Dodd-Frank Supervisory Coordination By Financial Institution Asset Size

Kyle Broderick filed this request with the Consumer Financial Protection Bureau of the United States of America.
Tracking # CFPB-2015-096-F
Est. Completion None
Status
Fix Required

Communications

From: Taylor Amarel

To Whom It May Concern:

This is a request under the Freedom of Information Act. I hereby request the following records:

Copies of know to exist documents, relating to the implementation of Supervisory Coordination as described in the following document:

http://files.consumerfinance.gov/f/201206_CFPB_MOU_Supervisory_Coordination.pdf

In more detail I am requesting the following information:
1.) The document referred to as the “CFPB Matrix” which includes a list of financial institutions as well as information regarding the appropriate handling of complaints.
2.) The name(s) and title(s) of the person(s) responsible for implementing the Supervisory Coordination as detailed within the above referenced Memorandum Of Understanding.
3.) Emails regarding the appropriate implementation of Supervisory Coordination as detailed within the above referenced document. Priority should be given to emails from the person responsible for implementing the Supervisory Coordination as detailed within the above referenced Memorandum Of Understanding. This should include correspondence between managers and employees.
4.) All and any documents or correspondence detailing how financial institutions with greater than 10 Billion in assets will be on-boarded to the Consumer Financial Protection Bureau's regulatory system.
5.) Public / non-confidential email correspondence from the Consumer Financial Protection Bureau's Office of The Ombudsman, in specific regards to the Consumer Financial Protection Bureau's failure to onboard specific banks with assets greater than 10 Billion.

I also request that, if appropriate, fees be waived as I believe this request is in the public interest. The requested documents will be made available to the general public free of charge as part of the public information service at MuckRock.com, processed by a representative of the news media/press and is made in the process of news gathering and not for commercial usage.

In the event that fees cannot be waived, I would be grateful if you would inform me of the total charges in advance of fulfilling my request. I would prefer the request filled electronically, by e-mail attachment if available or CD-ROM if not.

Thank you in advance for your anticipated cooperation in this matter. I look forward to receiving your response to this request within 20 business days, as the statute requires.

Sincerely,

Taylor Amarel

From: Michalosky, Martin (CFPB)

Dear Mr. Amarel,

Attached to this email is our final response to your FOIA request dated February 2, 2015 to the Consumer Financial Protection Bureau (CFPB).

If you have any questions or concerns, please do not hesitate to contact the CFPB FOIA Team at 1-855-444-FOIA (3642) or FOIA@cfpb.gov.

Thank you.

Martin Michalosky
FOIA Manager

From: Taylor Amarel

To whom this may concern,

I have reviewed the CFPB’s response to my request and am decided unhappy and surprised by the CFPB’s irreverent determination that “items 2-5 are too broad in scope or did not specifically identify the records in which you are seeking”, when indeed that my request were more than sufficient for any knowledged CFPB person to locate, search, and find the appropriate records. Specifically, in more detail, I am requesting that the CFPB review requests 2 to 5 in light of the additional information which I am reluctantly provided to comply with the alleged statement that “items 2-5 are too broad in scope or did not specifically identify the records in which you are seeking.”

2.) The name(s) and title(s) of the person(s) responsible for implementing the Supervisory Coordination as detailed within the above referenced Memorandum Of Understanding.

In more detail, the CFPB has an organization, authority, and responsibility chart located at http://www.consumerfinance.gov/the-bureau/ that shows the CFPB’s structure. In this structure, it show Richard Cordray as the Director of the CFPB. Indeed, Richard Cordray’s signature is on the MOU located at http://files.consumerfinance.gov/f/201206_CFPB_MOU_Supervisory_Coordination.pdf, which has the purpose of delegating authority and it at the core of this request.

Assuming Richard Cordray held responsibility in signing the MOU as evident by his signature, dated 5/3/2012, I would like to re-iterate my request for information relating to the “The name(s) and title(s) of the person(s) responsible for implementing the Supervisory Coordination as detailed within the above referenced Memorandum Of Understanding.”

If Richard Cordray is ultimately responsible for this implementation, how he delegated the implementation to any person? Which ‘branch’ or ‘department’ located within the CFPB’s organization chart ( http://www.consumerfinance.gov/the-bureau/ ) is responsible for this implementation?

In order to answer these questions, I kindly request that the CFPB conduct the following actions and produce any responsive documents that result from the following:
Conduct a search of the CFPB’s emails systems within the CFPB from 01/01/2012 to 01/01/2013 searching for the following key words, specifically from email threads involving Richard Cordray:
“MOU”
“Thomas J. Curry”
“Memorandum of Understanding on Supervisory Coordination”
A general search of all of the CFPB’s manuals for employees or staff that include the following text:
“Memorandum of Understanding on Supervisory Coordination”

3.) Emails regarding the appropriate implementation of Supervisory Coordination as detailed within the above referenced document. Priority should be given to emails from the person responsible for implementing the Supervisory Coordination as detailed within the above referenced Memorandum Of Understanding. This should include correspondence between managers and employees.

Incorporating the above, I wish to request that the CFPB conduct a search and provide all of the following documents:
All emails between Richard Cordray of the CFPB and Thomas J. Curry of the OCC relating to the Memorandum of Understanding on Supervisory Coordination
All emails between Richard Cordray of the CFPB and Debbie Matz of National Credit Union Administration relating to the Memorandum of Understanding on Supervisory Coordination
All emails between Richard Cordray of the CFPB and Matrin J. Gruenberg of Federal Despoit Insurance Corporation relating to the Memorandum of Understanding on Supervisory Coordination
All emails between Richard Cordray of the CFPB and Elizabeth A. Duke Of Board Of Government Of The Federal Reserve System relating to the Memorandum of Understanding on Supervisory Coordination

4.) All and any documents or correspondence detailing how financial institutions with greater than 10 Billion in assets will be on-boarded to the Consumer Financial Protection Bureau's regulatory system.

In reference to the above, as well as in reference to the Memorandum of Understanding on Supervisory Coordination: considering that the CFPB is a signatory to the Memorandum of Understanding on Supervisory Coordination it would only make sense that the CFPB had an internal place, internal policies, internal instruction, or internal emails on how to implement the statements within the Memorandum of Understanding on Supervisory Coordination. I am requesting any internal documents that reference the Memorandum of Understanding on Supervisory Coordination, specifically in the realm of documents for employees, training for employees and legal authority.

Furthermore, I am requesting copies of the documentation, information, and system for onboarding new financial institutions that may be below 10 Billion in assets or above 10 Billion in assets.

Additionally, I am requesting records, if available of the CFPB’s regulatory authority. Indeed, the CFPB as a regulator must have a list of banks or manual to determine if the CFPB has regulatory authority over certain banks or financial companies. It is known that the CFPB has internal interpretations of the statutory guidelines given in the Dodd-Frank act, I am requesting these internal documents that serve as reference for employees, lawyers, or other staff in determining regulatory jurisdiction.

Finally, I am requesting a list of any third party contractors, firms, or other non-employee staff such as lawyers who have make determinations on the CFPB’s authority.

5.) Public / non-confidential email correspondence from the Consumer Financial Protection Bureau's Office of The Ombudsman, in specific regards to the Consumer Financial Protection Bureau's failure to onboard specific banks with assets greater than 10 Billion.

In reference to the above, I am requesting disclosure of emails between tsa256@gmail.com, taylor.amarel@gmail.com, and CFPB_Ombudsman@cfpb.gov. As a priority, I would like a copy of an email sent from taylor.amarel@gmail.com to CFPBOmbudsman@cfpb.gov sent on or around 10/28/14 or 10/27/14 and titled: CFPB Appeal and Clarification Request.

From: CFPB

Mr. Amarel,
Please see attached.
Sincerely,
CFPB FOIA

  • Fee Estimate - Willingness to Pay and Advance Payment Template

From: Taylor Amarel

To whom this regards,

I respectfully dispute the CFPB's cost estimates as the CFPB did not respond within the 20 day time period as required by law and is thus statutorily barred from charging fees.

Pursuant to, 5 U.S. Code § 552 - Public information; agency rules, opinions, orders, records, and proceedings:
"(iii) Documents shall be furnished without any charge or at a charge reduced below the fees established under clause (ii) if disclosure of the information is in the public interest because it is likely to contribute significantly to public understanding of the operations or activities of the government and is not primarily in the commercial interest of the requester."
(viii) An agency shall not assess search fees (or in the case of a requester described under clause (ii)(II), duplication fees) under this subparagraph if the agency fails to comply with any time limit under paragraph (6), if no unusual or exceptional circumstances (as those terms are defined for purposes of paragraphs (6)(B) and (C), respectively) apply to the processing of the request.
(i) In order to carry out the provisions of this section, each agency shall promulgate regulations, pursuant to notice and receipt of public comment, specifying the schedule of fees applicable to the processing of requests under this section and establishing procedures and guidelines for determining when such fees should be waived or reduced. Such schedule shall conform to the guidelines which shall be promulgated, pursuant to notice and receipt of public comment, by the Director of the Office of Management and Budget and which shall provide for a uniform schedule of fees for all agencies. (ii) Such agency regulations shall provide that— (I) fees shall be limited to reasonable standard charges for document search, duplication, and review, when records are requested for commercial use; (II) fees shall be limited to reasonable standard charges for document duplication when records are not sought for commercial use and the request is made by an educational or noncommercial scientific institution, whose purpose is scholarly or scientific research; or a representative of the news media; and (III) for any request not described in (I) or (II), fees shall be limited to reasonable standard charges for document search and duplication.

In this situation, I kindly request that the CFPB provide the requested documents at zero cost in line with federal law. Absent such cooperation, I will appeal and submit a complaint to OGIS for processing.

Thank you.

From: Michalosky, Martin (CFPB)

Good afternoon Mr. Amarel,

Thank you for contacting the FOIA Office regarding your FOIA request, which I presume to be CFPB-2015-096-F. According to our records, as of today (3/17/15), our response is not overdue as it relates to the FOIA statute’s 20-day timeline. You request has previously been on hold because of clarification issues and is currently on hold for fee-related reasons. As stated in our March 9th letter, we estimated that the fee for processing your request is approximately $333.50. In accordance with our regulations, we asked for an advance payment of $200.00 and your authorization that you would pay the full amount ($333.50) to process your request. As an alternative, you have the option to narrow your request. You have until April 9, 2015 to make the advance payment and authorize the full fee amount for processing your request or narrow your request. If not advance payment and authorization or narrowing of your request is not received by April 9th, your request will be considered withdrawn and administratively closed.

Feel free to contact myself or Maria Gonzalez (202-435-9654) to discuss the specifics of your request. If you are dissatisfied with our processing of this FOIA request, I encourage you to contact the Office of Government Information (OGIS)<https://ogis.archives.gov/?p=/ogis/index.html> for assistance. You may contact them at 877-684-6448 or ogis@nara.gov<mailto:ogis@nara.gov>.

Martin Michalosky
FOIA Manager | Operations Division
Office: (202) 435-7198 | Fax: (855) FAX-FOIA (329-3642)
Consumer Financial Protection Bureau
consumerfinance.gov/foia

From: Taylor Amarel

To whom this may concern,

I will be bringing this to the attention of OGIS and the appellate review department.

However, preliminarily, disregarding the initial clarification, there are a total of 21 days between: February 16, and March 9th.

http://www.convertunits.com/dates/from/Feb+16,+2015/to/Mar+9,+2015

I kindly request you reconsider your position to avoid the additional technicalities and extra work required for both parties to go through appeals and OGIS review.

Thank you.

From: Taylor Amarel

RE: RE FOIA Request # CFPB-2015-096-F

To whom this may concern,

I will be bringing this to the attention of OGIS and the appellate review department.

However, preliminarily, disregarding the initial clarification, there are a total of 21 days between: February 16, and March 9th.

http://www.convertunits.com/dates/from/Feb+16,+2015/to/Mar+9,+2015

I kindly request you reconsider your position to avoid the additional technicalities and extra work required for both parties to go through appeals and OGIS review.

Thank you.

From: Michalosky, Martin (CFPB)

Good morning Mr. Amarel,

Thank you again for contacting the FOIA Office regarding your FOIA request (CFPB-2015-096-F). Federal offices in DC were closed on 2/17/15 and 3/6/15, therefore the CFPB was closed. These 2 days must be removed from your calculation below, which makes your request 19 days old.

From: Taylor Amarel

To whom this may concern,

Thank you for your response. Preliminarily, I will be appealing this determination. However, I wished to place additional emphasis on my previous request, particularly referencing Bensman v. National Park Service.

The court affirmed and ruled that "The Open Government Act of 2007 ensures that 'the 20-day statutory clock runs immediately upon an agency's receipt of a request' or appeal and there are only few, limited ways of tolling that 20-day limit, the court held. The time limit may only be tolled in times when the agency requests additional information, but, unlike the National Parks Service's claims that the tolling period extends until the issue is resolved, the court held that Congress was clear in proclaiming the tolling period ends when the agency receives the response to its questions. - See more at: http://www.rcfp.org/browse-media-law-resources/news/federal-court-enforces-penalties-foi-response-delays#sthash.fS7XXkLN.dpuf"

Therefore, the receipt of the request should be calculated as 02/02/2015, to which the 'clock' ran until 02/09/2015, where it was paused pending clarification. The 'clock' then restarted on 02/16/2015 and ran until March 9th.

By using the precedent set forth within BENSMAN v. NATIONAL PARK SERVICE, No. 1:2010cv01910 - Document 17 (D.D.C. 2011) it assures that regardless of the federal holidays the 20 day clock expired. Notwithstanding the above, The Open Government Act of 2007 makes no exception for federal holidays or weekends, and case law supports that the clock does not pause or 'toll' of these days.

I respectfully request that this re-evaluated in light of BENSMAN v. NATIONAL PARK SERVICE, No. 1:2010cv01910 - Document 17 (D.D.C. 2011) decision.

Kind Regards,
Taylor Scott Amarel

From: Michalosky, Martin (CFPB)

Good afternoon Mr. Amarel,

The CFPB has followed the FOIA statute and our regulations with regard to the processing of your request. You have been appropriately provided two options, which were clearly outlined in our fee estimate letter (dated 3/9/15). Please keep in mind that we have already processed part of your request and provided an interim response without any cost to you. If you do not wish to pay for the processing of your request, please consider narrowing your request. For example, items 2 and 4 of your clarified request (dated 2/16/15) have the most processing costs associated with them.

If you wish to discuss further, please contact me by phone to have a more productive discussion regarding your request.

Martin Michalosky
FOIA Manager | Operations Division
Office: (202) 435-7198 | Fax: (855) FAX-FOIA (329-3642)
Consumer Financial Protection Bureau
consumerfinance.gov/foia

From: Taylor Amarel

Dear Mr. Michalosky,

I will be taking thus up with OGIS for clarification. The documents I am requesting are vital to appropriate functioning of US Government agencies.

Sincerely Yours,
Taylor Scott Amarel

From: Taylor Amarel

RE: RE FOIA Request # CFPB-2015-096-F,

Please let me know when I receive the appropriate documents.

Sincerely Yours,

From: Michalosky, Martin (CFPB)

Hello,

I am out of the office in training and will return on 6/15/15. I will have limited access to email during this timeframe. If you need immediate assistance, please contact Mark Vugrinovich (mark.vugrinovich@cfpb.gov or 202-435-9499) or the CFPB FOIA Service Center (foia@cfpb.gov).

Thank you,
Marty Michalosky

From: Michalosky, Martin (CFPB)

Good afternoon Mr. Amarel,

The request you reference in this email (CFPB-2015-096-F) was administratively closed on 4/16/15 because you did not narrow the scope of your request, provide an advance payment, and/or agree to pay the fee estimate outlined in our interim response (dated 2/9/15). In light of this reason, there are no “appropriate documents” to provide you beyond what we provided in our interim response dated 2/9/15.

Thank you for contacting the FOIA Office.

Martin Michalosky
FOIA Manager | Operations Division
Office: (202) 435-7198 | Fax: (855) FAX-FOIA (329-3642)
Consumer Financial Protection Bureau
consumerfinance.gov/foia

From: Taylor Amarel

To whom this regards,

As a result of identity theft and becoming a whistleblower I do not have access to a checking account and thus can not make such payments.

I respectfully appeal that these documents be provided pro bono because it is of great legal importance.

I will be following up with an email.

Sincerely Yours,
Taylor Scott Amarel

From: Taylor Amarel

To whom this may concern,

I have reviewed the CFPB’s response to my request and am decided unhappy and surprised by the CFPB’s irreverent determination that “items 2-5 are too broad in scope or did not specifically identify the records in which you are seeking”, when indeed that my request were more than sufficient for any knowledged CFPB person to locate, search, and find the appropriate records. Specifically, in more detail, I am requesting that the CFPB review requests 2 to 5 in light of the additional information which I am reluctantly provided to comply with the alleged statement that “items 2-5 are too broad in scope or did not specifically identify the records in which you are seeking.”

2.) The name(s) and title(s) of the person(s) responsible for implementing the Supervisory Coordination as detailed within the above referenced Memorandum Of Understanding.

In more detail, the CFPB has an organization, authority, and responsibility chart located at http://www.consumerfinance.gov/the-bureau/ that shows the CFPB’s structure. In this structure, it show Richard Cordray as the Director of the CFPB. Indeed, Richard Cordray’s signature is on the MOU located at http://files.consumerfinance.gov/f/201206_CFPB_MOU_Supervisory_Coordination.pdf, which has the purpose of delegating authority and it at the core of this request.

Assuming Richard Cordray held responsibility in signing the MOU as evident by his signature, dated 5/3/2012, I would like to re-iterate my request for information relating to the “The name(s) and title(s) of the person(s) responsible for implementing the Supervisory Coordination as detailed within the above referenced Memorandum Of Understanding.”

If Richard Cordray is ultimately responsible for this implementation, how he delegated the implementation to any person? Which ‘branch’ or ‘department’ located within the CFPB’s organization chart ( http://www.consumerfinance.gov/the-bureau/ ) is responsible for this implementation?

In order to answer these questions, I kindly request that the CFPB conduct the following actions and produce any responsive documents that result from the following:
Conduct a search of the CFPB’s emails systems within the CFPB from 01/01/2012 to 01/01/2013 searching for the following key words, specifically from email threads involving Richard Cordray:
“MOU”
“Thomas J. Curry”
“Memorandum of Understanding on Supervisory Coordination”
A general search of all of the CFPB’s manuals for employees or staff that include the following text:
“Memorandum of Understanding on Supervisory Coordination”

3.) Emails regarding the appropriate implementation of Supervisory Coordination as detailed within the above referenced document. Priority should be given to emails from the person responsible for implementing the Supervisory Coordination as detailed within the above referenced Memorandum Of Understanding. This should include correspondence between managers and employees.

Incorporating the above, I wish to request that the CFPB conduct a search and provide all of the following documents:
All emails between Richard Cordray of the CFPB and Thomas J. Curry of the OCC relating to the Memorandum of Understanding on Supervisory Coordination
All emails between Richard Cordray of the CFPB and Debbie Matz of National Credit Union Administration relating to the Memorandum of Understanding on Supervisory Coordination
All emails between Richard Cordray of the CFPB and Matrin J. Gruenberg of Federal Despoit Insurance Corporation relating to the Memorandum of Understanding on Supervisory Coordination
All emails between Richard Cordray of the CFPB and Elizabeth A. Duke Of Board Of Government Of The Federal Reserve System relating to the Memorandum of Understanding on Supervisory Coordination

4.) All and any documents or correspondence detailing how financial institutions with greater than 10 Billion in assets will be on-boarded to the Consumer Financial Protection Bureau's regulatory system.

In reference to the above, as well as in reference to the Memorandum of Understanding on Supervisory Coordination: considering that the CFPB is a signatory to the Memorandum of Understanding on Supervisory Coordination it would only make sense that the CFPB had an internal place, internal policies, internal instruction, or internal emails on how to implement the statements within the Memorandum of Understanding on Supervisory Coordination. I am requesting any internal documents that reference the Memorandum of Understanding on Supervisory Coordination, specifically in the realm of documents for employees, training for employees and legal authority.

Furthermore, I am requesting copies of the documentation, information, and system for onboarding new financial institutions that may be below 10 Billion in assets or above 10 Billion in assets.

Additionally, I am requesting records, if available of the CFPB’s regulatory authority. Indeed, the CFPB as a regulator must have a list of banks or manual to determine if the CFPB has regulatory authority over certain banks or financial companies. It is known that the CFPB has internal interpretations of the statutory guidelines given in the Dodd-Frank act, I am requesting these internal documents that serve as reference for employees, lawyers, or other staff in determining regulatory jurisdiction.

Finally, I am requesting a list of any third party contractors, firms, or other non-employee staff such as lawyers who have make determinations on the CFPB’s authority.

5.) Public / non-confidential email correspondence from the Consumer Financial Protection Bureau's Office of The Ombudsman, in specific regards to the Consumer Financial Protection Bureau's failure to onboard specific banks with assets greater than 10 Billion.

In reference to the above, I am requesting disclosure of emails between tsa256@gmail.com, taylor.amarel@gmail.com, and CFPB_Ombudsman@cfpb.gov. As a priority, I would like a copy of an email sent from taylor.amarel@gmail.com to CFPBOmbudsman@cfpb.gov sent on or around 10/28/14 or 10/27/14 and titled: CFPB Appeal and Clarification Request.

From: Gonzalez, Maria (CFPB)

Dear Mr. Amarel,

This is in response to your email of July 9, 2015, regarding your FOIA request (#CFPB-2015-096-F). In past correspondence between you and the FOIA Office, we have repeatedly outlined the options available to you regarding the fulfillment of your request. You were offered two suggestions regarding your request, you could have paid the fee assessment in accordance with the FOIA statute and CFPB regulations or you may have provided further clarification to narrow portions of you request. You obviously did not authorize any fees and did not provide sufficient clarification in order for the CFPB to conduct a reasonable search for records responsive to your request.

To assist you in the future, be aware that fee waivers are limited to situations in which a requester can show that disclosure of the requested information is in the public interest because it is likely to contribute significantly to public understanding of the operations and activities of the government and is not primarily in the commercial interest of the requester. In your original request and subsequent correspondence, you have not demonstrated how this information would be in line with the above mentioned criteria. Additionally, a fee waiver request is evaluated based on the disclosure of such information must contribute to the understanding of the general public and not just a subsect of the population or the individual understanding (Carney v. United States Department of Justice). To elaborate further, agencies should also take into account the qualifications of the requester, their ability, and their intention to disseminate the information to the public so that the agency may determine whether or not the public would benefit from disclosure to that requester (McClain v. United States Department of Justice). Secondly, you claim to be the victim of identity theft and therefore do not have access to your accounts. In, DeCato v. Executive Office for the United States Attorneys it was settled that "indigence alone, without a showing of a public benefit, is insufficient to warrant a fee waiver."

I would suggest that you consider filing a new FOIA request that provides specific details on the records you seek from the CFPB. If further details are not provided in addition to those you outlined in your previous request (#CFPB-2015-096), you may receive the same type of response.

Sincerely,

Maria Elena Gonzalez
Government Information Specialist
Tel: 202.435.9654

consumerfinance.gov<http://www.consumerfinance.gov/>

From: Taylor Amarel

To Whom It May Concern:

This is a request under the Freedom of Information Act. I hereby request the following records:

Copies of know to exist documents, relating to the implementation of Supervisory Coordination as described in the following document:

http://files.consumerfinance.gov/f/201206_CFPB_MOU_Supervisory_Coordination.pdf

In more detail I am requesting the following information:
1.) The document referred to as the “CFPB Matrix” which includes a list of financial institutions as well as information regarding the appropriate handling of complaints.
2.) The name(s) and title(s) of the person(s) responsible for implementing the Supervisory Coordination as detailed within the above referenced Memorandum Of Understanding.
3.) Emails regarding the appropriate implementation of Supervisory Coordination as detailed within the above referenced document. Priority should be given to emails from the person responsible for implementing the Supervisory Coordination as detailed within the above referenced Memorandum Of Understanding. This should include correspondence between managers and employees.
4.) All and any documents or correspondence detailing how financial institutions with greater than 10 Billion in assets will be on-boarded to the Consumer Financial Protection Bureau's regulatory system.
5.) Public / non-confidential email correspondence from the Consumer Financial Protection Bureau's Office of The Ombudsman, in specific regards to the Consumer Financial Protection Bureau's failure to onboard specific banks with assets greater than 10 Billion.

I also request that, if appropriate, fees be waived as I believe this request is in the public interest. The requested documents will be made available to the general public free of charge as part of the public information service at MuckRock.com, processed by a representative of the news media/press and is made in the process of news gathering and not for commercial usage.

In the event that fees cannot be waived, I would be grateful if you would inform me of the total charges in advance of fulfilling my request. I would prefer the request filled electronically, by e-mail attachment if available or CD-ROM if not.

Thank you in advance for your anticipated cooperation in this matter. I look forward to receiving your response to this request within 20 business days, as the statute requires.

Sincerely,

Taylor Amarel

From: Gonzalez, Maria (CFPB)

In response to your below email regarding your previous FOIA request (CFPB-2015-096-F), you were notified that your request was administratively closed on 4/16/15. In our interim response to your request and numerous email communications, you were given the option to authorize the fee assessment provided to you or provide further clarification to narrow portions of you request. You did not authorize any fees and did not provide sufficient clarification in order for the CFPB to conduct a reasonable search for records responsive to your request. As such, the CFPB FOIA Office will no longer acknowledge or respond to future communications regarding your previous request (CFPB-2015-096-F).

If you have any further questions regarding your previous FOIA request, please contact the CFPB's FOIA Service Center at (855) 444-3642.

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