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