Implementation of The Privacy Act of 1974, as Amended; Amendment to Existing Systems of Records, Computerized Homes Underwriting Management…
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Implementation of The Privacy Act of 1974, as Amended; Amendment to Existing Systems of Records, Computerized Homes Underwriting Management System--Development of New System of Records, Loan Application Management System
Amendment/New Systems of Records.
Citation: "79 FR 62656"
Document Number: "Docket No. FR-5763-N-10"
Page Number: "62656"
"Notices"
SUMMARY: HUD is amending the Computerized Homes Underwriting Management System (CHUMS) to reflect changes to the following sections, which involve lenders and program administrators of Federal Housing Administrations (FHA) Mortgage Insurance Programs: first time homebuyers, Home Equity Conversion Mortgages for home owners, 203(k) for the rehabilitation of existing properties, Veteran Affairs certified FHA loans, and other FHA mortgage insurance programs. The changes to the amended system of records are to the "Purposes" and "Routine Uses of Records Maintained in the System" captions. Additionally, HUD proposes to provide notice of a new system, the Loan Application Management System (LAMS), which is expected to replace CHUMS. Both proposals reflect the present status of the information contained in the systems and new data sharing practices, as well as enhancements to improve program services. The existing scope, objectives, and business processes in place for this program remain unchanged. A more detailed description of the present system is contained in notice "Purpose" caption. This notice supersedes the previous notice published in the
DATES: Effective Date: The proposed modification will be effective immediately, with the exception of the Department's proposal to create a new system and revise its routine uses, which will become effective 30 days after publication of this notice, on
Comments Due Date:
ADDRESSES: Interested persons are invited to submit comments regarding this notice to the Rules Docket Clerk,
FOR FURTHER INFORMATION CONTACT:
SUPPLEMENTARY INFORMATION: This system of records is maintained by
This publication does meet the threshold requirements for a new and amended system and a report was submitted to the
Authority: 5 U.S.C. 552a; 88 Stat. 1896; 42 U.S.C. 3535(d).
Dated:
Chief Information Officer.
SYSTEM OF RECORDS NO.:
HSNG.SF/HUP.02.
SYSTEM NAME:
Computerized Homes Underwriting Management System (CHUMS)-F-17/Loan Application Management System (LAMS)--P292.
The HUD Data Center which houses CHUMS and LAMS is located at the
FOOTNOTE 1 http://portal.hud.gov/hudportal/documents/huddoc?id=append2.pdf END FOOTNOTE
CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM:
Individuals who have obtained a mortgage insured under HUD/FHA's single family mortgage insurance programs and individuals who unsuccessfully applied for mortgage insured by FHA. Also, individuals involved in the HUD/FHA single-family underwriting process (builders, appraisers, inspectors, mortgagee staff underwriters) and HUD employees involved in the single family underwriting process (e.g., appraisers, mortgage credit examiners, architectural employees, receiving clerks, assignment clerks, commitment clerks, records clerks, and closing clerks).
CATEGORIES OF RECORDS IN THE SYSTEM:
Automated files contain the following categories of records:
Mortgagors (Borrowers): name, address, social security number or other identification number, racial/ethnic background (if disclosed), and details about the mortgage loan, including loan application documentation. This information is supplied by lenders during the mortgage application and underwriting process.
Builders, Appraisers and Inspectors: name, address, social security number or other identification number, territory, workload, and minority data including racial/ethnic background, Minority Business Enterprise (MBE) Code, and sex, for statistical tracking purposes.
Mortgagee (Lender) Staff Appraisers and Underwriters: social security number or other identification number, territory and workload of the individuals.
HUD Employees: name and social security number or other identifying number of employees involved in the single family underwriting process. This includes, but is not limited to: Homeownership Center managers, staff appraisers, architectural employees, receiving clerks, assignment clerks, commitment clerks, records clerks, and closing clerks.
Note: Certain records contained in this system which pertain to individuals contain principally proprietary information concerning sole proprietorships may also reflect personal information, however, only the records reflecting personal information are subject to the Privacy Act.
AUTHORITY FOR MAINTENANCE OF THE SYSTEM:
Section 203, National Housing Act, Public Law 73-479. The information collection enables HUD/FHA to process applications for HUD mortgage insurance and respond to inquiries regarding applications and insured mortgages; 42 U.S.C. 3543--Sec. 3543. Social Security Numbers are collected to prevent fraud and abuse in
PURPOSE(S):
The Fair Housing Administration (FHA) Office of
The new LAMS tool is being created to become the eventual replacement system for CHUMS. The existing functionality in CHUMS will be moved into LAMS in stages over the next five years. In its initial release, LAMS will enable HUD to start collecting case binder data into an industry-wide electronic format that is acceptable to the mortgage industry (
ROUTINE USES OF RECORDS MAINTAINED IN THE SYSTEM, INCLUDING CATEGORIES OF USERS AND THE PURPOSES OF SUCH USES.
In addition to those disclosures generally permitted under 5 U.S.C. 552a(b) of the Privacy Act other routine uses include:
1. To other agencies; such as the Departments of Agriculture, Education and
2. To the
3. To the
4. To the General Accounting Office (GAO) for audit purposes.
5. To Financial institutions, computer software companies and other federal agencies (including the Federal Reserve) for automated underwriting, credit scoring and other risk management evaluation studies.
6. To other federal agencies (including the Federal Reserve) for purposes of statistical research not involving personally identifiable information, to evaluate program effectiveness in meeting the
7. To the
8. To contractors, grantees, experts, consultants, and the agents of thereof, and others performing or working on a contract, service, grant, cooperative agreement with HUD, when necessary to accomplish an agency function related to these system of records, limited to only those data elements considered relevant to accomplishing an agency function. Individuals provided information under this routine use is subject to the same Privacy Act requirements and limitations on disclosure as are applicable to HUD officers and employees.
9. To contractors, experts, consultants with whom HUD has a contract, service agreement or other assignment of the Department, when necessary to utilize relevant data for purposes of testing new technology and systems designed to enhance program operations and performance.
See also on HUD's privacy Web site, Appendix 1 /2/ for discretionary routine uses that may in certain cases be applicable to CHUMS and LAMS.
FOOTNOTE 2 http://portal.hud.gov/hudportal/documents/huddoc?id=append1.pdf END FOOTNOTE
POLICIES AND PRACTICES FOR STORING, RETRIEVING, ACCESSING, RETAINING, AND DISPOSING OF RECORDS IN THE SYSTEM:
STORAGE:
Records are stored on magnetic disc/drum. There are no paper records maintained by this system.
RETRIEVABILITY:
Records are retrieved by case number, name, Social Security Number or other identification number.
SAFEGUARDS:
Electronic records are maintained in secured areas, and access is limited to authorized personnel. No paper records are maintained that require safeguarding.
RETENTION AND DISPOSAL:
Data is retained online for 13 months after the date of endorsement, or 13-18 months for non-endorsed cases, and then archived. The archived data can be retrieved upon request. In archive data, CHUMS and LAMS retain case data indefinitely. The Records Retention Schedule for CHUMS/F17 and LAMS/292 are listed in the HUD Records Disposition Schedules Handbook (2225.6) Appendix A--Single Family Home Mortgage Insurance Program Records.
SYSTEM MANAGER(S) AND ADDRESS:
Director,
NOTIFICATION AND RECORD ACCESS PROCEDURES:
For information, assistance, or inquiries about the existence of records, contact the Chief Privacy Officer,
CONTESTING RECORD PROCEDURES:
The Department's rules for contesting contents of records and appealing initial denials appear in 24 CFR part 16. Additional assistance may be obtained by contacting:
RECORD SOURCE CATEGORIES:
Mortgagors, appraisers, inspectors, builders, mortgagee staff appraisers, mortgagee staff underwriters, and HUD employees are the sources of data stored in the systems.
SYSTEMS EXEMPTED FROM CERTAIN PROVISIONS OF THE ACT:
None.
[FR Doc. 2014-24861 Filed 10-17-14;
BILLING CODE 4210-67-P
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Implementation of the Privacy Act of 1974, as Amended; Modification to, Deletion of, and Creation of New System of Records–HUD Enforcement…
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