Notice2025-23610
Privacy Act of 1974; System of Records
Primary source
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Published
December 22, 2025
Effective
January 21, 2026
Issuing agencies
Consumer Financial Protection Bureau
Abstract
In accordance with the Privacy Act of 1974, the Consumer Financial Protection Bureau (CFPB or Bureau) proposes to modify a current Privacy Act System of Records titled, "CFPB.008 Transit Subsidy Program." This system of records maintains information from employees applying for or holding parking permits or applying for or participating in transportation subsidies to be used for public transportation, and vanpools to and from the workplace. The information is used to determine employee eligibility for transit subsidies and to disburse non-monetary subsidies to eligible employees.
Full Text
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<title>Federal Register, Volume 90 Issue 243 (Monday, December 22, 2025)</title>
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[Federal Register Volume 90, Number 243 (Monday, December 22, 2025)]
[Notices]
[Pages 59803-59804]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2025-23610]
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CONSUMER FINANCIAL PROTECTION BUREAU
[Docket No: CFPB-2025-0055]
Privacy Act of 1974; System of Records
AGENCY: Consumer Financial Protection Bureau.
ACTION: Notice of a modified system of records.
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SUMMARY: In accordance with the Privacy Act of 1974, the Consumer
Financial Protection Bureau (CFPB or Bureau) proposes to modify a
current Privacy Act System of Records titled, ``CFPB.008 Transit
Subsidy Program.'' This system of records maintains information from
employees applying for or holding parking permits or applying for or
participating in transportation subsidies to be used for public
transportation, and vanpools to and from the workplace. The information
is used to determine employee eligibility for transit subsidies and to
disburse non-monetary subsidies to eligible employees.
DATES: Comments must be received no later than January 21, 2026. The
new system of records will be effective January 21, 2026 unless the
comments received result in a contrary determination.
ADDRESSES: You may submit comments, identified by the title and docket
number (see above Docket No. CFPB-2025-0055), by any of the following
methods:
<bullet> Federal eRulemaking Portal: <a href="http://www.regulations.gov">http://www.regulations.gov</a>.
Follow the instructions for submitting comments. A brief summary of
this document will be available at <a href="https://www.regulations.gov/docket/CFPB-2025-0055">https://www.regulations.gov/docket/CFPB-2025-0055</a>.
<bullet> Email: <a href="/cdn-cgi/l/email-protection#aadad8c3dccbc9d3eac9ccdac884cdc5dc"><span class="__cf_email__" data-cfemail="0272706b7463617b42616472602c656d74">[email protected]</span></a>. Include Docket No. CFPB-2025-0055
in the subject line of the email.
<bullet> Mail/Hand Delivery/Courier: Kathryn Fong, Chief Privacy
Officer, Consumer Financial Protection Bureau, 1700 G Street NW,
Washington, DC 20552, (202) 435-7058. Because paper mail in the
Washington, DC area and at CFPB is subject to delay, commenters are
encouraged to submit comments electronically.
All submissions must include the agency name and docket number for
this notice. In general, all comments received will be posted without
change to <a href="http://www.regulations.gov">http://www.regulations.gov</a>. All comments, including
attachments and other supporting materials, will become part of the
public record and subject to public disclosure. You should submit only
information that you wish to make available publicly. Sensitive
personal information, such as account numbers or Social Security
numbers, should not be included.
FOR FURTHER INFORMATION CONTACT: Kathryn Fong, Chief Privacy Officer,
Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC
20552; (202) 435-7058. If you require this document in an alternative
electronic format, please contact <a href="/cdn-cgi/l/email-protection#2d6e6b7d6f726c4e4e485e5e444f44414459546d4e4b5d4f034a425b"><span class="__cf_email__" data-cfemail="88cbced8cad7c9ebebedfbfbe1eae1e4e1fcf1c8ebeef8eaa6efe7fe">[email protected]</span></a>. Please
do not submit comments to this email box.
SUPPLEMENTARY INFORMATION: In accordance with the Privacy Act of 1974,
5 U.S.C. 552a, the CFPB is modifying a system of records titled,
``CFPB.008 Transit Subsidy Program.'' This modified system of records
includes a new routine use to enable disclosure of records to the
Department of Treasury, pursuant to E.O. 14249, Protecting America's
Bank Account Against Fraud, Waste, and Abuse and Office of Management
and Budget (OMB) Memorandum M-25-32, Preventing Improper Payments and
Protecting Privacy Through Do Not Pay. CFPB is also modifying the
purpose to clarify that records may be used to prevent improper payment
of funds.
The CFPB is also making non-substantive revisions to this SORN to
align with the Office of Management and Budget's recommended model in
Circular A-108, Appendix II. The report of the revised system of
records has been submitted to the Committee on Oversight and Government
Reform of the House of Representatives, the Committee on Homeland
Security and Governmental Affairs of the Senate, and the Office of
Management and Budget, pursuant to Circular A-108, ``Federal Agency
Responsibilities for Review, Reporting, and Publication under the
Privacy Act'' (Dec. 2016) and the Privacy Act of 1974, 5 U.S.C.
552a(r).
SYSTEM NAME AND NUMBER:
CFPB.008--Transit Subsidy Program.
SECURITY CLASSIFICATION:
Unclassified.
SYSTEM LOCATION:
Consumer Financial Protection Bureau, 1700 G Street NW, Washington,
DC 20552.
SYSTEM MANAGER(S):
Consumer Financial Protection Bureau, Chief Operating Officer, 1700
G Street NW, Washington, DC 20552.
AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
Public Law 111-203; title X, sections 1012 and 1013, codified at 12
U.S.C. 5492, 5493; Public Law 103-172; title V, section 1(a), codified
at 5 U.S.C. 7902.
PURPOSE(S) OF THE SYSTEM:
The purpose of the information collection is to establish and
maintain systems for providing transportation subsidies to employees.
This includes mass transportation, vanpools, and parking permits.
Information is used to determine the eligibility of applicants for
transportation subsidies and to disburse subsidies to eligible
employees through the Department of Transportation, and for parking
management. The system also enables the Bureau to compare these records
with other Federal agencies to ensure that employee transportation
programs subsidies are not abused, and to prevent improper payment of
funds. The information will also be used for administrative purposes to
ensure quality control, performance, and improving management
processes.
CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
Bureau employees applying for or who participate in the public
transportation transit subsidy program and vanpool transit subsidies to
and from the workplace, and applicants for or holders of parking
permits.
CATEGORIES OF RECORDS IN THE SYSTEM:
Records maintained in this system contain the Transit Subsidy
Program application which includes the participant or applicant's name,
home address, office address, office telephone number, grade, duty
hours, unique numeric identifier chosen by the individual, or the last
four of the Social Security number, previous method of transportation
to and from the workplace, costs of transportation, and the type of
fare subsidy requested including records of parking permit holders. It
will include subsidies authorized under the Federal Workforce
Transportation Program. Reports will be submitted to the Department of
Transportation and to the Bureau of Public Debt in accordance with the
Bureau Transit Subsidy Program.
RECORD SOURCE CATEGORIES:
Information in this system is maintained about employees who have
applied for or hold parking permits, or applied for or participate in
the
[[Page 59804]]
transportation subsidy program, the subsidy program managers and other
appropriate agency officials, or other federal agencies.
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, and consistent with the CFPB's Disclosure
of Records and Information Rules, promulgated at 12 CFR part 1070, all
or a portion of the records or information contained in this system may
be disclosed outside the CFPB as a routine use to:
(1) Appropriate agencies, entities, and persons when (a) the Bureau
suspects or has confirmed that there has been a breach of the system of
records; (b) the Bureau has determined that as a result of the
suspected or confirmed breach there is a risk of harm to individuals,
the Bureau (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 Bureau's efforts to respond
to the suspected or confirmed breach or to prevent, minimize, or remedy
such harm.
(2) Another Federal agency or entity, when the Bureau 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.
(3) Another Federal or State agency to (a) permit a decision as to
access, amendment, or correction of records to be made in consultation
with or by that agency, or (b) verify the identity of an individual or
the accuracy of information submitted by an individual who has
requested access to or amendment or correction of records.
(4) The Executive Office of the President in response to an inquiry
from that office made at the request of the subject of a record or a
third party on that person's behalf.
(5) Congressional offices in response to an inquiry made at the
request of the individual to whom the record pertains.
(6) Contractors, agents, or other authorized individuals performing
work on a contract, service, cooperative agreement, job, or other
activity on behalf of the Bureau or the U.S. Government and who have a
need to access the information in the performance of their mission,
including duties or activities.
(7) The Department of Justice (DOJ) for its use in providing legal
advice to the Bureau or in representing the Bureau in a proceeding
before a court, adjudicative body, or other administrative body, where
the use of such information by the DOJ is deemed by the Bureau to be
relevant and necessary to the advice or proceeding, and such proceeding
names as a party in interest:
(a) The CFPB;
(b) Any employee of the Bureau in their official capacity;
(c) Any employee of the Bureau in their individual capacity where
DOJ has agreed to represent the employee; or
(d) The United States, where the CFPB determines that litigation is
likely to affect the Bureau or any of its components.
(8) Appropriate Federal, State, local, foreign, Tribal, or self-
regulatory organizations or agencies responsible for investigating,
prosecuting, enforcing, implementing, issuing, or carrying out a
statute, rule, regulation, order, policy, or license if the information
may be relevant to a potential violation of civil or criminal law,
rule, regulation, order, policy, or license.
(9) A court, magistrate, or administrative tribunal in the course
of an administrative proceeding or judicial proceeding, including
disclosures to opposing counsel or witnesses (including expert
witnesses) in the course of discovery or other pre- hearing exchanges
of information, litigation, or settlement negotiations, where relevant
or potentially relevant to a proceeding, or in connection with criminal
law proceedings.
(10) The U.S. Department of the Treasury when disclosure of the
information is relevant to review payment and award eligibility through
the Do Not Pay Working System for the purposes of identifying,
preventing, or recouping improper payments to an applicant for, or
recipient of, Federal funds, including funds disbursed by a state
(meaning a state of the United States, the District of Columbia, a
territory or possession of the United States, or a federally recognized
Indian tribe) in a state-administered, federally funded program.
POLICIES AND PRACTICES FOR STORAGE OF RECORDS:
Records maintained in this system are stored electronically and in
paper files.
POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS:
Records are retrievable by a variety of fields including, but not
limited to, the individual's name, home address, work organization,
location, unique numeric identifier chosen by the individual, or the
last four of the Social Security number, mode of transportation, or by
some combination thereof.
POLICIES AND PRACTICES FOR RETENTION AND DISPOSAL OF RECORDS:
The CFPB maintains electronic and paper records in accordance with
published National Archives and Records Administration Disposition
Schedule, General Records Schedule 9, Federal Employee Transportation
Subsidy Program. Temporary. Destroy when 3 years old. (General Records
Schedule (GRS) 9, item 7).
ADMINISTRATIVE, TECHNICAL, AND PHYSICAL SAFEGUARDS:
Access to electronic records is restricted to authorized personnel
who have been issued non-transferrable access codes and passwords.
Other records are maintained in locked file cabinets or rooms with
access limited to those personnel whose official duties require access.
RECORD ACCESS PROCEDURES:
Individuals seeking notification and access to any record contained
in this system of records may inquire in writing in accordance with
instructions in 12 CFR 1070.50 et seq. Address such requests to: Chief
Privacy Officer, Consumer Financial Protection Bureau, 1700 G Street
NW, Washington, DC 20552. Instructions are also provided on the CFPB
website: <a href="https://www.consumerfinance.gov/foia-requests/submit-request/">https://www.consumerfinance.gov/foia-requests/submit-request/</a>.
CONTESTING RECORD PROCEDURES:
See ``Access Procedures'' above.
NOTIFICATION PROCEDURES:
See ``Access Procedures'' above.
EXEMPTIONS PROMULGATED FOR THE SYSTEM:
None.
HISTORY:
76 FR 68395; 83 FR 23435.
Kathryn Fong,
Chief Privacy Officer, Consumer Financial Protection Bureau.
[FR Doc. 2025-23610 Filed 12-19-25; 8:45 am]
BILLING CODE 4810-AM-P
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</html>Indexed from Federal Register on December 22, 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.