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Privacy Act of 1974; Revised System of Records-National Mortgage Database Project

Open Date:
Open for comment 8/28/2015
All comments are due by 10/27/2015
Privacy Act System of Records Notice
Homeowners-Homebuyers; Mortgage; National Mortgage Database; Supervision and Regulation; Mortgage Research
Fannie Mae; Freddie Mac; Other
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FOR FURTHER INFORMATION CONTACT:  Forrest Pafenberg, Program Manager, National Mortgage Database Project, Forrest.Pafenberg@fhfa.gov or (202) 649–3129; Stacy Easter, Privacy Act Officer, privacy@fhfa.gov or (202) 649– 3803; or David A. Lee, Senior Agency Official for Privacy, privacy@fhfa.gov or (202) 649–3803 (not toll-free numbers), Federal Housing Finance Agency, Eighth Floor, 400 Seventh Street SW., Washington, DC 20024.  If you are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services. Additionally, the TDD 1-(800) number referenced in Rulemaking documents attached to this page is obsolete and the 7-1-1 number should be used.

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SUMMARY:  In accordance with the requirements of the Privacy Act of 1974, as amended, 5 U.S.C. 552a (Privacy Act), the Federal Housing Finance Agency (FHFA) is reissuing the system of records entitled ‘‘National Mortgage Database Project’’ (FHFA–21).  FHFA is re-issuing this notice in response to comments received on the Notice published on April 16, 2014 at 79 FR 21458.  In reissuing this notice, FHFA requests further comments on the below revisions to the existing system of records.

This revised system of records covers the National Mortgage Database Project (‘‘Project’’), which is comprised of three components: (1) The National Mortgage Database (‘‘NMDB’’); (2) the information used to create the NMDB but will not be contained within the NMDB; and (3) National Surveys of Mortgage Borrowers (‘‘Surveys’’). The Project is designed to satisfy the Congressionally-mandated requirements of section 1324(c) of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008.  Under this statutory provision, FHFA must, through surveys of the mortgage market, collect information on the characteristics of individual mortgages, including those that are eligible for purchase by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) as well as those that are not, and subprime and nontraditional mortgages, including information on the creditworthiness of those borrowers sufficient to determine whether they would have qualified for prime lending.

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Privacy Act Notice

This notice is provided pursuant to the Privacy Act of 1974 (Privacy Act), as amended, 5 U.S.C. 552a. The collection of information is to process and/or respond to your complaint, appeal, inquiry, request for information, to review and post comments on proposed rules/regulations, to review feedback received on FHFA proposed or implemented initiatives, and to compile a list of potential vendors and contractors. The records are used in accordance with Systems of Records Notices (SORN), FHFA-3 Correspondence Tracking System, FHFA-20 Telecommunications System, and FHFA-22 Online Forms. You can view these SORNs by clicking here and here and here . Although providing this information is voluntary, failure to provide the requested information may result in your complaint, appeal, inquiry, request, comment, or feedback not being processed and may make it more difficult for FHFA to respond to you.

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