper Marlboro, MD 20774; and 6201 Interstate 30, Greenville, TX 75402;
and
[ssquf] Contact Centers: 1 Imeson Park Blvd., Suite 300,
Jacksonville, FL 32218; and 4335 Paredes Line Rd., Brownsville, TX
78526.
(3) Nelnet Servicing, LLC (Contractor--Federal Loan Servicer):
[ssquf] 1001 Fort Crook Rd. North, Suite 132, Bellevue, NE 68005
(System Hosting);
[ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104
(Backup site);
[ssquf] Mail Fulfillment and Imaging Center: 1720 Northway Dr.,
North Mankato, MN 56003; 3125 Lewis Centre Way, Grove City, OH 43123;
3885 Seaport Blvd., Suite 40, West Sacramento, CA 95691; and 1803 Rocky
River Rd., North Monroe, NC 28110; and
[ssquf] Contact Center(s): 3015 South Parker Rd., Aurora, CO 80014;
121 South 13th St., Lincoln, NE 68508; and 4501 Abbott Dr., #2300,
Omaha, NE 68110.
(4) Great Lakes Educational Loan Services, Inc. (GLCS)
(Contractor--Federal Loan Servicer):
[ssquf] 1001 Fort Crook Road North, Suite 132, Bellevue, NE 68005
(System Hosting);
[ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104
(Backup site);
[ssquf] Mail Fulfillment and Imaging Center: 2401 and 2501
International Lane, Madison, WI 53704; and 1529 Continental Dr., Eau
Claire, WI 54701; and
[ssquf] Contact Center(s): 930 Blue Gentian Rd., Eagan, MN 55121;
6500 International Pkwy, Plano, TX 75093; 2401 and 2501 International
Lane, Madison, WI 53704; 1529 Continental Dr., Eau Claire, WI 54701;
308 2nd St., Boscobel, WI 53805; and 1101 Center Point Dr., Stevens
Point, WI 54481.
(5) Aidvantage (Contractor--Federal Loan Servicer):
[ssquf] Chandler Data Center, 240 North Roosevelt Ave., Chandler,
AZ 48226 (System Hosting);
[ssquf] Omaha Data Center, 7305 Pacific St., Omaha, NE 68106
(Secondary/Backup site);
[ssquf] Mail Fulfillment and Imaging Center(s): 3885 Seaport Blvd.,
#40, West Sacramento, CA 95691; 1803 North Rocky River Rd., #7961,
Monroe, NC 28110; and 220 Lasley Ave., Wilkes-Barre, PA 18706; and
[ssquf] Contact Center(s): 11100 USA Parkway, Fishers, IN 46037;
220 Lasley Ave., Wilkes-Barre, PA 18706; and 4501 North Superior Dr.,
Muncie, IN 47303.
(6) Pennsylvania Higher Education Assistance Agency
(PHEAA)(Contractor--Federal Loan Servicer):
[ssquf] 1137 Branchton Rd., Boyers, PA 16020 (System Hosting);
[ssquf] 1200 North 7th St., Harrisburg, PA 17102-1419 (Mail
Fulfillment and Imaging);
[ssquf] Contact Center(s): 1 Imeson Park Blvd., Jacksonville, FL
32218; 4335 Paredes Line Rd., Brownsville, TX 78526; 6700 Lakeview
Center Dr., Tampa, FL 33619; 2763 Southwest Blvd., San Angelo, TX
76904; and
[ssquf] 300 Long Meadow Rd., Suite 200, Sterling Forest, NY 10979
(Disaster Recover Facility).
(7) Missouri Higher Education Loan Assistance Authority (MOHELA)
(Contractor--Not-for-Profit (NFP) Federal Loan Servicer):
[ssquf] 633 Spirit Dr., Chesterfield, MO 63005 (System Hosting);
[ssquf] 555 Vandiver Dr., Columbia, MO 65202 (Backup site);
[ssquf] 1137 Branchton Rd., Boyers, PA 16020;
[ssquf] 300 Long Meadow Rd., Suite 200, Sterling Forest, NY 10979
(Secondary Site);
[ssquf] Mail Fulfillment and Imaging ail Fulfillment and Imaging
Center(s): 633 Spirit Dr., Chesterfield, MO 63005; and 555 Vandiver
Dr., Columbia, MO 65202; and
[ssquf] Contact Center(s): 633 Spirit Dr., Chesterfield, MO 63005;
555 Vandiver Dr., Columbia, MO 65202; and 820 First St. NE, Suite L-
120, Washington, DC 20002.
(8) Oklahoma Student Loan Authority (NFPOSLA) (Contractor--NFP
Federal Loan Servicer):
[ssquf] 525 Central Park Dr., Ste. 600, Oklahoma City, OK 73105
(System Hosting);
[ssquf] 7499 East Paradise Lane, Scottsdale, AZ 85260 (Backup
site);
[ssquf] 1001 Fort Crook Road. North, Suite 132, Bellevue, NE.
68005-4247;
[ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104;
[ssquf] Mail Fulfillment and Imaging Center(s): 525 Central Park
Dr., Ste. 600, Oklahoma City, OK 73105; and
[ssquf] Call Center(s): 525 Central Park Dr., Ste. 600, Oklahoma
City, OK 73105.
(9) North Texas Higher Education Servicing Corp. (NFPHESC--
EdFinancial) (Contractor--NFP Federal Loan Servicer):
[ssquf] 1001 Fort Crook Rd., Suite 132, North Bellevue, NE 68005-
4247 (System Hosting);
[ssquf] 700 East 54th St. North, Suite 200, Sioux Falls, SD 57104;
[ssquf] Mail Fulfillment and Imaging Center(s): 13271 North
Promenade Blvd., Stafford, TX 77477-3957; and
[ssquf] Contact Center(s): 120 North Seven Oaks Dr., Knoxville, TN
37922; and 298 North Seven Oaks Dr., Knoxville, TN 37922.
(10) Educational Computer Systems, Inc. (ECSI) (Contractor--Federal
Perkins Loan Servicer):
[ssquf] 1033 Jefferson St. NW, Atlanta, GA 30318 (System Hosting);
[ssquf] Mail Fulfillment and Imaging Center(s): 100 Global View
Dr., Warrendale, PA 15086; and
[ssquf] Contact Center(s): 1200 Cherrington Parkway, Suite 200,
Moon Township, PA 15108; and 3330 Healy Dr., Winston-Salem, NC 27103.
(11) Action Financial Services (Contractor--Private Collection
Agency):
[ssquf] 2055 Cardinal Ave., Medford, OR 97504 (Call Center,
Administrative
[[Page 56010]]
Support, Compliance, Training and Human Resources).
(12) Bass & Associates, P.C. (Contractor--Private Collection
Agency):
[ssquf] 3926 E Fort Lowell Rd., Tucson, AZ 85712-1083
(Administration and Student Loan Collections).
(13) Central Research, Inc. (CRI) (Contractor--Private Collection
Agency):
[ssquf] 122 N Bloomington St., Suite I, Lowell, AR 72745
(Accounting/Corporate Administration).
(14) Coast Professional, Inc (Contractor--Private Collection
Agency):
[ssquf] 4273 Volunteer Rd., Geneseo, NY 14454 (Student Loan
Servicing & Collecting).
(15) Credit Adjustments, Inc. (CAI) (Contractor--Private Collection
Agency):
[ssquf] 1270 Geneva Blvd. Defiance, OH 43512 (Collection Activity,
Administrative Offices).
(16) F.H. Cann & Associates, Inc. (Contractor--Private Collection
Agency):
[ssquf] 1600 Osgood St., Suite 2-120, North Andover, MA 01845
(Collection Activity, Administrative Office).
(17) Immediate Credit Recovery (ICR) (Contractor--Private
Collection Agency):
[ssquf] 6 Neptune Rd., Suite 110, Poughkeepsie, NY 12601 (Call
Center, Rehab Payer Service and Maintenance, Compliance, IT Staff, HR,
Accounting, CEO, CIO, VP admin and other executive staff).
(18) National Credit Services (Contractor--Private Collection
Agency):
[ssquf] 2525 220th St. SE, Suite 200, Bothell, WA 98021 (Debt
Collection, Rehabilitations, Skip Tracing, QA, Compliance, HR and
Administrative Wage Garnishment (AWG)).
(19) National Recoveries Inc. (Contractor--Private Collection
Agency):
[ssquf] 14735 Hwy 65, NE, Ham Lake, MN 55304 (Collections, Invoice
Processing, IT).
(20) Professional Bureau of Collections of Maryland, Inc.
(Contractor--Private Collection Agency):
[ssquf] 5295 DTC Parkway, Greenwood Village, CO 80111 (Executive,
Administrative, Accounting, Collections, IT and Compliance).
(21) Reliant Capital Solutions (Contractor--Private Collection
Agency):
[ssquf] 670 Cross Pointe Rd., Gahanna, OH 43230 (Front Line Agents
and Administrative Office).
SYSTEM MANAGER(S):
Executive Director, Servicing, Student Experience and Aid Delivery,
Federal Student Aid, U.S. Department of Education, 1300 Market St., 5th
Floor, Philadelphia, PA 19107.
AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
Titles IV-A, IV-B, IV-D, and IV-E of the Higher Education Act (HEA)
of 1965, as amended (20 U.S.C. 1070 et seq.) and the Higher Education
Relief Opportunities for Students Act of 2003 (20 U.S.C. 1098bb)
(including any waivers or modifications that the Secretary of Education
deems necessary to make to any statutory or regulatory provision
applicable to the student financial assistance programs under title IV
of the HEA to achieve specific purposes listed in the section in
connection with a war, other military operation, or a national
emergency).
PURPOSE(S) OF THE SYSTEM:
Note: Different parts of the HEA use the terms ``discharge'',
``cancellation'' or ``forgiveness'' to describe when a borrower's
loan amount is reduced in whole or in part by the Department. To
reduce complexity, this system of records notice uses the term
``discharge'' to include all three terms (``discharge'',
``cancellation'' and ``forgiveness''), including but not limited to
discharges of student loans made pursuant to specific benefit
programs. At times, this system of records notice may refer by name
to a specific benefit program, such as the ``Public Service Loan
Forgiveness'' program; such specific references are not intended to
exclude any such program benefits from more general references to
loan discharges.
The information maintained in this system of records is used for
the following purposes:
(1) To verify the identity of an individual;
(2) To determine program eligibility and benefits;
(3) To facilitate default reduction efforts by program
participants;
(4) To enforce the conditions or terms of a title IV, HEA
obligation;
(5) To originate, disburse, service, collect, assign, adjust,
transfer, refer, furnish credit information for, and discharge a title
IV, HEA obligation;
(6) To provide customers with information to help them make
informed decisions on repayment options, including forbearance,
deferment, and recurring debit options, based on their unique
situations;
(7) To investigate possible fraud or abuse or verify compliance
with program regulations or contract requirements;
(8) To locate a delinquent or defaulted individual obligated to
repay a title IV, HEA obligation;
(9) To litigate a title IV, HEA obligation, or to prepare for,
provide support services for, or audit the results of litigation on a
title IV, HEA obligation;
(10) To prepare for, conduct, or enforce a limitation, suspension,
termination, or debarment action;
(11) To verify that Federal, state, local, or Tribal statutory,
regulatory, and program requirements are met by educational and
financial institutions, guaranty agencies, and Department contractors
including Federal Loan Servicers, NFP Federal Loan Servicers, the
Federal Perkins Loan Servicer, and Private Collection Agencies (PCAs);
(12) To verify whether a title IV, HEA obligation qualifies for
discharge;
(13) To conduct credit checks or respond to inquiries or disputes
arising from information on the title IV, HEA obligation already
furnished to a consumer reporting agency;
(14) To investigate, respond to, or resolve complaints submitted to
the Department or to other Federal, State, local, or Tribal agencies
regarding an aid applicant's or recipient's title IV, HEA program
eligibility, the disbursement, or servicing of a title IV, HEA
obligation, or the practices or processes of the Department and/or the
Department's contractors;
(15) To determine credit balances to be refunded by the U.S.
Department of the Treasury (Treasury) to the individual or loan holder;
(16) To allow educational institutions, financial institutions,
Federal Loan Servicers, NFP Federal Loan Servicers the Federal Perkins
Loan Servicer, PCAs, and guaranty agencies to report information to the
Department on all aspects of title IV, HEA obligations in uniform
formats to permit the Department directly to compare data submitted to
the Department by individual educational institutions, financial
institutions, third-party servicers, guaranty agencies, Federal Loan
Servicers, NFP Federal Loan Servicers the Federal Perkins Loan
Servicer, or PCAs;
(17) To report to the Internal Revenue Service (IRS) information
required by law to be reported, including, but not limited to, reports
required by 26 U.S.C. 6050P and 6050S;
(18) To support research, analysis, and development of educational
policies in relation to title IV, HEA student aid programs;
(19) To support Federal budget analysts in the Department, the
Office of Management and Budget (OMB), and the Congressional Budget
Office (CBO) in the development of budget needs and forecasts;
[[Page 56011]]
(20) To help governmental entities at the Federal, State, Tribal,
and local levels to exercise their supervisory and administrative
powers (including, but not limited to licensure, examination,
discipline, regulation, or oversight of educational institutions,
Department contractors, guaranty agencies, eligible lenders, and third-
party servicers); to investigate, respond to, or resolve complaints
regarding the practices or processes of the Department and/or the
Department's contractors; and to update information or correct errors
contained in Department records;
(21) To ensure that only authorized users access aid applicants' or
recipients' records, to maintain a history of each instance in which
the aid applicant's or recipient's records are viewed or updated, and
to assist the Department in responding to a suspected or confirmed
breach of this system or in preventing, minimizing, or remedying harm
when the Department suspects or confirms that this system has been
breached or when the Department determines that information from this
system is reasonably necessary to assist another agency or entity in
responding to a suspected or confirmed breach or in preventing,
minimizing, or remedying the risk of harm resulting from a suspected or
confirmed breach;
(22) To support the Department in detecting, preventing,
mitigating, and recouping improper payments in title IV, HEA programs;
and
(23) To conduct testing, analysis, or take other administrative
actions needed to prepare for or execute programs under title IV of the
HEA.
CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
The CSB system contains records on individuals who received a loan
or who otherwise owe a title IV, HEA obligation held, originated,
serviced, disbursed, adjusted, collected, or discharged by the
Department, which was made under:
(1) The Federal Family Education Loan (FFEL) Program, including
Stafford Loans, Federal Insured Student Loans (FISL), Supplemental
Loans for Students (SLS), PLUS Loans (formerly Parental Loans for
Undergraduate Students), and Consolidation Loans;
(2) the William D. Ford Federal Direct Loan (Direct Loan) Program,
including Federal Direct Unsubsidized and Subsidized Stafford/Ford
Loans, Federal Direct Consolidation Loans, and Federal Direct PLUS
Loans;
(3) the Federal Perkins Loan Program;
(4) the Federal Pell Grant Program;
(5) the Federal Supplemental Education Opportunity Grant (FSEOG)
Program;
(6) the Leveraging Educational Assistance Partnership (LEAP)
Program;
(7) the Special Leveraging Educational Assistance Partnership
(SLEAP) Program;
(8) the Academic Competitiveness Grant (ACG) Program;
(9) the National Science and Mathematics Access to Retain Talent
(SMART) Grant Program;
(10) the Teacher Education Assistance for College and Higher
Education (TEACH) Grant Program; and
(11) the Iraq and Afghanistan Service Grant Program.
This system also contains records on individuals who apply for, but
do not receive, a Direct Loan, as well as individuals identified by the
borrower or recipient of the Federal title IV, HEA program funds as
references, co-signers, endorsers, or a spouse whose income and
expenses are considered in connection with the making or the
enforcement of a title IV, HEA obligation.
CATEGORIES OF RECORDS IN THE SYSTEM:
This system of records covers the following Information Technology
(IT) systems of the Department used to carry out activities with regard
to title IV, HEA obligations held, originated, serviced, disbursed,
collected, or discharged by the Department: DMCS, IT systems operated
by the Federal Loan Servicers and NFP Federal Loan Servicers to
accomplish the purpose(s) of this system of records, IT systems
operated by the Federal Perkins Loan Program Servicer to accomplish the
purpose(s) of this system of records, and IT systems operated by the
PCAs to accomplish the purpose(s) of this system of records. This
system of records also covers paper records obtained by the Department
from guaranty agencies in the process of considering appeals by title
IV, HEA loan borrowers of guaranty agency decisions.
This system of records maintains the employment information,
educational status, family income, Social Security number (SSN),
address(es), email address(es), and telephone number(s) of the aid
applicant or recipient indebted on a title IV, HEA obligation or the
individuals whose income and expenses are included in a financial
statement submitted by the aid applicant or recipient. This system of
records maintains the loan discharge income eligibility information and
associated discharge eligibility consent information of the aid
recipient indebted on a title IV, HEA obligation. This system also
maintains records including, but not limited to, the application for,
agreement to repay, and disbursements on the loan, and loan guaranty,
if any; the repayment history, including deferments and forbearances;
claims by lenders on the loan guaranty; and records related to
discharge of title IV, HEA obligations on grounds of qualifying
service, bankruptcy discharge, Total and Permanent Disability
(including medical records submitted to support application for
discharge by reason of disability), death, Public Service Loan
Forgiveness (PSLF) (including, but not limited to, employment records),
Borrower Defense (including but not limited to, case decisions,
principal and interest discharged, amount refunded, and borrower
defense notifications) or other statutory or regulatory grounds for
relief.
Additionally, for title IV, HEA grant overpayments, the system
contains records about the amount disbursed, the school that disbursed
the grant, and the basis for overpayment; for all title IV, HEA
obligations, the system contains demographic, employment, and other
data on the individual who owes a title IV, HEA obligation or provided
as references by the obligor, and the collection actions taken by any
holder, including write-off amounts and compromise amounts.
This system also contains information obtained from matching
programs or other information exchanges with other Federal and State
agencies, and other entities, to assist in identifying individuals who
may be eligible for benefits related to their title IV, HEA
obligations, including, but not limited to, TPD discharges, loan
deferments, interest rate reductions, PSLF, and other Federal and State
loan repayment or discharge benefits or for the purpose of recouping
payments on delinquent title IV, HEA obligations under title IV, HEA
programs.
RECORD SOURCE CATEGORIES:
The system includes information that the Department obtains from
applicants and those individuals and their families who received, or
who are otherwise obligated to repay, a title IV, HEA obligation held
and collected by the Department. The Department also obtains
information from Federal Loan Servicers, NFP Federal Loan Servicers,
the Federal Perkins Loan Servicer, PCAs, references, cosigners,
endorsers, current or prior FFEL loan holders or servicers, guaranty
agencies, educational and financial institutions and their authorized
representatives, and Federal, State, Tribal and local agencies and
their authorized representatives; private parties, such as
[[Page 56012]]
relatives and business and personal associates; present and former
employers; creditors; consumer reporting agencies; and adjudicative
bodies. Information in this system may be obtained from other persons
or entities from whom or from which data is obtained following a
disclosure under the listed routine uses.
ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES
OF USERS AND PURPOSES OF SUCH USES:
The Department may disclose information contained in a record in
this system of records under the routine uses listed in this system of
records without the consent of the individual if the disclosure is
compatible with the purposes for which the information in the record
was collected. These disclosures may be made on a case-by-case basis,
or, if the Department has complied with the computer matching
requirements of the Privacy Act of 1974, as amended (Privacy Act),
under a computer matching agreement.
(1) Program Disclosures. The Department may disclose records for
the following program purposes:
(a) To verify the identity of the individual whom records indicate
has applied for or received title IV, HEA program funds, disclosures
may be made to guaranty agencies, educational and financial
institutions, and their authorized representatives; to Federal, State,
Tribal, or local agencies, and their authorized representatives; to
private parties, such as relatives, business and personal associates,
and present and former employers; to creditors; to consumer reporting
agencies; to adjudicative bodies; and to the individual whom the
records identify as the party obligated to repay the title IV, HEA
obligation;
(b) To determine program eligibility and benefits, disclosures may
be made to guaranty agencies, educational and financial institutions,
and their authorized representatives; to Federal, State, or local
agencies, and their authorized representatives; to private parties,
such as relatives, business and personal associates, and present and
former employers; to creditors; to consumer reporting agencies; and to
adjudicative bodies;
(c) To facilitate default reduction efforts by program
participants, disclosures may be made to guaranty agencies, educational
and financial institutions, and their authorized representatives; to
Federal, State, or local agencies, and their authorized
representatives; to consumer reporting agencies; and to adjudicative
bodies;
(d) To enforce the conditions or terms of a title IV, HEA
obligation, disclosures may be made to guaranty agencies, educational
and financial institutions, and their authorized representatives; to
Federal, State, or local agencies, and their authorized
representatives; to private parties, such as relatives, business and
personal associates, and present and former employers; to creditors; to
consumer reporting agencies; to adjudicative bodies; and to the
individual whom the records identify as the party obligated to repay
the title IV, HEA obligation;
(e) To permit originating, disbursing, servicing, collecting,
assigning, adjusting, transferring, referring, furnishing of credit
information, or discharging title IV, HEA obligations, disclosures may
be made to guaranty agencies, educational institutions, or financial
institutions that originated, held, serviced, or have been assigned the
title IV, HEA obligation, and their authorized representatives; to a
party identified by the debtor as willing to advance funds to repay the
title IV, HEA obligation; to Federal, State, or local agencies, and
their authorized representatives; to private parties, such as
relatives, business and personal associates, and present and former
employers; to creditors; to consumer reporting agencies; and to
adjudicative bodies;
(f) To provide customers with information to help them make
informed decisions on repayment options, including deferment,
forbearance, and recurring auto debit, based on their unique
situations, disclosures may be made to guaranty agencies, educational
and financial institutions, and their authorized representatives; and
to Federal, State, or local agencies, and their authorized
representatives;
(g) To investigate possible fraud or abuse or to verify compliance
with contractual requirements or Federal, State, local, or Tribal
statutory, regulatory, or program requirements, disclosures may be made
to guaranty agencies, educational and financial institutions, third-
party servicers, and their authorized representatives; to Federal,
State, Tribal, or local agencies, and their authorized representatives;
to private parties, such as relatives, present and former employers,
and business and personal associates; to creditors; to consumer
reporting agencies; and to adjudicative bodies;
(h) To locate a delinquent or defaulted borrower, or an individual
who owes a title IV, HEA obligation, disclosures may be made to
guaranty agencies, educational and financial institutions, and their
authorized representatives; to Federal, State, or local agencies, and
their authorized representatives; to private parties, such as
relatives, business and personal associates, and present and former
employers; to creditors; to consumer reporting agencies; and to
adjudicative bodies;
(i) To prepare a title IV, HEA obligation for litigation, to
provide support services for litigation on a title IV, HEA obligation,
to litigate a title IV, HEA obligation, or to audit the results of
litigation on a title IV, HEA obligation, disclosures may be made to
FFEL loan holders or servicers; Department contractors including but
not limited to, Federal Loan Servicers, NFP Federal Loan Servicers, the
Federal Perkins Servicer, PCAs and to guaranty agencies and their
authorized representatives; Federal, State, Tribal, or local agencies,
and their authorized representatives; and to adjudicative bodies;
(j) To prepare for, conduct, or enforce a limitation, suspension,
or termination or a debarment action, disclosures may be made to
guaranty agencies, educational or financial institutions, and their
authorized representatives; to Federal, State, or local agencies, and
their authorized representatives; and to adjudicative bodies;
(k) To verify that HEA program requirements are met by educational
and financial institutions, guaranty agencies, Federal Loan Servicers,
NFP Federal Loan Servicers, the Federal Perkins Loan Servicer, and
PCAs, disclosures may be made to guaranty agencies, educational or
financial institutions, and their authorized representatives; to
accrediting agencies; to auditors engaged to conduct an audit of a
guaranty agency or an educational or financial institution; to Federal,
State, Tribal, or local agencies, and their authorized representatives;
and to adjudicative bodies;
(l) To verify whether a title IV, HEA obligation qualifies for
discharge disclosures may be made to guaranty agencies, educational and
financial institutions, and their authorized representatives; to
Federal, State, or local agencies, and their authorized
representatives; to private parties, such as relatives, present and
former employers, and business and personal associates; to creditors;
to consumer reporting agencies; and to adjudicative bodies;
(m) To conduct credit checks or to respond to inquiries or disputes
arising from information on the title IV, HEA obligation already
furnished to a consumer reporting agency, disclosures may be made to
consumer reporting
[[Page 56013]]
agencies; to guaranty agencies, educational and financial institutions,
and their authorized representatives; to Federal, State, or local
agencies, and their authorized representatives; to private parties,
such as relatives, present and former employers, and business and
personal associates; to creditors; and to adjudicative bodies;
(n) To investigate, respond to, and resolve complaints submitted to
the Department or to Federal, State, local, or Tribal agencies
regarding an aid applicant's or recipient's title IV, HEA program
eligibility, the disbursement or servicing of a title IV, HEA
obligation, or the practices or processes of the Department and/or the
Department's contractors or to update information or correct errors
contained in Department records, disclosures may be made to guaranty
agencies, educational and financial institutions, and their authorized
representatives; to Federal, State, Tribal, or local agencies, and
their authorized representatives; to private parties, such as
relatives, present and former employers, and business and personal
associates; to creditors; to consumer reporting agencies; and to
adjudicative bodies;
(o) To provide credit balances identified in the Department's
systems to Treasury for distribution, disclosures may be made to
guaranty agencies, educational and financial institutions, and their
authorized representatives; to Federal, State, or local agencies, and
their authorized representatives; to private parties, such as
relatives, present and former employers, and business and personal
associates; and to creditors;
(p) To allow the reporting of information to the Department on all
aspects of title IV, HEA obligations in uniform formats and to permit
the Department to directly compare data submitted to the Department by
individual educational institutions, financial institutions, third-
party servicers, guaranty agencies, Federal Loan Servicers, NFP Federal
Loan Servicers, PCAs, and the Federal Perkins Loan Servicer,
disclosures may be made to educational institutions, financial
institutions, guaranty agencies, Federal Loan Servicers, the Federal
Perkins Loan Servicer, NFP Federal Loan Servicers, and PCAs;
(q) To report information required by law to be reported,
including, but not limited to, reports required by 26 U.S.C. 6050P and
6050S, disclosures may be made to the IRS; and;
(r) To help Federal, State, Tribal, and local governmental entities
exercise their supervisory and administrative powers (including, but
not limited to, licensure, examination, discipline, regulation, or
oversight of educational institutions, Department contractors, guaranty
agencies, eligible lenders, and third-party servicers) or to
investigate, respond to, or resolve complaints submitted regarding the
practices or processes of the Department and/or the Department's
contractors, the Department may disclose records to governmental
entities at the Federal, State, Tribal, and local levels. These records
may include all aspects of records relating to title IV, HEA
obligations to permit these governmental entities to verify compliance
with debt collection, consumer protection, financial, and other
applicable statutory, regulatory, or local requirements. Before making
a disclosure to these Federal, State, local, or Tribal governmental
entities, the Department will require them to maintain safeguards
consistent with the Privacy Act to protect the security and
confidentiality of the disclosed records.
(2) Feasibility Study Disclosure. The Department may disclose
information from this system of records to other Federal agencies, and
to guaranty agencies and to their authorized representatives, to
determine whether matching programs should be conducted by the
Department for purposes such as to locate a delinquent or defaulted
debtor or to verify compliance with program regulations.
(3) Enforcement Disclosure. In the event that information in this
system of records indicates, either alone or in connection with other
information, a violation or potential violation of any applicable
statutory, regulatory, or legally binding requirement, the Department
may disclose the relevant records to an entity charged with the
responsibility for investigating or enforcing those violations or
potential violations.
(4) Litigation and Alternative Dispute Resolution (ADR) Disclosure.
(a) Introduction. In the event that one of the parties listed below
is involved in judicial or administrative litigation or ADR, or has an
interest in such litigation or ADR, the Department may disclose certain
records to the parties described in paragraphs (b), (c), and (d) of
this routine use under the conditions specified in those paragraphs:
(i) The Department or any of its components;
(ii) Any Department employee in his or her official capacity;
(iii) Any Department employee in his or her individual capacity
where the Department of Justice (DOJ) has been requested to or agrees
to provide or arrange for representation for the employee;
(iv) Any Department employee in his or her individual capacity
where the Department has agreed to represent the employee; and
(v) The United States, where the Department determines that the
litigation is likely to affect the Department or any of its components.
(b) Disclosure to the DOJ. If the Department determines that
disclosure of certain records to the DOJ is relevant and necessary to
the judicial or administrative litigation or ADR, the Department may
disclose those records as a routine use to the DOJ.
(c) Adjudicative Disclosure. If the Department determines that
disclosure of certain records to an adjudicative body before which the
Department is authorized to appear or to an individual or an entity
designated by the Department or otherwise empowered to resolve or
mediate disputes is relevant and necessary to the judicial or
administrative litigation or ADR, the Department may disclose those
records as a routine use to the adjudicative body, individual, or
entity.
(d) Parties, Counsel, Representatives, and Witnesses. If the
Department determines that disclosure of certain records to a party,
counsel, representative, or witness is relevant and necessary to the
judicial or administrative litigation or ADR, the Department may
disclose those records as a routine use to the party, counsel,
representative, or witness.
(5) Employment, Benefit, and Contracting Disclosure.
(a) For Decisions by the Department. The Department may disclose a
record to a Federal, State, or local agency maintaining civil,
criminal, or other relevant enforcement or other pertinent records, or
to another public authority or professional organization, if necessary
to obtain information relevant to a Department decision concerning the
hiring or retention of an employee or other personnel action, the
issuance of a security clearance, the letting of a contract, or the
issuance of a license, grant, or other benefit.
(b) For Decisions by Other Public Agencies or their Agents and
Contractors, and Professional Organizations or the Department's
Contractors. The Department may disclose a records to a Federal, State,
local, or other public authority or an agent or contractor of such
public agency, or professional organization, or the Department's
contractors in connection with the hiring or retention of an employee
or other personnel action, the issuance of a security clearance, the
reporting of an investigation of an employee, the letting
[[Page 56014]]
of a contract, or the issuance of a license, grant, or other benefit,
to the extent that the record is relevant and necessary to the
receiving entity's decision on the matter.
(6) Employee Grievance, Complaint, or Conduct Disclosure. If a
record is relevant and necessary to an employee grievance, complaint,
or disciplinary action, the Department may disclose the record in this
system of records in the course of investigation, fact-finding, or
adjudication to any witness, designated factfinder, mediator, or other
person designated to resolve issues or decide the matter.
(7) Labor Organization Disclosure. The Department may disclose a
record from this system of records to an arbitrator to resolve disputes
under a negotiated grievance procedure or to officials of a labor
organization recognized under 5 U.S.C. chapter 71 when relevant and
necessary to their duties of exclusive representation.
(8) Freedom of Information Act (FOIA) and Privacy Act Advice
Disclosure. The Department may disclose records to the DOJ or to OMB if
the Department determines that disclosure is desirable or necessary in
determining whether particular records are required to be disclosed
under the FOIA or the Privacy Act.
(9) Disclosure to the DOJ. The Department may disclose records to
the DOJ, or the authorized representative of DOJ, to the extent
necessary for obtaining DOJ advice on any matter relevant to an audit,
inspection, or other inquiry related to the programs covered by this
system.
(10) Contracting Disclosure. If the Department contracts with an
entity for the purposes of performing any function that requires
disclosure of records in this system to employees of the contractor,
the Department may disclose the records to those employees. Before
entering into such a contract, the Department shall require the
contractor to maintain Privacy Act safeguards as required under 5
U.S.C. 552a(m) of the Privacy Act with respect to the records in the
system.
(11) Research Disclosure. The Department may disclose records to a
researcher if the Department determines that the individual or
organization to which the disclosure would be made is qualified to
carry out specific research related to functions or purposes of this
system of records. The Department may disclose records from this system
of records to that researcher solely for the purpose of carrying out
that research related to the functions or purposes of this system of
records. The researcher shall be required to agree to establish and
maintain safeguards to protect the security and confidentiality of the
disclosed records.
(12) Congressional Member Disclosure. The Department may disclose
the records of an individual to a member of Congress or the member's
staff when necessary to respond to an inquiry from the member made at
the written request of that individual and on behalf of that
individual. The member's right to the information is no greater than
the right of the individual who requested it.
(13) Disclosure to OMB or CBO for Credit Reform Act (CRA) Support.
The Department may disclose records to OMB or CBO as necessary to
fulfill CRA requirements in accordance with 2 U.S.C. 661b.
(14) Disclosure in the Course of Responding to a Breach of Data.
The Department may disclose records from this system of records to
appropriate agencies, entities, and persons when (a) the Department
suspects or has confirmed that there has been a breach of the system of
records; (b) the Department has determined that as a result of the
suspected or confirmed breach there is a risk of harm to individuals,
the Department (including its information systems, programs and
operations), the Federal government, or national security; and (c) the
disclosure made to such agencies, entities, and persons is reasonably
necessary to assist in connection with the Department's efforts to
respond to the suspected or confirmed breach and prevent, minimize, or
remedy such harm.
(15) Disclosure in Assisting another Agency in Responding to a
Breach of Data. The Department may disclose records from this system to
another Federal agency or Federal entity, when the Department
determines that information from this system of records is reasonably
necessary to assist the recipient agency or entity in (a) responding to
a suspected or confirmed breach or (b) 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.
(16) Disclosure to Third Parties through Matching Programs. Unless
otherwise prohibited by other laws, any information from this system of
records, including personal information obtained from other agencies
through matching programs, may be disclosed to any third party through
a matching program, which is conducted under a Computer Matching
Agreement between the Department and the third party, and requires that
the matching be conducted in compliance with the requirements of the
Privacy Act. Purposes of these disclosures may be: (a) To establish or
verify program eligibility and benefits; (b) to establish or verify
compliance with program regulations or statutory requirements, such as
to investigate possible fraud or abuse; and (c) to recoup payments or
delinquent debts under any Federal benefit programs, such as to locate
or take legal action against a delinquent or defaulted debtor.
(17) Disclosure of Information to Treasury. The Department may
disclose records to (a) a Federal or State agency, its employees,
agents (including contractors of its agents), or contractors, or (b) a
fiscal or financial agent designated by the Treasury, including
employees, agents, or contractors of such agent, for the purpose of
identifying, preventing, or recouping improper payments to an applicant
for, or recipient of, Federal funds, including funds disbursed by a
State in a State-administered, Federally funded program.
(18) Disclosure to National Archives and Records Administration
(NARA). The Department may disclose records from this system of records
to NARA for the purpose of records management inspections conducted
under authority of 44 U.S.C. 2904 and 2906.
DISCLOSURE TO CONSUMER REPORTING AGENCIES:
Disclosure pursuant to 5 U.S.C. 552a(b)(12): The Department may
disclose to a consumer reporting agency information regarding a valid
overdue claim of the Department; such information is limited to:
(1) The name, address, taxpayer identification number, and other
information necessary to establish the identity of the individual
responsible for the claim;
(2) the amount, status, and history of the claim; and
(3) the program under which the claim arose. The Department may
disclose the information specified in this paragraph under 5 U.S.C.
552a(b)(12) and the procedures contained in 31 U.S.C. 3711(e). A
consumer reporting agency to which these disclosures may be made is
defined in 15 U.S.C. 1681a(f) and 31 U.S.C. 3701(a)(3).
POLICIES AND PRACTICES FOR STORAGE OF RECORDS:
The records are maintained in hardcopy, microfilm, magnetic
storage, and optical storage media, such as tape, disk, etc.
[[Page 56015]]
POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS:
Records in this system pertaining to a title IV, HEA loan borrower
or grant recipient are retrieved by one or more of the following data
elements: the SSN, name, address, randomly generated number, debt
number, phone number, debt type reference, debt type extension debt
number, commercial name, commercial contact name, legacy ID, driver's
license number, American Bankers Association (ABA) routing number,
bankruptcy docket number, debt placement date, debt user defined page
(UDP), email address, last worked date, payment additional extension
reference ID, payment extension reference ID, tag short name, total
balance, credit bureau legacy ID, debt type group short name, debt type
short name, department name, institution account number, judgment
docket number, license-issuing State, next scheduled payment amount,
next scheduled payment date, office name, original debt type name, PCA
group short name, and PCA short name.
POLICIES AND PRACTICES FOR RETENTION AND DISPOSAL OF RECORDS:
All records are retained and disposed of in accordance with ED
Records Schedule 075: FSA Loan Servicing, Consolidation, and
Collections Records (N1-441-09-016) (ED 075). The Department has
submitted amendments to ED 075 for NARA's consideration and will
continue to preserve all records covered by ED 075 until the amendments
are approved.
ADMINISTRATIVE, TECHNICAL, AND PHYSICAL SAFEGUARDS:
All physical access to the Department's site, and to the sites of
the Federal Loan Servicers, the Federal Perkins Loan Servicer, PCAs,
and other contractors listed in this notice, where this system of
records is maintained, is controlled and monitored by security
personnel who check each individual entering the building for his or
her employee or visitor badge.
In accordance with the Department's Administrative Communications
System Directive ACSD-OFO-013 entitled ``Contractor Employee Personnel
Security Screenings,'' all contract personnel who have facility access
and system access are required to undergo a security clearance
investigation. Individuals requiring access to Privacy Act records are
required to hold, at a minimum, a moderate-risk security clearance
level. These individuals are required to undergo periodic screening at
five-year intervals.
In addition to conducting security clearances, contract and
Department employees are required to complete security awareness
training on an annual basis. Annual security awareness training is
required to ensure that contract and Department users are appropriately
trained in safeguarding Privacy Act records.
The computer system employed by the Department offers a high degree
of resistance to tampering and circumvention. This security system
limits data access to Department and contract staff on a ``need-to-
know'' basis and controls individual users' ability to access and alter
records within the system. All users of this system of records are
given a unique user identification and password. The Department's
Standard PR.AC: Password Parameters Policy requires the enforcement of
a complex password policy. In addition to the enforcement of a complex
password policy, users are required to change their password at least
every 60 to 90 days in accordance with the Department's Information
Technology standards.
In accordance with the Federal Information Security Management Act
of 2002 (FISMA), as amended by the Federal Information Security
Modernization Act of 2014, every Department system must receive a
signed Authorization to Operate (ATO) from a designated Department
official. The ATO process includes a rigorous assessment of security
and privacy controls, a plan of actions and milestones to remediate any
identified deficiencies, and a continuous monitoring program.
FISMA controls implemented comprise a combination of management,
operational, and technical controls, and include the following control
families: access control, awareness and training, audit and
accountability, assessment, authorization, and monitoring,
configuration management, contingency planning, identification and
authentication, incident response, maintenance, media protection,
physical and environmental protection, planning, program management,
personnel security, personally identifiable information processing and
transparency, risk assessment, system and services acquisition, system
and communications protection, system and information integrity, and
supply chain risk management.
All of the Federal Loan Servicers, NFP Federal Loan Servicers, the
Federal Perkins Loan Servicer, PCAs and other contractors, as listed in
``SYSTEM LOCATION,'' undergo FISMA security authorizations. In
addition, access is monitored 24 hours per day, 7 days a week.
RECORD ACCESS PROCEDURES:
If you wish to gain access to a record in this system, provide the
system manager with your name, date of birth, and SSN. Requests by an
individual for access to a record must meet the requirements of the
regulations in 34 CFR 5b.5, including proof of identity.
CONTESTING RECORD PROCEDURE:
If you wish to contest the content of a record in this system of
records, contact the system manager with your name, date of birth, and
SSN; identify the specific items to be changed; and provide a written
justification for the change. Requests to amend a record must meet the
requirements of the regulations in 34 CFR 5b.7.
NOTIFICATION PROCEDURES:
If you wish to determine whether a record exists regarding you in
this system of records, provide the system manager with your name, date
of birth, and SSN. Requests must meet the requirements of the
regulations in 34 CFR 5b.5 and 5b.7, including proof of identity.
EXEMPTIONS PROMULGATED FOR THE SYSTEM:
None.
HISTORY:
The system of records entitled ``Common Services for Borrowers
(CSB)'' (18-11-16) was originally published in the Federal Register on
January 23, 2006 (71 FR 3503-3507), modified on September 12, 2014 (79
FR 54685-54695), and was last modified on September 2, 2016 (81 FR
60683-60691).
[FR Doc. 2022-19887 Filed 9-12-22; 8:45 am]
BILLING CODE 4000-01-P