Notice2026-07827
Privacy Act of 1974; System of Records
Primary source
Metadata and text below are from the Federal Register, a public-domain U.S. government work. Always verify the official published version before relying on it for any legal matter.
Published
April 22, 2026
Issuing agencies
Education Department
Abstract
In accordance with the Privacy Act of 1974, as amended, the U.S. Department of Education (Department) publishes this notice of a modified system of records entitled "Common Origination and Disbursement (COD) System" (18-11-02). The information contained in this system is maintained for various purposes relating to aid applicants and recipients including determining their eligibility for Federal student financial assistance under the programs authorized by title IV of the Higher Education Act of 1965, as amended (HEA); institutions of higher education participating in and administering title IV, HEA programs; and the Department's oversight of title IV, HEA programs.
Full Text
<html>
<head>
<title>Federal Register, Volume 91 Issue 77 (Wednesday, April 22, 2026)</title>
</head>
<body><pre>
[Federal Register Volume 91, Number 77 (Wednesday, April 22, 2026)]
[Notices]
[Pages 21472-21480]
From the Federal Register Online via the Government Publishing Office [<a href="http://www.gpo.gov">www.gpo.gov</a>]
[FR Doc No: 2026-07827]
-----------------------------------------------------------------------
DEPARTMENT OF EDUCATION
[Docket ID ED-2026-FSA-0760]
Privacy Act of 1974; System of Records
AGENCY: Federal Student Aid, U.S. Department of Education.
ACTION: Notice of a Modified System of Records.
-----------------------------------------------------------------------
SUMMARY: In accordance with the Privacy Act of 1974, as amended, the
U.S. Department of Education (Department) publishes this notice of a
modified system of records entitled ``Common Origination and
Disbursement (COD) System'' (18-11-02). The information contained in
this system is maintained for various purposes relating to aid
applicants and recipients including determining their eligibility for
Federal student financial assistance under the programs authorized by
title IV of the Higher Education Act of 1965, as amended (HEA);
institutions of higher education participating in and administering
title IV, HEA programs; and the Department's oversight of title IV, HEA
programs.
DATES: Submit your comments on this modified system of records notice
on or before May 22, 2026.
This modified system of records notice will become applicable upon
publication in the Federal Register on April 22, 2026. The Department
will publish any changes to the modified system.
ADDRESSES: Comments must be submitted via the Federal eRulemaking
Portal at <a href="http://regulations.gov">regulations.gov</a>. However, if you require an accommodation or
cannot otherwise submit your comments via <a href="http://regulations.gov">regulations.gov</a>, please
contact one of the program contact persons 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.
<bullet> Federal eRulemaking Portal: Go to <a href="http://www.regulations.gov">www.regulations.gov</a> 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 ``FAQ''.
Privacy Note: The Department's policy is generally to make comments
received from members of the public available for public viewing in
their entirety on the Federal eRulemaking Portal at
<a href="http://www.regulations.gov">www.regulations.gov</a>. 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, the Department 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 aid,
please contact one of the program contact persons listed under FOR
FURTHER INFORMATION CONTACT.
FOR FURTHER INFORMATION CONTACT: Shannon Mahan, Acting Director,
Program Delivery Services Group, Federal Student Aid, U.S. Department
of Education,400 Maryland Ave. SW, Washington, DC 20202-0001.
Telephone: 202-377-3019. Email: <a href="/cdn-cgi/l/email-protection#54073c353a3a3b3a7a19353c353a1431307a333b22"><span class="__cf_email__" data-cfemail="53003b323d3d3c3d7d1e323b323d1336377d343c25">[email protected]</span></a>.
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: In accordance with the Privacy Act of 1974,
as amended (Privacy Act) (5 U.S.C. 552a), the Department proposes to
modify the system of records notice entitled ``Common Origination and
Disbursement (COD) System'' (18-11-02), which was last published in
full in the Federal Register on June 28, 2023 (88 FR 41942).
The Department is modifying the section entitled PURPOSE(S) OF THE
SYSTEM relating to aid applicants and recipients under title IV of the
HEA as follows:
(i) Purpose (11) has been updated to identify, verify, and maintain
records for ``legacy'' borrowers, defined as those who are enrolled in
a program of study at an institution as of June 30, 2026 and have
borrowed (or parent of a dependent undergraduate student has borrowed)
a Direct Loan for such program of study prior to July 1, 2026 during
the expected time to credential. This process ensures continued
eligibility under pre-2026 provisions for the lesser of a transitional
period not to exceed three academic years or the difference between the
published program length minus the period the student has already
completed in the program of study. The legacy provision no longer
applies if the student completes the program of study, ceases
[[Page 21473]]
enrollment in such program of study unless the student has taken an
approved leave of absence, or ceases enrollment at the institution the
student was enrolled at as of June 30, 2026. A change in an
undergraduate student's major does not affect this legacy provision.
(ii) New purpose (16) is added to track and enforce revised
aggregate loan limits, including tiered unsubsidized caps for graduate
and professional students, aggregate loan limit for Parent PLUS
borrowers per dependent, and non-PLUS lifetime maximum aggregate loan
limit.
The Department is modifying the section entitled PURPOSE(S) OF THE
SYSTEM relating to institutions of higher education participating in
and administering title IV, HEA programs by adding new purpose (8) to
support the implementation of provisions authorizing financial aid
administrators to maintain records and set lower annual loan limits for
students or parent borrowers. This modification allows the system to
record and apply these reduced limits, ensuring they are maintained and
applied consistently to all students within a specific program of
study. Specifically, to track and enforce revised aggregate loan
limits, including tiered unsubsidized caps for graduate and
professional students, aggregate loan limit for Parent PLUS borrowers
per dependent, and non-PLUS lifetime maximum aggregate loan limit.
The Department is modifying the section entitled CATEGORIES OF
RECORDS IN THE SYSTEM as follows:
(i) Category (9) is modified to include the process to identify,
verify, and maintain records for ``legacy'' borrowers -defined as those
who are enrolled in a program of study at an institution as of June 30,
2026 and have borrowed (or parent of a dependent undergraduate student
has borrowed) a Direct Loan for such program of study prior to July 1,
2026 during the expected time to credential. This process ensures
continued eligibility under pre-2026 provisions for the lesser of a
transitional period not to exceed three academic years or the
difference between the published program length minus the period the
student has already completed in the program of study. The legacy
provision no longer applies if the student completes the program of
study, ceases enrollment in such program of study unless the student
has taken an approved leave of absence, or ceases enrollment at the
institution the student was enrolled at as of June 30, 2026. A change
in an undergraduate student's major does not affect this legacy
provision.
The Department is modifying the section RECORD SOURCE CATEGORIES as
follows:
(i) This section is modified to remove the Student Aid internet
Gateway (SAIG) (covered by the Department's Privacy Act system of
records notice entitled ``Student Aid internet Gateway (SAIG),
Participation Management System'' (18-11-10)) and replace it with the
Federal Student Aid Partner Connect (FSA Partner Connect) (covered by
the Department's Privacy Act system of records notice entitled
``Federal Student Aid Partner Connect'' (18-11-24), which rescinded the
two systems of records notices entitled ``Student Aid internet Gateway,
Participant Management System'' (18-11-10) and ``Postsecondary
Education Participants System (PEPS)'' (18-11-09).
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 <a href="http://www.govinfo.gov">www.govinfo.gov</a>. 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 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
<a href="http://www.federalregister.gov">www.federalregister.gov</a>. Specifically, through the advanced search
feature at this site, you can limit your search to documents published
by the Department.
Richard Lucas,
Acting Chief Operating Officer, Federal Student Aid.
For the reasons discussed in the preamble, the Acting Chief
Operating Officer, Federal Student Aid (FSA) of the U.S. Department of
Education (Department) publishes a modified system of records notice to
read as follows:
SYSTEM NAME AND NUMBER:
Common Origination and Disbursement (COD) System (18-11-02).
SECURITY CLASSIFICATION:
Unclassified.
SYSTEM LOCATION:
Program Management Services, Federal Student Aid (FSA), U.S.
Department of Education, 400 Maryland Ave. SW, Washington, DC 20202-
0001.
Amazon Web Services (AWS) Government Cloud, 1200 12th Ave., Suite
1200, Seattle, WA 98114. (This is the Hosting Center for the COD
application, where all electronic COD information is processed and
maintained.)
Accenture, 22451 Shaw Rd., Sterling, VA 20166-4319. (The COD
Sterling Cloud-based operations is located here.)
Accenture DC, 820 First St. NE, Washington, DC 20202-4227. (This is
the COD operations center.)
Accenture Federal Services, 10931 Laureate Dr., San Antonio, TX
78249. (This is the COD support center.)
Atlanta Federal Records Center, National Archives and Records
Administration (NARA), 4712 Southpark Blvd., Ellenwood, GA 30294. (This
is where Direct Loan paper promissory notes (also referred to as master
promissory notes or MPNs)), Endorser Addenda, and Power of Attorney
documents are maintained.)
NTT Global Data Centers Americas (Raging Wire), 44664 Guilford Dr.,
Ashburn, VA 20147. (This is a datacenter for contact center technical
infrastructure.)
NTT Global Data Centers Americas (Raging Wire), 2008 Lookout Dr.,
Garland, TX 75044. (This is a datacenter for contact center technical
infrastructure.)
The following three listings are the locations of the COD Customer
Service Centers:
ASM Research, 4050 Legato Road, #1100, Fairfax, VA 22033. (This
center images and maintains all the Direct Loan paper MPNs and Endorser
Addenda);
Senture, LLC, 4255 W Highway 90, Monticello, KY 42633-3398; and
Veteran Call Center, 53 Knightsbridge Rd., Suite 216, Piscataway,
NJ 08854-3925.
SYSTEM MANAGER(S):
Director, COD System, Program Delivery Services Group, Federal
Student Aid (FSA), U.S. Department of Education (Department), Union
Center Plaza (UCP), Room 64E1, 830 First Street NE, Washington, DC
20202-5454.
[[Page 21474]]
AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
The authority under which the system is maintained includes section
455(a) of title IV of the Higher Education Act of 1965, as amended
(HEA) (20 U.S.C. 1070 et seq.) and (20 U.S.C. 1087e(a)), the Higher
Education Relief Opportunities for Students Act of 2003 (20 U.S.C.
1098(b) (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 FAFSA Simplification Act (Title VII, Division FF of
Pub. L. 116-260) (including but not limited to the following sections
of the FAFSA Simplification Act: Subsection 702(m), which amends
Section 483 of the HEA, and Section 703, which amends Section 401 of
the HEA), and the FAFSA Simplification Act Technical Corrections Act
(Division R of the Consolidated Appropriations Act, 2022 (Pub. L. 117-
103)).
PURPOSE(S) OF THE SYSTEM:
The information contained in this system is maintained for the
following purposes related to aid applicants and recipients under title
IV of the HEA:
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. Also, the Department
is making a global change that clarifies the Department's
responsibilities regarding the collection, maintenance, use, and
dissemination of Graduate PLUS and Parent PLUS records for the lesser
of a transitional period not to exceed the lesser of three academic
years or the difference between the published program length minus the
period the student has already completed in the program of study. The
legacy provision no longer applies if the student completes the program
of study, ceases enrollment in such program of study unless the student
has taken an approved leave of absence, or ceases enrollment at the
institution the student was enrolled at as of June 30, 2026. A change
in an undergraduate student's major does not affect this legacy
provision. This allows this system of records notice to use the term
``legacy borrowers'' defined as those who are enrolled in a program of
study at an institution as of June 30, 2026 and have borrowed (or
parent of a dependent undergraduate student has borrowed) a Direct Loan
for such program of study prior to July 1, 2026 during the expected
time to credential.
At times, the 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.
(1) To determine aid applicants' and recipients' eligibility for
and benefits under title IV, HEA programs, including, but not limited
to, receiving a loan, grant, or scholarship, and obtaining discharge of
eligible loans under title IV of the HEA;
(2) To maintain data and documentation, including, but not limited
to, promissory notes and other agreements that evidence the existence
of a legal obligation to repay funds disbursed under title IV, HEA
programs and alternative documentation of income (ADOI) used to support
the calculation of a monthly payment amount IDR plans;
(3) To identify whether an aid recipient may have received title
IV, HEA program funds at more than one educational institution for the
same enrollment period in violation of title IV, HEA program
regulations;
(4) To identify whether an aid recipient may have exceeded title
IV, HEA program fund award limits in violation of title IV, HEA program
regulations;
(5) To identify an aid applicant or recipient who completed an
electronic Direct Consolidation Loan Application and promissory note or
a Special Direct Consolidation Loan application and promissory note;
(6) To identify an aid applicant or recipient who completed
entrance and exit counseling in the Direct Loan or Teacher Education
Assistance for College and Higher Education (TEACH) Grant programs;
(7) To identify an aid recipient who apply to repay, or recertifies
their eligibility to repay, a Direct Loan, a Department-held Perkins
loan, a Department- or an eligible lender-held Federal Family Education
Loan (FFEL) Program loan under an IDR plan;
(8) To track student enrollments by educational program for
purposes of determining educational program outcomes, including using
that information to obtain average earnings of students by educational
program from another Federal agency;
(9) To maintain a qualifying employer database to allow aid
recipients who apply for Public Service Loan Forgiveness (PSLF),
Temporary Expanded Public Service Loan Forgiveness (TEPSLF), or the
limited PSLF waiver to search for and select their PSLF qualifying
employer;
(10) To enable the Department, or other Federal, State, Tribal, or
local government agencies, to investigate, respond to, or resolve
complaints concerning the practices or processes of the Department and/
or the Department's contractors, and to investigate, respond to, or
resolve aid applicant and recipient requests for assistance or relief
regarding title IV, HEA program funds;
(11) To enable an aid applicant, recipient, and, where applicable,
an endorser, to initiate online credit checks via the electronic
Federal Direct PLUS Loan Application or an Endorser Addendum (noting
that applicants with adverse credit may still qualify via a qualified
endorser or credit appeal); to identify, verify, and maintain records
for ``legacy'' borrowers, defined as those who are enrolled in a
program of study at an institution as of June 30, 2026 and have
borrowed (or parent of a dependent undergraduate student has borrowed)
a Direct Loan for such program of study prior to July 1, 2026 during
the expected time to credential. This process ensures continued
eligibility under pre-2026 provisions for the lesser of a transitional
period not to exceed three academic years or the difference between the
published program length minus the period the student has already
completed in the program of study. The legacy provision no longer
applies if the student completes the program of study, ceases
enrollment in such program of study unless the student has taken an
approved leave of absence, or ceases enrollment at the institution the
student was enrolled at as of June 30, 2026. A change in an
undergraduate student's major does not affect this legacy provision;
(12) To identify an aid recipient obligated to repay title IV, HEA
program funds pursuant to various maintained data and documentation
such as promissory notes, applications, and agreements;
(13) To identify an aid recipient who received a Federal
Supplemental Education Opportunity Grant (FSEOG) or who earned money
under the Federal Work-Study (FWS) program for use in the calculation
of the Student Aid Index (SAI) and to assist with expenditure reporting
on the Fiscal Operations
[[Page 21475]]
Report and Application to Participate (FISAP);
(14) To enable an aid recipient to complete a PSLF application
using the ``PSLF Help Tool'' and to maintain the aid recipient's PSLF
qualifying employer's information including, but not limited to,
authorizing official's name, title, phone number, email address, and
digital signature (including time and date stamp); and
(15) To identify whether an aid recipient (and where applicable the
spouse) who is applying or recertifies eligibility for an IDR plan has
or has not provided consent/affirmative approval both to redisclose
Federal Tax Information (FTI) of such individuals pursuant to clauses
(iii), (iv), (v), and (vi) of section 6103(l)(13)(D) of the Internal
Revenue Code (IRC) of 1986 and under subsection 494 (a) of the HEA (20
U.S.C. 1098h(a)) for the purpose of determining eligibility for, or
repayment obligations under, IDR plans under title IV of the HEA with
respect to loans under part D of the HEA (the Direct Loan Program), and
redisclosure of FTI under IRC Sec. 6103(l)(13)(A) and (C).
(16) To track and enforce revised aggregate limits, including
tiered unsubsidized caps for graduate and professional students,
aggregate lifetime limit for Parent PLUS borrowers per dependent, and
non-PLUS lifetime maximum aggregate loan limit.
The information in this system is also maintained for the following
purposes relating to institutions of higher education (also referred to
herein as ``educational institutions'') participating in and
administering title IV, HEA programs:
(1) To enable an institution of higher education to reconcile, on
an aggregate and recipient-level basis, the amount of title IV, HEA
program funds that an institution received for disbursements it made
to, or on behalf of, eligible students (including reconciling
verification codes, reconciling the funds received with disbursements
made by type of funds received, and making necessary adjustments);
(2) To enable an institution of higher education to request online
credit checks on an aid applicant, recipient, or endorser in connection
with the determination of the aid applicant's eligibility for a title
IV, HEA Federal Direct PLUS Loan;
(3) To assist an institution of higher education, a software
vendor, or a third-party servicer with questions about title IV, HEA
program funds;
(4) To assist an institution of higher education with student loan
default prevention;
(5) To reconcile an institution of higher education's cash
drawdowns from the U.S. Department of the Treasury with its reported
disbursements and to ensure that the institution of higher education
receives the appropriate amount of funds during the respective time
period;
(6) To collect Campus-Based expenditure information for the
previous award year and the ability to apply for Campus-Based program
funds using the FISAP;
(7) To enable an institution of higher education to report an aid
recipient's receipt of a FSEOG or earnings under the FWS program, which
will be used in the SAI calculation and to assist with expenditure
reporting on the FISAP.
(8) To support the implementation of provisions authorizing
financial aid administrators to maintain records and set lower annual
loan limits for students or parent borrowers. This modification allows
the system to record and apply these reduced limits, ensuring they are
maintained and applied consistently to all students within a specific
program of study.
The information in this system is also maintained for the following
purposes relating to the Department's administration and oversight of
title IV, HEA programs:
(1) To support the investigation of possible fraud and abuse and to
detect and prevent fraud and abuse in title IV, HEA programs;
(2) To confirm that an institution of higher education, or a
program offered by an institution of higher education, is eligible to
receive title IV, HEA program funds, and to limit student aid
eligibility for ineligible institutions or programs accordingly;
(3) To set and adjust program funding authorization levels for each
institution;
(4) To enforce institutional compliance with Department reporting
deadlines;
(5) To apply appropriate title IV, HEA funding controls;
(6) To ensure that Federal, State, local, and Tribal statutory,
regulatory, contractual, and program requirements are met by
educational and financial institutions, and the Department's
contractors including Federal Loan Servicers and the Federal Perkins
Loan Servicer;
(7) 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 regarding title IV, HEA program funds;
(8) To provide reporting capabilities for educational institutions,
guaranty agencies, lenders, Department contractors including Federal
Loan Servicers, and the Federal Perkins Loan Servicer for use in title
IV, HEA administrative functions, and for use by the Department or
Federal, State, Tribal, or local agencies for oversight and compliance;
(9) To support research, analysis, and development, and the
implementation and evaluation of educational policies in relation to
title IV, HEA programs;
(10) To support the Department in detecting and mitigating improper
payments in title IV, HEA programs;
(11) To conduct testing, analysis, or take other administrative
actions needed to prepare for or execute programs under title IV of the
HEA; and
(12) To assist eligible lenders in processing IDR plan requests for
eligible aid recipients by providing the calculated monthly payment
amounts.
CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
This system contains records of aid applicants, aid applicants'
parents, spouses of aid applicants, and where applicable, endorsers,
who apply for title IV, HEA programs including, but not limited to,
the:
(1) Federal Pell Grant Program;
(2) Federal Perkins Loans Program;
(3) Academic Competitiveness Grant (ACG) Program;
(4) National Science and Mathematics Access to Retain Talent
(National SMART) Grant Program;
(5) TEACH Grant Program;
(6) Iraq and Afghanistan Service Grant (IASG) Program;
(7) Direct Loan Program, which includes Federal Direct Stafford/
Ford Loans, Federal Direct Unsubsidized Stafford/Ford Loans, Federal
Direct PLUS Loans, and Federal Direct Consolidation Loans;
(8) FFEL Program;
(9) Federal Insured Student Loan (FISL) Program;
(10) FWS Program; and
(11) FSEOG Program.
The COD System also contains records of aid recipients under title
IV of the HEA, parents of dependent aid applicants or recipients and
the spouse of independent applicant or recipient. The COD System also
maintains records on a PSLF qualifying employer's
[[Page 21476]]
authorizing official who has certified an aid recipient's employment.
CATEGORIES OF RECORDS IN THE SYSTEM:
Note: The Federal Tax Information (FTI) that the Department will
obtain directly from the Internal Revenue Service (IRS) under the
Fostering Undergraduate Talent by Unlocking Resources for Education
(FUTURE) Act will be maintained in a separate system of records, which
will be covered by a system of records notice entitled ``FUTURE Act
System (FAS)'' (18-11-23) that the Department will publish in the
Federal Register.
Records in the COD System include, but are not limited to, the
following data about aid applicants and recipients, endorsers, aid
applicants' and recipients' parents, and spouses of aid applicants and
recipients who are part of an aid applicant's title IV, HEA aid
application or receive title IV, HEA aid:
(1) Identifier information, including name, Social Security number
(SSN), date of birth (DOB), mailing address, email address, driver's
license number, and telephone number;
(2) Aid applicant and recipient demographic information, including
demographic information of the aid applicant's and recipient's
parent(s) and aid applicant's and recipient's spouse (if applicable),
incarcerated student indicator flag, expected student enrollment, list
of participating title IV, HEA institutions of higher education
designated by the aid applicant to receive the Free Application For
Federal Student Aid (FAFSA[supreg]) form data along with residency
plans, and the financial profile of an aid applicant, an aid
applicant's parent(s), or an aid applicant's spouse, as reported and
calculated through the FAFSA form, and to also include processing
flags, indicators, rejections, and overrides; and the consent/
affirmative approval to disclose personally identifiable information to
the IRS and to obtain FTI in order to determine eligibility for, or
repayment obligations under, IDR plans pursuant to subsection 494 (a)
of the HEA (20 U.S.C. 1098h(a));
(3) Aid recipient's loan information including information about
Direct Loans, FFEL program loans, Perkins loans, and FISL program
loans. This includes information about the period from the origination
of the loan through final payment, and milestones, including, but not
limited to: discharge, consolidation, or other final disposition
including details such as loan amount, date of disbursement,
disbursement amounts, balances, loan status, repayment plan and related
information, collections, claims, deferments, forbearances, refunds,
and guaranty agencies, lender(s), holder(s), and servicer(s) of an aid
recipient's FFEL program loan(s);
(4) Information about Federal grant aid recipients, including
recipients of Pell Grants, ACG, National SMART Grants, TEACH Grants,
Iraq and Afghanistan Service Grants, and FSEOGs, including grant
amounts, grant awards, verification status, lifetime eligibility used
(LEU), IASG eligible veteran's dependent indicator, Children of Fallen
Heroes Scholarship eligibility indicator, Pell Grant additional
eligibility indicator, approved Prison Education programs (PEPs)(the
FAFSA Simplification Act allows for expanding access to Federal Pell
Grants to include Federal and State penal facilities' approved PEPS;
and information about the FWS program, including the amount of FWS
earnings and category/type of FWS employment;
(5) Pell Grant collection status indicator and overpayment
collection information;
(6) Promissory notes including promissory note identification
numbers, loan type, current servicer, principal balance, and the
accrued interest for Direct Loans, Federal Direct PLUS Loans, or
Department-held FFEL program loans;
(7) TEACH Agreements to Serve;
(8) Direct Loan Entrance Counseling forms, Federal Student Loan
Exit Counseling forms, Federal Direct PLUS Loan Counseling forms, the
Annual School Loan Acknowledgement (ASLA), Federal Direct PLUS Loan
Requests, endorser addendums, and counseling in the Direct Loan and
TEACH Grant programs, such as the date that the aid applicant completed
counseling;
(9) Credit report information for Federal Direct PLUS Loan
applicants, recipients, and endorsers and if applicable, documents
related to a Federal Direct PLUS Loan applicant's request for a credit
appeal including credit check details, adverse credit history, credit
bureau information, and applicant provided appeal support documentation
and the Department's appeal decision, including the records for
``legacy'' borrowers, defined as those who are enrolled in a program of
study at an institution as of June 30, 2026 and have borrowed (or
parent of a dependent undergraduate student has borrowed) a Direct Loan
for such program of study prior to July 1, 2026 during the expected
time to credential. This process ensures continued eligibility under
pre-2026 provisions for the lesser of a transitional period not to
exceed three academic years or the difference between the published
program length minus the period the student has already completed in
the program of study. The legacy provision no longer applies if the
student completes the program of study, ceases enrollment in such
program of study unless the student has taken an approved leave of
absence, or ceases enrollment at the institution the student was
enrolled at as of June 30, 2026. A change in an undergraduate student's
major does not affect this legacy provision; including revised
aggregate loan limit data (both historical and current borrowing totals
to enforce specific caps) and institutional discretionary limit records
via documentation of lower annual loan limits set by financial aid
administrators, including program-level identifiers to verify
consistent application across a specific program of study.
(10) Aid applicant, endorser, or spouse identifier information for
a paper or electronic request to repay or annual recertification of an
Direct Loan or Department-held Perkins or FFEL loans or annual
recertification of eligibility for, an IDR plan, such as SSN; the date
that the IDR plan application was completed; ADOI; IDR monthly payment
amount based on the plan selection (as applicable); and current loan
balances;
(11) Electronic Direct Consolidation Loan or Special Direct
Consolidation Loan aid recipient identifier information, such as the
aid recipient's SSN, the date that the aid recipient completed the
Federal Direct Consolidation Loan application and promissory note, and
current loan balances;
(12) Information concerning the date of any default on a loan;
(13) Demographic and contact information for aid recipient accounts
that the Department places with the Federal Loan Servicer(s) for
collection of the aid recipient's title IV, HEA loans;
(14) Information obtained pursuant to matching programs or other
information exchanges with Federal and State agencies, and other
external entities, to assist in identifying aid recipients who may be
eligible for benefits related to their title IV, HEA loans or other
title IV, HEA obligations, including, but not limited to, Total and
Permanent Disability discharges, loan deferments, interest rate
reductions, PSLF, and other Federal and State loan repayment, discharge
benefits, or for the purpose of recouping payments or delinquent debts
under title IV, HEA programs;
(15) Information provided and generated through customer
interactions with contact center support via inbound
[[Page 21477]]
and outbound channels (phone, chat, webform, email, customer
satisfaction survey, fax, physical mail, and digital engagement
platforms). Information includes, but is not limited to: chat
transcripts, email communications, audio recordings of customer calls,
and screen recordings of contact center desktop support during customer
interactions; and
(16) Borrower defense (BD) information including a uniquely
generated internal system case ID, a uniquely generated BD case number
for Department, educational institution and student tracking, Office of
Postsecondary Education Identification Number (OPEID), and the
applicable regulatory year and provisions (i.e., 1995, 2016, or 2020)
under which the BD case is being processed.
The system also contains the following data about students provided
by institutions of higher education that participate in an experiment
under the Experimental Sites Initiative: award year, experiment number,
OPEID, student SSN, student last name, and any data collection
instrument elements authorized under the Information Collection Request
associated with each experiment.
The system also contains records from 2014-2021 on the level of
study, Classification of Instructional Program code (field of study),
and published length of an educational program in which a student
receiving title IV, HEA Federal student aid was enrolled to limit their
eligibility for Direct Subsidized Loans to no more than 150 percent of
the published length of the educational program in which the student
was enrolled, and to determine when an aid recipient who enrolled after
reaching the 150 percent limit would have been responsible for the
accruing interest on outstanding Direct Subsidized Loans.
The system also contains an aid recipient's PSLF qualifying
employer's information including, but not limited to, authorizing
official's name, title, phone number, email address, and digital
signature (including time and date stamp).
Finally, the system maintains cohort default rates (CDRs)
calculated by the National Student Loan Data System (NSLDS) from
guaranty agency-reported and Federal Loan Servicer-reported data at the
institution level.
RECORD SOURCE CATEGORIES:
This system includes records obtained from aid applicants and
recipients, aid applicants' and recipients' parents, and spouses of aid
applicants and recipients who are part of an applicant's or recipient's
title IV, HEA aid application, or who have received title IV, HEA
program assistance. These records include information provided by
applicants for and recipients of title IV, HEA program assistance, via,
for example, Federal Direct Consolidation Loan or Special Direct Loan
Consolidation application forms and promissory notes, the parents of
dependent aid applicants and recipients, and the spouses of aid
applicants and recipients who request to repay a Direct Loan, or
recertifies their eligibility for, an IDR plan. This system also
includes Federal grant and Direct Loan origination and disbursement
records provided to the Department by institutions of higher education
or their agents. The system also receives completion information for
Direct Loan and TEACH Grant program counseling through <a href="http://Studentaid.gov">Studentaid.gov</a>
(the student-facing portion of the website) or from institutions of
higher education, or both.
The system also receives information on Federal Direct PLUS Loan
applicants, recipients, and endorsers from consumer reporting agencies.
Information is also obtained from other Federal, State, Tribal, and
local agencies, guaranty agencies, consumer reporting agencies,
educational institutions, financial institutions, servicers.
Information is also obtained about a PSLF qualifying employer
through DocuSign (a secure digital software used by the Department to
obtain and document digital signatures). The process through which the
Department obtains the information using DocuSign is as follows:
(1) The aid recipient completes the PSLF application via the
``Helptool,'' which includes the employer's name and email address;
(2) The Department sends the information to DocuSign; and DocuSign
sends an email to the employer, which includes a randomly generated
code;
(3) If the employer does not opt out, the employer logs in to
DocuSign with the randomly generated code to ensure the employer is
accessing the correct recipient certification in DocuSign;
(4) The employer certifies the aid recipient's employment, provides
the employer's authorizing official's name, title, email address, and
phone number, and electronically signs the PSLF certification; and
DocuSign returns to the Department the PSLF qualifying employer's
information.
Information is also obtained from other Department systems,
including the following systems, or their successor systems:
(1) The Federal Student Aid Partner Connect (FSA Partner Connect)
(covered by the Department's Privacy Act system of records notice
entitled ``Federal Student Aid Partner Connect'' (18-11-24);
(2) The National Student Loan Data System (NSLDS) (covered by the
Department's Privacy Act system of records notice entitled ``National
Student Loan Data System'' (18-11- 06));
(3) The Financial Management System (FMS) (covered by the
Department's Privacy Act system of records notice entitled ``Financial
Management System (FMS)'' (18-11-17));
(4) The Common Services for Borrowers (CSB) system (covered by the
Department's Privacy Act system of records notice entitled ``Common
Services for Borrowers (CSB)'' (18- 11-16);
(5) The Federal Tax Information Module (FTIM) (covered by the
Department's Privacy Act system of records notice entitled ``FUTURE Act
System (FAS)'' (18-11-23));
(6) The Person Authentication Service (PAS) (covered by the
Department's Privacy Act system of records notice entitled ``Person
Authentication Service (PAS)'' (18-11-12)); and
(7) The FAFSA Processing System (covered by the Department's
Privacy Act system of records notice entitled ``Aid Awareness and
Application Processing (AAAP'') (18-11-21)).
The system may also obtain information from other persons or
entities from which data is obtained following a disclosure under the
routine uses set forth below.
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 record was collected. The
Department may make these disclosures on a case-by-case basis or, if
the Department has complied with the computer matching requirements of
the Privacy Act, under a computer matching agreement.
(1) Program Disclosures. The Department may disclose records from
the system of records for the following program purposes:
(a) To assist with the determination of program eligibility and
benefits, the Department may disclose records to institutions of higher
education, financial institutions, third-party
[[Page 21478]]
servicers, and Federal, State, Tribal, or local agencies;
(b) To maintain data that supports the existence of a legal
obligation to repay funds disbursed under title IV, HEA programs,
including documentation such as promissory notes and other agreements,
the Department may disclose records to institutions of higher
education, third-party servicers, and Federal agencies;
(c) To identify whether an aid recipient may have received title
IV, HEA program funds at more than one institution of higher education
for the same enrollment period in violation of title IV, HEA
regulations, the Department may disclose records to institutions of
higher education, third-party servicers, and Federal, State, or local
agencies;
(d) To identify whether an aid recipient may have exceeded the
award limits under title IV, HEA program funds in violation of title
IV, HEA regulations, the Department may disclose records to
institutions of higher education, third-party servicers, and Federal
agencies;
(e) To enable institutions of higher education to reconcile, on an
aggregate and recipient-level basis, the amount of title IV, HEA
program funds that an institution received with the disbursements it
made to, or on behalf of, eligible students (including reconciling
verification codes, reconciling the funds received with disbursements
made by type of funds received, and making necessary corrections and
adjustments), the Department may disclose records to institutions of
higher education, third-party servicers, and Federal, State, or local
agencies;
(f) To enable an institution of higher education to request online
credit checks of aid applicants, aid recipients, or endorsers as part
of the process for determining the eligibility of aid applicants and
recipients for a title IV, HEA Federal Direct PLUS Loan, disclosures
may be made to institutions of higher education, third-party servicers,
consumer reporting agencies, and Federal agencies;
(g) To assist individuals, institutions of higher education, third-
party servicers, or software vendors with questions about title IV, HEA
program funds, disclosures may be made to institutions of higher
education, software vendors, third-party servicers, and Federal, State,
or local agencies;
(h) To support the investigation of possible fraud and abuse and to
detect and prevent fraud and abuse in title IV, HEA program funds,
disclosures may be made to institutions of higher education, third-
party servicers, and Federal, State, local, or Tribal agencies;
(i) To assist institutions of higher education with student loan
default prevention, disclosures may be made to institutions of higher
education as to whether an aid applicant or recipient has completed
required counseling in the Direct Loan or TEACH Grant programs;
(j) To assist the Department in determining eligibility for a
Federal Direct PLUS Loan, disclosures may be made to consumer reporting
agencies;
(k) 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 loans and grants made
under title IV of the HEA, 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;
(l) To assist an eligible lender in processing an aid recipient's
IDR plan, the Department may disclose records, including, but not
limited to, the calculated monthly payment amount based on the IDR plan
selected and ADOIs, to eligible lenders.
(2) 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.
(3) Enforcement Disclosure. If information in this system of
records indicates, either on its face or in connection with other
information, a violation or potential violation of any applicable
statute, regulation, or order of a competent authority, the Department
may disclose the relevant records to the appropriate agency, whether
foreign, Federal, State, Tribal, or local, charged with investigating
or prosecuting that violation or charged with enforcing or implementing
the statute, regulation, or order issued pursuant thereto.
(4) Litigation and Alternative Dispute Resolution (ADR) Disclosure.
(a) Introduction. In the event that one of the following parties
listed in sub-paragraphs (i) through (v) is involved in judicial or
administrative litigation or ADR, or has an interest in judicial or
administrative litigation or ADR, the Department may disclose certain
records from this system of 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 if
the U.S. Department of Justice (DOJ) has been requested to or has
agreed to provide or arrange for representation of the employee;
(iv) Any Department employee in his or her individual capacity when
the Department has agreed to represent the employee; and
(v) The United States when the Department determines that the
litigation is likely to affect the Department or any of its components.
(b) Disclosure to DOJ. If the Department determines that disclosure
of certain records to DOJ is relevant and necessary to judicial or
administrative litigation or ADR, the Department may disclose those
records as a routine use to DOJ.
(c) Adjudicative Disclosure. If the Department determines that it
is relevant and necessary to judicial or administrative litigation or
ADR to disclose certain records from this system of records to an
adjudicative body before which the Department is authorized to appear
or to a person or an entity designated by the Department or otherwise
empowered to resolve or mediate disputes, the Department may disclose
those records as a routine use to the adjudicative body, person, or
entity.
(d) Disclosure to 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
judicial or administrative litigation or ADR, the Department may
disclose those records
[[Page 21479]]
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
information from this system of records to a Federal, State, or local
agency, or to another public authority or professional organization,
maintaining civil, criminal, or other relevant enforcement or other
pertinent records, 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, Professional Organizations, or the Department's
Contractors. The Department may disclose records to a Federal, State,
local, or other public agency or an agent or contractor of such a
public agency, professional organization, or the Department's
contractor 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 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 a grievance, complaint, or
disciplinary proceeding involving a present or former employee of the
Department, the Department may disclose the record in the course of
investigation, fact-finding, or adjudication to any party to the
grievance, complaint, or action; to the party's counsel or
representative; to a witness; or to a designated fact-finder, mediator,
or other person designated to resolve issues or decide the matter. The
disclosure may only be made during the course of investigation, fact-
finding, or adjudication.
(7) Labor Organization Disclosure. The Department may disclose a
record 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 the
Office of Management and Budget (OMB) if the Department concludes 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
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) Contract Disclosure. If the Department contracts with an
entity to perform any function that requires disclosure of records in
this system to employees of the contractor, the Department may disclose
the records to those employees. As part of such a contract, the
Department shall require the contractor to agree to establish and
maintain safeguards to protect the security and confidentiality of the
disclosed records.
(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 the 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) Disclosure to OMB and the Congressional Budget Office (CBO)
for Federal Credit Reform Act (CRA) Support. The Department may
disclose records to OMB and CBO as necessary to fulfill CRA
requirements in accordance with 2 U.S.C. 661b.
(13) 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 or to prevent, minimize,
or remedy such harm.
(14) 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.
(15) Disclosure to the 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 the authority of 44 U.S.C. 2904 and 2906.
DISCLOSURE TO CONSUMER REPORTING AGENCIES:
Disclosures pursuant to 5 U.S.C. 552a(b)(12): The Department may
disclose to a consumer reporting agency the following information
regarding a valid, overdue claim of the Department:
(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
section 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 at 15 U.S.C. 1681a(f) and 31 U.S.C. 3701(a)(3).
POLICIES AND PRACTICES FOR STORAGE OF RECORDS:
The Department electronically maintains, for the entire Federal
Student Aid lifecycle from application through loan payoff, student and
applicant demographic, and title IV, HEA aid data such as, but not
limited to, FFEL program, FISL program, and Perkins loan records, on
hard disk at the AWS Government Cloud in Seattle, Washington. The
Department maintains electronic master promissory notes, electronic
Special Direct Consolidation Loan opportunity applications and
promissory notes, paper or electronic requests to repay or a
recertification a
[[Page 21480]]
Direct Loan or Department-held Perkins or FFEL under an IDR plan, and
Federal Direct Consolidation Loan applications, ADOIs, and promissory
notes on hard disk at the AWS Government Cloud in Seattle, Washington.
Paper Direct Loan promissory notes and endorser addendums are
maintained in locked vaults in ASM Research in Niagara Falls, New York,
and at the NARA operated Atlanta Federal Records Center near Atlanta,
Georgia. Data obtained from the paper promissory notes are maintained
on hard disks at the AWS Government Cloud in Seattle, Washington. This
data is referred to as metadata and is used by the system to link
promissory notes to aid recipient data. The Department also creates and
maintains electronic images of the paper promissory notes at the ASM
Research facility in Niagara Falls, New York. For information on the
maintenance of other documents, see the section entitled ``SYSTEM
LOCATION.''
POLICIES AND PRACTICES FOR RETRIEVAL OF RECORDS:
Records in the COD System are retrieved by the individual's SSN or
name, BD case number, or by the institution's OPEID.
POLICIES AND PRACTICES FOR RETENTION AND DISPOSAL OF RECORDS:
All records are retained and disposed of in accordance with
Department Records Schedule 072: FSA Application, Origination, and
Disbursement Records (DAA-0441-2013-0002) (ED 072). ED 072 is being
amended, pending approval by NARA. Records will not be destroyed until
NARA-approved amendments to ED 072 are in effect, as applicable.
ADMINISTRATIVE, TECHNICAL, AND PHYSICAL SAFEGUARDS:
Physical access to the sites of the Department's contractors, where
this system of records is maintained, is controlled and monitored by
security personnel who check each individual entering the buildings for
their 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 and Department personnel who have
facility access and system access must undergo a security clearance
investigation. Individuals requiring access to Privacy Act data 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 undergoing 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 data.
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 unique user identification. The Department's FSA Information
Security and Privacy Policy requires the enforcement of a complex
password policy. In addition to the enforcement of the complex password
policy, users are required to change their password at least every 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.
Security and privacy controls implemented are comprised of a
combination of management, operational, and technical controls, and
include the following control families: access control, awareness and
training, audit and accountability, security assessment and
authorization, configuration management, contingency planning,
identification and authentication, incident response, maintenance,
media protection, physical and environmental protection, planning,
personnel security, privacy, risk assessment, system and services
acquisition, system and communications protection, system and
information integrity, and program management.
RECORD ACCESS PROCEDURES:
If you wish to gain access to a record in this system, contact the
system manager at the address listed above. You must provide necessary
particulars of your name, DOB, SSN, and any other identifying
information requested by the Department while processing the request to
distinguish between individuals with the same name.
Requests by an individual for access to a record must meet the
requirements in 34 CFR 5b.5.
CONTESTING RECORD PROCEDURES:
If you wish to contest the content of your personal record within
the system of records, contact the system manager at the address listed
above and provide your name, DOB, 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 in 34 CFR
5b.7.
NOTIFICATION PROCEDURES:
If you wish to determine whether a record exists regarding you in
the system of records, contact the system manager at the address listed
above. You must provide necessary particulars such as your name, DOB,
SSN, and any other identifying information requested by the Department
while processing the request to distinguish between individuals with
the same name. Requests must meet the requirements in 34 CFR 5b.5.
EXEMPTIONS PROMULGATED FOR THE SYSTEM:
None.
HISTORY:
The system of records entitled ``Common Origination and
Disbursement (COD) System'' (18-11-02) was last modified and published
in full in the Federal Register on June 28, 2023 (88 FR 41942-41951).
[FR Doc. 2026-07827 Filed 4-21-26; 8:45 am]
BILLING CODE 4000-01-P
</pre><script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script></body>
</html>Indexed from Federal Register on April 22, 2026.
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.