Notice2025-08135
Privacy Act of 1974; System of Records
Primary source
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Published
May 9, 2025
Issuing agencies
Housing and Urban Development Department
Abstract
Pursuant to the provisions of the Privacy Act of 1974, as amended, the Department of the Housing and Urban Development (HUD), Government National Mortgage Association (GNMA) is modifying a system of records, "Ginnie Mae Master Subservicer System" (MSS). This system of records is being revised to make clarifying changes and general updates to the remaining sections to accurately reflect management of the system of records in accordance with the Office of Management and Budget (OMB) Circular A108, Federal Agency Responsibilities for Review, Reporting, and Publication under the Privacy Act.
Full Text
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<title>Federal Register, Volume 90 Issue 89 (Friday, May 9, 2025)</title>
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[Federal Register Volume 90, Number 89 (Friday, May 9, 2025)]
[Notices]
[Pages 19726-19728]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2025-08135]
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DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
[Docket No. FR-7106-N-02]
Privacy Act of 1974; System of Records
AGENCY: Government National Mortgage Association, HUD.
ACTION: Notice of a modified system of records.
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SUMMARY: Pursuant to the provisions of the Privacy Act of 1974, as
amended, the Department of the Housing and Urban Development (HUD),
Government National Mortgage Association (GNMA) is modifying a system
of records, ``Ginnie Mae Master Subservicer System'' (MSS). This system
of records is being revised to make clarifying changes and general
updates to the remaining sections to accurately reflect management of
the system of records in accordance with the Office of Management and
Budget (OMB) Circular A108, Federal Agency Responsibilities for Review,
Reporting, and Publication under the Privacy Act.
DATES: Comments will be accepted on or before June 9, 2025. This SORN
becomes effective immediately, while the routine uses become effective
after the comment period immediately upon publication except for the
routine uses, which will become effective on the date following the end
of the comment period unless comments are received which result in a
contrary determination.
ADDRESSES: You may submit comments, identified by docket number or by
one of the following methods:
Federal e-Rulemaking Portal: <a href="http://www.regulations.gov">http://www.regulations.gov</a>. Follow the
instructions provided on that site to submit comments electronically.
Fax: 202-619-8365.
Email: <a href="/cdn-cgi/l/email-protection#4434362d3225273d042c31206a232b32"><span class="__cf_email__" data-cfemail="fa8a88938c9b9983ba928f9ed49d958c">[email protected]</span></a>.
Mail: Attention: Privacy Office; LaDonne White, Chief Privacy
Officer; The Executive Secretariat; 451 Seventh Street SW, Room 10139,
Washington, DC 20410-0001.
Instructions: All submissions received must include the agency name
and docket number for this rulemaking. All comments received will be
posted without change to <a href="http://www.regulations.gov">http://www.regulations.gov</a> including any
personal information provided.
Docket: For access to the docket to read background documents or
comments received go to <a href="http://www.regulations.gov">http://www.regulations.gov</a>.
FOR FURTHER INFORMATION CONTACT: LaDonne White; 451 Seventh Street SW,
Room 10139, Washington, DC 20410-0001; telephone number 202-708-3054
(this is not a toll-free number). HUD welcomes and is prepared to
receive calls from individuals who are deaf or hard of hearing, as well
as individuals with speech or communication disabilities. To learn more
about how to make an accessible telephone call, please visit <a href="https://www.fcc.gov/consumers/guides/telecommunications-relay-service-trs">https://www.fcc.gov/consumers/guides/telecommunications-relay-service-trs</a>.
SUPPLEMENTARY INFORMATION: HUD is publishing this revised notice to
include additional detail relating to Ginnie Mae's use of the system of
records and its data for market liquidity initiatives. Ginnie Mae has
made updates to the SORN to ensure that the template is fully compliant
with the agency's requirements. Furthermore, this modification is
making clarifying changes within: System Location, System Manager,
Record Authority for Maintenance of the System, Purpose of the System,
Routine Uses of Records Maintained in the System, Retrieval of Records,
and Retention and Disposal of Records, and Ginne Mae has modified the
language of the `Routine Use' section to provide clear and concise
information of the use and collection of the data. The modifications to
MSS SORN include these changes:
<bullet> ``System location'' has been updated and brings the
information current.
<bullet> ``System Manager'' has been updated and brings the
information current.
<bullet> ``Authority for maintenance'' has been updated to include
the authority for Social Security Number Collection.
<bullet> ``Purpose'' has been updated to reflect current
information.
<bullet> ``Routine Uses of Records Maintained in the System,
Including Categories of Uses and Purpose of Such Uses'' is updated to
include the applicable routine uses.
SYSTEM NAME AND NUMBER:
Ginnie Mae Master Subservicer System (MSS); HUD/GNMA-02.
SECURITY CLASSIFICATION:
Unclassified.
[[Page 19727]]
SYSTEM LOCATION:
Records are maintained at their respective Ginnie Mae Master
Subservicer.
SYSTEM MANAGER(S):
System Managers are specified in Ginnie Mae's Master Subservicer
contract(s): Ms. Adrianne Brown in the Carrington Group, and Ms.
Jacqueline Taylor in the Selene Finance, both reside at 425 3rd Street,
5th Floor, Washington, DC 20024-1000.
AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
Sec. 306(g), National Housing Act, 12 U.S.C. 1721(g). 42 U.S.C.
3543 Preventing Fraud and Abuse in HUD programs, and under 24 CFR part
200, subpart U and 24 CFR 203.35.
PURPOSES OF THE SYSTEM:
The information is used to perform a wide range of loan servicing
and issuing functions. The data is maintained in a comprehensive loan
servicing system that processes transactions relating to the servicing
of home and project loans on behalf of Ginnie Mae. The primary purpose
of this system of records is to capture borrower, loan, and pool-level
data associated with defaulted Issuer portfolios. When Ginnie Mae
defaults and extinguishes an issuer, one of Ginnie Mae's functions as
guarantor of securities is to service the mortgage loans. This system
of records serves as a central back-end repository, on Ginnie Mae's
behalf, to house borrower, loan origination, and servicing data
associated those defaulted issuer portfolios. Additionally, Ginnie Mae
intends to leverage the Master Subservicer System to source data
required to support market liquidity initiatives related to its
defaulted issuer portfolio.
CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
Borrowers and co-borrowers.
CATEGORIES OF RECORDS IN THE SYSTEM:
May include, but not limited to: Borrower's name, Social Security
Number, Date of Birth, co-borrowers' name(s), property address, phone
number, email address, income and other financial data; the Federal
Housing Administration (FHA), Department of Veterans Affairs (VA),
Department of Agriculture Rural Housing Service (RHS), or HUD Office of
Public and Indian Housing (PIH) loan number.
RECORD SOURCE CATEGORIES:
Records are established using information received from borrowers
and from legal instruments related to borrowers' loans (i.e.,
mortgages, notes, and deeds).
ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES
OF USERS AND PURPOSES OF SUCH USES:
In
(a) To the U.S. Treasury--for disbursements, adjustments,
collection services.
(b) To the Internal Revenue Service and to state and local
governments--for reporting payments for mortgage interest, for
reporting of discharge indebtedness and real estate taxes.
(c) To credit bureaus and other entities for credit reporting
purposes.
(d) To employers to effect wage garnishment.
(e) To third party purchasers or potential purchasers in connection
with asset sale transactions.
(f) To the National Archives and Records Administration, Office of
Government Information Services (OGIS), to the extent necessary to
fulfill its responsibilities in 5 U.S.C. 552(h), to review
administrative agency policies, procedures and compliance with the
Freedom of Information Act (FOIA), and to facilitate OGIS' offering of
mediation services to resolve disputes between persons making FOIA
requests and administrative agencies.
(g) To a congressional office from the record of an individual in
response to an inquiry from the congressional office made at the
request of the individual to whom the records pertain.
(h) To contractors, grantees, experts, consultants, Federal
agencies, and non-Federal entities, including, but not limited to,
State and local governments and other research institutions or their
parties, and entities and their agents with whom HUD has a contract,
service agreement, grant, cooperative agreement, or other agreement for
the purposes of statistical analysis and research in support of program
operations, management, performance monitoring, evaluation, risk
management, and policy development, to otherwise support the
Department's mission, or for other research and statistical purposes
not otherwise prohibited by law or regulation. Records under this
routine use may not be used in whole or in part to make decisions that
affect the rights, benefits, or privileges of specific individuals. The
results of the matched information may not be disclosed in identifiable
form.
(i) To contractors, grantees, experts, consultants and their
agents, or others performing or working under a contract, service,
grant, cooperative agreement, or other agreement with HUD, when
necessary to accomplish an agency function related to a system of
records. Disclosure requirements are limited to only those data
elements considered relevant to accomplishing an agency function.
(j) To contractors, experts, and consultants with whom HUD has a
contract, service agreement, or other assignment of the Department,
when necessary to utilize relevant data for the purpose of testing new
technology and systems designed to enhance program operations and
performance.
(k) To appropriate agencies, entities, and persons when: (1) HUD
suspects or has confirmed that there has been a breach of the system of
records; (2) HUD has determined that as a result of the suspected or
confirmed breach there is a risk of harm to individuals, HUD (including
its information systems, programs, and operations), the Federal
Government, or national security; and (3) the disclosure made to such
agencies, entities, and persons is reasonably necessary to assist in
connection with HUD's efforts to respond to the suspected or confirmed
breach or to prevent, minimize, or remedy such harm.
(l) To another Federal agency or Federal entity, when HUD
determines that information from this system of records is reasonably
necessary to assist the recipient agency or entity in (1) responding to
suspected or confirmed breach, or (2) 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.
(m) To appropriate Federal, State, local, tribal, or other
governmental agencies or multilateral governmental organizations
responsible for investigating or prosecuting the violations of, or for
enforcing or implementing, a statute, rule, regulation, order, or
license, where HUD determines that the information would assist in the
enforcement of civil or criminal laws and when such records, either
alone or in conjunction with other information, indicate a violation or
potential violation of law.
(n) To a court, magistrate, administrative tribunal, or arbitrator
in the course of presenting evidence, including disclosures to opposing
counsel or witnesses in the course of civil discovery, litigation,
mediation, or settlement negotiations, or in connection with criminal
law proceedings; when HUD determines that use of such records is
relevant and necessary to the litigation and when any
[[Page 19728]]
of the following is a party to the litigation or have an interest in
such litigation: (1) HUD, or any component thereof; or (2) any HUD
employee in his or her official capacity; or (3) any HUD employee in
his or her individual capacity where HUD has agreed to represent the
employee; or (4) the United States, or any agency thereof, where HUD
determines that litigation is likely to affect HUD or any of its
components.
(o) To any component of the Department of Justice or other Federal
agency conducting litigation or in proceedings before any court,
adjudicative, or administrative body, when HUD determines that the use
of such records is relevant and necessary to the litigation and when
any of the following is a party to the litigation or have an interest
in such litigation: (1) HUD, or any component thereof; or (2) any HUD
employee in his or her official capacity; or (3) any HUD employee in
his or her individual capacity where the Department of Justice or
agency conducting the litigation has agreed to represent the employee;
or (4) the United States, or any agency thereof, where HUD determines
that litigation is likely to affect HUD or any of its components.
In addition to the routine uses described above, HUD provides
notice pursuant to 31 U.S.C. 3711(e) that information contained in this
system of records may also be disclosed to a consumer reporting agency
when trying to collect a claim owed on behalf of the government.
POLICIES AND PRACTICES FOR STORAGE OF RECORDS:
Electronic and paper records.
POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS:
Records are retrieved by mortgagor/borrower name, Social Security
Number, loan number, property address.
POLICIES AND PRACTICIES FOR RETENTION AND DISPOSAL OF RECORDS:
Temporary. Destroy upon verification of successful creation of the
final document or file. Or when no longer needed for business use,
whichever is later. In accordance with HUD records disposition schedule
2225.6, Appendix 20. Records are destroyed upon successful creation of
the final document or file, or when no longer needed for business use,
whichever is later. Backup and recovery digital media will be destroyed
or otherwise rendered irrecoverable per NIST SP 800-88 ``Guidelines for
Media Sanitization.'' GRS 5.2, Item 20, DAA-GRS2017-0003-0002.
ADMINISTRATIVE, TECHNICAL, AND PHYSICAL SAFEGUARDS:
Administrative Safeguards: All users must agree to the systems
``Rules of Behavior'' which specify handling of personal information
and any physical records.
Technical Safeguards: Controls for the system include, but are not
limited to, username identification, password protection, multi-factor
authentication, firewalls, virtual private network, encryption, and is
limited to authorized users.
Physical Safeguards: Controls to secure the data and protect paper
records are maintained and locked in file cabinets. The original
collateral documents (hard copy) are stored at the contractor's office
site for all open loans and the closed documents are stored at a
secured offsite document storage facility. All hard copy files are
stored within a secured room within the contractor's secured office
suite when not in use. Background screening, limited authorizations,
and access, with access limited to authorized personnel and technical
restraints employed regarding accessing the records, access to
automated systems by authorized users by username and passwords.
RECORD ACCESS PROCEDURES:
Individuals requesting records of themselves should address written
inquiries to the Department of Housing Urban and Development 451 7th
Street SW, Washington, DC 20410-0001. For verification, individuals
should provide their full name, current address, and telephone number.
In addition, the requester must provide either a notarized statement or
an unsworn declaration made under 24 CFR 16.4.
CONTESTING RECORD PROCEDURES:
The HUD rule for contesting the content of any record pertaining to
the individual by the individual concerned is published in 24 CFR 16.8
or may be obtained from the system manager.
NOTIFICATION PROCEDURES:
Individuals requesting notification of records of themselves should
address written inquiries to the Department of Housing Urban
Development, 451 7th Street SW, Washington, DC 20410-0001. For
verification purposes, individuals should provide their full name,
office or organization where assigned, if applicable, and current
address and telephone number. In addition, the requester must provide
either a notarized statement or an unsworn declaration made under 24
CFR 16.4.
EXEMPTIONS PROMULGATED FOR THE SYSTEM:
None.
HISTORY:
Docket No. FR-5386-N-07, 75 FR 44803, July 29, 2010.
LaDonne L. White,
Chief Privacy Officer, Office of Administration.
[FR Doc. 2025-08135 Filed 5-8-25; 8:45 am]
BILLING CODE P
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</html>Indexed from Federal Register on May 9, 2025.
This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.