RE: FOIA Request #CF FPB-2012-0 010 y 17, 2012 February Lisette Garcia, G J.D.

Senior In nvestigator Judicial Watch W 425 Third d Street SW, Suite 800 Washing gton, DC 200 024 Dear Ms. Garcia: This lette er is in final response to your Freedo om of Inform mation Act (F FOIA) reque est dated Oct tober 19, 2011. Your requ uest sought all communic cations and r records of co ommunicatio ons to and fr rom ougherty, Sh hahien Nasir ripour, Brady y Dennis, M Maya Jackson n Randall, an nd Mark Carter Do Calabria. . As stated d in our inter rim response e, a search of f the Office o of Media Re elations and Office of Records, Privacy & FOIA F was co onducted usi ing the param meters descr ribed in the r request. On er 17, 2011, you were co ontacted by Mr. M William m Holzerland d to update y you on the sta atus Novembe of your request and in nform you of o the voluminous page c count associa ated with yo our request. During th hat discussio on, it was set ttled upon to o exclude Ma aya Jackson Randall and d Mark Cala abria from the request as well w as extrac ct all CFPB-issued press s releases tha at did not co ontain subseq quent comment ts from CFPB personnel l after the ini itial release. As for pres ss releases th hat contained d subseque ent comment ts, the press release and the t commen nts were inclu uded but dup plicate copie es of the identi ical press rel leases were extracted. d to this letter, please find d our final re esponse to y your request, , which cons sists of 265 p pages Attached granted in part. Thes se responsive pages are the t result of f redefining t the search pa arameters detailed on o Novembe er 17, 2011 as a well as the measures d detailed in th he above par ragraph. Portions of these reco ords are reda acted pursua ant to 5 U.S.C C. 552(b)( (5) and (b)(6 6). FOIA Ex xemption 5 protects from m disclosure e those inter- or intra-age ency docum ments that are e normally y privileged in i the civil discovery d con ntext. The t three most fr requently inv voked privile eges are the de eliberative process p privilege, the atto orney work-p product priv vilege, and th he attorney-c client privilege. After care efully review wing the resp ponsive docu uments, it was determine ed that portio ons of the res sponsive doc cuments qua alify for prote ection under r the Deliber rative Proce ess and Attorney y-Client Pri ivileges. The e deliberative e process pri ivilege prote ects the integ grity of the deliberative or decisi ion-making processes p wi ithin the age ency by exem mpting from mandatory disclosur re opinions, conclusions, c , and recomm mendations i included wit thin inter-ag gency or intra a-

agency memoranda m or o letters. Th he release of f this interna al informatio on would dis scourage the expressio on of candid opinions an nd inhibit the e free and fra ank exchang ge of informa ation among g agency personnel. p Th he attorney-c client privile ege protects c confidential l communica ations between an attorney and their client relating to a legal ma atter for whi ich the client t has sought t professiona al ged by a client to his atto orney, and en ncompasses any opinion ns advice. It applies to facts divulg given by an attorney to his client t based upon n, and thus re eflecting, tho ose facts, as well as communications betw ween attorne eys that refle ect client-sup pplied inform mation. The e attorney-cli ient privilege is not limite ed to the con ntext of litiga ation. FOIA Ex xemption 6 exempts fro om disclosure personnel or medical f files and sim milar files the e release of which wou uld cause a clearly c unwa arranted inva asion of personal privacy y. This requires a balancing g of the publ lics right to disclosure against a the in ndividuals r right to priva acy. The typ pes of inform mation that we w have with hheld consist t of telephon ne numbers, p personal em mail addresses, and/or in nformation belonging to a third party y that are con nsidered pers sonal. The p privacy inter rests of the ind dividuals in the t records you y have req quested outw weigh any m minimal publi ic interest in n disclosur re of the info ormation. An ny private in nterest you m may have in that informa ation does no ot factor int to the aforem mentioned ba alancing test t. You may y appeal any of the respo onses or deci isions in the interim resp ponse or set forth above. If you choo ose to file an n appeal, you u must do so within 45 ca alendar days s from the da ate of this le etter. Your app peal must be in writing, signed s by yo ou or your re epresentative e, and should d contain the e rationale for the appe eal. You ma ay send your r appeal via t the mail (add dress below) ), email (CFPB_F FOIA@cfpb.gov) or fax (1-855-FAX X-FOIA (329 9-3642)). Your app peal should be b addressed d to: f FOIA Offic cer Chief Freedom of Information n Appeal Con nsumer Fina ancial Protect tion Bureau 1500 Pennsy ylvania Avenue, N.W. (A Attn: 1801 L Street) Washing gton, D.C. 2 0220 For inqui iries concern ning your req quest, please e contact Ms s. Dominique e Banks by p phone at 202 2435-7359 9 and referen nce the FOIA A request nu umber above e. If you are unable to re each Ms. Ma agere, please feel free to con ntact CFPB s FOIA Serv vice Center by email at CFPB_FOIA A@cfpb.gov v or by teleph hone at 1-855 5-444-FOIA A (3642). Sincerely y,

Martin Michalosky M FOIA Ma anager Office of f Records, Pr rivacy & FO OIA